23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not received my payment vouchers to mail in my monthly mortgage payment. Each month I have called and spoken to a customer service rep. I was told they would overnight the voucher to me. In the XXXX months I have done this, not one overnight letter has arrived. And, I don't mean just late, they have not arrived! I called Tuesday, XXXX XXXX and was again told they would overnight the payment voucher. On XXXX, XX/XX/XXXX, the voucher had not arrived. I filled out a customer service complaint with SunWest Mortgage. I received a phone call from a customer service manager. He assured me it had been sent. However, it had not, just like the two previous months. SunWest Mortgage is a collection agency. If they show a pattern of late or non-payments, they can foreclose on my mortgage. All phone calls are recorded. They are not sending payment vouchers, nor are they overnighting them.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Information under the Fair Credit Reporting Act Dear Sir/Madam, I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( FCRA ). The information in question is related to the account listed below : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Discrepancies : Status and Status Updated : The account status is listed as " Paid, Closed/Never late '' with a status update date of XX/XX/year>. However, there is no mention of any balance updates or recent payments, which is required for completeness under 15 U.S.C. 1681e ( b ).

Balance Information : The balance and balance update information is missing. For accurate reporting, these details should be provided, ensuring maximum possible accuracy as per 15 U.S.C. 1681e ( b ). 

Recent Payment and Monthly Payment : The recent payment and monthly payment details are not specified. Accurate reporting should include these details to reflect my payment behavior accurately under 15 U.S.C. 1681e ( b ).

Terms : The terms of the account are not specified. This information is crucial for understanding the agreement and obligations under the account. It should be accurately reported in compliance with 15 U.S.C. 1681e ( b ).

Highest Balance : The highest balance is listed as {$25.00}, which might be correct but needs to be verified for accuracy and completeness under 15 U.S.C. 1681e ( b ).

Payment History : The payment history shows the account as " CLS '' ( Closed ) in XX/XX/year>, with no other payment details provided. This incomplete payment history fails to provide a full picture of the account activity, violating 15 U.S.C. 1681e ( b ) regarding accurate and complete reporting.

Requested Action : I request that these discrepancies be investigated and corrected under 15 U.S.C. 1681i. Specifically, I request the following : Provide accurate balance and balance update information.

Include recent payment details and monthly payment information.

Specify the terms of the account.

Verify and correct the highest balance reported.

Complete the payment history with accurate and detailed information.

Please investigate this matter and correct the inaccurate information as soon as possible. I request a written confirmation once the changes have been made. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if any of the disputed items are found to be inaccurate or incomplete, they must be promptly corrected or deleted.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I went back to school during the COVID forbearance ( in XX/XX/XXXX ) which put me into an in-school deferment. This can be confirmed by the notice I received from Great Lakes on XX/XX/XXXX which I've attached to this complaint. The notice states, " Your request for deferment has been approved and has been applied to your accounts through XX/XX/XXXX. '' Towards the end of the letter it reads, " You can cancel this deferment at any time by calling us. '' Given the ongoing COVID forbearance, I have looked into the PSLF program and its temporary waiver. I understand that time spent in an in-school deferment does not count towards PSLF-eligible payments XXXX I have been working full-time for a PSLF-eligible employer since XX/XX/XXXX. I want to take advantage of the PSLF program and hopefully get these 2+ years to count towards the 10 years needed for forgiveness in the PSLF program. 

Today, I called Great Lakes to ask if they could remove the in-school deferment on my account. I spoke with multiple people and each one told me they could NOT remove the deferment on my account. When I asked why, I got different reasons, including : - I needed to be in an in-school deferment period in order for them to remove the deferment on my account ( I told them that according to the communication I received in XX/XX/XXXX, I should still be in an in-school deferment period - they said I wasn't anymore, even though I never received any updates or communication about this change in status ) - They can't retroactively remove the deferment on my account, even if I was still in an in-school deferment period ( The notice I received clearly states that I could call them at any time to remove the in-school deferment status ) Based on the communication I received from Great Lakes back in XX/XX/XXXX, I should be able to remove this in-school deferment status at any time, which is what I'm trying to do, but the representatives I have spoked with told me that they can not.
Product: Debt collection

This company AVANTE was placed on my credit report and i was miffed to see that they just showed up on my consumer report recently. I have never heard of this company nor have I done any contractual business in any way shape or form. I've sent two certifed letters requesting a true and accurate investigation to verify this alleged debt was furnished legitimately that i supposedly owe and to no avail was left with no response.

I never received a letter within 5 days of me disputing the validity of this alleged debt. I want this account closed in your office and permanently removed from my transunion consumer profile and not sold per my cosumer rights and fcra guidelines.
Product: Checking or savings account

My account has been frozen by the bank, which is Bank of America I cant access my funds. Ive also been told by the bank that my account has been frozen for fraud since XX/XX/2023 XXXX of the month I have also tried numbers of times to try to find out why its been frozen they keep give me 3 to 5 business days, not even telling me why and I cant access my money and I cant draw it out. I transfer money from my checking to my savings which is all cash and I was not able to withdraw it or move it and no ones telling me why I went to the bank multiple times which is three times and I have not gotten an answer through the bank call risk protection I havent got not gotten any answers. No one has gotten back to me to even tell me why just keep putting me off. Im hoping to get this resolved my account has {$600.00} in it which I can not access. Im Also XXXX, and I need these funds to be released to pay my rent.
Product: Credit reporting or other personal consumer reports

On my credit report, Bank of America has put a late payment on my account on XX/XX/XXXX when my account was paid and closed in XXXX. I need them to remove this late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several disputes were made to Experian in relation to an account that had to be removed since XX/XX/2020. Experian is reporting negative information that does not correspond to me. The original account belongs to XXXX XXXX  and it was settled.
Product: Credit reporting or other personal consumer reports

I have noticed several items on my credit report that I do not recognize. It appears that someone may have XXXX XXXX XXXX, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant XXXX. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Product: Credit reporting or other personal consumer reports

I request copy of signature everything from these illegal accounts! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 This bankruptcy is past the statue of limitations and needs to be removed asap!! according to FCRA USC! 5 1681li ( a ) 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/year> I received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. Im a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Each day your company refuses to investigate the incorrect item is causing me stress. Im asking you for a second time to please investigate the negative accounts listed above.

I think 30 days should be long enough for your company to complete this investigation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address multiple inaccuracies in my credit reports across XXXX, XXXX, and Equifax. These inaccuracies stem from identity theft, which has resulted in fraudulent accounts and derogatory information being reported under my name without my consent or knowledge. Despite prior disputes directly with the bureaus, the inaccuracies remain unresolved, prompting this formal request for assistance from the CFPB. 

Accounts in Dispute : 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 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 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: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX 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 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a duplicate acct on my credit file from XXXX XXXX that they have failed to validate..I have previously disputed this info 30 times with no relief in site... I would like equifax to follow the law and valid the acct or remove it.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail about a up and coming bill For a new account that I didnt authorize and I went to check on my credit report to see if indeed it was aligned and it was from reprise financial
Product: Credit card

Thank you for considering my problem, I had XXXX credit card accounts with citi. When my wife and son XXXX I applied for a program to modify my payments on XXXX of the cards. That program closed my account but reduced my interest to 0 %. I entered into auto pay programs for both account. I kept the XXXX account open even though the interest rate was 29 % because I would occasionally need to use the available credit. I have XXXX year old boys and have had inconsistent work since the tragedy in our family. Recently citi informed me that they were closing my second account. Their reason was I had entered into a payment program with them on the other account. This outcome was never presented as a possibility when I entered into the agreement. I had approached them about entering into a similar program where I would pay off the entire principal at 0 % interest. I was told by the person assisting me that due to the way my account had been closed there was nothing that could be done other than let my account go to collection. Citi advice was then to allow my credit rating to be effected negatively in the hope that I could enter into a program to pay off a debt made up mostly of usurious interest charges. This seemed unfair. I request help. Thank you.
Product: Money transfer, virtual currency, or money service

I was made aware of a concern of XXXX in XX/XX/XXXX, after receiving a Notice of Deficiency from the IRS. Per the notice, I reached out to Block, XXXX ( XXXX XXXX ) to inquire about this in XXXX of XXXX and was told that this XXXX was attributed to Cash App account identified as a Business. XXXX revealed under Cash App ( XXXX # XXXX ) that the representatives had no idea how/when/why my Cash App was switched from personal to business. On that day they corrected the status back to personal. I also completed an affidavit for identity theft along with a XXXX party consent for the IRS to reach out to the company ( Cash App ) directly on my behalf. That concern is still being reviewed and investigated. Now yesterday, I receive information from the State of Maryland  stating that I did not disclose XXXX information for years XXXX and XXXX. 
I again reached out to Cash App inquiring and asking for them to amend/correct the XXXX 's for XXXX, XXXX and XXXX. To no avail. I began dealing with Cash App in XXXX as a personal account. I do not know when/how my account was transferred to a business account and Cash App XXXX XXXX are unable to tell me. I believe that their records should be able to show the exact date/year that this account was changed to business and furthermore who changed its status. I am being severely penalized by the IRS and the State of Maryland because of this error and I need help. I am asking Cash App to conduct a thorough investigation into my account to determine when my accounts status was changed and by whom. In addition, I am asking them to supply me with an amended XXXX for years XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Request for Immediate Deletion Due to Experians FCRA Violations Reflecting CFPB Case No. XXXX Complaint : Dear CFPB, I am filing this complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to a dispute about inaccurate reporting on my XXXX  XXXX account ( Account Number : XXXX ). Experians handling of my dispute directly reflects the systemic issues highlighted in CFPB v. Experian Information Solutions , Inc. ( Case No. XXXX ), including inadequate investigation practices, failure to ensure accuracy, and vague dispute results. 

Background of the Dispute : The XXXX XXXX account in question was charged off on XX/XX/year>, but it continues to be inaccurately reported as both charged off and past due. This dual reporting is inherently misleading, as a charge-off is a one-time event and does not indicate ongoing delinquency. Despite submitting multiple disputes and evidence, Experian has allowed this inaccurate reporting to persist, causing harm to my creditworthiness and financial stability. 

How Experians Actions Reflect the CFPB Lawsuit Allegations : Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ) Experian failed to address the core issue of my dispute : whether reporting both a charge-off and a past-due balance is accurate. Instead, they relied solely on XXXX XXXX  response without conducting an independent evaluation. 
Over-Reliance on Furnishers Responses Experian deferred entirely to XXXX XXXX  verification, despite my evidence that the reporting is inaccurate and misleading. This mirrors the allegations in CFPB Case No. XXXX that Experian relies excessively on furnishers without independently verifying the accuracy of disputed information. 
Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) Experian has not taken steps to ensure the maximum possible accuracy of my credit report. The simultaneous reporting of a charge-off and a past-due balance creates a false impression of recurring delinquency. 
Inadequate Consumer Notifications Experians dispute results letter provided no explanation of the investigation process, the steps taken to verify the information, or why the account remains unchanged. This lack of transparency aligns with the CFPBs allegations against Experian.

Harm Caused by Inaccurate Reporting : The misleading reporting of this account has caused significant harm to my credit score and financial opportunities, creating an unjust portrayal of my credit risk for potential creditors. 

Requested Resolution : Given Experians inability to resolve this issue and their violations of FCRA standards, I request the immediate deletion of this account from my credit report. This is the only fair resolution to prevent further harm to my financial well-being. 

Thank you for your attention to this matter. I look forward to your prompt action to address these issues. 

Sincerely, XXXX XXXX
Product: Debt collection

I am not liable for this debt with Southern Management Systems. I do not have a contract with Southern Management systems, Lp they did not provide me with the original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Chase Covid-19 protection plan they state that any late payments will not be reported. I took this information from their website. On my home equity line of credit they are showing my home equity line of credit worst payment status as 30/60/90 days late when it should say current and in the times section 1 for over 30 days. it states below it should read as deferred. payment history is also stating a late payment in XXXX of XXXX. What's the point of going into this program if they will report late payments on your credit report? Need this changed based on the info below available on their website. 
During the assistance period, well report any delayed payments as deferred, not late or missed. You can get information on your credit score by going to XXXX Mortgage Deferment ( Opens Overlay ) or by calling XXXX at XXXX. Your payment history, including payments delayed under this assistance program, may impact your eligibility for future credit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX. 
XXXX XXXX - XXXX. 
XXXX - XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX violated my rights under the Fair Credit Reporting Act. I did not know that I had a right to dispute this debt. I do not owe this debt because I do not have a contract with this company. My account was sold to them therefore I do not owe any money as I did not sign anything with them therefore they can not collect any money from me.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX  ( Original Creditor : XXXX XXXX  ) Account Number : XXXX, and so on.