23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX I purchased a new XXXX. I attempted to connect the Apple XXXX to my bank account. In the process, it asked a number of financial questions. Unbeknownst to me Apple and Goldman Sachs opened a credit card in my name. Sometime in XXXX I received a collection for a {$25.00} charge for XXXX that I have never made. I disputed the charge with Goldman Sachs and asked they provide a proof of the charge. I also canceled the credit card as I had never consented to it. Goldman Sachs never provided any proof or supporting information that I had made a charge. They bizarrely insisted I did. 
I did not make the charge, nor anyone I know. 
It was completely fraudulent. Despite my exhaust of efforts to dispute the charge with both Goldman Sachs and Apple XXXX, I was stonewalled with no reply, or a denial of my request, stating i agreed to the charge. I did not. I went through the extra effort of writing to the president of the company with absolutely no reply. It began to appear on my credit profile and affected my credit score and I paid the {$25.00} under protest to clear my credit. Regardless, it remains on my credit to this day as a collection account in violation of all my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried with Trans Union on multiple occasions to have to validate and remove debts that do not and are not ever associated with me. I asked them how they can keep allowing these things to be reported when they dont belong to me, never been in any address Ive ever lived at. They continue to tell me why you have to contact the creditor. In other words, they are not properly verifying collections accounts they are placing on peoples credit. Not only that I sent to dispute letter and their response was they dont believe it came for me so theyre not going to investigate
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a concerning issue that I recently discovered on my credit report. Specifically, a new late open account has appeared on my credit report, which is both inaccurate and unjustified. 

Upon reviewing my most recent credit report from your agency, I observed the inclusion of a late open account that I have no knowledge of and have never authorized. This entry, which pertains to [ describe the account in question, including the creditor 's name and any other pertinent details ], is not representative of my financial history and is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I must emphasize that I have consistently maintained a strong record of financial responsibility, ensuring that all my accounts are paid on time. It is therefore perplexing and concerning to me that a late open account has appeared on my credit report, as this adversely affects my creditworthiness and poses a serious risk to my financial standing. 

In accordance with the FCRA, I am formally disputing the accuracy of this late open account entry on my credit report. I am enclosing relevant documentation that substantiates my claim, including [ list any supporting documents, such as payment records, correspondence with the creditor, etc. ]. These documents clearly demonstrate that I do not have any outstanding or late open accounts with the creditor in question. 

I kindly request that you undertake an immediate investigation into this matter to verify the accuracy of the late open account entry on my credit report. Furthermore, I request that you provide me with a written response outlining the results of your investigation and the necessary corrective actions taken to rectify my credit report within the legally mandated timeframe. 

The inclusion of this inaccurate information on my credit report has the potential to harm my financial well-being and my ability to access credit on fair terms. I trust that you will treat this matter with the urgency and seriousness it deserves to ensure the accuracy of my credit report is promptly restored. 

Failure to address this issue in a timely manner will compel me to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. Please help me remove the following inaccurate items : OAG CHILD SU XXXX Balance : {$7000.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$7000.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$6800.00}.
Product: Student loan

I need some assistance in having Fedloan process my most recent IDR request form that was submitted on or about   XXXX   XXXX   XXXX   , via fax.  I have made numerous phone calls regarding this and have been consistently told that either the form was being processed or that it could not be processed. In the meanwhile, I did not make an  XXXX  payment because I do not have the new amount and was advised by Fedloan to NOT make an  XXXX  payment ( and to wait for the form to be processed ) because I am not at risk of negative reporting. I am concerned because I had a similar situation late last year and my account did in fact suffer negative reporting.     Se e Fedloan letter date d  XXXX / XXXX / XXXX  wherein I was told that I needed to make three on-time payments under my current IDR plan before a IDR for a lower payment could be processed.    See Fedloan  bill dated  XXXX / XXXX / XXXX  that shows the  XXXX  payment due of {$700.00} which was the current IDR payment.   See my  XXXX  -  XXXX   XXXX  payment history which shows that I made three consecutive payments in the IDR amount and on time.   Fedloan required me to re-submit IDR request because pay stub had expired. I sent in new request on or about    XXXX   XXXX   XXXX   as  stated above - via fax.   See  Fedloan letter  dated  XXXX / XXXX / XXXX  wherein I am again told that my request was denied because I needed to make three consecutive on-time payments on the current IDR. This obligation has been fulfilled pursuant to the  XXXX  payment history submitted.   I have had numerous telephone conversations with Fedloan to explain that I had fulfilled this obligation and attempted to determine a new payment. I spoke with a representative last week who advised that my IDR form was still under review but offered that my estimated new payment when approved would be {$280.00}.   On Monday of this week (  XXXX  ) I called  Fedloan  and requested to speak with a supervisor to demand a new payment because I was past the payment due date. I spoke with  XXXX  who explained in layman terms that my account ha d a road b lock that he needed to move to clear the way for my IDR to be processed.   See  Fedloan letter d ated  XXXX / XXXX / XXXX  where again, they are denying my IDR request until I make three consecutive on-time payments on current IDR. I HAVE DONE THAT!!!   When I accessed my Fedloan account online today I noticed that the payment amount had changed from {$700.00} to {$630.00} ( See screenshot ) I have no idea how, why, or when this odd payment amount was attached to my account.     Clearly  Fedloan  has me going in circles and as a result the good standing of my account and ability to manage it is greatly compromised. I simply need to know what my new payment is and when I can begin to make the new payment. Given the circumstances, I should not be penalized in any way. Thank you.
Product: Mortgage

Wells Fargo is charging me for home insurance after I have uploaded and faxed proof and spoke with them on the phone. 
I have been dealing with them for over 3 months and they continue the FRAUDULENT behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$2000.00} has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Product: Student loan

After I left graduate school, I was ( and still am ) working in the education field making very minimal money. Navient initially did not inform me about income-based repayment ( IBR ). When I did research and found out that I should be eligible for IBR, they made the process to enroll in it exceedingly difficult. During the time that my loans were with them they did not approve me for IBR. Thankfully, I was able to transfer my loans to a different provider who was willing to approve me for IBR.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA is incorrectly and unlawfully reporting a closed account with bad payment history out of retaliation and malice.This is preventing me from obtaining mortgages, apartmenrs, credit cards and loans. This is a violation of the FCRA. USAA agreed to pay for delete for the old account. This has been paid and closed for over a year.
Product: Mortgage

I am filing this complaint against DMI who currently subservices my FHA mortgage on behalf of XXXX XXXX  XXXX XXXX XXXX. 

I applied for Covid related forbearance in XXXX of 2020 and was granted a three month forbearance plan. When my initial forbearance expired, I made my XXXX and XXXX payments. I then applied for a second forbearance period as I was still experiencing financial difficulties directly related to Covid. I never received confirmation that this request was granted but I assumed it was when I did not receive calls or mail from XXXX when I did not make the next few payments. Finally in XXXX, I received a letter from XXXX saying my forbearance period would soon be coming to an end. The letter did not say the exact date it would end because I was still struggling with Covid related financial difficulties, I applied for an extension to my forbearance ( that I never truly knew I had until receiving the letter saying it was coming to an end ). Once again, I never received anything from XXXX approving or denying this extension so I assumed like the previous that it was granted. Now today I receive notification from XXXX XXXX  that XXXX has reported my mortgage account as +30 days to the credit bureaus. 

My complaint is that, other than my initial approval and the two letters I received saying my forbearance was coming to an end ( one in XXXX and one in XXXX XXXX, I had no way of knowing the true status of my account. XXXX 's website does not tell me if I am in forbearance. The Loan Solutions website I was directed to in order to make my request does not tell me the status of my request. XXXX has only once, in relation to my first request, sent me anything acknowledging my request and confirming if it was approved or denied. Now they have reported me late??? I have asked XXXX directly and through a previous complaint to communicate with me via postal mail and have received nothing meaningful. As one of the country 's largest mortgage servicers I would have expected them to be better prepared to handle a situation such as what the country is experiencing but unfortunately, the customer service experience I have received has been horrific and now damaging.
Product: Debt collection

Credit Acceptance I have requested a form 1099 C from this company to cancel this debt It is within consumer rights my calls and request have gone ignored
Product: Credit reporting or other personal consumer reports

I had a car loan through Regional Acceptance. 3 months after I bought the car, my car was parked in front of my home and was hit by an intoxicated driver, which flipped my car into my neighbors yard, and my car was totaled. The driver took off running before the sheriffs arrived. I had full coverage car insurance through XXXX. My accident was in XX/XX/year>. XXXX paid off the vehicle loan and confirms Regional Acceptance cashed the check from XXXX in XX/XX/year>, the day after they received it. Regional Acceptance states on my credit report I missed XXXX payments after that, however, there were no payments to be made, as the debt had been completely paid for. They were going to continue until I had bought a different car and because my credit score was affected by the lie from Regional Acceptance, the dealership was going back and forth between XXXX  and Regional Acceptance, which then Regional Acceptance finally stopped adding months of nonpayment to my credit score. I believe this is fraud and is still negatively affecting my credit, when my payments were in good standing. I was not late 3 months.
Product: Checking or savings account

Capital One froze my checking account that I recived my 2nd round PPP loan and my SBA Targeted Advance Grant. Told me I obtained these funds fraudulently.

The asked me for tax returns and bank statements to release the funds and I submitted what they asked for plus my award letter from the SBA. The investigators said they need to look into the situation and get back to me. I called to check the status a few days later and they said they returned my funds to the lenders and must contact them. I contacted both and no funds were returned and said that I shouldn't worry because they have documents to prove my eligabity. They took every XXXX and are refusing to give them back and the lenders never recived my funds ether. 

I need my funds. I am a sole proprietor and I am eligable for all funds received who is the ban to tell anyone I committed fraud but tje lenders approved me with supporting documents. When I asked the bank why I can get my funds they said the out come of the investigation was to return funds. That's the reason they gave me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 at XXXX XXXX I received a threatening message and voicemail from XXXX XXXX from the company Northwood asset management group in XXXX New York from phone # XXXX. The message also left the return number of XXXX reference number XXXX. This message included a family member and myself.
Product: Debt collection

I spoke to XXXX XXXX on XX/XX/XXXX. He stated that he was with XXXX XXXX, a company that is designed to help mediate between people that owe money to companies. He stated that I owed {$1400.00} to Check into Cash from XXXX and they were going to file Fraud and Theft charges against me if a payment was not made. He had my social security number, my wife 's name, and other information that sounded like it was a legitimate claim. He offered three different options to pay the loan off and I chose to pay using the third option which was a total amount of {$650.00} dollars. I explained to him I did not have a way to make the payment that day, I could call back tomorrow ( XX/XX/XXXX ) and make the payment. He suggested that I get a money card from XXXX to be able to make that payment. I went to XXXX to try to get a money card. There were none available. He told me that if he did not have a card on file, he would let Check into Cash know that I was not able to make payment and they would go forward with the charges. I asked him to please send me a copy of the debt that he has and he told me he could not until the transaction was finalized. He stated that he could push the payment off until the XXXX of XXXX if I gave him my card number and it would mitigate the charges Check into Cash planned on filing against me. I gave him my card number. He sent me to his supervisor XXXX XXXX. She reiterated the same information that he had given me and stated that if I called back XX/XX/XXXX with the payment they would be able to lower the payment. When I called to make the payment on XX/XX/XXXX, I spoke directly with her and I told her I could make a payment today and she put me on hold and immediately took out the full {$650.00} dollars. She stated an email would be sent to me verifying that the amount was paid in full within 24 hours. I never received an email. I called this morning, XX/XX/XXXX to see if there was an issue with the email, the number goes straight to voicemail then tells you the voice mail is full and there is no way to leave a message. The money was pulled out of my account on XX/XX/XXXX as going to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of Identity Theft and have my Identity Theft report attached along with this complaint. I have attempted to reach out to the companies who initiated the fraudulent accounts and the credit reporting agencies but nothing has been rectified as of now. 

In XX/XX/XXXX my wallet was stolen while at a XXXX in XXXX, California which contained my social security card, my driver 's license, and bank card. I was also notified that my personal information was compromised in data breaches by XXXX, XXXX, and XXXX. In XXXX of XXXX I checked my actual credit report for the first time since that situation occurred and found fraudulent accounts listed that I did not authorize including inquiries for credit products that I did not authorize. 

Those items are listed below : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXreported : XXXX, XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I frequently check my credit through XXXX XXXX, and today I noticed my credit dropped 96 points in my Equifax due to someone reporting a false address. Please help me sort this out. Thank you! 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the XXXX, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Checking or savings account

XX/XX/2022 visited branch at M & T branch to report the fraud XX/XX/2022 filed police report XX/XX/2022 contacted all credit bureaus
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. This situation is not only compromising my financial well-being but also causing considerable stress and anxiety. I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent item in question poses a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent item from my credit report. If this matter is not addressed to my satisfaction within the exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your help to remove the fraudulent item in my credit XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : NEVADA XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX