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

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over XXXX XXXX have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the XXXX XXXX it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to CITICARDS CBNA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CITICARDS CBNAs customer service representative.
Product: Mortgage

I am helping my XXXX old mother with her complaint. She lives in XXXX  and occupies the property in question. 

I live in XXXX, not far from XXXX. 

In XX/XX/XXXX my mother closed on her reverse mortgage with XXXX XXXX XXXX. 

M mother was in XXXX XXXX at the time of closing. 

A sum was distributed at closing sufficient to satisfy bankruptcy trustees The trustees subsequently provided a document stating that mother had completed her final payment. 

PHH Reverse Servicing [ XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX says my mother 's mortgage is with their bankruptcy department and, due to bankruptcy law, PHH XXXX XXXX is unable to communicate directly with us or to provide us with any information regarding status or resolution. 

Further, PHH has subsequently filed a proof of claim that appears to be the reason my mother 's bankruptcy attorney can not file papers with the court concluding her bankruptcy. 

The amount of funds in the PHH claim appears to be approximately the same sum paid at settlement to the bankruptcy trustees in XXXX XXXX, a separate sum of {$2000.00} dollars made available to my mother at the time of the XX/XX/XXXX closing. There also appears to be a charge for bankruptcy attorney fees to my mother 's account for {$250.00} on XX/XX/XXXX and again on XX/XX/XXXX. 

Subsequent to the XX/XX/XXXX closing my mother continues to lack access to funds that were supposed to be available following her reverse mortgage closing. 

My mother 's PHH account shows a loan balance of $ XXXX and and an available funds balance of XXXX as of XX/XX/XXXX. 

I need someone in PHH Bankruptcy Department with authorization to contact me so that I can better comprehend the situation from their perspective. 

XXXX or XXXX The files I am attaching PHH already has.
Product: Checking or savings account

Ok, I made a wireless payment on Friday XX/XX/2023 to an investment company and was told by Wells Fargo online banking it was on hold and go to the bank and show ID and yourself. At that time they froze my account access and even my debits to XXXX. The entire weekend. 
I drove down to Wells Fargo and spoke with XXXX the manager and here is what happened. : ] The manager got the wireless transfer people on the phone after she put her other appointments on hold. They told her and i they would give me an cal me and give me an answer whether they would approve it or not in 2 days. Well they did not call so I called them on the XX/XX/XXXX, 2 days later and I asked Wells Fargo wireless transfer division if they had an answer about my wire transfer being approved. Their answer was they told me to go with an Id and see a branch manager. I had told them that I already did that and they said that was a final word to me. Do it ... What a joke..since then they have shut down my online access agian as a punishment for me not bowing to the al mighty Wells Fargo kings and queens. Sorry, i WILL FIRE THEM FIRST!!!! 
Wells Fargo disclaimers and terms and conditions does not make them my XXXX. 
They have no business telling me or anyone else where and when and how we spend our money. This is not what the Constitution of the United States of America says. 
So to date they have not called or did anything with this so I cancelled the wire transfer. 
That means us Veterans can not do it but XXXX customers can send wireless transfers all day to XXXX XXXX ( and other parts of the world ) in the billions a year but me as a citizen in good standing in this country can not within country.????
Product: Debt collection

The Consumer Financial Protection Bureau today released a final rule XXXX XXXX banning medical bills on credit reports and prohibiting lenders from using medical information in lending decisions.
Product: Credit card or prepaid card

I cancelled my service with XXXX in XXXX. They responded that they received my request. I then received a message from someone from their customer service that I need to call them with my PIN number in order to cancel. I don't know anything about a PIN and I let the customer service person know that I have already ported my number to a different company and they are to cancel my account immediately. They keep refusing to do so. I have on multiple occasions contacted American Express to let them know to reverse any charges since XXXX and to not allow XXXX to charge my credit card ever again. They said they would do it, but then they re-charge my card because they say the merchant told them I never provided the PIN to cancel the account and then they also keep allowing new charges. I just completed a dispute with them again today, but they seem reluctant to say they will no longer allow charges from this merchant. I am commission only at my job and I don't have time to spend trying to resolve this issue over and over again. If someone could help me get it resolved, I would sure appreciate it.
Product: Money transfer, virtual currency, or money service

I got a new phone and have no way to authenticate and get signed in to my Venmo account. I have contacted Venmo countless times via email per their online instructions, but I have heard nothing back.
Product: Student loan

Loan start date : XX/XX/XXXX for {$10000.00}. Co-signed with grandparent who passed away in XXXX. 
Current loan amount : {$11000.00} - XXXX Payments made : - {$11000.00} I had a Sallie Mae private Sallie Mae loan in XXXX which was sold to Navient. I have been paying my loan consistently over the past 14 years. I believe because my school was a For-profit school in XXXX my account has slipped under the radar of the Navient issues. 

I still over more than the original amount of the loan. Multiple times calling Navient in XXXX they coerced me into putting my loan into Forbearance by paying a " Fee '' amount not explaining the issues with the interest or educating me on how this worked. They used " unfair and deceptive servicing practices '' and even asked me when I was " delinquent '' to pay certain amount to bring the account current. They also made me pay to put my account in forbearance when I was in school again. 

My co-singer who died in XXXX was never release from the account & her son was berated by Sallie Mae to pay, even though we called multiple times to et her removed. 

I have called Navient and they will not give me the call history and told me I need a lawyer to do so- this is my private info and should be accesible to me. I also asked for the " $ total amount of payments '' I've made and they do not have that data. They said would they would need to " manually calculate '' the total themselves and do not keep a record of your total payments. This is concerning as this means there is not total record of how much money I have paid over the past 14 years. 

I did the math and it looks like to me I have made over {$11000.00} in payments. Which would imply I should be almost done paying off this loan. 

Other issues include : - No official statements accessible from the website only " XXXX '' spreadsheets you can export. This conceals the true payment total and total of interest etc. It also conceals the real interest allocations and how payments are allocated for historical payment. Banks like XXXX etc have this on their site so you can easily understand. This is a dark pattern to confuse people from looking at their loan history. 
- They ask for your social security number over the phone and record these calls. This is a security issues and means my social security number is in stored in call recording I don't have access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously wrote you to Equifax to verify the bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 

It is quite clear that someone from Equifax lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. My credit attorney thinks I should file a case, but I just want it removed from my report. I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX XXXX, Reference # : XXXX Please respond to me in writing once this removal has been completed. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

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

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

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


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


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

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

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

I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate.

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate.

As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate marks on my credit report that I have attempted to correct several times. 

I have asked for verification of the validity of these accounts months ago, Equifax especially, only temporarily removes the account and then puts it right back in 30 days. 

Accounts that are not valid : - XXXX XXXX - XXXX - XX/XX/XXXX - {$95.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX *Note* - XXXX XXXX XXXX claims that I made 100 % of my payments, yet they display 5 negative remarks, and also they are claiming " negative marks '' on dates after the account was already closed ... this obviously is not my account, nor verifiable. 

Inquiries Not Valid : - XXXX  XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX - XXXX  XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

I happened to look at my XXXX XXXX  app and noticed the debt collection. Which is {$590.00}. the account or creditor is Franklin Service Inc. it says it was opened on XX/XX/XXXX. Also says last reported XX/XX/XXXX. I have no idea or anything about this " debt ''. I know it's wrong and not right. Franklin Service Inc is the company that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sounds like This was my last paycheck maybe. Has to be because I no longer work for them and I don't owe.
Product: Credit card

Discover Financial Service abruptly closed my account after 8 plus years without any satisfactory reason or the requested documentation. Discover continues to sent unsigned computer generated responses with no living person to converse with or direct my inquiries. They are required by law to supply the consumer with the information that has been requested.
Product: Credit reporting or other personal consumer reports

Months ago I finally did my homework on what was ruining my credit score. My ex wife used my personal information to apply & used credit cards without my consent. She used her phone number & email address so I couldn't receive notification. If there's no justice in that, why bother being innocent. Even the police don't seem to care. Take initiative that I'm looking for a better future & these criminals need to be hold accountable. 

Blessings ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$220.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had scheduled a time for XXXX XXXX to come and do the installation however, their technician was a no-show. I immediately contacted customer service with XXXX XXXX and told them that their technician never bothered to show up and never communicated with me why he was a no-show. I cancelled my service and I was told by the representative at XXXX XXXX since their technician failed to show up for his appointment that cancelling would not result in my owing any money on this account and that this account was in fact closed. I did not know that XXXX XXXX had sent me to collections until I obtained a copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - XXXX  : XXXX  XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information.

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous.

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX , XXXX XXXX XXXX
Product: Debt collection

I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian today XX/XX/XXXX because I received an email stating there was an update to my file. I explained to the Representative that a tradeline had been inaccurately deleted from my by them per the representative I spoke with 3 weeks ago. The first Representative today told me my creditor had the account deleted on XX/XX/XXXX after I stated that is false information because I spoke with the creditor who stated they received a Block notification from Experian on XX/XX/XXXX. The Representative then stated it was deleted due to the address the creditor was reporting that was reported as a fraudulent address which again was incorrect because I verified the address my creditor was and is reporting. The representative then stated my creditor is reporting the trade line but they are reporting it with an old address, I then asked why is it not showing on my credit report if it is reporting, he then stated my creditor needed to call and speak to their Experian Rep at XXXX. I asked to speak to a Supervisor or Manager and was put on hold for 50 min until I stated I could hear all the representatives in the background and his call time was increasing, so it would look better if he just hung up on me and he did. When I called back and got the next representative she again stated my creditor was having my credit blocked and I explained to her I spoke to the creditor again on XX/XX/XXXX who told me they sent the proof via email to them that they sent the block notification and the sent the reinsertion form to have the trade line put back on. I asked to speak to a supervisor or manager and was told they will tell you the same thing to send a reinsertion form. I asked again to speak to the manager or supervisor and was told to hold I would be transferred to him and I was sent to the voice mail of XXXX XXXX because he did not answer the phone. I sent my letter stating the accounts were not fraud as I was instructed by the first representative 3 weeks ago and the creditor has sent a reinsertion form with proof of their mistake to them.
Product: Debt collection

I had being charged an amount of {$14000.00} which does not belongs to me. This service was provided to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX transferred this information to a collection agency ( Gulf Coast Collection BU ) here in XXXX, Florida. The collection agency contact information is XXXX ( XXXX ) XXXX, and the account was reported on XX/XX/2023. I also contacted XXXX XXXX XXXX, letting them know about this, and they said they will resolved this issue, but nothing happened. This debt is still reflected in my credit report. I think that this is a fraud committed by XXXX XXXX XXXX, here in XXXX, Florida I would like to resolve this issue as soon as possible. 
Thanks
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 a Credit Card was opened in my name that I didn't apply for or have possession of. I have since then disputed the account and put a credit freeze on my Experian. On XX/XX/XXXX I got a letter from a XXXX XXXX XXXX XXXX 's for a late Rental Charge. The name on the letter is XXXX XXXX who I have found online is using my name and birthday because she has my name listed as a Aka. The creditor is XXXX I have not been able to contact because they are only by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters on XX/XX/2020, to Equifax and XXXX  disputing the inaccurate and incomplete items that they are reporting on my credit.I haven't receive anything from them as of yet and I have attached copies of the letters below.