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

Dispute of Updated Account XXXX ( # XXXX ) and REQUEST FOR Verification Method as per FCRA Section 611 I am filing this complaint regarding an unresolved dispute with XXXX ( partial account number # XXXX ), as reported on Experian report # XXXX dated XX/XX/year>. Despite an update to the account, several significant inaccuracies persist across all three major credit bureaus, specifically : Account Number : Variation in the reported account number. 
Date Opened : Inconsistent reported dates. 
High Credit : Discrepancies in the high credit amount. 
Credit Limit : Inaccurate credit limit amount.

Payment Status : Differences in reported days late.

Last Reported Date : Inconsistent dates.

Date Last Active : Inaccurate reported dates.

Date of Last Payment : Variation in reported dates.

These inaccuracies negatively affect my credit profile and may impact my financial stability. Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have requested a detailed description of the verification procedure used to confirm this information. I am entitled to : A complete description of the procedure used for verification, including the method employed.

The contact information ( name, address, telephone number ) of each person contacted concerning this account.

Copies of any documents bearing my signature that demonstrate my contractual obligation to pay the claimed amount, as per Section 609 ( a ) ( 1 ) of the FCRA.

I am demanding a full reinvestigation of this account and details of the verification method, as required by Section 611 of the FCRA. Additionally, any response based solely on the automated XXXX verification process will be considered insufficient. 
I have filed my complaint with the Federal Trade Commission ( FTC ), in accordance with the FCRA. FTC Report XXXX : XXXX regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is still reporting this account on my report after I filed an FTC report for identity theft. This is not my account and it was opened as a result of identity theft. They still refused to remove the account after I sent in my FTC report documents.
Product: Mortgage

During a fha refinance, the loan officer asked us to remove auto pay and not pay mortgage, due to his certainty that payoff would be in XXXX. XX/XX/XXXX the loan officer said to pay XXXX. Payment was made from alternative checking account XX/XX/XXXX. Money was in savings, though. The payment was returned for non sufficient funds. 
XX/XX/XXXX an email was received from amerihome stating payment received. Later that day an email was received saying payment applied. I understood as cleared. XX/XX/XXXX and XX/XX/XXXX calls were made to amerihome asking why we were on a covid forebearance that we did not ask for. At no time did I receive any info about XXXXunds  from amerihome. XX/XX/XXXX late night, I noticed money was still in acct. I called amerihome XXXX XX/XX/XXXX to ask what was going on, They said I was on a forebearance again. I immediately paid again and followed up later. I said that the covid forebearance they inappropriately put me on has made the process too confusing and that I asked it not be reported as a 30 day late. They refused. I tried again, they refused. XX/XX/XXXX I recieved an email saying again I was in covid forebearance and that payments would be stopped. I called and asked again what was happening. This was a good time to inform me of the XXXX and explain what was happening. Their miscommunication and automatic covid forebearance enrollment when you call them is the cause of the 30day late payment. I believe this was unfair and unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received 2 alerts from my credit monitoring service that my credit was obtained from Santander and XXXX XXXX. I have tried to contact the agencies and they both deny the claim. I am not shopping for a new car
Product: Credit reporting or other personal consumer reports

When I recently check my credit score on XXXX XXXX  I notice these fraudulent account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 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, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I'm unable to use the Shell/Citibank master card that I received. I am unable to log into my account or change my privacy preferences. After I register the card there is a constant online error message. The company first said that these were all technical errors and that I should change my pass code and register the card again. This did not solve the problem. The company then stated that they would have to talk to 'management ' to resolve the issue, and that this would take an additional 10 business days. Furthermore, I am unable to opt out of information sharing. The automated system simply disconnects the number and says that it's unable to process any such request. Furthermore, my cash advance limit was limited to {$50.00}. This raises extreme privacy concerns involving the company Shell and officials in the state of Arizona where these crimes are being perpetrated.
Product: Credit reporting or other personal consumer reports

I have an unauthorized and unverified inquire on my credit report with a company named tower loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off 1. XXXX Account Number : XXXX 2. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX 3. XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account XXXX : XXXX 5. XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX Account Number : XXXX I demand for Collection charge off accounts be deleted immediately and for open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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 about whom the report relates. 

For Open Account Invalid Latepayment 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXXXXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy and completeness of the aforementioned account. I hereby formally request that the dispute remarks associated with this account be expunged from its reporting.
Product: Credit reporting or other personal consumer reports

Someone stole my identity and has misused my personal information to open accounts under my name without my permission. I am asking for the accounts to be removed from my credit report. 

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

In accordance with the Fair Credit Reporting Act 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 and or permission. 

XXXX / XXXX CREDITOR : XXXX XXXX XXXX  DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Vehicle loan or lease

My loan is NOT paid off. Huntington Bank is holding my title. I moved to Oregon, and contacted them on XX/XX/2018 and spoke to XXXX.. asked, per Oregon DMV , to have the title sent to them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX so I can tag and title my vehicle within 30 days, as required by law and my insurance company. I was also asked for my new mailing address, which i gave. I was told it normally takes 2-3, but I rush would be requested and it should arrive within 10 business days. On XX/XX/XXXX, received a call from XXXX, supervisor, stating they were unable to send my title to DMV,  because they didn't have my updated address. It was given again, was told tithe would be mailed on XX/XX/XXXX. By XX/XX/XXXX, title was still not received. I've called 4 times since, with broken promises of callbacks, and nothing. Told the title department isn't responding to emails. I've asked for email address, told was for internal use only. No direct line to call. Now, I'm 31 days. ... over a dozen calls, hours on hold and no title to be able to legally tag or insure my car. I've never been late on a payment. Feeling helpless ... worse customer service ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have {$5900.00} on my credit report from SENEX I have '' NO CONTRACTS '' with this organization. I have contacted the 3 credit bureaus in the past as well as this SENEX place. This information has been affecting my credit report as half my total current credit. I am XXXX and on a fixed income so I don't know what to do.
Product: Payday loan, title loan, or personal loan

I had XXXX XXXX XX/XX/XXXX spent a week in hospital. Had a XXXX   XX/XX/XXXX and admitted again for 3 days with XXXX XXXX. I am unable to drive or ride any long distance in a vehicle until doctor releases me. I called XXXX  on XXXX XXXX XXXX explaining situation. XXXX told me to call back Friday XX/XX/XXXX to verify what doctor said. I called and XXXX wasn't in, but, a man talked to me, saying, he also is a manager. I asked if the late fees and interest rate could be paused, since I am unable to drive to XXXX XXXX to make payment. They won't allow debit card, or another person taking payment in. Has to be only myself with cash. He refused. I have no control over my physical conditions that are preventing me to go 35 miles to make cash payment. I am also being charged 56 % interest and had to buy additional insurance I don't need but, required for loan.They say you can refuse eit, but, if so, it also contributes to breaking contract and taking my car.

In XX/XX/XXXX, my XXXX  check had error, so, I was XXXX short on payment. I drove there with XXXX. Payment at that time was XXXX They refused what I had because it was not whole amount. They " suggested '' I borrow XXXX  from a friend, come back on Monday, make payment, and turn right around and borrow more to repay friend. The catch, the minimal they loan, another XXXX. So, now I am in XXXX and only able to make the interest payment every month of XXXX, IF I AM ON TIME.Now, I can't make any payment from being home bound until i can walk and drive again.

It doesn't seem right, they can take my car because THEIR POLICY WON'T ALLOW ANYONE OR ANYWAY FOR ME TO PAY, EXCEPT FOR MYSELF. Along with the fact, I am very XXXX   now and unable to travel.
Product: Debt collection

I received a collection notice today ( XX/XX/2020 ) from Design Receivable Solutions dated XX/XX/2020 regarding a medical bill in the amount of {$300.00} from XXXX XXXX XXXX XXXX. Ive received several blank statements with no explanation of what this amount is from. An attorney also requested this same information as well on my behalf. To date, I have not received any back up information about this bill and I can not verify that it even belongs to me. This mystery bill showed up after I paid out of pocket for my first XXXX session ( {$1300.00} ) and my insurance ended up paying for this XXXX session and I was entitled to a refund. Instead, XXXX XXXX kept my money even after my insurance paid them as well. This bill is a mystery. They kept sending a blank statement with no explanation and now they sent me to collections! How about sending me the proper back-up to myself or the attorney that requested the information. Taking advantage of a XXXX patient is shameful!
Product: Credit reporting or other personal consumer reports

I submitted a dispute request, to have information on my report updated, due to my divorce, I sent them my divorce decree, that CLEARLY states, that I am no longer responsible for the mortgage and Payments @ XXXX XXXX XXXX XXXX, Mi XXXX. I have contacted the mortgage company with the same documents and information, I have also attempted to get the mortgage company to transfer the mortgage over into my ex-wife name or assumption of Loan. this debt should be removed from my credit report, since the home has been taken from me and I am no longer living in the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX and they have confirmed there is no bankruptcy showing on my profile however both XXXX and Experian are the only ones reporting a bankruptcy on my credit report that doesn't belong to me.
Product: Student loan

The representative spoke in a kindly manner and I have not had any issues since the recently with Nelnet. I have always made payments on time and never missed any either. 
When I inquired recently regarding change of repayment plan from the income driven to the standard repayment plan. The first attempt to make the change I spoke with a representative that had notified me that I would have to make 3 qualifying payments to change into the said plan. Then she had quoted me an amount that I would have to pay for the loan of {$70.00} and some change for the standard repayment plan of the 10 year term. ( 120months ) When I called the second time to make the change towards the account. The representative quoted me the same amount and had said that the paperwork would be completed and submitted. After a month passes and i am getting ready to make my regular payment I see that there are no change to the account or payments. So I call Nelnet today XX/XX/2018 and speak with a representative that states, that I can not switched into that plan because it was a forced income driven plan. Then I get upset with them and then she states that she would be able to change the plan. She had me wait on hold while she looked into the account. When she returned she quoted me a new rate of {$71.00} and some change. Also shes said that it would take 5 day for them to process the paperwork. I was upset with her in regards to the new higher quote. So we got off the phone, she calls me after 2 mins of hanging up. She said she didn't like the way that this ended and want to see if there was something more that they can do. Furthermore, she has me wait of hold and returns after some time to tell me that I will be talking to a new representative named XXXX. ( The irony here because I attended XXXXXXXX XXXX XXXX XXXX University ). She warns me now that there might be more fees and payments associated with the new plan. When speaking to XXXX I learned that my new payment will be XXXX. At this point i'm to drained to argue. Then he failed to inform me until I questioned him the details, that the new standard plan run 12 years instead of 10 years which is unheard of. I just experienced the most deceptive strategies that any loan account services organization can provide. You can refer to the call on XX/XX/2018 with representative XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent bankruptcy into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent bankruptcy by XXXX XXXX XXXX XXXX XXXX - DOCKET NO : XXXX was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.
Product: Credit reporting or other personal consumer reports

CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. Original complaint ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} XXXX XXXX  XXXX {$800.00} XXXX XXXX XXXX {$29000.00} XXXX    XXXX {$6300.00} XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.
Product: Money transfer, virtual currency, or money service

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

Contacted MiLend Inc in XXXX, GA back in XXXX of 2017 of securing a mortgage through them. Spoke with a young girl named XXXX who was new with the company. Explained our circumstances of what we were looking for in our loan. She seemed to tell me everything I wanted to hear. We had a fresh appraisal and wanted to use that and not pay for another, " no problem I heard ''. Wanted a interest rate for a 15 year fixed at 3.5 %, yup we can do that as long as everything with you checks out. Both my wife and myself have over a 750 credit score and should yield some of the best rates. Having a credit history of paying mortgages for over 30 years with not ever making a late payment was also another attribute as to our risk factor. Then the phone call in the 11th hour. We have to pay for another appraisal, ok we '' re not happy but we '' ll go along with it. Oh yeah the 3.5 % interest rate is now 4.25 % with a lame excuse of we were only borrowing {$90000.00} and loans under {$100000.00} have to pay more to make it worth it to their investors. Closing costs that were said to be approximately {$2000.00} are now inflated to over {$4000.00}. When I called to talk to a supervisor I was given a run around. At that point we pulled the plug on them. I can only say a deceitful company, shame on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012. 

The damages that they are claiming that I owe were caused by XXXXurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.