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

Habitat for Humanity is still not reporting my mortgage payments. They have not reported payments from XXXX XXXX. This information need to be updated. It is affecting my credit score. I was told they report payments monthly. But they are no reporting my payments monthly.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report .I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report XXXX reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission XXXX Identity Theft Affidavit. 

Please delete the items as soon as possible.
Product: Student loan

XXXX XXXX and then Navient would post extra principal loan payments even with my expressed desire to apply the monies to loan principal reduction as loan interest payments. Over {$2000.00} was posted as interest abd future interest payments eventhough specific instruction was given to reduce loan principal with the intentional loan payment amounts. Each contact with Navient customer support resulted infrustration and purposeful stonewalling. In addition Navient 's practice of simultaneously floating two outstanding loan payments being due illegally maximizes interest income.
Product: Credit reporting or other personal consumer reports

Dear [ XXXX XXXX XXXX XXXX ], I am writing to formally dispute the handling of my student loan due to the recent FERPA violation involving unauthorized access and mishandling of student loan borrower data. Given this breach, I am requesting an immediate review of my account and full loan forgiveness as a remedy for this violation of my federal rights. 

My concerns include : 1. Unauthorized Access to My Student Loan Data Recent reports indicate that borrower information was accessed by unauthorized individuals. This is a direct violation of FERPA protections, which require my student records to remain private. 


2. Failure to Secure My Personally Identifiable Information ( PII ) My Social Security number, financial records, and other sensitive data should have been safeguarded. This failure puts me at risk of identity theft and financial harm.

3. Breach of Trust and Federal Compliance As a borrower, I entered into this agreement with the understanding that my data would be handled securely and lawfully. This breach calls into question the legitimacy of my loan servicing and the Department of Educations compliance with borrower protections.

My formal request : Due to this serious violation of federal law, I demand full discharge of my student loan balance as an appropriate remedy. The government and its loan servicers have failed to uphold their legal responsibility to protect my private information. I should not be expected to continue repaying a loan that was mismanaged and that has exposed me to financial risk.
Product: Credit reporting or other personal consumer reports

Good afternoon! 

I am reaching out to get my old last name and addresses removed from my credit report if possible. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have a different career, and would like my XXXX XXXX XXXX XXXX XXXX  removed from my credit please.

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

I hope this letter finds you well. I am writing to request the removal of late payments from my credit report. After reviewing my credit report, I noticed that there are late payment entries for XXXX XXXX XXXX on XXXX to XX/XX/2018. 

I understand the importance of maintaining a positive credit history, and I take my financial responsibilities seriously. I encountered difficulties in making timely payments for the aforementioned period. However, I have since taken steps to rectify the situation and ensure that my payments are made promptly. 

XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service I am committed to maintaining a positive credit history, and I appreciate your understanding and assistance in this matter. If you require any further information or documentation, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I opened an account at XXXX XXXX XXXX as a supplementary account to my main bank account. I funded it the account with just a XXXX dollars. I also attached XXXX to my XXXX account. 

I made a purchase on XXXX that was supposed to be charged to my credit card, but XXXX wrongly charged my bank account instead, causing an overdraft. Even though XXXX swiftly corrected the error and refunded the money, XXXX charged me an overdraft fee. I tried to explain to them that this was the result of a billing error but they would n't hear it. 

Ultimately, XXXX kept the overdraft fees and opened a collection account based solely on the fees.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I signed up for Experian credit monitoring for {$27.00} on XX/XX/XXXX. I then called and canceled my subscription prior to the next month. I do not have the reps information, I didnt think I would have an issue. I then was charged another {$27.00} XX/XX/XXXX. Called, was told they do not issue refunds so I decided to change my card on the account just in case there was another issue. even with a new card on file my current debit card has been charged {$27.00} for XXXX XXXX XXXX and today XX/XX/year>. ALSO on Experian its stating I can not access my account due to non payment, so not only do they not honor cancellations, steal payments, they dont allow access to the services they are FORCING ME to have. 

I would like a complete refund of {$160.00} and my account closed along with all my payment information deleted. 

Experian is supposed to be trustworthy and its robbing the very same people trying to actually care for their credit.
Product: Debt collection

On XX/XX/20, I wrote to Continental Credit Control, a collection agency that was attempting to collect {$2100.00} on behalf of XXXX XXXX XXXX XXXX. I wrote the company asking them to verify the debt and provide me with any documentation showing details of the debt I presumably owed them. I sent the letter via certified mail which they received on XX/XX/20. Continental Credit Control did not respond to my letter and subsequent validation letters that were sent to the credit bureaus. 

As you can see per the attached invoice from Continental, there were two line items in the account summary for {$1000.00} and {$1100.00}, respectively. From what I can surmise, these two amounts equal the amount above that they were trying to collect, which means that they would only report one amount to the credit bureau. However, their malicious intent to inflict as much damage as possible, they reported each line item separately in order to show two collection accounts instead of one in order to make my credit report appear worse than it is. 

However, in spite of my repeated personal request and through CRA 's dispute process, they have failed to provide detailed documentation of the alleged debt. By reporting the collection account on my credit reports that they can not validate, they are providing false information that is damaging my reputation and preventing me from obtaining credit under the best possible terms.
Product: Credit reporting or other personal consumer reports

THIS IS AN INSURANCE BILLING ISSUE. MY INSURANCE PLAN PROVIDER FROM PREVIOUS EMPLOYER WAS XXXX. I WAS ASSIGNED TO XXXX AS MY CARRIER. THEN AT YEARS END TO XXXX. DURING THE SWITCH OVER MY MEDICAL PROVIDERS GOT THE BILLING MIXED UP AND MY EOB WRONG! I WROTE TO XXXX, WHO ASSIGNED A MANAGER TO INVESTIGATE. SHE CONTACTED SOUTHEAST ORTHOPEDICS ABOUT THE MIX UP. PROVIDED THEM WITH THE CORRECT EOB AND BILL AMOUNT. WHICH I PROMPTLY PAID IN FULL! SENT SOUTHEAST ORTHOPEDICS A MESSAGE CORRESPONDENCE VIA MY HEALTH PORTAL WITH A SCREEN SHOT OF THE BILL I PAID IN FULL. THEY IGNORED THIS AND CONTINUED TO BILL ME THE INCORRECT AMOUNT. AND THEN REPORT IT TO A COLLECTIONS AGENCY! MY WIFE AND I HAVE STRUGGLED VERY HARD TO ACHIEVE AN EXCELLENT CREDIT SCORE AND AS WE ARE IN THE PROCESS OF PURCHASING A NEW HOME... THIS NEGATIVE REPORT HAS AFFECTED OUR CREDIT SCORE AND REPORT!
Product: Student loan

Parent plus private loan for XXXX my XXXX year XXXX of college at XXXX, my parents helped pay the interest down every month until I graduated, I then got a letter about XXXX months after I graduated with a late payemnt ... have been paying XXXX aka XXXX XXXX aka XXXX 12 and 11.75 interest rates on this loan.. over XXXX has been paid back on this XXXX dollar loan and I still owe XXXX ... my next highest interest rate is 5 % I believe for other companies.. it 's forcing my to live in my parents basement and I 'm an investment advisor with a series XXXX, XXXX, XXXX and life accident and health insurance license. It 's cases like this that kill credit scores, slacken the housing market and depress the middle class. I 've written to navient XXXX times and an uninformed individual picks up the phone who never helps. Navient/XXXX//XXXX XXXX most likely got that XXXX they loaned me for XXXX for 0 % because of the federal Reserva q/e and I 'm fed up with how they 're taking advantage of the American dream, my parents did n't get to go to college so it was always drilled into my head that it 's anot opportunity I have to take advantage of. College ceos who raise out of state tuition and in state tuition no this all to we 'll and it wrong. When it comes to profit margins college education, especially state universities, should n't operate on the same principles that for profit corporations do. 

My name is XXXX XXXX and I believe in the words I just wrote and I think many other people do to. I 'm far from a XXXX and I 'm pro capitalism but for a while one would say " there 's something going on here and you do n't know what it is, do you XXXX XXXX '' ... well I think more than I have figured it out and it 's time to correct the next bubble before it bursts. 

( The {$15000.00} is a real figure, not my total loan just XXXX and I know others have it worse but I 'm sick of my own country taking advantage of age old ideology of college and federal policy loop holes )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and TransUnion arent complying with my dispute request. I sent them a letter on the XXXX of XX/XX/2020 which was my initial dispute. I then sent another letter on the XXXX of XX/XX/2020, which was a thirty ( 30 ) day demand to comply and they still havent responded.
Product: Mortgage

I did a Quitclaim deed on my old property and its showing up on my credit report as Derogatory and shows a XXXX  XXXX. I didnt do this XXXX  XXXX and I did mail a letter to the mortgage company. Its hurting my chances to buy a home.
Product: Credit card

Wells Fargo had a major outage in XXXX of XXXX. Since that time, I have been unable to access my Wells Fargo online account. Therefore, I have been unable to access statements and billing for my credit card. 

I immediately contacted Wells Fargo about the issue. They were unable or unwilling to restore my account access. 

I switched banks in XXXX of XXXX -- checking, savings, CD, etc. I kept the credit card open, but stopped using it completely by XXXX. 

In late XXXX, a bunch of fraudulent charges popped up on the card. I immediately notified them. I was told ( in writing ) that the charges would be removed. 

However, the charges were not removed. Wells Fargo kept the fraudulent charges, ruined my credit, and forcefully closed the card. 

Wells Fargo has tried everything to weasel out of their responsibility. They claim that I did not contact them, or provide the correct paperwork. Or that I actually had online access the entire time. All of which is ridiculous. 

They're not even reading my complaints any more. If you have read this complaint, then please include this read receipt code in your response : XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered numerous inquiries that were made without my consent or authorization. This egregious violation of my consumer rights must be addressed immediately. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, credit reporting agencies are only permitted to furnish consumer reports for permissible purposes. These permissible purposes include inquiries made in connection with a credit application initiated by the consumer, among others. 

the following inquiries by institutions do not have permissible purpose or my consent to obtain my consumer report. 
XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX delete them from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX might of ent letters but not to me because i didnt get them nor did i receive any phone calls from them i straighten out the matter as soon as i found out with bo effort on XXXX XXXX XXXX i didnt vomplain i payed up as sooh as i found out of my own accord even though amout doubled which should count for something
Product: Debt collection

These DEBT COLLECTORS HAVE CALLED 6 TIMES SINCE YESTERDAY XXXX, THEY HAVE CALLED MY GRANDDAUGHTER, ME ONCE, MY SON ONCE, MY DAUGHTER IN LAW ONCE, AND ME TWO TIMES TODAY. This has got to stop. Now everybody thinks I gave them permission to contact them. I do not know who they are and what they want my attorney said not to talk to them. But I will contact them right away to get to the bottom of it all.
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 # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX 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 card or prepaid card

Unsolicited VISA credit cards in my name and in a name I do not recognize for the same account number. Received XX/XX/2019. 

Received from US Bank National Association, XXXX. XXXX, XXXX, ND XXXX. 

A letter describing the above has been written and is being mailed to US Bank Association today, XX/XX/2019, along with a request to close the unsolicited account and provide written proof that it will not notify a credit reporting agency as to closing this account.
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it is you who are the actual furnisher and this account is reporting inaccurately. 
Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Mortgage

Last year ( XXXX ) i sent in a full payment to get my loan caught up to date.i was behind in payment., including all back owed taxes. 
They applied the funds and gave me a new adjusted monthly payment, now to include my taxes. i was making my payments, then in XXXX my payment almost doubled, I contacted them and it took until ( XXXX ) to resolve the issue. I could not make payments during this time because they still wanted the doubled payment amount. After funds were applied to the correct loan i then sent a payment ( XXXX 2015 ) to once again get current, Now still to this date my account is delinquent and they will not up date it so i can make a payment. They are doing this to me on purpose to try to force me into foreclosure once again. The initial funds i sent in back in XXXX last year and their miss appropriation of funds is still unknown exactly how and where funds were applied. I have asked for a detail to explain all fund disbursement and it still is not current and.i 'm notallowed to make a payment, because they do not show current balance of my last payment to get all owed amount applied to my loan.