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

TransUnion XXXX XXXX 2000 XXXX, PA XXXX Subject : Dispute of Inaccurate Late Payments Reported on Select Portfolio Servicing Account To Whom It May Concern, I am writing to formally dispute inaccurate late payments reported on my Select Portfolio Servicing ( SPS ) account, which are currently appearing on my credit report. The late payment information being reported is incorrect and not reflective of my actual payment history. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I request that you immediately investigate this matter and correct the inaccuracies on my credit report. Specifically, I am citing the following laws in support of my dispute : 1. 15 U.S.C. 1666 ( b ) - Fair Credit Billing Act ( FCBA ) This section of the law grants me the right to dispute billing errors, including the inaccurate reporting of late payments. As a consumer, I have the right to dispute errors within 60 days of receiving the billing statement showing the error. In this case, the late payments being reported are not accurate, and I am exercising my right under this law to correct the mistake.

2. 15 U.S.C. 1637 ( b ) - Periodic Statements of Accounts Under this section, creditors are required to provide clear and accurate statements of account activity. The inaccuracies in the reporting of late payments on my XXXX XXXX XXXX account violate this requirement, as the information being provided to the credit bureaus is neither accurate nor consistent with my actual payment activity.

3. 15 U.S.C. 1681e ( b ) - Fair Credit Reporting Act ( FCRA ) This section of the FCRA mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information included in consumer reports. The inaccurate late payments being reported on my XXXX account violate this provision. As TransUnion has a duty to report only accurate and verifiable information, I am requesting that you immediately verify the accuracy of the information with XXXX XXXX Servicing and update or remove the late payment information accordingly. 
Details of the Account in Dispute : Creditor Name : Select Portfolio Servicing ( SPS ) Account Number : [ Full Account Number or Last 4 Digits ] Disputed Late Payments : [ Dates of the Inaccurate Late Payments ] Requested Actions : Immediate Investigation : Please conduct a thorough investigation into the inaccurate late payment information reported by Select Portfolio Servicing.

Correction or Removal of Inaccurate Information : If these late payments can not be verified as accurate, I request that they be removed from my credit report immediately.

Confirmation of Investigation : Under FCRA 15 U.S.C. 1681i, I request written confirmation of the results of your investigation and any changes made to my credit report within 30 days. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

In XXXX XXXX 2016 we mailed our payment into TD Autofinance. They lost it. However they starting calling twice a day, leaving voice mails ; in said " call by XXXX or this is your last chance ''. On XXXX XXXX they suddenly found the XX/XX/XXXX payment and applied it. Just a few days before cashing the XX/XX/XXXX payment on XXXX XXXX. The account is now current plus a little extra. My entire life I have been on time with payments - even paid cars off early. Today - XXXX XXXX a letter arrived in the mail saying they are going to report me to the credit bureaus for being late. How is that possible when they lost the payment ( that was dated XXXX XXXX ) and found it over a month later. 

If you have a choice - do n't use this company. I had no choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX
Product: Credit card

Refer to the attached documents. I request an investigation into these accounts where I have never been late but am being reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to dispute inquires that I know for a fact were not authorized by myself. These inquiries should not have been allowed to be placed on my file since I did not authorize them. They were not court ordered, for employment, insurance nor for an offer of credit for myself. My dispute came back verified and I know this to be u true as I never attempted to gain credit with ANYONE other then a credit card! This is unsatisfactory and AGAINST THE LAW!!
Product: Debt collection

I received a letter today from XXXX XXXX saying Portfolio Recovery purchased a account reported under identity theft. In which the original creditor received the theft report & case number from the police department. They sold this debt and it is not mine. I do not have a contract with XXXX XXXX or XXXX XXXX XXXX XXXX, I also feel I shouldn't have to keep sending the same information over again. 
I have requested validation also multiple times from their client to only be sent printed out statements That do not bear any original signatures. This is not a valid debt I do not owe this alleged account & will pursue legal action if placed on my credit report. I also request all copies of original contracts or payments bearing a Real signature. They client rep advised me this account was opened online & they have no contracts.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports as of XX/XX/year> and noticed 7 hard inquiries on my report that i did not authorize and im asking Experian to please remove them immediately or show cause after a full investigation why they should remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX. 

Violation of FCRA XXXX XXXX. XXXX : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party XXXX be available does not justify delaying the processing of consumer letters. No XXXX of Attorney is required to address my concerns. 

Failure to Dispute Inaccurate Information : According to FCRA XXXX XXXX ( XXXX U.S.C. XXXX ) and the accepted XXXX XXXX XXXX XXXX data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

My information was impacted by the Equifax data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per XXXX U.S.C. XXXX Section XXXX. 

XXXX Violations XXXX : XXXX U.S.C. XXXX Section XXXX : Right to privacy. 
XXXX XXXX. XXXX Section XXXX Section XXXX : Consumer reporting agency can not furnish an account without written instructions. 
XXXX XXXX. XXXX ( a ) ( XXXX ) : Prohibition of adverse items of information older than XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate. 

I am granting a XXXX period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report. 

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.
Product: Mortgage

THIS COMPLAINT RELATED TO CFPB CASES:XXXX XXXX AND XXXX pROPERTY SET FOR FORECLOSURE XXXX XXXX, 2015.XXXX REPORTS BANK OF AMERICA AS LENDER THEN REPORTS LSBO ( LOANS SERVICE BY OTHERS ) AS LENDER OF PROPERTY. Bank of America unable to procuce promissory note or mortgage deed. XXXX produced fabricated document which needs to be verified by Bank of America. Bank of America needs to approve that this assignment deed is support by Bank of America becuse this fabricated deed use to foreclosure on property not owned or without document of lender. 
REQUESTING BANK OF AMERICA TO STOP FORECLOSURE SET XXXX XXXX, 2015. 
Bank of America submit COPY of original promissory noteBank of America submit COPY of mortgage or deed of trustBank of America submit COPY of all assignments of mortgageBank of America submit COPY of endorsementsBank of America submit COPY of deed of trust transferBank of America submit COPY of sale of property to Bank of AmericaBank of America submit COPY of sale of property to LSBOBank of America submit COPY of Servicer Letter of XXXX XXXXBank of America submit COPY of document to order this foreclosureDID BANK OF AMERICA SIGN issue documents to approve foreclosureBank of America submit COPY of XXXX employed by LSBOBank of America submit document of XXXX employed by LSBOBank of America submit document of XXXX XXXX Bank employed by BOA
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts 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 do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 


Account name : WORLD FINANCE Account number : XXXX
Product: Checking or savings account

XX/XX/XXXX I tried to wire XXXX to my ma It was declined that night and sent back to my Wells Fargo account XX/XX/XXXX I called their representative to help with problems, and they told me the money would be available tomorrow ( XX/XX/XXXX ) XX/XX/XXXX the transactions date went from XX/XX/XXXX to being XX/XX/XXXX, I called representative and asked them XXXX, they confirmed wells fargo received the money yesterday XX/XX/XXXX, so it should have been available today. I went into the local branch and now they're trying to say it's going to be withheld even longer and threatened calling the cops on me while I was pointing out that what they were doing is fraud and doesn't follow what the sign by the front door says about availability of funds policy, so they're not only forging dates, but I've noticed missing money XXXX as my purchases don't XXXX up to what they've deducted. 

XXXX wells fargo.
Product: Student loan

There is no way to make payment towards your loan principal online. I try to contact Navient customer service, but they are closed and their XXXX customer service bot does not provide any information on how to pay toward principal, only how to make normal payments towards fees and interest. After spending an hour on the website, I was able to figure out how to pay towards my principal. In order to make these payments towards principle, you have to write a check and mail it to Navient, and include a note that specifies that this payment must be made toward principal and include account number. You have to find the address, which is different depending on the type of loan you wish to repay. 

Additionally, Navient offers settings online that determine where any overpayment might be sent. None of these options give the choice of paying towards principal. 

In order for anyone to pay off a loan within a reasonable amount of time, it is advised to make additional payments towards principal. As a loan servicer, Navient knows this and clearly does not want you to pay down principal as evidenced by how hard they make it to make these payments and to find information on how to make these payments.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$42000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/year> I asked Capital One to close my saving and 3 CD accounts and to send me the closing funds to my external checking account, which was the same account that I used to fund my Capital One accounts when opened. 

Capital One told me that the closing fund checks must be sent to my home address. 

On XX/XX/year>, I received only one check of {$4700.00}, which was for the closing fund of my saving account. Capital One told me that the other check of {$130000.00} was issued and sent out on the same day for my 3 CD closing funds and I did not receive this check. 

It took Capital One 10 days to send me an Affidavit Form via email. I must have the Affidavit of Lost Check completed before a notary public. 

After I sent back the Affidavit Form, CapitalOne told me that the check of {$130000.00} was not cashed yet, but they can not reissue the check until 2 more months. 
To close my CDs, I must wait 3 months to receive my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and had a fraudulent credit card opened in my name with XXXX XXXX. XXXX and Experian obeyed the law and removed the fraudulent account from my credit report because they received my FTC report and police report. However, XXXX is breaking the law and reporting the fraudulent account as closed on my credit report. I need this removed immediately or I will seek legal action because this is ruining my reputation and does not belong to me
Product: Credit card

I applied for a Destiny Mastercard in XX/XX/year>, I received a billing statement in XX/XX/year> for annual membership fees. I called the credit card company and was told the credit card was mailed to me in XX/XX/year> ; however, it was not activated. I requested the account be closed due to not wanting a random person to receive and activate the credit card as I live in an apartment complex. I was told the balance would reflect XXXX and no liability towards me due to the credit card not being activated after 60 days of issuance. Last week I received a notification from credit wise that my credit score had decreased due to this account being closed. I called the credit card company again and requested they remove the account from my credit file since it was never activated and/ or used. The customer service representative said they can not remove a closed account. Today I reached out to XXXX regarding this account and was advised that the credit card company could remove the account from my credit file.
Product: Vehicle loan or lease

i checked my credit through experian.com when i saw an auto loan account and several inquiries that's been on my credit report that's not mine i tried calling several times and no one seems to be able to help me with this issue, please assist me with the removal of the following account and inquiries currently being reported on my credit report thanks.
Product: Student loan

My ex-husband and I consolidated a student loan back in 1996 for the amount of {$42000.00}. At the time we were married, and this was the easiest way to make the payments. Our loan was first with   XXXX   XXXX    and then was changed to Navient, whom we now have. After our divorce, my ex-husband went Chapter    XXXX    and by the time his repayment period was up, our loan had doubled to over {$80000.00}. During the repayment period, I tried to contact   XXXX   XXXX   and make payments but was told I could n't have access to the account due to the Chapter  XXXX . After this, we switched to an Income-Based Repayment loan, which was the only way we could afford the payments. We have continued to pay the loan every month since them ( with some time taken off for me to go back to school for a second   XXXX   XXXX   and a  XXXX these amounts are in a different loan with a different company which I repay through Income Based Repayment with no problems ) but our loan amount is now over {$120000.00}, and each year it gets higher because we are never able to pay anything to the principal.
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In addition, every time we try to recertify our IBR, it takes 4-6 months to get the process done. During this time, we are incurring late payments in the thousands and have no recourse but to defer those payments, thus adding to our overall balance. This year, I started recertifying back in  XXXX . I tried to submit my recertification information through FSA but my income on my latest taxes would not show, so I submitted the paperwork directly to Navient, including a copy of my taxes. They notified me that my ex-husband had not submitted his forms ; I notified him, and he did so. Despite that, the problem was not resolved so my ex-husband called Navient and was informed that I had to resubmit my information. I did this three weeks ago. Yesterday I got a notice from Navient saying that they could n't complete our recertification because they did n't receive my ex-husband 's income information ; this after they had told him his information was there, and I needed to resubmit. Now, of course, we have several thousand in payments due, which we ca n't pay-hence the reason for IBR in the first place.
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I want to pay this bill, but ca n't stand the run-around that Navient gives us every time we try to certify. I also ca n't see the purpose in paying a loan every month when the principal never goes down and when the amount is three times the original loan even after 20+ years of repayment. I believe that Navient purposefully gives us trouble with our recertification each year so they can collect more fees from us. To tell the truth, I do n't know where to turn to fix this and am ready to stop paying it altogether. The high amount is already hurting our credit rating in spite of the fact that I am conscientious about paying bills as is my ex-husband.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$11000.00} I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$35000.00}