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

Urgent Dispute Removal of XXXX XXXX XXXX and Rent-to-Income Inaccuracies To Whom It May Concern, This letter serves as an immediate dispute regarding inaccurate information currently being reported by XXXX and XXXX on my consumer file. I am requesting that you correct and remove the following errors within 48 hours of receipt of this letter : 1. XXXX XXXX Balance : Your records inaccurately list a balance from XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX. I do not owe any balance to XXXX XXXX, and this incorrect information is negatively impacting my ability to secure housing. I demand the immediate removal of this erroneous balance. 
2. Rent-to-Income Data : Your report contains an inaccurate rent-to-income ratio. This data is not a true reflection of my income, and it is absolutely unacceptable that you are misrepresenting my financial situation. How can you determine my income better than I can? This false information is preventing me from getting approved for housing, and I demand it be removed or corrected immediately. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are legally required to report accurate and fair information. Specifically, Section 611 of the FCRA mandates that consumers have the right to dispute any inaccurate information, and your organization must investigate and resolve such disputes within 30 days. However, due to the serious nature of these errors and their impact on my housing applications, I am demanding these inaccuracies be corrected within 48 hours.

Additionally, Section 605 of the FCRA ( 15 U.S.C. 1681c ) prohibits the continued reporting of incomplete or inaccurate information, especially when it affects a consumers ability to obtain housing or credit.

Immediate Action Requested : Remove the inaccurate XXXX XXXX balance from my records. 
Remove or correct the false rent-to-income ratio from my file. 
Provide written confirmation that these corrections have been made and supply me with an updated copy of my report once the errors are removed. 

If this issue is not resolved within 48 hours, I will have no choice but to pursue further legal action to enforce my rights under federal law, including seeking damages for the financial and emotional harm caused by these inaccuracies. 

Please confirm receipt of this dispute and update me on the status of the resolution as soon as possible. I expect to receive an updated and corrected report promptly once these issues are addressed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

RE : CAPITAL ONE AUTO FINANICAL XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : TO INACCURATE REPORTING TO CREDIT FILE TO WHOM IT MAY CONCERN : I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS. 
HERE AS FOLLOWING ARE ITEMS IN ERROR : CREDITOR NAME : CAPITAL ONE AUTO FINANIAL CREDITOR DATE OF INQUIRES : DATE : XX/XX/2018 2018
Product: Student loan

Loan Info XXXX Direct Loan - Subsidized {$4100.00} Loan Info XXXX Direct Loan - Subsidized {$1200.00} Loan Info XXXX Direct Loan - Unsubsidized {$9700.00} Loan Info XXXX Direct Loan - Unsubsidized {$2300.00} Total outstanding balance {$17000.00} I am requesting that these loans be forgiven in its entirety. From day 1, when I signed up for school I was very clear with my counselor what my intent was. Never, was I advised that this field requires 2-3 years experience just to get your foot in the door. After many years of gaining my own experience I am now a XXXX XXXX and have met many people who do the same work that do not require certification. I am beyond frustrated with almost {$20000.00} in student loans for nothing! I lost my job 2x since I have taken loans and could not afford. When I signed up I thought most of my fees were covered by grants, obviously that was wrong. 

After completing school I contacted so many people from Navient, student loans, so many different companies I have had to deal with only now to be back with Navient. I am not sure who has my loans but I am not educated on what to do if I cant afford so I called you guys, the professionals and never really understood what the heck I was getting into whether I was supposed to apply for forgiveness, repayment, forbearances and even when I guessed getting paperwork was a ridiculous process resulting in a few late payments reported to my credit which is now impacting my goal of buying a home for my children. Your associates are great with redirecting from one company who redirects you back then from one department to the next, then when you finally get a live rep on the phone you need to know a pin or know exactly how you filed your taxes prior years making it IMPOSSIBLE for borrowers. The government should be ashamed with what they are doing to families. I have XXXX XXXX and a XXXX  mom and my life is on hold because of this. Not enough education provided to borrowers or students. I feel that this entire process is a scam for the government to lock folks in. As a result of not knowing what I am doing and getting no help with education I am now almost $ 20K in debt and have no idea how to get out of this. I will also be filing the same complaint with the Department of Education, CFPB and Navient and will continue with the Department of Consumer Protection, Attorney General and/or media if I need to. This is not right to do this to families. I cant go anywhere with this on my credit and feel like my life is doomed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Concurrently I am trying to resolve the issue with the collection agency. They are listed as XXXX XXXX and I have looked for their ability to legally collect in the state of Arizona through licensing and being bonded in accordance through AZ law, and IRS regulations along with validity of the original debt and signed contracts through the Credit Reporting Agency 's XXXX  and TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and BMW Financial Services. The Account Opened is BMW Financial Services Account Number : XXXX Date Opened : XX/XX/2010 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC 1681g, I ask that they be removed within 15 days. Relevant documents are attached for your review.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I was was solicited by someone presenting themselves as representatives of XX/XX/XXXX ( hereinafter referred to as the Merchant ). Their web platform is completely anonymous and does not provide any specific information about its owner/operator. There are many warnings against XX/XX/XXXX that confirm that it operates illegal. Unofficial investigations about the illegal operation of XX/XX/XXXX can be also found in a number of sources that are considered more or less reliable. Notwithstanding the above, the persons pretended that the web platform and the Merchant were licensed as regulated financial brokers and that they had the required qualification and skills for trading regulated financial tools and providing financial advice to the public. They insisted that by following their advice I would be able to open and maintain a segregated financial acoount and to make trades on regulated markets. Being an average consumer and without special knowledge in the financial markets, I was made to believe that he was investing in regulated financial tools via a licensed and qualified platform. Making use of the my lack of experience and knowledge, the persons acting i through the aftermentioned platform and/or on behalf of the Merchant requested me to make payments leading to believe that I was funding a segregated financial account. As per explicit request of the aforementioned persons, all payments were to be made in crypto currency and I was adv i sed and instructed to purchase crypto currency from Coinbase. I was then advised by the unlicensed Merchant to transfer the purchase crypto to nominated e-wallets, which are assumingly located outside www.coinbase.com. Acting in good faith and following advice, I made an account with www.coinbase.com, and made series of payments in consideration of purchasing crypto. Total amount of the payments is XXXX XXXX distributed in multiple transactions, all of them were sent through my e-wallet with Coinbase to the following addresses : XXXX XXXX XXXX XXXX Each transaction was immediately indicated on my profile with the unlicensed broker XX/XX/XXXX, which clearly reveals the link between above indicated address ( es } and the operation of the illegal website of the Merchant. Therefore, we consider any of the above wallets potent a ly being an integral part of the illegal activity of www.btcpro.one and/or potentially used for commining fraud and/or money-laundering.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 at approximately XXXX I applied for a business credit card online through XXXX XXXXl XXXX. The application asks for my EIN number. It also asks for my social security number under the owner. When I put the cursor on the? under ss. It states that it was only asking for your social security number for identification purposes only. As soon as I submitted the application, I got an email on my credit alert. It stated I received an inquiry and my credit went from exceptional to good because it lowered my points with the inquiry. I called XXXX XXXX immediately and was told that this was part of the process. I explained to her that it was misleading. I have 4 cards with XXXX XXXX already and this account was strictly business. I pride myself on being responsible with my credit and not over using not getting too many inquiries. She would not remove it saying this is the process. I NO LONGER WANT a business card with them. I am LIVID!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to enroll in Trusted ID Premier / Equifax in order to lock my credit information. The link they sent to my email address only allowed me to register information to verify my identity ( which was successful ) but never continued forward to provide required password information. Instead, the registration screen froze for one hour, after which time I disconnected from the site and attempted to try the email link again. The site then instructed that I had already activated my account and to log on to the Trusted ID Premier website. However, because I do not have a password, I can not enter the site. Attempting to re-enroll was not successful, nor was attempting to use the provided email link repeatedly. Thus, while Trusted ID Premier states that I have an activated account, I can not access it without a password. I tried calling two of their phone numbers over a period of days but wait times were excessive, yielding no results. Dates involved :XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

REcent investigation dated XX/XX/2023 shows investigation results agreed that inquiries in disputed should be removed. To this date none have been removed.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Equifax and XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the Equifax and XXXX CREDIT BUREAU 's investigation was done improperly, Equifax and XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX XXXX : {$15000.00}.
Product: Credit card or prepaid card

Trying to link another app to access data in order to budget/save better. Won't let a third party app login and access my account even when authorize to do so.
Product: Credit reporting or other personal consumer reports

These inquiries must be removed immediately as they violate the FCRA 's mandate for accurate reporting. 

Unauthorized Inquiries Equifax Listed below are the Inquiries that are being challenged 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 XXXX Unauthorized Inquiries Listed below are theInquiries that are being challenged 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 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 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 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 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  Unauthorized Inquiries XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I worked for XXXX and when I left the company, I owed them {$620.00} in commission I was advanced. They gave me until XXXX XXXX to pay the debt and I payed it on XXXX XXXX. Despite the fact that I paid my obligation, XXXX sold my " debt '' to XXXX XXXX XXXX XXXX. I informed the debt collection company that I had paid this debt ( provided canceled check information and provided contact information for XXXX employees who could verify this fact ) and never received any feedback from them regarding this issue. I called them on XXXX XXXX to see if this situation has been resolved, and they told me XXXX informed them that I had paid my debt and no longer owed them anything. I asked for them to send me something in writing saying my debt was satisfied so I could have this erroneous claim removed from my credit report because I am buying a house next year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries that i do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.
Product: Checking or savings account

On XX/XX/ I opened a Citibank checking+savings accounts thanks to the promotion Citi was running at that time. Specifically, {$700.00} bonus for opening an Account Package andmaintaining $ XXXX balance for 60days. I'm attaching the terms of the offer I enrolled in below. Shortly after I met all the requirements of this offer andwas waiting forthe {$700.00} bonus to post, Citibank closed my accounts without any explanation, citing only " business reasons ''. I was very confusedbecause except for the initial deposit of {$50000.00} there was no activity on my accounts at all. My multiple attempts to resolve the issue with Citibank customer service were unsuccessful.I understand that Citibank can refuse to do business with anyone, but in my case the bank obviously benefited from holding my deposit of $ XXXX without paying interest and then refusing to pay the promotional bonus as was advertised. I believeclosing accounts right after all the requirements of an offer are met and refusing to pay is an unfair and deceptive practice.
Product: Debt collection

Credit Corp Solutions whom I have no contract with nor have I ever given any consent to is claiming there is an alleged debt I owe. This corporation is attempting to slander me with court cases to a debt I have no knowledge of nor any evidence of. To amicably cure this matter if they are to quash to suit XXXX willing to take no further action in my defense of this fraudulent conduct. However, if this isnt cure I intend to protect my property to the fullest extent of the law in a federal court of law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Mortgage

Despite my explicit concerns about being subjected to predatory lending practices, I was pressured into a loan agreement that has placed undue financial strain on me. There was most certainly collusion between my home builder and lender, which has resulted in financial harm to me. 

Specifically, my current loan causes me to pay {$300.00} more per month than reasonable market alternatives. My concerns were disregarded, and I believe that the builder, XXXX XXXX XXXX and lender, Movement Mortgage worked together to coerce me into this unfavorable agreement. I believe this practice violates fair lending standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Product: Credit card or prepaid card

I have a citibank credit card with me for past 7 years, and always use auto-payment to pay balance. end of last year ( 2018 ), I didn't use the card for several months, then the Citibank removed my automatic payment without my permission. Then when i use the card again but didn't note that there is no auto-payment. It causes several moths ' late fee, Citibank also reported it to credit bureaus and cause my credit score dropped almost 200 points. 
Citibank should not remove my auto-pay setting without my permission, that's the reason causes the late fee and my credit score dropping. Citibank should correct the mistake to help me get the credit score and late fee back.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account # XXXXXXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late if proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 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 permission
Product: Debt collection

I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA. USAA has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and ( 2 ) Affidavits of Truth to USAA as they have violated me as a Federally Protected Consumer. Most recently, I have mailed them a Notice of Default and Opportunity to Cure. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX ORINATED AND SERVICED LOAN XXXX AND WAS FRAUDULENTLY SERVICING LOAN AND NOT APPLYING 9 MONTHS IN XXXX. TO COVER UP SOLD TO OCWEN AND DID THE SAME. 


XXXX, XXXX & XXXX OCWEN XXXX XXXX XXXX XXXX