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

Account # : XXXX To whom it may concern, I am writing to bring to your attention an error in my credit report and respectfully request your assistance in correcting it. I noticed that for the month of XX/XX/2023, my monthly payment was reported as overdue, despite the fact that I had set up automatic payment to be deducted from my bank account on the 29th of each month. 
Upon investigating the matter, I contacted my bank and was informed that due to the 29th falling on a Saturday, the payment was processed on XX/XX/2023. Although I explained the situation to the bank agent and the collection department, they both acknowledged the mistake but were unable to make the necessary correction. 
While I understand that correcting a credit report error can be a cumbersome process, I would like to emphasize the significant impact that this mistake has had on my family and me. Therefore, I kindly request that the overdue payment be removed from my credit report as soon as possible. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue. 
Sincerely,
Product: Debt collection

I've been receiving correspondence from Westlake Portfolio Management demanding repayment on a loan. 
This loan was discharged through a bankruptcy court XXXX of 2021 of this year. I've made several calls advising them of this but they continue with harassing letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit that were " purchased by another Lender '' XXXX  XXXX XXXX XXXX XXXX CLOSED XXXX/XXXX XXXX XXXX CLOSED However, Experian has been reporting this inaccurate account on my credit report and they are the only bureau that is reporting these erroneous items on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX credit bureaus, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. Specifically, I wish to dispute this account : XXXX XXXX .
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX  {$1100.00} 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: Mortgage

Dear Sir or Madam, I 'm writing to get some assistance in dealing with Nationstar Mortgage. I modified my mortgage with them in XXXX, which was quite an ordeal because they lost my documents numerous times and caused 9 months delay, causing more interest and they added {$3000.00} in attorney 's fees. They added {$4300.00} capitalized to the balance of my loan at that time to correct the escrow account. There was no shortage until they started adding approximately {$160.00} each month as a cushion to my escrow account. That 's over {$1900.00} a year of my money that they are using. 
My issue with them currently is that they will not allow me to pay my home insurance and taxes directly. A year ago I started paying taxes and insurance directly because Nationsta r was cushioning my escrow account in excess of maximum that the Maine State law allows. I sent them a statement telling them I would be paying directly and why. I asked for a waiver form to cancel my escrow account and proof that my insurance was paid for the next year and continued to request this every month while I also sent proof of my tax and insurance payments. Nationstar is in violation of Section 10 of the RESPA which states the limits on escrow accounts. Please see the XXXX pages of documents I have attached to this complaint to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by a XXXX XXXX rep to fill out this report because of unauthorized inquires in my report. Please remove all these unauthorized inquiries on my report. Thank you for your help. This is hurting my credit score and giving false information to future creditors. XXXX  XXXX XXXX Date of Inquiry : XX/XX/2023, XXXX XXXXXXXX Inquiry Date : XX/XX/2023, XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

the bankruptcy is not mine, and multiple errors with the bankruptcy information reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issue concerning late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with the late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

CB/XXXX XXXXXXXX
Product: Checking or savings account

Wont process my payroll deposit. All they are saying is they are working on the problem but wont give an eta on when it will be done. Capital one bank
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity. These items are not transactions conducted by me as a consumer XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Information : XXXX XXXX, XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 


Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attached the dispute letters that were sent to TransUnion, XXXX, and XXXX, which they failed to respond to. Could you please address this issue with them on my behalf? Their lack of response is a clear violation of FCRA regulations, as they are required by law to conduct a proper investigation and provide an answer. 

Thank you for your assistance in resolving this matter.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX CA {$3.00} XX/XX/2023 This transaction was supposed to be refunded by XXXX as the order was cancelled because the Dasher could not complete it. After it was cancelled, the support agent said my account had a block for refunds. 

I want to dispute it but I was on hold for over 30 minutes trying to, and there's no chat/online way to fix it. I'm only disputing it here because it's faster.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has listed an open credit card on all my credit reports. I filed disputes with all credit monitoring agencies and XXXX XXXX says the information is accurate despite it actually being a fraud account. I never opened any XXXX  XXXX account in XX/XX/2024. XXXX  XXXX won't answer the phone or the wait times are excessive. None of the credit bureaus seem to want to help either.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I believe that I was a victim of the " inquiry issue ''. When I called in the gentleman in customer service was very rude. I asked to be transferred to a XXXX rep and he refused. I received no help from the rep to resolve my issue. I just want these inquires removed from my report ASAP! 

Ally Financial ( XXXX inquires XXXX American XXXX XXXX XXXX ( XXXX inquires ) suntrust Cci/ppc XXXX bank ( XXXX inquires ) Citizens XXXX auto Consumer Portolio Credo First investors XXXX XXXX XXXX cars
Product: Mortgage

Nationstar refuses to apply payment correctly. To make it simple - Nationstar HAS received our payment for XXXX 2016. They have misapplied it. They have CASHED all our checks. Why is this company allowed to continue with their HORRIBLE business practices???? They have hurt my credit BADLY by saying we are behind on our payments!!!! The worst thing is this is the SECOND time they have done this to us. 


I expect an APOLOGY, I expect my CREDIT score to be corrected, and I expect the two checks that they RECEIVED for XXXX 2016 in the amounts of XXXX and XXXX which total the CORRECT amount due for XXXX to be applied correctly.
Product: Credit reporting or other personal consumer reports

I have submitted CFPB complaint number XXXX for erroneous reporting of information on my credit report. The investigation has exceeded 30 days. The account XXXX XXXX XXXX remains on my credit report.

I am entitled to a fair investigation into the disputed information under Sec

tion 623 of the Fair Credit Reporting Act ( FCRA ), aiming to correct errors and ensure the accuracy of my credit report. This erroneous record continues to do to my credit worthiness. Experian is engaging in willful non-compliance of FCRA Section 623.
Product: Debt collection

NELSON CRUZ & ASSOCIATES ; LOCATED AT : XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX  HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

( PORTFOLIO RECOVERY ) IS REPORTING AN ACCOUNT ( {$610.00} ) ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN XXXX DAYS I WILL BE SEEKING REMEDY UP TO {$1000.00} PER VIOLATION UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE TAKING LEGAL ACTION AGAINST ( PORTFOLIO RECOVERY ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE XXXX  DAYS. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, how are you sending this complaint by this means and have tried to remove the fraud alert from my credit report, they asked me to send my documents to verify me and remove the alert I sent my DOCUMENTS more than 20 days ago and they still do not receive them I want to send my DOCUMENTS through this complaint thanks.
Product: Credit reporting or other personal consumer reports

XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I am deeply concerned to find several accounts on my credit report that do not belong to me. These fraudulent accounts are causing significant distress and are preventing me from securing essential credit. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I urgently plead for their immediate removal. Please expedite the investigation and correct my credit file as soon as possible. Thank you for your prompt attention to this alarming matter.
Product: Credit reporting or other personal consumer reports

I was promised via phone call that someone would look into my issue. They saw the error that XXXX XXXX made and said that it should be fixed really soon. They also stated they would pull the phone calls made so that the matter can be rectified. 

I was enrolled in a hardship program with a representative on a recorded conversation XX/XX/31 and on XXXX The lady insisted that if I made a payment and enrolled in program to get me caught up with my payments that I would not be reported to any credit bureaus as late. 

Today, I pulled my reports because Im about to purchase a home and was notified that my XXXX account is reporting late in XXXX and this is now going to affect me for the rest of my life if they dont fix this immediately. 

The phone call and messages are all recorded. I need someone to contact me, & contact XXXX credit bureau and fix this immediately. 

This is so detrimental to me and causing me not to get my house for me & my new XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MyFed Loan was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. 
On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. 
To date the {$8000.00} is still reflected on my credit report as being owed to FedLoan. I spoke to MyFed Loan several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the Fed Loan balance. 

I have also disputed this balance 3 times as wrote to FedLoan and every time they send back that the balance is correct with documentation that shows that I owe {$0.00} on my prior loans with them. The credit bureaus stated there is nothing they can do because the investigation and findings are from the company I am disputing and that the company does not have to show proof to the credit Bureau. 

I am stuck between these companies and need help resolving.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting Agency permanent deletion of XXXX XXXX XXXX account number XXXX. 

XXXX XXXX XXXX Deletion previously placed in Experian credit file Deletion date : XXXX XX/XX/2019 Experian Report Number : XXXX XXXX XXXX XXXX XXXX Experian has not permanently deleted said account. 

Experian has not updated my credit score to reflect said deletion of XXXX XXXX XXXX closed/written off/disputed account.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishand led MY loa n money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.
Product: Credit reporting or other personal consumer reports

In a earlier letter you stated u was a reseller of information. Can u please let me understand who information/securities is you selling I want to see a contract I have with u to resell my securities I had to do my research I got my XXXX account they provided me with an account number then I got a XXXXXXXX XXXX XXXXXXXX they provided me with a XXXX XXXX wow that blow my mind how much is in my account with my signature and my social security attached to it I've been denied a extension of my own unlimited credit so at this point I have five different XXXX XXXX XXXXnd as soon as Donald Trump gets into office he is going to audited the federal reserve and the banks Im going to have all these accounts audited by time he gets in office I would already have my 2848 form and 56-56f forms in to control my estate so please show me a contract with my signature I gave you permission to sell my securities and treat me as a minor in my own account XXXX XXXX XXXXXXXX said they dont have a contract with me so there are hanging your company but im going after u all
Product: Debt collection

i have a lean on my house and i dont know why i was told XXXX XXXX  that i owe XXXX someplace called XXXX  was out of business it was sold to cavalry portfolio and i was told it could be a master card or a loan.this was back in XXXX no contact with them at all and dont even know who they are but they have my address why didn't they send me anything after all these years so cavalry portfolio sent it XXXX  in the amount of XXXX and then send it to the lawyers office. still no contact until i called them because i need to refinance my mortgage but after 7 years they are telling me i owe money i dont owe it and i am on XXXX and they tried to take it from my XXXX check as paid wages.its wrong a business goes out and you sell it to another company no way this is there phone numberXXXX XXXX XXXX XXXX the lawyer they are using isXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT A CREDIT REPAIR COMPANY AND NO ONE IS WRITING ON MY BEHALF. I XXXX XXXX, HAVE BEEN WRITING TO DISPUTE THESE ITEMS FOR A FEW MONTHS NOW AND I AM GETTING UPSET MY REQUEST IS BEING DENIED BECAUSE " IT SEEMS LIKE SOMEONE ELSE IS CHALLENGING THINGS ON MY BEHALF ''. PLEASE INVESTIGATE AND FIX THE ISSUES I AM REFERING TO.
Product: Credit reporting or other personal consumer reports

I have public assistance and I am entitled to my free report XXXX  and can never access them
Product: Credit card or prepaid card

On XX/XX/2023 I contact CFPB in recording a issue with Discover Card about charges on my account that was not valid please refence CFPD case number COMPLAINT ID XXXX On XX/XX/2023 XXXX XXXX Executive Office of Customer Advocacy contact me by email saying they will look into the matter On XX/XX/2023.. I called into Discover because I had issue with using my card was told that my account was closed On XX/XX/2023 Received response from Discover saying that didn't provide information that I payed the merchant with a different in fact I provide them with info that I did and emails saying that they will refund me plus text message from merchant sayin they will. They say they looked into the matter but fail to say they closed my account in the process after i contact CFPB In which with they response they are causing financial hardship, emotional stress and damage credit from obtaining credit from other companies in the future