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

I would like to dispute the following negative accounts on my credit report. 

TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a payment to XXXX via the U.S.P.S I usually do not send my payments through the mail but I was going out of town and just dropped it in the mail. I was out of town for a while and when I returned home XXXX XXXX had damaged my home. So I had to stay with friends and relatives because I have XXXX and there was mold in my home. After we were able to move back home I looked through all of my mail that had accumulated during our absence and I found an envelope from the post office. The contents of the envelope contained a mutilated/water damaged check that I had mailed a few months ago. I really did not dawn on me that XXXX did not get the payment that I had previously mailed until I checked my credit score. I found out that I was late for two months. I called and explained what had transpired with the post office and offered to send them the letter from the post office showing that the payment was destroyed. They said there was no need for that and that things happen. On the last phone call the gentleman was going back and forth with the investigation team while I was on the phone that I spoke to said they will fix the lates. However, I received a phone call and was told that they were not going to fix the 2-thirty day lates. I then asked the representative to listen to the call since it was stated that the lates would be removed she said the calls are not always available and she has no access to listen. I asked why do they record calls if you ( the customer and the employee ) have no way to hear them? She told me they are not always available to listen to.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XXXX XX/XX/XXXX -- {$62000.00} XXXX XXXX XXXX XX/XX/XXXX -- {$54000.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$6200.00} XXXX XXXX XX/XX/XXXX -- {$6200.00} XXXX XXXX XX/XX/XXXX -- {$6200.00} XXXX  XXXX XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XX/XX/XXXX -- {$510.00} XXXX XXXX XX/XX/XXXX -- {$510.00} UNAUTHORIZED INQUIRIES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I added {$150.00} to my Cash app and two minutes later it got taken out. I tried to for seven months to get my money back and theyve been giving me the runaround and then now theyre telling me that I can not get my money back and I have to get something from XXXX because somebody ordered it from off of XXXX and a different freaking state. They wan na give me my money back. I keep calling I keep doing Claims they just will not give me my {$150.00} but I get no information and I get the runaround sometimes they even hang up on me. I have talked to a supervisor and a specialist and I still cant get my money back.
Product: Payday loan, title loan, personal loan, or advance loan

I had tried to create a {$400.00} loan online with Crestline Finance, but they wanted to charge me approximately {$38.00} to deposit the money into my account. Instead, I opted for a check pickup at XXXX XXXX  XXXX in XXXX. 

The XXXX XXXX XXXXXXXX store wanted to charge me approximately {$29.00} to cash the check. instead, I opted to deposit the check into my account. 

I had until the XXXX of XXXX to repay the loan. I was able to deposit the necessary funds into my account and have the bank send a check to Crestline finance to pay back the principal, interest, and the remaining account fee with an overpayment of {$3.00} Having paid off the loan, and still needing some more short term relief, I had tried to reloan another {$400.00}. instead of being able to reloan, I encounter some restriction stating " Awaiting Closeout Letter '' barring me from being able to reloan for a week. with the ruse that they had to wait for the check to clear. 

I believe that the real reason is because they had not made any of the usury fees to deposit/withdraw the cash, and they are punishing me for being to smartly maneuver the system in a cost effective manner. 

They offer a loan with a low interest rate, but they only way to receive and repay the funds is through these high costing methods. 

I see this as a thinly veiled attempt to be able to claim that they are not charging usury interest rates, by instead charging usury processing fees
Product: Credit card

I made a {$57.00} purchase in XXXX 2016 with a Citibank credit card. The balance prior to this purchase had been XXXX for several months. I did not receive a statement reflecting this charge even though my address was correct on file with the company. I realized I had not received a statement and went online to pay the balance on XXXX/XXXX/2016. I requested the late fee be waived. I have good standing with all my credit. I was told to request it through the online email on the Citibank site which I did. When I did not receive an answer I spoke to a representative on XXXX/XXXX/2016. I was told it could not be waived. I requested the account be closed. I was told by the representative that no further fees or charges would be made to the account. Since that time an additional {$25.00} late fee and another {$37.00} late fee was made to the account. This brought the balance {$89.00} which included interest fees on a {$57.00} charge that was paid. It has taken several phone calls and requesting to speak with supervisors to get any resolution. I was told they would only waive the {$37.00} late fee the most recent if I would pay the balance by the end of this month. I have therefore paid {$50.00} plus interest of {$2.00} to get them to close the account permanent as original asked and told would happen. I am currently hoping that this has actually taken placed as promised. I am appalled that a credit card company can continue to make late charges on late charges when the purchase has been paid and account requested to be closed to prevent further late charges. I was told by the supervisor that the late fees would continue to accrue regardless of my complaint or request to close the account regardless of what the representative that closed the account said.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account XXXX and 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: Vehicle loan or lease

I Purchased the car XX/XX/XXXX with a Loan Amount : {$29000.00} financed by Exeter Finance for a Loan Term : 72 months ( scheduled payoff XX/XX/XXXX ). I was granted XXXX Extensions during the term of the loan ( pushing payoff to XX/XX/XXXX ) Despite making my final scheduled payment in XX/XX/XXXX, I was unexpectedly billed {$11000.00} as " accrued interest '' on deferred payments. At no point during the extension process was I informed that additional interest would be capitalized in this manner. My attempts to dispute this charge have been met with resistance, and Exeter has since charged off the debt, damaging my credit, and has placed my vehicle for repossession.
Product: Debt collection

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy
Product: Credit card or prepaid card

I am writing to your agency in hopes you can help me with some charges on my Bank of america card previously disputed with you guys. I would like to know the status of the disputes. I am   XXXX   and I do not owe a computer, no electricity or internet and I am not com puter literate. Communication is kind of difficult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for online services, meanwhile I told them I didnt own a computer, they said it wouldnt be a problem they would do all the work for me, and they did disappeared after, I tried to contact them many times to see what was going on, and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disputed with  Bank of America were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXXDate of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows 7 late payments but the information is not consistent across all Experian, XXXX  and XXXX which is causing me to not get approved for a home loan. XXXX told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$950.00} XXXX   XXXX {$15000.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a loan previously with this company XXXX. It was a personal loan of XXXX I opened back in XX/XX/XXXX paid off XX/XX/XXXX. I never missed a payment with them, yet, it doesn't show positive account pay off. 
They also have listed another XXXX loan that was taken in XX/XX/XXXX. That depending on my credit report there is one or no payment made to this account. Then it went to CO. I did not take a loan out during this time, nor did I use XXXX. Later that account, this information was sold to another company. So, my information was shared to yet another company without my knowledge or consent. I have been doing credit research and working with credit repair companies ( XXXX  ) since XX/XX/XXXX. I have sent letters and made calls to XXXX. I'm redirected to this new company that I have never had any communication with. I receive no response. And I have had only further and greater impact to my credit and lifestyle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian over 60 days ago regarding some information on wanted on my credit report removed. They never replied. Then I sent a letter more than 30 days ago and still no reply. I have attached my Florida State ID as proof of my Identifcation.
Product: Credit reporting or other personal consumer reports

Credit Inquiries/ I did not authorize for this. Please remove from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Credit Bureaus stated my account was properly investigated but how is that even possible if the open date, date last active and date last reported is not accurate? This is ground for removal and now has forced me to receive documentation from the actual financial institute even showing I've attempted to settle this as the Bureaus tried saying it was on the institution and not them. I also have an entire transcript with a supervisor at XXXX in regards to this repeated issue and requesting to speak with the supervisor of one of the financial institutions I was also on a separate call with trying to solve this issue however that was against the institutions protocols. They also violated the law because according to 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions. I did not give any written instructions.
Product: Credit reporting or other personal consumer reports

Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Urgent Request for Immediate Removal of Fraudulent Account XXXX XXXX XXXX Dear executive office I am writing to you on behalf of my client, XXXX XXXX XXXX XXXX, regarding a serious matter that requires your immediate attention. It has come to our notice that there is a fraudulent account listed in XXXX XXXX credit profile. This account does not belong to him and has been reported without his consent or knowledge. Therefore, we are formally requesting that you take immediate action to remove this account from his credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, consumers have the right to dispute inaccuracies in their credit reports, and it is your obligation to investigate these disputes thoroughly. Furthermore, should the information be found to be unverifiable, you are required to delete it from the consumer 's file. 

Additionally, the presence of erroneous information violates the Uniform Commercial Code ( UCC ) regulations regarding the accuracy and reliability of credit reporting ( UCC 9-501, et seq. ). Any failure to comply with federal regulations and laws governing credit reporting may expose your organization to significant legal liability, including but not limited to lawsuits as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

My clients name must appear accurately on his credit profile ; if there are discrepancies, all associated accounts must be removed without delay. Failure to address this issue promptly will force us to take further action, including but not limited to filing a lawsuit against your agency and seeking damages for violations of the FCRA and any applicable state laws. 

We expect confirmation of the removal of this fraudulent account within 30 days of this letter. If you fail to act accordingly, we will not hesitate to escalate this matter to protect my clients rights and interests. 

Please consider this letter our formal request to rectify this situation immediately. Should you have any questions or require further documentation, do not hesitate to contact me directly at [ Your Phone XXXX ] or XXXX. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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
Product: Mortgage

We have been dealing with RCS for the past year to complete a short sale. We did have an open Bankruptcy XX/XX/XXXX due to financial hardship and to help us with XXXX selling our property. In XX/XX/XXXX RCS files a motion to release property from the Bankruptcy. According to them it was released, but we were never notified. In XX/XX/XXXX with had submitted a strong buyer qualified to close on the purchase of XXXX XXXX XXXX in XXXX XXXX California. RCS Bank order the appraisal and reviewed the offer. On XX/XX/XXXX RCS counter offer at $ XXXX. We then submitted the buyers counter at $ XXXX after we had his inspections done. RCS requested more financial documents from us plus a payoff from XXXX XXXX Bank which took 2 weeks to get. All the info was sent a few weeks later. However on XX/XX/XXXX RCS canceled the Short Sale and put it up for auction to foreclose XX/XX/XXXX. All we need is a few weeks for RCS to allow them to finalize the approval of this short sale. However they said they need 37 days to review an offer prior to sale date. We tried to speak with supervisor and we were told they were busy and there is nothing we can do. I always try to be positive and do the right thing. We do NOT want this to go to foreclosure and we are asking RCS to conduct their final review of the short sale since we were at the end of the approval process. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX admitted in the last complaint through the CFPB that the is not contractual obligation to pay because myself and XXXX XXXX does not have any form of a contract. Please read the respond of the attachment. 

Also, the debt was never validated. The ledger XXXX XXXX claims to show proof is false. Attached is the ledger from XXXX XXXX and an account history that shows the disbursements from my loan provider. The disbursement highlighted shows a different amount and date than the refund XXXX said were provided which is also highlighted on the ledge XXXX XXXX provided. In order to validate a debt, a contract between the parties must be signed and dated, all details must be correct, and provided through documentation. 


XXXX XXXX failed to provide any form of any contracts between myself and the company. However, XXXX has proceeded to collect on a false debt not owed to them and continues to place negative information on my credit reports for years. Therefore, I am not legally liable to pay any monies to this company. The harassment must stop
Product: Credit reporting or other personal consumer reports

INNVESTIGATE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INVESTIGATE THESE ACCOUNTS XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding multiple violations under the Fair Credit Reporting Act ( FCRA ) Section 623 by XXXX XXXX XXXX XXXX and XXXX. Below, I have detailed the issues observed on my credit reports with XXXX, XXXX, and TransUnion. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Illegal Re-aging on XXXX and XXXX : The last activity reported on my XXXX credit report is listed as XX/XX/XXXX. 
The last activity reported on my XXXX credit report is listed as XX/XX/XXXX. 
However, XXXX 's 2-year payment history shows two instances of being 60 days late, which is not reflected on XXXX, indicating a discrepancy and potential illegal re-aging. 
This inconsistency violates FCRA Section 623, and I request the removal of this false information immediately. 
XXXX ( Account # XXXX ) Violation of Reporting Standards : TransUnion shows this account as past due, whereas XXXX and XXXX both show it in good standing. This discrepancy constitutes double jeopardy and is a form of illegal re-aging. 
TransUnion reports the last activity as XX/XX/XXXX. 
XXXX reports the last activity as XX/XX/XXXX. 
XXXX reports the last activity as XX/XX/XXXX. 
Additionally, there are numerous inconsistencies in the 2-year payment history across all three credit bureaus, further indicating inaccuracies and reporting errors. 
Given these multiple violations, I request that the inaccurate information be corrected or removed from my credit reports immediately. 
These discrepancies and reporting inaccuracies have caused significant distress and have adversely impacted my creditworthiness. I urge the CFPB to investigate these matters promptly and ensure that the reporting entities comply with the provisions of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; 30 day late XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ; & XXXX XXXX 60 days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.