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

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 30 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 50 days, so they should be erased immediately.
Product: Credit reporting or other personal consumer reports

Contacted Equifax on XX/XX/year> and was notified that FTC Report XXXX XXXX was invalid by the mailing department. I have re-submitted another FTC report with complete information including account name, account number, and affidavit of statement with copy of drivers license and social security card to verify identity. I require equifax to block this information from my credit report within 4 business days of receipt from today XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. 
The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

I would like to bring your attention to the following errors : XXXX - XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX  XXXX XXXX.
Product: Debt collection

this is fraudulently opened this is not my account I have no knowledge of any property in XXXX Pennsylvania
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in updating some of the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be corrected. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$1900.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$5200.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXXBalance : {$300.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

I purchased items from XXXX using PayPal and my PayPal credit card issued from Synchrony totaling {$1600.00} on XX/XX/XXXX. The transaction was broken into multiple transactions : {$210.00}, {$950.00}, {$27.00}, {$27.00}, and {$430.00}. XXXX 's claims to have issued three refunds totaling the full amount of {$1600.00} broken into 3 transactions : {$950.00} on XX/XX/XXXX, {$59.00} on XX/XX/XXXX, and {$640.00} on XX/XX/XXXX. However, only two of those transactions ever posted on my account ( {$950.00} & {$59.00} ) and I have been forced to pay the {$640.00} for merchandise that I have returned almost a year ago! In fact, the merchandise was returned in XXXX. I have been fighting with PayPal, Synchrony, and XXXX 's for almost a year and have spent hours ( 25+ ) trying to dispute this and have opened multiple inquiries, all which are always ruled in the favor of the merchant and Synchrony nor PayPal has done anything to track down what has happened to the returned funds from the Merchant. This has been an incredibly aggravating and experience that has not only cost me lots of precious time, but also has left me out of pocket for {$640.00}.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Address Information on Consumer Report Dear Credit Reporting Agency I am writing to formally dispute and request the removal of inaccurate address information listed on my consumer credit report, as provided by your agency. My name is XXXX XXXX, and I am concerned about the accuracy of the information on my credit report. 
I recently obtained a copy of my credit report and found that it contains addresses that do not belong to me. The inaccurate addresses listed are : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is my right to ensure the accuracy and integrity of the information listed on my credit report. These addresses are not associated with me in any way, and their inclusion is misleading and erroneous. 
Enclosed with this letter, please find copies of my supporting documentation my Thank You XXXX XXXX
Product: Student loan

XX/XX/XXXX I called Navient until I was able to get a service representative. I have been paying for over 30 months on a fixed amount that was set. They told me to pay for more that 20 years the amount they assign me. Suddenly they increased my payment so when i called them to see why. They said that after 30 months it would increase, then after another 16 months of payments it will increase a lot more for the next XXXX payment. 

I think i go into a company that has scammed me. I need help on figuring out what i need to do. 

XXXX XXXX.
Product: Mortgage

Nationstar mortgage gives me no way to remove pmi on my loan. Main loan has a balance of {$140000.00} remaining. Got a HEL from local credit union and they valued home at {$240000.00}. XXXX values at {$210000.00}. Nationstar says my home is worth {$140000.00}. I asked if I can get and was willing to pay for an appraisal from a company of their choosing and they ignored that request just saying my LTV was at 97 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband received a call informing him that he could buy a home with no money down if he signed up for XXXX XXXX credit repair. We were told that if we paid a fee and worked with XXXX XXXX   we would receive a number to view listing s for rent to own homes Once we signed up we never received any additional information.We were ran around from one call to another transferred over and over.
Product: Credit reporting or other personal consumer reports

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my TransUnion credit report by XXXX Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I previously sent this information to the FDIC on XXXX, and intended to supplement it with email documentation of the aforementioned 10 minute phone call in which I expressly told her ( XXXX XXXX ) the choices for my new CDs that were to be funded from the maturing CDs. 
I also have my notes of that phone call of XX/XX/year>, and I can make a photocopy of them and provide them to investigators. The interest rates she quoted were several, and I selected the 7 month period at 4.26 % ( 4.35 % APY ). 
There was no means to add this supplemental information to the original FDIC complaint other than by USPS mail. 

The next day after I filed the complaint with the FDIC I got an email informing me they transferred the complaint to the FFEIC, so the next day I went to call the FFEIC to ask where to send this supplemental information, but found that they had transferred the complaint to the CFPB, and the CFPB has already submitted the complaint to the Washington Federal Bank. 

I called the CFPB and spoke with XXXX, who couldn't confirm that I can add supplemental information to the original complaint that was sent to the bank. 

Therefore I'm submitting this separate complaint to the CFPB so it can be used in conjunction with the original complaint numbered XXXX. 

I reviewed the CFPB complaint that was sent to Washington XXXX. It states or implies that I did NOT contact the company ( Washington Federal ) concerning this matter. I most certainly did contact them on XX/XX/XXXX, in person with XXXX, and demanded full restoration of the interest that is owed. I also made additional contacts until it became clear the only fair resolution could be through a government agency that has authority over Washington Federal.
Product: Debt or credit management

I Was transferred to Lexington law told to pay XXXX XXXX a month I need to work with in order to fix credit too do XXXX XXXX XXXX home paid for months credit never got fixed asked whats going on couldnt he answers
Product: Credit reporting

chex systems has account or file on me and I also reporting that some one used my information they never take off I can not use bank account to put my goverment chexevery mouth
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized inquiries that i didn't do i went over my credit report and check if any of this has been link to any of my account but i don't see them and i do not recall doing this inquiries.
Product: Debt collection

On  XXXX   XXXX ,  2017 I re ceived written notification of balance owing for the amount of  XXXX . Payment to be received on or before  XXXX   XXXX ,    2017.  I was unable to attend my  XXXX    XXXX   due to  Holiday  on  XX/XX/XXXX  of  XXXX   XXXX . On  XX/XX/XXXX , my  XXXX    XXXX   closed at  XXXX   XXXX . On  XXXX   XXXX ,  2017,  I was informed that there were additional fees associated with the private loan as this loan accumulates at 4.5 %. On  XXXX   XXXX ,  2017, I  sent out a payment in the amount of  XXXX  to be received on or before  XXXX   XXXX ,    2017 t hrough overnight delivery with  XXXX . I also informed company that I will only be paying the amount owing stemming from the written notification received on  XXXX   XXXX  , 2017. Ne w statement received indicates balance owing to be  XXXX . I have contacted company and have left a message with Manager handling my collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have INQUIRIES passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.
Product: Student loan

I have been paying XXXX dollars every months since XX/XX/2018 until today for an austanding balance of XXXX a And the balance do not come down. How this criminal practice is allowed. I shouldnt be put in this position, when i am paying and trying to get this XXXX paid, but those crooks are making it difficult. I need your help please
Product: Credit reporting

I have disputed XXXX Acct XXXX numerous times. I have explained that the account information and details are inaccurate and should be removed and deleted. I have written XXXX XXXX XXXX XXXX XXXX, SD XXXX and they continue to tell me they have no documents to prove the facts of this account. ( payment history- account billing ). XXXX continues to state they have verification to the facts of this account but will not provide them, yet they continue to report inaccurate account information. I have requested this account information be removed as it can not be proved by the company or Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern Trans Union, XXXX. XXXX XXXX, XXXX, XXXX XXXX Please update my phone number to my public and fraud alert cell XXXX I recently pulled a copy of my credit report and noticed the following information is in error : Name Errors : NAME : XXXX XXXX NAME : delete not my name XXXX, XXXX, XXXX delete not my name ADDRESS Error : ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX I never lived at these addresses. 
Please remove them. 
My correct address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I been living there since XXXX/XXXX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX states that I had a late payment of {$740.00} past due as of XX/XX/2022 and the account is still open but that is false information. 

I had an open dispute with XXXX, XXXXXXXX  and my bank because I was due a full refund because of a canceled vacation. I was sent an email by XXXX on XX/XX/XXXX & XXXX, stating that my refund has been processed which was the full amount. I've never made a late payment to XXXX. XXXX states that since there was a chargeback between them and my bank, it caused the system to show that I haven't paid the money since it was returned by the bank. XXXX falsely accused me of making a late payment while we were in the middle of the dispute and refund process. I even made a payment to XXXX on XX/XX/XXXX while I was waiting on the process to finish to avoid any late payments.
Product: Credit reporting, credit repair services, 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the informations are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XX/XX/XXXXAccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXXXX/XX/XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXXXX/XX/XXXX: It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXXXXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Since my last complaint, number XXXX, The XXXX at Ocwen have started collection efforts in the form of harassing phone calls to collect my XXXX XXXX payment which was received by them on XXXX XXXX and immediately misappropriated. I have called them and they claim that they have corrected the problem, but my account page on their web site STILL shows the XX/XX/XXXX payment plus late charges due. They have NEVER DONE WHAT THEY SAID THEY WOULD DO ON THE PHONE. They blame their " system '' but I pointed out to them that there 's a human somewhere who owns and operates their " system '' AND THAT PERSON IS NOT DOING THEIR JOB. I am deeply concerned that Ocwen is mismanaging my money and my mortgage, and I do not want to get screwed when someone takes off with all the money.
Product: Credit reporting

I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX XXXX listed, never lived in a XXXX XXXX , my current address isXXXX XXXX XXXX, Ct XXXX
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below, which still appears on my credit report after your investigation. I would like this item to be immediately re-investigated. The inaccurate information is highly injurious to my credit score. 

Account Name - XXXX XXXX XXXX XXXX Report Number - XXXX In accordance with The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611. Can you provide the names and business addresses to whom you verified the follow up dispute Investigation. Also, what was the method of verifying my dispute. If so, what is the name and number of the parties you verified the information from. If a verbal conversation was held, can I get a transcript of the conversation with the date and time for confirmation verification. 

Please send me an updated copy of my credit report after you re-investigation. If you are unable to send me these verifications as per The Fair Credit Reporting Act, please remove this unverifiable item of my credit report. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX account number XXXX. ( Please see page attached from my credit report. ) I was enrolled in a special account program to assist me in catching up with the payments due to a lay-off from my job. Because of this hardship, they agreed to let me make payments and bring the account current. When I obtained a copy of my most recent credit report, I discovered they had re-opened this account. When I called to inquire, I was told by the representative that this was an error on their part however, they were unable to reverse this incorrect information from being reported. Also, this account is reporting an incorrect balance. This negative reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Checking or savings account

I previously banked online with Simple. On XX/XX/2021, Simple transitioned to BBVA. On that date, I was unable to establish online access due to a " system error '', as were a large number of other customers. I have called BBVA 's customer service 10 times as of this filing, and have been disconnected without making contact with a representative every time. I have not been the one to disconnect the call, the automated system at BBVA has hung up on me. There has been no direct communication from BBVA, any information regarding the transition issues that I have received has been from BBVA 's social media accounts, which are not directly addressing the problems.
Product: Debt collection

EOS CCA called X/XX/2017 asked for personal information. Never sent a letter stating who they were or what they wanted. started calling again a month later never stating who they were or why they were calling again no letter??