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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX consumer dispute center po box XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Charge-Off Account XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX This letter is to formally dispute the charge-off account listed on my credit report under account number XXXX [ Choose ONE of the following options and tailor it to your specific situation : ] * Option 1 : Dispute Accuracy * " I believe this charge-off is inaccurate. 15 usc 6802 e.g., " I believe the account was paid in full, '' " I dispute the amount owed, '' I request that you investigate this matter and update my credit report accordingly. '' * Option 2 : Dispute Validity * " I dispute the validity of this charge-off. [ Briefly and clearly state your reason for dispute, e.g., " I believe the debt is beyond the statute of limitations, '' " I believe the debt w

as discharged in bankruptcy. '' ] I request that you investigate this matter and update my credit report accordingly. '' * Option 3 : Dispute Reporting * " I dispute the reporting of this charge-off. [ Briefly and clearly state your reason for dispute, e.g., " I believe the charge-off was reported before the account was officially charged off, '' " I believe the charge-off was reported to the wrong credit reporting agency. '' ] I request that you investigate this matter and update my credit report accordingly. '' I am enclosing copies of [ list any supporting documentation, e.g., payment receipts, proof of bankruptcy discharge, etc. ].

Please investigate this matter promptly and provide me with written verification of the results of your investigation within [ timeframe, e.g., 30 days ] as required by the Fair Credit Reporting Act ( FCRA ) .15 usc 6802 Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

We are recipients of a COVID19 forbearance and have been trying to reinstate our mortgage payments. Shellpoint mortgage assured us telephonically last week that we were eligible for a COVID19 loan modification and that the documents to sign would be sent to us within 10 business dates. After this phone call, a letter was dated and sent claiming that we owed the entirety of our forebearance payment in one lump sum of XXXX! This was a threatening letter dated XX/XX/XXXX and with a payment due date of XX/XX/XXXX!
Product: Checking or savings account

I opening a savings account with credit karma last year when I filed my taxes. Unfortunately my last stimulus payment went to that account, the 2 before that did not. Ive been trying for almost 2 weeks to link my bank account. There is no phone number to call, and every time I reach out on support I get someone different and they give me the general steps to link an account ( which is not working ). Once I finally get across that I need something else to be fixed on their end I never hear back they will pass it along to someone more experienced with the problem and I never hear back, just to start the process all over again a few days later. I tried going to my bank and having them pull it from this end, only to succeed for it to be reversed a few days later. This is entirely too much money to leave floating out there, especially when its needed.
Product: Credit reporting or other personal consumer reports

I disputed Late pays on my credit report due to the cares Act. I had perfect payment history with these creditors, I provided documentation as well as a dispute letters these late pays have remained on my credit report for years after disputing them over and over I requested documentation from the credit bureau such as a account ledger from the creditor, Signed contract by me and creditor as well as a bank statement showing I made payments according to the Revised contract and payment agreement. None of which were provided but late pays remained on my credit report with no response from the credit bureau. Late pays Consists of Rocket Morgage XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to follow my demand. I found unauthorized inquires on my consumer report. I am demanding them to be removed. ( XXXX XXXX XXXX )
Product: Credit card or prepaid card

Hi, This is regarding my complaint against Citibank for their Costco Anywhere Visa card. I have not used this card for any transactions for since XXXX till date. Suddenly when I got my credit reviewed, I received information that there is a " Delinquency '' on my credit report. 

When I called up Citibank, I discovered that there was a transaction done in XX/XX/XXXX and they never sent me the card statement despite my informing them about my change of address. Thus, they have been adding late payment penalties and interest since that statement. 

I have called them 4-5 times, each time asking for details of the transaction and seeking card statements that can tell me if the change was legitimate or not. I have not received the requested card statement till date. 

When I called on XX/XX/XXXX they told me that the XXXX transaction was for renewal of Costco membership for {$120.00}. I acknowledged that it should be a genuine transaction and am willing to make payment for this amount if they can waive off all the late fee and interest charged to me. 

I don't think it is fair for them to charge the late fee and interest as a ) they never sent me the card statement thus caused the problem in the first place b ) despite multiple calls were not able to tell me the cause of the late payment penalties and c ) I am willing to pay off the legitimate amount I am seeking your help in resolving this matter as my credit score is negatively affected because of an act from Citibank caused by them and aggravated because of their deficiency in services where I am being unnecessarily being penalized.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app for missing money and unauthorized charges I have occurred since I started using cash app. Every time I have had a problem they ghost or tell me they can't do anything but block the fraudulent merchants for the future but won't help me get my money back they let get taken out. I seek appropriate redress for these violations
Product: Debt collection

XXXX, Experian and XXXX assert all reporting credit bureau information is fraudulent fictitious statements ( 18U.S.C.1001 ) Based on the fact for over 5 years I have been homeless I have not Contacted any debtors that are reported on XXXX XXXX Experian, and XXXX The last date of any activities of those that have been reported on XXXX XXXX Experian, and XXXX was over 5 years ago any activity on these reported delinquent accounts Also it has been over 10 years is the last time I charged anything with a credit card, Therefore someone is fraudulent feeding fictitious statements ( 18U.S.C.1001 ) Information concerning the last time a made any payment to these accounts I need to know by what method and what means that these companies who file delinquent payments how they contact me cuz I never contacted them they have no phone number they have they don't have my address in XXXX  nor do they have my address in XXXX XXXX so how was a contact I dispute all the information fraudulent feeding fictitious statements ( 18U.S.C.1001 ) I attest all delinquent accounts reported exclude { " United States Department Of Education XXXX' LOANS which I will deal with them directly } all other delinquent accounts credit cards stores loans, ECT reported to consumer credit bureaus : XXXX, Experian and XXXX have already meet XXXX anXXXX XXXX XXXX Statute of Limitations on Debt. Therefore should be immediately removed and prevent these companies from being used by malicious persons trying to wreck my credit do not receive any more reports from them use the XXXX XXXX  and XXXX  statute of reporting credit debts limitation.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I dont know why. I regularly review my credit report, but this time, I noticed unexpected errors. I attempted to refresh my browser, hoping it was just a display issue, but the incorrect accounts were still there. Because of this, I ask that my submitted documents be carefully reviewed to ensure I dont have to deal with this concern again.
Product: Debt collection

XXXX XXXX XXXX XXXX and Central Portfolio Control Inc. tried to collect a debt from me that I didn't owe. I sent over the creditors validation letter neither one of them Validated the debt in order to prove they were capable of collecting the debt in the 45 day allotted time given by the ( FDCPA ) Fair Debt Collection Practice Act. In fact, XXXX XXXX XXXX XXXX didn't answer back to my letter I sent them. Accordingly, to the Law when a collection company doesn't answer back with in 45 days they most stop all collection efforts and removed themselves from my credit report from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

This is my final communication regarding your claim that the information below has been verified and that the information being reported is accurate. You are clearly furnishing inaccurate information for the " date last active ' and 'date last reported '. I have already informed your company of this error and you have yet to remedy this. ELOAN re-aged account XXXX. Re-aging is when a debt collector changes the date of last activity on a debt to a more recent date than is accurate. I will include a copy of my credit report to show the inconsistent dates. I have already given you a chance to fix this now I am demanding that the account is deleted from my credit report due to illegal reporting. Disputing a debt is not considered activity on the account. Falsifying account information like this is a violation of the Fair Credit Reporting Act. If this account is not removed within 14 days, I will seek the possibility of hiring a consumer attorney. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with XXXX, XXXX, and Experian all on XXXX XXXX, 2021. It is XXXX and I still have not received anything back from them. They are not following their own policies by responding within 30-45 days. Even sent a demand to comply letter! This is ridiculous. Those items disputed need to be removed immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewing my account and payment history. Capital One is reporting a late payment to both XXXX and XXXX for the month of XXXX. This information is false, and the history shows where I even paid extra for that specific month. I will attach the payment history from their own website. 

I attempted to reach out to Capital One on numerous days, only to be hung up during an automated transfer several times. I tried their chat system, and it directed me to call. They are also not reporting all of my payments monthly on my consumer report. 

The law states this information has to be 100 % accurate, or it must be removed or deleted. 
I am requesting that it be deleted from both my XXXX and XXXX consumer report. Furthermore, I did not give them permission to furnish this info to the reporting agencies. 

FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) state this information is to be excluded from being reported to any consumer reporting agency.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Mortgage

Signed and purchased house XX/XX/XXXX with XXXX XXXX. Husband lost job due to Covid in XX/XX/XXXX. Contacted XXXX Mortgage before my XXXX payment was due and they said the only option would be to do forbearance. Since I was not past due I could do 3 months and extend if necessary then I would be able to defer to end of loan. Mortgage company was then transferred to new mortgage company PHH Mortgage end of XX/XX/XXXX. Scheduled first call with Relationship Manager XX/XX/XXXX. Received call for another rep. saying my Relationship Manager was busy but he wouldn't give last name only id #. He said I couldn't stop forbearance and would need to remain on forbearance. Couldn't setup account online to make payment. 10+ scheduled appt with Relationship Manager and received another rep each time only giving first name and id #. Requested supervisor or management contact me many times. Was given incorrect information every phone regarding my loan. I have documented every conversation with dates, times, person name, id # and incorrect information given. Also have a box of letters from PHH with mismatched information, some even dated same date received by mail on a separate date saying two different things/information regarding my account. Was told would need to do loan modification application but a rep submitted wrong application and was denied. Had another rep submit the correct loan modification application and PHH came back and said I have a judgment or lien on house from XXXX  XXXX dated XXXX. I do not have any debt with XXXX XXXX. Verified with XXXX XXXX and by running my credit report. During this I was finally told I could start making my monthly payments by phone for XX/XX/XXXX. Went to make XX/XX/XXXX payment by phone and was only given option to pay total amount owed of XXXX even though I attempted to stop the forbearance back in XX/XX/XXXX. I have emailed PHH requesting a transcript of all phone conversations with the many different reps over the last 6 months. Have another scheduled appointment tonight with Relationship Manager but at this point I'm not even sure this person actually exists. I have hours and hours of time missed from my job because of each conversation with PHH being over an hour long with never getting resolutions.Please help.
Product: Debt collection

On XX/XX/year> credits resource management. Edit a collections account for the amount of XXXX XXXX XXXX XXXX XXXX dollars to my credit report period I have never had an account with this company..
Product: Credit card or prepaid card

I have been getting charged DOUBLE INTEREST on my TD Bank Charge Card. My most recent payment for XXXX was paid on XX/XX/2020 for a total of {$140.00}. {$92.00} was for INTEREST. Shortly thereafter on XX/XX/2020, my account was charged AGAIN for {$94.00}. This has been typical since I started using this card. 

On XX/XX/2020 I paid {$120.00}. INTEREST CHARGED was {$80.00}. AGAIN, shortly thereafter, I was charged {$92.00} INTEREST AGAIN on XXXX XXXX. 

XXXX PAYMENT was {$100.00}. {$51.00} was INTEREST. 
XXXX INTEREST CHARGES AGAIN for {$80.00}. 

XXXX {$37.00} PAYMENT. {$21.00} was INTEREST. 
XXXX INTEREST CHARGES AGAIN for {$51.00}. 

XXXX PAYMENT was {$35.00}. INTEREST was {$1.00}. 
XXXX INTEREST CHARGES AGAIN for {$21.00} As you can see, TD Bank is charging me TWICE A MONTH FOR INTEREST.
Product: Debt collection

Sent dispute letters asking to verify debt and was debt was never verified.
Product: Student loan

XX/XX/year> Navient responded to my initial complaint with false information about how to handle this debt. They stated to contact XXXX to discuss settlement or a long term payment option. When I contacted the company they stated they didn't know why Navient suggested that because they can not assist with my loans. This ongoing issue has provided emotional and physical strain on my wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect credit reporting. XXXX. No response when trying to settle. 

National Credit System Acct XXXX ( collection for XXXX ) Phone # XXXX Balance {$3900.00} Being transferred to a law office that wont return my calls or emails. Cant settle debt that we dont even owe. My signature IS NOT on the form.
Product: Mortgage

Bank of America illegally transferred my loan to different lenders and banks without proper notification to me. Once I was not in a position to continue my mortgage payments, Bank of America dumped my loan on other lenders and separated my XXXX and XXXX mortgage which made it extremely difficult for me to negotiate and follow whatever crumbs which were left for a paper trail.
Product: Credit card

In 2011 I hired XXXX XXXX as my caregiver followingsurgery. During the next 3 and a half years she systematicallyused all my credit cards and atm card for her benefit. 
Thousands have been stolen. I filed XXXX police reports. Nohelp. Am currently contacting the fraud dept. of all cards used. 
{$1700.00} has been returned. More to come. I had my bank autopay my bills while my XXXX was healing. I trusted her.
Product: Credit card

My credit limit was {$590.00} when I filed a fraud complaint with them earlier this year... .Now they are saying I owe {$1000.00} as of XXXX XXXXThey have been charging me a late fee of {$40.00} every month and my card was closed months and months ago ... .I thought Congress passed a late fee bill of {$8.00} ... .This is clear cut extortion and fraud on their end... I'm not paying when I didn't charge on the card ... .Please help and report this company to the public
Product: Credit reporting, credit repair services, or other personal consumer reports

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX.XX/XX/XXXX Regarding an Inaccurate XX/XX/XXXX XX/XX/XXXX Account Dear CFPB Representative, I am writing to file a formal complaint against XXXX. XX/XX/XXXXfor inaccurately reporting a collection account on my credit report through Experian and for their refusal to provide proper debt validation as required by law. 

The collection account in question is listed as a XXXX account with the account number XXXX. I have no knowledge of this account, and XXXX has confirmed that they have no record of the collection. Below is a detailed timeline of my efforts to resolve this matter : XX/XX/XXXX : I contacted XXXX. System to dispute the collection account, as I have no knowledge of it. I was informed by their representative that I needed to contact XXXX directly. 

XX/XX/XXXX : I contacted XXXX, and they confirmed they have no record of this collection account. They stated that my old account with them was closed with a XXXX balance. I was instructed to complete and return their fraud packet, which I submitted on XX/XX/XXXX. 

XX/XX/XXXX : Upon reviewing my credit report, I found that this collection account is still being reported by Experian, even though no other credit bureau is reporting it. I called XXXX. XXXX and requested a debt validation letter. The representative claimed it had been emailed to me, but I have not received anything via mail or email. 
I requested proof of the email sent, but XXXX. XXXX stated my timeframe for requesting debt validation had expired. When I asked to speak to a supervisor, I was initially told the manager would tell me the same thing. After insisting, I was transferred to a supervisor named XXXX ( ID # XXXX ). XXXX informed me that I could not request debt validation over the phone and would need to send a written request by mail. 
Additionally, I have not reported this issue directly to Experian because I have had previous issues with filing disputes through their system. These past experiences have left me with little confidence in their ability to address this issue promptly or fairly. 

On XX/XX/XXXX, I contacted XXXX to check the status, and they stated for some reason they can't locate my fraud package and ask me to resubmit another which I did on XX/XX/XXXX. 

XXXX.XX/XX/XXXXrefusal to provide proper debt validation, contradictory responses, and the continued reporting of this inaccurate collection account violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).