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

Equifax continues to say they are still verifying through this company which is incorrect and untrue. I also received information from Equifax advising XXXX is reporting correctly and that is untrue. They were REMOVED from my report on XXXX/XXXX/XXXX and placed back on XX/XX/XXXX. Now XXXX is BACK ON MY CREDIT REPORT. The accounts were disputed, but they will not do any investigation about these issues. Per The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. According to FCRA 611 ( 15U.S.C 1681I ) Certification of accuracy of information. if any information has been deleted from a consumer 's file, the information may not be reinserted by the consumer reporting  agency. if any information has been deleted from the consumer 's file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This has not been done AT ALL. The credit bureau has not verified any information nor did I receive any documents that XXXX would be placed on my file let alone reinserted. Please review and help me get the resolution that is justly needed in order to clear my name and my credit.
Product: Debt collection

This agency contacted me by phone on or about XX/XX/2023 about a debt I have no knowledge of and do not owe. I advised this verbally and was assured I would receive documentation by mail. To date, I have not received any documentation of the alleged debt. Furthermore, I sent the attached letter on XX/XX/2023 and have not received a response. Despite the debt being in dispute and completely unverified, it was reported to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was in forbearance with XXXX while my ex-wife went through Chapter XXXX bankruptcy. She closed her file in XX/XX/2018. 
On XX/XX/2018 I got notification of a payment due by XX/XX/2018. 
XXXX reported to all creditors today that the account is 120 days past due, causing my credit score to significantly drop. Not sure how this can be 120 days past due when I didn't even get notice of a payment due until yesterday, and the due date is still 10 days away.
Product: Debt collection

Received a text message from XXXX ( XXXX ) XXXX on XX/XX/XXXX @ XXXX. The text message said, XXXX XXXX, this is Central Portfolio Control Inc . Please contact our office at XXXX or online at www.paycpc.com using your AGENCY ID : XXXX This communication is from a licensed Bill Collector. Thank you. Text STOP to unsubscribe. 

I ran a credit report and it shows that I have XXXX accounts in collection. I have no loans as they were fully paid off. I have XXXX credit debt as they are paid off. Have no clue why Central Portfolio Control Inc is contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB has several inquiries listed on my credit report dated XXXX/XXXX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not know what these are for as I recently went through chapter XXXX bankruptcy and have not applied for any credit except for a car loan through my bank. I did have power of attorney for my stepdad and mother, including their legal finances, and I shared an account with them. I am wondering if somehow these inquires where made by them for their accounts without my permission. They both passed away last year in XXXX so I have no way of knowing, but I do not have, not have I had anything with Chase bank since the bankruptcy. I asked about these and was told they would not remove them. If I did not make the inquiries with my permission or knowledge they were being made, then how is that right?
Product: Student loan

The Navient Company was served with a Cease and Desist letter on telephonic communication dated XX/XX/2023 in which they had violated numerous times. I have the documentation that displays this.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX ( XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX. My Direct Express card was stolen on XX/XX/XXXX and the pin number was changed, since that day I can't talk with any representative of this bank throughout the XXXX line. After been waiting for more than one hour they hang up the phone on me. Bank menu has no option to talk with costumer service. It's not the first time they delay my card for at least six months letting me on the street withouth money even after complaining in the social security twice. I'll appreciate if you take care and send me a new card as soon as posible in order to use my money the way I deserve. 

Thanks, XXXX XXXX XXXX SSecurity XXXX Adresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mailing adresses XXXX XXXX XXXX Fl XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 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: Checking or savings account

XX/XX/XXXX : Opened Capital One {$100.00} Checking Bonus. XXXX promo code entered into appropriate field in application. Promo valid from XXXX Use promo code XXXX in application, and Spend at least {$300.00} with debit card within 90 days of account opening. Bonus will post to your new 360 Checking account within 60 days after your 90-day spend period ends. 

XX/XX/XXXX : Completed {$300.00} spend XX/XX/XXXX : Called Capital One customer service agent XXXX, Employee ID : XXXX. Reference code for call : XXXX Regarding bonus not being awarded within stated time frame. Representative stated I completed all the requirements for the bonus.
Product: Credit reporting or other personal consumer reports

Per the attached, I disputed account with Experian due the accounts are not mine. I asked for verification information for the accounts but the information was not furnished.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute a late payment notice I recently received regarding my credit card account # XXXX XXXX XXXX XXXX. As a diligent cardholder, I have reviewed my records and found discrepancies that I believe warrant further investigation under the provisions of 15 USC 1666b of the Truth in Lending Act. I received a notice indicating that my payment for the billing cycle ending on XX/XX/2023 was received after the due date. However, upon reviewing my records, I found that I made the payment on XX/XX/2023, which was well within the grace period specified in my cardholder agreement.

Enclosed with this letter are copies of the following documents for your review and consideration : A copy of my credit card statement for the billing cycle ending on XX/XX/2023, clearly indicating the payment made on XX/XX/2023. 
Proof of payment confirmation, such as a bank statement or transaction receipt, verifying the payment date.

Based on the information provided, I respectfully request that you : Conduct a thorough review of my account and acknowledge the receipt of the payment made on XX/XX/2023. 
Correct any inaccuracies in your records that led to the issuance of the late payment notice.

Provide me with a written explanation of the findings of your investigation and any adjustments made to my account.

Furthermore, as per 15 USC 1666b, I would like to request that any negative reporting to credit bureaus resulting from this dispute be suspended until the matter is resolved.

I appreciate your prompt attention to this matter and expect a timely resolution within XXXX  days of the receipt of this letter, as required by law.
Thank you for your cooperation in resolving this dispute. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above. 
Sincerely XXXX XXXX [ Enclosures : Copies of credit card statement and proof of payment ]
Product: Credit reporting or other personal consumer reports

Firstly, I want to stress the vital importance of adhering to FCRA Section 602 ( 15 USC 1681 section 602a ), which underscores the duty of consumer reporting agencies to maintain fairness, impartiality, and an unwavering commitment to safeguarding consumer privacy. Additionally, I firmly assert my rights guaranteed under 15 USC 6801, which ensure that my personal information is protected by financial institutions acting as suppliers of data to credit agencies. I have expressed directly to these companies that I would not like my non-public information shared.

My primary concern revolves around the sharing of my information without explicit written consent. FCRA Section 604a ( 2 ) explicitly dictates that consumer reporting agencies are only authorized to provide reports upon receiving written instructions from the consumer. I do not believe I have given any consent to share my personal information and I hereby retract any implicit or verbal consent previously extended to entities like Equifax, XXXX, XXXX or other information furnishers to credit agencies. 

The reporting of adverse items without proper authorization is deeply troubling. According to 15 USC 1681C ( a ) ( 5 ), it's explicitly prohibited to report adverse information without explicit permission. It seems this regulation might have been violated, necessitating immediate attention and corrective action. Evidence of multiple items that are marked derogatory.

Moreover, the breaches of reporting laws outlined in 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e cast significant doubts on reporting agencies ability to uphold reasonable procedures. These infractions severely undermine the trust and confidence that should be placed in the accuracy and integrity of reported information. 

Lastly, I formally exercise my right to opt out of your reporting services here with CFPB as witness, as provided by 12 CFR 1016.7. It's imperative that my opt-out request is promptly acknowledged and actioned upon with the immediate removal and deletion of all stored data involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX Balance : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

My FHA mortgage has been in forebearance due to member of the household being affected by the pandemic. I have been trying to reinstate my mortgage since XX/XX/2021 with a COVID 19 no doc partial claim. Mr Cooper has refused to evaluate my FHA loan for COVID 19 loss mitigation instead insisting I apply for a regular loan modification, or regular partial claim that requires extensive documentation and waiting for an approval. I have submitted updated ML XXXX as proof I qualify for a no documentation COVID partial claim. I have stated I have the ability to resume my regular payments and I live in the home. I never applied for or was approved for a government trial payment plan. ( A TPP is not required by the cares act ) Mr Cooper is refusing to follow the laws governing The handling of FHA mortgages. As set out by the cares act and updated ML XXXX. They also seem to be engaging in punitive retribution against me for complaining, through increased aggressive collection, and inaccurate reporting of their activities.
Product: Credit card

Synchrony Bank XXXX credit card has overcharged interest to my account for XXXX consecutive months. Each month I contacted the bank to inquire about the fees, in total XXXX times I called, XXXX of which I was on the call for XXXX minutes with a supervisor with no explanation. " We're going to research this more. We'll credit the account if we see an overcharge. '' I called XXXX times on XX/XX/year>, once on XX/XX/XXXX, and 3 times on XX/XX/XXXX. 
In XXXX I was charged {$33.00} on a {$500.00} unpaid balance with an XXXX of 26.49 % In XXXX I was charged {$83.00} on a {$2600.00} unpaid balance. 
In XXXX in was charged {$78.00} on a {$760.00} unpaid balance. 
As well as Synchrony did not issue my rewards of {$63.00} for XXXX statement.
Product: Debt collection

I had a credit card with XXXX. I paid it off in XX/XX/XXXX. Cavalry Portfolio is still showing this on my credit report. It has a date of XX/XX/XXXX. I have repeatedly asked them to correct, but they have not.
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX XXXX, XXXX XXXX, XXXX, California XXXX. I am a client ( Client Account : XXXX XXXX ) of the crypto currency exchange, Payward INC. ( XXXX XXXX ),  XXXX XXXX XXXX, XXXX, California XXXX ; that does business in California as crytpcurrency exchange ; Kraken, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, California XXXX. 

On XX/XX/XXXX, I am the owner of XXXX EOS tokens ( worth on that date, {$8500.00} ), an Ethereum ( ETH ) based XXXX token. XXXX tokens are only abled to be sent to and from using the ETH block chain. Kraken utilizes unique crypto currency wallets addresses to track the deposits and withdrawals for the ETH and EOS tokens. 

On XX/XX/XXXX, EOS social media reported that the holders of EOS tokens would receive free airdropped tokens for each EOS token they own, and that the free airdrops would occur on or about XX/XX/XXXX. The EOS related information explained that in order to receive the free airdrop tokens your EOS must be held in a ETH wallet address before the XX/XX/XXXX deadline. On XX/XX/XXXX, I sent XXXX EOS to my Kraken ETH wallet address in order to obtain the free airdrop tokens. 

After my XXXX EOS was sent from XXXX  ETH wallet address ( XXXX ) to my Kraken ETH wallet address, ( XXXX ), Kraken did not did not credit either my Kraken ETH or EOS wallet addresses with the XXXX EOS tokens ( my digital currentcy property ) that I had sent on XX/XX/XXXX. 

On XX/XX/XXXX, after waiting for Kraken to credit my EOS or ETH wallets with my missing XXXX EOS tokens, I submitted a Kraken support ticket, ticket number XXXX, requesting a credit for my missing XXXX EOS tokens. After submitting my support request I did not hear anything back from Kraken. I also found out afterwards that Kraken does not support the free EOS airdrop tokens because the exchange does to provide the private keys for their exchange wallets, and therefore I was not able to obtain any of the free EOS airdrop tokens. 

I have emailed Kraken multiple times over the last two months, and to date, I have not received any resolution about fixing this matter, or a provided with a status of when they will either credit my Kraken ETH/EOS wallets that they are going to provide me with compensation for my missing XXXX EOS tokens or about giving me compensation about the {$8500.00}, the value of my tokens at the time, that they are withholding in the EOS Contract deposited to my Kraken ETH wallet, XXXX. 

I have the EOS token Tracker that shows that on XX/XX/XXXX, XXXX EOS tokens where sent from this ETH wallet address, XXXX, and sent to my Kraken ETH address, XXXX. 

I also have the ETH event txt logs that show when the transaction was conducted, ETH block number XXXX, and the EOS token holder from contract number, XXXX, that shows XXXX EOS tokens was sent to my Kraken wallet address : XXXX.
Product: Credit reporting

This company said they would remove the false account from my credit report,,, they did not do it
Product: Mortgage

Attached you will find the mortgage note that NJ Lender has used to place a lien on my house. NJ Lenders sent me back the " Cancelled of Record '' of my original XXXX purchase XXXX XXXX XXXX XXXX  mortgage that was thought to be paid off by NJ Lenders. I have tried to sell my house and have had many deals fall through because buyers became suspicious that I did NOT has a Satisfaction of Mortgage, No Lien Release and no Discharge of Mortgage to prove that the original XXXX purchase XXXX XXXX XXXX XXXX was paid off and not just voided. 

I need to get a financial statement of the mortgage pay-off to calculate interest and other costs accurately. 

I never received a loan payment from NJ Lenders as per contract and need to know who was paid when so everything can be paid out fairly for both parties. 

Who was paid from the XX/XX/XXXX refinance and where can I get the proof of payment so we can conclude this matter. I detest playing pen-pals but I need to get to answers ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX  Equifax XXXX XXXX XXXX XXXX, GA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.
The following inquiries are related to none of the aforementioned permissible purposes.
XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX, XXXX XXXX  Inquiry fromXX/XX/XXXX, XXXX XXXX-fla Inquiry from XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

A/c # XXXX I took loan from alley auto but i was asked to pay 1 ) {$8600.00} instead of XXXX remaining balance to pay off the car loan requested extension but still charged high interest payment from XXXX to XX/XX/2020 {$8600.00} even with the Federal government Moratorium to grant extension on loan so I paid {$1800.00} two days ago 2 ) denied password reset and systematically took advantage of me 3 ) tried to resolve the payment dispute but the staff was not helpful instead harassed and mistreat me me to pay off the loan so please forward this issue to civil suit lawyer or Federal watch agency for corrective measure or lawful action