23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of a bankruptcy on my Transunion credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Transunion has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated
Product: Credit card

Navy Federal XXXX XXXX Credit card I called them yesterday and let them know that I was going thru a financial hardship. My father just passed and all of my money is going to my mother at this point because she needs her sons help. I asked them what they can do for me the represenatives states they couldnt do anything for me at all. Its past the months to state you need help. I asked could they take away the late payments they told me they cant. I asked can they help me lower the payments they told me no. They insisted on using my secured money that was sat aside to get rid of the balance I told them no because I already gave them a Security collateral that is a application and asked them to use that to pay the interest and equity to the principal balance they told me I didnt have equity or interest in this business. It clearly states on there website they every person that holds an account has equity so they lied to me and was ignorant to me then hung up on me they did this multiple times. I have no help at the moment XXXX a single dad raising XXXX children they wont do nothing to help me out and I see that this very wrong to do to a consumer. They are not acting in good faith at all and they are using money that is not theres. They told me banks loan money and I know this for a fact that that no bank loans money at all. They loan a security interest and bonds so I need help with this they threatened to close my account if I did not make the payment in which I could not make.
Product: Debt collection

I received a check in the mail from Tower Loans. I understand that the check is a loan and I am obligated to pay. Since cashing the check, I have made a payment yet got behind. On XX/XX/XXXX, a XXXX gentleman comes to my door and asks my son to speak to XXXX XXXX. When approaching the door, I noticed an envelope in the gentlemen 's hand. He said he was with a tower loan and wanted to give me a letter. I advised them that I know I was behind and will pay them. I have had several loans from this company and have paid all in full, often before the contract ends. As he continues to try to talk and hand me the letter, I politely closed the door. He appeared to be leaving and I went to my bedroom ; however, approximately 15 minutes, my nephew came and handed me a letter from this XXXX guy. Furious, I contemplated not paying as anticipated, but went ahead and made a payment the next day or so. Today, XXXX, XX/XX/XXXX, I finally open the letter and it reads ... " Dear XXXX XXXX XXXX, Our records indicated that the amount you are past due is {$620.00}. Please call me immediately to discuss the situation. '' Considering my payment history on past loans with this company, I feel the visit was totally uncalled for and unprofessional. The gentleman expressed no empathy and was actually gigling as he knew I was embarrassed.
Product: Mortgage

My mother-in-law passed away and I was ordered by the court to be the administrator of her estate. The mortgage company, US Bank, had no system in place for dealing with this situation. At the time of her death, the mortgage was upside-down- mortgage for XXXX and house value of XXXX. I attempted to get the bank to agree to a short sale, but they would n't agree to a short sale without an offer to purchase the house. We eventually got an offer of XXXX and attempted to get the short sale approved. The bank refused to even process the paperwork for the short sale because we " had not signed the form. '' The problem is that this form said among other things, that the signer agreed to accept responsibility for repayment of the loan. I signed the form as my mother-in-law 's name with my name undersigned as the administrator of her estate. They would not accept this. One representative told me on the phone that they would not accept the form unless I signed it with my name and my name only as the borrower on the loan! I refused. At this point, the estate was declared insolvent by the state court and closed. Even after the estate was closed and the property surrendered to the bank, representatives continued to call and send bills to my house attempting to collect mortgage payments, in direct violation of the court order!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information that was being reported by 3 different creditors on my consumer reports with the credit reporting agency Experian, initiated over 6 months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint about the my account not being updated since XXXX on XX/XX/21. As of XX/XX/21 it was updated to " Paid In Full '' BUT STILL the WRONG amount. It is not hard to reflect the amount actually paid, which was " {$870.00} '' NOT the " {$1900.00} '' it reports.
Product: Credit reporting or other personal consumer reports

I opened a credit card with XXXX XXXX in XXXX. The account shows delinquency that is over XXXX years that should not appear on my credit report. I also asked that the company provides statements from the beginning of the account, and they have failed to do so. I called on XX/XX/XXXX and spoke with a XXXX in the Special Collections Department and verified that this account was paid and it was still reflecting as open according to her records. She advised that I would not be able to get account information since account opening. I have in the last two years requested that the derogatory information be removed since it has not been verified and validated as accurate. The company has not provided any account history and proof of the delinquent payments. The furnisher and credit reporting bureaus are still reflecting this on my credit report, even though the account is XXXX XXXX XXXX and paid. This is in clear violation of 15 USC1666b, 15 USC 1601, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, 1681s-2B of FCRA 15 USC 1681 et seq and Section 623 ( a ) ( 1 ) ( B ).
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. IC systems has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Student loan

I am enrolled in the PSLF/ TEPSLF teacher loan forgiveness program. 
Mohela is my loan servicer. 

I have provided documentation that I have taught in an authorized teaching position since XX/XX/XXXX. I should have received forgiveness in XX/XX/XXXX. 

There are 2 years missing in their payment counts ; from XX/XX/XXXX until XX/XX/XXXX. 
I have asked numerous times for someone to look at these months and explain why they aren't counted, yet I can not get MOHELA to explain why they aren't counting these missing 2 years. 
I have requested for XXXX years for them to include these months in my payment tracker, or explain why these payments won't count. They continue to say they will look into it, and then nothing happens. 
Federal Student Aid has verified that these payments should count. 

Could someone please help me get this resolved?
Product: Mortgage

YOUR COMPLAINT On XX/XX/23, my wife and I signed up for Orchard 's Move First mortgage program to move to North Carolina and sell our house simultaneously. We had our appointment on XX/XX/23 and met with an advisor over XXXX. Her name was XXXX XXXX, and we were finalizing all the info. And I shared my desktop to show my wife, who wasn't home, what our viewpoint looks like. In doing so, an NSFW picture got shared instead, and no one noticed, so we moved on. After XXXX minutes, we signed our agreements for a Guaranteed cash offer of XXXX and an exclusive sales agreement. During that week, we had appointments set up for our Real Estate Agent and team to start the process ; on XX/XX/23, Somebody canceled our meetings, and we were waiting for someone to take our calls. We got an email from SVP XXXX XXXX saying they wanted something other than our business. I called XXXX to find out why, and he told me it was because of the shared picture we didn't know about. He broke some internal policy, and he can't service us. End of story, he even admitted it was a mistake and had happened, including it not being a big deal. I told him we already signed an agreement, and he didn't care, illuding to my character not being exemplary. Even though it sounds like what his report says was blown out of proportion. They are forcing us to cancel our contract even though they violated the terms they had set forth, offending someone not listed in the agreement. And they refuse to negate the exclusive seller agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I discovered an inaccurate item posted to my bill from XXXX. I questioned it by phone and asked for documentation ... numerous times ... and numerous times it was promised and even said to have been mailed when XXXX 's own records proved it wasn't. ( When it was finally provided along with copies of the log I'd requested, it was apparent that I had been lied to on the phone re their sending anything to me that identified the basis of the disputed charge. ) This account was on auto pay/full balance. After telling XXXX, by phone to stop grabbing the money from my checking account ... to no avail, I had to order a stop payment against XXXX at my Bank ( for which I had to pay {$35.00} ) .When XXXX got the stop payment info yet another XXXX rep called me and finally looked at the account and recognised the error. Where upon I paid the full true balance due and directed that the account be closed, which was done, not quite timely ... but done. 
That last rep I spoke to also promised this misadventure would not be reflected on my credit report .... However, when I checked my credit report today ... I found XXXX reported I was delinquent for 3 months. My " deliquency '' was due to my refusal to pay the balance until I could get info re its legitimacy and until XXXX looked at it and corrected their error in wrongly seeking payment for an amount for which I was not liable ... and for taking that amount out of my linked bank account. 
While XXXX ethically should be responsible for compensating me for the hours I spent trying to correct their error as well as the {$35.00} stop payment charge I incurred that finally got their attention, I would be happy if they removed the adverse info from my otherwise pristine credit history .... although I wouldn't mind the {$35.00} as well. My resolve to never to do business with XXXX again ( which one of  their reps arrogantly replied was of of no matter to them, when I spoke to her ) will assure this never happens again, at least not with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Neither XXXX nor TransUnion are allowing me to access my credit file. I can not dispute incorrect data. This is in violation of my rights under the FCRA. They do this everytime I file a complaint with the CFPB in what appears to be retaliation for complaining to the agency about them.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I submitted my 1st complaint with CFPB on XX/XX/2023 regarding information being reported inaccurately as well as fraudulent accounts. There were additional fraudulent accounts reported such as XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, and still reporting that wasn't fixed initially XXXX XXXX  Account # XXXX.I 've reached out numerous amounts of times regarding these fraudulent accounts and sent in dispute letters along with my supporting identification documents. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that those accounts belong to me, and all information is incorrect. These accounts as well as numerous Hard and Soft inquiries are affecting my hard work of still trying to purchase a home for me and my children.
Product: Checking or savings account

i had several instances of fraud at chime bank. they denied both of the claims. The first was two transfers from my bank to another outside account ( XXXX and XXXX ). I caught this in time but when they tried to idenify me they said my birthday was wrong and could not do anything til II send in my id and get it corrected. I never before had this problem. I immesiuately sent it in but the time it took them to change the date ( 48 hrs later ). The transfers went through and allI could do was dispute the transaction, which I did. Around the same time someone took my debit card out of my mailbox and activated it and charged and took out cash ( XXXX ). They denied this dispute as well. I appealed both to no good result and when I kept trying to provide additional info they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud, identity fraud. School has closed school loans
Product: Consumer Loan

I think Synchrony Bank are greedy leeches. After I told them that my account was compromised., They still closed my account of many years. Now I will not apply for any Synchrony Bank stores.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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 XXXX days before the payment due date. 


EQUIFAX 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 XXXX 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! 


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

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX US DEPT ED XXXX  Balance : {$1200.00} US DEPT ED XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DP OF EDUC XXXX Balance : {$1200.00} DP OF EDUC XXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX  XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DPT EDXXXX XXXX  Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$1200.00} US DEPT ED XXXX Balance : {$1900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX due to inaccurate information. XXXX denies to follow up with the investigation. I recently was notified that CFPB has file lawsuit against ( XXXX ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempt to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.
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 {$1900.00}, {$6000.00}, {$20000.00}. 
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.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692 c ( c ) that law states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication with consumer. Reporting to my consumer credit report is form of communication. 

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

I have two inaccuracies on my credit on two different reporting bureaus. Transunion is showing this account as 30 days late in XXXX, while XXXX  is showing the account as open. XXXX is the only one who has the reporting right. I have disputed this info with all three bureaus multiple times each. I have even complained here but I keep getting the run around on who's responsible for the correct info. XXXX XXXX has responded on here that i was never late and the account is closed, but when I talked to The executive account supervisor XXXX today, she said she couldn't do anything and that if i felt targeted, I should follow up with CFPB. I believe I am being targeted and retaliated against for my multiple disputes.
Product: Debt collection

I, XXXXXXXX XXXX  XXXX, it was XX/XX/2021 when I had to go to my doctor, XXXX XXXX, in XXXX, and it happened that the doctor was not there and I needed him to check me out, and the doctor 's receptionists sent me to the emergency room because I needed a report of what I had and take it to school but it turns out that they did things to me that later not even my insurance covered me this is a robbery for me and I don't have money to pay so much