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

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$20000.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$850.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$930.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$2100.00} XXXX XXXX XXXX - XX/XX/XXXX - {$170.00} XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX  - XXXX - XX/XX/XXXX - {$330.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days , pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Experian deleted my entire credit history notification from the last 3! years. This information was proof of credit sabotage and harassment. Recently I have noticed the same pattern where account information is not being. reported correctly. Since I have reported the notification issue Experian have not notified me of a collection being removed. XXXX XXXX  was reported and points were decreased. The account have recently been removed and the score didn't not increase and there was no notification of this account being removed. When means there was no credit score increase. This can not continue to happen. I will keep striving to raise awareness of Credit Bureaus practicing Credit Sabotaging and Harassment which I believe is XXXX profiling. It is definitely harassment. This matter needs to be corrected immediately.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I Recently my credit report and found inquiries that I did not initiate along with an account I Submitted an FTC report and am now demanding deletion of these fraudulent accounts, as they have damaged my creditworthiness caused me anxiety and mental stress, impacting me from utilizing my credit. IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 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 Will also be seeking compensation for the damages caused to me. 
Defamation of Character : {$1000.00} Mental Stress : {$1000.00} Impending Usage of Credit ( Creditworthiness ) : {$1000.00} for a total of {$3000.00} IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; *This is a Correction to the previous Dispute.
Product: Credit card or prepaid card

I had a payment that was due on a nonbank weekend day of Sunday, XX/XX/2022 XXXX and my payment did not post until Monday, XX/XX/2022 XXXX. They charged me a late fee and refused to reverse the excessive and harsh late fee after multiple secure emails. My payment history with this company has generally been excellent and it has been well over a year since any kind of assistance was needed with this account under much different circumstances. 
There is no logical reason why I should be penalized for clearly trying to pay my bill and then appear late due to an off bank day issue with how they do their payment due dates. There is absolutely no demonstrable loss from the bank of anywhere near {$30.00} for a completely systemic timing and electronic issue AND I was clearly trying to get and have my bill paid on time!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear XXXX Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

**Accounts in Question : ** jpmcb card services late payments XXXX balance of {$920.00} **Personal Information : ** XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, La XXXX - SS # XXXX - DOB XX/XX/XXXXXXXX  This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 
2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 
3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 
4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 
5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 
6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX I have never done business with FEDERAL ADJUSTMENT BUREAU COMPANY there is a account entry # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt. I failed to see anywhere that FABCO is in compliance with 1319.12 ( O.R.C. ) Taking Assignment of Debt!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax All above companies are reporting that I have a delinquent account that is active that was closed years ago. XXXX XXXX is stating I have an outstanding balance with them.
Product: Credit card

Care credit charged me interest when supose to be 0 % interest for 6 months same time as the care credit law suit
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Product: Debt collection

About a month ago, early XXXX XXXX, XXXX XXXX started reporting to the credit bureaus that I owed {$51000.00}. I immediately contacted them, could not get a human on the phone, and never did receive proof that I owe them money. 

They have never contacted me personally -- ever. 

I ended up contacting the Credit Bureaus. They were able to see it was for a student loan from XXXX. I graduated school in XXXX. We placed a identity theft alert on my accounts. I 've had all the company start researching this account. 

Since then, every week the company raises the amount I owe by $ XXXX {$30.00}. It 's very arbitrary. I still can not get a person on the phone.
Product: Credit reporting or other personal consumer reports

recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete.

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.
Product: Mortgage

On XX/XX/2020 we completed a refinance of our primary residence. Mr. Cooper, our old mortgage company, issued a payoff statement dated XX/XX/2020 to our title company, XXXX XXXX XXXX. On the day of closing, XX/XX/2020, Mr. Cooper paid our Homeowners Insurance from our impound account. There was a {$230.00} shortage in our impound account and the Title Company 's payoff wire transfer was refused by Mr. Cooper for this reason. We were contacted by the Title Company on XX/XX/2020 and advised to contact Mr. Cooper and pay the {$230.00} shortage so that the wire transfer could be accepted. We contacted Mr. Cooper on XX/XX/2020 and agreed to pay the shortage from our checking account that we were already using for our auto payments of our mortgage. XXXX XXXX, the Mr. Cooper representative completed this transaction over the phone, telling us we were paid in full and that this would take care of the shortage ( we have an audio recording of this phone call, and we received their permission to record the call. ) We were contacted on XX/XX/2020 by XXXX XXXX, Legal Counsel at XXXX XXXX XXXX XXXX, saying that the wire transfer had again been refused. We contacted Mr. Cooper and were told that the payment was never received and that we are now responsible for late fees and that we are delinquent on our mortgage payments with them, resulting in thousands of dollars. We have been back and forth with Mr. Cooper on multiple occasions, along with XXXX XXXX XXXX. Mr. Cooper has returned the wire transfer payoff at least 4 times to XXXX XXXX XXXX and XXXX XXXX XXXX keeps sending the payoff back to Mr. Cooper. We have escalated this issue to the Research Department at Mr. Cooper, and then the Customer Relations Department at Mr. Cooper, but from the latest response we received dated XX/XX/2020, we are more confused than ever. Mr. Cooper has obviously refused to listen to the recording from XX/XX/2020 when we agreed to pay the shortage. In paragraph 4 of this letter they say " our records do not reflect the amount of the {$230.00} that you stated you paid to XXXX XXXX. '' We authorized to pay this amount to Mr. Cooper, not XXXX XXXX XXXX. If they would listen to the phone conversation, they would realize this. We have 2 loans on our home, we are thousands of dollars behind due to penalties and interest on our old mortgage with Mr. Cooper, and no one at Mr. Cooper is able to understand what has transpired to bring this to a satisfactory resolution. We have attached the audio recording from XX/XX/2020, which clearly states that they had taken the payment of {$230.00}, reported to us by XXXX XXXX XXXX, from our checking account that would satisfy the escrow shortage. We have also attached the XX/XX/2020 letter from Mr. Cooper.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on XXXX XXXX, 2017 from Equifax and XXXX ( I have multiple monitoring services because my identity has already been stolen ) that an inquiry was made for my credit through a company called XXXX XXXX. I called XXXX XXXX who told me I had to go through Equifax to get the name of the company who actually requested the data since they are a service provider for home and apartment rentals and do not make requests directly. I called Equifax who told me I had to go to XXXX XXXX to get the information. When I told them that I was directed to Equifax by XXXX XXXX I was basically told tough luck. 

As background I have a credit freeze on with Equifax. I do not understand how they can continue to operate with the issues they have created. Plesee help me get the information so I can insure that my credit is nt being damaged further. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company to request the documents be sent to me to validate this debt and have yet to be sent any information. Then I contacted the cras XXXX and XXXX and reported the fraud. XXXX told me that it does not meet the guidelines. This account is not mine ALSO this account is 60 month terms that would have ended XX/XX/2021 but still reporting late payments. The balance continues to fluctuate going up and down. Last month XXXX they reported a {$310.00} payment due. This account is incorrect unfair and becoming a burden on my credit. Also the date opened, payment status, date last active, and date last reported are not the same. Under fcra guidelines I have the right to a fair and accurate credit file..Please remove this account from XXXX AND XXXX ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I requested XXXX to place my loan in a SCRA status due to me being called to Active Duty in the Army Reserves. XXXX failed to do so, so I filed a complaint via a regulator. 30 days later I received a XXXX ansld letter that loan payment was no longer needed and dismissed. Now forward to XX/XX/XXXX I received email stating that the account is with a collection company. I contact the collection company and they was not able to provide any information as the account was new. 

XXXX inconjunction with this collection company committed unfair practices by attempting to collect a previously forgiven date. XXXX lied to regulators that the loan was forgiven in XXXX, and is now trying to collect the loan. Therefore XXXX has decieved not only me but also the federal government and this debt collection company is colluding with them.
Product: Credit card

Capitol One is reporting that I was late on my XXXX payment to my XXXX XXXX Credit Card Account to all three Credit Reporting Agencies. At the time this happened my account was set up on automatic payments from my debit account. I noticed my checking account had not paid my account. So I called XXXX XXXX Credit Card Services. They verified that they had not received my payment because Capital One was no longer going to service my account so I paid my account. At that time I was 5 days past the due date not 30 days late as reported by Capital One. In fact XXXX XXXX credited my account the late fee that had been added and updated my information about my checking account. I was also informed that XXXX was sending me a new card in the mail and that they would be handling my account. I did in fact receive my new card in the mail. The account number is XXXX. I contacted Capitol One on Friday XX/XX/XXXX and provided my Social Security Number to them. However they could not find my account number. I did obtain my account number XXXX today and provided it to Capitol One. Now Capitol One insists that they have no record of this account and refuses to remove or correct the falsely reported 30 day late on my Credit Report, and they insist that XXXX is making this report and to contact them. I called XXXX and they informed me that they can not make any report to the Credit Bureaus about my old Capitol One account and that it is Capitol One who is reporting this information. I also filled disputes with all three of the Credit Bureaus as well. I spoke to an agent at XXXX XXXX this morning who informed me that even if I am correct that they can not change my report even with proof. I appeal to CFPB for protection and request that our Credit Reporting Agencies be given the authority to correct our Credit Reports if the Creditor or your agency is able to provide proof the report is not accurate. I also appeal to CFPB that Capitol One be required to update my information and report my payment history as paid on time as agreed because it is true. Capitol One no longer services my XXXX XXXX Card. At that time XX/XX/XXXX Capitol One did not obtain my payment even though they were responsible for obtaining the payment from my debit account. As a result of Capitol Ones mishandling of my account caused me to be 5 days late not 30 days late. It is my belief that Capitol One intentionally did not take my payment from my debit account on time as they were required to do because of their failing relationship with XXXX XXXX at that time. It is my understanding that Capitol One has no proof that my account was not paid as they no longer serviced my account. I paid XXXX XXXX on the phone so XXXX received my payment and reported receiving my payment on time as agreed. This is all a big misunderstanding that I had nothing to do with. It was between XXXX XXXX and the banks. Please investigate this matter and make Capitol One correct this report to show I paid my account on time as agreed.
Product: Debt collection

Convergent Outsourcing called my personal cell phone number in an attempt to collect a debt. Last I checked it's a violation of federal law for debt collectors to call the personal cell phones of customers to attempt to collect the debt. The debt collection agency called me from telephone number XXXX. I looked them up and their website is : https : //www.convergentusa.com/. 
My telephone number is also registered on the Federal Do Not Call list and has been for several years.
Product: Credit card or prepaid card

On XX/XX/2018 XXXX XXXX card company received my XXXX compensation check from the Veterans Affairs Administration and have yet to send the check back or offer a better solution so that I may receive funds. It has put me in a hardship and i risk losing my home and vehicle as they have not yet sent the check back to Veterans Affairs, I desperately need my money and do not understand why they have not send it back yet. It has put me in a terrible hardship. Can someone please help. The check is a little over {$3200.00}. I have called them once last week and once today which is XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Errorenous reporting that must be REMOVED. It's been over 60 days since XX/XX/year> I sent my dispute and I havent received a response. This must be removed immediately BankruptcyXXXX Status : Discharged Reference # : XXXX XXXX Amount : Date Filed/Reported : XXXX Closing Date : XXXX  : Exempt Amount : {$0.00} XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX  Account : XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX Account : XXXX
Product: Debt collection

On XX/XX/2022 I paid {$270.00} for an application fee at XXXX XXXX XXXX XXXX XXXX ( see attached proof of payment ). Management ran a special where I was to be refunded my application fee if not approved. I wasnt approved, and initially wasnt refunded so I contacted XXXX XXXX XXXX XXXX ( see attached email correspondence ) requesting my refund and I also notified my bank. My request with XXXX XXXX XXXX XXXX was granted and weeks later I did receive a check in the mail ( see email correspondence ) at which time I updated my bank. I began receiving collections attempts from Genesis and, knowing there was no debt, called to inform them that this account was placed in error and to provide necessary documentation. I was connected to a rep who taunted and harassed me for not sharing personal information aside from what was necessary to verify my identity. The rep was too busy with his guilt and shame tactics to listen to the reason for my call and refused to accept my requests to send proof. I then called in a second time and was advised by XXXX to send in proof of payment to have the debt removed from collections and provided an email address. I sent the proof of payment ( see attached email correspondence ) and never received a response. I did, however, receive a debt verification letter with my original application to the apartment and a ledger from XXXX XXXX XXXX XXXX. These documents do not refute the fact that I owe nothing and that XXXX at XXXX XXXX XXXX XXXX  verified via email ( see attached ) that not only did I not owe them, that they owed me and would issue a check. On top of the shady practices of shaming, harassing and failing to follow through on their word to remove this false debt with discussed proof, Genesis has called me multiple times after I requested in my phone conversation with both reps on XX/XX/XXXX to not receive any phone calls. I am requesting that this erroneous debt be removed immediately from all credit reporting agencies.