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

Account XXXX : XXXX. The late payment in question is reported by XXXX XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Student loan

Since XX/XX/2016, I have been in constant contact with my servicer Fedloan regarding my Direct Loan / Public Service Loan Forgiveness Program case. My case has been reviewed a few times by them. Sadly, it appears every time they have a " systems update '' like this past weekend ( XXXX 2016 ) on the online system they use to track my payments towards loan forgiveness ; the updates create a glitch that causes number of payments and /or dates of when the forgiveness will occur to go haywire. At times, the payments and dates do n't match the letters they send me indicating the number of payments left and date of forgiveness based on the tracking form I send every year. A perfect example, overnight this weekend after their " update '' the tracker increased my payments by one month. When I call they are very helpful. And for a few days I will see changes in my account. But it 's has gotten to the point where I am needing to call them 2-3 times per month and each time a " review '' is created. I wanted to file this complaint as it appears to be the only avenue I have. The last time I called, 2 weeks ago, the representative told me there was info on my account about me living in XXXX County, Florida. I have never lived there! She said she would send the problem for a review. It seems the reps can never fix anything on their own or transfer you to someone that can. It is an easy company to work with and the problems just started this year after a XX/XX/XXXX " systems update ''. Either this company needs help or I do!
Product: Mortgage

This is the exact message i sent my mortgage company... 
Our home was made inhabitable due to a natural disaster ( XXXX XXXX ) XXXX. We immediately called FM for help with our mortgage payment. We became part of your Forbearance Program. On XXXX we submitted an application for Loan Deferral Program. Never told this would hurt our credit. We were also told by multiple agents NOT to make any payments, this would interfere with the application process. In XX/XX/XXXX we received a notice that we were being reported to the credit bureaus. We were shocked and we immediately contacted FM and was told that its an automatic notice, not to worry, we are protected because we are waiting for payment deferral offer. We received & accepted the offer on XXXX XXXX, XXXX. We thought all was good! On XX/XX/XXXX both our credit got hit hard! We believe this is in error. Please fix. We are also contacting CFPB & Florida XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card recently saw its credit limit raised from {$500.00} to {$2500.00}. The credit card bureaus show that I have an outstanding balance ( {$190.00} ) too high for my old lower limit ( they like it to stay under 1/3 ), causing a temporary hit on my credit score. I tried to fill out a " dispute '' to alter my credit limit but failed after trying maybe 5 times. Please help! 

So, Equifax and XXXX  These agencies are self-appointed masters of our economic lives and I'd like to know by what right they even exist ( but that is another issue ).
Product: Checking or savings account

Capital One call center representatives and welcome email confirmed that I will receive a {$500.00} reward once I meet all the requirements, but the reward was not distributed as promised and I was told later that I am ineligible for the {$500.00} account opening bonus. 

I opened my account successfully with the promo code " XXXX ''. I received a confirmation email from Capital One bank on XX/XX/2020, which indicates that I will see the bonus in the account within 160 days after account opening as long as I make the required deposit within 10 days. The email did not have any languages indicating my ineligibility for the promotion. During this time period, I called Called One and was confirmed that I would receive the bonus. 

I waited for about a half a year, but the {$500.00} never hit my account. Call center representatives said that it is normal that it takes longer time for the system to process the reward and asked me to wait. After opening a case, I was informed that I was not eligible for the bonus, which contradicts to the communications that I received from Capital One bank in the past. The promotion requires depositors to keep a balance of USD XXXX to receive the {$500.00}. I kept my account balance above USD XXXX for approximately 180 days at the time of writing this complaint. 

I was not able to resolve the issue with local branches in XXXX. Local Capital One banks are turned into cafes. Local bank employees have limited access. Resolving the issue with Capital One bank is difficult and time-consuming. I received no email response after requesting the Capital One bank investigation team to reopen my case.
Product: Debt collection

I am not aware of any collection from XXXX XXXX XXXX. this is an error i do have insurance with my employer and all deductibles is met.
Product: Mortgage

I have called PNC numerous times over the past few weeks to ask them to apply my payment. They continue to hold my payment ( {$2100.00} ) in some suspense account. As seen in the yellow circles, I have made a full payment with my two biweekly payments. You can also see that they typically apply that payment right after they receive both halves. This month they have been holding both halves of my payment for over two weeks. Ive called XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. They still wont correctly apply my payments. 

Their system also undid two separate principal only payments that I made. Once for XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both of the screenshots show that I wanted these applied directly to the principal but they reversed it and moved the funds to a suspension account. 

I respectfully request that they correct everything and get my balance updated properly because interest is getting calculated on the outstanding balance. But because they are refusing to apply the payments I sent the interest is being calculated on the wrong amount.
Product: Credit card

Please remove the late payment from my account. 
I always pay on time. This is causing me a lot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

MOHELA/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX  {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX
Product: Debt collection

As of XX/XX/XXXX, I received a letter for someone named " XXXX XXXX XXXX '' from XXXX at my old address concerning a reference to a bill for service and the demand to return XXXX equipment. Seeing as my name is not " XXXX XXXX XXXX '' and I've never had XXXX, this was a rather big problem. Also, the fact that they mentioned an email with no connection to me tipped me off as well. I ignored it and continued with my life as usual, believing it to be spam. This was a mistake. 
On XX/XX/XXXX, I received another letter ( also for XXXX XXXX XXXX ) from XXXX XXXXXXXX XXXX on behalf of XXXX XXXX concerning a balance of {$780.00} that I was expected I pay. I called them at the number provided and filed a fraudulence claim and was told they would rectify it. 
I heard nothing for two years and assumed it had been resolved. 
On XX/XX/XXXX, I received another letter ( for XXXX XXXX ) concerning the supposed debt to XXXX via a different debt collection service called ERC. ( see attached ) Please help me conclude this issue.
Product: Credit reporting or other personal consumer reports

recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX. XXXX XXXX. Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : XXXX. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. XXXXThe date on which you contacted the individual information furnishers. XXXXThe method of communication used to verify the information.
Product: Money transfer, virtual currency, or money service

I opened a cash app account via online app. Every time I log on I get an error notice on the page and Im unable to do anything further on the app. Some times I can see my balance and when I do it has been different amounts ranging from $ 5- {$11.00}. In the month of XX/XX/2020 I received two small deposits from my niece. One was for {$11.00} and the other was for {$7.00}. I never received a notification that she sent them as I have experienced with my last deposit made into my account from my daughter on XX/XX/2020 for {$100.00}. I received a text notification for my daughters deposit. My account however, has not reflected the added {$100.00} deposit. I tried to contact Cash App through the app but as I stated before I could never navigate the app due to the error screen that always popped up so I found Consumer Finance to submit a complaint since there is no other means of interaction for Cash App. I also submitted a complaint with another online website who I believe was a scam so I didnt further initiate contact with them because I was uncomfortable with the questions being asked. I have a card for the Cash App account that I have had constant log in issues with as well but have never used it. I have since made a new Cash App account and I wish to close the other account and receive all funds attached to the old account. I would like to be reimbursed by paper check in the amount of {$110.00}. That is the balance I am supposed to have in the account. Once that account has been close and deleted I would like documented proof to have for my records of this.
Product: Debt collection

I received validation but no signed contract with this collection firm. I do not agree with the data on the statements or the date of charged off. Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, I am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the XXXX XXXX, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute certain accounts that appear in my consumer report, which is maintained by your agency. According to the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b and 15 USC 1681c-2, I believe that these accounts should not be furnished on my consumer report for the following reasons : Under 15 USC 1681b , Section ( a ) - Permissible Purpose of Consumer Reports : Subsection ( a ) states that a consumer reporting agency may furnish a consumer report under specific circumstances.

Clause ( 2 ) of this subsection allows for the disclosure of consumer information in accordance with the written instruction of the consumer to whom it relates.

I have never provided written consent to any consumer reporting agency to report the information in question on my consumer report. This constitutes a violation of my rights as a consumer.

15 USC 1681c-2 : This section of the FCRA mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft.

I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter and have obtained a reference number for my case ( XXXX ). This indicates that the information in dispute may be a result of identity theft.

I am formally requesting the immediate deletion of the following accounts from my consumer report : Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Company or Organization : XXXX XXXX APTS Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES ; Name : XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/2023 UNAUTHORIZED ADDRESS ; 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: Money transfer, virtual currency, or money service

On XX/XX/year> I contacted Paypal and my credit Union to inform them that I had three ( 3 ) unauthorized transactions on my account after being prompted to verify my identity by scanning a QR code. Paypal stated they would investigate it and have since closed the case stating it was authorized. What? TWice I have spoken to people at Paypal and they stated a supervisor would call me and NO ONE called me. Also, when I reached out to XXXX XXXX XXXX in XXXX, Ohio to dispute the charges they told me to contact Paypal. I am getting no where. I did not authorize these charges. I live alone. I do not know these Indvidual. Paypal suggested I contact the individuals and blamed me for the unauthorized charges. The only reason I have not deleted my paypal account is b/c I have filed a dispute about these transactions. Once resolved, it is gone. I want my money back... I do not know these people. Can you help me?

The amounts that were debited from my bank account are as follows : XXXX. 
Paid with ( 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: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint to the CFPB on XX/XX/XXXX against XXXX XXXX Bank due to unfair practices of not letting me pay off my debt despite calling and following up with them multiple times, and hitting me with delinquent payments and hurting my credit score. My XXXXredit score has still not returned to the original value it was at before I had opened a card with this bank. I have always responsibly paid off all my debts and worked extremely hard to increase my credit score. Please see the attached file for my earlier credit scores ( in XX/XX/XXXX ), where Transunion was XXXX ( I'm currently only at XXXX ), and XXXX was at XXXX ( currently only at XXXX ). This is unacceptable and a violation of my rights as a customer.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX I am writing to delete the following 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. Please delete the items as possible. 

I Noticed This Information XX/XX/XXXX ACCOUNTS : Account name : XXXX BANK XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$180.00} Account name : XXXX CARD Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$1400.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$17000.00} Account name : XXXX XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$4700.00} Account name : XXXX XXXX XXXX  Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$4700.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$1100.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$1500.00} Account name : XXXXXXXX XXXX XXXX XXXXccount XXXX : XXXX When account was opened : XX/XX/XXXX Account balance : {$440.00} INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry XXXX : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX CO Inquiry Date : XX/XX/XXXX Inquiry Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date XXXX XX/XX/XXXX
Product: Consumer Loan

This issue occurred toward the end of my HARP loan process on XXXX XXXX, 2016. I got a call from the loan officer saying the underwriter noticed a lien on my existing mortgage. I had no idea what they were talking about. I was told to contact bank of America for details. I walked into the bank and no one was able to assist me. I came back another day and someone submitted an elevated request on my behalf regarding this mystery lien. A few days later I got a call from a BOA representative and she told me that I need to get a title search done. After I got that done I called back and was re-routed to someone else who stated that the account was from another company that went out of business, the account was closed and BOA bought all the accounts. I was told the previous company was supposed to release the lien but did not do it. I was told that the lien release will be faxed to my underwriter early morning the following week. When the week went by, I called back but was once again re-routed to another person. This went on for weeks at a time. I was given reference numbers each time but these numbers could not be traced back with history of my previous calls. Finally, in XXXX, after being referred several more times I called demanded to speak to a manager and was given the number to a high level manager named XXXX XXXX. He seemed surprised that I was able to get through to speak to him as he stated that calls are usually handled through the call center. I explained that I was promised a lien release but it did not come. XXXX XXXX promised he would get that lien release to me but it would take another 30 days. I got nothing. I tried to call XXXX XXXX again but he would not return my calls. I decided to contact the XXXX. BOA had a representative ( XXXX XXXX ) contact me saying he was working on a resolution. I gave him contact phone numbers of the people who promised to release the lien. He told me it would take 15 days and he would contact me at that time. 15 days later I get a call from XXXX XXXX saying he needed another 15 days. I asked him if he contacted the people that promised me the lien release but he said he wanted to do his own research. At the end of that 15 days I get a letter in the mail from XXXX XXXX that I own BOA {$51000.00}. They never intended to help me but only help themselves. How could no one contact me for all these years ( at least 8 years ) or that this lien was not on my credit report? I need my refinance to be completed. How could BOA lie to me about releasing this lien? Is that the way they do business?