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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an
original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$170.00} - Collection
Product: Credit reporting or other personal consumer reports

I have submitted disputes with Experian about things on my Credit report. They have failed to do a full and proper investigation and have made a decision that the information was verified and accurate after 24 hours of disputing the collections on my credit report
Product: Mortgage

In XXXX XXXX I was approved for a 3 month trial modification on my mortgage. I completed ed my trial successfully and now my mortgage is 7 months in. Since my monthly payment was 50 % of my current income I had applied for a monthly mortgage reduction in XXXX XXXX and was granted starting on XXXX XXXX. XXXX. When I went to make my XXXX payment online thru there website the option was not available. I was told there site would be down approx. XXXX3 weeks, so they suggested to make the payment by phone. When I called the representative they had the old payment and not the new payment updated. They said they could not find the new notarized modification I mailed backed to them last month. Today I had it scanned and emailed this to them and they still are demanding I make the old monthly payment. I currently have XXXX neighborhood housing in MD trying to help with this but they are not getting anywhere with them. I have made XXXX on time payments and I do not want to go into default. I do n't know if this is a game there playing.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX and list of Inquiries 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 inaccurat
Product: Debt collection

This debt does not belong to me. Please, remove this debt from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked at the response the PNC Bank have submitted to the CFPB on XX/XX/XXXX. They still didn't provide viable proof and fail to comply with law. There are a couple of things, First, I have never contacted PNC Bank representative XXXX XXXX through the email they have mentioned in the letter in response to the Case Number XXXX. That email does not belong to me and my email address is XXXX. Secondly, I never had any deposit account with XXXX XXXX I believe PNC Bank should verify with XXXX XXXX  directly. I have also sent an email XXXX XXXX ( PNC Bank Representative ) regarding this on XX/XX/XXXX but she never responded back. I am requesting again to ask PNC Bank to correct their record and delete this account from my credit profile ASAP as this issue has been going on since XX/XX/XXXX.
Product: Student loan

I am a loan borrower on track to have my loans forgiven under PSLF. As encouraged by the federal government, I submitted a request to have my Income-Based Repayment plan moved to the REPAYE ( prior to SAVE ) payment plan on XX/XX/2023, but heard back from Mohela via email on XX/XX/2023, that moving to REPAYE plan would increase my monthly payments, so they took no action. I resubmitted a request to have my payment plan moved to SAVE on XX/XX/2023, but have now received a notice from Mohela on XX/XX/2023, that my account has been placed on administrative forbearance until XX/XX/2023, while they process the request. This will add two additional months ( with interest accruing ) until I am eligible to receive PSLF, because while I currently have 105 eligible payments, the forbearance will now eliminate three would-be eligible payments I would have made in XX/XX/2023, XX/XX/2023, and XX/XX/2023, that would have counted towards PSLF, thereby achieving 120 payments sooner. I have followed all instructions and abided by all deadlines, and do not feel I should be penalized because Mohela is not able to process the traffic of payments and requests at this time. Attempting to call Mohela several times, I have been on hold for countless hours with no reply. There is absolutely no accountability for what, as far as we know, could be an intentional delay to increase my interest and overall payout that Mohela will receive when I finally qualify for PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX  XXXX ) I have sent 4 challenge letters to XXXX  , experian , and XXXX  . Each time they say that the account has been verified ... How can they verify that this account is reporting 100 % accurate if they are all reporting different information? they have not conducted full and proper investigations is the answer ... .I am attaching a copy of my report so that you can see all of the inaccuracies in the reporting ... first off the account # includes the letter L which in reading is a metro 2 violation. XXXX  is not reporting terms and the other 2 are. account status are different, high credit is different, the comments are way different ... 2 of the bureaus do not even have the comment that it is in dispute which is a clear violation. date of last active are all different, date of last payment are all different and the 2 year payment history is totally different ... XXXX  is reporting ok, experian is reporting a new charge off every month which is killing my score and XXXX  is reporting nothing
Product: Bank account or service

I had XXXX checkings and XXXX saving account with XXXX Bank before and now they merged into East West Bank. XXXX of my accounts has been charged service fee every month after they merged into East West Bank without any notice. I called the bank but they refused to credit me back the service fee and they were saying that I supposed to maintain {$2500.00} on each account. I told them that I did not receive any communication about these charges and I have been with the bank since XX/XX/1994 and never have this issue before. I ended up have to closed out all my accounts and only get two months refund back which is a very unpleasant experience.
Product: Mortgage

I am a XXXX trying to stay in my home. I am in active foreclosure and filed for bankruptcy. I am waiting a reply for results of a RFI my attorney sent to Wells Fargo for the foreclosure which asks for an explanation as to why Wells Fargo can not provide an account for the history of my mortgage during XX/XX/XXXX-XX/XX/XXXX. I have sent QWR 's 2 years ago, in an attempt to get an explanation for servicing issues discovered in my mortgage and the loan balance was due to pay down in 18 - 24 years as stated to us during the mortgage application process with the bank process XX/XX/XXXX. As of XX/XX/XXXX foreclosure process the mortgage balance was not on course for this to happen. A recent reply from Wells Fargo to my attorney 's RFI, during our now pending bankruptcy process, states that mortgage information for the time frame XX/XX/XXXX-XX/XX/XXXX was not obtainable. I need Wells Fargo to provide me with an amortization schedule from the beginning my loan XX/XX/XXXX to present in order for the amount owed to be verified. I paid many years of double payments. Wells Fargo replied ; they lost 4 years of history but they claim the amount owed can be verified. During the foreclosure process they perjured themselves when they claimed the mortgage amount owed had been verified and have sworn to this fact. They told the courts they have all my records. How can they have verified this amount due as true if a 4 year history is not present to do so. Also during the course of this time frame many extra principle payments were made in order to pay down the mortgage sooner which need to verified as well. See attached QWR replied from Wells Fargo and recent RFI reply as well.
Product: Checking or savings account

My checking account and savings account were drained on XX/XX/2023 by 6 different atm transactions. 4 transactions on checking account. 
2 at {$400.00} 1 at {$200.00} 1 at {$100.00} Using 2 different atms 2 transactions on my savings account. 
1 at XXXX 1 at XXXX Using 2 different atms At the same time I was aware of the withdrawals, I found through email that a new card had been requested 1 day prior, which I did not request. I called the bank immediately to report the card request and the fraudulent withdrawals. I did not make any of these withdrawals nor did I give my card or pin to anyone. 
The bank has decided that since my pin was used at the atm that the withdrawals were not fraudulent. They said I probably gave my card to someone to do this which is completely offensive. I am a single mother of XXXX and now I can not pay my bills. The bank has refused to reopen the claim and said there is nothing they can or will do. This is with Chase Bank. I waited 12 days after making the claim just to be accused of being the one who is fraudulent and to be told they will not help me.
Product: Debt collection

There are incorrect information on my credit reports ( from XXXX, XXXX, XXXX ). I did not have any account or business with XXXX XXXX XXXX, XXXX XXXX XXXX  or its affiliated companies. I do not know why there is a charge of {$4600.00} from these companies on my credit reports.
Product: Debt collection

This debt was applied to my credit within the last year ( XXXX ) The date they state I was there was in KY, was the winter of XXXX. My XXXX son was seen as a patient and they did not apply our insurance to the balance. This hospital has been shut down, filed bankruptcy and had allegations of falsifying accounts and charges. I asked for proof of the charges, nothing was sent to my address. Email or any form of contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following identity theft report no. XXXX identifies the incorrect accounts. I did not consent to, authorize nor benefit from any of the following accounts. I am demanding that the following accounts be removed. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact thereof exist. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter on the XXXX of XXXX in relationship to a second mortgage that was discharged in Bankruptcy. The Bankruptcy was discharged XX/XX/XXXX of 2015 and while the letter indicated that the debt may no longer be owed in the event of a bankruptcy it is still a demand for payment regardless of the legal language. 
I reached out to the company numerous times on the XXXX to avoid having to file a formal complaint but I couldn't get any one on the line. I spoke with a XXXX along with other reps who did their best to help but the file was with the Bankruptcy department indicating to me that they where aware that a bankruptcy was filed and and discharged which would make this a breach of of section 524 title 11 of the bankruptcy code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. 

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
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and there are inaccuracies in the reports. There are accounts marked as 30 Days Late and I have never been late with any payments. I have always made on time payments on my accounts, I have never been late. Consumer reporting agencies are required by law to report accurate information. The law is being broken and my consumer rights are being violated. I am requesting a thorough investigation of these discrepancies with documented written evidence to prove these late payment accusations that legally support these consumer reporting agencies inaccurate claims. 

Please provide my original creditors financial statements with payment history logs of my accounts showing these late payments with the exact dates, and dollar amounts of the actual missed payments and when these late payments were actually received, as well as provide me with a written transcript of the recorded phone call conversations with the time, date and staff persons names of when these late payment discrepancies were reported to these consumer reporting agencies from the original creditors. 

The accounts in discrepancy is as follows : XXXX XXXX Services Account # XXXX Inaccurately Reporting as 30 days late for XX/XX/year> & Inaccurately Reporting as 30 Days Late for XX/XX/year> Rocket Mortgage Account # XXXX Inaccurately Reporting as 30 Days Late for XX/XX/year> I have attached a copy of my passport, notarized affidavit of identity, screenshots of the credit reports showing the accounts and the negative 30 day late reports. 

If you are unable to furnish the requested proof, I demand an immediate update of my payments to reflect the true on time paid as agreed/ never late status, as I have never been late on a payment. I have consistently upheld my payment obligations without delay. As I appreciate your prompt attention and action on this matter.
Product: Credit card or prepaid card

On XX/XX/2020 at approx XXXX EST, I received a call from a man who claimed he was working with a XXXX XXXX XXXX to help lower my credit rate. When I declined, he then threatened to close out the credit cards I have with Capital One. When I asked how he is authorized to do that he read off my social security number. When I repeated again that I am not authorizing him to close my accounts, he got hostile and I asked to speak to his manager. At this time he hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent disputes for something that has adversely affected my credit. A XXXX XXXX  ( 2nd time they gave a credit card in my name out without my actual authorization, in XXXX credit card. I called XXXX and they said it was XXXX Bank again. I did not ever authorize this. I only have 1 credit card and have never been late on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today   XXXX   XXXX   XXXX  ,  XXXX  shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of   XXXX   XXXX   XXXX  .     I have received no bills, and have no idea what this is for. I have confirmed with the   XXXX   XXXX   XXXX   at  XXXX  that I owe no balance to them. That all charges that would appear as   XXXX   XXXX   have been paid and no balance outstanding since   XXXX
Product: Credit reporting or other personal consumer reports

I am respectfully seeking aid from the CFPB to kindly assist me in the REMOVING THIS FRAUDULENT INQUIRY FROM MY CREDIT REPORT. This was my complaint after my update earlier in my Experian credit report regarding the mentioned issue. Please assist me in making sure that the Experian will finish removing this FRAUDULENT INQUIRY. Once again, this is the specific fraudulent inquiry in the specific bureau to be removed : EXPERIAN : XXXX XXXX, XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name and Number : XXXX XXXX XXXX XXXX # XXXX account has been paid in full, a balnce is still appearing on my credit report. Vehicle has been paid off since XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am disputing this account for the following reasons : 1. Accuracy of the Reporting : The account is listed as a collection account with a balance of {$1100.00} past due as of XX/XX/year>. However, I do not have sufficient documentation supporting this amount or its validity. 
2. Fair Credit Reporting Act ( FCRA ) Violations : The reporting does not reflect complete and accurate information as required under Section 609 and 611 of the FCRA. Specifically : The date of first delinquency is unclear.

It is not evident that this account has been verified in accordance with the law. 
3. Consumer Dispute Notice : While the report indicates that this account is " disputed by consumer, '' XXXX has yet to provide me with evidence of proper investigation or validation of this debt. 
4. Removal Timeline : The estimated removal date is listed as XX/XX/year>. However, it is unclear how this timeline was determined, and it may not comply with applicable regulations regarding credit reporting timeframes. 
As required by the FCRA, I am requesting that you conduct a full investigation into this matter and verify the accuracy and completeness of this account. If LVNV Funding LLC can not provide verifiable proof of the debt, I respectfully request that the account be deleted from my credit file immediately. 
Please respond to this dispute in writing within the timeframe mandated by law.
Product: Vehicle loan or lease

Santander charged the account off but increased the balance 2x since it was charged off. Also, they charged me 2or 3x the amount the car was worth.
Product: Checking or savings account

Because I no longer have access to my old phone number and my email account XXXX  money won't let me change the phone number and email address so I can access the app and check out my transactions and you know everything that goes wrong with having a bank
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I was informed by my credit monitoring company that my credit score decreased because of a new credit inquiry. I had not requested a credit check for any financial products or services. I checked my credit report and found a new credit inquiry from the following : PAYPAL via SYNCBPAYPAL XXXX XXXX  XXXX XXXX, MD XXXX ( XXXX ) XXXX I have never requested credit from paypal and definitely I did not authorize this credit check. 

On XX/XX/2020 I mailed a letter to XXXX ( who reported the credit inquiry ) and included a copy of my credit report with the transaction highlighted. 

On XX/XX/20 I received a letter back from XXXX saying " After reviewing your dispute request, we found the information you disputed does not currently appear on your XXXX credit report ''. 

I checked my credit report again today XX/XX/20 and saw that the credit inquiry is still on my report. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

First Blakely Witt and Associates are reporting a collection account on my report. I NEVER received any documents from them before the debt was placed on my report. In addition the debt was reporting at an absurd amount of {$20000.00}. XXXX. I started requesting info regarding the debt from the bureaus which was unsuccessful. I was told the debt was verified. Which I knew that was not correct. I never did anything to receive a debt from an apt for that amount. After disputing through them an asking for validation. The debt was significantly dropped to {$6400.00}. However they keep failing to provide documents on how this amount was calculated. They should not be allowed to keep reporting inaccurate info on my report without providing proof.
Product: Debt collection

I am disputing an account listed on my credit report that I believe is fraudulent and does not belong to me. 

- **Account Name : ** XXXX XXXX - XXXX : ** {$6900.00} - **Account Number : ** XXXX - **Status : ** Negative - **Original Creditor : ** XXXX XXXX XXXX - **Creditor Type : ** Collection services - **High Balance : ** {$6800.00} - **Open Date : ** XX/XX/2024 - **Last Reported Date : ** XX/XX/2024 On XX/XX/2024, I noticed this account on my credit report. I have never had any dealings with the original creditor, XXXX XXXX XXXX, nor have I entered into any contract with XXXX XXXX or any debt collector associated with this debt. I believe this account has been mistakenly or fraudulently attributed to me.
Product: Debt collection

THIS DEBT COLLECTION COMPANY REPORTED AN ACCOUNT TO MY CREDIT REPORT THAT WAS DISCHARGED ON MY BANKRUPTCY YEARS AGO. IT WAS REPORTED ON XXXX/XXXX/2016 ON MY XXXX AND XXXX BUT REMOVED ON MY XXXX ONLY. THEY ARE ATTEMPTING TO COLLECT A DEBT BY REPORTING THIS TO MY CREDIT. I HAVE NOT RECEIVED ANY NOTICES TO INFORM ME OF MY RIGHTS AS A CONSUMER. IF THIS IS NOT RESOLVED I WILL RETAIN AN ATTORNEY AND FILE SUIT.
Product: Checking or savings account

While on vacation in XXXX and returning back, my fianc ( XXXX XXXX ) and I noticed two charges at XXXX XXXX using his debit card but we were not even in town to make any local purchases. Once we landed from the airport, I contacted my bank and which they told me they would investigate at the time the charges were still pending, but were used on the debit card I had in hand ( not missing ).

We later received a letter, no other contact by phone, email or even on the Wells Fargo App. The letter said based on the information available to them, they found the transactions were authorized and not processed an error, and they were closing the claim. I immediately contacted Wells Fargo back to tell them these in fact were not authorized charges, that as mentioned when I processed the claim we were not even in town to purchase in store purchases at XXXX XXXX in XXXX XXXX, which is where the charges took place. We immediately asked for the debit card to be closed ( even though we had it in hand ). The supervisor that I finally got on the phone told me that there was nothing further they could do for me, so I asked them to send me documentation of this authorization. The supervisor agreed but told me it would be 30 days and there was no way of expediting. The proof to me is Flabbergasting considering I contacted them immediately when this fraud took place and no actions were taken. The charges went through on XX/XX/XXXX and XX/XX/XXXX of 2024 and I am still waiting on proof and it is now XX/XX/XXXX. 
On XX/XX/XXXX {$500.00} was charged and on XX/XX/XXXX {$530.00}