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

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX - XXXX - {$260.00} XXXX - XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress.

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records.

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Debt collection

Paragon Revenue Group has been repeatedly harassing me. I have contacted them numerous times to settle this debt but they refuse to work with me. They have harassed me at work, told me I need to get a second job, and hung up in my face. They will not work a payment plan out with me despite the fact that I am a single mom working full time while in XXXX school.
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed an order with XXXX XXXX  in the amount of {$6200.00} for a custom sofa and ottoman, with an expected delivery date of XX/XX/XXXX. I received several updates saying my order had been delayed a by a few weeks, and finally on XX/XX/XXXX, I received an email from the CEO stating that the delivery has been pushed to early XX/XX/XXXX. Upon receiving this update, I submitted their XXXX Forms cancellation request since this was much too long of a wait for me, and never heard anything back from them. In XXXX, I received an email from XXXX XXXX, the law firm handling the Assignment for the Benefit of Creditors of XXXX XXXX  ( XXXX ), XXXX stating that anyone who had a claim to file against XXXX XXXX for money lost should do so through them. I filed this claim on XX/XX/XXXX. I never heard any response or received any updates or information as to whether or not I would receive a refund, so I called Discover ( my credit card company through whom I placed the order ) and opened a dispute on XX/XX/XXXX, sending them all of my documentation throughout the last year regarding the transaction. On XX/XX/XXXX I received an email from Discover saying the dispute was rejected and the charge was found valid. At the beginning of XXXX I called XXXX XXXX and asked when there would be an update on the claims filed, to which I was told " XXXX XXXX will post an update on their website on XX/XX/XXXX. No information will come from our office, only XXXX XXXX 's website ''. I have seen no such update on their website and I have not heard anything from XXXX XXXX 's office since then.
Product: Credit card or prepaid card

In XX/XX/2018 American Express claims they sent me a letter indicating they would increase my APR from 10 % to 17 %. 

I have am in good standing, as I have always been with all my creditors. 

I never received the letter, which the manager I spoke with shortly there after confirmed she did not see such correspondence within my account. 

In the following weeks, they provided me with a copy of a letter, which I suspect they doctored, to resemble what they should have sent out. 

Irrespective to the above, I signed up for Paperless delivery of billing statements and account communications, and this so called " letter '' was never within any paperless delivery. 

This is further confirmation the letter was not sent, and fabricated after the fact. 

Finally, because I was enrolled in paperless delivery of billing statement and account communications at the time, I should have received a copy of this via such, in addition to in the mail ( as required by law ). 

American Express has stolen money from me, by dramatically increasing my APR, and not properly notifying me of such increase.
Product: Mortgage

This is a complex issue, and involves multiple factors. First, our home was impacted by a major flood in XX/XX/2008 declared as a national disaster by FEMA 4 years after we purchased our home. We were quickly pushed into a loan through SBA to repair our home without discussing if this was the right financial decision for us. This basically doubled our debt on the home. We did our best to pay the loans, but we had a child at that time as well pushing us further into debt. Regardless of the challenges, we continued to pay the loans the best we could relying on family and borrowing from my Retirement plan and taking on credit card debt. We applied for HARP loans on multiple occasions to give us a break from the high interest rate of the primary mortgage, but were turned down on multiple occasions. We did not qualify for a normal refinance due to the extensive debt we took on. 

We are now dealing with two structural repairs that need to occur on the home that cant be delayed for long, but in the end we want to be able to move out of our home. Our home has depreciated by XXXX, and no bank will lend us additional money for the needed repairs, and our property tax has increased drastically. With all of the factors involved we are 10 years into the disaster loan and 14 years into our primary loan, and still looking at an additional 8 years before we are right side up on the mortgage allowing us to move out. If I take on the additional debt to repair the home without a modification to our loan this will push us over our financial threshold and put us at risk of foreclosure. If the repairs are not made soon, this will put the home at risk of unrecoverable damage. 

We made one last effort to apply for a HARP loan, but no options were offered to take additional money out for repairs, and the bank is quoting XXXX in closing costs. We were denied a short sale, or loan modification by the primary lender, claiming we make too much money to consider. Wells Fargo manipulated figures to skew perspective to make a decision favorable to their company. SBA will not provide any reprieve and has threatened legal action if we foreclose. SBA claims that they evaluated our financial situation when the advised us to go this route, but clearly ignored my wife being pregnant that would lead to significant day care costs. They also lead us to believe this was our only option. Between the two banks I am trapped in a home in dire need of repair that I can't afford to fix or ignore.
Product: Credit reporting

I get an inquiries in my credit report for a company I do n't know. I request this inquiries to be removed from Transunion immediately. XXXX XXXX is not a company I know.
Product: Credit card or prepaid card

The week of XX/XX/XXXX I received a XXXX form from US Bank. It was a suspicious form because it was fairly nondescript, included a withholding amount but not an income/interest amount, and because I do not have an account with US Bank. I have only the US Bank REI Credit card. 

On XX/XX/XXXX I used a phone number I found online for the company, because I did not want to call the number I received on a suspicious form. The individual who answered the call ( the person I initially spoke to ) indicated that I should call the number on the form. I repeatedly told her that the form was suspicious for the reasons listed above and I was concerned about this being a scam. After telling me two or three times that she was " sure I should just call the number on the form, '' only then did she mention that she was not from customer service. I asked her to connect me to customer service. I spoke to a customer service representative who was very cordial who told me that the XXXX was sent out in error and that I would be receiving a corrected one " soon. '' I thanked the representative and got off the phone. 

I proceeded to search for any mention of this error online on the US Bank site or elsewhere to see what standard advice I could find. Nothing was posted anywhere about this issue, even though the representative told me that many customers were affected. 

I received no corrected letter, and became concerned because it is tax season and I need to proceed with filing taxes. On XX/XX/XXXX I called US Bank again. I again spoke with another representative who did not originally know about my issue, but put in the effort while I was on hold to find out. She then came back and said that " only today '' the company had decided that corrected letter would be sent out to anyone affected, and that I should receive one in 7 days. I found this interesting since I was told a month prior that I would be sent a corrected letter. 

To date I have still not received a corrected letter. I believe prompt resolution is important during tax season for an erroneous tax form. To date, there is still no notice on the bank 's online site about this issue or anything that would give affected customers peace of mind.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the following inaccurate and fraudulent accounts that have been reported on my credit file. I am not requesting a reinvestigation at this time, but rather a deletion of these accounts from my credit report. Failure to do so will result in my exercising my right to seek legal action and defend my rights in court, as provided under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. Below are the accounts in question : XXXX XXXX XXXX XXXX, Account # : XXXX, Balance : {$830.00} I have contacted the collection agency and filed a complaint with the CFPB, yet the agency has failed to respond. I question how your agency was able to verify this account. This account is fraudulent and must be removed immediately. 
XXXX. XXXX XXXX XXXX, Account # : XXXX, Amount : {$960.00} This is a medical account, and I have no knowledge of this debt. Reporting this account violates both the FDCPA and HIPAA regulations. Remove this immediately, as I will not file a third dispute. 
XXXX. XXXX, Account # : XXXX, Balance : {$20000.00} I have filed a complaint with the CFPB, and a lawsuit has been filed against the company. You claim to have verified this debt, but I have never received any documentation or proof. Remove this account from my credit report immediately. 
XXXX. XXXX, Account # : XXXX, Balance : XXXX XXXX  This account violates 15 U.S.C. 1681i ( 7 ) ( Method of Verification ) as it was reported without valid documentation. I demand that this account be deleted immediately from my credit report. 
XXXX. XXXX, Account # : XXXX, Balance : {$1400.00} I have never owned a credit card with XXXX XXXX. If you can not provide proper documentation verifying the legitimacy of this account, it must be deleted immediately.

Please ensure that these accounts are removed from my credit report and provide me with written confirmation once the deletions are complete. Failure to do so will result in further legal action. I trust that you will handle this matter with the seriousness it deserves to ensure compliance with the law.
Product: Mortgage

this complaint is against XXXX XXXX loan care. they are the collection arm for our loan. 
Everything was fine until XX/XX/2020. I think that was the point when our 1st was paid off and our ballon 2nd began. for what ever the reason their platform can not handle it. 
as you can see by looking at the attached payment history between XX/XX/XXXX and XX/XX/XXXX we paid them {$12000.00} but instead of the loan going down it started going up. you will also see that {$6000.00} of our money has not been applied to the loan. And to add insult to injury their junk system reported us as late to the credit score keepers, blowing a big hole in the side of our credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Company keeps reporting inaccurate information to my XXXX  credit file. I had a closed / past due account with ford motor credit in the amount of {$1100.00}, account # XXXX. I paid the account off to XXXX $ balance with the collection agency. I received a payoff letter from the collection agency XXXX XXXX XXXX XXXX XXXX. I supplied XXXX  with the payoff letter from XXXX XXXX XXXX and this collection account was finally updated to XXXX  balance and showed the account as paid. 

About 3-4 weeks later, Ford reported a past due balance of {$1100.00} to my XXXX  credit file AGAIN and they listed the account as OPEN. I spoke with XXXX and I was unable to get any help resolving this matter. Now the account is listed as open and shows a past due balance of {$1100.00}. I've disputed this with XXXX  Three separate times. This is my second time reporting this issue to CFPB.

I need help fixing this issue. Ford is bullying me, their customer service representatives refuse to help me. I do not know what to do anymore. I've supplied proof that I paid this account off, and I still can not get this issue resolved.
Product: Credit reporting, credit repair services, 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 some 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 ) ( XXXX ) ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$440.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$1400.00} XXXX  XXXX XXXX BALANCED {$930.00} XXXX XXXX BALANCED {$2300.00} XXXX XXXX  XXXX XXXX BALANCED {$4900.00} XXXX XXXX BALANCED {$7800.00} XXXX  XXXX BALANCED {$3100.00} XXXX XXXX BALANCED {$150.00} XXXX XXXX  XXXX XXXX BALANCED XXXX
Product: Credit card or prepaid card

Capital One has kept my account in a " restricted status '' from the time I first received my credit card. I spent hours with them on the phone, on numerous occasions, to try to get the restriction lifted. I sent them all documentation that they required with no success. I told them repeatedly that I did not want to renew the card and that I wanted to pay any balance and close the account. They allowed me to make a payment and I paid the balance down for everything except the {$95.00} renewal fee, which needed to be removed. They told me they could not remove the {$95.00} renewal fee until my " restriction '' was removed. They are the ones who will not remove the restriction ( for reasons unknown to me ), yet they continue to wrongfully bill me for the {$95.00} renewal fee, and now, penalties and interest related to that fee. My last conversations with them were on XX/XX/21 and XX/XX/21. I sent them a certified letter on XX/XX/21 to set up a written record of what has transpired, and the letter contains further details. I will attach the letter to this complaint if allowed. In addition to the above, I believe that Capital One has probably been making negative comments to credit reporting agencies that will wrongfully impair my credit rating. It is shocking to me that a company like Capital One could do this to a consumer and get away with it. I am hoping that the CFPB can do something to protect me in this instance.
Product: Credit reporting or other personal consumer reports

I recently pulled my 3 consumers reports and seen unauthorized inquiries placed on my consumer report. In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates! I didn't give Experian, XXXX or XXXX written consent to report the these inquiries. 

I also didn't authorize these banks or vendors to furnish this data on my consumer reports. In accordance with the FCRA, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute information on my credit report resulting from the exposure of my personal information during the XXXX  data breach. Under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ], I am asserting my rights to block fraudulent information that may have been added to my credit report as a result of this breach.

The compromised information includes but is not limited to [ specific information such as Social Security number, name, address, etc. ]. This breach has placed me at an increased risk of identity theft, which has already resulted in unauthorized accounts or inaccuracies on my credit file. 

Below are the fraudulent/ unauthorized accounts which I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting inaccurate information on my credit report. XXXX and XXXX has already removed this account from my report. This account was in litigation due to deception and predatory lending practices. On XX/XX/XXXX XXXX XXXX XXXX notified the Court to DISMISS this case XXXX XXXX. On XX/XX/XXXX Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter that they already received. 

Under 15 U.S.C. 1681s-2 ( b ), which requires a creditor who has been notified by a [ CRA ] that a consumer has disputed information furnished by that creditor to investigate the dispute, `report the results of the investigation to the consumer reporting agency, ' and, if any information was inaccurate, report the results of the investigation to the other CRAs. Johnson v. MBNA Am. Bank, NA, 357 F.3d 426, 429-30 ( 4th Cir. XXXX ) ( quoting 15 U.S.C. 1681s-2 ( b ) ). 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report which 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 an account without my written instructions.

This collection account also violated my FDCPA and FCRA Rights under 1681i ( a ) e ( b ). In accordance with the Fair Credit Reporting Act requires only accurate information be reported. A collection agency can no longer report you owe money when a court of law says otherwise.
Product: Credit card or prepaid card

In mid XXXX of XXXX, I got a balance notice text of almost {$700.00}. 
I immediately got online to see what the charges were since I had a XXXX balance for almost a year. NONE of the charges were mine. They were made on XX/XX/XXXX and XX/XX/XXXX, when I was with everyone that had access to my card was with me. I got home from work and the card was put away with in a safe with all my other cards I do not use. I do need to mention that this card expired XX/XX/XXXX and I had not received a replacement card nor did I activate one. I got on the app to file a fraud claim AND I called. They said they would investigate it. On XX/XX/XXXX, I received a letter saying they were closing my case and I still owed {$350.00} because the card had be used with the chip. I called BACK the same day, and opened up ANOTHER fraud case. 
On XX/XX/XXXX, I got an email from CITI asking was a charge mine, it was not. It has another woman 's name AND address on it. So one can assume this is the person who made the charges. I replied back stating this was not my charge and I did not give her permission to use my card. CITI said they would be in touch. The only time they got in touch was to tell me I was past due on my account. Which I WILL NOT pay. 
After nothing from them for months I called back on XX/XX/XXXX and they told me I had to dispute all the charges AGAIN. Then I get a letter on XX/XX/XXXX stating the same as the first letter that I was responsible for the charges. I don't know HOW they used the card when I clearly had it locked up but I did not make the charges. CITI knows who made them and they should go after them for the monthly payment. 
I am at a loss on what to do. Is there anything I can do to save my credit score at this point and get this wiped off. All I can talk to at CITI is data entry people and no one from security will reach out to me for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Experian and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Experian nor XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPT OF ED / XXXX XXXX