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

As a proud military veteran, I have consistently strived to maintain financial responsibility. However, after reviewing my credit report, I noticed that the late payment ( XXXX ) associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not accurate which are a result of unusual circumstances. I was never late with a payment and my credit report reflects inaccuracies. i did not miss multiple payments for example on my report some bureaus report i paid on time while others say i did not, which are clear inaccuracies and should be removed from my report under the Fair Credit Reporting Act ( FCRA ) my account has always been in good standing since.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I respectfully ask that you investigate this matter and update my report to reflect accurate information.

I deeply appreciate your attention to this matter and your understanding of the unique challenges veterans may face. Please let me know if additional information is needed to facilitate your investigation.

Thank you for addressing this matter promptly. I look forward to your response within the FCRA-mandated 30-day investigation period.
Product: Credit reporting or other personal consumer reports

I had an inquiry on my credit report that showed in the fall approx XXXX from Sun loan and tax service. I called them and they said since i did not live in Texas or any state they do business in that it was obviously an error and I should not be concerned. XXXX XXXX received an alert from XXXX of a delinquent account and I contacted the /Sun loan company spoke to XXXX XXXX. She asked me to submit in writing or email the dispute. I did but have not heard anything else. At this time I put in Dispute with XXXX and froze my three credit bureaus and ( XXXX I filed a dispute the following week ) Today I was alerted that XXXX verified the account as correct and it is absolutely not! 
According to my report it was originally for {$1700.00} and now is up to {$2600.00}. 
I have had outstanding credit for many years and I would not risk my credit for this tiny amount of monies. I have worked hard for my credit! XXXX needs to fix this. Sun Loan needs to fix this. If Sun loan is doing people 's loans and taxes they should be more diligent in who they give money to and verify the persons identity!!!

I also contacted Sun loan again today.
Product: Mortgage

Im filing a complaint against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for violations to the Automatic Stay and Bankruptcy Law. Section 362 of the Bankruptcy Code. The Stay. 11 U.S.C. Section 362. Im currently in an active Bankruptcy Case # XXXX and XXXX refuses to remove pending sale date for XXXX XXXX, 2017. As a result of this abuse Im concerned that this pending action will cause me financial and emotional distress and hardship. Due to the constant threats of foreclosure against my property for an illegitimate loan which XXXX and XXXX XXXX XXXX, purport that is owed, I have also been forced to file a federal lawsuit in the XXXX District of California Case # XXXX XXXX - XXXX XXXX ( XXXX ) for fraud and misrepresentation in order to defend my interests in the home. 

Creditors face liability for damages to debtors for automatic stay violations. I m seeking actual damages, punitive damages, attorney 's fees and costs for this creditor willfully violating the automatic stay. I have provided proof of this action in writing of this collusion between XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and their actions to be willful. 

Furthermore, XXXX XXXX XXXX is not licensed to conduct business in the state of California. This is a violation to the California department of business and secretary of states offices as well as local and federal rules which apply. 
XXXX, XXXX & XXXX, have also failed to respond to my qualified written request and has not validated the alleged debt per Real Estate Settlement Procedures Act RESPA and also has violated the rules surrounding the Fair Debt Collection Practices Act FDCPA. 
See Exhibit A Proof of my bankruptcy filing and proof of pending sale date notice XX-XX-17.
Product: Checking or savings account

My CD matured on XX/XX/2024. I renewed it to XXXX  months during the grace period for XXXX  months with 5.5 % interest. But when I logged in on XX/XX/2024 I noticed My CD is renewed for XXXX  months with 4.5 % rate. This is so diceptive, I was told I was supposed to renew my CD before meturity date, I have been in contact with Capital One and they refused to provide any assistance.
Product: Debt collection

SEQUIOA FINANCIAL SERVICES - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Product: Debt collection

I am writing to dispute the following information in my credit files under Fair Credit Reporting Act. The items have been on my credit reports for more than XXXX ( XXXX ) years. GINNY 'S INCXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX tell : ( XXXX ) XXXX, Please investigate these matters and delete the disputed item as soon as possible.
Product: Vehicle loan or lease

Since helping a friend and cosign for a car, I've noticed my credit has plunged. Payments are up to date and paid on time if not well in advance and over the actual payment needed. After investigating further into this, I was made aware that only three of nine payments made are being reported to credit score. I have tried everything to get off this loan, refinance, trade, simply take my name off and everywhere says the same. North state acceptance is not reporting to credit and I am simply stuck at this company and at their discretion which is illegal.
Product: Debt collection

Disputed with XXXX XXXX XXXX collection and requested documentation to proof contract of payments and they have not provided it.
Product: Credit card or prepaid card

The following is an amendment/added issue in connection with Complaint ID # XXXX, which I filed on XX/XX/2023. So please refer to that complaint in conjunction with the following : Since filing the complaint with CFPB, I recently received a new statement and the Comenity has not only refused to remove their erroneous {$31.00} but they have since added a {$30.00} fee on XX/XX/2023 as a " Late Fee '' and a {$2.00} fee as " Minimum Interest Charge ''. So the total they claim I now owe has risen to {$63.00}! 

Comenity 's original {$31.00} they deceptively applied to my account after I paid off my balance was deceptive, underhanded, illegitimate ( there was no balance after I made my last payment of {$1500.00} XXXX paid in XX/XX/2023 ; please see CFPB Complaint ID # XXXX for details/context ), and not only did they refuse to reverse the illegitimate and deceptively applied {$31.00} ( after I paid off my account ) but they are now compounding their error with additional deceptive fees/charges on top of the original deceptive amount and the balance they claim I owe will continue to compound and increase month after month. Their harassing calls/notifications have already started. The original amount of {$31.00} was illegitimate and any additional charges beyond that/because of it are equally illegitimate. This matter will worsen month after month if they are not investigated and ordered to fix this and deem my account closed as it was when I made my final payment of {$1500.00} ( which was the final balance at time on XX/XX/2023 ) in XXXX. Why are they allowed to do this and get away with this? When will CFPB investigate this and resolve this? Who is helping me as a consumer to hold this company accountable to such a despicable and deceptive practice and resolve the issue? This is starting to impact my health and well being. Please help. Please look into this. Their original claim that I owe {$31.00} is incorrect and every charge they add on top of it is also incorrect and baseless. With the latest statement, they now say I owe {$63.00}. Next month will more. XXXX after that, it will be more. Compounding every month. Please help me. Please stop them. Please resolve this issue. Please, please. I'm begging you, please step in. 

By the way, they've stopped giving me access to the electronic statements on my account online. So I'm basing this all on the hard copy statement I've received in the mail. I just can't share the electronic version with you because they have suspiciously removed my electronic statements from my online account. 

Respectfully, XXXX " XXXX '' XXXX XXXX XXXX
Product: Checking or savings account

Two months ago, I received a banking statement from USAA that had been delivered to my former XXXX XXXX, XXXX  address. The gentleman who now lives there gave it to the mail carrier and the Post Office forwarded it to me. I then forwarded it to USAA Federal Savings Bank so they could fix my address. Here it is XXXX, and again a statement went to my former XXXX  address. I have sent emails and street mail to USAA - they continue to ignore the fact that I now Live at XXXX XXXX  XXXX XXXX in XXXX, XXXX  : thus my need to file a Complaint with CFPB.
Product: Mortgage

I purchased a home on XXXX of XXXX. As of XXXX/XXXX/XXXX, Freedom mortgage had acquired the loan. Shortly there after, I noticed the mortgage was not reporting to any of my credit reports. I called in and they told me they had to wait 60 days per law and it would report when that date was up. On XXXX, I again checked my credit reports and noticed the mortgage was still not reporting. I once again called freedom mortgage and they said they do not report until the XXXX of the month. My mortgage would be reported on XXXX XXXX. On XXXX XXXX, I again checked my credit reports and noticed the mortgage was still not showing. I again call and they told me it had been reported but must not be showing yet. I waiting a few weeks and checked again. Still no mortgage reporting. I once again called Freedom mortgage. They now tell me it will not reporting until XXXX XXXX. I am getting the runaround and this needs to stop
Product: Student loan

I have attempted over the past week to set up auto payments with the loan servicer ( MOHELA ) in order to make payments. There has been issues with successfully making payments ( I was told it was that the financial institution rejected the payment ) and I have used MOHELA 's secure messaging system to figure out a solution. Through messaging and providing as much detail as possible I have attempted to fix the problem and make payments ; however, the response from MOHELA has been extremely underwhelming and the replies have not provided any information on how to fix the problem. The responses have appeared to be stock responses and have not been helpful at all nor addressed any of the questions I asked. Very disappointed with the quality of costumer service..
Product: Student loan

Every time I call they put me on hold for over an hour. One person says he can help me and then he puts me on hold and does not get back to me. I have a simple question. Where am I at with my PSLF application? For some reason nobody can give me an answer and they continue to put me on hold after I actually talk to someone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - Chapter : Chapter XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told in previous complaint no. XXXX that I needed to file a fraud dispute with XXXX. Well I completed the dispute got the response only for this account to be closed on my account and then reopened a day or two later. It was verified this account does not belong to me and it should be REMOVED.from all credit reporting agencies
Product: Mortgage

My wife was diagnosed with XXXX, she was not able to work. She has been going through a lot and so have I. I was unable to make any mortgage payments as I was also taking care of my wife at the hospital. Then covid came I paid an attorney to try to do loan modification with PHH they kept saying the documents were not received. I kept sending the same documents over and over and Phh claimed it was not received. The attorney were frustrated during the process. When we kept going back to PHH they did not want to help us at all. We have tried to do a short sale when they just didn't help us with any loan modification and have been told no. I dont think is fair they only want to do a short sale if you pay the late payments and bring the loan current. If I had the money to do this I wouldn't be in this situation. They do not want to do any sort of loan assistance at all. We have placed the home on the market as I do not have the means to make up the amount owed. It is very unfair it is very hard for my family with my wifes XXXX condition she has tried and was sick in the hospital with covid. For years we have been praying for a miracle and asking this lender to work with us and they want to see us get foreclosed.
Product: Credit reporting or other personal consumer reports

I've disputed accuracy and validation of account. Ask to provide verification method with contact name and info. Only to have and update to an old account that's 7 years plus and descriptors and my score plummet 30 more points. This is unacceptable.
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 violates the consumer financial protection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all 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 : 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 consumer report containing any of the following items of information : Any other adverse items of information other, than records of conviction of crimes which antedates the report by more than XXXX years.
Product: Debt collection

I have a debt collection from 2013 They call me to pay it off so the can remove it from my credit score i did pay them and the amount still show up on my credit and they didnt remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I owe students loans for a school that closed down. And I wasnt able to complete my degree in XXXX This has affected my credit for years and my check was garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again EXPERIAN BUSINESS CRED XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX   XXXX {$480.00} XXXX  XXXX {$1300.00} XXXX XXXX {$760.00} XXXX {$220.00} XXXX   XXXX {$1000.00}
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$1200.00} PayPal Routing # XXXX Acct # XXXX IRS confirmed payment sent but never received payment need payment transfered to a prepaid card paper check or new updated account with correct info to access acct. I dont have any idea what email acct I used to create account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that you have reported to the credit reporting agencies regarding my account with XXXX XXXX XXXX. My account details are as follows : - **Account Number : ** XXXX - **Account Type : ** Installment ( Auto Loan ) - **Account Status : ** Closed, Paid - **Date Opened : ** XX/XX/XXXX - **Last Reported : ** XX/XX/XXXX - **Balance : ** {$0.00} I have previously contacted you on multiple occasions to notify you of the inaccuracies in the reporting of this account, particularly regarding the information provided to Experian regarding my joint account with my wife, XXXX XXXX. Despite my notifications, the inaccuracies persist. 

**Legal Basis for Dispute : ** Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and ( B ), you are required to report accurate information to consumer reporting agencies. Specifically : 1. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : ** A person shall not provide 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.

2. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : ** A person shall not provide information related to a consumer to any consumer reporting agency if the person has been notified by the consumer that the specific information is inaccurate, and the information is, in fact, inaccurate.

**Discrepancies in Reporting : ** 1. **Inaccurate Payment Status : ** The payment status has been inaccurately reported on multiple occasions, and despite the account being closed and paid off, the information is still being reported inaccurately.

2. **Joint Account Reporting Error : ** The account, which is jointly held with Anyeli Snchez , has been incorrectly reported under her name without acknowledging the correct joint account details.

3. **Incorrect Reporting Dates : ** The " Last Reported '' and " Date of Last Payment '' dates contain inconsistencies, which have not been corrected despite prior notifications.

Given the requirements set forth by the Fair Credit Reporting Act ( FCRA ) and your obligation to provide accurate information, I request that you immediately investigate these discrepancies and correct the information on my credit report. Failure to do so may result in further legal action to protect my rights as a consumer.

Please provide me with a written statement confirming the results of your investigation and the actions taken to correct these inaccuracies. I expect these corrections to be reflected in my credit report within the next 30 days.

Thank you for your prompt attention to this matter. I look forward to your timely response.

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

Called XX/XX/2022 address was incorrect My address is wrong and I never received anything in regards to this balance. 
My current address is XXXX XXXX XXXX  XXXX XXXX TX XXXX Previous address is XXXX XXXX XXXX XXXX TX XXXX