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

I previously disputed the accuracy of payments to this account with Total visaXXXX company claimed payments are correctly being reported but I pulled my reports yet again and found multiple innacuracies in question on XXXX and XXXX  payments are being reported with different past due dates of XXXX XXXX XXXX of XXXX on XXXX as 30 days late on each month where XXXX is reporting 60 days late for the same months. XX/XX/XXXX is 30 days late on XXXX and 60 days late on XXXX account is also 90 days late of XX/XX/XXXX on XXXX but 120 days late on XXXX. XXXX of XXXX account is charged off but on time on XX/XX/XXXX how is that possible? Again I am asking for this tradeline to be removed from my credit report it is not being accurately reported according to the FCRA you must report this account accurate if account cant be accurate complete and verified as we both know by law it must removed from credit report if it can't be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

A certified dispute letter was sent to XXXX XXXX on XX/XX/XXXX. Per USPS the dispute was received on XX/XX/XXXX. Up on speaking with XXXX XXXX they confirmed that the letter was received on the XXXX of XXXX. I disputed an unverifiable bankruptcy dated XX/XX/XXXX. per the law i demand this item be removed from my consumer report as well as my credit report. 

Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy .... 

Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation remove asap
Product: Credit card or prepaid card

I have repeatedly tried to work out my issues making payments with capital one but the refuse to provide a resolution for this situation. I need several months of assistance however capital one does this month-by-month thing so I can't get this resolved and I end up having to scrounge up money to make the payment or even worse im forced. For XXXX 's sake i sold my car last month just to be able to eat this this month I have contemplated XXXX at times and this is not helping my situation I mad eit clear I need 20-3 months But when you try to resolve this with them through the XXXX they have the audacity to say contact the customer service line I do that it goes to some place in XXXX they have no empathy they put me on and off hold I can't do this any longer But what makes this worst is that capital one actually placed hardship on me in the first place. They forced me to go out purchase a phone just so I could access my account online. My internet bill which now has a phone attached to it has gone up 50 dollars every single month because of this for gods sake youve caused me hardship fincially and they did nothing I'm at the point of frustration that this is going to take a lawsuit to get this resolved I'm tired of going through this no customer service n support center just a call center in XXXX what has to happen to get this resolved But I am tired of this just being told to call a customer service number I cant do this anymore im getting angry and I think if something isnt done then a lawsuit needs to happen im tired of dealing with capital one I am tired pof my payments going up every single month to the point where even if I have funds I cant make them if this doesn't change then something has to happen because I can not take this anymore
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an inaccurately reported late payment by Bank of America on my credit report. Despite making this payment on time, it is incorrectly listed as late, unfairly harming my credit score. As someone who diligently meets financial obligations, this error is deeply frustrating and misleading to potential lenders.
Product: Credit reporting or other personal consumer reports

JPMorgan Chase Bank , N.A . requested ( Hard ) inquiry without authorization : New credit inquiry It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 
INFORMATION FOUND Lender : JPMCB CARD SERVIES Inquiry date : XX/XX/2023 This is pattern this company use to continually ( increase and reduce ) credit score of the past ( 12 ) months. Seem to be a credit card issuer " Redlining '' for credit card holder with high credit balances. However pay all credit card on time without delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th Complaint informing the Credit Bureaus that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXXXXXX Balance Owed : {$440.00} XXXX  XXXX Bankruptcy Reference # : XXXX U.S. Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/202XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PNC has made changes that do not allow me to link my checking account to my XXXX card to pay others. I can use my XXXX card in stores and it will reload a balance from PNC but PNC will not let me make payments directly from the XXXX app
Product: Debt collection

Its Nationwide Credit & Collection Inc. They call from XXXX and text from XXXX. I am receiving multiple calls and texts that ask for verification of identity before they share info. They call 3 to 5 times a week and now have started texting. I pay all my bills and have no idea of any debts owed. They act threatening and say since I wont share identity verification I can just wait for the mailing.
Product: Mortgage

Due to the Covid19 emergency I called Select Portfolio Services to ask them for possible options to make payments because I stopped working 3 weeks ago ( I was in an overseas trip ) and Florida 's governor placed a ban to XXXX XXXX XXXX until XX/XX/XXXX. They said, " we are here to help, your option, stop payments for 3 months, interest will be charged and after those 3 months you have to pay 4 months at once. What do you think? '' What Do I think? I called them because I'm not working, I've never had a late payment. If I have the money I would not be calling. I won't receive money form the Trump 's Bailout but they will, why?.
Product: Credit card or prepaid card

American Express cheated me by lying and stealing my XXXX points! 

XXXX ; XXXX  - XXXX customer representative promised me access to my credit card points ( worth {$600.00} ) for 30 days after closing the account and the points instantly disappeared on card termination. 

I had called American Express customer service on XX/XX/XXXX regarding a late fee on my credit card ( American Express Premier Rewards Gold Card ) and requested to waive it since I hadnt used the card in a while and was not monitoring the monthly statements. Amex representative supervisor XXXX ( ID XXXX ) suggested I could close the account and they would waive the membership fee and the late fee on my account. I had around 64K points ( I had not used any points at all ) and asked her what would happen to those points. She said I will have access to them for 30 days and even specifically mentioned XX/XX/XXXX. I liked the idea and so went ahead and closed my credit card account over the phone with her. After a few days, I noticed my late fee was still there and so I called back, this time the representative XXXX ( ID XXXX ) took care of the late fee and again confirmed saying I will have access to my points for 45 days after closing the account. I was full term pregnant at the time and I had my baby on XX/XX/XXXX and didnt bother looking into any of this until around mid-XX/XX/XXXX. At the time, I noticed that my points were gone. I immediately called them back and they transferred me to the rewards department wherein all the representatives said that you lose points as soon as you close the account. I was very shocked and disappointed that I was lied to and my points were stolen. I complained to them with several follow up calls. They eventually transferred my case to some back office department. XXXX ( badge # XXXX ) called me and explained to me that they will have to request recordings of those phone calls in which the representatives had lied to me and if it was indeed the case then they would give me a gift card worth equivalent of my points. He said he will follow up with me every 3 days to give me an update on my case. I have been waiting for over a month and they call me every 2 weeks saying that they still havent received the recordings. I really can't afford to lose {$600.00} worth of points cuz that was the reason I applied for the card in the first place. I am looking for recommendations on how I can get this resolved and if anyone has experienced this before. 

PS : I was very skeptical of the Amex customer service from the very beginning and that is the reason why I have their ID and badge numbers noted down.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$3700.00}, {$8700.00}, {$2900.00}, {$8000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Product: Mortgage

I am writing to formally address several unresolved issues with my mortgage account with Mr. Cooper, that have caused me significant stress & frustration. Despite my repeated efforts to resolve these matters, I have not received a timely or satisfactory response. 

Correction of Hazard Insurance Charges I submitted my updated homeowners insurance policy well in advance, yet my account continues to reflect charges for hazard insurance. It has been two weeks since I provided the necessary documentation, and the force-placed insurance premium remains in my monthly installment. I simply can't afford to continue to pay for two insurance premiums and the inflated charge of {$800.00} on top of my mortgage. These practices are predatory and fraudulent. Where is the protection for consumers lie myself? It's important to note that I have never been late on any of my mortgage payments despite struggling to stay afloat. Something I am incredibly proud of. 

This practice is not only incorrect but could potentially violate my rights under federal laws, including the Real Estate Settlement Procedures Act ( RESPA ). I urge them to immediately remove the inflated hazard insurance charges from my account, cancel the force-placed insurance policy, and adjust my monthly payment accordingly. I have attached all relevant documentation for your reference. 

Continuing to charge for unnecessary or redundant insurance is unacceptable, and I will not pay inflated and unjustified amounts moving forward. 

Missed Appointment for Home Appraisal- to have PMI removed from my account, as I beeve my home has over 80 % equity in it. 
I paid the {$150.00} fee on XXXX XXXX for a home appraisal to be conducted on XX/XX/XXXX by one of your representatives, yet no one showed up or contacted me to reschedule. I have not received any follow-up communication regarding this matter. 

I demand either an immediate refund of the {$150.00} fee or the prompt rescheduling of the appraisal. This delay has further prolonged the removal of PMI insurance from my account, which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do n't know, nor have I ever applied, or signed Any application for ANY loan from  XXXX  c/o  XXXX  ... I received a email thanking me for applying for a loan, and that they were sorry that they could not provide the erroneous loan!!! This is/was unbeknowest to  me (   XXXX   XXXX   XXXX   )   .I  sent them a email letting them know that I had NOT applied for ANY loan, and that if they were reporting that to the C RA 's  that I would be filing a complaint in  XXXX   XXXX   Superior court for recklessly erroneously reporting this inquiry to the CRA 's in violation of the F.C.R.A.. I have also filed a  Identity Theft report with my local police station.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The List of accounts below has violated my Federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX Account Number XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I do not recognize this XXXX XXXX XXXX it just suddenly appeared on my Credit Report a few weeks ago. would you be so kind and delete it from my report.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. 

Here are a few inquires that I found on my credit report : XXXX. XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX loan balanceXXXX {$12000.00}. One year later, XXXXXXXX XXXX loan balance {$11000.00}. Payments made- $ 4,884.68-Principal received {$350.00}, Interest received {$4400.00}. No progress in paying off this " predatory loan ''. Please advise, on how to combat loan from One Main Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Debt collection

I have sent written notification to AFNI INC requesting documentation of any contractual relationship between myself, & AFNI INC . This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe AFNI INC, {$990.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Product: Debt collection

XXXX XXXX XXXX XXXX Pacific Service Credit Union are both illegally reporting that I owe them for the same account. This is not the fair credit Act. Pacific Service Credit Union has paid XXXX XXXX XXXX and has reported a collections on my credit for XXXX while XXXX XXXX XXXX is also collection for the same closed account for the amount of {$8100.00}, both companies are asking for me to pay a total of {$17000.00} for the same account. This is fraud, I have disputed this, because this needs to be deleted off of my credit, and both companies denied, and want to collect two separate payments totaling in {$17000.00} for the same account that was closed in XX/XX/XXXX, which was insured with insurance for payment in the event something happened to me, and it did. I lost my child, and XXXX stated that they was not going to accept my insurance coverage on the credit card, because I was XXXX  before getting the insurance, although my child was diagnosed with XX/XX/XXXX after I enrolled and was paying on the credit card insurance. My daughter XX/XX/XXXX, I lost her, and I lost my job because of it, and when I filled out the credit card insurance medical paperwork coverage to have them pay the credit card bill thru insurance that I was paying XXXX XXXX XXXX for credit card coverage, they denied it. The refused to accept the claim to pay the credit card off. I would like these companies to remove this error off of my credit report. 
I believe that the item should be removed from my credit file. XXXX XXXX XXXX refused to accept my claim for my credit card insurance payment to pay the bill off, while I was out on XXXX for the loss of my daughter, and then I was terminated by my employer. I wrote them a letter several times explaining that. I was baby. XXXX XXXX XXXX told me that my XXXX XXXX stemmed from the diagnosis I got about my daughter 'sXX/XX/XXXX XX/XX/XXXX, but I had a XXXX & XXXX in XXXX of XXXX, and started seeing a XX/XX/XXXXdoctor, so my claim should have bene paid. My XXXX claim was for XXXX regarding, my loss of child but, XXXX XXXX XXXX denied the claim stating my XXXX is associated with the diagnosis of my child before I got credit card insurance. I have attached my proof of documentation. 
Please have XXXX and XXXX XXXX XXXX delete this off my account. I have done everything out of goodwill, medical documents to have this resolved, yet they both are trying to collect money from me on the same account, which should be illegal