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

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX and JPMCB has violated my rights. 15 USC 1681 Section 602 States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also stated that 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: Credit reporting, credit repair services, or other personal consumer reports

No payments ever was late. XXXX still reported my account as late pay to Credit bureaus. 3 times I submitted documents to Credit Bureaus for correction, and 3 times XXXX reported late pay as accurate. I need your help. My copies of cashiers checks and XXXX 's statement showing exact dates they received my payments collaborate the facts below. ( all supported by attached copies of cashiers checks sent to XXXX and XXXX statement ) * XX/XX/XXXX- XXXX approved forbearance from XX/XX/XXXX to XX/XX/XXXX. 
XXXX payment after forbearance was sent on XX/XX/XXXX ( received by XXXX XX/XX/XXXX ) XX/XX/XXXX - XXXX  Requested documents to qualify mortgage for modification XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX  XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX  XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX  XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX  XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) After multiple request for modifications were denied XXXX asked for the full forbearance amount or short sell or deed in leu ( loose the house or pay full forbearance ) {$50000.00}, to cover forbearance and re-state the mortgage, was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX )
Product: Mortgage

Bayview Lending is sending threatening notices to foreclose and certified mail to XXXX XXXX on XXXX loans. She is not on the note or mortgage on any of the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of education is currently reporting false late payments on my credit report, even though the president had suspended all payments until further notice. 

One Amount is for : {$1900.00} The Other : {$7700.00}
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have failed to fulfill its legal obligation under the fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence. I provided, causing ongoing harm to my credit standing. XXXX requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law, and my rights as a consumer.
Product: Consumer Loan

I was issued a credit card by First National Bank of Omaha under the title of XXXX. I made all payments at the First National locations in XXXX. I allowed my daughter to use the credit card. 

Today at a trial in XXXX, a XXXX year employee of First National Bank denied the credit card was issued from XXXX. He contended, under oath, that was not possible. But I know firsthand as I used it. I am not denying that, but the employee from the collections department at the Bank was untruthful, as to the issuance, activation and ownership of the XXXX 

The records will verify I made payments until I incurred medical, legal and financial difficulty and I never refused to pay. XXXX, being the XXXX dollar corporation litigated against my daughter and I contending we were jointly responsible. And conveniently, First National contended they do n't have any records prior to XX/XX/XXXX, to verify the card was issued under the XXXX name. 

In the XXXX XXXX on page XXXX item XXXX, it states " From approximately XX/XX/XXXX until XX/XX/XXXX, Respondent marketed and sold the Credit Monitoring Product PrivacyGuard. '' How does XXXX acquire records as First National contended they do not mine have relating to the XXXX Visa? I believe they are involved in another untruthful operation. 

I am requesting an interview to ascertain if an illegal act has been committed. 

Thank you. 

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

Dear CFPB I am writing to you with heavy heart that XXXX XXXX XXXX reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them. 

During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately. 

I am sending the letter from XXXX  XXXX  saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that XXXX XXXX is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks after than conversation i received a letter saying they will not fix it as it was not their error.
Product: Debt or credit management

The CFPB has closed complaint XXXX as a duplicate and XXXX after receiving FDR 's response. This is a mistake. The matter is unresolved for the following reasons : XXXX, Freedom Debt Relief ( FDR ) still has custody of {$14000.00} of my money in their " program deposit '' account. See attached screenshot of my escrow account. Second, the company has refused to honor the settlement offer it negotiated and has charged settlement fees of more than {$4200.00} on this account that it must refund. Third, FDR must honor the debt validation request to show payments made to XXXX andor XXXX which it has not done, contrary to 15 U.S. Code 1692g ( b ). Fourth, FDR has provided unsatisfactory documentation. It recently came to light that FDR 's handling of the XXXX  debt did not result in the payoff that FDR represented, they have failed to provide adequate paperwork telling me to obtain it myself : " Upon receipt of your request [ for the XXXX paperwork ], we attempted to reach out to the creditor to obtain the paid in full letters, but the creditor requested you contact them directly. '' All of these actions are ongoing violations of the FDCPA and the Federal Trade Commissions Telemarketing Sales Rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 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
Product: Checking or savings account

I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. As per the message, I was told to call the bank which i did on XXXX XX/XX/2023 and was on the phone for around 45 minutes. Reasons provided : 1. One of the check was returned back. 2. There was a direct deposit from my husband into this account. I provided my clarification and they said that they will add my spouse as a joint owner for checking account and will unblock my account to access it and do any transactions. But even after 14 days - my access is not working. It's my salary account and all my savings are there. Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or TDD/TTY XXXX. Finally I got one letter from Keybank that they are closing my account and going to negatively impact my credit profile. Please see the attached letters. Not only this unfair and unreasonable bank held my money for weeks but now closing my account. I have no idea whether my employer paid me accurately or not? 

It's almost 4 weeks- neither I can access my account nor keybank has sent me a check ( as they are stating that they are going to close my account ).
Product: Debt collection

Securities Fraud and Breach of Contract. On XX/XX/XXXX, I sent the amount of {$15000.00}, via mail as prepayment/credit on my personal wireless account to XXXX XXXX corporate offices. XXXX did not credit my account. I sent an additional amount of {$2700.00} on XX/XX/XXXX to remittance center in XXXX, XXXX, XXXX did not credit my personal wireless account. On XX/XX/XXXX I spoke with a XXXX service representative concerned about my service being disconnected, and was told she would note the system so my phone would not be turned off. On XX/XX/XXXX, I received text messages to make a payment. On XX/XX/XXXX, I emailed a Notice of Dispute and Arbitration regarding credits for the account, and received no response. On XX/XX/XXXX after XXXX received my Notice of Dispute and Arbitration, my personal/household wireless phone account service was disconnected. I am being force to make online payments via floating rate notes.
Product: Credit card

Hello, I was charged for a service that did not take place. It was basically fraud. I tried contacting the company in XXXX and was unsuccessful. XXXX does not have a customer complaint area. Does not have a guest services department or phone numbers for tourist. So I went to my bank. My bank reject my complaint so I went further and I found the main companies contact information in XXXX. The company only work in XXXX and all over the world but their head quarters is in XXXX. I told to my bank I sent them the information and they refused to help me. The company in XXXX I have not heard back from them since either because Bank of America will not help to contact the XXXX locations.
Product: Credit reporting or other personal consumer reports

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. XXXX XXXX This accounts were not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity. XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) This are theft and was not initiated by me. I demand they are DELETED IMMEDIATELY with the fraudelent accounts/loans. I have included my tax form to show my SS and name aswell as bank statement for verification.
Product: Credit reporting or other personal consumer reports

GRAIN TECHNOLOGY INC XXXX Under [ 15 U.S.C . 1681s-2 ] ( A ) Duty of Furnishers of Information to Provide Accurate Information. 
GRAIN TECHNOLOGY INC has violated my consumer rights under the FCRA and failed to maintain ACCURACY and INTEGRITY on my consumer report. 

( 1 ) Reporting information with actual knowledge of errors.

( 2 ) Reporting information after notice and confirmation of errors ( 3 ) the information is, in fact, inaccurate.

( 4 ) Duty to correct and update information unsuccessful.

I demand this account be deleted from my consumer report due the adverse effect on my reputation.

under [ 15 U.S.C. 1681s ] The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto.
Product: Prepaid card

I purchased a XXXX XXXX prepaid XXXX debit card on XX/XX/2024. I tried to use it at multiple merchants shortly after and it was declined every time. I called InComm on XX/XX/XXXX and they said they would send me a replacement. I received the replacement promptly, but it was also declined at multiple merchants. I called InComm again on XX/XX/XXXX and requested a refund of the card balance. InComm opened a case and said I'd receive a refund check in approx XXXX weeks. I never received the check. I called again on XX/XX/XXXX and InComm said that I hadn't sent in the required documentation, which they hadn't told me about on the XX/XX/XXXX call. At this point I feel I've spent way too much time on this issue and want a refund without having to jump through more hoops.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX reported my account as enrolled on a consumer credit counseling service. That action prevented my XXXX-year-old bank, Bank of America from extending a loan for a new vehicle. Bank of America had 3 of my homes, my auto and has never being paid late, by denying my application without even considering my credit record, current income and impeccable history with them, they are discriminating against me under the FCRA act. 

There is no difference between a person like me that negotiated a re-payment plan with a few credit cards and never defaulted and a person that either has horrible credit or bankrupt. That is unfair to me and any other party that has kept their re-payment agreement as negotiated several years back. 
We are suffering the same faith as a bankrupt person. There is no incentive on us trying to protect our credit, we still get XXXX balled. 

I did not cost any of the credit cards income or default on their books. I just negotiated a better rate that they do offer to other clients. This is not fair under the terms of the FCRA. 

Please advise of ways to correct this. 

Sincerely XXXX XXXX XXXX Member of the Texas XXXX XXXX XXXX
Product: Mortgage

I have been trying to get a modification under the hamp program with my mortgage company. The first time I got it all done & it went though & I began my trial payments. Due to some personal circumstances I was n't able to make all XXXX payments so the modification fell through. I tried repeatedly after that to get the hamp redone. I was told by XXXX rep that since I fell out it probably would n't happen again. I have since then spoken to another rep, sent all my docs in again & have not received a response back. I sent an email today to inquire about my next step & was told my request was closed back in XXXX but I was never notified of this. My mortgage has continued to get further & further behind due to this & now I 'm afraid I 'm going to lose my home & do n't feel like I can get the help I need through CitiMortgage & am really at a loss as to what to do.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my Experian consumer report about two years ago. I have tried multiple times over the last two years to get the freeze removed. The online service is abysmal ; twice I have thought I successfully removed the freeze, and twice I have had companies to whom I had applied for credit inform me that the freeze was still in place. The phone automation service does not facilitate removal of a freeze, and I have tried in vain for hours to reach a real person to speak to at Experian but they appear to have thwarted every avenue for actual contact with a real person.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX XXXX XXXX, am a natural person, and I am physically submitting this dispute letter. This dispute letter is NOT being submitted by a third party. 
Upon further review of my consumer credit report, I discovered a number of violations on my consumer report that were previously brought to your attention in a previous dispute. There has been no attempt on your part to correct these violations. I am expressing my concern and bringing it to your attention for a second time. I demand that you remove these items from my consumer credit report. 

ACCOUNTS ACCOUNT # XXXX/ XXXX ending. XXXX  XXXX Reporting violations 60-, 90- day lates in XXXX of XXXX ; 60- day late in XXXX of XXXX ; 60-120- day lates in XXXX of XXXX XXXX XXXXXXXX ending. XXXX  XXXX Reporting violations 60- day late in XXXX of XXXX XXXX XXXX ending. XXXX XXXX Reporting violations 60- day lates in XXXX of XXXX ; XXXX day lates in XXXX of XXXX XXXX XXXX  XXXX ending. XXXX XXXX Reporting violations 60-, 90-, 120- day lates in XXXX of XXXX According to FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : Except as provided in paragraph ( 3 ), the term credit report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Equifax is in clear violation of 15 USC 1681 . This unauthorized disclosure of late payments on my consumer credit report is defamatory, thereby causing me to be denied credit and fair access to homeownership. 
Delete the late payments listed from my consumer credit report immediately. Failure to respond satisfactorily with deletion of the accounts referenced and a free copy of my consumer report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking damages of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 USC 1681n ] Thank for your cooperation regarding this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$770.00} US DEPT ED XXXX Balance Owed : {$550.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$8900.00} US DEPT ED XXXX Balance Owed : {$6000.00} US DEPT ED XXXX Balance Owed : {$8400.00} US DEPT ED XXXX Balance Owed : {$400.00}
Product: Credit card

While applying for the Barclay XXXX Card I asked the application specialist if they waved the annual fee for XXXX XXXX service members ( since this is common in the industry and they have a high annual fee ). The application specialist told me that sounds right but could not give me a definitive answer until I actually opened an account so they could ensure I was in a DoD database. Given that they had recently waved the fee for a few of my friends I applied for an account. After receiving the card and opening the account I transferred to a SCRA specialist who told me that a few weeks ago 'leadership ' made the decision to stop applying that SCRA benefit unless the service member incurred the debt prior to DoD enrollment date. There were unable to wave my annual fee as my XXXX XXXX service started in 2005. I explained that the application specialist was vague when I asked this specific question and led me to believe that the fee would indeed be waved. There is no way I would have applied for this high fee credit card or let Barclay run my credit report if they had communicated their actual policy during the application process. 

I closed the account prior to the annual fee being assessed, however this account will now appear on my credit report, and the fact that Barclay ran my credit report will lower my score.
Product: Credit card or prepaid card

We returned a stove and have a {$4300.00} credit balance. When we requested a refund we were told it would appear in our checking account in 5 business days. In 5 business days we received a letter stating that the refund would not appear because the name on our minimum payment of {$31.00} the month before doesnt match the name on the refund account. What does our minimum payment have to do with our refund? Shouldnt it be refunded to the account in the name of the credit card holder regardless? Are they just trying to keep our money. Feels like a scam. Please read the attached letter.