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

XX/XX/2020 I tried to pay my mortgage late. It was denied and XXXX XXXX XXXX  put me in the COVID CARE ACT refusing to accept XXXX/XXXX  payments, marked late on my credit reports, sold the loan to Midland Mortgage as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending XXXX XXXX XXXX monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to Midland Morgage in XX/XX/2020 along with the XXXX payment to bring the mortgage current. Midland also made several attempts to understand the split of the loan and could not get communication from XXXX. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is XXXX with cash to buy my next property and can not get a loan due to the false reporting of XXXX XXXX loans on my credit reports!
Product: Credit card or prepaid card

To whom it may concern ... my name is XXXX XXXX ... my family and I have recently been affected by the COVID 19 pandemic, not in a health way ... however in a workforce way ... we have been laid off by our employers in XXXX and have absolutely 0 income coming into the household right now. I understand the importance of keeping up with my payments and bills however I have the following outstanding accounts right now : SYNCB/PPMC for {$980.00}
Product: Mortgage

To whom it may concern : I am being overcharged on interest APR on this loan. I have directly request an amortization statement for the complete loan and the company states it can not be generated by there staff. I Have called several people in the CSR unit and even their escalation dept with no success. they continue to charge me the wrong daily APR and several months no principal is applied to loan balance.
Product: Debt collection

National Credit Systems has reported on my consumer credit report for XXXX, XXXX, and XXXX a debt that I do not owe and they are saying the account is currently open. I do not have a debt with XXXX XXXX XXXX nor did I allow this to be placed on my consumer report so it was done without permission. The dates on the account show that it was active since XX/XX/2016, with account number XXXX. 

In accordance with the Fair Credit Reporting Act National Credit Systems account # XXXX has violated my rights. 

15USC 1681 SECTION 602 states I have the right to privacy.

15USC 1681 sECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to request the removal of several negative items from my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). These items are as follows : UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX with account number XXXX. This account has a payment history despite being a charge off, which is a violation of the FCRA. I request that it be deleted immediately. 
XXXX XXXX  XXXX with account number XXXX. This creditor has reported 60 day late payments on my account for XXXX and XXXX of XXXX, but I have never been late on this account. They have admitted over a recorded phone call that these late payments were an administrative error on their part and agreed to remove them. A copy of that XXXX file of the call is included in this complaint. The creditor has also failed to prove that they sent out an early warning notice as required by the FCRA. 
XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXXXXXX XXXX  with account number XXXX. These accounts have a payment history despite being charge offs, which is a violation of the FCRA. I request that they be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account number XXXX, and XXXX XXXX XXXX XXXX with account number XXXX. Kindly investigate and make sure these accounts belong to me because I can not recognize these businesses. Please delete these accounts from my credit report in accordance with the FCRA. 
I would like to emphasize that these items are causing significant harm to my credit score and financial well-being. As such, I request that you take immediate action to address these violations of the FCRA. 

Thank you for your prompt attention to this matter. 

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

I finally looked into my credit and saw a collections from transworld systems inc. Which is fraudulent and erroneous because I've never contracted with that company Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Product: Payday loan, title loan, or personal loan

Under the Fair Credit Reporting Act. I reached out to the company informing them that the Texas Statute of Limitations had expired on the alledged Debt they claim I OWE and stated that I wanted the Debt removed from my Credit report due to being beyond the Statute of Limitations and the rights provided to me by the FCRA I have records that show after I sent the letter about the statute of Limitations they have Violated my rights multiple times by changing the Balance to make it seem like a current debt when infact the report shows it was closed in XXXX XXXX almost 5 years ago. In the most recent letter dated XX/XX/XXXX Claiming they Determained my account was reporting accurately. 
There is NO accuracy to any account when it has expired the State 's Statute of Limitations anyway I have copies of such I can upload as proof. Each item will show that Oportun is trying to miniulate the Debt to restart the Date or attempt to make it appear to be current by making changes to it as it shows on my report this is obvious straight Violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report in light of the Equifax data breach. I have recently become aware of unauthorized access to my personal information, and I believe it has led to negative accounts on my credit report without my consent. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and rectify inaccuracies on my credit report. In accordance with this, I kindly request your assistance in investigating and, if found to be a result of the Equifax data breach, removing all negative accounts, charge-offs, and inquiries that have been reported without my permission. 

I have taken the necessary steps to secure my information and monitor my financial accounts more closely. However, the impact of these unauthorized accounts on my credit history has been a cause of concern. Your intervention in this matter would greatly help in restoring the accuracy and integrity of my credit report. 

Enclosed with this letter, please find supporting documentation related to the Equifax data breach and any additional information that might assist in your investigation. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Discover student loans was one servicer of one of my several federal student loans. The loan originated in XXXX and I had 176 months of perfect payments, and the loan was paid off in XXXX. In XX/XX/XXXX, I had credit score of XXXX, important because I am buying a new home. However, Discover erroneously submitted information from XXXX and XXXX, and two delinquencies are being reported from XXXX my loan was PAID OFF IN XXXX. 

Discover acknowledges the error. They dont know why the incorrect information from XXXX and XXXX was submitted to XXXX , but they are unwilling to resubmit as they say they can not. This has caused a material damage with interest charges for XXXX loans of {$740.00}, as well as the loss of my home loanit needs to be immediately corrected so I dont lose this house I am purchasing and Discover and XXXX need to pay damages in remuneration. 

I have had to address this issue with Discover 8 times since XXXX, and while they eventually correct it, they inevitably end up resubmitting incorrect information that is causing material damage. Discover and XXXX, XXXX and XXXX need to be held accountable and this error needs to be fixed IMMEDIATELY
Product: Checking or savings account

About a month ago I requested to change the address for a credit card in my name that is for a XXXX XXXX that I serve on its XXXX. I was initially told that it could not be done without another XXXX members okay. I subsequently found out that the address for the credit card statement was in fact changed however to my personal address. When I attempted to fix this I was again told that I could not accomplish this without another Board members okay. However within an hour of this as I was directing another XXXX member to assist me in this change I received an alert that all of my personal account documents were going to be forwarded to the XXXX XXXX that is in another state. I immediately contacted another bank representative and was told at the conclusion of my conversation that all was corrected. A day later I received another notification that my personal credit card statement was to be forwarded to the XXXX XXXX. Because of the continued incompetence of the bank representatives via telephone conversations I decided to visit my local bank representative and at that time she corrected all the previous mistakes. 
My concern in this situation was that had I not kept on top of this my personal banking and credit card documents would have been accessible by someone that I did not provide access. 
My initial conversation occurred in XX/XX/2018. My subsequent conversations were on XX/XX/XXXX and XX/XX/XXXX. I visited the bank personally on XX/XX/XXXX. On XX/XX/2018 I was contacted by an executive with the bank and I reiterated all that I have mentioned above. When I asked what would be done I was told that they would investigate and take necessary action. I then asked that a letter be sent to me describing what was done and to acknowledge our conversation and was told that the bank would not do that. 
The bank is Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Debt collection

Debt collector keeps calling me even though debt is more than 7 years old and is written off, they have been asked multiple times to not contact me by phone but they are calling frequently including on evenings
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}
Product: Credit card

On XX/XX/year> I entered into an agreement with Chase to pay for a purchase of {$1900.00} over 18 months utilizing their chase plan. The company engaged in fraudulent and deceptive practices by not fully disclosing their terms which resulted in my chase plan being paid off 12 months early without my approval. Specifically, it was communicated to me by their phone support supervisor that it is company practice to apply any credits to the chase plan instead of to the balance not subject to chase plan. I was instructed to remediate the issue by creating another chase plan which would result in an additional fee to be paid to Chase. Chase has violated the terms of our agreement by misapplying credits and engaged in deceptive business practices to earn more fees to the detriment of consumers. The company requires a click approval of terms prior to the transaction taking place, and the information provided is the most reasonable method to communicate the true and correct terms of the transaction. Further, even if they may positively assert that the terms were previously communicated, It is unreasonable to expect a consumer to avoid other unrelated purchase adjustments/credits, and to know in advance to do so, when these supposed terms are omitted from the terms document I approved & retained. As such, Consumers are not reasonably able to avoid injury ( in the form of additional fees or breach of terms ) due to these material changes in their program. Therefore, Chase engaged in Unfair, deceptive, or abusive acts and practices ( XXXX ). 

The company refuses to correct the situation they created by altering our agreement and I am otherwise forced to take their unjust treatment and incur additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to report credit cards on my reports that do not belong to me. XXXX XXXX and XXXX XXXX XXXX.
Product: Bank account or service

My account has been closed twice in under 3 months by Chase. I was charged fees for not maintaining a minimum balance because the bank ( Chase ) withdrew money from my account. I have not had access to my money for nearly 3 months and now I can not access my money and I am refinancing my house tomorrow and this is causing difficulty in me being able to make the payment to complete the refinance.
Product: Student loan

I paid the amount to keep it from going on my credit despite my being over charged and the interest incurring daily is insane. I can not afford these payments especially with the increase in the cost of living. Nelnet has had XXXX response back to me and continues charging me inaccurate amounts and interest overcharges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im completely unaware and have NO KNOWLEDGE of any of theHard Inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that a consolidated student loan which was placed with XXXX  and subsequently transferred to XXXX still appears on my transunion and XXXX credit reports as open and owed in full. I submitted a credit dispute to transunion and XXXX, and spoke with XXXX  by phone asking that they update my account to reflect the fact that the balance was not owed to them and had instead been transferred to XXXX. I was told by XXXX  that they would do this and was sent a letter by email to that effect, however instead XXXX  verified that I still owe the full balance to the credit unions.
Product: Money transfer, virtual currency, or money service

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

Double payments, only authorized for once a month, taken at different days for different amounts causing account to be in jeopardy.
Product: Vehicle loan or lease

I paid a total of {$6600.00} plus {$2000.00} at signing of contract. for the first year of the account. At first it was deduction from my amount owed. Then out of nowhere they reseted everything and said they started a new loan and that I had to pay the full amount over again. I continued the payments. A few months in the payments started not being deducted from my account again. They claimed it was going towards the principle amount. They never showed the amount of principle owed. I keep making payments but my balance never changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to update my payment account for multiple days weeks and months. I emailed the company for assistance. I even messaged the company to make the aware that there is a glitch in the app where I couldnt update payment info due to the app asking me to verify my address and the kicking me out over and over. After looking on their XXXX page many people have had the same issue and then they report payments past due when the consumer is trapped in not being able to make a payment. This app should be shut down. I would like this account removed or updated to positive payment history. I have photo and email evidence of my attempts to pay prior to being past due. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my lease with ally was paid off due do an insurance claim. I received multiple calls after about a balance that was owed for XXXX after the payoff. I did not understand why there was a balance and rep could not explain either so I asked for a detailed letter explaining the charges.I did however make a payment for XXXX after the just so I wouldn't have any collections hit my credit report. In XXXX I received a detailed breakdown of fees and it explained that the balance was my insurance deductible which I had believed I would've received a bill from my insurance company. Which left me skeptical, so I reach out to my insurance company to verify which I told Ally I was going to do. Once I received confirmation paid Ally off. The following month XXXX my correct report showed I had been in collections since XXXX for XXXX. I called Ally to dispute and to no avail no a soul understood what I was talking about they just kept saying my account is paid off in good standing but in fact it's not and this has hurt my credit score tremendously. I have never missed a payment and for Ally to put 4 months of collections on my account is not only wrong but big a inconvenience to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact and communicated the company in order to have my credit report to be corrected. I am seeing so many inaccurate accounts, the dates I were tagged late were incorrect, the balances and dates were incorrect.
Product: Checking or savings account

Hello, Capital One management closed my capital one bank account, terminated the relationship with me and confiscated my bank balance Which I got from a certified check issued by the IRS. without any right due to a misunderstanding and an unintentional mistake resulting from my poor XXXXXXXX XXXX XXXX  They didnt excuse my ignorance. I contacted their XXXX customer service XXXX department several times to solve this problem, reopen my account again and restore my account balance, but to no avail. They didnt respond to me or even tell me about the fate of my balance that was in my account. I hope you will intervene and solve this problem soon because I am in dire need of this balance and I am not at fault in all of this.If you would like to inquire or ask for help, please contact me via my email : XXXX, as I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an invalid debt with a collection agency called XXXX XXXX XXXX for several months with the collection agency and Experian. They refuse to remove invalid and inaccurate information causing damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my daughter.