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

XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Box XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been sending on time payments to SLS monthly since XXXX 2014. I have an issue with their record keeping as they still show that my next payment due isstill owed. I have paid {$2000.00} per month up until last month and rather than applying thefunds, just suspend the additional money. I have had to call them everymonth to request that they apply the funds to the principle. It is extremely difficult to follow their record keeping to the point that I am not sure that my balance isactually correct. Is there any way I can request an audit? I am veryfrustrated with this company.
Product: Credit reporting or other personal consumer reports

When I reviewed my updated credit report, I discovered that there is information which is erroneous. The 3 credit bureaus must validate these accounts. It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$2500.00}, XXXX/XXXX  XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$700.00}
Product: Payday loan, title loan, or personal loan

I had taken out an installment loan and not a payday loan with a company online called XXXX XXXX XXXX. On XX/XX/2018 I borrowed {$2400.00} to be paid back in instalment payment with interest. Once I received the loan the company never gave me a detailed amount for the 12 month period. So, when I received the installment bill it was more than my mortgage amount. I lived on a fixed income once a month because I am a XXXX  and XXXX XXXX veteran. When I made my first payment in XX/XX/2018 I made a {$400.00} payment. In XX/XX/2018 I made {$150.00} payment towards the {$2400.00}. I was in the hospital in the month of XX/XX/XXXX because I had XXXX, therefore, I didn't make a payment in XX/XX/2018. So, I went to make a {$150.00} payment on XX/XX/2018, for another {$150.00} I saw the billing statement and it went from the {$2400.00} to {$4800.00}. If had an idea that the company was charging their clients that type of interest I would have never would have borrowed that money. I am already in chapter XXXX for the next 3 years that I can't afford to pay back what this company is asking of me. and I think the company if ripping me off by not applying any of the money towards what I had borrowed. So, right now I need your help, please!!! By the way, I did tell the company in XX/XX/2018 that I could not pay the amount that the company was asking for each month, however, that I would continue to send in a payment each month until my loan was paid in full. I always pay my bills and I am trying to be honest with this company but they are giving me nothing but grief. So please help me.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX 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: Mortgage

I had a change in insurance for property XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX loan number XXXX. The XXXX company did not renew the insurance due to high-risk areas and I was only given a month to find another carrier. I found a new insurance underwriter and the evidence of insurance was provided to PannyMac. 

The insurance company has added {$160.00} to my escrow account even though I have already paid for the annual insurance fee in advance and proof of payments has been shared with PennyMac. 

I have written multiple emails and I am not getting any plausible response. I have also called their customer service and they transferred me to the insurance dept and made me wait for a long time and have not been helpful. 

As a result of the misdeed and negligence caused by the mortgage company PennyMac, I am filing this formal complaint for a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 my XXXX XXXX collection account balance was settled in full with XXXX XXXX, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the XXXX and Experian records are still reflecting a {$2500.00} balance owed. I contacted XXXX to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XX/XX/XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from XXXX XXXX ( password XXXX ) and letters to XXXX ( local and national ) are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX   XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( XXXX, XXXX, and Transunion ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!
Product: Credit card

changes banks through chase amazon card, autopay setup after change, but chase processed payment with old account twice, didnt realize they '' re mistake until XXXX XXXX XXXX score change, chase failure on they '' re part didnt make me aware until after they reported it to reporting agencies, paid the {$20.00} and closed account, filed a dispute with both XXXX and XXXX, and insult to injury chase sents me credit journey report and lowers credit score. its they '' re failure to process autopay not mine.
Product: Credit reporting or other personal consumer reports

Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX  : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



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

the date open on this account is being reported as XX/XX/XXXX which is incorrect. its now XX/XX/XXXX but this account is showing an updated status of XX/XX/XXXX. 
its also showing late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was not late on any of these months but cant get reporting agency to verify that i was indeed late. the balance reporting is also inaccurate
Product: Credit reporting or other personal consumer reports

My persistent efforts to address these concerns have yet to yield a resolution. Your firm 's response to my letter directed to the credit bureaus suggests that my request for verification of inaccuracies on my report is being labeled as " frivolous '' or " irrelevant. '' It is crucial to emphasize that I do not consider a matter of such personal significance to be frivolous or irrelevant. If my initial request to verify the items outlined in my previous certified mail is disregarded, I am prepared to escalate the matter by filing a complaint with the Federal Trade Commission against your company. Therefore, a thorough reevaluation of the following information is essential. I respectfully demand validation of the alleged item, specifically the contract, note, or any other document bearing my signature. In the absence of such validation, I insist on the swift removal of these items from the report.
Product: Vehicle loan or lease

Flagship Credit Acceptance hasnt reported a payment on my XXXX account since XX/XX/year>, hasnt been reporting my loan at all on XXXX, and says I paid my loan off on XXXX. They also have returned two of my payments the past two months, the first time saying I entered the wrong routing number Ive been using for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus are not reporting accounts I am on personally and also as an Authorized user. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The above are all credit card accounts. I have had the cards for over one year. 

They were reported previously and now they have disappeared.
Product: Student loan

I have been making over payments for many months. I receive conflicting information about how these payments will be handled. At this time, a very small amount is being directed towards principal, in spite of my large over payment. I was told the system was n't recognizing the over payment because I was paying split payments every two weeks. Additionally, in XXXX my account was placed on forbearance without my knowledge or consent. When I requested the forbearance be removed, I was told it would be, but it never happened. I was told my payment would be auto-debited but it never happened. I called again and was told my payment was processing, but one week later, no payment was ever taken, and when I called, I was told it was because of my forbearance ( that should have been removed 4 weeks prior ). When I called again, I was told not to worry because it was a " courtesy forbearance '' and no capitalized interest would accumulate. Nevertheless, the life of my loan has now increased without my consent. Additionally, now I will continue to be " making up '' interest payments instead of paying principal, even though I have been consistently making overpayments. I do not trust this company. I feel my loan has been handled in an unethical manner and that I am being taken advantage of on a routine basis. Additionally, customer service representatives seem, for the most part, to be completely unknowledgeable about what is happening to my account, or they outright lie, I can not be sure which is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX report my name to XXXX XXXX and XXXX XXXX XXXX they said i'm owe them {$870.00} for check deposit no money in the bank i did fixed after get the account closed out now they report my name to the two agency now I'm unable to opening any checking account Contributor : BANK OF AMERICA Contribution Ref # : XXXX XXXX Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX SSN/Tax ID # : XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : VA Incident Date : XX/XX/2016 Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts name XXXX XXXX XXXX XXXX, account name XXXX XXXX XXXX XXXX XXXX # XXXX, account name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.s.c 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : states it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I never authorize and request services from XXXX XXXX XXXX. In addition, multiple calls have been made to XXXX XXXX XXXX for dispute but never hear anything back. Instead, I received the debt collection from Phoenix Financial Services.
Product: Checking or savings account

On XXXX XXXX at a track meet at my XXXX XXXX. My phone had my Wells Fargo Online account and card info on it. Over the next few days, the thief began to make large purchases and withdrawals, including a {$700.00} purchase at a XXXX I've never shopped at in my life, a {$200.00} ATM withdrawal at that same XXXX, and a {$2800.00} XXXX transaction. I called Wells Fargo numerous times to tell my story and create claims, only to be put on hold for large periods of time. When I was finally able to get my claims through, my Wells Fargo online account began locking me out numerous times. I was unable to get in for a few days. I called and found out that Wells Fargo themselves put a block on my account. After an hour of being on hold, I also found out that they had denied my claims. Although the {$2800.00} transaction had been reversed, my {$900.00} has yet to be returned. As a XXXX XXXX XXXX XXXX  planning on going to college, this is simply unacceptable. I quit my job recently and have no means of getting my money back. All charges were fraud, I never made any purchases at XXXX or XXXX. The history is in my account, the majority of all of my purchases have been online, and again, never at a XXXX in XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agencies of Equifax, XXXX, and XXXX continue to report an account that is not mine. 

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX. I did not open or authorize this account. I have requested the information be removed by the bank and the credit reporting agencies, but that has not happened yet. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Provided in this complain and attached is proof of my identification, the specific information that is the result of the theft ( XXXX XXXX  XXXX credit account ending in XXXX, and the FTC documentation, as well as a letter from the bank with their findings that it's fraud and instructions to the credit agencies to remove the wrong information. 

There is a federal legal requirement that you remove this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with all 3 credit bureaus asking Nissan Motor Acceptance to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has accessed my credit file with XXXX on XX/XX/XXXX and XX/XX/XXXX. I have written to the company to request documentation supporting their permissible purpose for this access, and have not had a response from them. I have also tried to resolve this issue with XXXX, but they refuse to investigate disputes as required by the Fair Credit Reporting Act. If they did, they would note that I have never filled out a credit application with the automobile dealer who sent information to this company on XX/XX/XXXX. Accordingly, without documentation to support permissible purpose, these inquiries should be removed from my credit file immediately.
Product: Debt collection

Regarding : Account XXXX XXXX Im writing you in regard to an account on my credit report ( s ) you claim I owe. Since Im unaware of this debt and its origin, Id like to formally request validation of this alleged debt. To be clear, I am unaware of this debt and according to the FDCPA, Im disputing this debt and need complete, irrefutable evidence this account is legitimately mine and this claim is legally yours, you are legally allowed to collect on it, as well as report it to the credit reporting agencies. Please respond to me with the following information : A copy of the application for credit on the account that you allegedly claim that I owe. A copy of the contract and any amendments that may have been made thereto as this will show what the terms of the contract are so I can see exactly what you are pursuing and the amount you are trying to collect. Proof the amount you are claiming is correct and legal, which will require all statements and payment history. Proof this account is within the Statute of Limitations and has not expired. Proof you are the owner of this account, which will require the FULL AND COMPLETE purchase agreement between you and the original furnisher so that I have evidence you that you have the proper legal capacity and authority to collect this alleged debt that you claim I owe. As far as everyone is concerned, I have never engaged in business with you. Proof you are legally licensed ( bonded and insured if applicable ) to collect this debt in my state ( TEXAS ). For verification purposes, I will need your business license number ( s ). I am sure you are aware if you are unable to provide these few basic facts, you are in violation of the FCRA and FDCPA, as well as potential state and local laws. That being said, if you can not provide this basic information, and continue to report this unverified, non-validated debt, I will pursue this legally for violating the Fair Credit Reporting Act. Until this debt is validated, I request the above account be removed from all credit reporting agencies, since it is unverified and has not been validated. Please remove all references regarding this debt from all reporting agencies until you can provide irrefutable evidence this debt is legitimate and you are legally allowed to collect on it as the owner of this debt. If you are unable to provide the proof I requested within 30 days of receipt of this notice, please remove this account from all reporting agencies, which is mandated under federal law. I am ready to prosecute you if otherwise. Until the above request for irrefutable evidence about this account is sent to me, please cease and desist all further future attempts to collect on this debt. This includes no phone calls to my home phone number, no calls to my place of work, and no calls to my mobile phone. Please understand, all future phone calls made by or from your company, whether answered or unanswered, will be tracked and recorded. I will also use this information to help prosecute you and your company to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Date : XXXX XXXX, 2017 Report # XXXX My address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are or no my address as stated by Experian this is an apartment building with numbers after the address not just XXXX XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX Please remove there not my address Experian has wrong information and collect improper address. 

all it is multiple address that do n't are not right and information in error