23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I made a payment in XXXX on time, then my account was placed on forbearance ( with no notice given to me until XXXX ) that was back dated for XX/XX/XXXX. I later received a notice that any payments made during that period would be applied to future payments, such as in XXXX. I believed this to mean that my XXXX payment was covered, so I did not pay. I have now received notice that my account is delinquent, and I have tried multiple times to reach out to Mohela to clarify the situation, but I can not get ahold of anyone to talk to.
Product: Credit reporting or other personal consumer reports

SELF/XXXX XXXX XXXX  - account # XXXX XXXX Payment history guide states I was 60 days late on both XXXX and XXXX of XXXX  how can you be late e 60 days twice in a row? Ive already demanded an investigation on this account because its not complete or accurate. 
SELF FINANCIAL/ LEAD BANK- account # XXXX XXXX payment history guide states I was 30 days past due on XX/XX/2021 but the payment history shows that I was actually current XX/XX/2021. In addition the payment history guide also states I was 60 days late XXXX of XXXX  when in fact the payment history shows that I was only 30 days late. I dont know why there are discrepancy but Ive already notified both parties that the information being reported is not accurate or true. So I demand they be removed from my report. 
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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Requested copies of the following Original Contract Full Payment history Notice of Default Notice of Sale Explanation of Calculation of Surplus and Deficiency Notice of Retrieval of Personal Property
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXXXXXX Balance Owed : {$810.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed XXXX {$7600.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5500.00}
Product: Mortgage

On XX/XX/2018my account was debited automatically in the amount of {$1900.00}. On XX/XX/XXXX XX/XX/2018 I made an additional payment of {$1900.00}. My banking intstitution placed a stop-payment for the payment on XX/XX/18(  {$1900.00} ) however, the second payment made on XX/XX/18 was verified as clearing through my financial institution ( trace no. XXXX ) however HomePoint Mortgage has not applied it to my account after several attempts to speak to customer service to apply the payment. This has now reached the point where they are indicating they will report this activity to the credit agencies and have been unwilling to properly address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collection agency known as XXXX XXXX XXXX, also known as XXXX claims that I owe debt. The debt includes {$510.00} on XX/XX/XXXX, {$490.00} on XX/XX/XXXX, {$350.00} on XX/XX/XXXX, {$510.00} on XX/XX/XXXX, and {$200.00} on XX/XX/XXXX. The creditor that originated the debt is known as XXXX XXXX of Florida. I tried to contact the creditor however, had trouble locating this business. I called XXXX on several occasions in regards to the debt. I explained that I am unfamiliar with the business that submitted me to collections and have never had services rendered from the creditor that is claiming the various amounts according to the specified dates. Furthermore, the debt collection letter indicates my first name correctly, however, the last name does not match with my actual last name. I contacted XXXX, to inquire about the debt and explained my concern. XXXX requested me to provide my social security number. I provided them with this information and then they explained that my social security number does not match with their records. Thus, they advised me to contact TransUnion. I contacted TransUnion to file a complaint against XXXX, explaining that the debt collection that is on my credit report does not match up with me, the individual. The debt collection letter has a totally different last name, not misspelled. Also, the social security number that XXXX, the debt collection agency, has on file does not match up with mine. Thus, my last name does not match up nor does my social security number. TransUnion 's investigation concluded that the information from XXXX is accurate. How can this be? The last name and social security number does not match my identity. In addition, I have never had services from the claiming creditor. In conclusion, the charges against me are fraud and TransUnion has done nothing to help me after I fully explained the same information as I indicated in this summary.
Product: Credit reporting or other personal consumer reports

To whom it may concern : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Likewise, Data provided for sharing purposes must meet legal, regulatory and voluntary code of practice requirements before provision and in use. Subscribers must use data only for purposes for which the required form of consent has been given. Please remove this account from my credit report. 

COMPLAINT 1 On XX/XX/XXXX, the sale of the property located at XXXX XXXX XXXX was executed and paid in full. On XX/XX/XXXX, my account was reported to all three-credit bureaus as 30 days delinquent. I am disputing this information and requesting this account be removed from all three credit reports due to the multiple reporting errors identified in this complaint. 

COMPLAINT 2 I am disputing the payment history reported on my credit report ; specifically, the lender failed to properly report to Equifax on time payments for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

COMPLAINT 3 I am disputing the payment history reported on my credit report ; specifically, the lender failed to properly report to Equifax on time payments for the following month : XX/XX/XXXX. 

COMPLAINT 4 I am disputing the payment history reported on my credit report ; specifically, the lender failed to properly report to XXXX on time payments for the following month : XX/XX/XXXX. 

I have attached sufficient evidence to support the disputed claim. 

1. Copy of Consumer Credit dispute 2. Payoff Quote through XXXX XX/XX/XXXX XXXX. Proof of Wire Transfer Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the year XXXX, I had a problem keeping up payments of my 2nd Mortgage with XXXX XXXX XXXX . I applied for the Cares Act Mortgage assistance in XX/XX/XXXX and started getting help in XX/XX/XXXX working with XXXX XXXX XXXXXXXX and made XXXX XXXX XXXX aware via E-Mail with XXXX XXXX. Due to XXXX XXXX not maintaining a consistent agent on our case the Mortgage didn't get Paid in Full until XX/XX/XXXX. Payment made directly to XXXX XXXX XXXX. 
Since that time XXXX has put a " Charge Off '' in my credit report for the Months of XXXX XXXX XXXX I was never made aware of the Charge off by XXXX. The paid in fill amount was over XXXX of a XXXX loan. 
To this day, I have not received a statement from XXXX we were " relieved of the debt '' and they have in my report of XXXX and Transunion and XXXX {$12000.00} was charged off. 
This documentation of being is noted " Paid IN Full, however, after that sentence on the same line it says Charge OFF XXXX. That information is incorrect, it was paid in full. 
It also states in my report it was Charge OFF fro XXXX XXXX XXXX  incorrect, it was paid off in full XX/XX/XXXX. 
I never received any documentation from XXXX XXXX XXXX it was paid in full by a 3rd party, nor have I recieved any IRS documentation to file taxes regarding this loan. Nor, have I received Documentation stating it was PAID IN FULL and a relief of debt documentation. 
I have disputed the credit reports 3 times since XX/XX/XXXX and have been denied correction due to XXXX reporting the information is accurate. I also spoke with " XXXX '' from Collections at XXXX who states its accurate. 
I can tell you from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was bought out by XXXX XXXX XXXX. I have never received official notice or Documentation the company was bought out during my interaction with Rhode Island XXXX whom I sought for Mortgage assistance following an active State of Emergency due to Covid which rendered me legally XXXX from XX/XX/XXXX to present. 
I remember reading credit information regarding Morgages would not be affected if it was due to a National Declared Emegency, as in this case it was and I worked diligently to repair the missed payments with total transparency to XXXX XXXX XXXX XXXX XXXX XXXX 
I look forward to any professional advisement to rectify this problem. 
I just want my credit report to reflect {$15000.00} was paid in full on this 2nd Mortgage for the appropriate dates. XX/XX/XXXX is inaccurate! 
Seems to me Charge off, as they say they reported this to no one else but the credit reporting agencies, should have had an entry all by itself then should have reported the balance of over {$15000.00} was paid in full on a seperate line.

I can provide any documentation need with the exception of a notice of Charge off, or a relief from debt, nor any documents that should have been reported to the IRS. 
Sincerely, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit report, specifically in relation to a late open account. Despite my continuous efforts to correct this issue, my credit report remains inaccurate and negatively impacts my financial well-being. 

The specific issue I have been trying to address is as follows : There is a late open account listed on my credit report that inaccurately reflects my credit history. This error is severely affecting my credit score and causing financial difficulties.

I have made several attempts to dispute this inaccuracy by following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Each time, I have provided clear explanations and submitted supporting evidence to substantiate my claim. 

Unfortunately, my efforts have not yielded the desired results, and I continue to encounter the following issues : My previous dispute letters and supporting documents have not received a timely response, leaving me in the dark about the status of my dispute. 

The delay in addressing this inaccuracy has caused financial hardships and has adversely affected my ability to access credit and financial opportunities. 

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors and am fully committed to working with your credit bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that you conduct a thorough investigation into this specific inaccuracy, rectify it promptly, and provide me with timely updates on the status of my dispute, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, providing evidence of my earnest attempts to rectify this inaccuracy. I am asking for your assistance to correct the said late open account in 3 credit bureaus : XXXX XXXX XXXX Balance Owed : {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to update inaccurate personal information such as my address and other credit bureau has updated as such. Except for Equifax. Kept refusing upon me sending proof with correct address. I express that information was inaccurate for address on file they sent me mail at the correct address but still have inaccurate information on my profile. 
I called back in XXXX also sent proof for information to do so with no avail nothing has been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX claims they received the following inaccurate information from XXXX which has caused me not to secure housing and has rendered me homeless. I have not given XXXX of anyone consent to share any information regarding me or my credit history. 

The following information is what XXXX reported. below :. 
Your XXXX credit score : SCORE DATE : XX/XX/ XXXX scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROPORTION OF REVOLVING BALANCES TO REVOLVING- This is a billing error since all credit is commercial and open ended. 
CREDIT LIMITS IS TOO HIGH, TIME SINCE DELINQUENCY IS- This is a billing error since all credit is open-ended there is no limit. 
TOO RECENT OR UNKNOWN, INSUFFICIENT LENGTH OF CREDIT HISTORY, SERIOUS DELINQUENCY- This information being reported is completely inaccurate
Product: Mortgage

Our house was damaged by hurricane ida on XX/XX/XXXX. We were without power for 20 days, during that time the water damage incurred became mold damage. The insurance company agreed to pay for the mold remediation at a cost of approximately XXXX dollars. In that time our mortgage was sold to freedom mortgage company. We received the insurance check and sent it too freedom mortgage and only received XXXX back on XX/XX/XXXX. Now freedom mortgage is holding an additional XXXX dollar check from the insurance company that is meant for the actual repairs to the house. They are stating the money cant be released until the work is nearly complete. I dont understand how Im supposed to get the work done if I dont have the money to do so. Weve tried repeatedly to speak to a supervisor and cant get a call back. We are out of options at this point.
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 measures to prevent and address fraud on their platform, leaving my account 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 card

Discover card decreased my credit limit from {$12000.00} to {$3000.00}. That is a significant credit line decrease. I have been making my payments on time and was never late. I have been a member since XXXX. I have used this card for moving and also after covid to be able to survive. Because of the decrease in credit line, my credit usage on this card increased to 78.77 %. Prior to that it was 19.24 %. That is a significant change. Does that sound fair? Especially since I have been making payments online. My score also decreased. Discover messed up my credit. My father passed away and needed to use this card but I could not since I am so close to my current limit. 

I'M INCLUDING THE LAST FOUR NUMBERS OF CARD. DO NOT WANT FULL NUMBER ON HERE.
Product: Credit card or prepaid card

CitiBank refused ( per XXXX XXXX letter dated XX/XX/2019 ) to credit my secured XXXX account ending in XXXX for a {$56.00} charge made on Friday XX/XX/2019, for a rental car from XXXX   XXXX on Saturday XX/XX/2019. The payment was made in advance to XXXX. XXXX   XXXX refused to accept my CitiBank debit card ( although their website clearly states that they honor them, see exhibit 01 attached ) to cover their fees which totaled {$21.00} and therefore I was not able to rent the vehicle that I paid for in advance via the XXXX website. I presented my secured CitiBank XXXX to cover their {$200.00} refundable deposit which is the maximum funds allowed by CitiBank. I contacted a CitiBank representative at XXXX XXXX ( EST, see exhibit 02 attached ) for assistance in this matter ; however, they refused to increase my secured XXXX credit limit to cover the {$21.00} charge. CitiBank then refused to honor my request to credit my account for the {$56.00} charge due to the fact that no service was provided as a result of false advertising by XXXX XXXX although I was told by XXXX on Wednesday XX/XX/2019, at approximately XXXX XXXX  ( EST, see exhibit 03 attached ), and XXXX on Wednesday XX/XX/2019, that my account would be credited for the full {$56.00} ; also See NY Attorney Generals file # XXXX. In addition, I spoke with their Supervisor/Account XXXX XXXX on Monday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 04 attached ), who was very rude, unprofessional, and exhibited a nasty attitude when she stated that the NY Attorney General couldnt help me! She did not even take the time to review my account information. Her nasty and unprofessional attitude explains why CitiBank has earned an F rating with the NY XXXX XXXX XXXX. On Tuesday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 05 attached ) I canceled this account via telephone ( there is no way to do it online per the male representative ), and was told that I would receive my final statement via snail mail. My account is still open and accruing fees as of todays date.
Product: Vehicle loan or lease

I have tried several times to work with my loan company in regards to my payments. They are unwilling to work with me. I lost my job due to being in a XXXX XXXX relationship. I explained this to them, but they do not care. My payments are due every 2 weeks in the amount of {$290.00}. I have been making payments of {$260.00}. Today I was told that my car payment is {$480.00} past due and the collateral is {$240.00} past due. I was told by the call center floor manager, that if I can not pay the collateral, I should not be driving their car. 
Also, DMV sent my plates to me. The call center manager stated that I still owe them {$98.00} for the plates and I will need to pay for that. He said there was a glitch with DMV that is why I received my plates. I paid for the plates with my down payment in the beginning in the amount of {$120.00}. That is what my loan papers state. XXXX, the manager, is very rude, very unprofessional and is requesting/demanding payment. Told me to borrow the money, which is what I already did to make this payment. 
I am not asking for a handout, I am asking them to be sympathetic to my situation.
Product: Credit reporting or other personal consumer reports

A federal court issued an injunction preventing the US department of Education from Implementing Save and IDR plans under various programs including PSLF. My account was placed into forbearance initially with XXXX when the injunction occurred and then with XXXX XXXX on the basis of this ongoing litigation. However, I have received several late payments on my credit report without any notification my accounts were being removed from forbearance nor did I receive a notification of incoming bill. This forbearance is said to last until this matter is settled. The injunction is still in place as of XX/XX/year>. I am requesting the no payments/late payments be removed on the basis listed.
Product: Debt collection

On XX/XX/XXXX I paid {$1100.00} to the XXXX XXXX XXXX XXXXXXXX, resulting in the total amount owed. 

On XX/XX/XXXX I opened a letter addressed to me to see a bill for {$1900.00} from a company called Professional Credit Service. Shocking considering the fact that I basically hadn't been to the doctors since. 

Looking at the paper, it had the exact same billing information that I had received in XXXX. Calling the company, they said that not only did I owe this amount, but that it was still in litigation. 

I had already been sued for this amount, and hadn't been able to show up resulting in the case being ruled in favor of XXXXXXXX XXXX XXXX XXXXXXXX. 

So now, I was apparently in litigation once more, except for the fact that I hadn't been contacted by phone, mail, or email at all, suggesting I was being sued once more for a bill I had already settled four years ago! 

When I told XXXX, the man who was on the phone with me, this he gave me a non-answer that did nothing to answer any of my questions except to say it would have to be investigated. He provided no answers for the lack of communication, other than to say that I had been mailed repeatedly and called. 

All of which were not true, as I hadn't received any mail since paying the debt to suggest that I otherwise still owed. I had not received any calls, nor have I been emailed on an email that I've had since BEFORE the debt was received ( reliable and checked often ). 

All of this to say that I've never had debt with Professional Credit Service, and I've since switched XXXX XXXX ( the XXXX  on record being old and now obsolete in regards to my care ), incurring no debt in the three times I've been back to a health professional, as I've paid in full, in cash, all three times.