23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing issue of an unresolved late open account on my credit report with XXXX. Despite multiple attempts to dispute and correct this account, it remains inaccurately reported on my credit file, causing significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first discovered the presence of a late open account on my XXXX credit report. Immediately, I initiated a dispute with XXXX, providing all the necessary documentation and evidence to demonstrate that this account was inaccurately reported as late. 

Subsequently, I made multiple attempts to dispute and correct this late open account. I followed all required dispute procedures, provided additional supporting documentation, and communicated with the creditor associated with this account to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the late open account persists on my XXXX credit report. It has not been removed, updated, or adequately investigated by XXXX or the creditor involved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history through XXXX. 

I kindly request that XXXX take immediate action to thoroughly investigate and correct this late open account on my credit report. I urge you to rectify this matter promptly, as it is imperative for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to correct the late open account in my credit file : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$10000.00}.
Product: Payday loan, title loan, or personal loan

This company has been collecting $XXXX from my Military pay under the name XXXX XXXX since XXXX XXXX until present and reported to all 3 credit company my account closed. I opened the account in XXXX XXXX and my payments then was $XXXX. Due to my illness and XXXX XXXX the payment was lowered to the $XXXX. This company refused to accept my XXXX letter, continue to take money from my retirement and ruined my credit,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX  today XX/XX/20 and they ran my credit to see if I could finance some phones but I was told that I was denied because there were several accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I got a copy of my credit report and I saw about ten accounts with negative payment history that don't even belong to me. I did not open any of these accounts nor did I allow anyone to open them in my name. I am not affiliated to any of the companies I listed on this report nor did I gain anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I'm not sure who is responsible for these accounts but I have already filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint to notify you to ensure the deletion of the negative items which are erroneous in my file. I disputed these items last XXXX so I am here to redispute these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, I request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made without my consent or authorization. 
Accounts to be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have attempted multiple times through chat, message, email and phone calls to lower my payments to an affordable rate. My payment was at an affordable rate and I was making payments on time, however that Income based plan ran out. I was required to apply for another plan. I can no longer afford those payments. I am at a loss of what to do know and I'm close to being in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 at XXXX XXXX  1 Messenger XXXX  WRITE UP all a XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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

I sent Transunion XXXX total, different disputes by XXXX by certified mail and XXXX by USPS, however, they answered only XXXX within the 30 day window and have not answered or even given responses to the other XXXX.
Product: Debt collection

I do no even know or heard of such company and not even sure they're licensed to operate in new york. I am a Victim of Identity Theft ; amongst other Millions of Citizens of The United States of America!

In accordance with the Fair Credit Reporting act. The List of accounts and companies below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACHIEVE PERSONAL LOANS has violated my rights and keep violating them. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

" I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''
Product: Credit reporting or other personal consumer reports

Experian is now making up disputes as the just notified me a dispute was opened today on an account I paid and closed In XXXX of XXXX. This fraudulent crooked company needs to be held accountable for this gross miscarriage of justice
Product: Mortgage

I have refinanced my mortgage from XXXX  XXXX to Loan Depot in XX/XX/2020. Closing date was XX/XX/2020, Disbursement Date was XX/XX/2020 and my mortgage with LoanDepot went to FUNDED status on XX/XX/2020 but my old lender XXXX XXXX received the funds on XX/XX/2020. My previous mortgage got closed on XX/XX/2020. I ended up paying for 2 loans for >25 days. During this period, I followed up multiple times with loan officer XXXX XXXX, calls were never picked and voice message were never responded but to my emails, i got few email responses back during this 25 days period ( from XX/XX/2020 to XX/XX/2020 ). Response i  got from XXXX XXXX was " The title company is working on the disbursement with our funding department '' and few days later " it has funded on our end we are just waiting for the title company to make the disbursements '' and the other " My manager and director have escalate and confirmed that the disbursement from title will take please tomorrow and no later ''. I followed up with closing attorneys ( XXXX XXXX XXXX XXXX XXXX XXXX ) during this period. Response from Closing attorney was that they are yet to receive Funding papers from Title company ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) ) which are not customer facing and closing attorney suggested that i need to follow up with my loan officer. I was also responded in email by XXXX XXXX that " Mr. XXXX and we would cover all charges due to delays with funding ''. But as per final settlement statement and other documents, I am paying double payments, one to XXXX XXXX and other to Loan Depot for this period ( XX/XX/2020 to XX/XX/2020 ). I have reached out multiple times to Loan Depot Customer service and Loan Depot Servicing departments as well. Loan Depot Servicing department redirected me to Loan Depot Origination department where as Loan Depot Customer service has not resolved my issue and i am waiting on answers from them
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal or similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not want and have never signed up for paid services from Experian. I recently froze my credit via their website where I maintain a free account. I received an alert this morning that I have been charged {$24.00} for a service I never subscribed too, I have scoured my email for communication from experian but have found no evidence to suggest that I ever signed up for their service. This is predatory behavior. I logged in on XX/XX/23 to check my credit report and to apply a freeze, both advertised as free services. I will dispute the charge with my credit card but I am still angry. I am always cautious and am not easily scammed, so I am dumbfounded how theyve managed to get away with this. Additionally, I am unable to remove the payment information ( which is outdated ) from my profile. After clearing this up I will likely close my Experian account entirely.
Product: Credit reporting or other personal consumer reports

I don't recognize these queries XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't recognize these late payment, I paid it before was closed XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX   $  XXXX  I called the company and tried to get them to fix this issue and apparently nobody knows how to fix the issue or what the actual issue is.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX - XXXX - {$5700.00} XXXX XXXX XXXXXXXX - XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Checking or savings account

On XX/XX/XXXX, I filed a dispute for unauthorized foreign transactions. Here is the case number provided : Case # XXXX No action was completed even though I completed a form that was required
Product: Mortgage

My secondary loan is in default, we were struggling to pay due to loss of job and income, now we are back on our feet and the company that bought the loan has ballooned it to double the amount it was XXXX not it is XXXX they have filed a foreclosure complaint against us and we are working to resolve and they will not budge, I have paid a lawyer to help mediate but they are saying we owe the whole amount and are being very persistent. We have XXXX children and I do not want to lose my home, I am looking for a reasonable solution. the last company that bought this account was willing to settle for a much lower amount and now that the new company bought the loan they will not accept the lower amount because my house has equity. Is there help or a program during this time?
Product: Credit reporting

I have disputed a judgement that appears on my credit report from the XXXX XXXX. I have contacted the court, and they told me that they do not have a judgement in their docket, and could not give me any pertinent information about this. They even told me that if someone was to come into the office and search the Judgement dockets, they would be unable to find information on this alleged case. After this, I disputed this with Equifax, and in only one day, Equifax closed the case ( the investigation started on XXXX/XXXX/2015 and ended the same day ) and they refused to change the information.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX XXXX XXXX, and XXXX XXXX accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate Metro 2 compliance guidelines : XXXX XXXX XXXX  ( Account # XXXX ) : 1. Conflicting Late Payment Reporting : " Was 30 Days Late 13 Times '' conflicts with the " Payment Status '' of " Late 30 Days. '' 2. Ambiguous Comments : Remarks such as " Account Was In Dispute - Now Resolved '' contradict delinquency reporting. 
3. Past Due Amount Conflict : The " Past Due Amount '' ( {$120.00} ) conflicts with the " Payment Amount '' ( {$280.00} ). 
XXXX XXXX ( Account # XXXX ) : 1. Erroneous Late Payment Status : " Late 120 Days '' contradicts remarks indicating " 180 Days Past Due. '' 2. Balance and High Credit Mismatch : " High Balance '' ( {$240.00} ) does not align with " Balance Owed '' ( {$210.00} ). 
3. Missing Account Information : Critical fields such as " Account Type Details '' are missing, violating Metro 2 standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the accounts paid. These accounts should not be showing a late date since they have already been paid for. It seems impossible to accrue late on accounts that have already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

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

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

This loan was previously with Springleaf, acquired by OneMain Holding , Inc. This is a trailer that was originally purchased in XXXX. This loan was paid off in XXXX with OneMain. After paying the loan off we were told by OneMain that we had missed payments and therefore we would need to keep paying although we disputed this and when asked how much longer we would need to pay OneMain would not give us a date and told us they would let us know but in the meanwhile just keep paying. We are XXXX  XXXX Americans and the original account holder will be XXXX ( XXXX ) XXXX XXXX next year, the joint account holder is in his seventies, as well we are XXXX and on a XXXX income. We felt as if we were being taken advantage of due to our age and just not knowing how to handle the issue or who we could turn to for help. We never received any documentation from OneMain to sign or give us the details of the claimed missed payments. Over the course of almost XXXX XXXX, we have asked many times when we will be done paying this loan and we never get specific answers, nor have we ever received anything in writing. We are paying XXXX percent interest on this loan, which is very high. In XX/XX/XXXX we were told by OneMain that we had not made our XXXX, XXXX and XXXX ( XXXX ) payment although all payments had been made. We finally confided in our daughter who asked that we call OneMain and give her permission to speak with them to help us get the necessary answers needed. We contacted OneMain in XXXX with our daughter conferenced on the call. When asked about the missed payments for XXXX XXXX the representative ( XXXX XXXX stated that the payments had been made but that they were delinquent due to missed payments in XXXX XXXX and XX/XX/XXXX which was the first time this had been brought to our attention. When asked who the CFO or CEO XXXX was placed us on hold and refused to tell us only saying we can speak with the XXXX. Our daughter told the representative that their practice was predatory and that they had violated our rights. We have the receipt showing the payment made from XXXX XXXX. In XX/XX/XXXX OneMain offered to give us what they called a " Settlement '' option to resolve payments that we had made although they were claiming the payments were never made from XXXX and XXXX which they counted as the XXXX, XXXX, and XXXX payments of XXXX. We don't have any idea what type of loan this is that OneMain has us in because we have only received statements. We need help. We feel as though we are and have been the victims of unfair, predatory as well XXXX abuse treatment.
Product: Credit card or prepaid card

I made a {$1200.00} payment to my  Barclaycard Reward s mastercard. They held the payment ( i.e. not making the credit available ) for a couple days, which prompted me to call them to get it released. They approved of the release and said that the credit would be available the following day. Well ... it was n't. And when i called to ask why they had n't release it, they told me they closed the account. So they basically  XXXX  me .... they got a {$1200.00} payment out of me and then closed it. This is the card I use to travel with and I was planning to travel TOMORROW! They have totally  XXXX  me up as I would not have made that big of a payment on the card if I knew they were going to close it right after. This is horrible customer service as  one of their  managers told they would be making the credit available the following day. I even told them that I was travelling and they put a travel notice on my card! I am NOT recommending this card to anyone anymore. I used to love this card because they had great rewards but after pulling this stunt I have no more love for them whatsoever.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$59000.00} - tied up