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

Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX account # XXXX 2.  XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau .
Product: Credit card or prepaid card

I have been with capital one for years. I have a interest rate. Capital one have not recently sent me any notification about my interest rate increasing. Since the fed has been increasing interest rates. Capital one has been passing higher interest on their customers outside the interest rate that has been assigned.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

In XXXX 2015 I was turned down for XXXX and they said try your lender for a refinance. I was already in a XXXX Home Affordable Loan so i applied for another government assistance loan thru the Nationstar, my lender, website. No one contacted me from Nationstar but when i went to pay my XXXX bill it said regular payment and underneath had the trial payment also. i was confused. i called Nationstar but my home number and my cell phone number are controled or activated by Nationstar so it would ring right to my loan officer XXXX XXXX. I left her over XXXX voice messages to this day and i have never spoken with her. i made a full payment XXXX because i didnt want a late charge for under payment i called HUD to help me contact Nationstar and they got thru and we were on a XXXX way call and Nationstar told the HUD agent i was in fact on a trial payment plan til XXXX. I told them i was trying to reach my loan officer because that new payment is way to high for me and my family of XXXX. I have not received any documents or still any phone call from Nationstar. I dont want to wait til the trial ends and than it is to late. Once you refuse a trial payment plan when it is done you can not get another one offered to you. I need a lower payment. i never got to speak with anyone about this new XXXX XXXX loan. Nationstar just put it on my online account. I never spoke to anyone like my assisgned loan agent XXXX. I dont know if there is a better loan they can offer me. i dont know what the loan plan even entails when it is done. I need help.
Product: Debt collection

On XX/XX/21 I submitted a complaint regarding JHPDE and the reporting of information due to me being impacted on my credit reports. I was a victim of identity theft. I accept their response and I look forward to them clearing it up I appreciate that. The only thing is their response didn't include them stating that they will have the negative information deleted from from my credit reports. 

CFPB XXXX Can they please advise the removal from my credit reports as well. If it's what they meant with the reply to stop the collection etc ... can the please advise? 


They have reviewed my my previous documents and agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX professional, This is the XXXX time I am disputing this issue with the below accounts. This is highly affecting my ability to buy a home for my XXXX kids and wife. I need justice as soon as you see this message. The data furnishers are reporting inaccurate information and they never sent me thier full method of verification. See my screenshots below. THEY ARE WRONG, please dont let them keep verifying things that dont pertain to me. If it does not have my full name : XXXX XXXX XXXX XXXX on the account then it is in accurate. IF it does not have XXXX XXXX XXXX XXXX, XXXX  XXXX, or XXXX XX/XX/XXXX on the account it is in accurate. If it does not have the correct dates of activity it is inaccurate. By the FCRA it needs to be deleted. 

Delete the following accounts due to inaccuracies : XXXX XXXX ( Transunion : NOT REPORTED, XXXX : Last Payment XX/XX/XXXX, XXXX : Last payment XX/XX/XXXX ) XXXX XXXX ( Transunion [ NOT REPORTED ], XXXX Balance = {$11000.00}, XXXX XXXX = {$11000.00} ) XXXX XXXX XXXX XXXX XXXX ( Transunion : Last payment XX/XX/XXXX, XXXX Last payment XX/XX/XXXX, XXXX [ NOT REPORTED ] )
Product: Credit reporting or other personal consumer reports

I have requested several times for Experian to verify accounts and provide information within 30 days that these accounts belong to me. I have not received any information. I am request for the following accounts to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2300.00}
Product: Credit reporting or other personal consumer reports

XXXX RESPONSE TO THE SAME COMPLAINT SENT TO XXXX AND XXXX XXXX. Do they all conduct the same investigation? 

Company responded Status Company responded on XX/XX/year> Response Type Closed with non-monetary relief Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXXXXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Non Reporting Trade : XXXX XXXX XXXXXXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 
DESCRIPTION OF NON-MONETARY RELIEF XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable.
Product: Money transfer, virtual currency, or money service

We use CashApp so that members can give their Tithes & Offerings virtually/digitally. CashApp has limits that prevents us from having total access to the funds the members have given. For example from their app is the following limits, Send {$15000.00} per Week {$45000.00} per Month Receive Unlimited Add Cash {$15000.00} per Week {$45000.00} per Month Cash Out {$25000.00} per Week As a result of these limits, we have a high balance with CashApp that we can not access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested security freeze back in XXXX and they have yet to be honored.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and an unauthorized account has appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating that they do not provide any information to any credit reporting agency regarding bankruptcies. I demand that Transunion, XXXX, XXXX  and XXXX XXXX provide the name, date and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I opened an account with XXXX in 2018 wich was a general credit card. I never had an issue with the creditor. I made payments on time and as agreed. My account was sold to XXXX XXXX  when the creditor closed. Since then, I have experienced nothing but illegal fees in my account, although payments have been paid. When I have asked about fees being added to my account I have been told that I am being charged fees for not paying on the due date and by this this, not paying late but I have been illegally charged fees for paying the card 'earlier than the due date '. 

I have tried on several occasionas to gain clarity and have always been given the run around.I need immediate assistance with this. I am planning to hire an attorney to get control of the account and have the illegal fees charged on the account returned. I have exceptioal credit and I only pay the fees to avoid having my crdit ruined by this company. I am being scammed and taken complete advantage of by this company. 

I have bank records showing all payments made on the account since it was purchased from XXXX. I am asking that my monies illegally charged be credited to my account or returned in the form of a check payment rom the company and that I receive no further illegal charges for paying my account monthly bill earlier than the due date. 

I have always had a monthly payments for tis account that are generally around $ 90- $ 100 monthly for the due. However, in the last year, I have been charged anywhere rom $ 9- {$27.00} in fees some months for paying on the account earlier than the due date. 

I would like this resolved to avoid paying or an attorney, but I will if this isn't as I will not continue to be illegally charged fees on an account that I never had an issue with until this company purchased it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute letter on XX/XX/21 asking XXXX  and Experian to provide documents on how they verified *XXXX  XXXX XXXX  XXXX XXXX and *USBK Court XXXX Michigan Docket . per the letter i received from United States XXXX Michigan Court they DO NOT provide any case information nor update information to any credit reporting agency. I ask transunion to provide documents on how they verified these items or delete from my report and they still haven't deleted these items from report nor provided document
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 : 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 reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give any of these companies my permission to use my information. 

XXXX XXXX - XX/XX/2021 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
Product: Money transfer, virtual currency, or money service

Zelle didnt disclose that my money couldnt be returned if sent to the wrong person until recently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX BankAttn : Credit Reporting Disputes [ XXXX  XXXX Address ] [ City, State, ZIP Code ] Subject : Formal Dispute & Demand for Correction Account # XXXX Dear XXXX XXXX Disputes Department, I am writing to formally dispute the inaccurate and misleading reporting of my account # XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 and Consumer Financial Protection Bureau ( CFPB ) UDAAP regulations, you are required to report only accurate, verifiable, and non-misleading information. However, your current reporting of this account contains multiple violations that require immediate correction or removal.

1. Inaccurate & Misleading Reporting This account was settled for less than the full balance, yet it is still reported as : " Collection/Charge-Off '' with " Unpaid balance reported as a loss '' This is false, as the account was legally settled.

Conflicting remarks : " Account legally paid in full for less than the full balance '' vs. " Unpaid balance reported as a loss '' This is contradictory and misleads lenders.

Account Status Not Updated : The FCRA requires creditors to update an account accurately after settlement, yet you continue reporting it as derogatory.

2. Violation of FCRA 1681s-2 ( a ) ( 1 ) ( B ) - Failure to Update Paid Accounts Under federal law, settled accounts must be reported as Paid in Full or Settled, not Charge-Off or Unpaid. By failing to update my account correctly, XXXX XXXX is violating the Fair Credit Reporting Act and engaging in unfair credit reporting practices. 

XXXX. Violation of FCRA 1681i - Failure to Verify Disputed Information My credit report shows that this account was previously disputed, yet it remains incorrectly reported. If you can not verify the accuracy of the reported details, the FCRA requires deletion of the account from my report.

4. Violation of CFPB UDAAP Rule - Unfair Credit Reporting By continuing to report a settled account as negative, you are unfairly damaging my credit score, misleading lenders, and engaging in unfair and deceptive acts ( UDAAP ) under CFPB regulations.

Demand for Immediate Resolution Given these violations, I formally request that you immediately correct or remove this account from my credit report. You must : Update the account to reflect Settled in Full or Paid as Agreed.

Remove all misleading remarks, including " Charge-Off '' and " Unpaid Balance Reported as a Loss. '' If you can not verify the accuracy of this account under FCRA 1681i, you must delete it.

Provide written confirmation of this correction within 30 days.

Next Steps If you fail to comply within 30 days, I will : File a Consumer Financial Protection Bureau ( CFPB ) complaint against XXXX  XXXX. Report XXXX XXXX to the BXXXX XXXX XXXX XXXX XXXX XXXX for unfair credit practices. Consider legal action for FCRA violations, seeking damages for incorrect reporting. 

I expect a timely resolution and a response confirming correction. Please send written confirmation to the address provided above. 

Sincerely, XXXX XXXX
Product: Mortgage

I was on the Covid 19 forebearance plan. On XX/XX/2021, I contacted Flagstar to begin the process of transitioning off of it and back to making regular mortgage payments. At that time, I was told to go ahead and begin making my monthly payments so I did. Payments were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth to this day. Sometime during XXXX, Flagstar finally managed to reset my loan off of the Covid 19 forebearance plan. However, they now have added a {$15.00} fee to my account because they told me that they had to send someone out to my house on XX/XX/XXXX to ensure I was still occupying it because they didn't hear from me for more than 30 days. First, no one ever came to my house so it's doubtful this actually happened. Second, I was making regular mortgage payments on the first of every month which people who have abandoned property do not do so that just doesn't even make sense. Third, every time they called saying they were collecting on a debt ( which happened every month during the entire 18 months I was on the forebearance plan ), I always spoke with them and reminded them of that. So it is a complete lie that they did not hear from me more than 30 days at a time. I contacted their customer service and relayed all of this information a couple of weeks ago. She said she would put in a request to have it removed but it is still on my account and shows as a late fee. It appears that Flagstar is trying to impose a malicious and probably illegal fee on my account for having taken advantage of the Covid 19 forebearance plan. Retaliation for participation in the relief program is not permissible under the statute when the government created the program.
Product: Credit card or prepaid card

ok I made a payment of {$99.00} on the XX/XX/XXXX they added fees in interest in the amount {$65.00} XXXX of my payment of {$99.00} .I am XXXX and have a hard time making the payment My identity was stolen in XXXX and usually they confirm charges this time they did not it was from XXXX and XXXX in the amount of {$160.00} that was in XXXX .I Told them I only stay at the XXXX XXXX XXXX XXXX and neither site said I was even registered. They did not recognize my email account. XXXX XXXX did nothing about it and I just had a small charge I did not recognize they took care of that. I am XXXX my income is limited now due to loss of medical insurance since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( l ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reincerted a account that was removed due to a dispute XX/XX/2021. 

Today I recieved a letter from equifax that they reincerted the same account they had verified and removed XX/XX/2021. 

They stated they reincerted the account t XX/XX/2021. 

Today is XX/XX/XXXX XXXX, I never recieved any information stating g what they were doing to my credit file. 

I would like for equifax to once again remove the creditor that was removed XX/XX/2021 completely from my file once again. They should never reinsert this file ever again.
Product: Debt collection

In the month of XX/XX/2018 I noticed a collection account on my XXXX credit record by the name of Americollect Inc XXXX XXXX  XXXX XXXX WI XXXX-XXXX  for an amount of {$100.00}. I disputed the collection with XXXX as I do not recall this being a valid debt. I was notified by XXXX in XX/XX/2018 that the debt had been verified by the collector and would remain on my report. 
On XX/XX/2018 I send a certified letter to Americollect Inc XXXX XXXX XXXX XXXX WI XXXX-XXXX  asking them to send me a legal verification of debt. As this is my right under the Fair Credit Reporting Act. Yesterday I received a letter from Americollect stating that my request has been " deemed frivolous or irrelevant '' and furthermore " there will be no additional investigation on this matter ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I appreciate you spending the effort to FIX some of the data on my credit report, there are still several accounts that require UPDATING. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I wish these disputed accounts could be updated or repaired immediately : XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

ChexSystems is reporting fraud to banking institutions so I am unable to open bank accounts or cash checks.