23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After several phone calls during the month of XXXX to correct my XXXX billing statement, Home Point Financial Corp has yet to correct the accurate balance on my account. I have been making payments via my bank for months but for whatever reason Home Point takes forever to clear the checks. Having recognized what was happening during the month of XXXX I called their office to complain and made an automatic payment over the phone in order to avoid the late fee and was advised to put a stop payment on the check from my bank, which I did. Then, checking in on the XXXX payment I noticed the XXXX payment was never processed and that I was behind for payment. As you can see in the attached from my bank statement, an automatic payment was made to Home Point Financial on XX/XX/XXXX for {$6900.00}. That payment was deducted from my checking account to pay for the XXXX balance but Home Point failed to acknowledge the payment. 

Now, after calling in yesterday to discuss the issue I was informed that there was a stop payment but the stop payment was on the bank check not the automatic payment they asked for. I put a stop payment on the XXXX bank check, not the automatic payment which as you can see from my bank statement was deducted from my account. 

Yesterday I made another automatic payment for {$6900.00} for the XXXX payment but was informed that this would be put against the XXXX payment. Therefore, I am demanding that Home Point correct the issue immediately and bring my account to current, paid in full, and remove all late fees. Both XXXX and XXXX mortgage payments have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX were delivered to you more than 40 days ago and response has not been received. You must respond within 30 days or the item must be deleted. Please delete XXXX XXXX and XXXX XXXX XXXX No proof of owing this debt has been received and this is necessary to verify this debt not simply asking the furnisher If I owe them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX vs. XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/ReportedXXXX
Product: Credit reporting or other personal consumer reports

I have inquiring showing for XX/XX/2023 that i do not recognize it im currently incarcerated and been incarcarated for 5 years i should not have a inquiry on my credit this is fraudualent
Product: Debt collection

Took one course at the college. I am not the authorized or guarantee of the account. The school attempts to charge me through creditors, not the other person. School never notified me, illegally listed me as a resident of their campus and attempt to fraud my credit reports. One creditor agreed to remove yet still on my reports.
Product: Checking or savings account

On XX/XX/2018 at XXXX XXXX  EST, a check was deposited at an ATM from an accredited CREDIT UNION addressed to myself ( which was in an amount less than {$5000.00} which is the amount stated in Bank of America 's handbook stating that a " hold '' may occur ), and NO notification was made that the check would be placed on HOLD giving me option to have the check returned to cash at a different institution where funds would be readily available! The HOLD was placed until XX/XX/2018!! I need this money immediately. The " REASON : A hold was placed on your check ( s ) because check specific information indicates item may be returned ''!!! Then to finish the transaction the ATM would not give me my ATM/debit card. After holding for almost 3 hours and being disconnected 3 times I was connected with a customer service representative who was helpful in expediting the overnighting of a new ATM / Debit card at no cost to me which should be here tomorrow ( the XXXX ) - SO approximately 2 days without any access to my funds. TO ME THIS IS THEFT BY TAKING. I returned to the bank and asked for the check back and they refused to give it to me because they don't know where it is. I can cancel the check but I will have to pay for the cancellation fee and the bounced check fee at BANK OF AMERICA AS WELL???!!!! If someone pays for a flight to California and then I say OK, I will provide your flight on the XXXX while I inspect your check from Bank of America, that would not be ok and they would demand their money back but if I lost it would that not be ILLEGAL???
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter for the XXXX XXXX XXXX account on XX/XX/2023. I have just checked my credit report and I see that the account is not marked as disputed. This is a violation to have misleading information and inaccurate information about the consumer. I have also asked for this account to be updated. There are still several sections that is not reporting accurately. 
According to the Fair Credit Reporting Act- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ; 15 U.S. Code 1692e False or misleading representations ; Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
According to the Fair Credit Reporting Act - Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681b and to limit the furnishing of consumer reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, the XXXX  XXXX XXXX account number is not reporting the same for all 3 credit bureaus. These violations have caused damages in my family 's life. I would like this account to remove. 
Here is my account information to us during the investigation into this matter. 

Transunion Account Name : XXXX XXXX XXXX Account number : XXXX Reason : inaccurate information and failure to update XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Reason : Inaccurate information failure to update and account number is not same. 

XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$12000.00} XXXX  XXXX {$380.00} XXXX  XXXX  XXXX {$770.00} XXXX  XXXX {$1300.00} XXXX XXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Checking or savings account

On XXXX XXXX I had {$40.00} come off my account t I called chime and filed despite they did Irs it literally less then 24 hrs I asked them to block the merchant. On XX/XX/XXXX I had {$4000.00} come off then 30-40 min later XXXX came off. I emailed and called asking for this merchant to be blocked and when I file dispute on the XXXX my stuff got denied on XXXX at XXXX XXXX. It hasnt even been 24 he invastigation. I dont know why my money missing and no one is doing about nothing.
Product: Checking or savings account

I was a victim of fraud last week, my wallet was stolen which had all my valuable information ( my cards and my notes with things such as my pin and passwords ) and my claim was submitted on XX/XX/XXXX and denied on the XXXX ( 2 buisness days from claim ) this was before I even sent back the documentation they requested from me ( which I had to correct because they had the wrong information on my claim ) and they forcefully closed my account without explaining to me why
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke To a representative from XXXX MasterCard through XXXX XXXX. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with XXXX  and equifax
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Dispute and Request for Validation of Alleged Debt Account Number Ending in XXXX Original Creditor : XXXX XXXX XXXX 

To Whom It May Concern, I am writing to dispute the validity of the alleged debt you claim I owe, related to an account with Capital XXXX N.A. and identified by account number ending in XXXX. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), I am requesting that you provide sufficient evidence to validate this debt, as well as detailed information substantiating your right to collect it in the state of Pennsylvania. 

To validate this alleged debt, please send the following information : Original Contract or Purchase Agreement : A copy of the original contract, agreement, or purchase documentation from XXXX XXXX XXXX. that created this alleged debt. 

Proof of Chain of Ownership and Assignment : Documentation verifying the complete chain of ownership, including proof of assignment for each transfer of this debt from the original creditor to XXXX XXXX XXXX. 

Full Accounting History : A complete accounting record from the original creditor, detailing the date, amount, and application of each payment, fees, and charges. Please include the date of the first delinquency and any relevant payment history leading to the collection.

Proof of Collection Authority in Pennsylvania : Verification of your legal authority to collect debts in Pennsylvania, including a copy of your third-party debt collection bond, as required by Pennsylvania law XXXX 

Proof of Compliance with Required Notices : Evidence that you sent the legally required debt validation and collection notices to me prior to reporting this alleged debt to any consumer reporting agencies. 

Until these materials are provided, I request that all collection efforts cease, including any reporting of this debt to consumer reporting agencies. Reporting unvalidated debts can constitute a violation of 15 U.S. Code 1692e, which prohibits misrepresentation in debt collection. 

If you are unable to provide all requested documentation, please immediately remove this account from my credit reports and cease any further collection efforts. 

Thank you for your prompt attention to this matter. I look forward to receiving your complete response in writing within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I recently came out of bankruptcy and there are still companies reporting on my report that should have been taken off and they are still harassing me. I sent the bureaus letters over 2 months ago and still have not received any information from them or an update on whats going on. I want these accounts removed because its been over 2 months and I never authorized any furnishers to report on my accounts. I will definitely be seeking litigation if this can not be corrected because this is straight violation and negligence on the bureaus part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX  and before XXXX XXXX XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

there was an injury on my report that was placed well over 60 days ago. I reached out to the company and to have them remove it because I did not authorize it but it is still reporting. I also reached out to all the bureau 's and nothing has been done. Even though I sent information from my credit report they said it wasn't enough information to prove there was inquiry. However, the inquiry still remains.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2020 to XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

A line of credit was opened with bank of America was opened via XXXX without our knowledge on XXXX 2022 with a credit limit of $ XXXX. We were warned by XXXX and XXXX via XXXX XXXX on XXXX 2022. Fortunately no charge were made. This account was created with our former address. We called Bank of America and they cancelled/closed the account. We are now reporting this to you. Thank you
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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. XXXXXXXX XXXX XXXX  UNI 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 8
Product: Debt collection

XXXX XXXX has fraudulently report 2 false balance to collection due to a change of management. I had a membership at XXXX XXXX, during covid I had some false charges despite all gyms being closed at the time. Later on, I realized I had an outstanding balance, I paid the balance and decided to closed the account membership. 6 months ( XX/XX/2021 ) later I realized they had reported 2 false collection balance to the all three credit bureau ( XXXX, XXXX, XXXX ) by the collection company name ALDOUS AND ASSOCIATES. I've contacted the original creditor, and they have reassured me that I never had a balance that went to collection. The original credit said error occur due to a change of management.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate item on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information contained in my credit report. Additionally, under 15 U.S.C. 1681a ( 5 ), I am entitled to a credit report that is free from inaccurate or unverifiable accounts. 

XXXX XXXX XXXX Account Type : Installment account XXXX  Installment Account Type - Detail : Installment account Auto Loan Installment Bureau Code : Individual account Individual Individual Account Account Status : Closed Closed Closed Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : Monthly XXXX XXXX Monthly ( due every month ) High Credit : {$20000.00} {$20000.00} {$20000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : as agreed Paid or paying Paid, was past due 30 days Pays account as agreed Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  HAS OPENED AN ACCOUNT ILLEGALLY AND SOMEONE USED THIS Unauthorized account now is past due and charge off has been posted incorrectly in my credit report.
Product: Student loan

I went to refinance my student loans to an income based plan. I went through the third party Western Benefits Group. I was led to believe that they would negate my monthly payments and my fees toward WBG were towards my loan. However, it appears that the {$35.00} a month I've been paying them are going towards a membership fee and not the loan. I would like to leave WBG but when I call there is no answer. I have no debt to them and should not owe anything since my student loans are officially through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX