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

To Whom It May Concern, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o. I have reviewed my credit report and found the following item to be incorrect : Item : JPMCB CARD Reason for Dispute : I was on a payment plan and they stopped taking payments from me. This payment plan was started during covid and I was severely impacted by the XXXX XX/XX/XXXXand was unable to work or make payments. They charged off my account and sold the debt to various debt collectors who send me weekly mailings requiring I make payment or they will charge me the full amount. 

Attached, you will find copies of supporting documents that verify the inaccuracy of this item. According to the FCRA, this disputed item must be reinvestigated or deleted from my credit report within 30 days. In the interim, I request that this item be noted on my credit report as " in dispute. '' Additionally, I am requesting the names, addresses, and telephone numbers of individuals you contact during your investigation so that I may follow up. If it is determined that the disputed item is inaccurate, please correct my report and send me notification that the information has been updated. I am also requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report. 

In light of the CFPB lawsuit filed against XXXX on XX/XX/year>2025, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. Kindly delete or correct the disputed information within the timeline mandated by federal law. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter.
Product: Student loan

Attempts to reduce a monthly payment are constantly rejected. I 've taken forebarrance a number of times due to unemployment and charges accrued. I 've earned an additional XXXX $ from just trying to hold off loans. The money accrued and now my XXXX XXXX is worth XXXX. XXXX $ was added to my existing loans just like that. Over course of repayment, I will have paid XXXX for this amount, plus additional money from my standard loan balance. I ca n't move on with my life if I keep paying this much. I ca n't afford to invest in a home, let alone a new car. 

Today I was double charged by Navient. I changed my banking information and was told that i need to make a manual payment so that the system verifies the account. I did so. I was affirmed that no auto pay ( scheduled prevously ) would be debited. Today the auto pay was debited and I did not authorize it. It sent my account in overdraft. I 've been paying these loans on time for about 2 years. 

I do not get information I need and it is difficult to constantly talk to poorly trained reps. I feel my money is mishandles and I am paying more than I should due to their collection practices and cloudy information I am given.
Product: Checking or savings account

i opened a online checking acct. with pnc bank for me and my fiance who is in jail. i deposit his life insurance check from his late ex-wife. i deposit {$25000.00} on XX/XX/XXXX. The online banking put a security hold on the check until he can come into the bank. i informed them he is in prison and wont be able to get in until XX/XX/XXXX so i was informed by the online banking i would need to get a POA from my fiance and bring it into the branch. I get the XXXX only authorizing me limited power of attorney to handle all his banking transaction until he get home. I talked to the bank manager on XX/XX/XXXX and she tell me the attorney declined the poa because it didnt contain language of disability. My fiance is not disabled by any means all he want is me to handle all banking needs until he is released from XXXX. Its been 18 days and i have no excess to our account.
Product: Credit card

I was denied my credit 2X by Comenity Bank on XX/XX/XXXX and XX/XX/XXXX. Pursuant to 15USC 1697, it is illegal to be denied my own credit. 

Comenity Bank never sent my denied credit application back to me and they have and continue to accept securities on both account applications that they denied me, which is securities fraud.
Product: Mortgage

In XXXX we received notice from XXXX XXXX that are property taxes were delinquent and home would be put up for sale XX/XX/XXXX. We have consistently paid more than required monthly mortgage payment. Our loan was sold to New Rez LLC prior to first payment but the required monthly payments were the same as our initial paperwork with our bank. I contacted New Rez and sent documentation regarding property taxes. They had only been making payments to escrow to cover home insurance and the approximately $ XXXX tax on vacant lot adjacent to mortgaged lot with home but not on the home lot. ( Taxes are approximately $ XXXX ). New Rez did make payment on delinquent taxes which has now put my escrow account in a huge deficit. I have contacted customer service regarding this numerous times as there is no way my escrow account ( now negative $ XXXX ) will ever have enough funds to make the XXXX property tax payment. Also they are not showing correct taxes due for next year. They simple entered what they paid for delinquent taxes in XXXX as what is due in XXXX. I contacted them regarding this and requested a new analysis over a month ago. Nothing has changed. I spoke with customer service regarding the deficient escrow account and was told I could make a XXXX time payment with Escrow payment noted on check. On XX/XX/XXXX my bank sent a check for {$2000.00} with " escrow payment '' annotated on check. New Rez applied it to my monthly payments- my escrow account remains negative $ XXXX. I have contacted them numerous times- lots of talk no action. I am sick to think I have a XXXX yr loan with them which was out of my control. I would gladly refinance with another company if/when the interest rate is comparable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am so disappointed because this matter has needlessly affected me from getting access to different forms of credit which is I needed the most at the moment. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXI XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to XXXX  that I made 5 late payments XXXX XXXX XXXX XXXX XXXX  ) in XXXX. I did not make ANY payments on XXXX XXXX XXXX or XXXX. I've disputed this INCORRECT information both with XXXX and XXXX with the answer that " that's just how they entered a deferred if not contacted '' I was NEVER notified that I needed to contact XXXX and to this day I still have no ideas as to why I needed to contact them. But it does up on the 9 OPEN ACCOUNTS which should have been consolidated when XXXX bought it from old student loan company. I'm on my 5th different " student loan account owner '' my entire life is affected by this " credit report '' along with the discriminating in every possible way, " background report '' please help amend THIS credit report so I can get a better job and an actual home of my own
Product: Debt collection

The rental company claims we owe them {$9000.00} in move out fees. Items include a full home repainting and reflooring. They claim this despite the fact that we were given a move out report detailing that only touch ups would be needed for painting, and carpet was only slightly damaged in one room. There is no basis here to charge for a full home repainting and reflooring. After keeping the {$2200.00} deposit, this leaves {$6800.00} that they want from us.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the same account was erroneous. The XXXX credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. The account is for {$36.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature  that I have or ever had some contractual obligation to pay them. I was sent a bill on XX/XX/XXXX stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XX/XX/XXXX ). I sent a follow up letter on XX/XX/XXXX informing them that they are in violation of HIPPA and stated that I would file a legal complaint  unless they removed this from my credit report. I have yet to hear back from them
Product: Credit reporting or other personal consumer reports

tried to request my annual free credit report from TransUnion. the Transunion.com site makes me log in over and over, but nothing happens. it will send me the verification code to the registered email, but after I enter the code, it just goes right back to login page. 

searching the web, it appears Transunion.com has been non-functional for obtaining credit reports, accessing one 's account, or freezing the credit report for more than a year. 

they are making it incredibly difficult for a consumer to obtain the federally mandated free annual credit report request. 

Calling their number and after going through a phone bot/maze, and then being placed on hold for an indeterminate amount of time is not acceptable.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2024 Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( 5 ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. Lack of Authority to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting to revoke all communication via Email, Phone calls, or Text. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within 30 days. Thank you for your attention to this matter. XXXX XXXX XXXX
Product: Debt collection

I'm was unaware of this account ( AD ASTRA RECOVERY SERV # XXXX ) and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called Experian And Asked For My Annual Credit Report Like I Do Every Year And For The First Time Ever They Refused Citing That Because I Moved Recently That They Need To Verify My Change Of Address ( Out Of All The Times I Have Moved This Is The First Time They Are Refusing To Let Me Have My Report Based On Me Moving ) I Tried To Give Them My New Address They Again Refused, Gave Them My Old Address And ALL Info For Verification And They Still Refused Saying That Either Need A " Creditor '' To Verify The New Address ) Or Send A Copy Of My Driver 's Licence And Social Security Card Which I Do Not Feel Comfortable Just Sending Through The Mail To And Risking Identity Theft Just To Prove Who I Am, And Them Asking Me To Risk Identity Theft, That Is Just Wrong.Asking The " Creditors '' Would Be Perfect, Please Call The Hospital Where All Bills Originate From ( XXXX XXXX XXXX XXXX XXXX And Ask For Verification Of My Current Address ( You Could Ask The Collection Agencies Also As I Am Sure They Have My Current Address Also ) And Also My Current Address That I Need Experian To Change It To Is Also The Address You Will Be Answering This Complaint To.Thank You.
Product: Mortgage

I have continued to receive harassing phone calls, letters, and threats to my credit for alleged late payments to Rocket Mortgage. I have called repeatedly since XXXX, have had late fees removed repeatedly, and requested that they update their accounting to reflect a current payment status. The company continues to state that I have had returned payments and owe additional mortgage payments. There have been XXXX months this year and I have made a total of XXXX on time mortgage payments which have been verified by my bank and none were returned for non-payment. I have submitted proof to Rocket Mortgage that all payments were processed and they continue to falsely accuse me of missing payments. I have suffered financially due to erroneous late fees, threats to my credit, harassment, and slander from this company. I sought legal advice and the attorney informed me to launch an investigation with this organization. I really need assistance and to hold this company accountable for illegal business practices.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 XXXX XXXX XXXX XXXX
Product: Consumer Loan

I lost my job for several months while I was XXXX. While I ended up finding a job, by the time I found it, I was showing and was offered a much lower salary. I had a car loan with USAA for a XXXX For XXXX that fell behind. I kept in constant communication with them and was told re-possession starts at 90 days. I got paid and was going to pay my loan at 86 days, but when I returned home from work, they had re-possessed my car, 4 days earlier than they said they would. They now want {$550.00} in re-possession fees, and they towed my car into another state, so now I will have to take unpaid time off work, or leave it stored for another 5 days until the weekend again. They refuse to let me speak with a manager or to release my car upon paying my debt in full with the exception of the re-po fees which I do n't feel I am responsible for since they told me I was okay to make a payment before 90 days and it would not go to the re-po department
Product: Credit card or prepaid card

US BANK responding to what they indicate about the delays, I was under the deferment and the extra charges created the whole problem, never claim that this is not my account but that the reports are incorrect because there can be no delay and less charge off if I I am an essential worker and that is why I asked for it
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 Compliant accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX ( OC : XXXX XXXX ) - Account : XXXX Creditor : XXXX XXXX ( XXXX XXXX )  - Account : XXXX Creditor : XXXX XXXX ( OC XXXX XXXX XXXX ) - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 without my written instructions. 

15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX  Case case number is XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) remove from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Prepaid card

I bought a few {$500.00} visa gift cards issued by incomm. Most worked but 3 do not work. I have called for many months starting from XX/XX/year> to activate the cards. But incomm keeps giving me the run around. They are claiming the cards are compromised. I have them here physically. I have emailed them all the documents many times. I have attached the documents here too. But they keep saying to resend the documents to an email address that does not work. 

This email is not valid XXXX. You can try and you will see that it bounces back. 

Please activate these 3 cards XXXX XXXX XXXX I attached pics of the original cards and the replacement cards along with my ID