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

I would like to dispute the following negative accounts on my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX Account Number : XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$14000.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$8800.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX TransUnion : XXXX XXXX  Account Number : XXXX {$2000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and transunion didn't investigate the fraud reporting on my credit report. I submitted a dispute for all negative accounts reporting on my credit report to be removed. Two days later was notified the disputes would not be removed off my credit report. As the data breaches have happened, those accounts do not belong to me. I want them removed from my credit report. It is effecting my ability with credit and financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was about to move across country when my XXXX broke. I went online to buy another one, and was offered a payment plan by Apple. I accepted the offer and used my current email address on the application. My XXXX arrived, I moved across country and went about my life. Unfortunately, Apple was sending billing statements to the old email account that was used to originally setup my apple account, instead of the new email I used on the credit app, and I never received a bill. It took a few mohths before I finally realized that I had not recieved a bill, so I called apple and paid the entire account in full. I asked the agent on the phone if everything was taken care of, or if I needed to do anything further, and she assured me all was good and this would not affect my credit. 

Months later, even though I had not recieved any bills to my email or phyiscal mailing address, there was a 30 and 60 day late notice on my credit report from Apple. When I called to find out why, apparently there was an interest charge of around XXXX cents that did not get paid off when I had called to pay off the account previously. I paid the XXXX cents and closed the account. Now apple refuses to remove those late transactions from my credit report because my account is closed.
Product: Money transfer, virtual currency, or money service

In light of the recent lawsuit against Zelle, Im writing to express my concerns regarding Zelles mishandling of disputes and the significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They said recovering lost funds would be impossible. The CFPB findings indicate that Zelle has neglected to protect consumers and have allowed repeated offenders to scam others and exploit the system. This is unjust and a mistreatment of hard working consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XX/XX/XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting a charge-off on my account with XXXX XXXX XXXX XXXX I have contacted Experian as well as my bank and even have documentation that it is fraudulent but they still wont remove it.
Product: Debt collection

Saturday, XX/XX/2020 Received call at XXXX XXXX. From XXXX at Comenity Bank Saturday XX/XX/2020 Received call at XXXX XXXX  Told both callers the time I was in and they appeared to not care. Told them I would report if they did not stop calling at the early time.

These charges are fraudulent. I had paid the bill while the bank conveniently lost the check. I called and informed I would have a new check issued and that a stop payment would be placed on the initial check. Then once the initial check had a stop payment and a new check was issued Comenity found the check. They then applied the amount on the account. The second check was received after the statement date closed ; thus implying a late  charge. The account in question is completely based on fees and late charges from those fees. They should be removed and reported correctly to the credit bureau as creditor error NOT my error.
Product: Mortgage

l was turned down on a loan modification, l have a permanent XXXX. The mortgage needs to be modified because of the fire insurance has gone from $ XXXX a year to {$6900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX account that doesn't belong to me account number ending in. XXXX and I received a letter from XXXX on my current account for fraud investigation. Experian investigated the wrong account.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXXXX/XX/XXXXXXXX
Product: Mortgage

We reached out to Roundpoint Mortgage Servicing LLC ( XXXX XXXX XXXX XXXX, NC XXXX ) with three email attempts ( XXXX XXXX, XXXX. XXXX, and XXXX. XXXX ) using their email XXXX to request to remove our Private Mortgage Insurance ( PMI ) since we just reached the threshold loan-to-value ratio of less than or equal to 78 %. ( Please see Exhibits 1-3 in the attachment. ) We did not hear anything from them and we are still waiting for a reply on these emails. 

On XX/XX/XXXX, we called their phone number XXXX to speak to a representative of the company. Unfortunately, we did not reach any resolution from our request to remove our PMI in our mortgage. Our full experience of the call is memorialized through our review of the company ( see Exhibit 4 attachment ) in the XXXX  website ( see full website listed below ). The company representative, without any warning, immediately hang up before we can resolve the issue. We are still awaiting for a proper resolution of our request to remove the PMI in our mortgage as of this writing. 

XXXX XXXX XXXX
Product: Mortgage

I received at statement from FCI Lender requesting a payment. I contacted my mortgage company to see if they sold my mortgage and I was informed no and not to send payments to this company because it's a scam. I requested a debt validation of debt and upon receipt of documents from FCI Lender Services the information on their documents is invalid/incorrect, document has been white out/covered with missing information, all signatures are different. I contacted my local tax assessors for a copy of deed. The information on original deed does not match what was sent to me as debt validation from FCI Lender Services.
Product: Student loan

To Whom It May Concern : I am formally submitting my complaints to Navient about my Plus loan service. 
The following is my account history. 

1. There were four Plus loans in four years, starting in the year XX/XX/XXXX to the yearXX/XX/XXXX. 
2. Starting from the year XX/XX/XXXX, I consolidated the loans every year. So there were 3 consolidation. It became a big loan after 4 years because the consolidations. 
3. I started paying back the loan in the year XX/XX/XXXX, even during the years of loan consolidation. 
4. After XX/XX/XXXX, I had forbearance for the next three years. 
5. I started paying the loan after the forbearance until recently when I started to audit this loan account and put this account in dispute. 
The big issue I have is after paying the loan for 16 years, not including the forbearance period, I currently still owe more money than all the money I borrowed. This caused me to put my attention to the details of this account. I requested Navient to provide me with all the original loan and consolidation documents, complete payment history, and the answers to the following questions : 1. I believed I started to submit my payments in the year XX/XX/XXXX. However, I did not see any payment record before the year XX/XX/XXXX. Could you please provide those missing records? 
2. When I first applied the Plus loan, I was told the complete payback time was 10 years. I did not see anything like that mentioned on the promissory notes. 
Could you point out on the notes that stated otherwise? How was my Plus loan scheduled for repayment? 
3. I submitted the payment every month for 16 years. For each payment, what was the percentage allocated to principle and what was the percentage allocated to interest? Where were these percentage specified on the note details? 
4. Navient stated this loan was a simple interest loan that was compound daily. Could you please point out where on the notes I signed indicated this type of interest compounding method? 
5. I also requested a copy of each promissory note that is COMPLETE and CLEAR so I can read the details of the promissory note. However, they were not provided. 

After more than three months, Navient still has not provided answers to any of the above questions I asked. My investigation and audit of my Plus loan account could not continue. 
This is the reason I submit my complaints to you and sincerely hope you can step in to help my investigation and audit of the account. 

Another thing I noticed interesting is that, during the three-year period of forbearance, no one told me I could pay back the loan using something like income-based payment plan. 
In those three years, my spouse still worked. I could have benefited from this type of payment plan.
Product: Student loan

Earlier this spring, I got a notification email that my student loan payment was past due. This was confusing, because the Covid forbearance has been in effect for several years and no payments are due. I called a few months ago and was told that this was some sort of issue with add service financials, transferring of their own website or payment platform and it would resolve itself. 

For the next few months, I continued to get emails that a payment was due. XXXX month, I simply made the payment. Then I realized that it continued to tell me that I had a past due payment each month that I didnt pay. 

I called today and was informed that when the company did this transfer on their website, the forbearance marker on my account fell off and I was designated as in repayment. I asked if this was a mistake. I was told that no, it wasnt a mistake, its just something that happened. He changed the designation on my account. I said that it sounded like a mistake or a deceptive practice. They told me it wasnt a deceptive practice and it was a known issue. I asked, if it was a known issue then why wasnt I informed? The customer service agent refused to answer that question. I told him I would make a complaint to the DoE and he rushed off the phones and told me to stay on the line for a one question survey. I waited for another XXXX minutes, and was never sent to the survey to register my dissatisfaction with my engagement. 

I am a pretty informed student loan borrower who has the resources to pay and to spend XXXX minutes on the phone with Ed Services financial. I am submitting this complaint so the CFPB is aware that they are engaging in these deceptive practices on behalf of people who dont have the awareness or time to deal with this loan service provider.
Product: Credit card or prepaid card

I have a problem with a purchase from 2013, and I need proof of purchase. I can not find my statements from 2013, and BOA did not have the reports for 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I try to register on CreditKarma I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on Annual Credit Report. com and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite Radio/NetFlix/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks
Product: Credit reporting or other personal consumer reports

NOTICE TOAGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT I am writing to formally dispute the information you have reported on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration proceedings provided by ADR.ORG.

I am fully aware of the financial implications associated with initiating arbitration proceedings, I am offering you a one-time opportunity to settle. You can compensate me with {$6000.00} for the mental distress, anxiety, emotional distress, and financial hardship this inaccurate reporting has caused me. Additionally, you must delete the disputed trade-in from all reporting agencies.

Here is a breakdown of the costs you will incur if this matter proceeds to arbitration : - Filing fee for both parties- Arbitration initiation fee- Arbitration deposit - Legal costs incurred throughout the arbitration process According to ADR.org, these costs will be covered by you, and they can amount to tens of thousands of dollars. Therefore, it is in your best interest to settle this dispute amicably.

I also demand that you cease and desist all illegal activities related to this matter, including any form of communication other than through mail. As per 15 USC 1692c ( c ), you are prohibited from contacting me via any other means once you receive this notice. This statute states : " 15 USC 1692c ( c ) - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. '' Please respond to this letter within 15 days to confirm the removal of the disputed trade line and your agreement to compensate me for the damages incurred. Failure to respond will result in the initiation of arbitration proceedings, which will be significantly more costly for your company.

Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX rewards member and my personal information was involved in their data breach. Someone with a similar name used my social to get a car loan with XXXX XXXX XXXX. 
This account is fraudulent and I have contacted XXXX and supplied the necessary documents and they worked out a settlement over it and the balance was brought to {$0.00}. However the item and inquiry are still reporting on my credit in a negative manor. 
I also filed a report the FTC : XXXX. 
I have attached a copy of the ID Theft report and my social for verification.
Product: Consumer Loan

The payment amount on my loan with BMW Financial Services should be lower. At time of purchase the sales manager at the dealership, XXXX, stated it would show XXXX down but I was actually putting down XXXX. He also stated to give him the XXXX difference in cash and that the dealership makes enough, he needs the money for himself. Needless to say, I did not give him the money, it was supposed to go towards the loan. Numerous complaints have been filed against dealership, as well as against BMW Financial Services. I understand they can not or will not lower payment amount by restructuring the deal, however, the account is now over 30 day past due and an extension will help me as well as remedy the matter. I did request an extension before and was told no, the account needs 6 months of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a XXXX, and I would claim this as income on my tax returns. XXXX verified they canceled the account, but is still reporting this account as late each and every month since 2012 even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am 90+ days late EVERY month. This needs to be fixed. I have attached the proof.
Product: Checking or savings account

I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used my debit card was at XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish XXXX shopping. Thanks
Product: Credit card or prepaid card

I am trying to have a late payment removed from my credit report.
Product: Credit reporting or other personal consumer reports

I dont recognize XXXX XXXX nor have I ever even applied to this company. I would like this removed asap.
Product: Debt collection

Hi im dealing with identity theft as im written this complaint I need this debt verified. With National. Credit Adjust. In XXXX KS. For XXXX plus. Im on social security and folks are.crimes and getting away with if i owe them i need to see the promissary
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX Equifax