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

To whom it may concern : I am disputing an inaccurate late payment reported on my credit report for the following accounts : XXXX XXXX XXXX XXXX Account number : XXXX Creditor Name : XXXX Account XXXX Date of Reported Late Payment : XX/XX/year> Creditor Name : XXXXXXXX XXXX Account XXXX Date of Reported Late Payment : XXXX, XXXX, XXXX, XXXX XXXX, XXXX Creditor name : XXXX Account XXXX Under 15 U.S.C. 1666b, a creditor can not treat a payment as late unless they send the required statement at least 21 days before the payment due date. I did not receive the statement in time, and my payment should not be marked late.

In addition to 15 U.S.C. 1681a ( 2 ) ( i ) and 15 U.S.C. 6802 I request that you complied with this law Correct or remove the late payment from my credit report.

I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed.

I trust that you will take this matter seriously and resolve it immediately. 

Sincerely, XXXX XXXX
Product: Debt collection

I received an alert from my credit report from that a new account was opened in my name but I've never heard of XXXX XXXX XXXX. They came up on.y credit report and I want to dispute and find out who and what this company is and why they are reporting to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$3.00}, XXXX ; XXXX XXXX  Balance : {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three DEPT OF VETERANS AFFAIRS XXXX is incorrectly reporting late payments on my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am disputing inaccurate personal information on my credit report based on the following legal violations : XXXX. FCRA ( 15 USC 1681 ) Violations : Section 1681e ( b ) : Failure to maintain accuracy Section 1681i ( a ) ( 1 ) : XXXX investigation requirement violated Section 1681i ( a ) ( 5 ) : Failure to delete inaccurate information 2. Privacy Act ( 5 USC 552a ) Violations : Section 552a ( e ) ( 5 ) : Maintaining inaccurate records Section 552a ( d ) ( 2 ) : Denying amendment rights Section 552a ( b ) : Unauthorized disclosure XXXX. CFPB Regulation Violations : 12 CFR 1022.42 ( a ) : Failure to maintain reasonable procedures 12 CFR 1022.43 ( e ) : Inadequate dispute investigation CFPB Bulletin XXXX : Investigation timing requirements not met The only accurate personal information is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Birth : XX/XX/year> Current Employment : Self Employed Previous Employment : XXXX Any other variations of my personal information are incorrect and violate these statutes and regulations
Product: Credit reporting

Law enforcement Systems is reporting each charge as a separate account. They have negatively affected my credit report by XXXX points. They have charged my credit report over 10 times! I know they are doing this to have maximum negative effect but please have them correct this. Also, I am disputing the amount of each toll violation. They are charging over {$100.00} for each violation. They are currently being sued under a class-action law suit for charging excessive fees. I am in the process of buying a home and I do n't want this to prevent me from getting a good interest rate. I am willing to pay fines but not {$100.00} for each toll violation which the original toll fee was only $ XXXX {$10.00}. This is a private company setting these fines for a government agency. Please have them reduce the fines to a reasonable amount and have them remove all these charges. Again, I am willing to pay the fines but not {$1000.00}. These practices are illegal and absolutely immoral, i ca n't understand how no federal agency has n't investigated this company. Also, since they have violated the FDCPA, i want them to pay for each violation, which is {$1000.00} each. Thanks! 

-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple letters to resolve this issue to Equifax. First letter was sent in on XX/XX/XXXX, second letter was sent XX/XX/XXXX. Prior to that I have sent in multiple letters and have made multiple calls and still have not had any response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

{ Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law
Product: Money transfer, virtual currency, or money service

I want to get paid for my damages my kids pictures and my hacked emails and no one tells me nothing yet. For my bashed name
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX XXXX XXXX : {$270.00}
Product: Credit reporting or other personal consumer reports

My credit reports are displaying inaccurate information for all three major credit bureaus for The XXXX XXXX account showing the account status as bad debt when the account should display paid as agreed or payment plan pp. This account is not bad debt and in actuality is being paid as greed. The account balance is XXXX! XXXX shows there information for this account as charged off as bad debt, showing a balance of XXXX, which needs to be properly updated as paid as agreed. Experian displays the XXXX XXXX account as unpaid, and a balance of XXXX, which needs to be updated as paid as agreed including false updates with this report. Also, XXXX displays the information on this account as Charge off, with a balance of XXXX which the account status should display paid as agreed. The report date is referencing XX/XX/XXXX. I have paid on this account as of XX/XX/XXXX. The debt was sold to a lawyer could possibly be an impersonator of a lawyer for XXXX XXXX. XXXX  XXXX has sold their rights to this debt and should not be able to provide information upon an account they no longer have ownership of. I have been making payments on this account since XX/XX/XXXX. By law my credit reports should be updated to show that I am not negligent. The current balance on this account is XXXX and my utilization should not be 97 %.
Product: Mortgage

PNC Mortgage raised my escrow amount without submitting a new escrow analysis, in violation of 12 CFR  XXXX. No taxes or insurance premiums have changed, so I believe the change is in error. I have called customer service about this twice on XX/X/17 and received contradictory explanations from the two customer service reps. I then asked to speak to a supervisor, and was told none was available.
Product: Debt collection

Here another debt collector I am not aware of, I do not have a contract with the collection company or anything type of agreement, can understand why company are so easy to pull collection on consumer credit report. It also looks fradrulant trying to collect on a non-existent account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted requests to have an inquiry to be removed from my Experian Credit Bureau report ... .no response from Experian . I will attach the letter with this complaint.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. The records I'm disputing, which stem from this identity theft nightmare, have no basis in reality. They don't correspond to any transactions I've authorized or any legitimate financial activities. It is beyond frustrating that my previous attempts to resolve this matter have fallen on deaf ears. Enough is enough. This is not a mere inconvenience ; it's a blatant violation of my rights and a severe detriment to my financial standing. I demand, in no uncertain terms, that you promptly take action to obliterate any information in my credit report that originated from this heinous act of fraud. The urgency of this situation can not be overstated. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a serious concern regarding my credit report. Despite previous successful disputes and removal, several unauthorized hard inquiries have been reinserted into my credit report without my knowledge or consent. This is not only distressing but also a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ) ( ii ).
Product: Credit card or prepaid card

Re : Synchrony Bank who underwrites Lowes XXXX XXXX credit cards. 

I unknowingly overpaid my account in XXXX by submitting the payment twice. No one told me that I had a credit for {$1800.00}. I found out the beginning of XXXX on my OWN. I received NO billing statements notifying me of this overpayment. 

I called the customer service number on XXXX. They subcontract their call center to another country. I get to hear roosters crowing in the background repeatedly. The woman assured me I would get my money via check within 10 to 14 business days. Nothing. 

I called again today XXXX I explain the situation again. Of course, there was no record of my call! Probably wasn't documented because she heard nothing of my conversation due to the cockle doodle doos in the background. I am now told to wait an additional 10-14 BUSINESS days a day the overpayment refund can not be expedited.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXXXXXX XXXX 
Account XXXX Account name : XXXX Bankruptcy Account XXXX Account name : DEPT OF ED Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights XXXX XXXX U.S.C 1681 section 602 A states I have a 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 and any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have take Kohls credit card and due to not receiving the monthly payments letter and no email notifications I have 60 days late payment negative report on my credit report. This caused issue on my credit file and being a negative remark on my Lenders on my mortgage application Kohls Charge card type Amount : {$150.00} Late payments : XX/XX/21 and XX/XX/21 Request : To see if this report can be disputed and see if negative marks can be removed from my reports.
Product: Mortgage

Complaint is to address Well 's Fargo 's ( WF ) UNLAWFUL FORECLOSURE & DISCRIMINATING decision re XXXX/XXXX/XXXX auction of my property at XXXX XXXX XXXX, XXXX, CA XXXX. Sold $ XXXX/valued at $ XXXX/owed {$290000.00}. WF failed the California Homeowner Bill of Rights by not assigning a POC prior to auction on how I can qualify for re-modification. DISCRIMINATION : Day before the auction WF had receipt of Buyer 's Contract ( RPA ), HUDI, XXXX printout, house listing agreement & did n't contact Realtor to discuss further. My Realtor was denied this sale for her livelihood & sale could have been delayed 30 days for XXXX document needed per WF. WF rejected Realtors house offer & disregarded at age XXXX, that sale would replenish my depleted & penalized 401K used to keep mortgage current after my XX/XX/XXXX layoff. My realtor showed how I did quality to make mortgage payments. WF failed to assign a POC & I was the liason between WF XXXX XXXX Attys office & WF corp. office because phone number for mgr " XXXX '' was not permitted, always a different WF Rep for each call. I was repeatedly told a job & paper-trail was required for a re-modification & my realtor showed me that my social security, renters & family assistance qualifies me. WF emphasized I needed a JOB and PAPER TRAIL since I had neither, assumed I did n't qualify. WFs response to the first CFPB complaint was that her research was to determine if WF handled the foreclosure wrong, not to freeze the sale. I want my house back after my Realtor educated me on how I DO QUALIFY FOR A RE-MODIFICATION without employment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices ; which, violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving me vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX at my previous address in XXXX, nj. I had never been late or missed a payment. After a little over a year of having the service, we decided to put our home on the market and relocate to another city within the state of nj. I contacted XXXX to explain that I needed to cancel my service because we were moving. The customer service rep suggested I just freeze my account and unfreeze when we move into the new home. I paid my final bill and agreed to freeze the account. Unfortunately, we purchase a preforeclosure home and it took us nearly 10 months to close on the house. Once we actually closed on the house, I contacted XXXX to reactivate the service, but was informed that XXXX XXXX was not available in the part of town that we just brought a home. I was then instructed to return the equipment to a local XXXX XXXX store. I took all boxes and remotes to the XXXX XXXX store in which I was familiar located on route XXXX in XXXX, nj in XXXX XXXX. XXXX states they have no record of this and sent me a bill for {$1500.00} for equipment. I informed them, that I paid every service bill due on time. Every conversation is noted. I have no collection or lates anywhere else. Why would I not return equipment, i no longer can use? Why would i pay {$1500.00} for equipment I no longer use. I have since contacted Experian but to no avail. They seem to side with businesses. In fact, all other credit bureaus have confirmed and deleted this file except for Experian.
Product: Checking or savings account

On XX/XX/XXXX I made a payment of {$500.00} from my savings to my credit account. This payment ( unauthorized ) was doubled totaling {$1000.00} while only {$500.00} went to my credit account. Thus {$500.00} disappeared from my account, no one knows what happened or where that money went. Upon me trying to resolve this through the bank, they took the {$500.00} payment I DID intend to make on XX/XX/XXXX and transferred back into my savings, raising my credit balance, making me at great rest for extra fees, and lowering my credit score. Then I tried calling again to resolve said issue ( s ) and a few days later they took YET ANOTHER {$500.00} from my credit balance to resolve the issue, this one was on XX/XX/XXXX. Again, I DID NOT AUTHORIZE THEM to move any of this money. Now {$1500.00} is coming and going from my various accounts, unauthorized. On XX/XX/XXXX I got an email saying they deposited {$500.00} into my account and that the issue was resolved. THEY DID NOT DEPOSIT THE MONEY INTO MY ACCOUNT. Upon trying to talk to them about this they were rude, unhelpful, not understanding, and upon me asking to talk to a higher up or a specialist, they would transfer the call back to a base level customer service person, in which they would make me explain what Ive explained to now 8 different people within Capital One, been on the phone for HOURS with no help, no information about what happened to my money or why they were going into my accounts and moving money around.
Product: Student loan

I made payments to my servicer MOHELA from XXXX to XX/XX/year> that were not applied to my account because they changed my account number. I submitted a missing payment inquiry on XX/XX/year>XXXX  that they have still not responded to. Ive submitted other requests since then asking about the original missing payment request but they have only responded to those by saying they would respond once its complete. I also faxed documentation and proof of the cleared checks with my bank but they keep claiming they have not received that documentation by fax. There is no email to send this only an upload option however the link does not work in multiple different internet browsers. There is over {$2000.00} unaccounted for. Their website also let me sign up for and set up autopay but then did not debit the funds and said I had late payments. When i spoke to customer service they just said that was weird.
Product: Credit reporting

XXXX Experian and since XXXX 2016 wont remove inqiuries. Stated will take 30 days for banks and institutions to respond. 30 days went by and report has not changed. Called today XXXX XXXX, 2016 and getting same statement that I have to wait 30 days for investigation of inquiries which I have no contract or agreement of service.
Product: Debt collection

I get repeated calls at least once a day. I believe they're not allowed to call more than 7 times a week and I have received more than that which is considered harassment. I have received over 23 calls since the the XXXX of XXXX. Also I believe they can not call before XXXX and they have called before XXXX on XX/XX/XXXX. 
Dates and times of calls : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX and at XXXX XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX and at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX twice in a row XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX at XXXX