23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Filed dispute with Citi over purchase of XXXX XXXX  on XXXX XXXX XXXX XXXXXXXX XXXX XXXX Citi says that they have contacted the merchant. 

XXXX XXXX XXXX  Citi says the merchant has responded and they are reviewing details. 

XXXX XXXX XXXX  Citi says they have completed their investigation and marked the case " customer responsible. '' Dispute letter was never given so details of their investigation are unknown to me. 

XXXX XXXX XXXX  Decided to reach out to original merchant by email again to see if I could get any details. 
Merchant for disputed charge said filing a dispute was the correct method for getting the order cancelled. Merchant said citi never contacted them during or after the supposed " investigation '' period. 

Merchant says citi never contacted them. I was never given any evidence from citi that they communicated with merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account number : # XXXX, has violated my rights Account Number : # XXXX Account Name : XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to you and asked you to investigate and remove some unauthorized inaccurate Hard inquires from my credit report on the dates of XX/XX/21, XX/XX/21, XX/XX/21 you stated it was factual records and would remain on my credit report. The file File number was ( XXXX ). I also reached out to the creditor ( XXXX  ) and they replied and said they are not reporting any inquires i have attached their response below. Please remove this inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are inaccurate, and they are adversely affecting my livelihood. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a signed and executed Forbearance Agreement with Dovenmuehle Mortgage stating we have to pay {$0.00} XXXX, XXXX and XXXX XXXX  payment due to COVID-19. I then paid on time my XXXX and XXXX XXXX  payments. BUT the Mortgage company, IN ERROR, reported me 90 DAYS LATE to all three Credit Reporting Agencies. Upon contacting my mortgage company, which took 6 different people and almost 7 hours of phone calls ... I finally reached XXXX XXXX, a Manger and he admitted that they in error didn't not report the the credit bureaus the proper information for many of their customers in Forbearance. He gave us a verbal and it was on their recorded line and he advise me that another department would mail us a letter in 5-7 business day stating such. Problem it that due to their error, my score dropped from the mid to high 700s to the low to mid 600s!!! This caused me NOT to obtain a Mortgage Pre-Qualification letter and I lost the home that I put an offer on! I need help ASAP as I CAN NOT wait 30 days for my score to rebound and the Mortgage company is not willing to do anything to help! ( supporting docs attached. )
Product: Credit card

I currently have a discrepancy of {$220.00} on my account. When you add up my current balance transfer and purchase balances, customer service states that I owe them more than I actually do. Every month I need to call in to customer service and speak to a manager to get my balance corrected. I am beginning to believe that the employees working for Barclay flunked out of grade school and are too stupid to know how to add and subtract. I have talked to several supervisions who have seem the error but refuse to fix the error and demand that I pay it.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my social security number in XX/XX/XXXX and got up to inquiries and accounts opened from XXXX. Informed the CB  that file was mixed and they stated that I needed 30 days to resolve. This has affected my opportunity for employment and when asked for them to produce proof that information was mines they could not.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving a critical issue regarding inaccuracies on my credit report, which have severely impacted my ability to purchase a home. I discovered that my student loan accounts are being reported with a " collection '' or " charged off '' status, despite my consistent good standing and compliance with all repayment obligations. This erroneous reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, as it fails to ensure the accuracy and integrity of the information being reported. 

The emotional distress caused by this situation is profound, as the inaccurate reporting has obstructed my ability to achieve homeownership, a significant milestone in my life. I respectfully request that the CFPB investigate this matter promptly and work with the relevant credit reporting agencies and loan servicers to correct these inaccuracies and remove the erroneous information from my credit report. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting a formal complaint against XXXX XXXX XXXX XXXX for their illegal attempts to collect a debt that is not mine and their ongoing violations of consumer protection laws. This debt, reported as {$700.00} owed to XXXX XXXX XXXX has been placed on my credit report, but I have never conducted any business with either XXXX XXXX XXXX XXXXXXXX XXXX, nor have I signed any contract or agreement that would make me liable for this amount. 

I first disputed this debt, citing the fact that I did not owe it and requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I specifically requested proof of the debt, including a signed contract or agreement, and an itemized statement showing how the amount was determined. After this request, the collection was deleted from my credit report as it was not validated. 

However, despite the deletion of this invalid debt, XXXX XXXX has reinserted this account onto my credit report without providing any verification of the debt. This is a clear violation of 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which requires that any reinserted information must be fully verified and legally justified before being reported.

In addition, I am invoking my rights under 15 U.S.C. 1692c ( c ) of the FDCPA, which prohibits any further communication from a debt collector once I have requested that they cease contact. XXXX XXXX has disregarded this by continuing to report the debt to credit bureaus and making indirect contact through collection activity, violating my right to cease communication. 

I am requesting that the CFPB investigate this matter and enforce compliance with federal consumer protection laws. Specifically, I seek the following : 1. Immediate removal of the fraudulent debt from my credit report by XXXX XXXX. 
2. An investigation into their failure to cease communication, as required by the FDCPA. 
3. Action taken against XXXX XXXX for violating consumer laws by re-reporting an unverified debt and continuing to contact me after my explicit request to cease all communications. 

This ongoing issue has caused significant distress and damage to my credit, and I seek your assistance in holding XXXX XXXX accountable for their illegal actions. 

Thank you for your attention to this matter. I trust the CFPB will take appropriate action to address these violations and ensure that my rights as a consumer are protected.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I open up this PayPal account as a friend who was owning me money ask me to, after he paid me, he them go an report the transaction but the case was role in my favor, so before that, my cousin was to do some paper work for me, as am moving from XXXX to XXXX, so I let him link his bank account to the PayPal account that my friend paid me on, when I tried to transfer the funds, PayPal wont let me, we have been going on and on with this, they ask me for documents and I provided and first the said 48 hours and another 48 hours and now, I receive an email saying my account has been permanently limited. Let them just let me get my money out. That all
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Product: Student loan

I have been on income driven repayment since the late XXXX. I was out of work in XXXX when I had a XXXX and just went back to work in XX/XX/XXXX. Right before XXXX of XXXX, a representative of Navient called about recertifying my IDR plan. At that time she offered to put my loan into deferment as I was trying not to lose my home from the time I was off work. 
I questioned when my loan will be forgiven as I had been paying for 20 years at that time. She told me that it would be forgiven in XXXX ( I can't recall the month ). I straight up asked if the deferment would in any way change that forgiveness and she told me absolutely not! 
Now the deferment has ended and I spoke with a Navient representative to begin repaying and they tell me that I have 20 years to go as I have only been on IDR for 14 months with them. 
My loan was serviced with Salllie Mae prior to Navient. I have never been on anything BUT an income driven plan since I began repayment in XXXX. 
I'm so done with this. There seems to be no recourse and the agents are so ignorant and rude.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Child Support Information on Credit Report Dear Sir/Madam , I am writing to dispute the inaccurate information regarding my child support account reported on my credit report. Below are the details of the disputed account : **Account Information : ** | | TransUnion | XXXX | XXXX XXXX | -- -| -- -- -- -- -- -- | -- -- -- -- -- | -- -- -- -- -| | **Account # : ** | XXXX | XXXX | | | **Account Type : ** | Installment | Installment | | | **Account Type - Detail : ** | Child support | Family support | | | XXXX XXXX : ** | Individual | Individual | | | **Account Status : ** | Open | Open | | | **Monthly Payment : ** | {$0.00} | {$280.00} | | | **Date Opened : ** | XX/XX/XXXX | XX/XX/XXXX | | | **Balance : ** | {$280.00} | {$280.00} | | | **No. of Months ( terms ) : ** | 0 | 1 | | | **High Credit : ** | {$0.00} | {$0.00} | | | **Credit Limit : ** | {$0.00} | {$0.00} | | | **Past Due : ** | {$0.00} | {$0.00} | | | **Payment Status : ** | Current | Current | | | **Last Reported : ** | XX/XX/XXXX | XX/XX/XXXX | | | **Comments : ** | Current account/was a collection account, insurance claim or government claim or terminated for default. | | | | **Date Last Active : ** | XX/XX/XXXX | XX/XX/XXXX | | | **Date of Last Payment : ** | XX/XX/XXXX | XX/XX/XXXX | | **Reason for Dispute : ** I believe the information reported on my credit report is incorrect due to the following reasons : 1. The reported monthly payment and balance amount do not match my records.

2. The payment history and account status details are inaccurate.

3. The account was not a collection account, insurance claim, or government claim and was not terminated for default. 

**Legal Basis : ** Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The FCRA mandates that credit reporting agencies must correct or remove inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. As stated in Section 611 of the FCRA : - **Section 611 ( a ) ( 1 ) ( A ) ** : If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file. 
- **Section 611 ( a ) ( 5 ) ( A ) ** : Information found to be inaccurate, incomplete, or unverifiable must be corrected or deleted promptly from the file of the consumer and can not be reinserted into the file unless verified as accurate. 

I have attached supporting documents, including copies of my payment receipts and statements from the child support agency, to substantiate my claim. 

**Requested Action : ** Please investigate the discrepancy and correct the inaccurate information on my credit report. I request a written confirmation that the errors have been rectified and an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting

Transunion has fail to send me my report with results that I have been disputing containing wrong information since XX/XX/2017.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the XXXX data breach. I have to take ( and pay for ) steps in order to protect my credit which was compromised through no fault of my own. Credit freeze and thaw should be free under federal law.
Product: Credit reporting

Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that Credit Bureau 's disclose to me all of the documents that they have recorded and retained in their file at the time of a request concerning the accounts that they are reporting in my credit report. I requested copies of the documents that they have in their files that were used to verify them. 

If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they should delete them immediately as required under XXXX XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted disputes regarding this issue and got no action. I have contacted this bureau multiple times requesting an investigation. I am verifying that this is me who is disputing these fraudulent items. I need this removed and blocked permanently
Product: Credit card

I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Product: Student loan

Per Mohela, I recertified my income for XXXX in XX/XX/XXXX. A month later ( XX/XX/XXXX ) the Dept. Of Ed announced that they were extending to deadline to XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and if a recertification submitted early and payments were increased, the servicer would revert payments to the previous monthly amount until the new deadline ( We will return you to your previous monthly payment amount until your new recertification deadline ). 

After recertification, I was informed on XX/XX/XXXX that my student loan payments would be {$160.00} ; the previous months amount ( billed on XXXX XXXX ) was {$0.00}. 

Once the announcement was released, I contacted Mohela by phone to inquire when my payments would revert to the previous monthly amount. I was informed that they were working on it and to call back in a month. I called again, and was informed to keep calling monthly to ensure the payments would return to {$0.00} - each representative put my repayment on an administrative forbearance until the issue was resolved. I had to call monthly for this forbearance as the issue wasnt being corrected. I was also informed that if payments were not corrected, I didnt have to pay and that they were still working on correcting the issue. Unfortunately most of my correspondence with Mohela had been over the phone. I have requested a written record of each conversation, but was denied. However, I have been told that my conversations have been recorded and are in my record. 

On XX/XX/XXXX, I received correspondance from Mohela that my payments would be {$160.00}. This information confirmed the issue that Mohela hasnt done anything to correct my payment amount and align with the Dept. Of Ed. 

I have filed XXXX ( XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) different complaints with Mohela. My cases have been closed, though all of the responses from Mohela do not address the issue or acknowledge that they are working on fixing the problem. 

On XX/XX/XXXX, I received correspondance from Mohela that, MOHELA at the direction of the Department of Education, has changed the date by which you need to recertify your current XXXX plan to XX/XX/XXXX. This means that the payment amount should be the amount I was billed in XX/XX/XXXX until XX/XX/XXXX.
Product: Mortgage

I am submitting a second complaint on an existing issue - to have my escrow account balance refunded to me. In its response to my first complaint, the company said it would refund this balance within ten business days. It has now been over ten business days, and my escrow account balance has still not been refunded to me. I would also note that I attempted to resolve this with the company 's designated compliance contact, and am submitting a second complaint because they are not being responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on XXXX consumer credit reports. These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of medical collection debt with an initial reported balance of less than {$500.00} from credit reports. 

I have a medical collection debt with an initial reported balance of less than {$500.00} being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and RADIUS GLOBAL SOLUTIONS account number XXXX. I need to have this debt deleted from my credit reports.
Product: Mortgage

I XXXX XXXX with Mortgage Company Select Portfolio Servicing. My loan number is XXXX. I am writing in this complaint concerning the too high modification plan. I am asking van you lower the mortgage plan or revise or maybe consider m income on the front end so that I could pay the requested amount of a lower mortgage. I am trying to work with the mortgage company to please help me so that I can stay in he home. I received paper work today and I noticed in he paperwork that on XX/XX/2023 my mortgage is supposed to be 4 % interest rate and my mortgage will b XXXX for 12 months. Can we please go with that plan and put all payments that are late on the back end of the loan. I feel that I am truly being discriminated against. I am asking and willing to pay a less amount that which was the original payment agreement. Select Portfolio has done it before and did not double the mortgage payment at that time. Can my mortgage payment be what was previous agreed upon of XXXX beginning XX/XX/2023 please. I need help in this matter. I also did small home repairs. I already know I will not get what I am asking for because of my race and XXXX. I know foreclosure papers will be sent out. I m jut asking for mercy in this matter to move forward with a affordable mortgage and be happy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor affirm is being reported on experian as a {$3000.00} repossession opened in XXXX. It used to be reported correctly and all of a sudden it changed. I have a letter from the creditor stating this, as well as email 's from them. The correct information is that it was originally opened on XXXX/XXXX/XXXX in the amount of {$550.00}, payments of XXXX were to begin on XXXX/XXXX/XXXX. I have been making timely payments. It is not a repossession, Never late and i also have an account verification letter that affirm sent to me confirming all of this. I have sent this letter to experian, uploaded it multiple times to experian and disputed with this letter 5 times. Each time experian says the information will remain unchanged. It is an obvious error in experian 's system because the information they are reporting on the affirm account is the same information being reported on a different repossession account listed from another company on my credit report. Somehow the information is mixed up in experian system