23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Randomly I had a collections agency call me stating I had a balance with a gym that they were working on the behalf of. I asked for documentation from both the collection agency and the gym itself with nothing but figures pointed at the other party to retrieve that info. Neither party is helpful or trying to resolve this matter. 

*This membership came at a time where I was recovering from XXXX found in my XXXX and XXXX XXXX XXXX XXXX It had to be removed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I was def. not able to move let alone workout for months. So I know without a doubt this was bogus.
Product: Debt collection

I have filed for Chapter XXXX and was granted a discharge of all debts, including an Auto loan from Ally Financial. They are still reporting this loan as delinquent to a number of credit reporting agencies. Did send them a letter to stop reporting on this debt, but they will not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an XXXX  for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.
Product: Debt collection

The credit bureau is not complying with the law by failing to delete the late date of a disputed item involving XXXX XXXX, despite my repeated attempts to resolve the issue. This non-compliance with the FCRA necessitates the complete removal of the late dates from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect, inaccurate, and erroneous information on my Experian report. This erroneous information is severely damaging my credit, and preventing me from obtaining credit. My consumer rights are being violated. The accuracy, fairness, and privacy of information in my credit report is not being upheld.
Product: Money transfer, virtual currency, or money service

I don't have the exact dates on hand. I have trued several times to transfer funds into my paypal account and have been denied. I took time during working hours, which is frowned upon by my employer but was allowed one time to call abd figure out the issue. I was informed of multiple things that the issue could be, but was never furnished with factual information. They took information from to make the transfer happen, but I was not comfortable giving, but due to the need of the transfer complied. I was then faced with the same issues and am still facing said issues, with no desire to try and speak with an individual whom barely speaks my language ( I am in no way offended, it is just hard to communicate with language barriers ). I am need of transferring funds as I use the card associated with PayPal to cover certain expenses. It has cost me many comparable cash transactions to cover theur errors. They have also advertised a credit line... and have denied me ; they have offered me my own line of credit and then used third party companies to deny me.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

A few days ago I got a notification from my credit monitor that I had missed a payment on my mortgage, I was surprized since Regions Bank deducts the payment automatically every month from my account. I logged on and made the XXXX missing payments. 
I later got a call from regions saying my loan was in foreclosure, and I told them I was able to make the XXXX payments owed on their website through ACH transfer. 
Regions then told me they wouldn't take my money since I owed XXXX payments which did not show online or I would have paid the XXXX XXXX. 
I asked why they would not take my money, he said talk to their attorney.

I was able to screen shot my payment from their own website and emailed to them. The payment record has since disappeared off of their web site, as has my loan, and I am unable to log onto their mortgage site.

This was the first I had heard of my loan going into forclosure was on the telephone with no prior communication!
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX credit builder card inaccurately reports card balances to CRAs to be viewed as revolving credit without a credit limit. This practice has led to higher balances being reported than what is due and furthermore has resulted in multiple decreases in my credit scores across the bureaus due to the credit utilization algorithm. 

Info on reporting and payments with XXXX : 1. Card statement is from the XXXX to the following month on the XXXX. 
2. The XXXX credit card payment due date is the XXXX of each month. 
3. The XXXX payment date is the XXXX of every month. 
4. I add funds to my XXXX credit card and chime will put aside payments for the card and pay automatically on the XXXX of every month. 

Issues : 1. The payment date occurs on the XXXX of every month even though the statement cycle is XXXX to XXXX. This means the amount due is always based on the month prior balances. 
2. Since balances are based on the month prior, a balance carries over into the next billing cycle. Thus a constant balance is reported to CRAs. XXXX adds account notes saying the account was paid in full, but this is inaccurate based on the balances reported. 
3. Due to the misleading/inaccurate XXXX reporting, this has affected my credit utilization and resulted in my credit score dropping two to three times significantly. 
4. XXXX acknowledged twice that the reporting date does not align with the statement date nor the payment date, yet they continue to falsely report that I have a balance when I do not. 

Specifically : On XX/XX/2021, my credit score dropped an average of XXXX across all bureaus. 
Reason : XXXX updated the bureas that I had a balance increase of {$140.00}. Bringing the total balance to {$430.00}. On XX/XX/2021, XXXX sent the XXXX builder statement showing that {$290.00} had been paid on XX/XX/2021. This means that XXXX should have updated the balance on XX/XX/2021 to only be {$140.00}.
Product: Credit reporting or other personal consumer reports

I been complaining about these fraudulent accounts with these credit bureaus and sent in everything they requested of me and Im still not getting a response or seeing anything change. It has been months.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

I received a letter from SPRING OAKS CAPITAL LLC stating that they are a debt collector and they are trying to collect a debt that I allegedly owe to XXXX and that they will use any information I give them to help collect the alleged debt. I am not sure how these companies got my information, because I did not give it to them. This is fraud and identity theft. I did not give these companies permissible purpose or any other authorization to have, use, buy or sell my personal information. I am being preyed upon by this organization and it is trying to extort me. I sent this company a debt validation and cease and desist letter to which they did not respond. This company has damaged my credit and defamed my character. I do no not owe this company. I have a right to privacy and this company has violated my rights. They have reported this inaccurate erroneous information to the credit reporting agencies which has caused me to be denied for credit on multiple occasions. This account is listed on my credit report as an open collection as of XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting or other personal consumer reports

XXXX has allowed for these company to report accounts that are not me from victim of both identity theft and XXXX XXXX  victim. Ive disputed this before and they remain. Ive given all documentation for these items to be blocked and removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Collection Service Subject : Dispute of {$510.00} Dear Customer Service Team, I am writing to formally dispute [ describe the specific charge, error, or issue, e.g., " a charge on my credit card statement dated N/A or " an error on my credit report dated. I believe that this {$510.00} is incorrect because [ provide a brief explanation of why you believe it is incorrect, including any relevant details or context. 

[ If applicable, include specific details such as account numbers, transaction amounts, dates, and any other relevant information that will help the recipient understand your dispute. ] According to the information I have, [ mention any evidence or documentation that supports your claim, such as receipts, statements, or correspondence ]. I have attached copies of these documents for your review. 

I kindly request that you investigate this matter and provide me with a resolution. Please inform me of the outcome of your investigation in writing within [ mention a reasonable timeframe, e.g., 30 days ] as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Apparently I have a bill of {$10.00} that I have not paid on time on my JC penny credit card. I have not received any paper bill or even a letter from them that I have an overdue bill. It was I think theXX/XX/XXXX or XX/XX/2019 statement. I'm enrolled in both electronic and paper bills but never got a paper statement.I have not access my email address that was in the account. I called them to see if they can do anything about that delinquent account that was showing on my credit report from JC Penney store but they said they can't do anything about it anymore. I have already paid the amount immediately after I found out that I have an outstanding balance and that was before I found that they have submitted a delinquent account. I was so disappointed that for just {$10.00} this greatly affects my credit score.
Product: Credit reporting or other personal consumer reports

Good evening, My name is XXXX XXXX. 
Transunion is doing ALOT of illegal activity. 
I have shown them mountains of evidence that accounts on my credit report are a DIRECT result of IDENTITY THEFT and they just act like they've verified the accounts. 
I know they're lying because the other two credit bureaus already deleted this accounts. In fact, I have over a XXXX score in the other two bureaus and a XXXX on transunion. 
They claim that they verified accounts but it's a LIE. They have not verified anything. 
The accounts themselves are classified as identity theft and they still have NO proof they did an investigation. 
They literally are the only credit bureau stopping me from being able to obtain a car. 
I will be sending you guys all the identity theft reports and police reports that I have sent to Transunion and how they still do NOTHING. 
It's unfair. 
Please have them remove the following accounts from my credit report : Transunion : XXXX XXXX Opened : XX/XX/XXXX XXXX OPENED : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Hello, I am submitting a complaint after several rounds of dispute letters. However, these negative items are still reflected in my credit report. XXXX  student loans are still being reported to my credit after proof of discharge letter was sent to be removed at once! I didn't attend school there so it needs to be removed! Secondly, XXXX XXXX is still being reported in my credit profile when the loan account was paid in full and transferred to XXXX XXXX XXXX XXXX XXXX ). Why is this XXXX XXXX account still reporting as opened when it was sold and transferred. I have attached proof for both accounts.
Product: Credit card or prepaid card

On XX/XX/2020 an " ACH PAYMENT REFUND '' for {$2500.00} was listed on my credit card transaction history. I did not request any payment refund and the money was not refunded to any of my other bank accounts. 
When I called customer service they told me someone has fraudulently called pretending to be me and request my most recent credit card payment be refunded to their account. The bank flagged the call as fraud when it happened but still transferred the money. 
Customer service said the issue would be resolved in a few days and it still has not been resolved. I've spent 8+ hours on the phone with the bank. 
I am having a hard time getting information on the issue and the transaction is still present on my transaction history.
Product: Mortgage

The mortgage servicer Fay Servicing , LLC made verbal promises to provide mortgage assistance. 

Fay Servicing , LLC was made aware that I was severely affected by COVID-19 which completely changed my financial situation. I was unable to make my scheduled monthly payments because of the decrease in income. 

Fay Servicing , LLC stated that I would be placed on a forbearance plan that lasts for 12 months and a loan modification would be provided after the forbearance ended. I was given this information from a Fay Servicing , LLC representative on XX/XX/XXXX. 

However, Fay Servicing , LLC never provided forbearance or modification ; instead, they initiated a sale date of XX/XX/XXXX, and refused to provide any mortgage assistance or alternative to foreclosure. 

The actions of XXXX XXXX XXXX, XXXX are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

Fay Loan Servicing , LLC has established a history of misleading practices pertaining to CFPB guidelines and the Dodd-Frank Act which I have detailed in a Qualified Written Response dated XX/XX/XXXX XXXX
Product: Debt collection

I have repeatedly disputed this account asking for validation from the company, and I have not received anything from them. I paid on the account a long time ago because an agent from the company told me I had to to make my credit better. As i was making payments I saw my score dropping. I called and the agent told me that paying them was helping me, but I don't know who they are or why paying them would help me. I have since been advised that agents are not allowed to give credit advice. I feel that between the " advice '' I was given, and the lack of validation when requested makes this a very interesting FCRA case. Please help me sort this mess out!
Product: Checking or savings account

Chime/Lead Bank . On XX/XX/2024 I reported that an unauthorized purchase that was made to my account. I was told it would take XXXX  days to fix, even though it wasnt my fault. No one is contacting me to resolve the problem. I need the money in the amount of {$820.00} to be returned to my account asap.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I filed a dispute on the following accounts ( XXXX, XXXX XXXX  ), ( XXXX, XXXX  XXXX ), ( XXXX, MIDLAND CREDIT MANAGEMENT ), ( XXXX, XXXX ) XXXX, XXXX XXXX XXXX Due to the reason of reporting inaccurate information on my credit report. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against ( XXXX ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. My information was also included in a data breach. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting these derogatory remarks be removed immediately as its affecting my chances og getting a ( XXXX, XXXX, XXXX XXXX ). XXXX violates my rights as a consumer, as well as federal laws. I would like these items removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is illegally reporting information without my expressly written consent or appropriate notification. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires that any institution that must provide written notification of furnishing any negative information to the credit bureaus. I have no records of any written notification made in the appropriate timeframe. 

If XXXX XXXX is unable to provide proof of timely written notification, I demand that any and all negative information ( I.e. late payments ) to my credit report be removed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred despite having sufficient funds when transactions were authorized I was charged fees due to lagged hosting of charges and credits this issue aligns with the recent XXXX findings against Navy Federal for similar practices were transaction settled with insufficient bounces despite inadequately available funds I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

I just noticed XXXX XXXX XXXX XXXX on my credit report. I never opened ANY of these cards. I have filed an FTC report with them on it. Still no action. Why is XXXX putting it on my credit report??? I also told the credit bureaus to remove as it's not mine. They won't follow the law. I've sent them a FTC report. Those accounts that aren't mine are still there. I have NEVER had a contract with chase ever. 
Partial account XXXX XXXX from my credit report XXXXXXXX XXXX
Product: Student loan

I obtained loans through XXXX XXXX ( Navient ) for a total of XXXX. To date I have paid back XXXX. I currently owe {$40000.00} over XXXX more than I originally borrowed. I accrue interest at a {$210.00} a month. Even at the suggested payment of XXXX I 'm only paying {$200.00} to principle and it will take me 17 years to pay off and I will have paid nearly {$110000.00} on a {$32000.00} loan. I find this disturbing. I have paid nearly $ XXXX and nearly $ XXXX of that has been interest only. There should be limits on the amount of money that a lender can charge. Being unable to afford {$410.00} per month only means that I 'm going to end up paying even more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the balance in Full. Balance should be {$0.00} and account closed. It is still reflecting open with an outstanding balance.
Product: Debt collection

At least once a year for the last 5 or 6 years this collection shows up with a different collection agency and I tell them the XXXX XXXX debt is not mine as I have never lived in South Caroline and I have never given anyone permission to open a XXXX XXXX account in my name. The debt goes away until the next year and a different collection agency suddenly shows up saying I owed XXXX XXXX. Please ask the collection agency and XXXX XXXX to stop as the debt is not mine.
Product: Checking or savings account

Chime closed my account and mailed me a check with my balance of {$4500.00} I didnt receive check before I moved and the check was suppose to be returned to chime but some how it ended up in Virginia and sign and deposit in someones account that I dont know nor gave permission to forge my signature. I was advised by chime where refund was from, bXXXX XXXX XXXXXXXX whom bank check came from and XXXX XXXX  whom cashed the check to contact police so i can get funds returned to me. I have attached check chime sent me with forged signature. I have reached out to chime over a year now and nothing has been done. I also reached out to XXXX XXXX  but they said its on chime to report fraud.
Product: Credit reporting

I have paid many accounts that are not being reflected on my credit report. my score is not reflecting the positive hard work i have put into my credit standing.