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

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS XXXX. XXXX ( {$5400.00} ) Account XXXX XXXX XXXX XXXX XXXX  ( {$2000.00} ) Account XXXX XXXX XXXX XXXX XXXX ( {$640.00} ) Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate late payment marks on my Capital One account that appear on my credit reports from XXXX, XXXX, and XXXX. These late payments were incorrectly reported during the early months of the COVID-19 pandemic when I was provided a forbearance or grace period under the federal emergency mandate. 

Dispute Details : Creditor : Capital One Account Type : [ Credit Card/Loan ] Disputed Late Payments : 30-day and 60-day late marks during the federally mandated stay-at-home period Issue : Capital One granted me a forbearance/grace period due to the COVID-19 emergency, and during this time, late payments should not have been reported as delinquent.

Violation : Reporting these payments as late while a forbearance or hardship agreement was in place violates the CARES Act and the Fair Credit Reporting Act ( FCRA ). 
Legal Basis for Removal : CARES Act ( XX/XX/2020 ) : Creditors were required to report accounts as current if a consumer was granted a COVID-19-related accommodation and met the terms of that agreement.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must provide accurate reporting, and failure to update accounts correctly violates federal law.

FCRA 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to investigate disputes within 30 days and correct inaccuracies.

Requested Action : Immediately remove all 30-day and 60-day late payment marks from my credit reports across XXXX, XXXX, and XXXX for the affected months. 
Update the payment history to reflect the correct status as current during the forbearance period. 
Provide written confirmation of the corrections
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment updated from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for fedloans every year. I had no idea they were filing through XXXX. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay XXXX  {$39.00}. I didnt even have access to my XXXX account till my credit score dropped {$200.00} points and I XXXX XXXX and had to recover my account. If I knew they were just filing with XXXX, I would have done it my self and used the money I was paying them to pay my student loans. I called XXXX and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.
Product: Credit reporting or other personal consumer reports

My account with FXXXX  AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I received a Vanilla gift card ( issued by XXXX, distributed and serviced by InComm Financial Services , Inc. ) with a value of {$400.00} and expiration date of XX/XX/XXXX in XX/XX/XXXX. I tried using the card in XX/XX/XXXX but the card was declined. I called VanillaGift the next day and they told me the card was declined because it had already been used. I had not used this card and the card has been in my sole possession since receipt. I submitted a claim to dispute the transaction and was told it would take up to 60 days to resolve. In late XXXX, I received a letter from " incomm payments '' informing me that the dispute has been closed because " The Payments Network allows recovery efforts to be submitted within 60 days of the date the transaction cleared the account '' and that my claim is outside of this timeframe. Since I had no idea an unauthorized transaction had been made until I tried to use the card, imposing a 60 day timeline is unfair, deceptive, and perpetuates fraud on innocent consumers. For all I know, the company sold the same card to two recipients, as it was all done online.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXXDEPT OF ED The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards,
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have reached out to this company multiple times and I have yet to receive any correspondence in regards to the alleged collection account on my file. I have been able to resolve every other account, however, they will not respond to any of my debt validation request. I have reached out to them on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is the only account on my file hindering my credit growth.
Product: Payday loan, title loan, or personal loan

I have received multiple advertisements over the past month that I was prequalified for a secured loan. I completed the application and was denied because the value of my vehicle. 

I would not have applied if I knew I would be turned down. I'm trying to increase my credit score not decrease it with an inquire that fails to provide any insinuated prequalified loan. 

XXXX XXXX has a XXXX  XXXX dollar law suit for this exact course of business. Where they implied you are prequalified, people applied, their credit scores negatively affected and people did not qualify. 

One Main Financial needs to be aware of false advertising and false prequalification applications. They need to be held responsible for causing peoples ' credit scores to decrease. I spoke with XXXX at One Main Financial in XXXX NC at XXXX.
Product: Vehicle loan or lease

I paid of another members loan that he had with usaa via 3-way call was authorized by owner and lien holder to be sent to my address and was given a power of attorney from the Nevada dmv and noterized at XXXX XXXX  for transferring the title into my name I have not received the title and its been approximately 2 months
Product: Mortgage

We have a mortgage with Ocwen. They sent a letter stating there would be an escrow shortage of XXXX which I paid to keep my monthly payment the same as it always has been. I got a phone call today saying that my payment would be going up even though I paid the escrow shortage. The customer rep said it was due to increases in insurance and taxes but is n't this covered when they did the escrow analysis and made me pay over {$1000.00} to keep my payments the same. When I asked this they said the monthly payment would increase no matter what I did or if I had paid more. Never with any other mortgage servicing company have I had such problems. A yearly escrow analysis is done and if you pay the shortage your payment remains the same. What kind of " cushion '', as they call it are they allowed to keep of my money and STILL RAISE MY MONTHLY PAYMENT.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 16811 ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX 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 card or prepaid card

I had a XXXX credit card limit on my Bank of America card. A XXXX balance I owe. I have been with them since 2008 and never been 30 days late, also re-paid all XXXX balances on time. Just now they made my credit limit exactly what I owe. Damaging my credit report as if I maxed my card to the limit. I have always paid back and never been late, they had no reason to reduce my limit after just raising it. I called the company to complain and she said you do n't have any 30 days late on our records, but we will have to pull another credit report to change it back to XXXX. Why should my credit score go down on an inquiry for a limit I already had? I have an XXXX XXXX with a limit way higher than that.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Reason : THIS IS INACCURATE Account Name : XXXX, XXXX Account Number : XXXX DATE : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX, NH XXXX XXXX Reason : THIS IS INACCURATE Date Filed : XX/XX/XXXX Account name : BROWARDADJUS Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX phone : XXXX Reason : THIS IS INACCURATE Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, ia XXXX phone : XXXX Reason : THIS IS INACCURATE INQUIRY NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX  DATE : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested two of the bureaus to correctly display a credit card and they have informed me that I need to contact the creditor as I have and they have assured me they are correct and reported the information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received a response from the credit reporting agencies on any of my disputes.

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX ; XXXX XXXX XXXX XXXX : # XXXX ; XXXX XXXX XXXX : # XXXX ; XXXXXXXX XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Fair Resolution To this Issue?

Delete These Accounts Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Mohela refuses to send me documents pertaining to my loans they took over in XXXX. I tried to get help by complaining about them online multiple times. The Ombudsman Group for the Department of Education keeps closing my online complaints on studentaid.gov without addressing them! It has been every complaint Ive filed regarding Mohela in XXXX. At least 5 have been filed online. Who are these people that have no empathy or compassion for others? They are NOT doing their job! Since XXXX I have been trying to get help. But most recently, I called Mohela XX/XX/XXXX and requested all of what XXXX sent them when they took over my loans. I was told it would be received in 30 days. As of XX/XX/XXXX I still dont have what I asked for. I called Mohela on XX/XX/XXXX and was told I will have the documents in 2 weeks from today. I called again XX/XX/XXXX today and was told they will send it and it will take 2 weeks. They are not sending my documents. Who can help me with retrieving the payment documentation including all payments made by me and Pell grants received that XXXX sent to Mohela. They are liars and have not mailed what Ive requested 3 times already, with the first being almost 60 days ago! 

Is there a human being that can help me? Please let me know.
Product: Checking or savings account

I was a victim of fraudulent activities and Wells Fargo is refusing to credit me the money back. Scammers were able to go into my account, they transferred {$39000.00} from XXXX of my savings accounts into my checking account and made approx {$19000.00} worth of transactions at a USPS postal service and WF denied my claim. They blamed me for thinking I was talking to a WF agent but I was being scammed and now they deny my claim and refused to pay me back. They basically blame me for believing I was talking to a real agent, but the scammers were using a ghost app and on my caller ID, it read " WELLS FARGO '' with a phone # that goes back to an actual WF branch. I have been through my local PD as well as the postal PD because the transactions were all made through the USPS and yet, WF is claiming that it is my fault for giving my info to the scammers, that I believed was an agent. I had never been through anything like this. I was not aware that I was being scammed. The so called agent, told me about fraudulent activity on my account and while I was on the phone with them, I checked my account and there were transactions that I had indeed not done myself, so I believed them when they called me because the proof was in my face. Little did I know that they did those transactions themselves, to lead me into thinking they were helping me when in fact they were getting ready to scam me for all of my money I had in savings. As i gave them info, thinking they were helping, they broke into my accounts without WF stopping them or showing any red flags and they were able to steal {$19000.00} from me within seconds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX