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

I have request an investigation of VW CREDIT INC on my credit report. The charge-off of an obligation with VW CREDIT INC is incorrect the following is the identifying information of the error { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading or meaning in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is violation of this section. 

If, after any reinvestigation under paragraph ( 1 ) of information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigate, and
Product: Credit reporting, credit repair services, or other personal consumer reports

Lundquist Consulting Inc Consumer Center ( LCI ) has an inaccurate alleged bankruptcy that appeared on my consumer report with XXXX ( Lundquist Consulting Inc Consumer Center ( LCI ) supplies XXXX with this inaccurate alleged bankruptcy. 

I submitted the letter and attached documents to Lundquist Consulting Inc Consumer Center ( LCI ), however ; Lundquist Consulting Inc Consumer Center ( LCI ) DENY that it reports such information to XXXX and as such Lundquist Consulting Inc Consumer Center ( LCI ) states in their response letter to me that it doesn't comply with the FCRA laws MEANWHILE, Lundquist Consulting Inc Consumer Center ( LCI ) clearly reports consumers ' information to XXXX. 

Lundquist Consulting Inc Consumer Center ( LCI ) is acting like a FRAUDULENT private company by purposefully stating that the FCRA doesn't apply to it and LCI is also exhibiting characteristics of domestic terrorism 18 U.S.C 2331 -1 ( b ) ( i ) ( ii ) through intimidation, lies and coercing. 

Lundquist Consulting Inc Consumer Center ( LCI ) must be stopped and brought to book for such acts of deception, dishonesty and psychological intimidation to vividly state that it will not and can not delete such inaccurate alleged information about me ( a consumer under FCRA laws or regulations ).
Product: Checking or savings account

On XX/XX/year>, my paycheck was deposited, and I paid all my bills. 
Then on XX/XX/year>, I noticed that US Bank had frozen all my accounts. 
I called US Bank and was transferred to a phone number that was closed for the weekend. 
On XX/XX/year>, I called US Bank and was told that due to them not having my physical address my accounts had been frozen ( I have had the same address for XXXX years with no problem ). So, I gave my physical address. 

Despite that I called and gave my physical address on XX/XX/XXXX and XXXX, the hold was not lifted until XX/XX/XXXX. 

By then XXXX items had been returned as insufficient funds causing me {$130.00} in fees and lots of other issues. 

These fees were due to no fault of my own and I asked US Bank to refund the fees I was charged due to their actions. They refused.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

CREDIT ONE BANK NA Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Student loan

MOHELA is claiming that I missed a payment that they had already assured me would not be due. In XX/XX/2023, they tried to switch my loans from the REPAYE income-driven repayment ( XXXX ) plan to the XXXX plan ( a different IDR that replaced REPAYE ). But MOHELA processed the switch incorrectly and only switched the payment plan for XXXX of my eleven loans, and then tried to bill me for the full amount of a standard non-IDR plan for my payment due XX/XX/XXXX. I called MOHELA to sort out that problem, because at the time their website was telling me that my loans were somehow simultaneously in forbearance and had a full non-IDR payment due on the first of the month ( over {$1000.00}, as opposed to the XXXX XXXX XXXX  monthly payment I should owe under an income-driven plan ). I then called MOHELA to sort that out, and the representative I spoke to told me that the amount due shown on the website for XX/XX/XXXX was an error, and the loans were in fact in a forbearance while MOHELA got all of my loans onto the correct repayment plan. This representative told me that I didn't have a balance due on XX/XX/XXXX, and that I wouldn't be penalized because of their website error showing that I had that payment due while my loans were listed as in forbearance. Now, all of the loans have been put on the correct plan ( the XXXX plan ), and my amount due shown for XX/XX/XXXX looks correct, but MOHELA is telling me that I missed the XX/XX/XXXX payment that they had already assured me wouldn't be due while they sorted out their own incorrect processing of my loans ' switch from XXXX to the XXXX repayment plan. I can afford to pay them the {$230.00} they say I'm behind, but I will not tolerate them reporting or recording that I missed a payment, after their own representatives told me that the bill for that payment was in error and I didn't owe anything on it.
Product: Bank account or service

I was told by the PNC branch manager at XXXX XXXX XXXX XXXX in XXXX IL that I had neither opted in or opted out of overdraft coverages for my debit card. He did not ask me what I wanted. I then had my debit card go into negative and was charged an overdraft fee. The customer service representative refused to refund the overdraft fee on XXXX XXXX, XXXX.
Product: Credit card or prepaid card

Complaint summary : On XXXX XXXX, I paid in FULL the amount of {$530.00} for per day care services for my pet dog. 
Start date : XXXX XXXX End date or good through XXXX year. 

Issue : On XX/XX/21, XXXX XXXX  ( XXXX XXXX, NV ) company notified me via email, that theyre filing bankruptcy and going out of business and will NOT refund the monies paid for services already paid for but not yet rendered. 

MY Actions taken in an attempt for resolution : XXXX : Called AMEX and they refused both to initiate a Dispute/Fraud claim or to credit to the account as they claim this case falls under subscription services but the argument here remains as outlined below- services PAID IN FULL but NOT rendered. 
Supporting evidence attached/included : XXXX call to Amex XXXX Amex Feedback request to me XXXX Merchant email to me notifying clients of Business Closure ( merchant refused to answer phones ) XXXX : Merchant notice of business paused ; advising clients that they were paused but would reopen. Note : but the merchant did NOT reopen, and instead, notified their clients of their permanent closure XXXX XXXXays later on XXXX XXXX : Merchant notice of Paused Business from Merchant Website Applicable regulations : XXXX  The merchant knowingly engaged their customers such as myself in Unfair and Deceptive Acts and practices XXXX XXXX  ) for bait and switch in charging and receiving funds or payment without services rendered or merchandise received, which is interrelated with XXXX XXXX for billable dispute. 

Desired resolution : Reopen this CFPB Complaint ; Original CFPB Case : # XXXX Reforward this case to AMEX XXXX XXXX AMEX XXXX XXXX XXXX XXXX Pull/listen to the call between myself and your frontline Customer Service Agent dated XXXX XXXX 
XXXX This is an Amex credit card therefore I am not protected by traditional XXXX XXXX XXXX  guidelines so please kindly peruse this clearly outlined case in its entirety and champion a win on my behalf with the below resolution. 
Issue Full refund back to my credit card totaling {$530.00}, pursuant to the XXXX  above. 

Next steps : In filing this Federal complaint with your CFPB portal, I have taken similar action with the XXXX XXXX XXXX XXXX XXXX XXXX, the Nevada  Office of the Attorney General, and am prepared to share this story of consumer fraud/scam with the Local channel XXXX Action news to shed light and awareness to other innocent consumers.
Product: Credit card or prepaid card

In XX/XX/2018, the company offered me a pre-approved visa credit card where I can earn XXXX points for spending {$500.00} within the first 90 days. I applied and was approved. I started using the card. Right after I spent {$500.00} and earned the XXXX points, I received a letter from the credit card company stating they decided to close my account. All my points were lost. The company stated they closed my account because of the number of recent inquiries on my credit report. I did not think it was fair because I had made payments on time and my credit score was XXXX. The number of inquiries had nothing to do with whether I would able to pay my bills. I wrote a letter to the company on XX/XX/XXXX to plead my case and I have not received any response as of today. I think the company is committing fraud for getting us to use their cards and then not honoring the offer they had promised.
Product: Debt collection

I advised the company   XXXX   XXXX   XXXX   that I was   XXXX   XXXX    and to assist me with  Soldiers Relief Act due to the interest and and fees as of today 's date they have not lowered the fees and interest and sent account to collection without assisting me in this matter. I advised as soon as they had adjusted my accoun t I would start to pay in accordance with the terms of the agreement as of today 's date they have never done that.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively. affecting my financial standing
Product: Credit reporting or other personal consumer reports

First and foremost, I started an app called XXXX XXXX where I heard it helps me build credit, and to my surprise I have XXXX hard inquiries with the same company I started to call everyone and dispute it also. So I did that and when I spoke to the representative I wan na say around XX/XX/XXXX it was the weirdest conversation I don't have an account with them but some how they are on my credit report hurting it real bad As a XXXX XXXX XXXX I thought XXXX XXXX  was the only thing on my report which is in outstanding condition So please please SYNCB/CARE CREDIT remove this non existencing account. So that XXXX can have it removed. Thank you so much for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries 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 disputed inaccurate accounts that I do not recognize as doing business with. To be told that the accounts came back as verified without providing me with the requested information from the investigation process was a direct violation of my rights. I have attached a copy of my FTC Identity theft report as well as FCRA 605 ( B ), FCRA 609 ( e ), and FTC Notice to Furnishers. I have not felt the need to use my credit since XXXX of XXXX because its too stressful to deal with. What's even more stressful is finding out that hackers and scammers can gain access to my information and do all types off things that seems impossible to catch or track down. The point of me abandoning this highly stressful credit system was to avoid negative and derogatory things being reported. Even though I rather my report to show that I have little to no history, I still don't want it to look as if I owe debts. This is also inquires from XXXX and XXXX that I did not authorize or give consent to obtain my consumer report. Transunion, XXXX, and XXXX have failed to protect my consumer rights and properly investigate fraudulent activity. They have failed to follow through with providing verification methods and proofs of purchase agreements from all collection accounts. There is no need for me to spew off a bunch of consumers laws that have been violated because all three major credit bureaus should know them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX I have 6-8 late payments that are on my credit report. I was on XXXX XXXX that year. I have called each credit bureau several times & submitted several disputes in regards to this situation.
Product: Mortgage

I am asking for an investigation into the Astoria Federal Bank mortgage increases. I have attached documents for your review. I was told in XXXX that my mortgage increased because my insurance was increased. So I got another less expensive hazard insurance, submitted that and received notice of an even further ADDITIONAL increase. I feel that something is not correct. 
I have never been late on a mortgage payment. Please advise.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Secti on 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 16811, every
single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immed ately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : NFCU I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXXXXXX XXXX XXXX regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, incomplete information, as well as accounts that are Un-Verified and more. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediate The infractions are as follows : 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  Not only is it illegal for a 3rd party collection agency to even reach out to me to pay an old debt, the information is 100 % false! - inaccurate. I never gave anyone my written consent for anything.i DONT NOT OWE THEM!! NOT ONLY THAT WHY ARE CLOSE ACCOUNTS STILLS HOWING UP? I have no clue who that is. I WASNT EVEN IN SCHOOL ANY OF THOSE YEARS. I DEMAND YOU ALL TO DELETE THAT. 



I am demanding that both of these accounts be updated to paid as agreed and Never Late By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIACE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

My name is wrong!!!!! I also want to know where the fake names originated from. That is a lot of violations. There are XXXX name violations that are inaccurate as well!!!! No
Product: Debt collection

I have previously disputed this charge several other times.SEE other complaints by me regarding this issue. 

1. The correct amount is NOT {$790.00}, it is {$370.00}. See exhibit # 1 & 2. This is the bill for the physicians part of service and description of what this charge is. Note the physicians name and description in middle of page, note date of service etc. 

2. This charge already appeared on a XXXX, XXXX, XXXX, XXXX credit reports.On the first three I got it removed via previous cfpb complaints except for XXXX. See exhibit # 2. I did not owe this and this is not my debt because I had filed for indigency which was approved for both the er visit and the physician part. See exhibit # 3. It is illegal for this charge to reappear after it has already appeared on a credit report. 
****see cfpb complaints XXXX & XXXX **after last complaint here, collector took it off and said it was marked as unpaid. I thought that meant it could not be sold again. 
3. I was able to get this removed from all previous credit reports but Im now disputing the XXXX report where THEY HAVE REPORTED IT THREE TIMES. It does not belong on my credit report now since I filed for indigency, due to my economic situation at the time. See exhibit # 3. Also note my balance due is {$0.00}. The hospital wrote off the whole amount due to the indigency. The physicians did the same following the hospital. The indigency application follows all charges.

4. It needs to be removed from my credit report PERMANENTLY because it is not a valid charge, for the reasons stated above.It should not be able to be sold again. 
Please remove this charge from my credit report. It is inaccurate, illegal, invalid, fraudulent. 

XXXX XXXX, XXXX XXXX XXXX, XXXX al XXXX ( ss XXXX )
Product: Credit card

I Loss a lot money from my account ; and Now I find : Chase Bank Pay for my Telephone bill : " {$50.00}, {$30.00} and {$20.00} '' I have the Record in my telephone for This payed by Chase Bank ; and I Payed {$20.00} in Cash also ; for all XXXX or XXXX month I have XXXX  XXXX Account. in total {$120.00} per Month. I buyer Perfume : They put in Chase Email : " The same Perfume with better Price ; but I already pay my perfume to XXXX ; and I loss the money ; in paper they return money ; but I Loss this money. I don't take offer from XXXX I use XXXX XXXX XXXX. They close My Account : " But My Social Worker XXXX at Social Security ; tell me : " The money came to The Chase Bank in 4 day ; if they help you came give your money ; because is XXXX Pay ; now : " I way for XXXX XXXX By Social Security XXXX  : " Because I never received my Pay Completed by Social Security ; always by shore '' Now I came be Shure I received all my Money ; because I way to be received {$1700.00} for XXXX ; for made {$160.00} Shore may payed by Social Security ; maybe : " This is The Truss reason to Chase be Close my Account ; because came to me in XXXX This Pay '' Are You Help me to find this money? ... Because I have empty my new apartment ; I need Urgent This Money Now ; and also my brother borrow a lot money ; and I need Pay Him. I want be help for you ; because : " This is Abuse by Chase Bank ; because manager in XXXX XXXXXXXX Chase Bank try forced to me : " Accept XXXX XXXX Account when don't subtraction my Pay for XXXX ; and Plus to the total this money '' For this reason I loss a lot money. Also I loss a lot money of my XXXX Card ; and I need stop : " XXXX XXXX XXXX '' Because I Loss {$20.00} in every transaction ; when I used Debit Chase Card and XXXX Card '' I loss all {$1700.00} only received one time ; but I want be sure If I received this Pay in my Debit Card. I hope you Investigation was good ; because I represent To USA for The Best Student XXXX XXXX in XXXX went I finish My XXXX XXXX in XXXX XXXX XXXX in XXXX, New Jersey. Please see also in XXXX My Name : XXXX XXXX XXXX XXXX And You came see My Job to Saved Our World ; also I have : " Change Order for Use Divine Solution for Climate Change '' I Need My Justice and recovered all My Money, XXXX Help Me! ... Amen!!! I want to invite all disability and Older Person for make Demand Together!... Because be pour the older people is be Pour all USA!... They are The Base of Our Economy!... Help Please!... XXXX XXXX  XXXX!... XXXX!!!
Product: Student loan

I submitted the correct amount that was left on the loan to pay it off, and noticed while the payment was being processed they increased the amount owed, therefore keeping the loan active.