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

I pen this letter with a sense of escalating frustration and disappointment due to the ongoing failure to address and remove fraudulent items from my credit report. Despite numerous and exhaustive attempts to rectify this egregious situation, the persistent presence of these inaccuracies is not only unacceptable but is wreaking havoc on my financial well-being. 

This ordeal commenced and since then, I have engaged in a relentless battle to correct these fraudulent entries. I have submitted an alarming number of dispute requests, accompanied by detailed documentation and explanations to support my claims. Shockingly, these efforts have proven fruitless, as the fraudulent items continue to cast a dark shadow over my credit history. 

The gravity of this situation can not be overstated. It is not merely a clerical error ; it is a breach of trust and a blatant disregard for the fundamental principles of accurate credit reporting. This ongoing failure is not only impacting my creditworthiness but is eroding my confidence in the integrity of your dispute resolution process. 

I demand an immediate and thorough investigation into this matter, with an unwavering focus on removing the fraudulent items from my credit report. Furthermore, I insist on a detailed and unambiguous explanation for the repeated failures to address and rectify these issues. 

The time for platitudes and inadequate responses is over. I expect this matter to be treated with an unprecedented level of urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will compel me to escalate my complaint to regulatory authorities and explore all available legal avenues to address these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the exhaustive supporting documentation for your reference. I trust that this will be the final instance in which I am compelled to provide evidence for an issue that should have been resolved with expediency. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$27.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.
Product: Student loan

I currently have a loan with Nelnet. I have the income base payment plan, but the monthly interest is higher than the payment I can made. So my balance is increasing instead of being lower with my monthly payments because I am not paying enough to cover the interest. I write an email to Nelnet to  see if they can apply my payment to the principal, but they respond that my payment go first to interest and last to principal. And that I need to make additional payments in order to lower the principal. I can not pay a bigger amount right now and I feel that I am wasting my money because is not making any difference in my final balance.
Product: Credit card or prepaid card

XXXX XXXX credit card account : XXXX Case ID : XXXX Amount : XXXX XXXX Case : XXXX XXXX XXXX Credit Card file a dispute to XXXX on my behalf. XXXX closed the case in my favor. They notified the credit card company. The credit card company gave me the run around. I had mail them the proof they need to rend or credit the funds of XXXX. They in return gave me another bogus excuse and will not refund or credit the refund.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported 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 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, credit repair services, or other personal consumer reports

The credit reporting company finished my dispute and then received information AFTER they finished the dispute and they dropped my score. Once the dispute is done it should be done. There is a time limit for a reason. I would like this additional information removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, XXXX XX/XX/18 Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX Verified as accurate XXXX XX/XX/18 Report # XXXX Dispute Results : XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXX-Updated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX  at the telephone number XXXX on XX/XX/2018 at XXXX XXXX and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX  sold this account to XXXX XXXX XXXX, but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/18 after my dispute with them. Both XXXX XXXX XXXX  and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Product: Mortgage

After filing for modification review and waiting for more than a year for a resolution, Bank of America finally sent me a modification under the XXXX program and they miscalculated the income. For this modification, Bank of America calculated the household income to be {$6900.00}. Based on that income, they came up with monthly mortgage payment under the XXXX program to be {$2100.00}. {$2100.00} was the payment that we could not afford and fell behind on. As you can see, did used the payment by {$12.00} and considered it affordable. That is insensitive and cruel and a joke especially after waiting for more than a year and going back and forth with them. If the household income was what they say was, there was no reason for us to fall behind on the mortgage.. We fell behind because he was unaffordable. 

Our household income consist of {$400.00} of my payroll income and for the {$4500.00} contribution from my son. Based on that, the household income is {$4900.00}. Please help me correct this error and help me get Bank of America to rearview us for the modification. 
I am also very concerned that Bank of America has been playing a lot of games and not doing things as they are supposed to according to the treasury guidelines in meeting timelines. All the programs are expiring at the and of XXXX and I am very concerned about them not doing this modification and forcing me into a foreclosure. Please help me get this done right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get discover card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get discover to remove this account that does not belong to me. 

This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.
Product: Credit reporting or other personal consumer reports

The company is the Country Door. Back in 2017 I was contacted by phone call by Country Door that I was in default on my account because I owed {$60.00} ; it was 6 months past due. We had recently moved. I never received any forwarding mail and was never contacted by phone until this point. I immediately paid the {$60.00} and explained the situation. 

That was in XX/XX/2017 ; 7 years ago. My daughter recently applied for a student loan for XXXX XXXX with me as the co-signer. We were declined because of Country Door 's report on my credit report. I reached out and requested to speak to a supervisor ; I was not granted that. I was told they will not remove the report on my credit. 

They did send me a statement that my account has been at {$0.00} since XX/XX/2017 ; however, I need the reporting to change. I attempted the toll free number for this issue and still did not get the issue resolved.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermor

e, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. In addition, 15 USC 1681a 2 ( A ) ( i ) su
pports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/2022 I have noticed various areas in the way Equifax is furnishing my information. I am aware there are various federal laws in place to protect me as a consumer and to construct this business transaction. Equifax CAN NOT report/treat a payment on an open ended credit plan as late for any reason. Please refer to XXXX XXXX XXXX ( XXXX ). Also XXXX XXXX XXXX ( XXXX ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted Equifax or XXXXXXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX  such authority. 
Equifax 's apparent and constant neglect to properly carry out their job is costing me by ruining my consumer report. This is an attempt to remedy the following listings you have listed on my consumer report.
Product: Debt collection

Everyday. I get XXXX phone calls from comenity bank. They call from all different numbers so I can't block them. They leave voicemails each time. My voicemail becomes full from all their phone calls. They start calling by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everyday. I was out of work for some time end of last year and couldn't keep up with all my minimum payments on my credit cards and I'm currently not working and about to move out of state and these phone calls are insane. The amount of them. They call sometimes 4 times in a row.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same item its Midland credit management. I contacted them and tried to get this settled and disputed the correct way multiple times, The company refuse to work with me. So then I disputed it on XXXX three times. This last time that I tried to get this disputed I uploaded all my documentation backing up the order of dismissal that was signed by a judge in a court hearing. And I got my results in this evening and its just said that it was updated and not removed from my credit report. The order of dismissal was signed in XXXX of this year and its still there and I keep fighting to get it removed and nobody is helping me Ive contacted XXXX multiple times I cant get through to an actual person Ive contacted the creditor multiple times and they refused to help me because I paid a lawyer to take this to court. I dont know what else to do at this point besides to file a complaint to try to get this removed from my credit report this is hurting me and I have paid my dues Ive got the lawyer to take it to court and we won and now they are not recognizing my legal paperwork.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, Bank of America informed me by mail that someone is trying to open an account in my name for a XXXX XXXX XXXX XXXX XXXX. I never submitted a request for this card. We have had at least 4 phone conversations regarding this matter and They informed me they were investigating the application and I would be hearing from Merrill Lynch to resolve the issue... .still have not heard from Merrill Lynch . I in turn contacted XXXX to put a fraud alert on the Bank of AMerica application, I received an alert the fraud alert would not be honored because the Grantor said the information was correct. No explanation how to dispute this finding. Are there any other ways I might be able to solve the Bank of America or the XXXX issues????
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unresolved fraudulent hard inquiries on my credit report. Despite following the appropriate steps to dispute these inaccuracies, the credit reporting agency has failed to remove them, which has caused significant distress and potential harm to my financial standing. 

On XX/XX/XXXX, I discovered several unauthorized hard inquiries on my credit report, which I believe are the result of identity theft. These inquiries include : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Immediately upon noticing these discrepancies, I took the following actions : 1. **Filed an Identity Theft Report : ** I reported the identity theft to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Affidavit ( FTC Reference Number : XXXX ). 
2. **Contacted the Credit Reporting Agencies : ** I contacted Experian and XXXX via US Mail 3. **Requested Investigation and Removal : ** In my communication, I requested an immediate investigation into the fraudulent inquiries and their subsequent removal from my credit report. 

Despite these efforts, I never received a response from Experian or XXXX. This lack of response is unacceptable, as it fails to acknowledge the evidence provided and does not address the serious nature of identity theft. 

The presence of these fraudulent inquiries on my credit report has negatively impacted my credit score, and by extension, my ability to secure necessary financial services. As a consumer, I have the right to accurate credit reporting, and it is the responsibility of the credit reporting agencies to ensure that fraudulent activities are thoroughly investigated and rectified. 

I request that the Consumer Financial Protection Bureau intervene in this matter to ensure that Experian and XXXX conducts a proper investigation and removes the unauthorized hard inquiries from my credit report. Attached, please find a copy of the FTC Identity Theft Affidavit. 

Thank you for your attention to this serious matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX **Attachment : ** 1. FTC Identity Theft Affidavit
Product: Credit card or prepaid card

On XX/XX/2020 I redeemed XXXX points via Chase Ultimate Reward for a non refundable ticked on XXXX XXXX. The flight was set to take place on XXXX That flight has since been cancelled. I received no notification of cancellation from XXXX XXXX, nor from Chase. I have contacted Chase Reward several times, and they refuse to process the refund. I have contacted Chase is several other ways, including via XXXX, Phone, their cancellation form available online. I have had multiple service representatives disconnect their conversation with me entirely or by transferring me without notice or consent. 

Chase insists on following " policy '' over the LAW. US DOT and EU guidance has dictated that cancelled flights must be refunded, regardless of the reason of the cancellation. Chase refuses to comply with the law.
Product: Credit card

I have been doing business with greenskycredit aka XXXX and have been paying an authorized dealer on a weekly basis by automatic w/d from my account. It has come to my attention when I recieved my bill and late fees and excess interest that this party has not been posting my payments. On the following dates the payments were pulled from my account and on the following dates they were credited to my credit account. 
XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX never posted XXXX/XXXX/15 XXXX never posted This company has also been assessing late fees on this account the most recent one was assessed on XXXX/XXXX/15. This is a direct result of the destributor failing to post payments.
Product: Money transfer, virtual currency, or money service

I sent {$210.00} thru money gram for a puppy and then XXXX XXXX told me to go to address to pick up puppy and the home I went to the people had no clue what was going on. I called money gram and filed a complaint and they told me to file a police report which I did and I have called 5 times and they wont give me no more info I then filed a dispute with my bank and money gram is denying that it was fraud. I asked who the person was that picked up money and they wont give me no info.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Product: Vehicle loan or lease

On XX/XX/19, I traded in my 2012 XXXX to XXXX XXXX. Shortly thereafter, I receive notice from my credit reporting agency that my account was hit for a 30 day late mark on this account AFTER I no longer owned the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA continues to violate FCRA 605A.  Identity theft prevention ; fraud alerts and XXXX XXXX alerts [ 15 U.S.C. 1681c-1 ]  605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other consumer protection laws, state laws and federal laws. 

Also CRA is claiming that they haven't received any correspondence by way of the CFPB from me.