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

I hope this letter finds you well. I am writing to express my dissatisfaction with the results of my second attempt to correct the late open accounts and remove charge off accounts from my credit report. Despite my previous efforts, I have observed that the inaccuracies persist, negatively impacting my creditworthiness. 

I initially brought these issues to your attention and I have since submitted the required documentation and evidence to support my dispute. I understand that the credit reporting process can be complex, but I am disappointed to find that the inaccuracies on my credit report have not been rectified in a timely manner. 

The late open accounts and charge off accounts on my credit report are inaccuracies that are affecting my ability to secure favorable financing terms and interest rates. I have attached copies of the previous correspondence, dispute letters, and the supporting documentation submitted during my initial and subsequent disputes for your reference. 

I kindly request that you conduct a thorough investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. It is my understanding, based on the Fair Credit Reporting Act ( FCRA ), that accurate and up-to-date information is crucial for the fair evaluation of consumers ' creditworthiness. 

I would appreciate your prompt attention to this matter, as I believe in the importance of maintaining accurate credit reports. Please notify me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. I am asking for your assistance to correct these late open accounts and remove the charge off accounts in my credit file : 1. XXXX XXXX XXXX Balance : {$1500.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

2. XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$37000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

3. XXXX XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

4. XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

5. XXXX XXXX Balance : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this letter is to prove that it has been well over 30 days since I notified Experian that Information regarding the XXXX account on my credit report consisted of several inaccuracies. On XX/XX/2022 I mailed Experian dispute notice regarding The XXXX account on my credit report. The letter pointed out that XXXX had my date of birth and address incorrect. I am including a United States Postal Service mail receipt and tracking number that shows my notice was delivered more than 30 days ago. According to the tracking number ( XXXX XXXX XXXX XXXX XXXX ) my notice was delivered to Experian on XX/XX/2022 @ XXXX. The United States Postal Service mail receipt and tracking number proves that Experian failed to respond within 30 days as the law requires. I am also resending the content of the original letter below as well. Under the federal law, if the credit reporting agency fails to respond in 30 days, the disputed account must be removed. If Experian fails to do so, they are violating my rights under the Fair Credit Reporting Act. I intend on notifying The FTC and the CFPB of Experians blatant disregard to the federal law under the FRCA.
Product: Student loan

In XX/XX/XXXX I originally reached out to XXXX XXXX for assistance repaying my loan and seeing if I could get a lower monthly payment or other options due to the fact that my income had significantly changed. I was told that the only option offered by the compan was a forbearance of 3 months. This cost me a total of {$150.00} fee ( {$50.00} for each loan ). The {$150.00} did not appear to have been applied to my loans and I continued to accrue interest over that 3 months that totaled around {$500.00} that was added to my loan amounts. 
I again reached out to the company on XX/XX/XXXX for financial difficulties and again was told that a 3 month forbearance was my only option. Again paying a fee of {$150.00} and accruing {$450.00} during that 3 month period. I have documents for the XX/XX/XXXX forbearance and am currently working getting records of my XX/XX/XXXX, as the company only allows users to view statements for 24 months. 
I have also had several interest rate increases in the life of my loan without any prior notification of rate increases until I notice it on my bill causing my monthly payments to increase by over {$100.00} in the life of the loan.
Product: Credit reporting or other personal consumer reports

I had a credit card of U.S.Bank. Last XXXX ( XXXX ) I found out that someone using my card information and I reported my fraud case and asked closing my account as soon as i found it. But after 6months, I still a blance mail from us bank and found out my crdit score is degraded. I called us bank and they told me that they just pending my fraud case and not processing my request so that's why I still got the blance mail and degraded credit score. I want to solve this issue and get back my original credit score Please help me get back my original credit asap
Product: Credit reporting or other personal consumer reports

Im submitting a XXXXXXXX to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my 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 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 XXXXXX/XX/XXXX
Product: Mortgage

Bank of America has been holding my mortgage payments until they can incur late fees. I filed a complaint with you last month. This month I received a letter from Bank of America saying I was late 33 days. Bank of America received my XXXX mortgage on XXXX XXXX I mailed the payment certified as I always do. The certified number is # XXXX. The Bank cleared my check on XXXX XXXX. 
Bank of America has not applied my XXXX Mortgage Payment to my Mortgage instead they sent me a " foreclosure letter ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech was contacted in XX/XX/XXXX after trying to collect on a paid mortgage. My home sold on XX/XX/XXXX. Spoke with XXXX who said they lost the check but did show the home was sold. She would track down the check. Contacted XXXX attorney The XXXX XXXX XXXX who represented them in their erroneous foreclosure filing to see if they could help since they know the foreclosure never happened. Exchanged emails with XXXX XXXX. Never got anywhere. I have now called Ditech 2 times holding over 30 minutes without anyone answering. I am on hold again now. My credit report still shows the mortgage due and $ XXXX in arrears. A title search of the property will show it paid and the condo no longer owned my me.
Product: Payday loan, title loan, personal loan, or advance loan

I neeed this company to sto contacting my by phone and by email
Product: Credit card or prepaid card

ON   XXXX   XXXX   XXXX    , I OPENED AN ACCOUNT WITH  NAVY FCU   WHILE I WAS IN   XXXX   XXXX   XXXX   (  XXXX  ) AT VIRGINIA.     I RECEIVED THE CARD AND USED THE CARD AND PROBABLY CHARGED NO MORE THAN {$300.00}. EVERY  TWO WE EKS I GOT PAID AND I SUBMITTED PAYMENTS ONLINE AND EVENTUALLY PAID THIS BALANCE.     WHILE AT  XXXX , MY DAD RECEIVED A LETTER ADDRESSED TO ME. THE LETTER EXPLAINED THAT I WAS NEAR MY CREDIT LIMIT. I WAS CONFUSED BECAUSE I HAD NOT MADE ANY CHARGES. WHEN I CALLE D NAVY FEDERAL I WAS  TOLD I WAS LIABLE FOR THE CHARGES BECAUSE I COULD NOT PROVE THAT THE CHARGES WERE FRAUDULENT.     THE BALANCE REFLECTS CASH WITHDRAWALS, FOREIGN TRANSACTIONS, NONE OF WHICH I MADE.     CURRENTLY THE BALANCE IS {$7000.00}. THE AMOUNT WAS HIGHER AS I RECENTLY MADE A PAYMENT. AFTER TALKING TO A LEGAL ASSISTANCE ATTORNEY AND MY LEADERSHIP, I STOPPED MAKING PAYMENTS BECAUSE THE DEBT IS NOT MINE AS I DID NOT AUTHORIZED THOSE CHARGES. I PAID BECAUSE I WAS AFRAID OF WAGE GARNISHMENTS.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these actions.
Product: Debt collection

This was a debt collection last XXXX they contacted me asking to pay it off so I sent money orders to the collector and we had an agreement that it was paid off and now recently contacted me to paid it off i told them that i sent money orders to paid off the debt and they still want me to paid them even know i sent them the proof that it was paid off
Product: Checking or savings account

On XX/XX/2022 I went to the atm located at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX at about XXXX to deposit my rent money which was due on that day. I first took the money off another card and started my deposit. I then deposited {$410.00} to start depositing my rent money. The machine accepted it and then when I went to add more cash the screen went blank and cut off. I figured no big deal Ill come back wen the bank opens but got an email from the bank saying that they knew there was a problem but would have it resolved in the next 5 days. In the meantime my bank account would now go into a negative status because my bills started to come out. In the meantime 5 days pass and now it is the XXXX of XXXX and no resolution and my rent is late because part of my money was lost in the transaction. I called and then was told I had to file a claim and wait another 10 days and I still called almost everyday to resolve this because now I am about to be evicted. A woman reached out to me from Wells Fargo and told me that if I fax over a letter from my apartment complex and insurance company and any other evidence I have of this problem they would take care of it. That was a lie. I wrote the ceo twice to have a resolution and no response and finally they reversed the transaction on or about XX/XX/XXXX ( which was so late it just covered the late fees and overdraft fees I incurred ) didnt help at all. It was too late.. had to pay lawyer fees, late rent fees, insurance cancelled and still owe the {$290.00} and barely able to save my apartment because I had no money. They didnt even try to help although they said they were. I filed another claim and XXXX called while I was at work and left a message and Ive called him back several times and left messages and that was a month ago and he has never returned my calls. They finally closed the account with a negative balance over {$800.00} and expects me to pay that but its not my fault the balance is {$800.00} because of their error they could have fixed with a simple hardship deposit of my {$410.00} until they resolved the issue but let my account slide into negativity.. there is a ton more of our conversations but I would need a whole notebook to write all this down. I have a lot of emails etc as well. I have names of people I talked to and dates and times. Im so upset because of what has occurred
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX  XXXX XXXX
Product: Debt collection

Duplicate reporting of account and history by original creditor : XXXX XXXX XXXX and collection agency, original limit {$300.00}, did n't go over limit, collection agency showing now owe {$660.00} and orginal high was {$590.00}. XXXX XXXX XXXX shows c/o, w/o & sold on XX/XX/XXXX, but listed under negative accounts as closed and collection accounts, with history thru 2016.
Product: Credit reporting

XXXX XXXX XXXX has reported to the credit bureaus I was late 120-180 days mortgage payments for each month in XXXX XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact TransUnion, XXXX, and XXXX to mitigate the negative situation. Numerous attempts with XXXX failed to achieve any resolution. Will never do business with them again.
Product: Debt collection

Sent a registered letter to the company years ago, telling them, as per Colorado state law, that any further communication with me is to be made via mail. Now they are calling and e-mailing me again.
Product: Credit reporting or other personal consumer reports

It has come to my attention that LVNV Funding has sold a debt that they claim I owe to XXXX XXXX XXXX XXXX XXXX ( Another Debt Collector ). However, despite this transfer, LVNV Funding is still reporting this erroneous and unverified information on my credit report, which is a violation of both the FCRA and FDCPA. It is important to note that it is illegal for multiple debt collectors to attempt to collect on the same debt, and it goes against ethical practices. My rights are being infringed upon and I urge you to take this issue seriously. If this is being done to me, it is possible that it could happen to others as well.
Product: Mortgage

I have a mortgage loan with Chase on a home with my partner since XX/XX/XXXX. We got married in XX/XX/XXXX but due to FL law we were not recognized until XX/XX/XXXX. In XXXX she filed for Chapter XXXX Bankruptcy and the without my knowledge included the house in the filing. I have been making payments on the loan myself since XX/XX/XXXX. During my mediation I pulled my credit report and realized my Chase Mortgage payments were not being reported. I did more research and found out that my spouce was removed from all financial repsonsibility for this loan. My problem with Chase is that during the entire year from XX/XX/XXXX till present, my statements have not reflected any late payments or any missed payments. I learned that my loan was not paid for 2 months back in XX/XX/XXXX and that I was being reported by Chase Mortgage on the transaction reports that I was late 60 days for 11 months. How is it possible that my credit does not report this, yet now that I am trying to purchase some income property it is being reported by Chase that I am late and therefore, I am being refused a loan for my investment? What rights do I have as a consumer to be notified when my loan is overdue or missed on payments? Every statement I received DID NOT reflect this. I am very upset this has affected my ability to move forward financially and that Chase is providing derogatory information that should not be reported. Chase has assumed no responsibility in their informing me of the late payments being recorded. I need help to clear my name and record up with Chase.
Product: Vehicle loan or lease

I made an auto pay payment of {$330.00} to cover an extension of my vehicle lease with GM Financial. However, I paid off the vehicle for the amount set forth in the Lease Agreement PRIOR to the extension period. GM Financial refuses to refund my payment.
Product: Checking or savings account

My bank account has been frozen. There are people placing unauthorized checks in my account without my knowledge. I am trying to close this account through TD bank ( Account XXXX XXXX ). I closed the one attached to this one. Someone is using a company printing out fraudulent checks to run through my account. Someone of interest is XXXX XXXX, of XXXX, XXXX XXXX, SC XXXX. He has hired people to making checks in vain for them to go through my name in a checking account at TD Bank, XXXX XXXX, SC, or TD Bank in XXXX XXXX, XXXX. ( Near the convention center is the one in XXXX XXXX, SC XXXX ) with the account number above. Checking account. It was frozen a year ago. And I closed my main account. I want nothing to do with this bank but to corporate. And close all connections to it. I want my name nowhere near these fake checks, and an account that isn't mine. I am aware there has been blood shed for several check in my name, and account number above. PLEASE stop this. This is extremely unholy to me. I thank you. I can't get contacted due to them inferring to dispatch services. Out fire rescue line in XXXX XXXX, SC XXXX is connected to California. And Maryland has a lot of crime started here. I have proof. Thank you for hearing me out. I XXXX  for help.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an ongoing collection attempt by Jefferson Capital LLC, for a debt that was sold to them by [ Previous Company ]. This debt was paid off and forgiven by XXXX, yet the second agency continues to pursue me for payment. Enclosed is my documentation, including proof of the original settlement and a cease and desist letter I have sent to the second agency. 

I request that you investigate this matter and take appropriate action to have this debt removed from my records. 

Thank you for your attention to this issue.
Product: Checking or savings account

Navy federal Bank account was hack and money was taken from the account. I spoke with bank, bank told me that i called just in time to stop transfer. Bank returned money to my account the following week, Stating that they observed someone entering my account adding information before make a transfer. Bank closed account open new account for security reasons. Days later money removed bank stated investigation they didnt see thing out of the ordinary and will not return money. This is a nightmare, I need my money, this couldnt have happened at a worst time. I hope this is detailed enough.
Product: Checking or savings account

I was told either acct XXXX or other acct has a negative balance due to some fees Ive call several times and rep name XXXX XXXX said I am not obligated to pay however customer service said I need to speak to foreclosed dept to get then removed. I keep gettin contradicting info from several reps Pls contact me to correct issue. 
Your reps are incompetente to fix any issues
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I have reached out to equifax numerous times about unauthorized inquiries, ( XXXX XXXX, dates XX/XX/2021 and XX/XX/2021 ) and inaccurate information on my credit report. They either say its verified without or just dont respond at all. They also told me to reach out to the company so I reached out to the company who initiated the inquiry numerous times, to either verify it to me or delete it off my report. And they have done neither!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and immediately update or correct them from my file. 
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: Debt collection

From  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   I received over  28  calls from  XXXX   XXXX  bank. This is not the first time I have received repeated harassing phone calls from them. This is the third time I have spoken with them warning them this is in violation of the FDCPA and yet they continue this illegal practice.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a dispute with Citi due to a merchant not issuing me a promised refund. On XX/XX/XXXX I submitted all required documentation to Citi showing evidence ( via text messages and recorded phone called, attached here ) that the merchant offered me a refund and accepted the products back, yet never issued me a new invoice showing that I was given the refund. On XX/XX/XXXX, Citi ruled in the merchant 's favor claiming I did not provide evidence of the merchant accepting the merchandise back, even though this was provided. The merchant did not even dispute the claim that I had returned the merchandise. I am now liable to pay {$7900.00}, despite giving evidence that I received both no services or products of any value and was offered a refund by the merchant. 

The merchant never issued me a formal invoice showing a refund, but rather took the product back and proceeded to steal my money. Citi did not receive a response from the merchant disputing this charge, but still is unwilling to work with me and is clearly violating FTC rules related to fraudulent charges for services not delivered.
Product: Debt collection

I have a debt collection for an account that I do not recognize. I have never applied for loans with this company mentioned in the remarks. The information being reported is completely inaccurate. This debt does not belong to me.