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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> TO : ALL CREDIT REPORTING AGENCIES RE : Request for Removal of Charge-off and Collections from Credit Report Dear Whomever this may concern, I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report, which I believe is not in compliance with the Metro 2 format.

I recently reviewed my credit report and noticed that a debt that has been discharged and for which a 1099-c has been filed with the IRS is still being reported as a charge-off and/or in collections. This debt, in fact, should not be reported in such a manner, as it has been legally discharged and no longer exists. It is my understanding that this incorrect reporting is not in line with the Metro 2 compliance guidelines. 

The account in question is XXXX XXXX XXXX XXXX XXXX. The discharge of this debt was officially granted on XX/XX/year> and the XXXX was filed with the IRS on XX/XX/year>. I kindly request that you investigate this matter and, if my claim is found to be accurate, remove this charge-off and/or collections from my credit report. IF THIS ACCOUNT IS NOT REMOVED FROM MY CREDIT REPORTS, I WILL INVOLVE TAX ADVOCACY SERVICES WITH THE IRS FOR ALL PARTIES REPORTING THIS ACCOUNT NEGATIVELY.

The continued reporting of this discharged debt is negatively impacting my credit score and could potentially lead to unwarranted financial complications for me in the future. I am confident that you understand the importance of accurate credit reporting and will take immediate action to rectify this situation.

I am enclosing copies of the discharge and the 1099-c for your reference. Please let me know if you require any additional information to expedite the process. 

I look forward to your prompt attention to this matter. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Discharge/Copy of 1099-c
Product: Credit card

On XXXX XXXX XXXXXX/XX/year>, I was sent e-correspondence from Synchrony that my Amazon store credit card credit limit was reduced from {$3000.00} to {$2100.00}. I have never missed a payment, yet Synchrony decided, without my authorization, to look into my full credit report/profile and lower it. 

This was executed without any prior notice or apparent reason. As a responsible cardholder who has never missed a payment, this arbitrary action has had a detrimental impact on my credit rating, and I seek immediate attention to rectify this issue. 

Maintaining a healthy credit score is of utmost importance to me, and I have consistently demonstrated financial responsibility by ensuring all my payments are made in full and on time. Despite my diligent efforts, the sudden reduction of my credit limit has adversely affected my credit utilization ratio, thereby causing an unjustified drop in my credit score. This unwarranted decrease in credit limit not only undermines my financial standing but also hinders my ability to access credit in the future under favorable terms. 

I value my relationship with Synchrony Financial and hope for a prompt and fair resolution to this matter. CFPBs assistance in addressing this issue will not only restore my credit limit but also reaffirm my confidence in your commitment to customer satisfaction.
Product: Mortgage

I have tried to do modification 5 times with this property the 4th time they declined my modification because the signature was not all on the same line. Every time I went to have it notarized I called Mr. Cooper and asked them how to sign it.. They declined my last signature 2nd 2nd to it not being all on the same line. They told me to re apply I am in the process of doing that and every time I submit information they find something wrong with it.. They tell me that it's OK and then A-day or 2 later things are not OK I am struggling with this company this company and I'm very frustrated as to why they are turning everything of in everything around and making it difficult for me to do this process I feel I need some help in dealing with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 20 plus inquiries on my credit report. In which I didn't give anyone permission to pull my credit report. I need Equifax, XXXX, and XXXX to invesitgate with each company. To make sure they have a sign document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # 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 an account without my written instructions
Product: Debt collection

I received no notice until after they took money from my account, if they can do research my bank account then they can research that I am XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purpose of this complaint is to show the intentional act by XXXX XXXX to damage and cause harm to my credit. 

XX/XX/XXXX on Experian, and XXXX XXXX. stop reporting my payments causing my credit score to drop. 

XX/XX/XXXX due to a family emergency i arranged to make monthly payment 30 days late this timeframe was for two months, XXXX. reports XXXX, XXXX, XXXX and XXXX late, the issue is XXXX and XXXX are incorrect they reported 60 day late for XXXX and XXXX needs to be changed to 30 days late. I have my bank statements. 

XX/XX/XXXX to XX/XX/XXXX i struggled with XXXX. to modify my mortgage, they refused payments and passed me to multiple agents. Then start the process over again and again. They placed my home in foreclose and this process allowed them to add additional fees coercion me under duress to accept the unlawful fees in order to keep my home. 

Currently my credit report reflects a very unlawful status and its out of my control. I am asking for your assistance in correction this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy years ago and included a XXXX XXXX XXXXXXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with XXXX and XXXX but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.
Product: Checking or savings account

I contacted US bank customer service on approximately on XXXX of XXXX to inquire about the {$400.00} bonus status. The rep said that the bonus was going to post on Monday ( XXXX ), and that they will also file an investigation about why. 

I got a callback on XXXX from US bank telling me that although I met the {$4000.00} direct deposit amount, they saw that the online banking e-statement requirement wasn't met. However, US bank was having issues when I was signing up for online account at the time, and they assured me that the correct promotion codes would be applied for this promotion and that they will do handle things on their end that the e-statement and the initial deposit requirements would be met. 

I called back again today ( XXXX  ), and was on a phone call for 3 hours with the rep, and the customer service rep today basically made some calls and said that she would transfer me to whoever 's in charge of making this determination, and sent me to a relationship banker ( who in turn told me that they do not handle this type of issues ). Then this relationship banker transferred me again which went to the very start of the customer service number. 

I am highly dissatisfied and disappointed with 1 ) the way U.S. Bank is not following through with their promises/terms ( the representative promising me that the bonus would post on XXXX, and even earlier when I was signing up when they were having website problems on their bankend that all would be handled on their end for this promotion ), and 2 ) the way Customer Service is handling my inquiries and complaints by " passing the buck '' for hours on end. 

I am including the screenshots of the email correspondence of what I have. U.S. bank should have the recordings of all phone calls from me to look into the matter.
Product: Debt collection

Dear CFPB, I am reaching out in desperate measures to bring to light the way my file is being handled. I have an account listed on my credit report that was NOT me. I have been writing the credit bureaus and the company for the last 4 months or so with no avail. I have explained the problem and also included all necessary documentation such as FTC affidavit and the police report. This is extremely time consuming and becoming costly with letters and running to the police station. I am writing this complaint to effect immediate change. 

The following accounts are opened fraudulently. I never give consent or authorize these accounts. I only discovered these accounts upon speaking to the mortgage officer. I never receive any collection notices about these accounts. 

XXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$620.00} Here are the accounts I have been writing about. I did not open these accounts and I did NOT receive any money or services. I did not sign these applications and I am unfortunately suffering for these accounts being on my credit. I requested both the creditors and the credit bureaus to stop reporting this account. The account is still reporting. My request was 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.The fraudulent information is still on my credit report and I bring this to your attention. Please review why the companies are neglecting to remove this information as it is extremely damaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to file bankruptcy in 2013 after losing my home due to the predatory mortgage crisis. 

It has now been 9 years. XXXX removed this off my credit report. I requested to XXXX and they removed this from my credit report within the hour. 

I requested Experian remove this and I disputed it. Experian states this is valid and " it remains. '' I am not disputing the validity. 
I have requested they remove it because it's been 9 years and I am still being penalized with higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX  AND XXXX HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT. THATS INACCURATE/NOT MINE
Product: Credit reporting

In XX/XX/XXXX I checked my FICO score through my XXXX account, which provides this score as part of their services. I was surprised to see, after months of working on improving it, that I suddenly had a " serious delinquency '' on my credit score. I checked my credit reports on XXXX and noticed that Trans Union listed a consumer loan from XXXX XXXX XXXX XXXX that had been paid off in XX/XX/XXXX, as being 120+ days past due. I called the credit union, which told me to dispute it through the credit bureau and that they could n't do anything on their end. I disputed the information on Trans Union and when I checked my score on creditkarma.com it appeared to be resolved. This morning I checked my FICO score on XXXX and noticed it 's at XXXX, yet XXXX has it as XXXX. I thought my dispute had taken care of removing this incorrect information in XXXX. Furthermore, I checked my FICO score on XXXX in XXXX and now they too show this account from the credit union on my credit report, which is causing my score to drop more than XXXX points. I am reaching out to you because I have NEVER had an issue like this with regard to my credit report and am quite frustrated with this situation. I understand that sometimes mistakes are made, but this XXXX is getting worse and is repeating itself.
Product: Debt collection

Currently we have a XXXX Debt to XXXX XXXX XXXX XXXX, and paying bill monthly. Have taken debt from XXXX to {$1000.00} since XXXX 2015. I have not had any indication that my debt had been sold to a third party until today after receiving a hostile phone call from XXXX from XXXX. He said that he was filing a complaint against our credit score for not paying a debt. I told him the amount was wrong, and I have n't received a bill from the new company. He said that did n't matter, I needed to pay immediately. He also said that I had to call the Hospital to get the receipts of my payment. I told him he should have gotten the correct amount and sent me a bill explaining this new process. 

I also know that if we are making payments on Medical Bills, we should not be sent to collections. He was threatening, unprofessional, and could n't even get his point across.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the COVID crises I put several deferments on obligations such as student loans, car loans and credit card debt that subsequently showed up as delinquent on my credit report, thus exacerbating my ability to seek and secure employment. I would like to use get help from the CFPB to assist me with getting the most accurate and updated reflection of my financial history presented. Like many of us, I've faced some challenges due to COVID and would like to have a fair shot with presenting my employment profile.
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 protective consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # No number 15 U.S.C 1681 section 602 a. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it states, a consumer reporting agency, can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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 the records of convictions of crimes, which antidote the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable caused believe that the information is an accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are not mine on my credit report. XXXX states that they have verified the debt but there is not physical evidence that this debt is mine. No signature what so ever. These are fraudulent accounts and and i want them removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires # XXXX XXXX XXXX # 2 XXXX  the XXXX XXXX # premium credit bureaus miscellaneous
Product: Credit reporting or other personal consumer reports

I am writing to issue a final demand for the immediate removal of the inaccurate and invalid collection account from my credit report. Despite multiple previous disputes, the account in question remains on my report, which is unacceptable and in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).
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 itemsI '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 : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of fraudulent activity related to an opened car loan that I did not authorize, I am very concerned about the impact this has had on my financial wellbeing. According to the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I have the right to dispute any fraudulent information on my credit report and seek restitution for any damages caused by the fraud.

Under FCRA section 1681g, I am entitled to receive a copy of my credit report from all three major credit bureaus and review it for accuracy. If I find any inaccuracies, I have the right to dispute them with the credit bureau and the creditor that provided the information. Additionally, under FCRA section 1681e, creditors and credit bureaus have a duty to ensure that the information they report is accurate and up-to-date. In this case, the car loan that was fraudulently opened in my name should not have been reported to the credit bureaus without my consent, and any negative impacts to my credit score resulting from this fraudulent activity should be rectified.

Furthermore, under TILA section 1641, if the creditor sells or assigns the car loan to another party, they are required to notify me in writing of the transfer within 30 days. If the creditor fails to provide this notification, I have the right to rescind the loan for up to three years after the loan is made. Given that I did not authorize the opening of this car loan, it is unlikely that I received the required notification of transfer, which may give me further grounds to challenge the legitimacy of the loan.

As a victim of fraud, I should not be held liable for any debts incurred without my knowledge or consent. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in any abusive, deceptive, or unfair practices in attempting to collect a debt. This includes attempting to collect a debt that is not owed or attempting to collect an inflated amount. If the car loan in question was fraudulently opened and I did not benefit from the proceeds of the loan, I should not be held responsible for repayment of the loan or any associated fees or interest.

In light of these laws and protections, I urge the creditor and any collection agencies involved in this matter to take swift action to rectify this situation. I should have a provisional credit added to my account for the full amount of the fraudulent loan, and any negative impacts to my credit score resulting from this fraudulent activity should be removed. I also request that the creditor and any collection agencies cease all attempts to collect on this debt until the matter is resolved and I am provided with sufficient evidence that the debt is valid and owed by me.

Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution to this issue.
Product: Credit reporting or other personal consumer reports

Several attempts to correct incorrect information on my credit file. 
Submitted documents XX/XX/XXXX to verify LEGAL NAME, date of birth and SSN, sent Certified, return receipt. Not updated. 

Called XX/XX/XXXX, first employee was extremely rude and refused to update information because creditors are reporting wrong names and have to be disputed with each creditor. 

Second call, rep assured me all other names have been removed except my LEGAL NAME OF XXXX XXXX XXXX XXXX They assumed me everything would be updated. 

XX/XX/XXXX review resolved CFPB notice, and XXXX disputes being closed without action. 

XXXX / EQUIFAX still reporting names that DO NOT BELONG to me. 

The credit file is still incorrect after numerous calls and submission of documents. 

XXXX / EQUIFAX is refusing to correct my Legal Name which is the only name I have used for decades. 

This is a direct violation of my rights under the FCRA and numerous US CODES.
Product: Student loan

I don't have specific dates but over the past five to seven years I have asked XXXX XXXX and now Navient to send me a detailed statement that includes the amount of the original loan consolidation , the dates and amounts of my payments over the past ten years and details as to how those payments have been applied to my loan.  I have never received this information.  They always send me a loan total that never changes; over $27, 000 and they refuse to tell me why I have made no progress on reducing the amount of my loan.  Now, as I am inquiring about the Public Service Loan Forgiveness program, they tell me that I have to convert my loan back to a Direct Federal Loan and start my 120 payments (ten years) all over again.  This leaves me feeling hopeless.  The only ray of sunshine; I will XXXX someday and the loan will XXXX  with me.
Product: Credit reporting

I sent a written demand to add a consumer statement per the erroneous XXXX account appearing as a collection on my report. I also called to verify receipt of my written correspondence on XXXX XXXX, 2015, at which time they advised they would add my consumer statement via dictation over the phone that day. I was given XXXX as a confirmation for that request. When calling on XXXX XXXX, 2015 to inquire why I had n't received a copy of my updated credit report reflecting the addition of my consumer statement, Equifax advised that the request was never properly processed. The rep claimed that she spoke to the Specialty Department who would add my consumer statement within XXXX hours, but that her system failed when trying to give me a confirmation number. Said XXXX XXXX who is the ONLY XXXX in Consumer Relations, who claims to have no direct line for contact nor any ID # claims that he can not 'guarantee ' to process my request and follow up with me to confirm that the consumer statement has been added. 
Also, I have made well over XXXX demands to remove the fraud alert, albeit temporary or extended, from my credit report. Equifax has repeatedly claimed that the fraud alert was removed. See attached credit report dated XXXX XXXX, 2015 which displays an 'Extended Fraud Alert ' and conspicuously so.
Product: Checking or savings account

XX/XX/2023, forged endorsement: someone else endorsed a check with my name. $XXXX  chase bank acc thanks