23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On my credit report the the company ( XXXX XXXX XXXX [ closed ] /XXXX XXXX XXXX ) states that I owe {$10000.00}. I spoke to a rep in the repo dept department at XXXX and he said that I only owed {$3200.00} ( estimated ). That 's the first complaint. Second complaint is the fact that XXXX XXXX XXXX never notified me of the selling of my account. Third complaint, this company is reporting me as being late several times throughout the loan when in fact ... I was never late a single payment until I lost my job. The company repo'ed my car causing me financial hardship and severely affecting my credit worthiness in getting another vehicle. I tried to communicate with the above company to no avail. They were n't hearing anything that I had to say. I called several times and each and every rep was extremely rude and totally heartless. Please remove this company from my credit report.
Product: Checking or savings account

I filed a dispute # XXXX  with Bank of America on XXXX XXXX XXXX. Booked a room on XXXX and when we arrived we noticed ants, frogs and mold in our room. We reached out to the property and no response so we left and check into another room. Reached out to booking to report problems and they reached out to property with no problem. I faxed in my pictures and conversation to the claims dept through XXXX called and confirmed that they received my fax. Received a response for my dispute almost 90 days later and none of my evidence was included or did they check out my dispute, so I asked to reopen the case. Case reopened and they still denied my case without looking at what I'm disputing. I'm still out of over {$300.00} from this. The claims department really sucks
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, the accounts listed below have breached my federally protected consumer rights on accurate credit reporting. 

XXXX XXXX # XXXX is in violation of the Fair Credit Reporting Act by inaccurately reporting information to XXXX, XXXX, and Experian. 

Upon reviewing my credit report, I observed discrepancies in the last activity dates- XX/XX/XXXX, with XXXX, XX/XX/XXXX, with XXXX, and XX/XX/XXXX with Experian. Furthermore, XXXX  XXXX has Inconsistencies in my payment history across the three bureaus, which contravene the Federal Credit Reporting Act. For Instance, XXXX  XXXX, reported a timely payment on XX/XX/XXXX, to XXXX but failed to provide any record for the same date on Experian and XXXX. Similarly, the reported on-time payments for XXXX to XX/XX/XXXX to XXXX but omitted this information from Experian and XXXX. Additionally, XXXX XXXX 's payment history percentages differ across bureaus- claiming a 98 percent payment history for XXXX XXXX while indicating 94 percent for XXXX AND 93 Percent for Experian. These inconsistencies require immediate correction to align with the accurate reporting standards mandated by the Fair Credit Reporting Act. I would like this removed totally from my account. 

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer Reporting agency can not furnish an account without my written instructions.
Product: Student loan

I attended  XXXX   XXXX   XXXX   XXXX ,  XXXX  through  XXXX ,  XXXX  and received my   XXXX   in  XXXX   XXXX   XXXX   XXXX  with a GPA of  XXXX . In talking with the recruiter, I feel I was wrongly advised to take on loans which I was not, and would not be after graduation, prepared to repay. When I was nearing graduation, I sought help with the job placement department and was told to wait until my final quarter until I could receive any help. I found the jobs I was offered to be very low in wages, nothing near the advertised salaries for graduates in my field. I was told that  XXXX  had a close relationship with employers, who had several training points that  XXXX  would train us on but upon entering the job market, I realized the technology I was taught was outdated and too broad to be considered useful in the real world.     I took out federal as well as private loans. My private loan amount, with  Peaks Private  Loans, totals {$11000.00}. I have been trying to pay off my loan for the past four years since graduation, with some forbearances in between, but my payments are never enough to catch up to the interest that accrued during my forbearances. I no longer have any forbearance left to pay and my income-based payment amounts are not sufficient to pay off any of the principal. I am drowning in debt and contacted regularly by Peaks to repay this loan which I deeply regret taking out.       The education I received was incredibly lacking and was catered for the students who were doing the bare minimum. All too often, when asking clarifying questions, the teacher would tell me they did not have the time to answer my question or that the curriculum did n't allow for such depth of knowledge.   In class problem solving was not teaching me the way the technology worked, it was a controlled environment, meant for the laziest of students to find the obvious answers. When I asked the teachers for help with problem solving, I was told to confer with my peers, who were just as unprepared as myself. Our team would tirelessly work to solve the problem, unable to learn the principle. Other students, who chronically misbehaved and underperformed, were given a passing grade for doing much less work. We all received the common denominator level of education. My education was largely the result of my own efforts, reading the text book several times over, doing independent research online on the subjects. In class learning was a very base level education on outdated technologies, and in way too many fields of study. There was not sufficient time to learn any of the topics as the curriculum was constantly moving onto the next field with the very broad " computer and electronics engineering technology '' area of study.            XXXX   XXXX
Product: Mortgage

ON XX/XX/2019 XXXX XXXX OF NATIONWIDE MORTGAGE BANKERS INC ORDERED A VA APPRAISAL OF PROPERTY XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX. THAT APPRAISAL WAS ASSIGNED TO AND COMPLETED BY XXXX XXXX OF XXXX XXXX XXXX, XXXX THE FINISHED APPRAISAL REPORT WAS UPLOADED TO THE VA PORTAL ON XX/XX/2019. THE AMOUNT OWED FOR THIS COMPLETED SERVICE IS {$520.00}. NUMEROUS ATTEMPTS OF COMMUNICATING THIS DEBT HAVE BEEN MADE. LATE FEES HAVE BEEN ADDED IN REGARDS TO THIS NONPAYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have sent XXXX different letters to these companies over the last 4 months and almost feel as if I am being ignored. I still have numerous errors listed within my credit report. Please assist in making sure these investigations are being conducted properly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

not getting investigation in 30 days, this is my third attempt address this issues with my credit report.

I have proof of all 3 prior disputes.

disputes include 2 closed account still reporting capital one is a authorized user I am on account.

( FCRA ) 15 USC 1681i ( 5 ) illegal to report late payments and permissible purpose ( FCRA ) 15 U.S Code 1666b despite closed accounts are still reporting all 3 main bureaus are reporting different information reporting dates, late activity dates, closed dats.
Product: Credit card

On my Care Credit account I had some promotional purchases with deferred interest for 6 months, which would have 26.99 % interest if not paid off by the end of the promotional period. I also had some purchases with fixed payment reduced APR until paid off. According to my XX/XX/XXXX statement, I had XXXX promotional purchases totaling {$650.00} and XXXX reduced XX/XX/XXXX balances totaling {$1500.00}. I then paid {$1000.00} prior to the XXXX XXXX due date, expecting that this would completely pay off my promotional balances and also make a dent in my reduced APR balance. When I received my XX/XX/XXXX statement, I found that only {$15.00} of my {$1000.00} payment had been allocated to the higher-interest promotional balances, and the rest had been applied the lower-interest balances. I contacted Synchrony Bank by phone and a representative said he was fixing it so the payment would be applied to the promotional balances. He had no explanation for why my payment had been allocated improperly in the first place, other than that this was the way the computer processed it. He had no explanation for why the computer had been programmed to process it this way, or whether this has happened before, or how many other people it has happened to. I request that this be looked into to find out if Synchrony Bank is routinely engaging in this kind of practice to keep customers from paying off promotional balances in time so they can collect the high interest on those balances.
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing a new car ; therefore, I have reached out to the credit bureaus, asking them to verify these accounts. I also asked if they can do an investigation on everything on my credit report. After doing there investigation they stated that and they did. The major credit bureaus stated that everything was reporting correctly which was not the case, therefore, I would like to know what method was used to verify my account because there are a lot of inconsistences with reporting dates, and dates which accounts were open on my credit report. How is this information accurate if its showing differently on my credit reports, shouldn't it be the same across the board? I was advised that my credit report show be accurate across the board and should not have any discrepancies, and there are several in my case. 

As a consumer ; I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 168i ( 7 ) method of verification -description of reinvestigation procedure. 

According to the Fair Credit Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) theses accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$280000.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  is not mine FTC violations
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the immediate deletion of an inaccurate and unverifiable account from my Equifax credit report. The account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Open, Derogatory Upon review of this account, I have identified several inaccuracies and legal violations under the Fair Credit Reporting Act ( FCRA ). These errors have caused significant harm to my credit profile and require immediate resolution.

1. Contradictory and Unverifiable Information Account Type : Listed as " Collection, '' yet the account is marked as " Open '' with a status of " Derogatory. '' Creditor Type : Identified as " Factoring Companies, '' typically third-party debt collectors, but no original creditor information is provided ( " -- '' ). 

Under FCRA Section 1681e ( b ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. The contradictions in this account 's status and missing information render it unverifiable.

2. Outdated Payment Status Reporting The account reports a " Late 120 Days '' payment status as of XX/XX/XXXX, yet it continues to appear as " Open '' on my report with no activity since then. This violates : FCRA Section 1681c ( a ) ( 4 ), which limits the reporting of adverse information ( e.g., late payments ) to seven years from the date of delinquency.

FCRA Section 1681s-2 ( b ), which requires furnishers to update and correct information in a timely manner. 

3. Dispute Notation is Misleading The account includes the remark, " Consumer disputes this account information, '' yet there is no record of resolution or verification provided.

Under FCRA Section 1681i ( a ) ( 1 ) ( A ), disputed accounts must be investigated within 30 days, and any unverifiable information must be deleted.

FCRA Section 1681i ( a ) ( 5 ) ( A ) mandates that unverifiable accounts be removed from the consumer 's report. 

4. Date Inconsistencies Date of Last Activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These dates are contradictory and suggest either inaccurate reporting or fraudulent account activity. Per FCRA Section 1681e ( b ), this must be rectified, or the account must be deleted.

5. Unverifiable Collection Account The account is labeled as a " Collection '' with no original creditor listed and no validation provided. This violates : FCRA Section 1681s-2 ( b ), which requires furnishers to verify the accuracy of collection accounts.

FDCPA Section 809 ( b ), which mandates that debt collectors validate the debt upon request. 

As the account remains unverifiable and inaccurate, it must be permanently removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Product: Checking or savings account

Today XX/XX/year> i transferred XXXX in to my account making my balance XXXX i spent XXXX dollars and my balance is now XXXX. I have the alerts it tells me what I spend and when it comes out. I called the bank and they are trying to tell me its a pending charge that came out however it did not come out today I have no alert and I have never swiped my card and something come out days later. I looked at my card before I used it at the gas station and know the balance before and what it was supposed to be after I have XXXX dollars missing. they hung up on me and told me they cant help me any further because I wanted to speak to a supervisor
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I was in XXXX XXXX and unknown African-American ( AA ) female of about XXXX  years of age struck up a conversation with me, while I was XXXX  years of age. The unknown AA female offered to file me on her taxes for a fee and I agreed to the illegitimate transaction, due to my homeless status at that time. Years later, I was denied a XXXX XXXX XXXX XXXX telephone purchase, due to unlawful use of my name on various credit accounts possibly by this unknown AA female. I've also been denied rental options, due to unlawful use of my identity for credit, housing, college loans, bankruptcies, foreclosures, medical charges, auto loans, etc. I don't know this unknown AA female, but can you help me with addressing this issue and blocking this individual from continual misuse of my personal information. I have a housing voucher that I can't use at the present time, because when property owners run my credit check a long list of judgments are present. I'm stuck because I don't know the identity of this woman, who abused my naivete and blind trust. At that time, I was homeless and gullible for an opportunity to earn some money. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX XXXX  Accnt # XXXX has violated my rights XXXX XXXX XXXX ACCNT # XXXX has violated my rights XXXX XXXX Accnt # XXXX XXXX  Accnt # XXXX has violated my rights XXXX XXXX Accnt # unknown has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX Accnt # XXXX has violated my rights XXXX XXXX XXXX  - Public Record has violated my rights 15 U.S.C 1681 section 602 A : states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : 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 items of information ; adverse item of information of than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consume rto any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX NO CREDIT SCORE 2 HARD INQURIES STILL POSTED TO MY ACCOUNT. NEED 2 HARD INQURIES REMOVED IMMEDIATELY AND A CREDIT SCORE POSTED OF XXXX AND BETTER I ALREADY SUBMITTED IDENTITY THEFT REPORT
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at ali The only way communication ammounts other with common ownership it must be clearly and XXXX  disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Innovis XXXX XXXX XXXX XXXX, PA XXXX FAX XXXX To Whom It May Concern : Under the Virginia Bill of Rights, I have the right to put a security freeze on my credit report. 

This is my official request to have security freeze put onto my account. 

On or around XX/XX/XXXX, I contacted XXXX XXXX to submit a fraud complaint regarding three charges on XX/XX/XXXX, XXXX, XXXX. When submitting the complaint, I explained I was unaware of the charges and had not authorized payment, and I had not signed any sales slips. After XXXX refused to cancel the billed amounts, I complained to CFPB. XXXX responded by suggesting I contact XXXX XXXX, XXXX, XXXX, and Innovis. Since there are no signed sales receipts, XXXX has committed fraud. I have attached the paperwork needed for your review. 

If this matter should reflect negatively on my credit account, I will seek protection under 15 US Code Chapter 41 for protection if necessary. 

Sincerely, XXXX XXXX
Product: Mortgage

Hello, My name is XXXX, and I am experiencing significant financial difficulties due to my low income and the responsibilities of caring for my family. I am unable to make my monthly mortgage payments and would greatly appreciate assistance in reducing them or providing me with time to repay my loan. 

I am currently struggling with XXXX and am overwhelmed by my financial burden. I would be grateful if you could consider my request and provide any support you may be able to offer. 

Thank you for your consideration. 

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

OCWEN HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.