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

I am writing to formally express my dissatisfaction and frustration regarding the numerous attempts I have made to correct an error on my open account and have a late closed account removed from my credit report. I believe there has been a misunderstanding, and I kindly request your assistance in resolving this matter promptly.

I noticed that there was an error on my open account with Credit Bureaus. It was reported as delinquent, which is inaccurate since I have consistently made on-time payments. I immediately contacted your customer service department to rectify this issue. However, despite numerous calls and written correspondence, the problem has not been resolved.

Additionally, there is an account marked as " late closed '' on my credit report, which is damaging my credit score. I have no record of this account, and I believe it has been erroneously added to my report. I have also made several attempts to have this account removed, but to no avail. 

Resolution Requested : I kindly request that you take the following actions to address these issues : Correct the open account status to accurately reflect my on-time payment history.

Investigate the origin of the late closed account and remove it from my credit report.

Provide me with written confirmation once these issues have been resolved and the changes have been reported to the credit bureaus.

Ensure that no further negative impacts occur on my credit report due to this matter.

I understand that errors can occur, but it is essential that these issues are resolved promptly to avoid any further damage to my creditworthiness. I trust that [ XXXX XXXX ] takes these matters seriously and will work diligently to rectify this situation. 

Please consider this letter as a formal notice of my complaint. I expect a response within [ reasonable time frame, e.g., 30 days ] from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. Please assist me to correct or remove the following accounts : XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX Balance Owed : {$130.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

the information for XXXX XXXX shows a Charge Off and was not a charge off. 

I have provided a letter from XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX is an XXXX XXXX company
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$5900.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX  XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$16000.00}.
Product: Mortgage

I have requested MI  removal per the Homeowners Protection Act from my loan servicer, Mr. Cooper. XXXX XXXX XXXX. This was requested in XXXX, once I passed the mandatory 2 year mark for having MI. I was told I would be contacted for a broker price opinion to determine value. It has been over 30 days and nobody has contacted me yet. I have called back twice and am told that it has been requested and they will follow up, but nothing has been done. My XXXX payment included MI as will my XXXX payment and I should not have to pay this. Current loan balance is {$340000.00} and my home is CONSERVATIVELY valued at {$520000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, originally, I sent TransUnion a letter with the intent to file a complaint with the FTC, due to blatant and objectionable disregard of the law ( s ). 
about them incorrectly reporting a XXXX XXXX Bankruptcy and provide proof of validation or remove it immediately from my credit report. A certified mail receipt was sent back to me stating that it received and stamped XXXX, which i have a copy and proof. 
In the meantime I contacted the court directly to dispute this issue, i sent a letter dated XX/XX/XXXX from United States Bankruptcy Court Eastern District of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as TransUnion, XXXX, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX Transunion responses back in a letter which i have proof of that they determined that data had been previously verified. after the court has they have wrote a letter stating that did not /do not. -VIOLATION It is a year later they still reporting it on my profile. 

XXXX- Sent a statement XX/XX/XXXX stating that the item i am disputing is not currently reporting after they received a coy of the letter from the court but they are now reporting it, lowering my score. -Violation XXXX was sent a intent to file a FTC complaint XX/XX/XXXX due them disregarding the proof of validation. They are still reporting this Entity that should not be reporting because according to court they have not verified it .Violation
Product: Debt collection

IC SYSTEM is in violation of FDCPA and is attempting to collect an alleged debt.I demand debt validation for the alleged debts listed below. 
IC SYSTEM- {$1300.00} IC SYSTEM- {$510.00} Provide me with debt validation with demands below of alleged debts! 
1 ) Original Creditor 2 ) Balance of the alleged debt and how that balance was obtained 3 ) Full Account Number for alleged debt 4 ) Date accounts were opened 5 ) Full Social Security Number of alleged account holder 6 ) Contracts of alleged debts with wet signatures between alleged debtor and your company IC SYSTEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make  sure they have receive them I was told them and was going to have accounts remove
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Unfortunately, my information has appeared in a data breach and I have noticed an account open on my consumer report at this account does not belong to me. I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rice.I would like for you to be removed immediately. XXXX Account number XXXX Date opened XX/XX/year> and XXXX XXXX XXXX Account number XXXX XXXX opened XX/XX/year> this account was opened and furnace as the result of a data beach/identity theft. Pursuant to 15 USC 1681 and FCRA 605b this derogatory account must be removed from my consumer report immediately
Product: Debt or credit management

From XXXX to XXXX, I was involved in th idea that I had great approval odds for credit cards that insulted in many hard inquiries and predatory assumptions that I would be approved. This caused my credit score to not only drop but made it where other financial services would not provide me approvals for low interest loans ect because of the inquiries. Credit Karma created misleading information saying I'll have great approval odds but the truth was I had very little approval odds and was constantly denied the low interest loan or credit card in a higher limit. Credit Karma gave me false beliefs and I have suffered cause of it especially trying to get into apartments, attaining a loan for house and a low interest loan for a car.
Product: Mortgage

I applied for and application to refinance my current mortgage with this company close to 4 months ago. This company was slow to process my loan. Today after speaking to three employees I learned that my loan would not be processed until my reported child support arrears {$1600.00} ( estimate, and not appearing on my credit report ) was paid in full. This policy was not reported to me prior or during the processing of my loan request. 

I requested to see this company 's policy and I was refused by three employees.

This policy should be accessible and shared to the consumer. I believe that this policy may be unfairly targeting certain ethnic classes of people. The fact that my company is not being transparent related their policy should bare strict scrutiny, and it is assumed their practices may be in place to knowingly or unknowingly exclude classes of people.
Product: Debt collection

I am filing this formal complaint against Credit Control , LLC for ignoring my debt cancellation request while continuing their ongoing collection efforts despite my compliance with IRS cancellation procedures. 

On XX/XX/year>, I submitted a formal request to Credit Control , LLC for the cancellation of a debt pursuant to IRS Form 982 and IRS Form 1099-C due to a severe financial hardship I was experiencing. I provided all necessary documentation to validate my hardship and requested Credit Control , LLC process my application in a timely and lawful manner. My financial hardship was due to a service contract provider denying my auto repair claims after my engine was torn down. This financial hardship costed me {$7300.00} and I had to cancel my debt consolidation contract for $ XXXX, which included the accounts Credit Control , LLC purchased. 

Credit Control , LLC completely ignored my request, while continuing to attempt to collect the debt, which I believe is in direct violation of federal regulations regarding debt cancellation. I am concerned about these ongoing collection efforts, as I have made every effort to resolve this debt in good faith and in alignment with IRS guidelines.

Credit Control, LLCs disregard of my cancellation request has led to unnecessary stress and a decrease in my credit score due to false re
porting delinquency and I respectfully request that the CFPB investigate Credit Control, LLCs mishandling of my cancellation request and ensure they comply with IRS and federal debt collection guidelines. I am hopeful that this matter can be resolved promptly so that I may move forward without further disruption to my finances and credit.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under. 

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
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Debt collection

Credit collection services is trying to connect a debt that is not mine for XXXX and I want it removed out of my credit.
Product: Debt collection

Collection agency, Capio Partners has called multiple times. Their client is XXXX XXXX XXXX XXXX. On the first call, I advised them that this debt had been paid by my son 's insurance, and I had just finished another dispute with another collection agency the said the hospital had made a billing error. The man was rude, said he would mark it as disputed, but nothing would really happen, I needed to pay it. I asked for a fax number or address to send proof of the hospital 's error, and he refused. He said I would get a letter, which I never did. I explained ( just like my prior dispute ) that this was not my debt, I had never signed my son into that hospital as I was not there, he never saw a doctor, and the hospital had been given his insurance information several times. 
He said their office just received the debt, so I had to pay it. I asked him to verify the debt with them, as they had just admitted their billing error with a different agency, and he said he absolutely would not. I advised him the governor had put a hold on collection activities due to COVID, but advise me where to send proof it was not a valid debt and I would do so for their records. I also asked that they not call me again regarding this matter. 
They have called me multiple times since, did not provide any written communication, and immediately reported the debt on my credit file ( the same day, XX/XX/XXXX ), all violations of my very specific requests and rights. More disturbing, it was a direct violation of a government order since the governor had suspended all collection activity during these trying financial times. Additionally, it is incomprehensible to me that a physician would charge {$1300.00} when they never saw the patient, especially when the patient was brought in by ambulance.
Product: Credit card or prepaid card

I have tried to tell Avant about display issues on their website that affect my ability to make payments. I first noticed this discrepancy because my expense tracking/budgeting software never aligned with my account balance. 

While my circumstances aren't relevant, I aim to pay my cards to zero before the statement closes to avoid reporting a balance on my credit report. Because of incorrect information shown on Avant 's site, I often end up closing with an unwanted balance. 

The Avant website has two reporting issues : ( 1 ) the " current balance '' is sometimes incorrect, and ( 2 ) recent payments are duplicated in the transaction history I've attempted to report these bugs by e-mailing screenshots to Avant, but I am directed to call if I have " questions about my account. '' In my attached screenshot, my account shows a {$0.00} balance, with a {$28.00} charge and {$28.00} payment pending. You'll notice that my recent {$110.00} and {$81.00} payments show twice in the transaction history, both as pending and posted transactions. 

On top of that, manually adding each transaction to the starting balance results in a {$23.00} balance, rather than {$0.00}.
Product: Credit reporting or other personal consumer reports

I sent the credit bureau supporting documents to remove the inaccurate information from my report. Showing XXXX XXXX, XXXX XXXX, inquiries, the bureau refuses to send proof of validation, but continue reporting the inaccurate information on my report. They also validated the FCRA LAW Code. Failure to respond within 15Days of receiving certified documents.
Product: Student loan

Last fall ( around XX/XX/2018 ) I was renewing my IDR repayment plan with XXXX servicer and requested that they send me via mail, a hard-copy of all qualifying payments for my own records. It has now been more than 6 months and I have yet to receive this in the mail. I also spoke with them today to follow up and they apologized for not getting me these records and that they would have to put in a new request into their system. Unfortunately, their website is pretty basic and there is no way for me to run a query to display my qualifying payments. Any bank or credit card company needs to be able to get their customers this information so there is no reason by a student loan servicer should not be any different. 

I also wish to note that nowhere on there website do they state the type of repayment I am in. As someone who is on a student loan forgiveness track this is incredibly important information to see. Also none of their IDR repayment forms display this information which is also incredibly misleading and hurtful to customers wishing to confirm their repayment or gather documentation towards forgiveness for a particular repayment plan.
Product: Checking or savings account

I've been a long time Wells Fargo customer and I opened my accounts a long time ago. When I opened my accounts, i was told that my accounts would never be charged a fee. That has been true all these years but just recently they started charging me fees on my two checking accounts and my savings account as well.

These fees are the monthly service fees that I was told many years ago would never happen and now suddenly they started appearing on my 2 checking accounts and 1 savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have contacted Equifax and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. 
All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 

1. XXXX acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. XXXX  XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. XXXX XXXX Acct num XXXX reporting {$15000.00} should be {$0.00}
Product: Vehicle loan or lease

I purchased a vehicle from Kia of XXXX, TN in XX/XX/XXXX. I setup autopay for automatic payments to Kia Finance. In XX/XX/XXXX we decided to retire and relocate to our home in XXXX, XXXX. We sold the car to XXXX XXXX, and XXXX XXXX payed off the remaining loan. Unfortunately a payment was due and deducted from my account prior to XXXX XXXX submitting the loan payoff amount. I was assured by Kia Finance a check would be forth coming. I had notified the post office of my move and had a forwarding address, I received all of my mail with the exception of the Kia Check, so I called them to follow up. They had assured me the check had been sent so I gave them my address in XXXX. After several months, I called again, they provided me the address they sent the check to, but it was incorrect, ( it should be noted the check did eventually arrive, but the check was expired by the time it arrived ). I corrected the address in XX/XX/XXXX, but until now I have not received a replacement check, and I have lost confidence in Kia 's checks in the mail statements. While I do have a foreign address I have received all of my mail from my banks, Social Security, gifts from family etc. I am rapidly approaching a year of Kia not reimbursing me for money they acknowledge they owe. Should the check discussed in XX/XX/XXXXactually arrive it would no longer be valid, as they have a 180 day expiration on it.
Product: Debt collection

I am disputing a collection account with XXXX XXXX XXXX. I have been a victim in of identity theft and this account or debt does not belong to me. I have never resided in these apartments nor have I signed or co-signed for anyone. Under the FDCPA, I have the right to request validation of this debt. I have previously requested this to no avail. There is no contract between myself and the creditor provided nor my signature. I am requesting this collection account be removed immediately from my credit reports. I also have the right to receive monetary compensation if inaccurate information is being reported and causing damage to myself. I am in the process of purchasing a home for my family and this single collection is keeping me from moving forward. Please remove immediately! 


XXXX XXXX XXXX Account # XXXX
Product: Debt collection

Conserve debt collection agency appeared on my credit report, reporting a balance of {$4200.00} that is allegedly owed to XXXX University. I disputed the account with the XXXX major credit bureaus and received a letter from Conserve, as notice of completion of their investigation and determination of verification of the alleged debt. 
The letter includes a financial statement that lists the charges and payments that the University allegedly imposed and collected. It also lists a charges total of {$10000.00} and a payments total of {$10000.00} and a balance of {$0.00} ; also included in the letter is an admission and enrollment agreement. 
The letter does not validate the accuracy of the alleged account or the amount of the alleged debt. The financial statement shows there are inaccuracies in accounting and the alleged account 's financial statement does not show transactions that would validate the alleged date, nor does it provided any information that would validate the alleged amount of debt.