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

I filed a complaint and dispute with Mohela Student loan servicer requesting they remove inaccurate reporting on my credit profile. Mohela continues to report erroneous late payments on my credit report that is causing my financial reputation to be negatively impacted and its lowering my credit score making it impossible for me to be approved for any type of credit. 
The errors that are being reported are as follows : 1 ) XX/XX/2019 is reported as 90 days late and this must be incorrect because the two months preceding XX/XX/2019 which are XX/XX/2019 and XX/XX/2019 are showing as paid on time. If the prior two months are paid on time, XX/XX/2019 can not suddenly become 90 days late. I demand my credit profile be updated to reflect that I was never late. 

XXXX ) XX/XX/2019, XX/XX/2019 and XX/XX/2019 are being reported by Mohela as 90, 120 and 150 days late accordingly. However, the two months preceding XX/XX/2019 which would be XX/XX/2019 and XX/XX/2019 are reported as paid on time. If XXXX and XX/XX/2019 were paid n tune, then it is impossible for XX/XX/2019 and XX/XX/2019 and XX/XX/2019 to be late because XXXX, XXXX and 150 days did not pass. You can not be 120 days late and on time for the preceding XXXX and 60 days. This is inaccurate and I demand my credit report be updated to show never late for XXXX, XXXX and XX/XX/2019. 

I demand Mohela update this account information even though it has been refinanced because it is still reporting on my credit profile as late and is dragging my credit score causing it to be low and ineligible for extensions of credit.
Product: Mortgage

On XX/XX/2024, I noticed that {$8000.00} was taken out of my escrow account for 'homeowners insurance disbursement '. This made no sense to me, as my homeowners insurance renewal letter said that my bill for next year was about {$1300.00}. My bill for this current year was around {$1200.00}, and my coverage options did not change and I do not live in an area with expected dramatic increases in insurance premiums. Obviously, this charge left my escrow with an extremely large deficit. I tried to contact United Wholesale Mortgage ( UWM ) to fix this issue. First, I tried speaking with an agent on the online chat function. The first agent cancelled the chat without a resolution and I had to try again. The second agent told me that my insurance company XXXX XXXX sent them a bill for {$8000.00}, and I must contact them to fix the issue. I then called XXXX XXXX, and I spoke on the phone with an agent. She told me that our bill was for {$1300.00}, and she even had proof that XXXX sent the right information to UWM. Furthermore, she wanted to start a conference call with UWM to fix the issue. We called UWM, only to get an automated robot who refused to send us to a live representative. Basically, UWM is starting the process to move our mortgage to XXXX XXXX effective XX/XX/2024. Unfortunately, their customer service line to our account was already shut off despite it being before XX/XX/2024. We could not get in contact with a live person because UWM did not code for the possibility that someone would need to speak with a live person as they transition the account. I had to go back to UWM 's live chat. I spoke with a rather rude agent, and I asked for a phone number to speak with a live person in order to conduct the conference call. She refused to give me any number. Instead, she once again said XXXX XXXX sent the wrong bill. We had to go on a 3rd party website to put our insurance paperwork in the system. Although it has only been one day, we have not gotten any word from UWM about how they plan on rectifying this immense escrow shortage given that our account with UWM will end soon. Additionally, our escrow evaluation is coming up soon and we can not afford our mortgage with an almost {$7000.00} escrow shortage. I am complaining as I find UWM 's customer service through the phone and chat to be completely unacceptable. Additionally, I find an error to such an egregious degree to be unacceptable. I find it ridiculous that a company will not question a mortgage insurance increase of {$7000.00} for a {$300000.00} house in NJ. This should have set off alarm bells for potential fraud or a mistake.
Product: Credit card

Had an existing account with Synchrony Bank paid on time and always as agreed. Synchrony has changed the terms of our agreement and I reject this change as Paper statements are essential and necessary for record keeping. This nonsense is discriminatory to those without internet or understanding of the processes to use online accounts. Because of this change I was required to cancel my account with them ; of which I am sure they are benefiting from as trustee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX 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

Back in XXXX, XXXX XXXX attempted to collect this debt, this is not my obligation. I demanded a debt validation, it was removed from all reporting bureaus. 

Then in XX/XX/XXXX it reappears again on my credit file, Midwest Recovery is reporting it this time. So I do the same, dispute it on all credit bureaus and mail a direct dispute to Midwest recovery. I have attached a copy of this letter. 

It was removed off XXXX and XXXX, but it is being reported twice on XXXX, exact same collection account, different number.
Product: Credit card

This account was originally opened on XXXX That is now 18 years ago. However, Kohls continues to report this account. 

This account had been in dispute and is now resolved and is closed. 

I am in the process of selling my home and purchasing a condo. This item is hurting my credit.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate addresses listed on my credit report, which I obtained on [ Date of Report ]. These addresses are not associated with me and may be indicative of identity theft. The following addresses are inaccurately reported : XXXX XXXX XXXX XXXX, 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 These addresses do not reflect my current or past residences and are likely associated with identity theft. As such, I request their immediate removal from my credit report to prevent further harm and inaccuracies. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws, I assert the following rights and requirements : FCRA Section 605B requires consumer reporting agencies to block the reporting of information that results from identity theft upon request.

FCRA Section 609 provides consumers the right to dispute inaccurate information on their credit reports.

FCRA Section 611 mandates that consumer reporting agencies investigate disputed items and correct or delete information found to be inaccurate or unverifiable. 


Additionally, the Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 defines identity theft and imposes penalties for those convicted of the crime.
Product: Credit card

PayPal Credit charges me late fees and interest every month that are increasing in an exponential manner. 

Over a year ago I notified PayPal that I wanted to receive paper statements. I received an online notice asking me if I wanted to receive online statements and opted in. Paypal did not notify me that this would result in me stopping receiving paper statements which I never objectively opted out of. Because I relied on these paper statements my bills were consistently late assuming that they had been lost in the mail. I did not realize that paypal had surreptitiously cancelled my mailed statements until after they decided to stop refunding late fees and interest which they did do for one or two months. 
I also told them repeatedly to keep sending me paper statements which they promised to do but never followed through on. Now I dont use my paypal credit account. 
Since paypal has refused to refund the interest or late fees of $ XXXX/mo I have refused to pay them and they are now threatening my credit score.
Product: Credit reporting or other personal consumer reports

On XXXX potential landlord for apartment I applied for ; requested my Experian Credit Report through Experian XXXX I paid {$19.00} for this service although I have the Free membership in my cell phone to view my credit. My credit score is XXXX so I shared that w/Landlord. After I shared my report it said my score was XXXX I was immediately denied the apartment due to low score. Experian XXXX in XXXX XXXX confirmed my credit score was XXXX. And said they were not familiar w/Experian.XXXX  transferred me to member services where I provided my credit card number in order I was told to confirm I paid {$19.00} to them. When confirmed I was told to email Experian XXXX for concerns. Denying they were the same agency although my credit card charge showed Experian XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, This keeps on happening. I settled a charged-off account with Capital One on XX/XX/2022 and this is the second time they are reporting the account as still charged off. This messed up with my XXXX report as it says I have a recent missed payment, and I do not have any missed payments since the last 6 years. I lost XXXX points with Capital One 's improper reporting. It is like they do not want to forgive you even if you settled your account and should not be reporting as a charged off since XX/XX/2022. I am tired of this and hopefully, this will stop them from refreshing the report as still an active charged off. 
Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Deletion of Inaccurate/Unverifiable Information Violation of FCRA 15 U.S.C. 1681i ( 5 ) ( A ) To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate, incomplete, or unverifiable information from my credit report in accordance with 15 U.S.C. 1681i ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed incorrect and inaccurate info on my report and requested a proper reinvestigation. As per the law, if any disputed item is found to be inaccurate, incomplete, or can not be verified, it must be deleted from my file. Yet, to my knowledge, these erroneous entries remain on my credit report. 

PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/year> XXXX. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Failure to comply with the FCRA is a direct violation of federal law. You are now on formal notice that if these disputed items are not permanently deleted immediately, I will have no choice but to escalate this matter, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action for willful noncompliance, which carries statutory damages of up to {$1000.00} per violation, along with punitive damages and attorney fees under 15 U.S.C. 1681n. 
Holding you liable for any financial harm caused by your failure to uphold your legal obligations. 
This is your final notice. I demand written confirmation that the disputed information has been deleted from my credit report within 15 days of receiving this letter. If you fail to comply, I will take all necessary legal action without further warning. 

You have been warned. Govern yourselves accordingly.
Product: Credit reporting or other personal consumer reports

Violation of : Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) TRANS UNION HAS REINSERTED AN ACCOUNT ON MY TU FILE THAT WAS DELETED DuE TO IDENTITY THEFT AND NO PROOF OF WET SIGNATURE APPLICATION OR PHOTO ID BECAUSE XXXXXXXX XXXX XXXXXXXX CLAIMS IT WAS DONE ONLINE AND NO VALID PROOF IF THIS IS NOT REMOVED AGAIN I WILL GET A LAWYER TO HELP ME WITH THIS MATTER. 
FRAUD ACCOUNTS BELOW : Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Balance : {$1600.00} : Opened : XXXX XXXX, XXXX Account Name : : XXXXXXXX XXXX XXXX  : Balance : {$270.00} : Opened : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX and XXXX  several times in a attempt to get these hard inquiries i did not authorize removed I was told that I need to call and contact the original creditor that placed these inquiries on my report. I have made several attempts to get Capital One to contact the bureaus and remove these inquirys as they were not authorized by me. They seem to not be able to get me to the right person to take care of this matter no matter how many attempts I have made nobody seems to understand what I'm talkin about. I want all Capital One inquiries removed from my credit report before I take legal action. I I have never requested any kind of credit with Capital One or hold any account with them. I have inquiries from capital one on XX/XX/19 and XX/XX/19. i want this matter resolved
Product: Debt collection

I am writing to formally request the removal of an inaccurately reported charged-off account with XXXX XXXX XXXX GB Collects from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as XXXX XXXX XXXX GB Collects, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Product: Payday loan, title loan, or personal loan

I received an email from the company stating that transaction fees ( 25 % ) for cash draws made between XX/X/17 - XX/XX/17 would be reimbursed as a credit to my account balance within 14 days. 

I sent an email for clarification and they confirmed this offer. I then made an advance request. 

14 days later, I saw no credit on my account. I emailed and they said I would see it on my next statement. Now, 25 days later and after having received my statement, the credit is still not there. 

I Would not have requested the loan if not for this offer. They lied and tricked me into taking a loan with the promise of waiving the very high transaction fee.
Product: Credit reporting or other personal consumer reports

THESE INQUIRIES ARE NOT MINE, I DID NOT AUTHORIZE ANY OF THOSE LISTED IN MY COVER LETTERS. PLEASE HELP ME DISPUTE AND REMOVE THESE.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX or so I contacted the collections department to see if they would waive the last payment of the loan. The person in collections had to transfer me to a different department I think it was settlements, I don't recall. I was told because the amount of the loan is less than what the car was worth the money could not be waives. I made a comment that I will have to make the payment whenever I have it and disconnected the call. I has this loan for 72 months NEVER had a payment reported late, amazingly after disconnecting the call, I get a hit to my credit for late payment. I did not see this on credit until after I paid the vehicle off which was actually the NEXT day after speaking to the gentleman. That late payment brought my score down XXXX points.
Product: Money transfer, virtual currency, or money service

Cashapp XX/XX/year> {$300.00} Transaction number XXXX I asked for a refund. They refused to give a refund even though it was pending and had not been removed from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX  Date of Inquiry : XX/XX/2023 Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am beyond upset and puzzled with how you CRA 's agencies break the law or have no concern with following the procedure required to report information. I've talked to lawyers ( several ) and I've even studied the metro 2 data rules you are supposed to be following as well. So your own reporting standard is violated and then you also violate the FCRA. I spoke with the courthouse and they told me - they do not verify any information with credit reporting agencies ; thus, you are in violation of the FCRA and the spirit of the law. You are even in violation of your own Metro 2 data standards. Delete this account from my reprt
Product: Credit reporting or other personal consumer reports

They said its not their problem but they are the company reporting it on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

requested a copy of credit report b/c of ftc violation have not received one more than 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the erroneous accounts and information reporting on my Credit Report but all my Disputes have been ignored and neglected by the Credit reporting Agencies. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required o conduct an investigation and verify the disputed items being reported on my Credit Report. And if the Credit Bureaus insist that the Disputed accounts are verified, I need the Credit Bureaus to provide me copies of proof of verification. However, all my previous requests for proofs of verification have been neglected by the Credit Bureaus. I am submitting this CFPB Complaint to request another investigation and correct my Credit file from any erroneous reporting. I need the following items deleted if the Credit Bureaus are not able to verify : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

ON XX/XX/2021 BETWEEN XXXX TWO PHONE NUMBERS CALLED MY HOME TO REPORT A PURCHASE WAS TRYING TO BE MADE ON MY XXXX XXXX CREDIT CARD OF ROUGHLY {$300.00}. THEY WERE ACTING LIKE THEY WERE AN AMAZON REPRESENTATIVE. THEY DIRECTED ME TO A WEBSITE TO GO ON ; XXXX. I DID NOT GET ON THE WEBSITE BECAUSE IT TOLD ME TO DOWNLOAD SOMETHING AND IT WOULD NOT WORK. 

THE FIRST PHONE NUMBER WAS XXXX XXXX XXXX, WHICH I ANSWERED BUT THEN HUNG UP. THE SECOND PHONE NUMBER WAS FROM XXXX, RI XXXX WHICH SAID TO PRESS 1 TO SPEAK TO SOMEONE AND THIS IS WHEN THEY DIRECTED ME TO THE ABOVE WEBSITE.
Product: Debt collection

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

XXXX XXXXXXXX XX/XX/year> {$8800.00}
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX