23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my free credit report from credit report.com. I was told electronically from that site to verify I have a XXXX department store card and a car loan which I have neither. 

I then called XXXX  for my credit report. They told me they needed more information. I faxed them all of my personal information which included my drivers license, social security card and birth certificate. I never heard back from XXXX and when I called them they transferred me endlessly and I never got the opportunity to get confirmation that my documents were received. Nothing was ever resolved with XXXX. At that point I just gave up. I spent at least XXXX dollars faxing all my information to XXXX  for basically nothing. 

I established my social security account today if that helps. I only have a checking account. I have no credit cards or loans. Im a XXXX XXXX XXXX college student who still lives at home. I really want to see whats on my credit report. I have never seen it and want to resolve any discrepancies there may be if any. Thank you for any help you can give me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Last 4 of social : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Attn : Customer Relations Department Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Re : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX UPDATE TO OPEN AND NEVER LATE 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX PAID CLOSED NEVER LATE I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to request the immediate deletion of certain items from my credit report that were added as a result of the XXXX data breach, of which I was a victim. 

XXXX has acknowledged my inquiry and confirmed that my personal information was compromised in their data breach. As a result, they have removed the fraudulent items from my credit report. However, these same items still appear on my Experian report. 

I am attaching proof of XXXX 's acknowledgment and their actions to rectify the situation by removing these items. I kindly request that Experian take the necessary steps to delete these illegal accounts from my credit report as well. 

Please review the attached documentation and update my credit report accordingly. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card

I was checking prices of the hotel room through XXXX website and XXXX. The price that XXXX ( rerouted to XXXX ) was showing was slightly less than that of XXXX so I thought I would book directly through them. On the website I needed to provide my billing information prior to seeing what the final cost with taxes and fees. After providing my credit card number the final cost appeared on my screen of {$980.00} and it included over {$300.00} in additional fees from what they showed on their website and from the cost on XXXX. I had expected additional fees but that is excessive. I immediately stopped the transaction, never clicking on the PAY button on the booking site and immediately logged out. Within moments I received an alert that a charge of {$980.00} had been made to my credit card. I immediately reported it as a fraudulent charge to Citi Bank Credit Card and then I immediately called XXXX customer service and explained that I had not completed the booking process so did not intend to accept these charges. No more than 2 minutes had passed since I exited their website. The customer service representative offered to give me a slight discount but no where near the additional {$300.00} + charge that appeared from the original price. After a very lengthly conversation with the representative, and receiving no satisfaction I informed her that I would be disputing it with my credit card company. Their records will show that the room was not used. 
I sent a dispute claim to Visa. They contacted XXXX who denied the dispute so Visa refused to cancel the charges. I contacted Visa a second time informing them that it was a fraudulent charge on my card. They again contacted XXXX who again refused a refund. 
After researching XXXX I am confident that this is not a disputed claim. This is fraud. XXXX is claiming that since they have a no refund policy they will not cancel the transaction. I never gave permission for the charge. I only proceeded far enough in the transaction to see the final price. 
Upon researching XXXX online I see that this type of fraudulent behavior is not atypical for the company with numerous other customers experiencing similar issues. There is also a class action lawsuit with similar fraudulent behavior as what I experienced. XXXX XXXX XXXX  Even though I have shared this information about the fraudulent practices of XXXX with Citi bank Credit card company they continue to side with this unreputable company and refuse to credit me with this charge. 
I was very surprised that Citi did not support me in this event.
Product: Vehicle loan or lease

i have a wells fargo loan on my credit report that is not valid and i want this removed off my credit report immediately the account never belonged to me and im willing to sue if this does not come off
Product: Checking or savings account

I purchased 2 gift cards, that were {$100.00} each, on XXXX XXXX, XXXX from a local XXXX. I attempted to use both the gift cards, for a purchase amount {$150.00}, on XX/XX/XXXX at a local XXXX XXXX and they both failed to work. I immediately contacted the gift card merchant. On XX/XX/XXXX, XXXX responded to my inquiry with instructions to help resolve my claims. I followed the instructions and responded on XX/XX/XXXX and received an automatic response email stating that I would hear back within 3-5 business days. After not hearing anything back, I followed up again on XX/XX/XXXX and received another automatic response email. Finally, I contacted Capital One on XX/XX/XXXX to file a dispute on the 2 gift card purchases. 

Capital One has denied my dispute and has failed to provide any investigation report detailing why they denied the claim, as I requested. 

Upon request, I can provide all documentation for everything stated in this complaint.
Product: Mortgage

Hi, I recently applied for a mortgage loan through RocketMortgage and XXXX quite appalled with how we as consumers are treated. For starters, I was offered pre-approval loan letter with no interest rate stated on the letter. I feel like this is definitely a violation of the Truth in Lending Act. By law lenders are required to provide information about all fees and charges associated with a loan. This is the same treatment I have received in the past with other lenders when applying for a mortgage loan on single based income and XXXX tired of it. We deserve transparency and fair lending terms. I also have someone else who will be helping paying off the loan with me and he has a much better score than I do and theyre even getting him a hard time by scrutinizing his tax documents ( his losses reported on Schedule C ) and trying to raise debt to income ratios, in order to raise interests and/or to avoid locking in an interest rate. This is not fair and it is extremely frustrating to have to begin the whole process again with another lender.
Product: Debt collection

Grant & Weber claim I owe {$10000.00}. I have never received written notice of the debt or how the debt was incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about inaccurate information reporting on XXXX and Equifax.THE ACCOUNT XXXX XXXX XXXX,acct no. XXXX.... has been disputed many times with both bureaus,the information updates yet is completely in error.Attached here is proof of the errors.Both the equifax and XXXX reports updated within the last two weeks are completely incongruous with each other.XXXX HAS CHOSEN TO DELETE THIS ACCOUNT TO MY SATISFACTION.XXXX shows a paid charge-off with only about 1300 dollars paid in XX/XX/XXXX.the auction value of the repossessed car was far in excess of that amount.EQUIFAX reports that the loan is a charge-off in XX/XX/XXXX when it was paid in XX/XX/XXXX.equifax shows a XXXX pymt in XX/XX/XXXX and a last pymt in XX/XX/XXXX.NEITHER OF THESE BUREAUS HAVE CORRECT FACTUAL INFORMATIONAND THEY MERELY PRINT AND PUBLISH THE INCOMPETENT REPORTER.it is obvious which XXXX discovered that this creditor can not accomplish accurate reporting on this account and must be deleted immediately
Product: Credit card or prepaid card

Dear Sirs, Comenity Bank has made it impossible to see your statements, they add late fees every month that are not warranted, the site will not work at all now for over a month. There are SO many complaints and issues about this company which is now owned by Bread Financial, they never advised their customers of this, meanwhile they still allow you to buy, but there's no way to pay!! It's totally bizarre! Please investigate!! I am working on building my credit, and pay my bills on time, but this situation is intolerable!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to address a concerning issue that has recently come to my attention regarding my credit score. 

Upon checking my credit score through XXXX XXXX Score, I was shocked to discover that it had dropped by XXXX points. This is particularly alarming as I have always been diligent in paying my bills on time and have never taken out any loans. 

In efforts to rectify this matter, I have reached out to both Chase and XXXX, the providers of my credit cards, as well as the credit bureau. Unfortunately, none of them were able to provide me with a satisfactory explanation or resolution. 

Given the importance of maintaining a good credit score, I am now seeking urgent assistance in understanding why this drop has occurred and what steps can be taken to address it promptly. Your expertise and guidance in this matter would be greatly appreciated. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon.
Product: Credit card or prepaid card

I have been a with BANK OF AMERICA customer since 2016 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2016 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, SC XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX XXXX, XXXX & Experian Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above have 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 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX XXXX XXXX XXXX XXXX GA XXXX Remove - XXXX XXXX ( XXXX ) Opened:XX/XX/XXXX, Balance : {$5900.00}, Payment status : Collection/Charge Off - XXXX  XXXX ( XXXX ) Opened:XX/XX/XXXX, Balance : {$290.00}, Payment status : Collection/Charge Off - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( XXXX ) XXXX, Balance : {$4500.00}, Payment status : Collection/Charge Off - XXXX CARD ( XXXX ) XXXX, Balance : {$5900.00}, Payment status : Collection/Charge Off - XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Payment status : Collection/Charge Off, Balance : {$4500.00} Fraudulent Accounts listed : Remove - XXXX  XXXX BANK NA / XX/XX/XXXX - XXXX / XX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey my name is XXXX XXXX XXXX : I am writing because i have disputed inaccurate information on my credit report with the credit bureaus and they STILL will not remove it from credit report. I understand that they have to remove it if it is inccorrect. Will you please view my file and the information so that it can be corrected. 

XXXX XXXX please remove this because there are two seperate credit limits ( {$1900.00} {$0.00} ) XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX   ) : please remove this because the balance is INCORRECT CREDIT COLL ( Original Creditor : 06 XXXX  ) XXXX THIS IS NOT MY ACCOUNT XXXX XXXX   XXXX please remove this because the date of last activity is inaccorect
Product: Credit reporting or other personal consumer reports

I am in disagreement with the Account listed below Which steel appears on my credit report, even after your investigation. I would like this immediately reinvestigated inaccuracies are highly injurious My credit score. 
XXXXXXXX XXXX XXXX } { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXXXXXX XXXX XXXX XXXX  { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXX XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } In accordance with the Fair Credit Reporting act Public law 91506, Title Vl, Section 611.

Please provide the name and business addresses of each individual which whom you verified above so that I may follow up please send me an updated copy of my credit report after your investigation. 
Thank you.
Product: Checking or savings account

I tried to apply for a M & T checking account numerous time, however M & T declined me for checking account. I have had good relation with M & T in the past. I want M & T to provide me with thorough explanation why I can not open my account. 

Sorry, XXXX  unable to open your account. 
We XXXX  able to open your account due to XXXX of the following reasons : Information obtained from a consumer reporting agency XXXX of your previous account history with M & T
Product: Debt collection

contacted me at XXXX XXXX for a debt of {$370.00} that I know nothing about
Product: Debt collection

Meridian Financial Services , Inc . 
Called twice to resolve the issue and both times they hung up. They are charging me over 50 % of what is owed, this is an absolute rip-off! 
On top of that, they want another {$53.00} just to charge a card on line. 
This company should be shut down!
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and was saddened by it because I don't know why unauthorized inquiries are showing up. Please kindly check the documents I've sent regarding this.
Product: Debt collection

They leave no messages. Tried calling number back. " number disconnected '' but get call right back on number. ID says " Synchrony XXXX '' Have received over 50 calls from number for the past 30 days. Listed numberson " Donotcall.gov '' Still calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX. XXXX  XXXX wont give me break down or signatures regarding these collections
Product: Debt collection

I am a XXXX XXXX total and permanently XXXX American Veteran. My only source of income is through Veterans'Administration XXXX. 
O & L Law Group at XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # ( XXXX ) XXXX received a writ of garnishment from the XXXX XXXX Florida Courts to garnish my funds from my accounts with XXXX XXXX XXXX. 
All the funds from my XXXX  XXXX XXXX bank accounts are from my XXXX income with the exception of an insurance check to repair my house that I recently deposited. 
O & L Law Group garnished all of my funds from my bank accounts that they are not entitled to.
Product: Debt collection

I reached out to them and was told they were not sending me anything and I will soon be brought up on charges and arrested in regards to this account also called me out of my name and said niggas like me never pay anyway laugh and hung up
Product: Money transfer, virtual currency, or money service

Paypal banned my account last XXXX XXXX. I complain the legal agreement to permanently limited my account I don't know the reason and ask the costumer service always say I have a violation to the agreement the auto bot always say that no exactly why my account have a violation.My account just only received payment for the services please help me to unbanned my account to paypal thank you in advance to helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense.

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file
in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

This is a follow-on to an inadequately addressed prior complaint. 

My complaint stated that Mr. Cooper failed to credit my mortgage loan account for THREE ( 3 ) payments that I made to XXXX, the prior servicer. Those payments were : 1. {$5000.00} on XXXX XXXX. {$2100.00} on XXXX 3. {$2100.00} on XXXX Mr. Cooper 's response only addresses TWO ( 2 ) of those payments. They DID NOT address their failure to credit my account for the XXXX payment of {$2100.00} that I made to XXXX and that XXXX transferred to Mr. Cooper. 

As a result, my Mr. Cooper account is INACCURATE and fails to include all of the payments that I made to the prior servicer ( i.e., XXXX XXXX. Specifically, my account DOES NOT reflect my payment of {$2100.00} on XXXX. 

Please credit my account to reflect ALL of the payments that I made to the prior servicer. 

LOAN NUMBER : # # # # # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # 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 a account without my written instructions.