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

Re : Dispute of Inaccurate Charge-Off Reporting and Non-Compliance with FCRA Equifax Dear Equifax , I am writing to dispute the continued reporting of a charge-off on my credit report for the account with [ XXXX XXXX XXXX XXXX XXXX XXXX account number [ XXXX ]. This account has been reported as a charge-off account, even though XXXX has already removed this entry following a similar dispute I filed with them. I believe Equifax is not complying with the Fair Credit Reporting Act ( FCRA ) in maintaining this inaccurate and outdated information on my credit report.

According to 15 U.S.C. 1681n, under the FCRA, credit reporting agencies are required to ensure the accuracy and integrity of the information reported, and failure to comply with these provisions can result in both legal liability and the requirement to remove erroneous information from consumer credit reports. 

I am requesting that you immediately investigate and remove the inaccurate charge-off entry from my credit report, as XXXX has already removed the same item due to its inaccuracy. As per the FCRA, you are required to report accurate information, and the continued reporting of this charge-off constitutes a violation of the statute.

Specifically, under the FCRA ( 15 U.S.C. 1681n ), you are liable for damages in the event of a failure to correct or remove inaccurate information, and I expect a full investigation into this matter. If Equifax does not comply with my request to remove this charge-off, I will pursue further legal action and have filed complaints with both the Consumer Financial Protection Bureau XXXX CFPB ) and the Federal Trade Commission XXXX FTC ) for non-compliance. 

Please ensure that this matter is addressed promptly. I expect to receive confirmation that this incorrect entry has been removed or corrected from my credit report within 30 days, as required by law. 

Thanks for your attention to this matter! I look forward to your swift response, also attached is copy of current up to date report from XXXX showing account that is in question has been removed and no longer reporting anything about the account on current report!
Product: Credit reporting

DEAR CFPB, I RECENTLY CHECKED MY CREDIT REPORT WITH EXPERIAN.COM, IT WAS GIVEN TO ME FOR FREE AS A RESULT OF A DENIAL BY XXXX XXXX FOR XXXX OF THEIR CARDS OFFERD TO ME BY MAIL. EVERYTHING ONE MYREPORT WAS CORRECT, UNTIL I SAW A SPECIAL MESSAGE MARKED SO I CLICKED OPEN AND TO MY AMAZEMENT THERE WAS SOMETHING METIONED ABOUT MY HAVING XXXX OR XXXX, THIS IS IN DIRECT VIOLATION OF DOCTOR PATIENT PRIVLAGE AS WELL AS A NEW YORK STATE LAW THAT STATES XXXX FACILITIES CAN NOT DISCLOSE THIS INFORMATION ABOUT APERSONS XXXX TO JUST ANY ONE.I HAVE BEEN XXXX FLR SENERAL YEARS AND RECENTLY BEEN DIAGNOSED WITH XXXX. I AM HAVING FINANCIAL PROBLEMS DUE TO THESE ILLNESSES. AND AFTER MEDICARE AND SOME HELP FOR MEDICATIONS BY THE XXXX, AND THE XXXX THESE HELP [ WITH XXXX AND XXXX INJECTIONS ONLY NO OTHER SERVICES SUCH AS MY MEDICARE COPAYS.NOW IAM CURRENTLY WAITING FOR AN APPROVEL FOR A XXXX TO SEE THE RESULTS OF THE XXXX XXXX? PLEASE NOTE I WAS DIAGNOSED XXXX MONTHS AGO AND HAVE NOT YET BEEN XXXX.I AM OUTRAGED THAT A THIRD XXXX XXXX HAS TO WORRY ABOUT CONTINUED TREATMENT FOR A XXXX ILLNESS AND THAT THESE ITEMS ARE ON MY EXPERIAN CREDIT REPORT.AND THE HOSPITAL WHERE MY XXXX TREATMENT IS BEING DONE SAID THAT THEY HAD TO CHECK TO SEE HOW MUCH MY MEDICARE A & B WILL PAY FOR THIS XXXX UNDOUDBTEDBLY WILL CHECK WITH EXPERIAN THIS IS XXXX SHAME IN THIS COUNTRY. I WANT ACTION NOW WE WHO ARE ILL NEED PROPER HEALTH CARE NOT SICK TILL WE DIE CARE BECAUSE OR CREDIT REPORTS AND OUR COUNTRIES SO CALLED BOLONEY HEALTH SERVICES PLKEASE GET BACK TO ME ASAP I WANT MORE TIME IN THIS LIFE AND I DESERVE IT XXXX IT!!!!!!!!!!!!!!!
Product: Debt collection

American Coradius International LLC is demanding payment for a debt they allege I owed XXXX in the amount of {$630.00}. I never did any business with XXXX that could have resulted in any unpaid amount to them or American Coradius International LLC. American Coradius International LLC is using unfair and deceptive practices to collect debts that consumers do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job during Covid 19 XXXX of 2020, XXXX XXXX had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX needs to be removed from Experian report. It is over seven years old
Product: Payday loan, title loan, or personal loan

I have applied with the company and was denied due to incorrect informAtion on my XXXX  credit report. That information has been fixed but now the company is still using the old denial of incorrectinformation for denial and will not look at correct report and this is a violation
Product: Credit card or prepaid card

On XX/XX/XXXX my bank issued and mailed out a check to the Barclays World MasterCard credit card company in order to pay my account in full, XX/XX/XXXX I called the credit card company because they had not applied the payment to my account, they replied that they had not received it, but then proceeded to tell me they had opened up a case on XX/XX/XXXX to resolve a case on the lost check, mind you, they never informed me about a lost check. I have repeatedly called to them to check on my case. I have provided them statement and picture of back and front of the check. XX/XX/XXXX I called them to make sure they received picture of the check, they said they did not, but all of a sudden they then located the email, XX/XX/XXXX the first I called them again to see whats happening with the case, they said they have received the picture of the check and that within two to three business days itll be credited to my account, today XX/XX/XXXX I gave them a call, they said they had closed the first case and opened up another case and this will again take at least one full billing cycle to complete. I have called 1-3 times per week, their answers arent helpful and have not solved this case, this person that I spoke to this time isnt sure if they will find another excuse to not process the payment. The check amount is {>= $1,000,000}, in the mean time Ive had to make two more payments on this account, first person told me not to pay the balance, however it backfired on me, and now I have to continue making payments.
Product: Student loan

I applied for unemployment deferment in XX/XX/XXXX and after months of back and forth verifying my unemployment benefit amounts I was approved yet I keep receiving monthly billing statements. Although I received an email stating I was approved, nothing on my Nelnet account reflects the deferment- my balance shows as overdue, payment amount is incorrect, interest 's still accruing- it's all wrong. I called Nelnet on XX/XX/XXXX and they confirmed that my loans were still in deferment and said something along the lines of it being a system error and to not worry about it? 

On top of that, they haven't processed my XXXX application that I submitted on XX/XX/XXXX ... it's now XX/XX/XXXX ... i've been waiting FIVE months. I used to receive automated emails saying it's still processing and they'd reach out within the next 10 days, the 10 days would come and i'd get the same automated email. The emails eventually stopped coming until they requested more info on XX/XX/XXXX so I uploaded the required documents but didn't hear back. I called to check on things XX/XX/XXXX and they said they were experiencing an influx of applications but it'd eventually be processed. As of today, I STILL haven't heard a single update on my application status and they don't even have an option to view the status of the application on their site.
Product: Mortgage

For over 15 years an accounting errors from the SLS company have not credited my account with the pay down accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report today to find out that XXXX XXXX had pulled a hard inquiry on me in XXXX XXXX 2016. I have never applied for a discover card. I just spoke to them on the phone with their risk dept. I gave them the date of the inquiry and my personal information. They tell me that they have no record of e or an application from me. I am a small business owner. these hard inquiries have a lasting negative effect on my credit score. I want this inquiry removed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX : ( XXXX ) XXXX Subject : Urgent Dispute Fraudulent Inquiries Wrongful Eviction Record & Collection Dear XXXX XXXX XXXX XXXX I am writing to dispute multiple unauthorized credit inquiries that have appeared on my report, which are wrongfully preventing me from securing housing and damaging my creditworthiness and is being used unfairly to deny me financial opportunities. 
The disputed inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( on record until XX/XX/XXXX ) XXXX. XXXX XXXX XX/XX/XXXX ( on record until XX/XX/XXXX ) XXXX. XXXX XXXX XX/XX/XXXX ( on record until XX/XX/XXXX ) I have never applied for housing at these locations, nor have I authorized these inquiries. As per the Fair Credit Reporting Act ( FCRA ), a company must have explicit written consent to conduct a credit inquiry. If you can not provide proof of my authorization, these inquiries must be removed immediately. 
This Is Urgent I was recently denied housing due to these false inquiries, causing me financial and personal hardship. I request that you prioritize this dispute and provide a resolution within 15 days, instead of the usual 30 days, given the seriousness of this situation. 
I Request the Following Actions : XXXX. Immediate removal of these unauthorized inquiries. 
XXXX. A written response confirming their deletion. 
XXXX. If you believe these inquiries were authorized, provide copies of my written consent. 
XXXX. Cease and desist all reporting of this eviction record to tenant screening agencies, credit bureaus, and potential landlords. 
Failure to act on this request will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. I am also prepared to take legal action to enforce my rights under the FCRA. 
Please confirm receipt of this letter and provide an immediate update on my case. I expect this matter to be handled urgently. 
Sincerely, XXXX XXXX
Product: Mortgage

We filed an application for a loan modification in XXXX of 2016, but the application was too close to the sale date and was denied. We obtained a cancellation of the sale date because we filed for bankruptcy and immediately sent in a new application for a loan modification. We enlisted the assistance of the MHA who is trying to help us with a loan modification. The non profit organization accelerated the process and referred it to the escalation team, who tells us that they will not receive a response until the XXXX of this month. The bankruptcy was dismissed at the creditor 's meeting but that matter has been corrected and there is an emergency motion to reopen the bankruptcy scheduled for the XXXX of this month. The attorneys are seeking an order rescheduling the sale date, even though in the bankruptcy we also filed a Motion for Mortgage Modification Mediation program. That will be heard in the near future by the Court as well. I also corrected the errors listed by the Trustee. So, they are pushing for a sale date while a motion to set aside the foreclosure judgment is pending ; while we have the MHA office working on an escalated modification ; and we have the bankruptcy motion for mortgage modification mediation motion pending in the Bankruptcy Court. In other words, they are DUAL TRACKING.
Product: Credit reporting, credit repair services, or other personal consumer reports

This a fraudulent account appearing on my transition report. I tried reaching out to the contact info listed on my credit report but the reporting contact information is incorrect. the Transition agent confirmed the contact information was incorrect. 

XXXX XXXX XXXX is a fraudulent account and must be removed from my credit report right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, XXXX, Experian ) XXXX/XXXX XX/XX/2019, XXXX/XXXX  XX/XX/2019, XXXX/XXXX XXXX XX/XX/2019,. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Product: Mortgage

My mortgage was sold on the XX/XX/2018. The escrow had been improperly assessed. My new company Selene Finance LP has stonewalled me for over two months now on fixing the situation. They have incorrectly assessed my property tax wrong causing a shortage in my escrow. I have had three escrow anaylsis 's submitted. I have faxed over all tax information related to the two lots I own. On XX/XX/XXXX they sent me a new escrow analysis that corrected the property tax payments yet didn't factor in my home owners insurance. Then on the XX/XX/XXXX they fixed that but changed the property tax back to the original error. You are told one thing by a supervisor, XXXX XXXX, and then told another by other CSR 's and other supervisor 's. The latest I have been told is that they will open another inquiry. This has not helped in the past. I can't even reach a supervisor in the escrow department. Apparently according to customer service there is no way to reach one. This is a simple math fix but seemingly they can't do simple addition at Selene Finance. I won't give up, I want this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX Ny XXXX. I am a mother of XXXX and I am currently trying to purchase a home for me and my children. After looking at my report I see there are items being displayed on my report that Ive tried to fix. I see that there are damages on my report. According to 15 U.S. c 1681 law there should not be any damages on my report it is a defamation of my character.Please kindly remove these items from my report. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I no longer have access to my old email or my old phone number with credit karma and I need to reset my password with them and theyre basically advising me that theres no other way to reset the password except with those two options which I find to be ridiculous theyre not giving me the opportunity to send my identification or send any documentation to verify my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 -- Disputed a Public Record item appearing within my credit file with Transunion as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher or source of the information and in this case the original furnishers is/are : the XXXX XXXX  XXXX XXXX XXXX XXXX Alabama XXXX The original furnisher ( s ), the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Alabama, do not report to any credit reporting agencies to include XXXX, XXXX, Transunion, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information. This rule applies to All US Courts therefore any statements alluding to Transunion stating the information being reported within my credit file with their company as verified and accurate is an error or a lie. 
Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. **
Product: Student loan

What happened is simple. 
I have 3 loans. They are all owned/processed by " Mohela ''. 
I completely paid off one and I have almost finished paying off another. 
The outstanding balance on the final one is like {$10000.00}. 
When I completely paid off one last year, I accidentally overpaid. 
I overpaid by {$600.00}. 
That happened 6-7 months ago. 
I contacted them and got all kinds of bad information at first. 
They said they would apply it to my other loans. 
They didn't. They couldn't apparently. 
When a month went by and nothing was applied to my other loans, I reached out again. Some other representative at Mohela told me they'd cut me a check as a refund. He told me they couldn't actually apply the overpayment to my other loans. 
They told me it might take 90 days for me to receive my check. 
90 days came and went. I never received it. 
It's been over 6 months now. Still haven't gotten my money back. 
And you can't reach these damned people. I called today and they said the wait time was 4 hours to talk to a person. 
This is a legitimate business? 
They are crooks. Absolute crooks. 
They are holding onto a substantial sum of money they have absolutely no right to. 
They are thieves, no different from any common criminal out there.
Product: Mortgage

I was contacted by an agent, XXXX from First Direct Lending, in reference to a refinance. I was told that if i paid {$220.00} for the appraisal which would cost {$450.00} and if the loan did n't fund I would get back the money. I charged the {$220.00}. and sent in all documents requested and they stopped contacting me saying that my income was n't enough and I kept getting the runaround from them not returning phone calls, etc. Finally the sent me a document saying the loan was adverse and that I did n't qualify due to old delinquent credit history, and my income. I have contacted the agent and emailed him sent him a text regarding my appraislal fee refund and have not heard back from him.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the XXXX  XXXX credit to be readded To my Equifax credit file, Equifax took off my credit report I did not ask Equifax to remove this account please reinsert my XXXX  XXXX account last four of that account number is XXXX, please add this back it was not supposed to be taking off this is the second time this has happen
Product: Debt collection

I got a call from XXXX in XXXX, va who are collection on a debt I owed from a car down payment. When I told the rep I could n't pay the amount he wanted he told me he would just garnish me when I asked him was he a debt collector he told me no he was an attorney. When I called back I clearly got a pre recorded message stating they were a debt collector, in which I was never stated the mini Miranda when they called.
Product: Debt collection

This is XXXX years ago and after spending a ridiculous number of hours calling and talking to countless people including the fraud department i just got a letter from a debt collector over {$45.00}. I gave a tenant renting a room an eviction notice to leave in a week. A day or two later she called XXXX and said her name was XXXX  XXXX and that she was my wife XXXX Ive never been married ) they allowed her to set a XXXX or XXXX digit passcode blocking me from my own account. She was an authorized user on the account but not under the name XXXX  XXXX. Her and her boyfriend orders all kinds of XXXX and other XXXX  shows to XXXX XXXX my account being suspended. Thats when I contacted them and they wouldnt even discuss my account under my social with me. After days of calling they finally listened to what happened and they are the ones who told me about the phone call they got from my wife when she moved she took the XXXX receiver she had in her room I returned all others that were on the account. I thought this was all taken care of between me and them XXXX years ago. Like I told them I dont think I should be responsible for this they should not have allowed her to take over my account without verify any info or taking to me the account holder. That should never have happened