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

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Type : Line of Credit Responsibility : Individual Date Opened : XX/XX/XXXX Status : OPEN Status Updated : XX/XX/XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$8500.00} Highest Balance : {$5500.00} Late Payment Date : XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Number XXXX XXXX **Amount : $ XXXX **Date of Account : XXXX
Product: Money transfer, virtual currency, or money service

I took a small loan from MoneyLion. As I pay back, I've earned something called XXXX. Right now, I'm eligible for {$250.00}. I need to add my debit card that's also associated with my checking account, which they already have. Every time I try to add my debit card to the My Wallet feature, I get a message saying that my bank is declining my debit card. They are not. They've relaxed my card & put a merchant release on it as well. They keep suggesting getting another debit card ( my bank will not issue me a second card for the same account ) or open their XXXX XXXX accounts & do direct deposit with them. I have been with my bank for XXXX XXXX & not about to change it. There was one day last week where my card was accepted. The next step was to upload a photo ID & when I did, they said I needed to do it again. But ... ..my debit card had to be deleted from My Wallet & entered all over again. Guess what? Back to square one. This whole thing is like dangling a carrot in front of a horse but not letting the horse have it. There's {$250.00} I'm able to have but unable to access. There has been one person there who has been trying to help me, but I'm at my wit 's end. I'm paying the loan, they're charging me a monthly fee but unable to add my debit card to my account..
Product: Credit card or prepaid card

I am trying to close a Bank of America Credit Card. There is no way to do so through the website. When I called the customer service number on the back of my card, I was on hold for 55 minutes before a rep answered. I was then transferred to a different rep who could not resolve my issue. 

Furthermore, I had signed up for recurring payments. I canceled recurring payments several times beginning three months ago. Bank of America continues to withdraw {$400.00} per month including on XX/XX/2018.
Product: Mortgage

In XX/XX/XXXX I received a Modification on my home with XXXX XXXX that did not lower my Mortgage enough to help make payments affordable.I had to find more work since I am on Social Security XXXX.I made all monthly payments even though some were sometimes late. 
In XX/XX/XXXX I was granted a Disaster Forebearance for 6 months because my work was affected by the Hurricane. The Forebearance was extended an additional 6 months because my financial situation had not been resolved. 
In XX/XX/XXXX I applied for another Modication to include the money owed during the Forebearance but was denied for all programs. 
I was told by SETERUS INC that I could not make the XX/XX/XXXX payment because it would not be accepted until the months owed during the Forebearance were paid.I have applied for HOME SAFE GEORGIA to pay the arrears and am awaiting their decision. I informed the Mortagage Company of this. 
I have been in frequent contact with the SETERUS INC to keep them informed of the status of the application but was told on XX/XX/XXXX that I received an INTENT TO ACCELLERATE in XX/XX/XXXX DURING THE FOREBEARANCE that is still active and they could start FORECLOSURE. 
I AM IN FEAR OF FORECLOSURE.
Product: Mortgage

I have had ongoing problems attempting to modify my loan. I have mailed in the documents several times- but somehow some documents were received- but other documents were missing, although they were sent in together. I filed a complaint and in XXXX was assigned to a rep to help me with the process. The sam thing has happened, I send documents in, but Rushmore tells me to resubmit a document bc they sent me an old version etc. They never seem to have all my documents, I have to remind them and reference when they were received. It is so unclear and I am having a difficult time hearing back from anyone. I was denied for missing documents, which I sent over & over and for a XXXX from that they made an error in the one I was sent. The rep would ask me to send in on teh spot, but some documents I could not bc I mailed them in, such as statements, that I could not print. I do not have access to a printer that is mine to use. They have requested the same explanation over and over about my business taxes in writing, I send it in and they confirm it received and then as for it again. My rep emailed me and said that I need to contact him urgently, FOUR days asking for the same document again. I emailed and called back, it has been over a month, no reply. While I am working with the rep on my modification & turned in all REQUESTED docs, I am served w a notice of default and put in foreclosure. I ask the rep about a National Disaster forbearance, because my place of employment/residence were in a declared national disaster area inXX/XX/2018 & he has no idea what that was, how to go about it, if I could apply or not. I know this is confusing, but that is why I am so worried. I feel like I am getting the run around.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two accounts associated with XXXX XXXX that have been erroneously reported on my credit report. Not only are these accounts not mine, but they have also been sold to a third-party debt collector. Despite this, XXXX XXXX continues to report and attempt to collect on these accounts, which is a clear violation of the Double Jeopardy Rule and a breach of my rights under the Fair Credit Reporting Act. These accounts, although originally from XXXX XXXX, and have been sold to a third-party debt collector. Therefore, XXXX XXXX XXXX and Transunion continued reporting and collection attempts on this account constitute a violation of my rights.
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 items ( A ). It is not permissible to fail to validate these reporting items 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
Product: Money transfer, virtual currency, or money service

My PayPal account has been permanently banned. After the funds in the account have been retained for 180 days, I received a withdrawal email notification from PayPal, but I was unable to add a bank account for withdrawal. I also contacted PayPal customer service many times, but the problem has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my husband and I got a divorce. Per speaking to a XXXX XXXX representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. 

I have contacted XXXX XXXX and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. 

My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting.
Product: Credit reporting or other personal consumer reports

I tried to dispute XXXX XXXX XXXX and was never able to dispute it by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate and the date last reported is not accurate, this is ground for removal. they also violated my rights under 15USC1681 section 602A. states I have the right to privacy.15USC1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions. also the credit bureas took more than 30 days to complete my investigation which is clearly against the laws and against my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I and my family would like to purchase a home. I haven't moniterid my credit before. There are ample amount of accounts and inquires that do not belong to me. Please remove them. 

Thank you
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

As a customer of Wells Fargo Bank for 6 years I applied for a Cash back credit card. On the application form I filled out my details as suggested and gave all my information. I was denied a credit card on the grounds that I was not a citizen or a green card holder. Upon inquiry I found out that as a resident Alien on an XXXX XXXX that the bank ran a credit check and denied me a card but nowhere on the website does it mention that only citizens or green card holders can apply. I Asked the bank why it was not mentioned on the form and why no banker would mention it? They said it was against Federal Law to to discriminate people while applying. This is misinformation because people apply but they do n't meet the standards for qualifying. So this is a violation of Federal law indirectly and it is discrimination. No other bank would deny me a card based on my citizenship. As long as I have a social security number and a good credit score that should be all the the Banks need. Do look into this matter as Wells Fargo is very discriminatory as to who they provide credit too. I am a resident Alien legally working and paying my taxes and bills on time. I should not be denied basic Banking services based on my citizenship. My credit score took a hit because of misinformation.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX -BALANCE {$430.00} Unauthorized inquiries XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Im writing this mainly due to the fact my care credit app popped up to send an automated email that they filled out asking to keep using care credit. 

I just want to put in a complaint on their predatory deceptive act of how they trick you into thinking you paid off a promotional balance when you actually dont and end up with a lump sum of interest. 

I had thought I made a promotional balance payment, due to how the app was designed and how I got an email congratulating me on paying off this promotional balance. I was pretty happy being it was paid off a month early. 

Well, partly my mistake I wasnt reading my statements just making my payments. I had looked at my statement this month, so see I had paid {$400.00} in interest and thus investigated. Turns out this balance was never paid. When I reached out to the company and explained, they said I never requested an allocation payment by phone call. They refuse to help because my statements had said that the balance was due, and again part my fault for just making the payments on time and not reading the fine print Maybe Im just XXXX but its really XXXX when you are pushed into signing up for this card and theres probably 10 million things 8 signed and agreed to, but it doesnt feel fair as it is pushed at a time when it is harder to think and youre worried about your medical situation not reading information on the XXXX interest if paid off in full care credit card youre signing up for. 

I would have done better to look into other options, or I may have at the time even qualified for government assistance that didnt seem necessary because the care credit card had me covered! 

I was able to afford to pay off my card and vow never to use it again, but I can only imagine the incredible amounts of debt others could get into and be hard to get out of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and transunion has a dismissed bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accuraste. I would like to exercise my ights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... XXXX rep and I call XXXX  on a conference call and they confirmed it was not there..on XX/XX/2020 XXXX  removed the bankruptcy then on the XXXX put it back on my report without prior notice which is violation of the FCRA in which they have to notify me with in five days in writing of the reinsertion. I respectfully ask that you investigate they actions and have them follow proper protcol and remove this dismissed bankruptcy from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report and noticed several non mailable addresses and other incorrect personal information. To ensure I receive all mail from the XXXX XXXX XXXX, heres my corrected address XXXX XXXX XXXX XXXX, GA XXXX as all others are not reportable as per the FCRA, since they are inaccurate. I do not desire a phone number be listed My name should also read : XXXX XXXX XXXX, My Date of Birth is : XXXX My employer is : XXXX XXXX XXXX My Social Security no. : XXXX Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

XXXX XXXX XXXX
Product: Debt collection

Rent Recovery Solutions continues to report to all XXXX credit bureaus that I have an outstanding balance of {$1700.00} owed to XXXX XXXX of XXXX. However, I settle this account with XXXX XXXX ' attorney XX/XX/XXXX. I have made repeated requests to XXXX XXXX XXXX to properly update my credit report, but they refuse to do so and continue to ask me to pay them money I no longer owe.
Product: Debt collection

Called by collector XXXX XXXX [ with GLA Collection Co. ( XXXX ) XXXX ] about medical account for XXXX  XXXX due to inpatient admission of my daughter, XXXX XXXX ( admitted XX/XX/XXXX - XX/XX/XXXX ). He advised that bills were returned as bad address. We discovered the bills were being sent to zip code XXXX instead of XXXX ( these locations are approximately 400 miles away ). I advised that I would be happy to pay the bill, but required an itemized list of charges to satisfy records requirements for my Health Savings Account. He said he would send them to me, although to date he has n't. However he advised that unless I paid now, this would be reported to my credit file. I told him I need to review the bills and since they were sent to the wrong address at no fault of my own, I am not delinquent. He insisted that unless I paid immediately, my credit would be damaged. He told me he had been working in this industry for 25 years and was certain I was at fault and even if I disputed, it would n't leave my credit report. He then proceeded to inquire about my employer. I contacted XXXX XXXX and took care of the matter with them, paying the bill in full.
Product: Checking or savings account

i am writing file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX 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 writing to formally request the removal of a late payment remark on my account, which has significantly impacted my creditworthiness. Since that time, I have taken considerable steps to ensure that my payments are made promptly. I have always valued my relationship with these accounts and have otherwise maintained a good payment history. This isolated incident does not reflect my usual financial behavior and commitment to fulfilling my obligations. 

The presence of this late payment remark is continuously hurting my creditworthiness, affecting my ability to secure loans and favorable interest rates. Given my overall positive payment history and the specific circumstances surrounding the late payment, I kindly request that you reconsider and remove the late payment remark from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX, is reporting my account for the month of XXXX, 2019 90 days late on my XXXX, consumer report and a 120 days late for the same time on my Equifax, XXXX consumer report. This error is causing the student loan accounts to report negative.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$580.00}, XXXX XXXX XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXX {$670.00}, XXXX XXXX XXXX {$19000.00}, XXXX XXXX XXXX Balance {$250.00}, XXXX XXXX Bank SS Balance {$9000.00}, XXXX Balance {$600.00}, XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX of XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX