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

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Previous Address ( es ) : NONE Employers : XXXX XXXX  I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Credit reporting or other personal consumer reports

I submitted a dispute XXXX to challenge information on my credit report ; XXXX XXXX, XXXX and XXXX  to investigate and update all inaccurate accounts promptly, But all I got was a generic stall letter with no real updates or progress. I am reaching out to you in the hopes you can help resolve the matter.
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 {$22000.00}.

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 XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Product: Mortgage

This is not the first time I have had a payment issue with this loan. I filed a previous complaint with CFPB about the same payment ( made XX/XX/year> ) but against the credit union XXXX. But they do not process the payments. Goal Structured Solutions does. I recently received a letter stating that I need to make the above payment by XX/XX/year> or face " to escalate to a new monthly payment. '' I contacted XXXX but they have no knowledge of the letter and asked me to send them a copy. XXXX also said it was a form letter that is sent out to everyone. The issue is they do not process their payments, Goal Structured Solutions does and they treat every account as debt collections. They even sent my wife the same letter regarding the above payment and she is not on the loan. The incompetence coupled with Goal Structured Solutions " XXXX you approach '' makes them and all involved a candidate for investigation. I have better things to do than file a complaint as does the CFPB but yet here we are. I think XXXX XXXX ( XXXX ) owes CFPB and myself some answers. The scary part is these XXXX  are one of the largest holders of student loans. How does that happen? I have a letter of apology and conformation of the payment from XXXX. What I want is to not have to revisit this issue or any other idiocy from these companies. Stay away from XXXX XXXX XXXX, Launch Servicing and Global Structured solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

PAYMENT HISTORY IS INCORRECT I LAID 100 % of this loan And it's still show 30/60 days late on the CREDIT BUREAUS. Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Credit reporting or other personal consumer reports

Both XXXX XXXX inquiries are fraudulent on my report did not sign up for credit with company
Product: Prepaid card

Rushcard was supposed to do an update Monday XXXX XXXX supposed to take a few hrs. They did n't even email me or I would have canceled my direct deposit. Now it 's weds. I was supposed to get paid tues. Come Thurs my car insurance will be canceled. I will be high risk because of them FOR LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my credit report and saw that there are items being reported that I am not aware of, below are the items appearing ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per 15 US Code 1666B this is clearly a billing error and needs to be updated on my report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the repeated attempts to expedite the removal of fraudulent items from my credit report. Despite multiple requests and assurances of prompt action, these fraudulent entries persist, causing significant distress and financial harm. 

As a victim of identity theft, I have diligently followed the procedures outlined by your agency to dispute and remove inaccurate information from my credit report. However, despite providing extensive documentation and evidence of the fraudulent nature of these items, they continue to negatively impact my creditworthiness and financial well-being. 

The delays in resolving these issues are unacceptable and have further exacerbated the stress and inconvenience caused by the fraudulent activity. I have made numerous attempts to communicate with your agency and have been met with assurances of swift resolution, yet the problem persists. 

I urge you to prioritize the immediate removal of these fraudulent items from my credit report and to take all necessary steps to prevent their recurrence in the future. Additionally, I request transparency regarding the reasons for the delays and a clear timeline for resolution. 

Furthermore, I expect compensation for the damages incurred as a result of the prolonged delay in addressing this matter. The financial and emotional toll of dealing with identity theft and its aftermath can not be understated, and I demand fair restitution for these hardships. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate action to rectify the situation. Failure to do so will leave me with no choice but to pursue legal action to protect my rights and interests. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX BANK XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX Balance {$17000.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported to Trans Union that I have a balance of over {$12000.00} when i have a {$0.00} balance according to my records AND their records. I have to file a written dispute that may take XXXX  days or more and in the meantime, my credit score is down the XXXX 's when i should be in the XXXX 's. This will financially impact me as it pertains to borrowing money until this is resolved. When I called them, their was no way to expedite the process even though admittedly it was their mistake.
Product: Mortgage

We had an appointment to close on our Refinancing on XX/XX/2020, but due to the covid19 we were afraid to meet Notary in a public place. ( My husband has a XXXX XXXX ) So the only day we could close was the XX/XX/2020 at our home. Freedom Mortgage ( my current lender at the time ) was suppose to be paid-off from XXXX ( new Lender ) They did not get their payoff until the XX/XX/XXXX. The Mortgage companies blame each other and myself. Freedom Mortgage reported to Credit Bureau that I had a late/ or missed XXXX payment. This really dropped my score, lowered one of my credit limits and I could not return my leased vehicle to get another one. I am a XXXX XXXX XXXX Veteran with XXXX  difficulties and I did not understand about this payoff system. I was told by XXXX XXXX XXXX not to pay XXXX and XXXX payments because it's to be paid off. Please Help Me. This was not my doing, my credit is all messed up and I am very XXXX. Can you PLEASE REMOVE this late/missed payment from my credit report?? Thank you, XXXX XXXX XXXX
Product: Debt collection

Called to see what this was and they said a XXXX  debt and this should have been paid by insurance and XXXX  as of XX/XX/year> is not to be reported to my credit and it was just reported today XX/XX/XXXX as a tactic to scare me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Trans Union To Whom It May Concern, I sent a letter to you disputing 6 accounts as erroneous on ( XX/XX/XXXX ) and mailed I spoke to your representative and they verified you had indeed received my letter for verification. I was informed you received the letter XX/XX/XXXX It is now XX/XX/XXXX and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. I spoke to your representative and she confirmed that you continue to receive updates but have not started the investigation. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Good afternoon, I recently enrolled in XXXX XXXX XXXX XXXX XXXXXXXX and received a notification from financial aid that some of the balances for XXXX Subsidized loans have exceeded the loan limit of {$23000.00}. I completed my XXXX XXXX  in XXXX, consolidated all of my Subsidized loans in XXXX. There is no way that an overpayment of subsidized funds is even possible at this time in XXXX. Since XXXX I have enrolled in other universities as a XXXX XXXX and have never gotten this error message. I have made a complaint with Federal Student Aid and made several phone calls over the past three days. This morning i opted out of the wait que and was told my call would be returned within an hour and still have not gotten a return phone call ( as of XXXX ). The error message was waived by XXXX in XX/XX/XXXX and the reapplied. They are requesting a document to confirm that the overpayment has been taken care. My issue is that there was never an overpayment. The wrong information is listed on Federal Student Aid website. How could I have exceeded loan limits when all of these were consolidated in XXXX? I have taken XXXXXXXX XXXX XXXX since XXXX  XXXX in XXXX and have never gotten this message before. Where did this overage come from? To date, no one has been able to answer my questions or to solve this matter in a satisfactory way. This issue is a huge inconvenience, a detriment to my educational progress and has caused me great harm.
Product: Credit reporting or other personal consumer reports

Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention.I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your help to remove the fraudulent items : 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had refinanced my car which included a {$440.00} addition to my loan to pay off a collection. The check was sent out and cashed. It was negotiated by my bank for a pay for delete. I have spoken to my bank and the check has been cashed over a month ago. I disputed online with XXXX  twice and included a copy of the check. The company has twice verified it as accurate. The company had already cashed the check. The debt has been paid off in its entirety. They collection agency has said it has t been paid when it has. My last dispute that was completed was XX/XX/20 and it was verified by XXXX  as not being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to have an address deleted and when I get back the results, it says, " The results are : The disputed address has been deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX '' but the address has not been deleted. 

I also had another dispute where I asked to change my address to my current address at XXXX XXXX XXXX, XXXX, IL XXXX. I got results that it was changed but it still shows an incorrect current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 

XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/2016 Balance : {$640.00} XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is inaccurately reporting a payment history monthly on a collection account. A collection account is past due by default. Updating the payment history since XXXX 2019 is negatively impacting my credit by making my " past due '' recent. I have tried for over a year to have this corrected with Experian and they send a letter saying that XXXX verified that this payment history is correct. I have asked for verification and have not received any.
Product: Mortgage

I have had a mortgage for 12 years with Mr. Cooper Mortgage. My current balance is about {$290000.00} due to added fees from a previous modification, which locked my interest rates very high. I have tried to refinance but the property is underwater - {$240000.00}. So I applied for another modification, such as HARP to lower the interest rates but I have been denied. My current interest rates are nearly double the current rates. I am undergoing financial distress but I don't want to default. Please assist me. Thank you.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX 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 in ( MONTHS REPORTING LATE ) to be removed. 

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Debt collection

Consumer Financial Protection Bureau Subject : Dispute of Incorrect Information and Request for Validation Pursuant to 12 CFR 1006.34 To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported to my credit file by Resurgent Capital/ LVNV Funding LLC . This collection entry has been placed without providing me with the required validation information as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, a right guaranteed under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

I hereby revoke any and all rights to owe any debts to Resurgent Capital/ LVNV Funding LLC or any associated entities. Furthermore, I revoke all rights to communication, including emails, text messages, and phone calls, from Resurgent Capital/ LVNV Funding LLC , and its representatives. 

In accordance with my rights under federal law, I request the following documentation from Resurgent Capital/ LVNV Funding LLC to validate the alleged debt : 1. Purchase agreement between Resurgent Capital/ LVNV Funding LLC and the original creditors regarding the alleged debt. 

2. Proof of license and bond for debt collection in Texas. 

I formally request Resurgent Capital/ LVNV Funding LLC to immediately remove the following collection entries from my credit report : 1. Resurgent Capital/ LVNV Funding LLC Amount {$29000.00} I expect Resurgent Capital/ LVNV Funding LLC, to provide the requested documentation promptly. Failure to comply with these requests may result in legal action to protect my rights under federal law. 

Please provide me with written confirmation once you have received this dispute and initiated the validation process. 
Thank you for your prompt attention to this matter. I anticipate your timely response and the swift resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Mortgage

I have an HELOC with Citizens bank and an agreed deferment. However, Citizens bank refuses to accept payments for the account and insist on making full payment for the past due amount as that was the agreement in the deferment. 

Additionally, Citizens bank has refused to provide me with any means of making payment to the account, and a check mailed for payment has been returned.