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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accounts listed on my credit report. I have noticed that the following accounts are marked as late payment, charge off, or in collections : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX XXXX XXXX Late Payment Account XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account I dispute these accounts as inaccurate, and I demand that they be removed from my credit report immediately. I have been working diligently to improve my credit score, and these accounts are unjustly hindering my progress. 

Furthermore, I would like to remind you that under the Fair Credit Reporting Act, it is your responsibility to ensure that the information on my credit report is accurate. Inaccurate information can damage my credit score and impact my ability to obtain credit in the future. I am therefore exercising my right under the FCRA to dispute these accounts. 

I am emotionally distressed and frustrated by the damage to my credit score caused by these inaccurately reported accounts. I urge you to take immediate action to remove them from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for these debtsXXXX XXXX XXXX  Account ( XXXX ) # XXXX, XXXX XXXX XXXX Account ( XXXX ) XXXX and Credit Collection Service Account XXXXXXXX XXXX  XXXX XXXX XXXX Account # XXXX I do not have a contract with these collections. They did not provide me with the original contracts for the following companies XXXX XXXX XXXX XXXX XXXX XXXX Credit Collections Serv , XXXX as I requested. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights.

15 USC 1681-602A states I have right to privacy.

15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

Itt lost law suite over private loans, i have private loans with navent from Itt but there still ruining my life. They wont remove the loans from credit. The admitted they did me wrong, how long do people suffer before things get fixed.
Product: Mortgage

XX/XX/2019 - XXXX XXXX  company informed me my loan payment for the prior month had not been made. This is incorrect. 

I mailed and the check was cleared from my account on XX/XX/2019 for the amount of {$86.00} for loan XXXX this was sent pay to the order of Data Mortgage dba Essex Mortgage. 

I have been transferred twice since then and they have failed to forward this payment to my past 2 mortgage company which is in violation to the 60 day transfer of payment date for a mortgage company. 

I have been trying to resolve with XXXX, in Essex Mortgage servicing, phone number XXXX since XX/XX/2019 and it is now XX/XX/2019. I have contacted XXXX, XXXX XXXX, phone number XXXX to have her help resolve and it also has not helped.
Product: Credit card or prepaid card

I would like to file a dispute for the following on the grounds of financial hardship. I was unemployed for an extended period of time while living abroad for work. 

I have since returned to New York and not missed payments and am working to rebuild my finances and return to good standing with my creditors and the credit institutions. 

If possible to forgive these I would be so very grateful. 

XX/XX/XXXX Late fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a letter as formal complaint that XXXX is reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : SUNRISE CREDIT SERVICES Collection Amount : {$1300.00} Original creditor name : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately.

This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, Thank you.
Product: Student loan

I work for XXXX as an XXXX. I have been on income driven repayment for five years as I am XXXX   and have XXXX young children. The Pennsylvania Higher Education Assistance Agency denied my annual recertification and has not provided information as to why. No significant changes have occurred since last year and my wife signed as has been standard practice.
Product: Credit reporting or other personal consumer reports

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile below. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified with out the original document supporting the verified account. 

It is also my understanding that under the FRCA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely Deleted. 

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise NOT PROVEN COMPLIANT to regulatory Federal reporting laws and or standards and MUST be removed immediately the infractions are as follows : Address : 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 Violation : FRCA USC1681 By the provisions of the FRCA ACT and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 Compliance regulations, I demand thatches above mentioned derogatory items be investigated and permanently REMOVED FROM CREDIT REPORT. 

Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three credit bureaus regarding inaccurate accounts being listed on my reports. All three bureaus ( XXXX, Experian and XXXX ) responded, but accounts were not removed. 
Per 15 U.S.C 168li-5a : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The accounts listed below are inaccurate and have been reported with an inconsistent balances or inaccurate payment history. 

Please see the table below for a detailed breakdown. 

I would appreciate an updated credit report with the accounts removed for accuracy. 

Account : XXXX XXXX XXXX CHARGE OFF Account Number : XXXX Balance reporting {$0.00} The high balance is reporting {$0.00} The high balance is reporting lower than the balance. Inaccurate -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account : XXXX XXXX XXXX CHARGE OFF Account Number : XXXX Highest Balance Reported : {$0.00} Balance Reported : {$550.00} The high balance is reporting lower than the balance. Inaccurate -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account : XXXX XXXX CHARGE OFF Account number : XXXX Reporting inconsistent date last active between Experian and XXXX XX/XX/XXXX and XX/XX/XXXX Inaccurate and conflicting information reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account : XXXX XXXX  XXXX XXXX XXXX CHARGE OFF Account Number : XXXX Reporting inconsistent date last active between Experian and XXXX XX/XX/XXXX XX/XX/XXXX Inaccurate and conflicting information reporting. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account : XXXX XXXX XXXX CHARGEOFF Account number : XXXX High credit balance is {$0.00} Balance is {$0.00} Inaccurate reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account : XXXX CHARGEOFF Account number : XXXX Date of last payment is XX/XX/XXXX via XXXX XXXX Date of last payment XX/XX/XXXX via XXXX XXXX Account listed as collections, but payment history chart says OK for 2-year payment history. Inaccurate payment history reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX CHARGEOFF Account number : XXXX High credit balance is {$0.00} Balance is {$0.00} Inaccurate reporting
Product: Credit reporting or other personal consumer reports

Yesterday, I received an email from Chase Credit Journey ( XXXXchase.com ) as we have a mortgage with Chase and the email indicated that there was a lender that recently checked my credit report. When I logged into our Chase mortgage account to see the details associated with the credit inquiry, it was clear that the inquiry was done in response to someone who was fraudulently filing a credit card application with JP Morgan Chase to open a bank card using my information. 

I immediately contacted the JP Morgan Chase card department to report the application as fraudulent. JP Morgan Chase denied the application as they believed the application to be fraudulent. I am in the process of submitting a FACT Act Request from JP Morgan Chase to dispute the fraudulent credit inquiry from my credit report. I have placed fraud alerts and disputes with the three main credit bureaus : XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, Equifax, XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification  CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is the holder for my XXXX  card and they recently increased my credit line from XXXX to XXXX. On XX/XX/24 I received a notification that it was reported that I was over the limit and that my limit is XXXX. That is in fact incorrect. With this error, I loss points on my credit report that I worked so hard to get.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to proper investigate my disputes regarding of the inaccuracies in credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigated. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No.2025-CFPB-0002 ) against them for similar violation. I requested that the CFPB take action to Equifax complies with the federal law and provide consumers with the necessary proof of investigation. The accounts I am referring to is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$850.00} Open Date XX/XX/XXXX inquiries XXXX  XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Debt collection

Description : I am filing a complaint against LVNV Funding LLC for failing to provide adequate debt validation under 15 U.S.C. 1692c. I requested proof of ownership, specifically the purchase agreement or documentation demonstrating a valid chain of title, but they failed to provide this information.

Despite this failure, they continue to report the account to credit bureaus. This violates 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ). I am disputing the accuracy and validity of this debt. 

Requested Resolution : XXXX. Provide the purchase agreement and full chain of title demonstrating ownership of the debt. 
XXXX. Remove the account from my credit report until proper validation is provided. 
XXXX. Cease reporting the debt if it can not be verified with required documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK DIVISION OF CHILD SUPPORT XXXX XXXX XXXXXXXX
Product: Student loan

Mohela is engaged in deceptive trade practices. When I log into my account, it states that I am enrolled in " Auto-Debit. '' It shows my bank account information, the loans to which auto-debit applies, and the amount to be auto-debited. When I scroll down, it says, " Account Options. '' Under account options, it states, " Auto-Debit, Active : Yes. '' However, I was not auto-debited on XX/XX/XXXX, XXXX due dateand my account was marked past due as a result. 

When I called the customer service number, the customer service representative told me that Auto-Debit was not " working '' yet because I am new to Mohela ( I was transferred there from XXXX last XXXX ). But when I checked my account on XX/XX/2024, it showed that my auto-debit was set up and that I would automatically be charged $ XXXX monthly paymenton XX/XX/2024. And nowhere on the website does it state that my auto-debit is " not working yet. '' In fact, it affirmatively states that I am enrolled in auto-debit and that my auto-debit is " active. '' When I explained to the customer service representative that the website is deceptive, she laughed at me on the phone. 

I tried to submit a complaint online, but there is no way to do that. Under " complaint, '' the website states, " If you have already contacted MOHELA Customer Service and are not satisfied, please file your complaint via secure message or one of the other available contact us methods. '' However, none of the links for submitting a complaint work. They just take me back to the home page.
Product: Checking or savings account

Navy federal  has cancelled my membership and closed my account and refuses to send out a check for the remaining funds. They want me to come in the branch to withdrawl my funds but the branch is over 50 miles away and all my money is this account, i have no means of transportation to get to the branch. I am suffering from XXXX which makes it extremely difficult to travel far. And navy federal needs to send out check with my money to my address on file. My account number is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

From XX/XX/2020 to XX/XX/2020 I applied for a mortgage with Pentagon Federal Credit Union. The loan officer was eager to do business and pre-qualified me with no issues. As we proceeded through the loan approval process I was told that the credit union would not move forward unless i committed to the appraisal and paid the fee online. I did that as they requested. The appraisal went fine and everything went off to underwriting with no issues. I called the Loan officer on XX/XX/2020 to check on things since the funding contingency was coming up in a week ; I also wanted to check the rates. After 24 hours the loan officer called and left me a message that loan program she quoted me and the details of which were fully described in the Loan Disclosure was a mistake on her part and now I would have to double my down payment in order to qualify for any program. 
I was notified of this 5 days prior to mortgage commitment due date for the purchase. I called to talk to the loan officer and she would not let me speak to a manager. She said a manger would call me, which did not happen. I asked that the appraisal fee be refunded since it was their mistake and not mine. Also, in order to meet my deadline I had to go to another vendor and pay to expedite the appraisals, which was 3x the cost. This lender misrepresented their product and requirements. They then admitted it was their fault, however it is my loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Student loan

signed PSLF application sent & received XX/XX/2024 Account activity does not reflect any status or activity Made contact twice, Department of Education advised to clear cache & try different browsers to access info No other status reflected post taking action requested Complaint sent to Department of Education to assess issue, complaint closed same day with no resolve This will be week 14 from date of submission. Department advises 4-6 week processing timeframe.