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

This is concerning. XXXX  XXXX XXXX XXXX and XXXX XXXX. 
Request for Charge-Off Removal Under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the charge-off listed on my credit report under the account number [ Account Number ]. Upon review, I believe this entry is inaccurate or incomplete, and I am requesting its removal or correction in accordance with 15 U.S.C. 1681i, the section of the Fair Credit Reporting Act ( FCRA ) governing the investigation of disputed information. 

Under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that you conduct a thorough investigation of this charge-off, as I have reason to believe that : The reported charge-off is either incorrect or has been reported with inaccuracies that require correction or removal. 
The account in question may have been paid, settled, or otherwise resolved but is being inaccurately reflected as an outstanding debt. 
In accordance with the FCRA, I request that you : Investigate this charge-off item and verify its accuracy. 
Provide me with the results of your investigation within XXXX  days of receipt of this letter, as mandated by the law. 
Remove or correct the inaccurate information if found to be incorrect or unverifiable. 
Please send me a written response to my dispute, including the findings of your investigation, and provide a copy of my updated credit report once the correction has been made. If you are unable to verify the accuracy of this charge-off, I request that it be removed from my credit file entirely. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

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

XX/XX/XXXX Subject : Follow-Up Dispute and Request for Detailed Investigation Description Dear CFPB, I am writing to follow up on my previous dispute filed on XX/XX/XXXX regarding inaccuracies on my credit report. The issues remain unresolved, and I am requesting a detailed description of the investigation process your agency conducted, as required under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ). Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

I recently reviewed my credit report and noticed that the account detailed below continues to show inaccurate late payments. According to my records, I made all payments on time for this account, and the reported late payments are erroneous. I kindly request that you reinvestigate this account and update the inaccurate information promptly. 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX High Balance : {$6300.00} ( Discrepancy : Does not match across bureaus ) Last Verified : XX/XX/XXXX ( Discrepancy : Missing in XXXX and XXXX XXXX Date of Last Activity : XX/XX/XXXX ( Discrepancy : Does not match across bureaus ) Closed Date : XX/XX/XXXX ( Discrepancy : Only reported by TransUnion XXXX Account Status : Closed ( Discrepancy : All bureaus show " Closed '' ) Last Payment : Missing in XXXX Credit Limit : Missing in XXXX Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on TransUnion XXXX XXXX and XXXX XXXX 
Violation of Federal Laws : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : My consumer report should not contain information solely as to transactions or experiences between the consumer and the reporting entity unless they are accurately reported.

15 USC 1666 ( b ) : Agencies must ensure periodic statements are mailed at least 21 days before the payment due date.

15 USC 1681i ( a ) ( 1 ) ( A ) : Requires a thorough reinvestigation of disputed information.

15 USC 1681s-2 ( a ) ( 1 ) : Prohibits the reporting of inaccurate information to consumer reporting agencies. 
Evidence of Error : I have attached my payment records and bank statements showing that all payments were made on time for the disputed months. These documents confirm that the reported late payments are inaccurate.

Request for Action : Reinvestigate the inaccurate late payment entries for this account.

Provide a detailed description of the investigation process, including verification procedures.

If you are unable to verify the late payments, update the account to reflect " Paid As Agreed Never Late. '' Provide documented proof supporting the late payment claims, including dates, amounts, and relevant communications.

Update my credit report within the timeframe established by the FCRA, Consumer Protection Act, and Truth in Lending Act.

Failure to address this matter accurately and within the required timeframe will result in further escalation. I appreciate your prompt attention to this issue and look forward to receiving a response within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the CRAs in XXXX regarding a dismissed bankruptcy on my credit report. They responded that they verified this information with US BKPT CT PA XXXX and/or USBK COURT WESTERN PENNS XXXX I found this is who they were verifying the information with because at the bottom of my credit report it lists all of the CREDITORS that they get/verify their information with. I contacted US BK CT of Western Pennsylvania via certified mail ( XXXX ) and received a letter from them stating that they do NOT provide information to the CRAs they also stated that they do NOT have a relationship with the CRAs. So to my confusion how are they listing this entity as the CREDITOR? If one they do not report this information, two they are not creditors ( A creditor is a party that extends credit or lends goods, property, services, or money to another party known as a debtor. The credit made through a legal contract guarantees repayment within a specified period as mutually agreed upon by both parties. The amount lent to the borrower may be subject to an interest rate, depending on its size and the lender. A creditor takes various measures to secure the loan amount if the debtor turns defaulter, like requiring collateral and placing liens on it. Creditors can be classified as secured or unsecured. ) Bankruptcy Courts are not creditors they do not loan money to anyone they do not extend credit or lend goods, property, services, money to any consumers, but yet that is who the CRAs are stating " VERIFIED '' the information on my CREDIT REPORT??
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted nelnet on XXXX20 company refused to investigate late payments on account sent letter saying i was using a credit repair company. Covid -19 has reduced my income and i cant afford to pay some one .im requesting that these late payments be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX two hard inquiries that needed to be deleted i was not aware or approve this transaction. please remove
Product: Credit card or prepaid card

in 2009 my interest rate was 9 % and i just got off the phone with my Chase ink company that said that due to the Credit card act of 2009 they were allowed to adjust rates as they see fit based on Credit history etc etc ... ... so since my variable interest rate has jumped from 9 % to 18 % to 28 % and I am told that is the highest its allowed to go as if i should be saying thanks. This is not fair to the consumers who are so busy with the daily lives to always be paying attention to the changes that are alway in small print. This is deceptive and should be looked into.
Product: Checking or savings account

I received two letters from Chase Bank about two grocery deliveries ( Claim numbers XXXX and XXXX that I disputed the charge for that required a signature at the time of delivery. I can promise you there was no signature or not my signature because I did not receive the items. 

I am requesting that Chase give mail me all of the evidence that they based this decision on. Now my account is overdrawn wrongly by {$86.00} this combined with them sending me an email that my account was overdrawn when it was not ( which I filed another complaint about ) is starting to look like a matter that involves discrimination.
Product: Credit card or prepaid card

I bought a sectional from ashley furniture. I paid XXXX cash down. When I got the bill my last name was not accurate. They had input XXXX ( the city in which I live ) not XXXX  my actuallast name. When I called  about it I learned the ssn on the account was wrong as well. The company is saying that they will change my ssn over the phone, taking my word for it. But the name change needs to be submitted via letter. I find it very odd that they will change the social which is the most important piece of information here based off of my word however my name change requires proof. I told them over the phone that if they are going to make me jump through hoops to change my name that they need to compensate me for my time since it was not my error. Isn't this considered credit Fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Equifax because of issues with their dispute decisions on accounts that were opened in my name. The accounts in question literally were opened when I was very much so under the age of XXXX, its not even possible for me to have opened these accounts but theyve told me that these have somehow been verified.
Product: Student loan

Navient encouraged me, as a borrower, to refinance multiple times rather than proceed with the income-driven repayment plan I had re-qualified for. 

Back in XXXX of 2021, after prequalifying for an income-driven repayment plan of $ XXXX for XXXX years and the remaining balance forgiven, Navient bombarded my email with notifications XXXX " Take Immediate Action '', " Congratulating '', and " Alerting '' me to complete the offer " before expiration ''. In my ignorance and anxiety caused by the urgency they were insinuating, I thought Navient was notifying me to begin my XXXX plan. However, after completing the process via the link they sent me multiple times, I was contacted by a representative with devasting news. Instead of encouraging me to move forward on the income-driven repayment plan I had looked into and prequalified for, Navient was actually urging me to move forward with refinancing my federal loan to a private loan that offers no income-driven repayment plan. Now, rather than the repayment plan of $ XXXX for XXXX years and the remaining balance forgiven, I am being told I owe $ XXXX for the next XXXX years. And because it's now a private loan I'm no longer eligible for any assistance based on my income. As a single mom of XXXX kids, this is completely unattainable. I've tried sharing my situation with various representatives and supervisors, I've even reached out to a lawyer and am being told my only option XXXX be to file bankruptcy! As someone with good credit and no other debts, this is both terrifying and completely unacceptable. 

Navient truly deceived and bullied me into believing I had to refinance. All I wanted to do was set up manageable payments to take care of my school loans, yet now I'm faced with this additional financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion requested my credit card information when I created an account. I figured it was for credit score purposes but no instead they charged me $ XXXX  monthly for four months straights for a service I was initially told was a one time fee of {$4.00}. No where did they state they charged a monthly fee. It was extremely difficult to cancel the membership and I am so upset by their lack of transparency.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, XX/XX/scrub>XX/XX/XXXX We are writing to inform you of a data security incident XXXX which your sensitive personal information may have XXXX accessed by an unauthorized third party. This notice provides information concerning the incident and the services we are offering at no charge to help you protect yourself. 
What Happened? 
On or about XX/XX/scrub>XX/XX/XXXX, XXXX identified a potential incident affecting its systems. We promptly took a series of steps to contain the incident, remediate the issue, contact law enforcement, and launch an investigation fo the incident. Through our investigation of the incident, we determined that between XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX, an unauthorized third party gained access to certain of our systems, including certain sensitive personal information stored in those systems.
Product: Mortgage

Physically went to the local branch to make what I thought would be the last payment only to reread the statement which indicated that the loan had been extended to XX/XX/XXXX ( I was making XXXX payment ). I asked the teller why it was extended which she then stated she couldnt access that information and that she would have to contact the research department. She would then contact me. In XXXX, I went back to the local branch and the teller stated that she dropped the ball but would contact the research department that day and get back to me. When she did, she said that the person from the research department stated that it was due to past hurricanes. I didnt accept that and waited to get information from the personnel there what agency I could contact to get to the bottom of the why it was extended. The head teller (? ) gave me the branch managers business card and instructed me to contact him the following week. Due to vacation plans, I didnt touch base with him until I returned from overseas. 

The local branch manager looked at the records available to him and commented that he could see 2 payments applied directly to interest. He went on say that he would be contacting the manager of the branch that prepared the loan originally. I waited a while and called for the status. The branch manager said that he had an email from the manager of the originating branch in which she indicates that there were 3 authorized skip-a-payments during XXXX - XXXX by my husband which I doubt as he was not one to handle the household finances but I am willing to give her the benefit of the doubt. After a few more phone calls to get status updates, the local branch manager said that the manager of the originating bank would call. I asked him to give my cell phone number to the manager of the other bank and also to let her know that she could leave a voicemail message on the phone and Id be happy to contact her. To date I have not heard from her. 

Please be advised that I have made payments up to and including the XXXX one. There is still a small balance left, my credit score has been lowered because of late fees being applied as I continued to try to get answers, FYI-the local branch manager said he would cancel the one from XXXX but then retracted that saying he was not authorized to do so and that the manager of the originating bank would have to approve that action and he could only request it.
Product: Mortgage

To whom it may concern, Our property taxes went up, we were never notified by Caliber home loans, we paid a mortgage payment {$160.00} short and they marked the whole payment late as they refused to apply the funds to our account which is predatory as they and reported it to the credit bureau 's and my and my wife 's credit went down XXXX points each- all over {$160.00}, they had over {$4000.00} unapplied on our account and chose to mark us late which is not accurate. We also have {$2500.00} in escrow. This is a gross misrepresentation and abuse of power by Caliber Home Loans We have never paid our mortgage late and we didn't pay the mortgage late, it was short and we rectified the issue, now they will not return our calls to have this fixed with the credit bureau 's as we are in the process of taking out a loan for legal fee 's in order to have my children removed from their mother who has lost my autistic daughter multiple times. 

I believe Caliber Home Loans made a false representation to the credit bureau 's, our mortgage was short an immaterial amount and they had the bulk of the mortgage payment in their account and falsely reported us late when we were not.
Product: Checking or savings account

I switched to Huntington because I needed a bank in XXXX where I recently moved to. I have direct deposit and a Checking and Savings account. I received my direct deposit pay on XXXX. I made a large payment and then I had a check that I had to cash for {$1000.00}. I deposited it into the atm around XXXX. That was my only option because they do not ever have extended hours and it is hard for me to get to a bank during my work day. I figured that it would not make all of the funds available but at least a small portion. After I got my balance, I saw that nothing was made available. I was hoping that it would be available the next day after the bank opened. What I got was an email saying that the funds would not be available for 7 days. There is now a hold on my account. I called the local office. They do not answer their phones. The only option is to leave a voicemail for a return call which I did not receive. I had to call the XXXX number. I got a representative and he had me on hold for an extremely long time then came back and said that they could not release any of the funds nor return my check. I asked to speak to a supervisor and spoke with XXXX. I told her that I needed groceries and my medications. She refused to make any of my money available nor help me get my check back so that I could take it to my other bank account in XXXX. I feel that if they want to be so highly cautious, then I should have the option to take my check elsewhere. Unfortunately I live paycheck to paycheck. Because of this extremely long hold ( in this day and age ) my internet bill, phone bill will not be paid and I will incur service restoration fees. This whole matter is going to cause me a considerable amount in fees all because they could not make a small amount of my money available to me. I know they can because my other banks do so. And again, if they can not cash my check in a reasonable time or make my funds available, then I should have my check returned to me so that a more modern bank can cash it for me. I should not be held hostage and broke due to their outdated policies.
Product: Debt collection

Did not provide enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract but have been met with the same verified as accurate response without the documentation that I requested, continuing to damage my credit report.
Product: Checking or savings account

XXXX of a fraud On XX/XX/XXXX my bank account got 3 cash withdrawal charges from XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Im from maryland i live in maryland and ive been in maryland the whole time this was happening. I was at work. I got home around XXXX on XX/XX/XXXX. At around XXXX i went out to go to citibank and deposit a check to pay for my car and an error message pop out at the atm. When i checked my account thru mobile app thats when i saw the withdrawals that had done. I called citibank to dispute this charges and froze my account until i get the new bank card that theyre gon na send me ans give provisional credit while they initiate an investigation. On XX/XX/XXXX i received a letter from citibank that my disputes are denied. Citibank XXXXtatedbi have possession of my card and need a PIN to use at the atm and activities on my banking is consistent. On XX/XX/XXXX they took the {$1300.00} back. This withdrawals happened in florida and im in maryland how can a person withdraw money from maryland to florida in a few hours?
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are not mine. I have no idea why it is listed to my report. I surely believe that these accounts are FRAUD or either somebody with the similar name. I already filed an FTC report and this is the FTC Report 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 am trying to shop for a house and in my credit report pops up a voluntary repossession of a car with the same company i bought a car someone had use my previous identification to make that loan so i am trying to remove it from XXXX  which is the one that is giving a hard time and obviously sent it directly to the company which is stating that i have the loan on my car
Product: Money transfer, virtual currency, or money service

I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Cash App, operated by Block Inc., due to inadequate customer service and practices I believe to be unfair and potentially in violation of federal laws and regulations, including the Electronic Fund Transfer Act ( EFTA ) and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions under the Dodd-Frank Act. My experiences highlight serious concerns about the companys treatment of consumers, its handling of disputes, and its lack of transparency. these actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Mortgage

We have had this mortgage since XXXX and we have always had an escrow account to pay our taxes and insurance. The mortgagor did not pay the homeowners insurance again. Stating that they did not receive a bill from XXXX. Well according to XXXX they had the address that they have always had which is an address in XXXX XXXX, SD not XXXX, WY. SO when I contacted the mortgage company they told me that it was my fault that they did not receive the insurance bill to pay it. That it was in our mortgage contract that it is our responsibility to make sure that they receive the bill. Now keeping that in mind we have had the same homeowners insurance much longer than we have had this mortgage company. So if they received the bill the last 3 years and paid it ; they should have received the bill this year and paid it. Also the mortgage company says it has 30 days after the due date to ay the bill. That is the biggest lie I have ever heard. That is not the case and XXXX confirmed that. I do not appreciate paying a mortgage company for escrow when they refuse to take responsibility for paying the homeowners insurance.
Product: Debt collection

I have been called 3 times this company. They are looking for XXXX or XXXX XXXX. I am not XXXX or XXXX XXXX. I have told them 3 times that I am not XXXX ( I am female ) nor do I know a XXXX or XXXX XXXX. All 3 times I have told them to remove my telephone number from their calling list and all 3 times they have stated they will put this is the wrong number in this file and discontinue calling me. The newest call was yesterday at XXXX - XX/XX/18. They have called from the following telephone numbers XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by T Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally prot consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Debt Account Number : Account Number : XXXX