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

I am writing to follow up and to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. At that time, I provided all the necessary documentation to demonstrate that these late payments were not valid or were the result of extenuating circumstances. However, despite my efforts, these late open accounts continue to be inaccurately reported on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. Please help me conduct a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. I would like you to assist me also about this matter and provide a written response within the legally mandated 30-day timeframe, confirming the correction of the late open accounts on my credit report. Please consider the significance of this issue and its impact on my financial well-being. I appreciate your immediate attention to this matter and your commitment to resolving it promptly. Please help me correct the XXXX accounts immediately : XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX  XXXX Balance : {$5200.00}.
Product: Student loan

I called on XX/XX/XXXX and submitted via uploading Verification of Income doc from Social Security my proof of income and was told my payment meets income guidelines for {$0.00}. 
I called on XXXX because my payment is set at {$30.00}, obviously not {$0.00}. Claim it takes 6-8 weeks to process & when I asked how it went from over {$1900.00} to {$30.00} in ten days the customer service rep redirected and never answered my question. 
I called on XX/XX/XXXX and again asked why I still had {$30.00} payment due in XXXX when I meet the income guidelines for {$0.00}. Asked what would happen if I didn't pay it, was told it would remain there as not paid even when my IDR was processed and changed to {$0.00} which the customer service rep wouldn't quarantine, even though I meet the income quite lines. 
The first two all I neglected to do the wait time but each was at least 1 hour. The third call lasted over XXXX XXXX hours, over 3 hours was being on hold.
Product: Mortgage

Guaranteed Rate originated our home mortgage loan. The loan was held temporarily with their Short Term Loans Department and then transferred over to their Long Term Loans Department. We made our first two mortgage payments by mail and on time with the lender provided payment coupons that we received at closing. The first two payments were received and cashed by the Short Term Loans Department which then should have been applied to their Long Terms Loan Department ( according to Guaranteed Rate ). This is  where payment history confusion ensued. Guaranteed Rate shows us as overdue on one of the first two payments despite both payments being withdrawn from our bank account by them. We have been in contact with Guaranteed Rate to help then resolve their accounting issue for approximately one month. No progress has been made and we have been told a different story every time we've been in contact. Attempts to assist have been met with negativity and poor customer service from staff supervisors. We were also reported as delinquent on a mortgage payment ( one which has cleared our bank account ) to the credit bureaus. Guaranteed Rate presents as a tangled mess to it's customers and has failed to act timely in resolving an issue that they have created and then inaccurately reported their customer ( us ) as delinquent without empathy or concern for the long term impact of delinquent reporting.
Product: Credit reporting or other personal consumer reports

I am writing regarding inaccuracies I found on my credit report concerning my XXXX XXXX After reviewing my report, I noticed information that I believe does not comply with federal laws under the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to dispute this account ( s ) under FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), as well as 15 U.S.C. 1681c-2.

I believe the XXXX XXXX XXXX XXXX XXXX listed on my report is inaccurate, and I am requesting an immediate investigation and removal of the information from my credit report. Section 605B grants me the right to dispute accounts due to identity theft or erroneous information, while Section 615 ( f ) and 623 ( a ) ( 6 ) emphasize that information provided to credit bureaus must be accurate and complete. Under 15 U.S.C. 1681c-2, this information must be corrected promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.
Product: Student loan

The school I attended is closed. It is on the list from the Department of Education for student loan forgiveness. 
XXXX XXXX XXXX XXXX, who was the owner of the XXXX XXXX XXXX XXXX plead guilty XX/XX/XXXX to charges of bank fraud and tax evasion. 
I was persuaded to get a private loan through XXXX  XXXX XXXX and promised a {$4000.00} grant by expediting the loan at a certain date. ( XX/XX/XXXX ) What I was not told was the loan would start accruing interest the moment it was dispersed. School did not begin until the end of XX/XX/XXXX. My loan was originally {$57000.00}. By the time my loan entered repayment the amount had grown to {$61000.00} ( XX/XX/XXXX ). The grant money was no benefit. 

Payments started XX/XX/XXXX. In over twelve years I have paid over {$26000.00} in interest alone. There is no set APR and the rate continues to rise.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is not responding I dont believe they are still in business!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Customer Financial Portection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with errors resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, AL 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 XXXX0}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. On or about XX/XX/2022, XXXX purportedly sold account number XXXX to XXXX XXXX XXXX. XXXX indicated that the account was charged off, and {$10000.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX. XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. Including the tradeline on consumer reports makes it Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized twice for one offense, which is tantamount to Double Jeopardy in criminal law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information reported by XXXX XXXX on my credit report, specifically regarding the account with the account number XXXX. According to my records and my understanding of my financial obligations, there are significant inaccuracies in the way this account is being reported. 

XXXX XXXX has reported this account as a " charge-off, '' indicating that they have written off the debt as uncollectible. However, the account is still being reported with a balance, which is not in alignment with the definition of a charge-off. A charge-off typically implies that the debt has been deemed uncollectible and has been closed or settled. 

I am formally requesting that the reported account be immediately deleted from my credit report for the following reasons : Inaccuracy of Reporting : As per the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit reporting agencies. Reporting a charge-off account with an outstanding balance is misleading and does not accurately reflect the current status of the debt.

Violation of FCRA : The reporting of this account with an outstanding balance may be in violation of the FCRA, which requires that information reported to credit bureaus is both accurate and complete. Inaccurate reporting can have a significant adverse impact on my creditworthiness.

Impact on Credit Score : The inaccurate reporting of this account negatively affects my credit score, making it difficult for me to secure credit, obtain favorable interest rates, or access various financial opportunities. 

I kindly request that you investigate this matter promptly and remove the inaccurately reported account from my credit report. Please provide written confirmation of the deletion to my address mentioned above. 

Additionally, I request that you notify XXXX XXXX of my dispute and request that they update their reporting to accurately reflect the status of the account as a charge-off with a XXXX balance. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Please find enclosed copies of relevant documents that support my claim.
Product: Credit card or prepaid card

Comenity Mastercard- I am unable to sign in to my account or make a payment on through their XXXX website. When I call, they can not find my account and therefore I can not make a payment. They have sent me two statements during this time, so my account is somewhere in their system. My amount due has doubled even though I am unable to pay since they are unable to find the account to attach the monies. 

I had fraud on the account and I am unable to see if those charges were reversed.
Product: Mortgage

During XX/XX/XXXX, Nationstar Mortgage advised me to let my mortgage payments fall behind 4 months so that they could help me with a modification. The home was purchased in XX/XX/XXXX and our mortgage was transferred 2 times before Nationstar became the company that serviced our mortgage. In XX/XX/XXXX, my husband was unable to work any longer due to a XXXX XXXX. We were forced to use Nationstar for a modification loan to keep our home. At that time we were advised to not make payments so that we would qualify for a modification. We chose to file bankruptcy chapter XXXX in XX/XX/XXXX but did not include our home. Nationstar would let our paperwork " expire '' and then tell us they were foreclosing and then we would submit mod paperwork again and the cycle continued for 2 years. We now have an outrageous house payment and they inflated our payoff saying that they had to add back the past due balance and to get our payment lower we had to go for 40 years. We have had nothing but trouble with this company and they make it almost impossible to refinance or sell without losing money. They take advantage of people especially if they are in a tough financial situation. Nationstar is a predatory loan company. We are now upside down in our loan and probably will never have any equity in it. Stay far, far away from Nationstar Mortgage. If that is your only option to purchase a home, then wait until you find another lender. They will ruin your credit and any chances to ever buy another home.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error -The creditor 's mistake in not accurately showing a payment or credit that the consumer made on their account statement.

-A billing error under the Fair Credit Billing Act ( FCRA ) that is caused by a creditor 's computational or accounting mistake. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide consumers with at least 21 days ' notice before reporting a late payment. Since I did not receive this notice, I am demanding to see hard evidence from the creditor 's bank account that I did not make the required payment and that the late payment was in error. 
I request that the following items on my credit report be updated to reflect that they were paid as agreed. 
1. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. This late payment status is irrelevant XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts on this letter updated immediately. If you do not comply, I will file a lawsuit in small claims court in my city and state seeking monetary damages for your violation of my rights. 

Sincerely, XXXX XXXX XXXX Please see the attached file.
Product: Debt collection

The company claims they have my second XXXX debt, however, the amount they are trying to collect is way off. I only purchased a {$400.00} phone and my last statement balance, prior to it being sent to collections, was {$520.00}. 

They make unreasonable, predatory offers and are unwilling to settle for {$300.00} amid covid. I think it is a generous offer considering they purchased the debt for pennies - if they legitimately own the debt. 

Please help me remove these XXXX leaches ( my second complaint ) off of my credit report. They placed a derogatory mark, it is hard for me to rent an apartment or do anything for that matter. I had some tough times and had to use my credit cards, unfortunately. These entities are horrible to deal with.
Product: Debt collection

I received a alert my credit score dropped. When I called they would not remove from my credit report even if I paid it. I believe it was a simple mistake that it was my xwifes and not to my adress and I was never called and they had my number. They then use a tactic that if I pay they mark it as closed but it stays on my report for 7 years. They told me thats the LAW. Its not the law. Law states all mistakes must be removed.
Product: Credit reporting or other personal consumer reports

I woould like for all of my of my information on my credit report to reflect the correct name, address, social security number, phone number. 

I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. 
1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. 
2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. 
3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. 
4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. 
5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights. 
6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS XXXX XXXX  XXXX XXXX CA XXXX Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent INQUIRIES SYNCB/AEVISA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX  USC 1681i 15 USC 1679c
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap ... XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ),
Product: Money transfer, virtual currency, or money service

I became a victim of scammers when transferring cryptocurrency through Coinbase. I lost all my funds and also borrowed funds for a total of {$100000.00}. I am attaching a letter to this complaint describing the situation in which I found myself. This letter also contains my transfer transactions. 

I tried to solve this problem through Coinbase, but at first I filled out the complaint incorrectly, then when I tried to send the complaint again, there were technical problems with my email linked to my Coinbase account and my account was blocked. All my further attempts to contact the support service ended with the answer that the case had already been reviewed and closed. In fact, I did not have the opportunity to send all the materials I had on this case to Coinbase.