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

I mailed in 3 requests to company about the inaccurate and incorrect account status their reporting to my consumer reporting. Law is clear on experiences and transaction being excluded from a consumer report. I explain this to the company and sent in law document to support my order. The company failed to acknowledge it's mistake and continue to report adverse information on my consumer report. The company is intentionally damaging my reputation and general mode of living.
Product: Debt collection

My insurance company XXXX XXXX failed to pay an emergency room doctors fee because of a clear misread of my medical coverage. After spending many months trying to resolve the issue with the insurance company and the medical biller, the outstanding bill was sent to XXXX for collection. On XX/XX/2018, XXXX  Account XXXX XXXX stated that the unpaid debt would be reported to credit agencies if not paid in full. XXXX was contacted by XXXX XXXX on XX/XX/2018 ( two days later ) to let them know the account/bill was covered and was going to be paid by UHC and not to pursue the matter any further. The XXXX representative who XXXX spoke to was named XXXX. On XX/XX/2018, XXXX sent XXXX a Explanations of Benefits document showing that the bill was in fact paid in full. On XX/XX/2018, XXXX reported the unpaid debt to XXXX  and XXXX. An XXXX representative stated that they are not responsible for correcting the reporting to the credit agencies. This uncollected debt now appears on my credit report. This is a clear violation of the FDCPA.
Product: Credit card or prepaid card

I have a credit card with XXXX XXXX department store. My credit limit was {$2200.00} dollars with only one late payment reported on my credit history with the credit card. In XXXX, I received no mailer ( although they said that they mailed one ) that my credit limit was being decreased. The decrease was not due to my credit history with XXXX XXXX, but with a recent pull of my credit report. XXXX XXXX reduced my credit limit to just {$14.00} above my balance. This limit would be me over my new credit limit once the interest posts ( about $ XXXXmonth ) for the current month. When I called, the representative told me that the credit reporting agency determines the credit limit. After talking to a supervisor, they said that it was due to information received from the credit reporting agency. My issues and questions are as follows : 1. Why would XXXX XXXX pull my credit report again after establishing credit with them? 
2. They do not offer automatic payment options ( only one time early schedule ) which seems predatory because then they have a greater chance of missed payment and increased fees. 
3. Because they decided to decrease my limit, they have made it look like I have maxed out my credit limit ( which damages my credit ) when they actually decided to decrease it by {$800.00} in less than a week before statement cutoff time. Prior to the decrease, I used 59 % of my credit limit, after the decrease, I am 99 % of my credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.Medical XXXX Balance : {$95.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}
Product: Vehicle loan or lease

I obtained a 36 month lease from XXXX XXXX XXXX for a XXXX XXXX XXXX in XX/XX/2021 with financing through Chase bank. The lease information was incorrectly filled out with my husband 's birthday instead of my birthday ( lease is in my name only ). Therefore, this account was unable to be added to my existing Chase online bank profile due to the discrepancy. 

I called both Chase online support and Chase Auto Finance and faxed my driver 's license as proof of my birthday to have the information corrected. I received notification on XX/XX/2021 that the birthday was corrected with Chase Auto Finance. 

I then called Chase online support and Chase Auto Finance innumerable times ( totaling at least 8 hours on the phone ) on multiple occasions and no one can fix my problem. Chase Auto Finance says the birthday is correct, there is nothing for them to " fix. '' Chase online support says the birthday is NOT correct and therefore they can not merge the accounts and add this lease to my online profile. 

At one point, it was recommended for me to go to a Chase branch. There is no Chase branch within 1.5 hours of my home. This is an unreasonable request. 

Due to the unreliability of USPS, I have missed one mail payment which resulted in a late fee and likely at a detriment to my excellent credit score. 

Since both parties involved seem unable to correct their mistake, I am hopeful this will help my situation. All I want is for my XXXX lease to be added to my online Chase profile, so that I can make my payment efficiently and on time.
Product: Credit reporting

On XXXX XXXX, XXXX, Equifax reported a Hard Credit Inquiry by XXXX on my credit report. I have not applied, authorized, or allowed any type of personal credit inquiry since XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Inproper use of my credit i was never late on this account saying im late on my report please show me Documentation and proof of transaction..showing i was ever late to support your inaccurate reporting to my account... if they can not supply this please Delete this alleged late payment from my credit report ... this is an invalid late payment ... The FCRA allows 30 days for this to be rectified... thank you.
Product: Credit reporting or other personal consumer reports

Please be aware that it is unlawful to threaten legal action without the intent to follow through. With that in mind, understand that I am fully committed to filing a lawsuit against your company. I have repeatedly requested that you investigate and remove the inaccurate information being reported on my credit profile, yet you have failed to take appropriate action. 
My understanding of the law is that you are required to investigate any incorrect information when requested, yet you have ignored all of my prior communications. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides consumers with the right to take legal action and outlines penalties for non-compliance by both credit reporting agencies and information furnishers. 

This serves as my final request for you to fulfill your obligations under the FCRA. If you do not promptly and properly investigate the accounts in question, I will have no choice but to file a lawsuit in my local jurisdiction, requiring you to appear here to defend your actions. 

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

I have been approved for SCRA protection via Capitol One accounts. Capitol One continues to report late payments to credit bureaus affecting my credit worthiness while under the SCRA protection for activated soldiers and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, COMENITYCBXXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Credit card or prepaid card

citi master card charged me double reward points for a cash credit on my credit card. lost XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies on my credit report dated XX/XX/year> and to invoke my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ). The presence of unauthorized information in my report is a direct result of a data breach, and I demand immediate action to rectify this situation.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2021 I decided to try investing in what i later realized was a Fraudulent company named XXXX XXXX aka XXXX. I invested XXXX INR in hopes of making enough of a profit so i could pay for my daughters educational expenses. However i was scammed and lost all of my money. 

They told me i should invest via Binance, so they trained me on how to use the app. 
I did not know how to invest or trade or anything about cryptocurrency really, so the scammers instructed me on how to do everything, they monitored me closely and after i while once i had decided to drop the entire thing and tried withdrawing my funds they blocked me from doing it and cut all ties with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be responsible enough for this matter! I am entitled to have an accurate report. Do not waste your time and please immediately deal with this issue. I will be waiting for the result within 30 days as per the law allows. Revise my file and provide me with a corrected copy once available. Thank you!
Product: Debt collection

The company NorthStar Debt collection has been constantly calling on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and were previously calling from a different number. They say they have information but leave no name of who they are looking for. Initially I was worried and pulled my credit report since I know I dont have any debt collections and my report showed nothing. They constantly call and leave messages, and there is no reason they should be calling me. Clearly they dont leave a name of who they are trying to contact and the calls have been non stop for about a month.
Product: Student loan

My consolidation loan application was completed on XX/XX/23 along with the XXXX request for XXXX. 
MOHELA reported consolidation loan disbursement on XX/XX/23 MOHELA reported consolidation loan payment on XX/XX/23 My consolidation Loan was placed into the level repayment plan I spoke with the MOHELA XXXX ( XXXX, XXXX, or a similar name, a trainee ) on XX/XX/23 to inquire why the plan was not in XXXX. 
She reported that she could place me in forbearance while the XXXX request processes. 
I declined as I wished for the XXXX payment to count. 
She transferred me to a second rep. The second rep informed me that MOHELA got to the XXXX request before the consolidation loan was processed and therefore tabled it and did not come back to it after the consolidation loan was processed, as a result, I was placed in level repayment due to MOHELA not reviewing the XXXX request at that time. 
The second rep stated she would expedite the processing of the XXXX request as I am eligible for XXXX and accruing interest I should not owe. 
MOHELA then Additionally, the call was XXXX hrs and XXXX min, including mostly wait/hold time. 
I checked my MOHELA account on XX/XX/23 and I see my account listed in forbearance, which I explicitly declined when speaking with MOHELA. 
On XX/XX/23 I received a letter from MOHELA that I was placed in administrative forbearance. I believe this letter initially said that I requested the forbearance but on reexamining it on XX/XX/23 I do not see this language and question if the letter has since been altered. 
I also believe that any interest that has capitalized should not have occurred during consolidation, as my loans were in the XXXX plan before consolidation and should have likewise been in the XXXX plan after consolidation, but due to MOHELA 's mishandling of the consolidation and XXXX  forms ( which should be handled together ), I have several XXXX dollars in interest accrued at this time. 
As of today, XX/XX/23, I see that I am in the XXXX plan but also forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Specialized Loan Servicing and all 3 of the credit reporting agencies, which are reporting incorrect information such as account charge off whith a balance and late payments. I contacted SLS with a letter of verification of debt, which was sent on XX/XX/2019 via certified mail and recevied on XX/XX/2019. Upon further investigation and retaining new copies of my credit report i noticed that Specialized Loan Servicing LLC did not furnish the credit bureaus with the required disclosure within the period required by federal law to place a " Notice of Dispute '' on my account within 30 days of my dispute. On XX/XX/2019 I sent a second letter via certified mail which was recevied on XX/XX/2019, on XX/XX/2019 I recevied a paid in full letter. On XX/XX/2019 I sent letters to all 3 credit reporting agencies along with proof of the account paid in full documents to be immediately remove along with the negative and incorrect information being reported against me. As of XX/XX/2019 Upon further investigation and new copies of my credit report this account remains on my credit report. I'm demanding it to be removed from my credit report immediately.
Product: Checking or savings account

BMO closed my checking account due to inactivity which is false because I get direct deposit every XXXX weeks from my employer and also use XXXX to transfer money. Not once did I receive a notice that my account would be closed due to inactivity. I believe that they closed my account because they didnt want to pay me the {$400.00} bonus I am owed due to the promotion i participated in and I met the requirements, but one of the requirements is for the account to be open in order for it to be paid. So of course they dont have to pay me if my account is closed but they unjustly closed my account. I want BMO to be held accountable and for them to pay me the {$400.00} that I was eligible for as I met all requirements.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Collection Account and Violation of Rights Dear Sir/Madam, I am writing to formally dispute a collection account that has been reported by Merchants Credit Bureau to consumer reporting agencies. This dispute is based on violations of my rights as a consumer, specifically under the regulations outlined in 12 CFR 1006.34. Failure to Provide Validation : The collection agency has not provided validation of the debt as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed the collection on my consumer report, impacting my credit standing without proper verification. Denial of Dispute Opportunity : I have not been given a chance to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This denial of my right to dispute the account is a clear violation of consumer protection regulations. Use of False and Deceptive Means : The collection agency is violating my consumer rights by using false, misleading, and deceptive means. Their actions do not align with fair debt collection practices and are causing undue harm to my financial well-being. Failure to Provide Required Disclosures : The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law. This failure to comply is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Merchants Credit Bureau for their violations. Additionally, I request that the collection account be removed from my consumer report until the necessary validations and disclosures are provided. I am also revoking all rights of XXXX XXXX XXXX XXXX communicating with me through email, text, and calls. I am requesting debt validation and the purchase agreement between XXXX XXXX XXXX XXXX and the original creditor. I am also requesting proof that they are licensed and bonded Thank you for your attention to this matter. I look forward to your prompt response and resolution. ALSO THE ORIGINAL DEBT XXXX XXXX XXXX WAS PAID IN FULL. I WANT THIS ( COLLECTION MERCHANTS CREDIT BUREAU ) REMOVED FROM MY ACCOUNT.
Product: Debt collection

calls started a few days ago from Central Portfolio Control out of Minnesota, they have relentlessly been calling my home, cell, husbands work, my work without any explanation of any kind. 

we have been called by a XXXX XXXX to my husbands work number and a XXXX XXXX to my work number. I immediately called and left a message with XXXX XXXX 's answering device ( he did not pick up ) to inform him to cease and desist all calls and any further contact must be made in writing. 

these are the numbers they are calling from : 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

This debt was paid off and the debt collection agreed to remove and debt the account from my credit report. This negative adversity from this account is still reporting on my credit report. I have asked for XXXX XXXX to provide the following information : - credit insurnace - their relationship ( purchased by, debt collector or hired by another debt collector ) - payment history - charges w/signature - balance history - interest rate disclosure - pay-off disclosure For review and it has not been provided.
Product: Student loan

My student loans were switched to this company, They havent mailed me a bill or welcoming packet. I was able to figure out from the DOE who my loan was through and everytime I talk to them they demand I create an account on their website. 

It seems very suspicious that they wont outright mail me a bill and instead demand I log in with my computer, I assume so they can get all my information or even just browser information.
Product: Debt collection

I had already sent National Credit Adjusters a debt validation letter to rather send me documentation verifying this debt, as well as request immediate deletion of this debt from all consumer reporting agencies. In accordance with the FCRA, I am invoking my right to immediate deletion of all prior reporting made to any consumer reporting agencies, including but not limited to XXXX, XXXX, XXXX, XXXX, and XXXX. Moreover, pursuant to the FDCPA, I demand that all collection efforts cease until the alleged debt is fully validated. It is imperative that you provide documented evidence demonstrating legal ownership of this alleged debt and its accuracy and completeness. 

They have yet to remove the account from my credit reports, therefore they have violated my rights. 

I have also attached proof of the debt validation letter I sent them, as well as proof it was sent to them, and that a representative did sign for it confirming they received it. 

National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that XXXX XXXX XXXX is reporting late payments incorrectly XX/XX/XXXX and XX/XX/XXXX are both being reported 60 days late. 

On XX/XX/XXXX and XX/XX/XXXX 90 days late on both months How can I be 60 days late without being 30 days late. How can I be 90 days late without being 30 or 60 days late. It is the credit bureau responsible to report complete and accurate information. Please update this account. I have attached my credit report as proof. I have also included a copy of my ID and social as proof of my identity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent me a 1099c cancelation of debt .Amount of debt is different from what's reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is about XXXX credit card company. 
my credit limit is XXXX To pay my rent I paid my original bill and make it XXXX again and pay twice XXXX dollar which is XXXX. 

And I got email that this company still didn't receive my payment even after 4 days and credit availability never updated. So I toggle on their protection function which they recommend me to do. And i tried to contact them 10 times through phone, message, chatbot, callback. None of them no what is going on and told me to wait for transfer and hang off. OMG.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX separate batch of disputes to the bureaus and have received no answers regarding the disputes I submitted. Between each batch, I waited over 45 days to allow them to research my concerns. To my knowledge the law has not changed. I am allowed to question errors on my credit report. They must reply back to me within 30 days after they receive. I've checked with my local post office and they are unaware of any problems with the local mail delivery.