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

I am writing to formally dispute the reporting of a XXXX account on my credit report that I believe is incorrect and being re-aged. The account is listed with a past due balance of {$370.00}, and the date opened is XX/XX/XXXX. The most recent date reported is listed as XX/XX/XXXX, which appears to be an attempt to re-age the debt. This date suggests recent activity, even though the debt is still under dispute. 

Key Points : Account Details : Creditor : XXXX Balance : {$370.00} ( Past Due ) Date Opened : XX/XX/XXXXXXXX  Date Reported : XX/XX/XXXXXXXX  ( which seems to be a recent reporting date for a debt that should not have this activity ) Re-Aging of Debt : The date reported of XX/XX/XXXXXXXX  is being used in such a way that it could extend the negative impact of the debt on my credit report. This reporting could give the impression that the debt is more recent than it truly is, especially if there was a significant period of inactivity on the account. 
Re-aging the debt through a new date reported resets the timeline, potentially causing the debt to remain on my credit report longer than it should, and continuing to impact my credit score. 
My Rights Under the Fair Credit Reporting Act ( FCRA ) : Accuracy and Integrity of Information ( Section 607 ) : The FCRA requires that information reported to credit bureaus be accurate, up-to-date, and complete. The date reported is misleading and does not reflect the actual status of the account. This misrepresentation of dates is a violation of the FCRA 's requirement for accurate reporting. 
Dispute of Inaccurate Information ( Section 611 ) : I am currently disputing this debt, and I have contacted the creditor to resolve the issue. Reporting the account with a new date when there has been no recent activity or agreement on the debt is not only misleading, but it also interferes with my right to accurate credit reporting. 
Right to Deletion of Inaccurate Information ( Section 605 ) : Under the FCRA, if a debt is reported inaccurately or if the creditor can not verify the information, I have the right to request that the debt be deleted from my credit report. 
Request for Correction or Deletion : I am requesting that the date reported for this account be corrected to reflect the correct status of the debt. If XXXX can not validate the debt as accurately reported, I ask that it be removed from my credit report entirely. 

This account is actively being disputed, and I assert that any attempts to re-age the debt through an incorrect date reported are a violation of my rights under the FCRA. Please correct this error and ensure that any future reporting of this account is accurate and in compliance with the law. 

Conclusion : Please take immediate action to correct the date reported for this account or remove the account entirely if it can not be validated. I appreciate your prompt attention to this matter and expect a response with confirmation of the resolution. If you require further documentation or clarification, feel free to contact me. 

Thank you for your attention to this matter.
Product: Mortgage

This complaint is against CitiFinancial Mortgage Company. Borrower is XXXX XXXX, Loan # XXXX. On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX called CitiFinancial to find out the status of a short sale which began XXXX XXXX, XXXX. At that time, after speaking with the lender for 1 year they were told by XXXX XXXX ID # XXXX they would not speak to XXXX because a non-owner had not signed the 3rd party authorization. However, on XXXX/XXXX/XXXX a 3rd party authorization was signed only by the main borrower, forwarded to the lender and accepted by CitiFinancial because negotiations continued from that point forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I took out a personal loan with Wells Fargo with terms of 60 months ( 5 yrs ), monthly payments {$240.00}, due on or about the 17th through 19th of each month. I paid each month by the required date, and in XXXX, XXXX, I paid the remaining balance of {$2300.00}. To date, since XXXX, XXXX, Wells Fargo still has it reported to all three credit agencies that I have paid on time, is up-to-date, but has only paid 77 % of this loan. On the credit reports, it shows paid each month, with a last payment of XX/XX/XXXX, but that the account is still active. I do not owe Wells Fargo any money on this account. The account was closed upon me paying it off on XX/XX/XXXX. I have notified the bank several times to report this to the credit agencies, but to date, Wells Fargo has not submitted this information.
Product: Debt collection

Chase Bank I tried to contact Chase Several times, and there appears to be no one working and it is impossible to reached anyone. The waiting times by the computer recording message state waits of eight minutes, however what happens is that after the time elapses the phone disconnects. 

Furthermore, Chase in doing so is also not honoring disputed transactions and in doing so is violating terms of service. 
I am demanding a refund on a disputed transaction, and there is no one available to service the dispute which has been reported on line and no temporary credit as stated is taking place.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery is reporting 2 collections that are for credit cards opened fraudulently. I have filed an identity theft report and reached out to the bureaus and portfolio to give them a chance to fix it and they are still reporting despite the accounts being fraudelent.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canno furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Collections Acct # XXXX has previously been " verified as accurate ''. Attached is the letter from XXXX Collections to delete the Collections from my credit report. 

I also request monetary damages of {$1000.00} allowed per the FCRA per violation. The violation in which you failed to perform a proper investigation/reinvestigation and deemed the collecetion account verified as accurate. 

Please delete collection immediately. To avoid litigation against Equifax for false reporting and not performing a proper investigation a check in the sum of {$1000.00} can be mailed to : XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX If the relief for monetary damages of {$1000.00} is not received within 30 days, im.sure you are aware I have more than enough proof needed to request that amount for EACH violation along with punitive damages for the emotional distress this has caused, the embarrassment of denied credit due to your false reporting and failure to perform a proper reinvestigation, and the list goes on. I expect to see this collection deleted IMMEDIATELY and a check within 30 days to avoid litigation into this matter of negligence on your part.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I have reached out to your office numerous times regarding my situation as a victim of identity theft. I have provided multiple documents to support my case and would like assistance in resolving this matter. 

Thank you for your attention to this issue.
Product: Mortgage

( I already posted the text of this complaint as a reply to a resolution of a separate complaint about a related issue which was that escrow tax payments were made to the wrong account -- However because that complaint is listed as " closed '' I want to make sure this next issue is also addressed quickly as it seems to be a very time sensitive matter. ) The company sent me a letter assuring me that the lot number has been corrected and that the mis-paid funds have been replaced into my escrow account. I've checked on my online account and I'm satisfied with all these corrections. However, on the same date as the letter from the company which finally addressed these issues, I received a call from my insurance company telling me that my insurance bill has also not been paid. This is shellpoint 's responsibility and again they have completely dropped the ball. The insurance company sent me a bill now for {$1900.00} with the deadline of XX/XX/XXXX or my insurance policy will be cancelled. I do not have this kind of money on hand to pay this bill. But I also fear that Shellpoint will move too slowly to pay the bill. Please, if you are reading this, it is time to escalate this issue and get my insurance bill paid immediately!!! The insurance company 's name is XXXX XXXX XXXX and my understanding from them is that they are also reaching out to you. Please make it easy for them and me and get this taken care of.
Product: Debt collection

This bill was paid in full as agreed on XX/XX/XXXX XXXX
Product: Credit reporting

Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Equifax remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. 

Thank you VERY much.
Product: Credit reporting or other personal consumer reports

This is not my two capital one cards they said they only have one on file which I dispute because of incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting Agency can not furnish a account without my written instructions.
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 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681c ( a ) ( 5 ) Section States ; no consumer reporting agency may make any 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting or other personal consumer reports

Equifax Credit Bureau continues to report XXXX XXXX, XXXX a Fraudulent Identity Theft account. I spoke with XXXX, representative with Equifax who stated that " XXXX is the original credit reporting account and that they do not have an account number. '' I asked to speak with a Manager who could give me accurate information and was transferred to XXXX XXXX, manager with Equifax. XXXX XXXX stated " this has been disputed and verified before and can not be disputed again. '' I asked XXXX XXXX to provide me with information as to how a fraudulent Identity theft account was verified by Equifax. XXXX XXXX stated " the company XXXX verbally verified the account and that it could not be disputed again. '' When I asked XXXX XXXX to send to me in writing the verification process of XXXX XXXX fraudulent identity theft account. XXXX XXXX stated that " he has given me all the information he can give. '' He then terminated the call.
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX  ; ACCOUNT # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. It is also my understanding that I have the right to maximum accuracy of report PURSUANT 15 USC 1681e ( b )
Product: Debt collection

My account was bought or transferred from XXXX  to XXXX XXXX XXXX XXXX in XXXX  after a telephone Consented Judgement was agreed upon and in motion between myself and XXXX. On XX/XX/, I spoke to the assigned attorney XXXX XXXX at XXXX XXXX, who was almost impossible to reach. I advised him that there were added charges and fees that they included to my signed judgement with XXXX. I was not responsible for the cost of any additional fees between XXXX and XXXX. The Judgement was very clear and detailed about my arrangement. XXXX XXXX reviewed the Judgement, in which I re-sent him a copy and said that he didnt know where the added charges came from. He advised he would correct and get back to me. He never responded. I am a new business owner and attempting to get loans. As a result of this situation in which I attempted to resolve with the original attorneys office XXXX, I was in full compliance and making regular payments according to the judgment set forth. I attempted over months several times to call the new Attorneys office XXXX XXXX and their phone was disconnected. Until finally I got a live person on the phone that connected me to speak to XXXX XXXX and I followed up with an email. ( please see email and attachments ). 

I am a new business owner and I have been getting denied business loans because of this incorrect information is on my credit. A judgement was NEVER supposed to be on my credit reports as long as I complied with the payment arrangement. I complied with the payment arrangement with XXXX. XXXX bought the loan and dismissed arrangments of the judgement that was in place and made themselves unavailable for resolution for me to comply. 

A correction of the fees. There was a signed judgement order already in place. This creditor bought the debt and tried to add additional fees and charges.
Product: Student loan

I disputed incorrect information reported on my credit report and asked for verification of debt. I did not receive validation and verification of debt. The debt is with Navient and US Dept of Education.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ive been going back and forth with this bank about my money being insured with them and why there not following there regulators regulations Ive been requesting provisional credit from this bank for a few months now and Ive been getting ignored which I understand that the bank adheres to the regulations set forth by the Electronic Fund Transfer Act ( EFTA ) and the Consumer Financial Protection Bureau ( CFPB ). According to EFTA, if an investigation takes longer than 10 business days, the bank must provisionally credit the disputed amount to the customer 's account.

This bank is not following these regulations that was place to protect the consumer Ive sent multiple letters and emails to them and not getting any correspondence back from them at all nothing what so ever Im keep being told someone will contact me within 2-3 business day which no one has and Ive been told this over 3 time so far Which this bank is breaking the law misleading me during multiple recorded phone calls 15 U.S.C. 1611 - U.S. Code - Unannotated Title 15. Commerce and Trade 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

I will like to be treated fairly and not be grated unfairly and rudely threw my current hardship in my lifetime this bank keep hanging up on me rudely no one calls back as they said they will if the phone call is disconnected this bank is not treat me right as a consumer at all and its aggravating and frustrating at this time on need some money in my life where my bills are pulling up and its hard for me to feed myself currently
Product: Credit reporting or other personal consumer reports

XXXX Experian alerted me, credit file inquiry. Someone tried opening a charge card with my name. Called had it removed, added Fraud Alert. 
XXXX Experian emails and says my account has been updated. I was Locked out of my account. 
Email chain, they requested I fax my license, ss card, utility bill. Did that XXXX. 
XXXX they said 7-14 business days. 
XXXX I emailed them, No reply. 
XXXX I called them, 36min transferred over and over. No resolution XXXX Still No resolution Incompetence on a Grand Scale I have Filed a Police report and a FTC report for the ongoing Identity Theft.
Product: Credit reporting or other personal consumer reports

All credit agencies have incorrect and inaccurate information
Product: Debt collection

Schrier tolin and wagman threatening to sue me in court for a old debt. Sent a judgment to my court. XX/XX/year> case information showed me a warrant in debt from a lawyer Schrier tolin and wagman. They also identified me as not in the military, but I am retired military and protected by the servicemans act.
Product: Credit reporting or other personal consumer reports

After taking a close look at my credit report, I realized I have a fraudulent inquiry that has been reporting to my credit report since XX/XX/year>. Someone used my personal information to apply for a XXXX XXXX XXXX  credit card in my name. Reporting a fraudulent inquiry to my credit report is a violation of the fair credit reporting act and a violation of 15 USC 1681b. With that being stated, this fraudulent inquiry being reported to my credit profile has no permissible purpose and must be removed immediately. I made sure to attach evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HATE TO BOTHER CFPB BUT AFTER SEVERAL FAILED ATTEMPTS THIS INCORRECT PERSONAL INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT FILE. 

ALL FORMER NAMES ARE INCORRECT. MY NAME IS XXXX XXXX XXXX ; EXACTLY AS IT APPEARS ON MY DRIVERS LIC. ALL OTHER VARIATIONS NEED TO BE REMOVED. ALL OTHER PREVIOUS NAMES NEED TO BE REMOVED.
Product: Credit card or prepaid card

Wisely claimed to have returned my paycheck to XXXX on XXXX but XXXX has no record of such a transaction. I think they are keeping my pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023, every month, XXXX reports to lenders that I am delinquent. This causes my credit score to decrease by XXXX points. Every month I called XXXX and asked about my account. This always tells me it is current, and some agents proceed to help me file a dispute. When the representative does not help me, I file the dispute through XXXX or the Consumer Financial Protection Bureau. Now XXXX will not allow me to dispute anymore. I have even paid extra money into my account. My next payment isn't due until XX/XX/2023. I added my payments so you can see I make payments before the due date. I also added the last 2 billing statements showing I have nothing past due. XXXX really needs to fix this because it is unfair for the false reporting.
Product: Student loan

I applied for the SAVE plan which requires my tax return for consideration. I have sent my most recent tax return ( XXXX ) to them 3 times. Once with the initial application submitted on the fed website. Once in the doc center per nelnets instructions. Once via email per nelnets instructions. I am still getting emails saying send us the current or previous tax years return. 

I called nelnet to say I have sent this in and what is going on and was told your current tax return isnt current enough we want your W2. 

After going back and forth with nelnet asking for an explanation of why they are not acknowledging that I have sent in my current tax return per their instructions I disconnected the call. 

I am trying to apply for and be out in the SAVE plan because my balance has gone up despite me having made every single payment on time since I entered repayment in XXXX. I believe my servicer is trying to discourage me from taking advantage of this program by refusing to properly review the information I have sent in.
Product: Credit reporting or other personal consumer reports

Ive never had a contract with this company XXXX XXXX XXXX XXXX account : XXXX Delete immediately I demand that you cease all collection activities regarding this debt and delete any adverse reporting to any consumer reporting agency or I'll report your actions to the State Attorney Generals office and the department who licenses debt collection companies in my state. 
Please send a letter stating that you will delete and stop reporting adverse information to any and all consumer reporting company and comply with my demands. 
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, sending generic billing statements is not proof but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.