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

My wife and I are both XXXX vets. Our mortgage was sold to freedom mortgage from another company. Freedom mortgage never let us know they had our mortgage until we saw we were late on our credit report. We fixed the past due amount and have been on auto draft ever since. Approx 7 months with this company. Now they are reporting we have missed two mortgage payments all of a sudden and this has never happened. Auto draft is through XXXX XXXX  and has come out the first of every month. We have confirmed this with bank statements. Freedom mortgage has done nothing to correct their screw up after being contacted and admitting their screw up. Because of this we have not been able to get a new car loan and our credit went from XXXX to XXXX. This company should not be allowed to handle veterans mortgages and should be called the gestapo mortgage. XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax about correcting my name. I first sent them a letter on XX/XX/2020 ( certificated mail number XXXX ) and again on XX/XX/2020. Equifax had several variation of the name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. Now my name is XXXX XXXX XXXX XXXX. There is no number 6 in my name. Because XXXX is such a common XXXX name, there are several of negative items on my account that are not mine. I have tried disputing it with them and asked them to verify it. But Equifax is refusing to correct update my name and remove the items. All my letters/requests were notarized for proof and submitted with an affidavit.
Product: Debt collection

Identity fraud. Turn over to credit bureaus for debt thats not mine
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

First of all I have never owned a Comenity Credit card nor have I shopped at XXXX XXXX I recieved the bill for {$190.00} in XXXX of XXXX. I disputed the charge. I do not recall getting anything back from Comenity.Then on XX/XX/XXXX I got a letter that the account had gone to collections from XXXX XXXX XXXX. I called and spoke a XXXX XXXX on XX/XX/XXXX. I sent him all the information I had. Last week I spoke to somebody who simply said the card was in your name you owe the money. 

I think XXXX mentioned if I had shopped at Wayfair which i have. Wavfair changed their credit card company either from Comenity or to Comenity. I think that during the change my information was compromised Again I have nevrer owned a Comenity card.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I unfortunately faced financial difficulties due to the XXXX pandemic. In order to manage my finances responsibly and meet my financial obligations in the best possible way, I contacted XXXX XXXX to request a deferral of my credit card minimum payment for those XXXX months. The phone conversation I had with XXXX of their customer service representatives assured me that my request would be processed without any issues and that no late payments would be posted to my account as a result of this deferral. Take the representative 's word for it and follow the instructions provided. 

My lease is about to end here at my lease home for me and my kids and I am looking to buy a house. 

I ask you to be so kind and help me change these late payments from late to on-time. 
Help our family get approved for a new home. If we can't change this, there's a big chance we could become homeless and you're my last hope, I hope you can help me. 

Listed below are late payments that are NOT accurate and those dates should be changed to PAID. 

As agreed Account Name : XXXX Account XXXX : XXXX Report dates not specified : XX/XX/year> and XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute inaccurate information listed on my credit report. Upon reviewing my credit report, I identified the following incorrect items that violate my rights under the FCRA : Disputed Items : 1. Account Name : Rent Recovery Solutions/account Number : XXXX Violations : The inaccurate reporting of this information constitutes a violation of the following provisions under the FCRA : 1. 15 U.S.C. 1681i ( a ) : The credit bureau is required to conduct a reasonable reinvestigation of disputed information within 30 days. I expect a full and proper investigation of the information I am disputing.

2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of information included in consumer reports. The continued reporting of inaccurate information violates this provision.

3. 15 U.S.C. 1681c ( a ) : Certain outdated or obsolete information, such as accounts beyond the statute of limitations, should no longer appear on my report. Please ensure compliance with this section.

4. 15 U.S.C. 1681n and 1681o : Any willful or negligent noncompliance with the FCRA entitles affected consumers to pursue damages, including actual damages, statutory damages, and attorney fees. 



Requested Actions : I hereby request the following : That [ XXXX, XXXX ] conduct a thorough investigation of the disputed information. 

That all inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report.

That I receive a written response detailing the results of your investigation as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Supporting Documents : To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed items highlighted.

A copy of my identification and proof of address to verify my identity.

Notice of Escalation : Failure to address this matter appropriately may result in additional legal action or a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681p for enforcement of my rights.

I expect this investigation to be completed within the statutory timeline of 30 days ( or 45 days if I am notified of an extension due to additional information ).

Thank you for your prompt attention to this matter. Please contact me directly if further information is needed. 

Sincerely, [ XXXX ]
Product: Checking or savings account

5/3rd bank advertised to me a money market account yielding a 5.3 % interest rate via email. I am an existing customer with multiple accounts already. The advertisement described the interest and deposit requirement of {$25000.00} to earn the rate. I spoke with my bank branch representative in XXXX, XXXX in late XXXX, emailing him first the bank 's quote for reference. I spoke on the phone and confirmed that I can change on of my existing accounts to the new money market account and upon transferring the {$25000.00} amount in the advertisement would be receiving the interest rate. I opened the account upon their representation and confirmation. I was already receiving about 5.2 % interest from the other institution where this money was held, but decided to transfer because of the slightly higher rate at 5/3rd and confirmation that I would be eligible upon transfer. I did transfer {$25000.00} into the account within a couple days of opening in late XX/XX/2023. I checked my balance in early XXXX and noticed I had not received the stated interest rate. The bank explained, now for the first time, that they had calculated some number I needed to exceed by {$25000.00} constituting balances in other accounts, which I would have no reason to know. I fulfilled my end of the deal, their exception they raised was confusing and misleading and I would not have opened the account but for their assurance I met the criteria upon opening the account and transferring the amount of {$25000.00} into it - which I did. The bank has refused to compromise the issue upon both written request and phone calls to do so.
Product: Debt collection

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Debt collection

Greensky keeps harassing me, although I told them to stop contacting me. I've had to block their calls and they keep sending me mail although I asked them 2 months ago to charge off my account.
Product: Debt collection

I have settled a claim from XXXX XXXX XXXX that I owe a debt to them. I filed XXXX claim after I had spoken to many different managers at XXXX XXXX that claimed that my balance was at {$0.00}. No debt was owed as a result of poor service and I have communication from them attached, showing that the debt is no longer owed to them. Over the past 16 months, I have gotten MULTIPLE debt collection companies attempting to collect a debt that is not owed. These various companies appear to be selling this debt to other companies when they realize that there is no debt to collect. Every couple of months I get a new letter from a different company stating I owe them money. How do I get this to stop?
Product: Credit reporting or other personal consumer reports

am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

Thereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently received notification from the XXXX on behalf of the US Dept of Education that my application of Total & Permanent XXXX has been approved and my loan is completely forgiven/discharged. 

The notification was also sent to XXXX on XX/XX/XXXX for it to process the forgiveness/discharge of the student loans in the amount of {$140000.00}. 

With all of the confusion, administration back peddling and lawsuits filed by or on behalf of XXXX challenging the student loan forgiveness programs ; I would like XXXX with this information to immediately zero out my loans, close the account, and report such to the credit bureaus as quickly and feasibly as possible. 

I filed a dispute with the XXXX credit bureaus to expedite getting the reporting off my credit reports ; XXXX however verified that the $ XXXX balance was correct ; which is erroneous as of XX/XX/2022. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), and Rule 9037 of the Federal Rules of XXXX XXXX. I have taken proactive steps to verify the accuracy of my credit file, and the following issues require immediate correction : 1. Inaccurate Reporting of XXXX XXXX XXXX The credit report inaccurately reflects a XXXX XXXX XXXX I have obtained a letter from the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX confirming the official record does not match the reporting on my credit file. Please find a copy of this letter enclosed for your review. 
2. Failure to Provide Validation I have previously requested validation from the creditors reporting this information, specifically : Proof of the original contract Complete account history Debt validation, including any legally binding documents To date, no satisfactory response or evidence has been provided. As such, under the FCRA, this information must be removed from my credit report until its accuracy and validity can be verified.

3. Violations of Rule 9037 ( Privacy Protection for Filings ) Under Rule 9037, personal identifying information related to bankruptcy filings must be redacted to protect privacy. Please review the report for compliance and immediately redact or correct any violations.

Requested ActionIn light of the above, I formally request the following actions : Immediate investigation into the disputed items Removal of inaccurate information related to the XXXX XXXX XXXX  Deletion of any unverifiable or improperly validated accounts Please confirm in writing that you have received this dispute and will initiate an investigation. Per the FCRA, you are required to complete this investigation within 30 days and provide the results in writing. 

I have enclosed the following documents for your reference : A copy of my credit report with the disputed items highlighted A copy of the letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Copies of prior correspondence with the creditors A copy of my government-issued ID and proof of address Thank you for your immediate attention to this matter. Should you require any further information, please contact me in writing at the address provided above.
Product: Debt collection

Not a duplicate. 
NMAC received in XX/XX/2021 written instructions to delete this consumer credit transaction off of all my consumer reports. Pursuant to 15 USC 1681b ( a ) ( 2 ) NMAC may only furnish in accordance with written instructions from me the consumer. My rights are continuing to be violated.
Product: Debt collection

I had a Line of Credit for {$20000.00} with   XXXX   of Florida and 5 years ago I stopped the monthly payments because I was renegotiating with them a Mortgage for my House. I   XXXX   XXXX   XXXX   I renegotiated the Mortgage and in   XXXX   of the same year I received a Law Suit from  Atlantic Credit and Special Finance Unit LLC t o collect the total amount of the Lines of Credit through its Attorneys   XXXX   XXXX   XXXX  . I answered the Law Suit saying I did n't have any  deb with Atlantic  and I had never received a Notification from Beneficial informing that my account had been sold.   Aft er one year they filed a Motion  to Mediation but they did n't give me the opportunity to choose the Mediator and did n't follow the Procedures of the  XXXX   XXXX  Court to go to Mediation. The day of the Mediation I attended the meeting but I told them that I wo n't participate because the irregularities they had done. At the beginning of this year there was a hearing in  XXXX ,  XXXX   XXXX   Court,  which was not attended personally by  XXXX  and the Judge accepted an Order to compel to mediation by   XXXX   XXXX   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX ftc and affidavit That was after attempting to contact XXXX mXXXX XXXX XXXX XXXXimes. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

TODAY MY BANK ACCOUNT WAS WITHDRAWN OF ALLLLL MY MONIES THAT I LIVE ON LEAVING ME WITH A XXXX BALANCE! ... THEY TOOK {$5400.00} TODAY .. .MY MONIES COME FROM MOSTLY GOVERNMENT AND FEDERAL MONIES THAT WERE TAKEN FROM ME BY A COLLECTION AGENCY THAT NEVER SENT ME A CERTIFIED LETTER PRYOR TO DOING SO TO VALIDATE ANYTHING ... I'M ON UNEMPLOYMENT BENEFITS, FOOD ASST. AND RECENTLY WAS GIVEN OTHER GOV. AND FEDERAL MONIES DUE TO THE PANDEMIC ... IN ADDITION, I RECENTLY HAD XXXX XXXX .... I HAVE NO OUTSTANDING DEBTS LISTED ON MY CREDIT REPORTS ... IF THERE ARE ANY OLD DEBTS, THEY ARE UNSECURED DEBTS THAT HAVE REACHED THE STATUE OF LIMITATIONS = TIME BARRED ... THIS IS UNACCEPTABLE ... AND NOW I'M AFRAID OF OTHER GOV. MONIES WILL BE TAKEN FROM ME .. I HAVE NO OTHER CHOICE BUT TO CLOSE DOWN MY BANK ACCOUNT NEXT WEEK BECAUSE OF THIS FRAUDULENT WAY OF THEM DOING THEIR BUSINESS! AND MY BANK SAYS THEY CAN NOT DO ANYTHING, THERE WAS A COURT ORDER LISTING THIS DEBT COLLECTION AGENCY AS HIDAY & RICK PA. LOCATED IN XXXX, FL. ... I WANT MY MONEY BACK NOW!!! YOU CAN TELL THEM I WILL BE TAKING THIS TO THE GOVERNORS OFFICE OF FLORIDA AND ALL OF THE NATIONS NEWS MEDIA TO LET OTHER PEOPLE KNOW WHO ARE STRUGGLING DURING THIS PANDEMIC, THAT THESE COMPANIES EXIST! HOW ARE THEY ALLOWED TO GO INTO XXXX XXXX ACCOUNTS AND TAKE THEIR MONEY!! ESPECIALLY DURING A WORLD WIDE CRISIS THAT IS NOT OVER YET ... THIS NEEDS TO STOP NOW!!
Product: Debt collection

Conns collection practices should be considered harassment. They call you the day after your payment is due. So for example if it is due on the XXXX they are calling you at XXXX on the XXXX. They call all day long and at times it is twice a hour. If need be a can show phone history. The topper was today when they called me. My payment was late I admit. It was due on XX/XX/XXXX and I scheduled it for XX/XX/XXXX which is less then 30days. The payment cleared my bank as I have proof. They then preceed to call me today at XXXX and again at XXXX requesting XXXX and XXXX payment. I spoke with a nice lady who said it was a error and she stop the calls. Less then a hour later the calls continue. At this point I was frustrated and told the lady I was done talking with them. I owe less then {$200.00}. My whole experience with them has been terrible. My furniture is terrible. The screws are falling out of the chairs and the fabric has come off the recliner. They claim the insurance i paid for does not cover my table set and the fabric chapping is not covered either. Then they offered me a extension earlier this year and then reported it against my credit. I need to know what can be done. I tried to dispute with no luck. I am so done with Conns.
Product: Credit card

My Social Security Number XXXX has been compromised, and someone fraudulently applied for a credit card with XXXX XXXXCBNA using my identity. Furthermore, I want to highlight that I was not present in the USA at the time of the application, as I resided in XXXX until XX/XX/XXXX. I can provide my immigration papers ( XXXX Form ) as evidence, stating the date of my arrival in the USA. Please find them attached for your reference.
Product: Bank account or service

Someone opened several bank accounts ( checking and savings accounts ) in my name without permission. These accounts were supposedly opened online according to Wells Fargo, XXXX, XXXX, and XXXX. Someone obviously stole my identity ( SS #, name, DOB, etc ) and opened these accounts. I then had to call all the banks and cancel these accounts, put a credit stop with the XXXX credit agencies as well as fraud alerts and go to the local branches of Wells Fargo and XXXX in order to close these accounts and prove that I had been a victim of identity theft. What I do n't understand is how anyone can just open accounts in my name online, but I have to actually go to a local branch in order to close them???!!!!! What XXXX kind of stupid system do these banks have??!!