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

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the company related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. Please update the account : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed an identity theft report with the FTC, naming an account with JPMCB ( XXXX XXXX ). Despite repeated disputes and CFPB complaints and an ID Theft report, XXXX and XXXX have failed to remove the tradeline, while XXXX deleted it promptly. JPMCB has also not addressed the identity theft properly, continuing to report the inaccurate account without validating the alleged debt, in violation of the FCRA and FDCPA. Despite requesting a cease in communication, unauthorized reporting persists, causing ongoing harm to my credit profile and significant stress.
Product: Credit card or prepaid card

I had paid my balance in full about XXXX weeks ago. All of a sudden, yesterday ( XX/XX/2023 ), {$100.00} was taken from my checking account by Bank of America. When I called, they agreed that there was no statement to pay and could not explain why the money was taken. I had cancelled an auto-payment for that amount yesterday, but the money was taken anyway. I was told that it would take up to 10 days to get my money back, despite the fact they took my money with no balance on the credit card to pay. I consider this theft.
Product: Payday loan, title loan, or personal loan

I have tried for a month to get assistance on the refund from XXXX XXXX to Uplift. No one will help, hold times are hours and I am purposely given misinformation. There have been nearly 30 communications between XXXX and uplift and it is a nightmare. They are capitalizing interest to make profits and extend the refund process out as they will not back date anything and interest is accruing this entire time. I have travel insurance and should get 100 % refund minus the travel insurance- there is a document uplift is requesting and XXXX XXXX uplift needs to send then something. This is completely illegal what theyre doing to people and should Be looked into ASAP! I have voicemails and emails to support this claim!
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureaus, XXXX, XXXX, & Equifax are reporting accounts that were not authorized by me. 
I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.
Product: Debt collection

FIRST POINT COLLECTION RESOURCES INC. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : FIRST POINT COLLECTION RESOURCES INC. 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX, is authorized to administrate ( acting trustee ) on the XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the { XXXX XXXX }. Courts require your contract for jurisdiction. 
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 
If you lack understanding of this paperwork, forward to your ATTORNEY. 
govern yourself accordingly. 
By : XXXX XXXX
Product: Debt collection

Merchants and Medical reporting erroneous accounts to XXXX credit bureaus that have not been verified
Product: Mortgage

I recently refinanced the loan on a property that I own as joint tenants with my wife. 
I did qualify for the loan and obtained it on my name. My name is the only name on the NOTE. 
My complaint is regarding the instructions that the Lender gave the the escrow company as to record a Deed of Trust that indicates that my wife is also the borrower on the loan. The text of the Deed of Trust now reads : " Borrower is AT ( my name ) and ST ( my wife ) husband and wife as joint tenants '' and it was recorded on XXXX XXXX, 2016. This is obviously a mistake and has to be corrected. 
I requested the lender and the escrow company to change it to refer only AT as the borrower, but they refused to do so. 
Also, they wrongly put my mailing address in XXXX when my address is in XXXX XXXX as stated in the loan application. They also refused to correct the mailing address.
Product: Checking or savings account

I open a checking and savings account to sign up for autopay to a credit card I have with the same company. They tried to verify I wasnt a fraudster, and want me to read a code they sent to a phone number that doesnt belong to me. I asked them to send that to my number, but they insist that they can only send it to the phone number provided to them by the credit bureau. As a result of that, they have locked my online account, I can not access my funds. I had previously verified all the information they asked for, and asked them to update my phone number, but they insist that they can only verify my account by sending a verification code to the phone number provided to them by the credit bureau, which is not my true number.
Product: Credit card or prepaid card

Union Bank broke contract with me and stopped my access to the credit card I was paying on. I no longer have any access to any of the money I'm paying on the card. Since I no longer have a " product '' to use, I am refusing to pay for what I can't use. 

If the bank that services my mortgage came and threw me out of my house, that same bank should not expect me to continue making mortgage payments on a house I can no longer live in. With a credit card, it's the same difference. If I can't use the card, I'm not making payments. 

In a letter dated XX/XX/2022 sent out by priority mail with confirmation, I demanded that Union Bank cease and desist making any further contact with me regarding the card account ending in XXXX. Since this date, Union Bank representatives have violated the law by making further contact with me by phone and mail several times. 

Union Bank needs to face the fact that they made a big mistake and deal with the consequences of that mistake, and cease sending any letters regarding this case.
Product: Debt collection

They call me one day on the phone in XX/XX/XXXX and said I owe {$9200.00} they said it was a rent bill from XXXX of XXXX. I told them thatXXXX I had never receive any information from that company say that I owe this money No email, No phone Call. So I ask them to let check on the amount they was saying I owe and she said ok and the next day it was reporting to my credit report .They did not work with me they did not give no time to check out, gather paper work or to work out a solution with them at all I feel my right was very VIOLATED by this company
Product: Credit card or prepaid card

On XX/XX/XXXX I authorized a balance transfer from my Barclay credit card in the amount of XXXX and a balance transfer fee of XXXX I received the monies in my checking account, however, Barclay charged me 2 times for the balance transfer and balance transfer fee. I started calling customer service XX/XX/XXXX and filed a complaint with the XXXX  and the situation is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to U.S. C 1681i ( a ) ( 6 ) and ( 7 ) I would like a the detailed steps taken to verify the accounts listed below. 

XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXXxxx # #, XXXX XXXX XXXX  XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS AND CAN NOT VERIFY MY PERSONAL INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX. XXXX  XXXX, XXXX, Texas, XXXX Dispute on XX/XX/2021 Response XX/XX/2021 Report Number : XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I am including an attachments that the courts do not to report credit report bureaus. 
US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number ( XXXX ) XXXX Chapter XXXX bankruptcy discharged Case # XXXX Experian, XXXX. XXXX XXXX, XXXX, Texas, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my credit report with experian. It's been over a year since my last credit report was pulled and I've sent in documents serval time to verify me but they haven't did it yet. I can not apply credits cards or loans that use experian they all come back can't verify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agencies has failed to investigate after providing evidence that are revolving around the accounts and stated that their results for completed thus closing the case. he agencies reported inaccurate information refusing to remove, update, and validate all disputes. Arbitration was filed and that was also ignored. These organizations have refused to reinvestigate any disputes after allowing business organizations to cause significant damage upon my financial report. I sent a letter to the reporting agencies and they refused to respond thus responding 60 days later requesting for the same document they have requested for five years. 
They have ignored all correspondence and have provided false, misleading information, misrepresentation, willful negligence intentional tort, violating numerous rights that protect me as a consumer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information that XXXX has reported to the credit bureaus regarding my student loan account. Specifically, my credit report reflects inconsistent and inaccurate late payment reporting, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

1. Violation of Accuracy Requirements ( FCRA 623 ( a ) ) Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information must ensure that the data they report is accurate and complete. However, my XXXX loan account reflects : Payments reported as current one month, then jumping to 90 days late the next without a proper progression ( i.e., 30, 60, then 90 days ). 
Inconsistent reporting that does not reflect the reality of my payment history. 

This constitutes inaccurate credit reporting, which is strictly prohibited under the FCRA. Any misrepresentation of my payment history can result in legal liability for XXXX. 

2. Failure to Notify Before Reporting Negative Information ( FCRA 623 ( a ) ( 7 ) ) Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), XXXX was legally required to notify me before reporting any negative information. However, during the time period in question, I was incarcerated and unable to receive any such notification. Because I was not given a fair opportunity to address or dispute these late payments before they were reported, this constitutes a violation of my rights under the FCRA. 

3. Incorrect Late Payment Reporting and Consumer Protections ( FCRA & FDCPA ) According to 15 U.S.C. 1681c ( a ) ( 5 ), negative information should be reported fairly and accurately. Additionally : Late payments can not be reported arbitrarily or inaccurately in a way that misleads lenders. 
If a servicer reports payments inconsistently ( e.g., skipping from current to 90 days late ), this is a form of inaccurate furnishing of credit information, which is subject to dispute under FCRA 611 ( 15 U.S.C. 1681i ). 

4. Request for Immediate Correction Based on the above violations, I demand that XXXX : Correct and remove any inaccurate late payment history associated with my account. 
Provide proof that XXXX accurately reported my payments and notified me in compliance with federal law. 
Immediately update the account to reflect an accurate and complete history as required under FCRA 623 ( a ).
Product: Vehicle loan or lease

I received a letter in the mail stating that the lender first national Bank did not have proof of insurance on my vehicle. I uploaded insurance information including insurance broker information on the website verify my coverage as was requested by the letter received. At no point did anyone try to call me or discuss the matter. Tonight I received a letter in the mail stating that an {$8500.00} insurance policy was purchased on my behalf because I had not provided proper insurance information to this company. I spoke to a customer service representative at the first national Bank XXXX XXXX XXXX who indicated the insurance company had listed the wrong first national Bank and that they were trying to remedy the situation and the charges would be removed once this has been corrected. The bank could have easily resolved this issue as they have all of the details of my insurance broker XXXX XXXX XXXX XXXX XXXX West Virginia. Not only is this predatory but also completely unreasonable. I have had full coverage insurance on this vehicle and all of my vehicles from the time of purchase with XXXX my annual premium on the XXXX vehicles I won together does not amount to {$8500.00}, how can it be legal for a bank to purchase an absurdly expensive policy that is XXXX the cost of my insurance policy on my behalf without my consent. This policy costs XXXX XXXX of the loan amount ( {$55000.00} )! Further, I tried to set up automatic payments for bi-weekly payments in excess of the monthly amount due. The Bank representative told me that they are not allowed to accept automatic payments more frequently than once monthly and they could only withdraw the exact amount of the loan payment. This seems to be a predatory effort to prevent customers from paying loans off early. Nobody should consider using First National Bank of Pennsylvania for any loan products or banking needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION if this law because I am a victim of identify theft! Please deleted this IMMEDIATELY!
Product: Credit reporting

Equifax Information Services , LLC . refuses to send a updated and corrected copy of myconsumer credit report and file to XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. 
The XXXX National Consumer Credit XXXX agencies ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is delaying my request for investigation and providing Method of Verification by means of multiple requests for identification that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond rule. By law, the following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Experian ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 IL XXXX XXXX/XXXX/XXXX BK CHPT XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account XXXX - XXXX. I just received a copy of my credit report. To my surprise, this charge off account is reporting incorrectly, not only that but the Payment Summary is inaccurate for example XXXX is reporting XXXX, XXXX, XXXX, XXXX and XXXX shows charged off But, Equifax shows, XXXX, XXXX XXXX, XXXX but the montth of may shows DATA UNAVAIBLE. XXXX shows ACCOUNT CLOSED NO PAYMENT SUMMARY. I Forgot to mention these is for the Year of XXXX but this is a inaccurate credit reporting. According to the FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion thank you
Product: Student loan

XX/XX/2024, i filed for the XXXX plan. 90 days went by and I heard of no other correspondence. In XXXX, I contacted XXXX through the online chat. The agent i spoke with, XXXX, had difficulty with finding my XXXX XXXX plan. After awhile, she said she could see an application filed on XX/XX/XXXX and that i would need to contact Mohela to get an update on it. 
I sent a correspondence via mohela.studentaid addressing my concerns. I got a message back that stated i was on the XXXX plan. 
Today, XX/XX/2024, i realized that my loans were not in forbearance because of the XX/XX/XXXX " stay '' ruling. I called mohela at about XXXX XXXX and informed that i was not on the XXXX plan, despite my correspondence. The agent i spoke with said that the correspondence i received was sent in error. 

After 8 months, i learned that XXXX ) my XXXX application was never processed, XXXX ) my application can not be found, and XXXX ) I was mislead by a correspondence letter that stated i was on the XXXX plan, when actually i was not. 
If my application would have successfully processed 90 days after the time i submitted it, i would currently be on forbearance because of the XX/XX/XXXX ruling... however, i am not. 

And then i was told that i can still apply for the save plan, but it would not be active until after the XX/XX/XXXX pause is lifted. 

I have screenshots of XXXX, the chat agent i spoke with in XXXX. 

The Mohela agent i spoke with over the phone, today, was XXXX. 
XXXX id XXXX Mohela lost my application and mislead me to believe i was on the XXXX plan, hindering my payment qualification of {$0.00} per month. 
After the 90 day period, i shouldve been paying {$0.00}, but i was instead paying ~ {$50.00} per month still with interest still accruing ( since apparently not on the XXXX plan ).
Product: Credit card

I am submitting a claim for the Capital One Bank Settlement. My account was opened on XX/XX/2022. The Account # is XXXX.
Product: Credit reporting or other personal consumer reports

I just want to say that they're leaders financial is the lender I've had XXXX vehicles separate vehicles XXXX of which were paid off and XXXX which I voluntarily sent back because I was having a XXXX  XXXX situation that I did not want anything to happen to the property and was having issues keeping the payments going because of the XXXX  XXXX the company and leaders financials representation which is called XXXX XXXX and XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX they continuously keep doing inquiries on my credit report without my consent and I've asked them in times past I've written letters asking them to stop checking my report they could continue to do so and I would like to seek damages and I would like for them to stop harassing me.
Product: Debt collection

Under USC 15 1681 Reporting debt to my credit is illegal and as consumer law states to bring this to the attention of the CFPB. Ive asked them to stop calling and now an account I didnt give consent to is open under my credit report.By law no negative reports should be reported to a creditors credit report.Ive sent letters for them to verify they have a debt collector licenses. My information was illegally sold to the by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated approximately {$46000.00} in student loans with XXXX XXXX  in XX/XX/XXXX. XXXXXX/XX/XXXXbought XXXX and lost my note. I Hired attorney and resolved the matter. Paid back approximately {$110000.00} for the {$46000.00} I borrowed. Constant record keeping problems with XXXX and other government subsidized collectors. Its paid in full. They say {$5000.00} outstanding. THEY ALSO SAY THAT XX/XX/XXXX brought a collections action against me. NO SUCH COLLECTION ACTION HAS BEEN TAKEN! I have never been notified by XXXX XX/XX/XXXX of any such collection. I WISH THEY WOULD START AN ACTION so I could straighten this out. They are falsely reporting a collection action to credit report. They need to SUE ME for their delinquency claims OR GET THAT OFF MY REPORT. This should be illegal. The student loan collection practice throughout the life of the loan has been rife with inaccuracy and abuse.
Product: Debt collection

Debt collection agency Hunter Warfield collected a debt on behalf of XXXX XXXX for alleged damage to a rental property. I contested the debt, but they kept collecting after 30 days. I paid in protest the full amount of {$940.00}, which was mailed on XX/XX/2020. HW assured me that I would receive a receipt and proof of payment within 20 days, which I need because I am going to small claims court to contest the debt. HW refuses to send the recept/ proof of payment even though it has been 3 months and I sent the payment registered with tracking that shows the payment was deliver XX/XX/2020 at XXXX. 
I have wasted hours of my life on hold with HW multiple times requesting a receipt, and they state that they will mail it every time, but they don't. 
Are they not required to provide a receipt? I've been waiting 3 months and my court date is coming up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally shows two 30 days missing paying on a car loan, one in XXXX and the other in XXXX. 
XXXX only has 28 days and 29 on each leap year. 
Ally shows payments in XXXX and XXXX as being paid as agreed. How did XXXX account for 30 days in the month of XXXX? 

If this was a computer error and automatically generated it should be corrected.