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

I am writing to formally submit a complaint regarding the inaccurate reporting of late payments on a closed account on my credit profile. Despite submitting factual documentation multiple times to the credit bureaus, including XXXX, this erroneous information has not been corrected. As a result, I am requesting the immediate removal of this account and the associated negative payment history from my credit report. 

Account Details : Account Name : Capital One Account Number : XXXX I have provided all necessary documentation showing that the account was paid in full and closed in good standing. However, my credit report continues to reflect inaccurate late payment information associated with this account. The late payment entries are incorrect and do not reflect the actual payment history. 

The following payments were made before the due dates and should reflect timely payments : Payment of {$86.00} made on XX/XX/year> ( due by XX/XX/year> ) Payment of {$25.00} made on XX/XX/year> ( due by XX/XX/year> ) These payments were made well before the respective due dates, and the account should not reflect any late payment history. The continued reporting of these late payments is inaccurate and misleading. 

I have submitted factual documents supporting my claim, including evidence of the account closure and proof of payments, to XXXX and other credit bureaus on multiple occasions, but to date, no adjustments have been made. The continued reporting of these inaccuracies is harmful to my credit standing and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Legal Basis for Removal : FCRA Compliance : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate and correct inaccuracies on a consumers credit report. Despite multiple disputes and evidence provided, XXXX has failed to remove or correct the inaccuracies in a timely manner. 
Inaccurate Reporting : The FCRA mandates that only accurate and complete information be reported. The continued reporting of late payments after the account was closed is misleading and not reflective of the actual status of the account. 
Request for Resolution : I respectfully request that the CFPB intervene to ensure the immediate removal of the inaccurate late payment entries on my credit report. The negative reporting on this closed account is unjustified, and I seek prompt resolution of this matter. I am requesting that the account be removed entirely, or at a minimum, that the late payment history be corrected to reflect the accurate account status. 

If this issue is not resolved promptly, I will consider pursuing further legal action and may file complaints with additional consumer protection agencies. 

Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and inform me of the actions being taken to resolve the issue.
Product: Payday loan, title loan, or personal loan

I initially had a borrow and grow loan with XXXX, who sold my debt to SST XXXX. I have repaid the amount I owed from the initial personal loan, and now want to close my loan, as I do not want to pay the {$200.00} a month on a 29.98 % interest rate for {$2500.00} in savings. SST XXXX charges too many fees and seems to have no idea how to handle my loan. XXXX originally offered the option to cancel your loan.
Product: Mortgage

I am going to upload a XXXX page letter I sent to XXXX XXXX, who represents Ditech, my lender, and they have announced foreclosure auction on XX/XX/XXXX!!!!! Need Division of Banks to call Ditech at XXXX IMMEDIATELY to ask for a 60 day postponement of the sale, since it is now 7 business days before the Auction. 
Ditech address is XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX Account number is XXXX my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and my email is XXXXXXXXXXXX, my phone is XXXX or XXXX. 
I need to know RIGHT AWAY if Ditech will agree, I faxed them a complete copy of my letter and XXXX documents to XXXX XXXX, their lawyer, on XXXX/XXXX/XXXX at XXXX XXXX. 

I had a predatory loan through XXXX that I believe is INVALID XXXX does NOT own both the Note and Mortgage, as Ditech says, and can not therefore foreclose The notice of default is defective, sent by Ditech rather than the XXXX Order of Notice under Servicemembers Act is over one year old XXXX, through Green Tree, has waited more than 5 years to foreclose since our last paym, ent XX/XX/XXXX I want a Temporary Restraining Order for 60 days so I can further investigate the unfair and deceptive practices of all lenders, banks and attorneys. Please see XXXX documents. 

XXXX and XXXX XXXX
Product: Consumer Loan

I was told when i took this loan that every payment would post a small amount to the principle of the loan that was originally XXXX dollars. I have since paid XXXX dollars and am being told that i still owe them XXXX after less than a years time. The information given to my by radient cash was very misleading and not correct.
Product: Mortgage

DITECH FINANCIAL, LLC indicates that I have an existing mortgage with a balance of {$15000.00} as of XXXX 2015. I do not have an account nor a balance with this company. Account was charged off thru Chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries from XXXX and XXXX XXXX on my credit reports with all 3 bureaus from fraud that was perpetrated in XX/XX/2018. They are weighing on my credit score and I believe XXXX reported me as having a delinquent account that doesnt belong to me. I was one of  the effected by the XXXX  data breach my family and I keep getting calls from spam numbers asking for personal information. 

XXXX county sheriffs case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three credit reporting agency one agency XXXX fixed everything after a true and thorough investigation with my last compliant but XXXX and transunion didnt however they still have inaccuracies and fraudulent accounts reporting under my name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I have reviewed my credit report and found the following items to be inaccurate and/or incomplete : 1. XXXX XXXX XXXX XXXX The information reported about this account is incorrect. Specifically incorrect balance, and incorrect dates .According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and remove any inaccurate information within 30 days. Please send me written confirmation that these corrections have been made, as well as a copy of my updated credit report.
Product: Debt collection

An account that was showing as closed XX/XX/XXXX by XXXX XXXX with a balance owing of {$500.00} was purchased by Portfolio Recovery Associates. As I made a payment to XXXX XXXX after closure, there is no balance owed to XXXX XXXX. I have recently since opened XXXX XXXX XXXX credit cards. 

Portfolio Recovery Associates alleges they purchased this debt in XXXX of XXXX, and are reporting a balance of {$580.00}. As I know that the balance that I paid to XXXX XXXX was only {$500.00}, I have disputed this account with PRA on all 3 bureaus and requested verification/validation of this debt that was never provided. PRA reported this debt to all 3 credit bureaus as verified and did not delete the collection although they never evidenced their account nor proven this account actually belonged to me.
Product: Student loan

Navient Solutions claims to have paid XXXX for student loans in XX/XX/XXXX-XX/XX/XXXX. My records indicate that XXXX Consolidated loans from XXXX and XXXX which coincides with my records. XXXX has buying the loans from Navient Solutions. I did not receive a XXXX from this company for the tax years they claim
Product: Credit card

OLD NATIONAL BANK XXXX BEEN OPEN SINCE XXXX ACCOUNT IS NO MINE.FOR THE AMOUNT {$20000.00} DISPUTE THE ACCOUNT WITH XXXX DIFFERENT LETTER THEY ARE REFUSING TO DELETE THE ACCOUNT OF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting unverified accounts in collections. Accounts have been disputed but Equifax failed to provide proof of these accounts belonging to me. I have no contract with any of the listed creditors below. 
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX- {$670.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX- {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chapter XXXX BK has been discharged. I also have multiple Hard inquiries I have requested to be removed multiple times that are still there. XXXX makes it very hard to dispute them. XXXX has BK as DISCHARGED but has XXXX Hard inquires, XXXX has XXXX inquires, Equifax has XXXX. That is a big difference. Also XXXX reports as XXXX late pays when that is impossible during CHapter XXXX. XXXX XXXX is showing 1 30 day late on all and that should be removed as well. The balance is also XXXX not XXXX
Product: Credit reporting or other personal consumer reports

I requested that Midland Credit Management : 1. Validate the debts in question and provide all necessary documentation. 2. Cease reporting these accounts due to the inconsistencies in the amounts reported across different credit bureaus. 3. Cease the practice of changing the status of the debt in a misleading manner and further damaging my credit. 4. Remove any re-reported debts that were previously removed from my credit report. Midland Credit Management has continuously reported inaccurate information Midland Credit Management has not verified or validated this debt Midland has not sent me any documentation to prove they have a legal right to say I owe them this debt nor any documentation I requested. Midland Credit Management has ignored all correspondence from me Midland has been changing the amounts of the debt by increasing and decreasing the balance every month which is illegal. Midland has also changed these collections to chargeoffs and then changed them back to collections to further lower my score
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account XXXX XXXX  has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Mortgage

I HAVE A MORTGAGE LOAN WITH LOANCARE # XXXX. I HAVE MADE NUMEROUS COMPLAINTS ABOUT THE WRONG INFORMATION BEING ON THE LOAN. MY HUSBAND XXXX XXXX IS DECEASED AND I HAVE SENT THEM THE DEATH CERTIFICATE. I HAVE ALSO SENT A COPY OF THE DEED WHICH INCLUDES MY SON IN LAW XXXX XXXX. THE LOAN HAS 3 BORROWERS AND I NEED THE XXXX XXXX NAME REMOVED AND HAVE THE REMAIMING BORROWERS XXXX XXXX AND XXXX XXXX ON THE STATEMENTS FOR TAX PURPOSES. I HAVE STARTED CALLING LOANCARE FOR A FULL MONTH NOW AND STILL HAVE NOT GOT IT RESOLVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on 3 occasions reached out to XXXX, Experian, AND XXXX  and asked for them to investigate an item on my bureau. The item in Question is a XXXX  account # XXXX. They responded to me the first two times and the third time I didn't receive a response at all. My issue is that there are three separate date last active showing up for this account.This is a violation of FCRA because they are re-aging my account by almost a year. They say they have investigated. I have asked how and what method they used to investigate, and their answer is just " been verified ''. I need help on removing this information or getting it corrected.
Product: Credit card or prepaid card

I received a letter from Citi Bank that I was enrolled in Balance Protector, an optional debt protection program, and was charged a monthly fee, and that I may be eligible for a refund. I moved and just received this information today which is XXXX. I called Citi Bank today and gave the CSR my reference number, and she stated that I had to respond by XXXX. I was one day late filing this claim ( because I moved ) and I feel they should let me submit this reference number to find out if I 'm eligible for any refunds.
Product: Credit card

Shortly after filing Case number : XXXX with the CFPB Citi closed my credit card account. Prior to this time that had cut off my online access and would not allow me online access to pay my bill or review my account. I now no longer have access to any of my card history.
Product: Checking or savings account

I have Bank of America checking and saving account since XXXX. 

1 ) XX/XX/XXXX, I found my bank account shows - {$790000.00}, I was shocked and thought my account was hacked. I went to local BOA branch ( XXXX XXXX XXXX, XXXX, DE XXXX ) immediately, the assistant manager Mr. XXXX told me that my account was not hacked, it was hold by BOA, and he help me to called BOA, but he did not get any useful information because his limits of authority. 

2 ) XX/XX/XXXX. My husband and I made an appointment with local largest BOA branch at XXXX XXXX XXXX, XXXX, DE XXXX we met Relationship Manager XXXX XXXX XXXX He called BOA and said my bank account was closed by BOA Risk disclosure department. my balance will be mailed to me by check in 7-10 business days. he opened a case number for me, the case number is XXXX 3 ) XX/XX/XXXX. 17 days passed, still not received my balance, I called the BOA to check the status of my case, I was told my account on fraud investigation and transferred to back office, they do not know what's happen, the whole process may take 45-90 days. 

4 ) XX/XX/XXXX, BOA client protection department called my husband phone number, at that time, he is in office, i am at home, but they did not want to talk to my husband. I have to call back BOA client protection department. The line always busy, I have to keep calling and calling, finally, operator picked up the phone and checked my case, and said my case is in Risk disclosure department, there is no update. I request talk to Risk disclosure department manager, finally a gentleman picked up the phone. I asked why BOA closed my account without any explanation. He told me when I open a new account at BOA, I signed a contract, BOA has right to close my account without any explanation. I am XXXX lady, English is not my native language, my listening and spoken English not good. But he spoke very fast, did not answer any question, just repeat and repeat BOA has right to close my account without any explanation. I feel so frustrated after talking with this manager, I feel discrimination, my heart beats super fast, my hands are very cold. I can not do anything in next few days. my XXXX  got Irregular, I do not want to eat and sleep. I have to see doctor on that weekend, and talk to XXXX. 

5 ) XX/XX/XXXX, BOA called me, told me my case was closed and will refund a check to me. The check amount is 1 % of balance. I asked when I can get the remain 99 % balance, they said there is no time frame to release it. My XXXX XXXX at that time. That is my 20 YEARS SAVING! 

I am just a civilian, I know nothing about bank fraud protection. Bank of America can NOT transfer their Operational risk and defects in their system and process to his client. I want to get my money back!
Product: Debt collection

Affirm Called repeatedly more than 7 times in a 7 day period
Product: Student loan

My loan servicer is MOHELA. I have completed a double consolidation which allows me to apply for the SAVE repayment plan ; however, three times I have contacted MOHELA to apply for SAVE and they are refusing to allow me to do so citing my loans after double consolidation included parent plus loans, which as we know, are allowed to qualify for SAVE through the loophole that closes in XXXX 

I was told : " If you applied for consolidation and have a Parent Plus loan as one of the underlying loans that you consolidated together, the only IDR plan that would be eligible for the consolidated loan is the ICR. '' My last attempt at applying for SAVE through MOHELA was with a paper application which was uploaded, along with a letter outlining why my loans qualify for SAVE. The answer I received from MOHELA was " paper applications are not being accepted, apply for your IDR plan through studentaid.gov. '' When trying to apply through studentaid.gov, it only allows for the ICR plan and gives no option for SAVE. 

I also completed a complaint through studentaid.gov and received a form letter with information on the SAVE plan, which according to the " information '' my loans qualify for SAVE although studentaid.gov does not allow me to apply for SAVE online.

My current Direct Consolidated Unsubsidized student loan IS a Direct Consolidated Unsubsidized and a separate Direct Consolidated Unsubsidized loan made to a parent borrower ; therefore under the statutory requirement set forth by 685.209 ( a ) ( 1 ) ( ii ) my Direct Consolidated Unsubsidized loan IS an eligible loan for any IDR plan not restricted by loan dates.
Product: Bank account or service

I received an email as an alert from Wells Fargo with the following text : - " We have updated your contact information Home/Permanent Address '' The problem is that I closed my Wells Fargo account more than 2 years ago, which included checking and savings account. I also stopped using the credit card and my account was closed by wells fargo. I have n't used any Wells fargo services or their credit card in the past 2 years. 

I contacted Wells Fargo and they had my latest address on file. I have no idea how they updated it. They asked me to disregard this message. 

How was Wells Fargo able to update my personal information without my authorization?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and XXXX, and hoping that these accounts will be corrected. 


XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX  XXXX XXXX Balance {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am expecting from you to put some margin to CORRECT some of the inaccurate accounts in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX