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

I have attempted to dispute multiple accounts with experian, transunion and XXXX and they have failed to correct the inaccuracies on my report. there are accounts that I am not liable for, and they these agencies have not supplied proof of my wet signature and many of other violations on my behalf as a consumer. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ). I will list the accounts that are inaccurately reporting and I would hope that you correct and look into these errors. I am a servicewomen and I am fighting for OUR country and I know this is a violation of my rights under 15 USC. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
creditor : XXXX  XXXX acct # : XXXX, creditor : XXXX XXXX acct XXXX XXXX XXXXXXXX, creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX, creditor : XXXX acct XXXX XXXX XXXXXXXX these are these accounts that are misleading and reporting inaccurately on my credit report.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fa

ir Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Mortgage

I applied for a loan with Loan Depot in XXXX, 2019 and was conditionally approved, pending the appraisal. On XX/XX/XXXX, I received a Loan Estimate and a Rate Lock from Loan Depot for the rate that I had been quoted over the phone of 3.325 % for a 7/1 ARM loan. The Loan Estimate and Rate Lock are attached. 

I have supplied all requested documents and other data and was available to make sure the appraisal was done at the date and time agreed to. The appraised amount was sufficient for the loan. 

On XXXX, XX/XX/XXXX, I was informed by Loan Depot that the 7/1 ARM product was no longer available. I said I understood that programs change but I had a valid commitment through XX/XX/2019 and I expected to close on that date. Loan Depot has all necessary documentation, but now refuses to close the loan. I told one of the managers, XXXX XXXX, that I expected Loan Depot to honor the commitment. He indicated he would speak to a more senior staff member, but I did not hear back from him.
Product: Debt collection

Located this collection on a recent review of my credit report. According to the report Credit Management LLP started reporting in XX/XX/2019. On, or about, XX/XX/2019 I called this company to inquire on the origination of this debt and the amount owing of {$340.00}. The representative indicated this was a past due XXXX bill and that i was notified via mail in early XX/XX/2019. I told the representative that i was unaware of any amounts owing to XXXX and that i received no notification from anyone regarding this collection. I asked for proof mailed to me at the address of record ( which was verified ) of the origin of this debt. 

As of this writing, i have received no communication from either Credit Management LLP or XXXX regarding this debt.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 a " There is a need to insure that consumer reporting agencies exercise their great responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX, XXXX, and Net Credit are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, OppLoans/Finwise, and Net Credit XXXX and any financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to XXXX XXXX XXXX, XXXX, and Net Credit XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX, and Net Credit never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok i was promised a settlement of XXXX to XXXX to settle my debt of XXXX their fees included now they settled one card with their fee it comes out to XXXX dollars that's no where near what They promised me/imagine when they settle the other 2 cards how much will it be and at the end of the program id probably end up paying XXXX dollars when i caught on to the scam after 9 months i asked for a refund because i was mislead they kept XXXX and now i have XXXX left in their account and they want to keep it as well i no longer want to continue the program im not in a contract and would like a refund they denied it so now im XXXX down i want a full refund Nd i want to warn everyone about freedom debt relief they tell you one thing and on the disclosure its something else i work hard for my money and they took advantage of someone looking for a way out of debt
Product: Mortgage

The purpose of this written request is to request an explanation and documentation as to why a secondary corrected IRS Form 1098 was issued for loan # XXXX. This information is necessary to file an amended 2017 Federal and State Tax Return and to file a formal complaint with Internal Revenue Service against Seterus Inc. and file a formal complaint with the District Attorney Office of XXXX XXXX. 
It appears based on this information provided that Seterus Inc. has been manipulating and wrongfully distributing the contractual principal and interest payments in to a defunct escrow account and suspension account thus resulting in a corrected Form 1098 to be  generated. It also shows that Seterus Inc. is wrongfully administering the contractual principal and interest payments in order to fabricate a delinquent mortgage account with an intent to generate a loan modification for which Seterus Inc. has a financial gain interest in and/or a notice of default to produce unverifiable fees and service charges.
Product: Money transfer, virtual currency, or money service

On XXXX, 2020, I purchased items from a Hair company called XXXX  via cash app. I sent {$250.00} to a hair supplier thinking they were an actual legit hair company. But they were falsely posing as another company and scamming customers. As soon as I sent the money, they blocked me on XXXX  ( where our conversation took place ). Their cash app tag is $ XXXX, I immediately reported them to cash but received no response both times. so I had no choice but to dispute the charge with my bank XXXX. After calling them XXXX  honored me a credit for my claim, but on XX/XX/XXXX, ruled the transaction as authorized. so they took back their initial {$250.00} credit. I have screenshots of the conversion with the hair supplier, with me providing my shipping info for a tracking number. Both Cashapp and XXXX  have not done their part in identifying the scammer, despite the evidence. Cashapp has all the info but still allows these women to scam customers.
Product: Credit reporting or other personal consumer reports

Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY WRONG DATE OF LAST PAYMENT RECEIVE WRONG COMMENT ON XXXX SUPPOSE TO BE THE SAME AS EQUIFAX ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation THIS ACCOUNT HAS BEEN RE-AGED XXXX different DATES THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON EQUIFAX BUT NOTHING ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT BUREAUS Payment history is invalid or incorrect/ inaccurate. 

XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on XXXX & 60 days on equifax different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX 90 DAYS LATE ON XXXX & 60 DAYS LATE ON EQ THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON EQ BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted
Product: Credit reporting or other personal consumer reports

POSSIBLE FINANCIAL is reporting information that I have no knowledge of. Account XXXX XXXX Opened XX/XX/year> {$120.00} This account was opened fraudulently and I did not authorize the account to be opened. I have contacted the company for validation of debt and the number listed on their website is unreachable
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against the Transunion and XXXX credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party, not from my own filings or from a court. This bankruptcy has been deleted from my credit reports with XXXX. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions XXXX Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that i see this negative, unauthorized fraudulent account on my credit report. This is really damaging my credit worthiness. I am trying to start a business for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months age so I figured you all would protect my consumer report. I do not feel my information is being protected. This is defamation to my character and is a federal law violation. According to 15 U.S.C, 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I AM upset!! I AM depending on the banking system and credit reporting agencies to promote my privacy and fairness and they haven't. This is not right, going against my federal consumer rights, causing emotional and mental stress. Also, it is illegal, neglect, and fraud for companies and should not be furnishers of people 's information to 3rd parties. I have reported this to the proper legal departments. Including FTC. This is negatively affecting my livelihood and putting me in a bad space. These companies and credit bureaus can be sued. I feel your database is inaccurate and I am thinking about filing ligation, if negative items are not removed IMMEDIATELY. I am suffering.
Product: Checking or savings account

A rentor deposited rent into Truist checking account by mistake. Can't get the funds out. Have spent much time on phone, on hold, drove to supposed representive who wasn't, no response from Truist. Account is locked. Nothing I do gets my money back.
Product: Credit card

I had this Costco XXXX card for more than a decade. Nice wonderful card. Last year the card was converted to Citi Visa card. They messed up from day one. Messed my first and last name. I have to do follow up and get it fixed. Now it 's the annual reward statement during month of XX/XX/2017. I did n't received it - every time they will just send the statement but not this reward certificate. I have to follow up multiple times and asked them if they can directly credit my credit card but not ready for that also. It 's total waste of time and efforts. Is Costco/Citi paying me interest of 25 % on this money because of this delay?
Product: Credit card or prepaid card

This is the same case as prior, # XXXX. My name is XXXX XXXX. You sent me a link stating the bank had responded and that a letter was attached. You already closed the case. 
The attachment under this account WAS ADDRESSED TO SOMEONE ELSE!! A male with XXXX name. Isn't that a privacy violation? 
Where is the letter from Syncrony bank that was meant to come to me?
Product: Mortgage

The mortgage was paid in full on XX/XX/18, discharge has not been received by the county to release the lien
Product: Credit reporting, credit repair services, or other personal consumer reports

Birthdate and addresses or incorrect.
Product: Mortgage

Bank of America recently " updated '' their system " to better serve their customers. '' Part of this update, though, was not done to serve their customers, it was done to reduce customers ' savings on interest after making additional payments towards their principal. Prior to this update, when additional principal payment was made with a regular payment, the " principal curtailment '' was applied PRIOR to the regular monthly payment. This reduced the interest and increased the principal payment proportional to the additional principal payment for that month 's payment. Now, the principal curtailment is applied AFTER the monthly payment which makes the interest savings from the additional payment not apply until the next month 's payment. This is nothing short of a sneaky way for Bank of America to increase their bottom line. Just for my account that takes about {$7.00} out of my savings each month. Spread this across the millions of accounts Bank of America has and they are likely taking millions of dollars from their customers.
Product: Credit reporting or other personal consumer reports

This has been an ongoing struggle, problem with Experian credit reporting agency as to correctly reporting accurate information on my credit report, directly related to an account with XXXX XXXX XXXX XXXX XXXX opened in XX/XX/XXXX. After paying off this account, with a XXXX balance update as of XX/XX/XXXX, I then closed this account but somehow, it was sold to XXXX XXXX. Eventually, this account somehow is being mixed up with another persons account information as to balance of {$7600.00}. As seen and noted in my credit report, this original creditor, XXXX XXXX XXXX XXXX with a XXXX balance then was taken over by XXXX XXXX with a balance. This information being reported by XXXX XXXX/ XXXX with same account # XXXX but with a balance of {$7600.00} and seen as written off/ charged off is to be removed immediately. The only XXXX account that should be reported on my Experian credit report is XXXX XXXX XXXX with XXXX # XXXX with a XXXX balance and was closed should be the only account shown and reported. Ive disputed this several times without relief. This is hurting my fico score and this XXXX XXXX report must be removed immediately
Product: Payday loan, title loan, personal loan, or advance loan

I was unable to use the feature and called about it they said they was having a glitch next thing I know the option was gone I called about the issue on numerous occasions and they said I unenrolled when I explained that I hadn't and I have even a federal agency and hospice to back up my word and asked what day this occured on they could not tell me a date it's not in their records Ibut it is in their records that I had to call and reset my password to access my account and the company still refuses to give me access back to what I did not authorize and they allowed someone else do that I didn't authorize Chime has messed with my account won't fix it and I have asked on several occasions to put mypay back and they want to investigate i am filing a police report on fraud and identity theft because nobody had authorization to be on my account to do this
Product: Money transfer, virtual currency, or money service

Money taken from my balance Scammed by others and companies XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX Bank of America keep say Say im fraud some has used old accounts I cant get access to my number XXXX XXXX my account number XXXX I want make report my stay as it because someone keep Change it
Product: Credit card or prepaid card

I have a Wells Fargo " Cash on Demand '' credit card with Wells Fargo that i've had for quite some time. I recently paid this account off per the statement i received from Wells Fargo. I was later notified that this account was reported late to the three credit reporting agencies. I called Wells Fargo on XX/XX/XXXX to understand how i was reported late after just paying the account off. I was told that there were residual interest charges that weren't reflected on that statement. I informed the customer service representative that i had not received any statement reflecting those amounts ( or i would have paid ). I was told that the statement that would have shown those charges was " supressed ''. I asked why and the customer service agent could not give me any detail and told me " you know the post office has been having issues lately ''. On that call, i went ahead and paid the remaining amount to ensure that there are no further issues. However, I was still reported late to all three credit reporting agencies. I do not believe i was properly notified of this issue in time to ensure i did not go 30 days late on this account and i still don't understand why this particular statement would have been " supressed '' when previous statements were not. I am requesting that Wells Fargo update their reporting with all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) to remove the reported late payment.
Product: Student loan

I have asked Navient numerous times to explain the loans attached to my account as I do not think they are accurate -- it 's impossible to get someone on the phone.