23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried a number of times to resolve this issue with the creditor XXXX to no avail. They are reporting 6 late payments on each one of my 3 loans out of their office from the months of XXXX XXXX - XXXX XXXX causing me to have 18 late payments reporting on my credit report despite any proof that I was in the repayment phase of my loan. According to official records obtained from the XXXX XXXX XXXX XXXX XXXX there is nothing to show that I was in the repayment phase for the period of time reporting late. On the contrary, the NSLDS documents show that I entered repayment XXXX XXXX and forbearance the very next month XXXX XXXX, XXXX where my account status remained until XXXX XXXX, XXXX when my account went into repayment status again. This information is verified and supported by my account activity pulled from XXXX 's website ( which i have attached to this complaint ). Under Fair Credit Reporting Act Section 623 XXXX has a responsibility to furnish accurate information, investigate claims of inaccuracies, and update information determined to be inaccurate. I have included an excerpt of the section of the FCRA that has been violated by the inaccuracies being reported by XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the  information is, in fact, inaccurate. the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Product: Debt collection

Columbia Debt Recovery LLC has been repeatedly calling me regarding a debt, and their communication has become excessive and harassing. Despite my requests for them to stop, they continue to contact me multiple times a day, often at inconvenient hours, which feels intrusive and overwhelming. Under the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX are prohibited from engaging in such behavior, including making excessive calls, using abusive language, or contacting consumers outside of reasonable hours ( XXXX XXXX XXXX XXXX XXXX. ). I am aware of my rights, including the right to request validation of the debt and to send a cease-and-desist letter to stop further communication. If Columbia Debt Recovery LLC continues to violate these laws, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seek legal action to protect my rights.
Product: Debt collection

I received a collection letter around XX/XX/XXXX dated XX/XX/XXXX from Affiliated Asset Solutions, LLC for the amount of {$1500.00}. I immediately called them and told them that I was disputing the collection. I was told by their representative that I had gone to the emergency room on XX/XX/XXXX and the bill was a result of that visit. I informed her that I did not go to the emergency room in XXXX at anytime and that I wanted to dispute this collection. They have proceeded to call me several times and I have repeated that I did not go to the emergency room in XXXX. I have asked for the name of the hospital and any intake forms of my supposed visit and any bills that were generated as a result. They just keep calling me and asking me about the debt. I went to the XXXX XXXX XXXX  website and they have a lot of complaints from people complaining about the same problem I am having with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are listed as charged off on my credit report and these companies never sent me a XXXX cancellation of debt form also the IRS defines a charge off as a gross or ordinary income. Income can not be reported on a consumer report FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ). This is a defamation of my character and a violation of the law 15 USC 1681eb and because of that, these accounts are inaccurate and has to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will not remove an account from my report when i have submitted proof that i provided this hospital my insurance card at the time of being seen. They verified my insurance would cover the emergency room visit and i would not be billed. Then the report shows this account was opened in XX/XX/XXXX which can not be accurate. I was in oklahoma in XXXX of XXXX i was seen sometime between then and XX/XX/XXXX because i was XXXX  and XXXX. The hospital advised i was only a fee weeks XXXX  at the time and my son was born in XX/XX/XXXX so im not sure why they even allowed this to be reported with the wrong information and ive given them my insurance companies phone number to call and verify this bill was paid. Clearly they didnt investigate this very well because they never contacted my insurance company.
Product: Credit reporting or other personal consumer reports

Dispute Of Inaccurate Reporting of Late Payment on my credit report relate to the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Request for Incorrect Late Payments under the FCRA, specifically XXXX XXXX XXXX. 

I am writing to dispute an incorrect late payment report on my credit report, specifically in regards to the accounts referenced with XXXX XXXX XXXX XXXX XXXX XXXX 
Upon thorough review of my credit report, I have identified discrepancies in the reporting of these accounts. To the best of my knowledge and records, I have consistently paid these accounts on time and in accordance with the agreed-upon terms. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between myself and your company. Payment history, particularly late payments, negatively impacts my consumer report and constitutes a part of such transactions and experiences. 

Additionally, under XXXX XXXX. XXXX ( b ), I request documentation of the reasonable procedures you have in place to ensure that periodic statements are mailed to me no later than 21 days before the payment due date. This documentation should include all information required by XXXX XXXX. XXXX ( b ) regarding the contents of such statements. 

Reference to XXXX ( Paid As Agreed Never Late ) : The terms of our agreement have consistently been adhered to. Therefore, the account should be reported with a status of " XXXX XXXX Agreed Never XXXX '' to accurately reflect my timely payments. Any deviation from this status misrepresents my financial responsibility and commitment to fulfilling my payment obligations. 

Request for XXXX : To validate the reporting of late payments on these accounts, I request the following : Documented proof supporting the claims of late payments, including dates, amounts, and any relevant communication. 
In the absence of valid proof, I demand that these accounts be promptly updated to reflect their accurate status as " XXXX XXXX Agreed Never XXXX. '' Request for Timely Investigation : In accordance with the ( FCRA ), I request a thorough investigation of this matter and a written response within 30 days of your receipt of this letter. Failure to adhere to this timeline will be considered a violation of the ( FCRA ). 

Please treat this as a formal dispute under the ( FCRA ). If the inaccurate reporting is not corrected or a satisfactory resolution is not provided, I XXXX escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure compliance. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide a written response with the results of your investigation. If you require additional information, I can be reached at XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked all companies to update to paid as agreed and remove negative payment history. need nagatives to be deleted. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I was never served for a lawsuit from this law firm. This judgment is a complete illegal attempt to collect a debt and my right to defend it were avoided.
Product: Debt collection

I XXXX XXXX am an authorized user to my mother 's credit card account with this credit card company, and/or national association bank XXXX I desire to be removed as an authorized user as I have established my own credit tradelines. I appreciate being an authorized user as it helped me establish credit. However, I have my own credit now and I desire to have only credit tradelines that I obtained on my own. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For account # XXXX In accordance with the fair credit reporting Act this creditor XXXX  XXXX has violated my rights under 15 USC 1681 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Commencing on or about the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammers ), XXXX : XXXX XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit card and through an intermediary named XXXX XXXX in the total amount of XXXX USD utilising JP Morgan Chase services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my XXXX profile that I dont recognize or authorize and trying to get them removed per the Fair Credit Report Act. Ive called the credit bureau and was told to submit a report here. Here are a list of accounts and dates these inquiries were reported on my profile XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Bus Admin XX/XX/XXXX I also have a fraud alert on my credit profile as well
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dynamic Recovery Solutions is a SCAM company and XXXX XXXX is a SCAMMER! Collection agency SCAM! In XXXX of 2021 XXXX a collection agency reported a collection account on my credit report. After requesting proof, I owed this debt they deleted the account from my credit report. Now Dynamic Recovery Solutions has sent me a letter trying to collect the alleged debt. This is a SCAM, and this action is an attempt to intimidate me. If XXXX had no right to collect this debt, why now does Dynamic Recovery Solutions state on this collection letter that they have a right to collect this debt. This is a XXXX and a form of intimidation to ruin my credit. Dynamic Recovery Solutions is a SCAM company and XXXX XXXX is a SCAMMER!
Product: Credit card or prepaid card

I have previously provided Navy FCU the Official Investigative OPM Notice of compromised personnel files, along with my statement regarding ID theft/fraud associated with the Navy FCU Account, XXXX .... On XXXX XXXX, 2015, after Navy FCU received a payment of {$420.00} and notice of the ID theft/fraud associated with the card, Navy FCU charged off {$22000.00}. The balance at the time showed {$21000.00} but Navy FCU charged off {$1200.00} more than the balance on the account and placed deleterious information on each of my credit reports. Navy FCU has repeatedly refused to provide to me the information which I have the right to obtain from a debt collector that being strict proof of my obligation to pay this debt when I have contested it as fraud. According to the OPM Notice, had Navy FCU acted timely, there was a method in place to be compensated but Navy FCU simply passed the debt off as mine and has remained stalwart in their position. On information and belief, Navy FCU perfected fraud when they placed an up charge on the account in the amount of {$1200.00}. Further, Navy FCU has refused to validate the alleged debt, a violation of FCRA. Due to the identity theft and the fraudulent purchases associated with the account, Navy FCU should respect the OPM Notice and the fraud report and either block this information from each of my credit reports or block this information from my accounts.
Product: Credit card or prepaid card

I received a letter from Nordstrom Card Services- dated XXXX stating the following : That they were apologizing for overcharging me interest on their credit card. I have reached out them asking for the details. 1. What time frame did this cover? 2. What was my interest rate charged and what should it have been? etc. Customer rep told me today that they have no information pertaining to my questions. They did credit my account the overcharged interest and additional amount in light of the error. I just need to find out the details and whether we deserve more. This could be just hush money to move on. I need details, which they won't provide.
Product: Debt collection

My mortgage loan got sold and the servicing moved to a different servicer ( LoanCare/XXXX XXXX XXXX XXXX on or around the first week of XX/XX/2020. During the process and before this was communicated to me I made a payment ( {$3300.00} due + {$720.00} of extra payment ) to the previous servicer that is yet to be transferred to the new servicer. 

Since XX/XX/2020 and up to today XXXX XXXX XXXX XXXX I have been receiving daily harassing calls requesting payment of the allegedly missed amount, even if I called them multiple times explaining the situation. After receiving a call yesterday the XXXX telling me that the issue will be solved and making my due + principal payment for the month of XXXX XXXX {$3300.00} due + {$720.00} extra principal ), I have received a letter today XXXX XX/XX/XXXX ) notifying me that they will be reporting that I am late to the credit agencies. All this on violation of the 60 days moratory for this actions during a servicing transfer. 

To make matters worse, the agents at XXXX told me that they could not do anything to stop the harassment unless a payment was made over the phone and even suggested illegal approaches as returning the payment I made to the previous services and make an additional payment to them instead.
Product: Credit reporting or other personal consumer reports

Ive paid capital one account paid a settle they made me wait 22 days after the payment saying that it had to clear my payment been cleared. I dont like how they reported it saying I had a balance of {$340.00} or something like when I settled to clear it. I dont understand how they got my money to clear it an still made me wait 22days after for a clearance letter instead of just clearing my account when they took my money
Product: Mortgage

Thank you for allowing me to tell you my problem. I had my mortgage with Ocwen Loan Servicing LLC . I was given a non hamp modification. The payment was {$2000.00} and the first payment was due on XXXX XXXX, XXXX. I made my payments. I met with my Homeowner Counselor, XXXX XXXX of XXXX formerly know as XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and advised her that my payment to Ocwen had gone back to what I paid before the modification, which was {$2500.00}. She called Ocwen and was advised that the modification was still pending because they were waiting to title clearance. I sent the payment and on XXXX XXXX, XXXX, I called my counselor and she called Ocwen. I now owed {$5800.00} so they said and they would send me out another modification package. The advised me that the modification was still pending a title clearance. I sent in another package in XXXX, XXXX. My counselor called Ocwen on XXXX XXXX, XXXX and spoke to XXXX # XXXX and he advised that my file was under review ; however, he now showed that I was approved for another trial starting XXXX XXXX and ending XXXX XXXX, XXXX. The payment would now be {$2000.00}. Please know that I continued to pay the old payment of {$2000.00} until XXXX XXXX and then made the {$2000.00} payment. I made several payments and then it changed back to {$2000.00}. I had not advised my counselor and continued with the {$2000.00}. In XXXX, XXXX, I contacted my counselor and advised her that Ocwen said that I am now 1 month behind. On my mortgage statement for XXXX XXXX, XXXX, it was recorded that I send {$1900.00}, which I sent. I had my counselor call Ocwen and she spoke to my specialist, XXXX. XXXX advised her that my loan was permanently modified on XXXX XXXX, XXXX. When she asked XXXX about me being one month behind, XXXX told her that there was an error on Ocwen 's part and that the payment will be updated to reflect that I was up to date. Ocwen has given me and my counselor so many mixed messages. 
My account was transferred to XXXX. In XXXX, my counselor spoke to XXXX XXXX and was advised that my payment was now {$2000.00}. It had gone up by approximately {$10.00} citing escrow change. I continued to make my payments and in XXXX, the recording stated that I owed since XXXX. These folks were taking the money out of my account automatically. Again I was advised that I was one month behind and whatever payments that were deducted, were applied for the previous month. My counselor asked to get a payment history from Ocwen and when they did, it showed that I was one month behind. Ocwen never cleared their records before the transfer. I am writing you because I am not behind and Ocwen should of had this corrected. I also wrote to XXXX ' Correspondence Department because they advised me that they will do an in depth search. Originally, when my loan was transferred, they never received all the documents from Ocwen. Please assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1st complaint I have late payments on all 3 credit brureaus from Creditor = Comenity Capital bank/Ulta in 2020 I lost my job due to COVID- I explained to the creditor the hardship that I was going through, they stated late payment were going to be forgiven, but I recently started to monitor my credit and I noticed my late payments were reported to the credit Bureaus, I called ulta and they directed me to dispute it to the credit bureaus I submitted dispute letters and explained that I went through a national disaster and I checked the status of my dispute letter and they were not deleted so I am asking for help about this.