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

To Whom It May Concern : Upon reviewing my credit report, I have identified certain item ( s ) that are incorrect : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following personal information is incorrect XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 


4. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

In accordance with the Fair Credit Reporting Act, I am requesting a thorough investigation of these items and their subsequent removal from my credit report. It is my understanding that you will verify the accuracy of these items with the respective creditor. Please eliminate any information that can not be verified by the creditor. I am aware that according to 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter.

Furthermore, I kindly request an updated copy of my credit report to be sent to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I request that you notify any parties who have received my credit report in the past six months of any corrections made.

Additionally, according to USC 15 1681i, if any part of the investigation does not confirm the accuracy of the disputed information, you must promptly remove or correct the information and notify all parties to whom the information was reported. I also request that you provide me with the following information as required under USC 15 1681g : The source of the information in dispute. A detailed account of your reinvestigation, including all supporting documents and findings. Notice of any changes made to my credit report as a result of your investigation. Failure to comply with these legal obligations may result in me taking further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursuing legal remedies as provided by law. I expect your prompt and complete response within 30 days from the date of this letter, as required by law. Please send me a written confirmation of the results of your investigation. Thank you for your immediate attention to this matter. I look forward to resolving this dispute swiftly.

Thank you for your attention and assistance regarding this matter.

Sincerely, _____________________________________ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without b
eing unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Name de company : XXXXXXXX XXXX XXXX XXXXXXXX : XXXX Date of reported late payment : XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Product: Debt collection

I am filing a complaint against a debt collector, XXXX XXXX XXXX, for misreporting a medical debt on my credit report. The debt in question originates from a clinical/medical visit but is being reported as a retail collection, which is inaccurate and misleading. 

According to CFPB and industry guidance : Medical debts under {$500.00} should not be reported. 
Paid medical debts should be removed from credit reports. 
Furnishers must report medical debts as medical, not retail or other categories. 

This misclassification is harming my credit profile and may violate the Fair Credit Reporting Act. I am requesting an investigation and that this item be removed or corrected immediately.
Product: Money transfer, virtual currency, or money service

Cashapp had no way of communicating for a long period of time making it hard to get refunds and ask questions
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the third time that you provide the method of verification you used. A letter was never sent to my current address or METHOD OF VERIFICATION. I requested the following information : The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute To date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be deleted immediately. 
Name of Account : XXXX XXXX Provide Verification : XXXX XXXX  UNVERIFIED ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not fix error.
Product: Bank account or service

I made a timely payment electronically to BSI Financial. I received a notice that the payment had been scheduled. The payment did not get processed. I emailed and then called BSI to find out what the problem is. They can provide me no explanation for why my payment will not process, they can not locate a supervisor to talk with me and they will not provide me the information of the government agency they are accountable to. How can I get BSI Financial to properly process my on line loan payments?
Product: Credit card

Approximately XXXX months ago Barclay raised the limit on XXXX my credit cards from {$2500.00} to {$6500.00} in recognition of responsible card usage. Less than XXXX months ago I contacted Barclay to shift some credit line from XXXX account to another. The credit analyst who processed my request told me that by Barclay 's standards I manage my credit excellently. Then, on XXXX/XXXX/2015, Barclay closed all my accounts locking up rewards worth a total of {$1100.00}. This was comprised of XXXX points on an XXXX Extra Points Card ( valued at {$0.00} per point = {$900.00} ) and XXXX points on an Arrival Plus Card ( valued at {$0.00} per point = {$190.00} ). I have made no change to my use of the cards at any time in the last XXXX months ( the duration of my credit relationship with Barclay XXXX. I am left with no access to my earned rewards and have only been provided with a vague explanation that my accounts were closed for their usage XXXX the same thing that prompted increased credit lines and verbal praise from a credit analyst at the bank ).
Product: Student loan

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. Given the severity of this breach and the resulting compromise of my personal and financial information, I requested you immediately cancel and discharge my student loan debt in full. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX XXXX Balance {$260.00} Inquiry : XXXXXXXX XXXX Inquired on XX/XX/2021 2021
Product: Student loan

I have direct federal loans that were taken out for my XXXX XXXX in XXXX. My current balance is XXXX XXXX given the accrual of interest over time. I am a XXXX  XXXX  in a XXXX XXXX  XXXX, finishing my XXXX  year of employment, and my loans are eligible for forgiveness through the public service loan forgiveness program. In XXXX, my loans were put into administrative forbearance due to the lawsuits against the SAVE plan, which I was enrolled in for payment. During these months, I did not gain credit toward my PSLF despite continuing to work in the public sector. On XX/XX/XXXX, as soon as the option became available through the website, I applied to change to the XXXX  payment plan which, although would increase my monthly payment dramatically, would afford me the opportunity to make payments that counted towards my PSLF. My application has sat pending since XX/XX/XXXX with no additional follow up information, despite the website indicating that processing can take up to 30 days, or as many as 60 days in busy times. I reached out to FSA regarding the stall in processing in early XXXX and was told the concern was on Mohela 's end. I was unable to connect with a representative when I called due to extremely long wait times, and sent a help email through Mohela 's website, which was never responded to. 

Recent communication ( XX/XX/XXXX ) indicated that SAVE borrowers could switch to an XXXX plan and requests would be processed within 10 days, or you would be put into a forbearance for up to 60 days during processing that would count toward PSLF. Since then, I have filed a complaint via the website, attempted to call Mohela on three occasions ( quoted at a 4 hour and 25 minute wait each time ), and have submitted a new application to switch payment plan ( which went missing from my account the next day, and was not accompanied by the typical letter of receipt ). At this point I am losing extremely valuable time towards my loan forgiveness. I was scheduled for forgiveness in XXXX of XXXX, which has now been pushed out to at best, XXXX of XXXX because of processing incompetencies and delays on the part of Mohela. Mohela has been inaccessible, given that as a professional working in the public sector, in person, with children, I do not have the capacity to wait 4 and a half hours for what will be a lengthy call to begin. I have received no further communication through my accounts, and when I attempt to contact FSA, I am directed and transferred back to Mohela. At this point, I have lost credit for the months of XXXX, XXXX, XXXX, and XXXX due to the forbearance, and the months of XXXX, XXXX, XXXX and XXXX due to processing delays and incompetence on Mohela 's part.
Product: Mortgage

Chase Home Lending offered me a mortgage rate reduction without refinance closing costs. 
They initially denied the loan based on a reported child support payment delinquency. I provided them with official documentation from the child support agency that I have a perfect pay history. 

Next, underwriting denied the loan based on disputes appearing on my credit report. The disputes ( resolved in my favor ) pre-date my current loan with Chase. At this point it became obvious that Chase did not want to do the offered rate reduction but rather sell me a full cost refinance. 

Because Chase led me to believe they would lower my mortgage rate, I passed on much more favorable refinance terms available from competitor lenders while this was in process. These terms are no longer available and Chase is advising me to apply for a full cost refinance transaction now. This after they advised me I was getting a rate reduction. 

This business practice has materially harmed my financial situation, ultimately costing me thousands in lost opportunity to refinance with a competitor lender. Please have someone look into this practice and advise. 

Thank you,
Product: Checking or savings account

I opened a Cash App account and used it to buy stock in last year. However, my Cash App account balance changed to Negative on XX/XX/2020 without any reason suddenly. Then, I could not sell my stock, and could not withdraw my money anymore. I tried to contact Cash App support to sell my stock and withdraw my balance, but they told me Your account has been found to be in violation of our [ Terms of Service ( XXXX XXXX XXXX ) ] and has been closed. And they did not explain more details about it, and they never help me to solve my problem.
Product: Credit card or prepaid card

I lost my job with XXXX  and called them they dont care they are ruining hurting my credit score by reporting me delinquent for so many days but wont accept a settlement or offer me one to satisfy this debt with them I cant afford to pay them the full balance when Im not working all they offer is payment plan but I want a settlement to get rid of them {$500.00} but they wont settle with me so how am I supposed to work with them and how much longer for them to offer me a settlement in this amount they have to take a loss
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.

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 ) and 1681s 2 ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of applying for a mortgage. A brand new negative entry for a collection account from " XXXX '' has recently been added to my Equifax credit report, approximately 2 weeks after the mortgage application. I have never had an account with XXXX, and date of last activity for the account is listed as XXXX 2013. I have never been contacted by XXXX, no phone calls, no mail, no emails, over the years that have past since XXXX 2013. This means I've had no recourse to dispute validity directly with them, and so it appears to be in violation of the FCRA. Unfortunately I have no documentation to send with this complaint, because I've never been provided with any information on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and Equifax about a Fraud account reporting to my credit report. XXXX XXXX  XXXX date opened XX/XX/2018 has reported a Fraud account for over a 3 YEARS! to Equifax and XXXX. I have sent both the Credit Bureau police report and the FTC report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the address associated with XXXX bank account is inaccurate, and the date last reported is not accurate. This Ground for removal they also Violated my rights under 15 U.S.C 1681 section 602 A. states I have a Right to Privacy 15 U.S.C 1681 section 604 A Section 2. states A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Online IN SV XXXX, XXXXXXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Trying to collect on a old judgment from 14 years ago and have had no contact with me until XXXX XXXX sent me court papers with no court stamp or anything on it and said that they were garnishing my wages for a old judgment from XXXX in Wisconsin that I do n't remember I moved to South Dakota in XXXX and was not contacted until the XXXX of XXXX XXXX about this. 
The original amount was XXXX something according to the clerk of courts in XXXX Wisconsin and they got a judgment for XXXX I was not in Wisconsin I was in South Dakota I left them the collateral In there parking lot and they have added interest of XXXX to the amount so now it is XXXX. I asked for a copy of the file and the lady XXXX XXXX told me no I could not have as it was over XXXX pages. 
They have not sent XXXX letter to me In the past 14 years and they could have gotten my address and such right off the internet I XXXX myself and I found me and it is on file at the XXXX XXXX Courthouse And has been for years. 
These papers they sent are not legal were never filed in court yet they charged me XXXX for filing in court for garnishment there is not XXXX XXXX stamp on them and they were sent from an address in XXXX Wisconsin not from the court house but no heading on it just the address. 
XXXX tactic is what this was my address and such has been in the XXXX XXXX XXXX house for years they said they could not find me yet they say I was served with the judgment papers which would have had my address on them that was returned to them and I did do a complaint with the FTC also. 
Wait 14 years then add interest to the loan seems like a down right scam to me they could have found me they did now after 14 years not sure how they did that either. 
I have had numerous loans in South Dakota and not once has this debt showed up on my credit report if it had it would have been paid. 
XXXX XXXX told me it was undocketed so they never sent it to a credit reporting agency. I have her phone recording I record all of my phone calls. 
Wisconsin XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Thank you
Product: Consumer Loan

I have received a credit report marker for a thirty and sixty day credit marker for my XX/XX/XXXX and XX/XX/XXXX payments. However, I had arranged a deferral contract for my monthly payments to be extended onto the end of my lease period. Because my monthly payments were brought up to date via deferral - my account was brought current in XX/XX/XXXX. I am requesting for the credit markers to be removed.
Product: Credit card or prepaid card

There were three fraudulent cash advances and advance fees charged on my XXXX XXXX rewards card. The cash advances were total {$1500.00} and advance fees were total {$75.00}. The cash advances happened places I never visited. According to the credit card 's statement, the first cash advance happened on XX/XX/2020 on XXXX XXXX XXXX, XXXX, NJ, total {$500.00}. The second cash advance happened on XX/XX/2020 on XXXX XXXX XXXX, XXXX NJ, total {$500.00}. The third cash advance happened on XX/XX/2020 at XXXX, NJ, total {$500.00}. During those days I was never in those places in NJ as I live in XXXX. I have called the credit card company several times since XX/XX/2020 and reported the fraudulent activities. After XX/XX/2020 I received a letter from the company stating after their investigation those transactions are valid and they declined my fraud claims. Their reason is simply because it's a chip card. Now they say I am responsible for all the fraudulent charges on the card including interests, late fees incurred as I was waiting for resolving the issues. As a medical doctor working during those three days in XXXX, I can provide proof that I was not in those places during those three days. Thus, this is totally unreasonable for a credit card company to just simply put the all the fraudulent charges to a honest, five-year-long customer. As we know chip card technology is not 100 % safe.
Product: Debt collection

I reached out to Convergent in regards to the debt not belonging to me, I asked them to provide all the identifying markers to support their claim such as, Copy of original contract bearing my signature and a copy of the State or Federal ID that was used when account was opened, instead of providing those documents, they only provided a computer generated bill.