23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My EPPICARD is declined when I try to make cash advances at the bank. This has been ongoing for the past 4 weeks. The company has MY money and I should be able to access it. I have called the company and had to be escalated to a supervisor who said she WhiteListed my card and it should work in 24 hours. It has been 48 hours and the card is still not working. This is not right and it looks like others are having the same issue based on comments on the web. This is absolutely terrible!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX, Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of Experian to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The PAANL underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : XXXX : XXXX marked as 30 days late, although previous payments were timely. 
Experian : Similarly, XXXX indicates a XXXX late status despite consistent timely payments. 
XXXX : XXXX a XXXX late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite XXXX previous disputes with Experian and the original creditor, and this continued misreporting has led to unnecessary harm to my XXXX XXXX and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly XXXX result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX payment status shows charged-off but still shows balance of {$960.00} and a past due of {$960.00} which is not suppose to. 

TansUnion - did not record or has no record of this account XXXX - high credit/credit limit is reported {$0.00} last reported date is XX/XX/XXXX payment status Collection/Chargeoff - Date of Last Payment there's no record found XXXX - high credit is reported {$870.00} and credit limit is reported {$0.00} last reported was XX/XX/XXXX payment status Late 120 Days- Date of Last Payment XX/XX/XXXX Improper/Incorrect misinformation has been reported.
Product: Bank account or service

I made a deposit at an ATM for {$300.00} at XXXX Pacific Time. The deposit was still pending the following day and did not credit to the account. I was charged XXXX overdraft charges of {$34.00} each as a result. I call Chase and they ssid the system on the east coast said the deposit was made at XXXX Eastern Time. My ATM Receipt shows a deposit time of XXXX Pacific Time exactly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXXXXXX XXXX  received a letter from me addressing the fact that they were in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I sent subsequent letters to XXXX XXXX on XX/XX/2020 and XX/XX/2020 both addressing the inaccuracies on my credit report. Although XXXXXXXX XXXX responded to one of my letters, they never advised the Credit Bureaus of my direct dispute to update the comment section on my account. The account has never stated that it was ever disputed as required by FCRA laws. I sent XXXX and Experian documented evidence and a letter dated XX/XX/2020 notifying them of XXXXXXXX XXXX   violation of FCRA Section 623 ( a ) ( 3 ). Both companies did not take action and gave me no response to my dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  : I have attached the following documents to support my request : In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I request that you XXXX XXXX a thorough investigation of these items and remove them from my credit report. Ple ase provide me with a copy of my updated credit report once the investigation is complete. 
Thank you for your prompt attention to this matter. 
Sincerely, Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Proof of identity Documentation proving my status as a survivor of XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). 

The debt in question is as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Alleged Owed : {$2000.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount Alleged : {$190.00} XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Alleged : {$1400.00} XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Alleged : {$1200.00} Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action. 
Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report. 

The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately. 

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted. 

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. If you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

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

My friend was authorizing me to speak on their behalf to one of their creditors. During the authorization process we specifically asked and verified that this authorization would only allow me to speak on behalf of the user, and not actually attach me to the account from a liability standpoint. The creditor confirmed that it was only to authorize me as a " non-user '', and that the account would not be reported or show on my credit report. As of today, I noticed that this account is in fact showing on my credit report, and negatively impacting my standing. As a result, I am not able to move forward with some financial plans I had, until it is corrected and removed from my reports. My information was used without my consent and I was fraudulently added to an account by this creditor.
Product: Credit reporting, credit repair services, 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 corrected from erroneous reporting in my file are listed on my credit report. 
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 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX am Email offering a cash bonus of {$200.00} and 1.5 % cash back credit card. 
XX/XX/2022 I completed the application on line XX/XX/2022 XXXX I received an email stating that Capital One was not able to approve my application, and I would receive a letter explaining why within 10 days. 
XXXX XXXX XXXX I received email notice that " there has been a change in XXXX credit report '' and that XXXX from Capital One could help me improve my Credit Score. And when I clicked on the link it said my XXXX was XXXX pts at XXXX and XXXX was also - XXXX at XXXX Was the purpose of this per motion just to lower my credit rating? Or what? Note it all happened in XXXX minutes. 
Please investigate and respond
Product: Debt collection

I filed an complaint against this company and they stated that they would move this from my credit but instead they are reporting on my credit every two weeks. This is fraud. This company has not honor what they stated in complaint number - XXXX
Product: Student loan

I received an internal message XXXX from Mohela about how my repayment schedule will change. It is stated starting XXXX, I will pay a minimum of XXXX monthly I checked today XX/XX/year> looking under my tools and reporting for my account information on the Mohela portal and it shows a much higher payment that I was completely unaware of and have not been notified about. On the portal it claims starting XXXX I will owe {$440.00} monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint regarding the correction of the disputed erroneous account being reported on my Credit Report. I have been sending multiple dispute letters requesting that the Credit Bureaus investigate the disputed accounts on my Credit Report and correct or remove any account which were not being verified. The Credit Bureaus continued the reporting of the disputed accounts without sending me copies of proof verification from their investigation. I feel like the Credit Bureaus have not done any investigation at all and claimed that the disputed accounts were already verified. Under the Fair Credit Reporting Act, I am requesting that the Credit Bureaus correct or remove the disputed account from my Credit Report : XXXX. XXXX XXXX XXXX Balance Owed : {$570.00} XXXX. XXXX/DOFED XXXX Balance Owed : {$1300.00} XXXX. XXXXDOFED XXXX Balance Owed : {$4000.00} XXXX. XXXXDOFED XXXX* Balance Owed : {$8600.00} XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

THIS complaint is the follow up of my previous Complaint against XXXXMr.Cooper. 
I wondered how did it happened that XXXX issued a statement that my mortgage was paid on XX/XX/XXXX, gave me a confirmation number for the transaction with which I paid my mortgage through my XXXX checking account. Still up to XX/XX/XXXX, Mr.Cooper did not take my mortgage payment out of my Checking account, BLAMING ME for not having funds, blaming me that I HAVE PROVIDED A WRONG XXXX  ACCOUNT NUMBER. 
NO, MR. COOPER! Researching the web, you Mr. Cooper are involved in a FRAUD. This is why the money we're not taken from my bank account. I read the following from another customer amongst the thousands of comlaints against Mr.Cooper and " 1. NationStar : XXXX XXXX says : XX/XX/XXXX at XXXXXXXX XXXX Mr Cooper recently bought my loan. The original loan was to a bank. XXXX automatically transferred my banking information to the XXXX website automatic withdrawals. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX What a nightmare. I have been making mortgage payments to Mr. Cooper since XX/XX/XXXX, post a rate modification. Todate, ALL mortgage payments made are subsequently reversed and applied to a special suspense account. XXXX XXXX XXXX XXXX XXXX '' IN SUM : Mr. Cooper automatically steals/takes the bank accounts/numbers/ information after buying the mortgages, and automatically is TRANSFERRING THIS INFORMATION onto the customers 's Mr.Cooper 's online site/account. Then Mr.Cooper is illegally and fradulently committing actions accordingly. With me, Mr. Cooper decided to messed up my good A+ payment history, and did PLACE a wrong XXXX  account number so when only the 4th last digits were shown up, I 'trusted '' Mr.Cooper and submit my XXXX payment on time. Mr. Cooper then did not notify me for PURPOSELY NOT TAKING THE PAYMENT FROM MY XXXX  ACCOUNT, which Mr.Cooper wrongfully placed on my Mr.Cooper account. It is for the reason of illegal practice of Mr.Cooper to " automatically transferred my banking information to the XXXX website ''. 
This is why I am late, it is wrongly PLANNED ACTION by Mr. Cooper, who is aiming in defaulting my mortgage and placing me in forbearance. It was not me typing my account number, but SOME ASSOCIATES from Mr.Cooper. Mr. Cooper is involved in illegal REVERSING of payments of customers, in order to mess up their credit and place them in forbearance. MUST BE Investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX ACCOUNT HAS BEEN PAID IN FULL PLEASE SEE ATTACHED RECEIPT
Product: Mortgage

I noticed on my XX/XX/ mortgage stmt that Gregory Funding had used my escrow account to pay property taxes on some unknown account in " XXXX XXXX ''. I have no idea why or how this happened, but we don't own any property in XXXX XXXX anywhere. I tried to call Gregory Funding regarding this mistake, and was placed on hold. The recording told me I would be on hold for over an hour and a half and that there were XXXX callers in line in front of me. After XXXX minutes, a recorded message came on and told me there were now XXXX callers in line in front of me. After a few more minutes, a message came on and told me they would save my place in line and call me back. It has now been well over an hour and a half, and I have had no phone calls. 

I am completely fed up with how my previous servicer, XXXX, and now this servicer, Gregory Funding, have mishandled my mortgage. We currently have an approved claim against XXXX for around {$15000.00} for money they stole from us through servicing our mortgage. Something needs to be done about all of these crooked servicers.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address a severe matter regarding fraudulent activity on my credit report. Upon thorough review, I have uncovered multiple inaccurate and unauthorized entries that significantly compromise my financial integrity and creditworthiness. These fraudulent accounts have been causing unwarranted distress and hardship, and I seek your immediate intervention to rectify this situation. 

The fraudulent entries in question are as follows : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$80.00} Status : Collection account. {$80.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$130.00} Status : Collection account. {$130.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} Status : Collection account. 
XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Despite my repeated efforts to address these issues with the credit reporting agencies, the entries persist on my report, unjustly tarnishing my credit score and financial reputation. 

It is imperative to emphasize that I have never authorized or initiated any of these accounts. I strongly suspect that they are the result of identity theft or malicious activity targeting my financial records. As a vigilant consumer, I have diligently monitored my credit report and have taken immediate action upon discovering these discrepancies. 

In light of these grave concerns, I wish to draw your attention to several pertinent laws and regulations established under the Fair Credit Reporting Act ( FCRA ) that safeguard consumer rights : Fair Credit Reporting Act ( FCRA ) Section 609 : This section empowers consumers to request disclosure of their credit report and dispute any inaccuracies or fraudulent entries therein.

Fair Credit Reporting Act ( FCRA ) Section 611 : This section mandates credit reporting agencies to promptly investigate and address any disputes raised by consumers regarding the accuracy of information on their credit reports.

Fair Credit Reporting Act ( FCRA ) Section 615 : This section outlines the responsibilities of information furnishers, such as creditors and lenders, to ensure the accuracy and integrity of the information they provide to credit reporting agencies.

I urgently implore the Consumer Financial Protection Bureau to intervene in this matter and expedite the removal of these fraudulent entries from my credit report. Additionally, I request a thorough investigation into the origins of this fraudulent activity and appropriate actions against the perpetrators.

Enclosed with this letter are copies of documents supporting my identity and evidence of the fraudulent entries on my credit report.

Your prompt attention to this matter is greatly appreciated, and I eagerly await a swift resolution. Please do not hesitate to contact me if further information or assistance is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May concern : Verifying my report with the XXXX  agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, Bank of America XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R 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 has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I received a letter the first week of XXXX indicating that I had a {$2400.00} shortfall on my mortgage. This money had to be received by XX/XX/XXXX or my mortgage would increase. After being on hold and transferred 2 1/2 hours, I explained that I needed to maintain my current mortgage to maintain my home and I was prepared to send in the shortfall and an extra amount and would have it paid by XX/XX/XXXX. Prior to finally speaking to someone, I asked if someone could called me and was told they dont make outside calls. After getting absolutely no cooperation, I mailed in a check for {$3000.00} and it was deducted from my checking account on XX/XX/XXXX. I received a letter dated XX/XX/XXXX indicating that my mortgage will be increased to {$1700.00}. How was my mortgage increased, prior to the date it was due? I previously emailed them in an attempt to discuss this issue, but received no reply and they dont make outside calls. What company makes no outside calls to their customers?
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now OPTING OUT of Any and all AUTHORIZATION, I the consumer may have given you written, unwritten, verbal and non verbal Per usc 6802 and the privacy act of 1974. 5usc 522a. 
Given notice to these companies XXXX XXXX, Experian, XXXXXXXX XXXX and all other 3rd party reporting agencies. Legal litigation will take place if no action is taken. 
Thank you XXXX XXXX ( consumer )
Product: Debt collection

Constantly receiving calls from Franklin Collections, multiple times a day. Every time I answer they hang up. I call them back, and they wo n't tell me who they are, then proceed to hang up on me