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

I received an email on XX/XX/2018 from my Transunion account stating my credit dropped 36 points. I called and was told they could not offer me an explanation as to what caused it to drop, they reviewed the 6 factors that may have cause it, I explained nothing had changed from XX/XX/XXXX to XX/XX/XXXX to  have caused that drop. They offered me a copy of my credit report. Once I received and found no changes from XX/XX/XXXX to XX/XX/XXXX that could have caused a 36 pt drop I called again. I spoke to XXXX ( XX/XX/18 ),  XXXX explained the 6 factors and went over my accounts with me which I explained they were all the same, nothing has changed. XXXX could not give me a reason for the drop, I was transferred to a Supervisor XXXX. XXXX also could not explain why it dropped 36 pts but explained he  would remove a few accounts that would be dropping soon anyhow. About a week later my score went back up to XXXX. On XX/XX/XXXX I got another alert that my score dropped 39 pts and the 1 change in my report was a balance decrease of {$310.00} on my XXXX XXXX. I have been working on my credit for some time now and having Transunion dropping my score by 36 and 39 pts at a time is causing a huge hardship for me, especially when they can not explain why its being dropped. I can not work on fixing a 36/39 pt drop when they can not explain the reasons. I hope you are able to assist me with this issue.
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 XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXXXXXX Account Number # XXXX XX/XX/XXXX ) 15 U.S.C. 1681 Section 602 A states I have 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: Credit reporting, credit repair services, or other personal consumer reports

A  Georgia State Tax Lien  (  XXXX   XXXX   Superior Court ) is  showing on my credit repo rt. Tax Lien i s showing as filed  XXXX / XXXX / 2013 . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and 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 instruction. 

Accounts and Account numbers listed below : 1. XXXX XXXX XXXX- XXXX 2. XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I noticed that the finance company is reporting the same information but with different finance company names and the information is not being reported correctly. I submitted the copies of the credit reports. 

I requested the following information from the financing company, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, no response have been received from the finance company. Please provide the following information or remove debt from my credit report. Under Florida Statutes Chapter 679, which governs secured transactions, and pursuant to Florida 's Uniform Commercial Code ( UCC ), I am entitled to receive certain documents and detailed information related to this process. I respectfully request the following documentation : Final Account Statement / Payoff Statement which should include but not limited to : The remaining loan balance.

The amount credited from the auction sale. 
Any additional charges like repossession fees, storage fees, or late fees. 

Deficiency Notice : The amount received from the auction. 
The remaining balance that you say I'm responsible for ( i.e., the " deficiency '' ). 

Auction Sale Details : The final sale price of your vehicle. 
Any related auction fees or deductions from the sale price. 

Repossession and Sale Fees Breakdown : Towing fees. 
Storage fees ( if applicable ). 
Auction fees. 
Administrative fees related to the sale. 

Loan Agreement/ Original Contract Statement of Payments Made Legal Notice of Default and Repossession : Default notices. 
Notices of intent to repossess. 
Notices informing you of the auction. 

Letter of Intent to Sell or Auction Notice Please provide these documents within 30 days as required by Florida law. If you do not provide the requested information, I will be forced to consider legal action to resolve this matter, including filing a complaint with the Florida Office of Financial Regulation and/or pursuing further dispute resolution. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documents as soon as possible. If you require any additional information from my side, please do not hesitate to contact me via email XXXX Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

The credit bureaus continue to report incorrect information, despite all my efforts to ask them to investigate, they have not responded to my complaint. They haven't sent me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes in XX/XX/XXXX and XX/XX/XXXX with Experian directly for inaccurate tradeline data regarding a closed account and they have not complied with FCRA guidelines on any of their responses nor have they resolved my concerns. XXXX XXXX account is closed/paid, however they are reporting it as OPEN- allowing HISTORICAL ACCOUNT INFO - No terms apply to closed accounts, Date Closed, High Credit, Activity Designator ( drive last state ), Activity Payment Amount, Date of Last Activity, Charge Off Amount, Pay/Balance/Rating is blank. These fields are used to calculate scores. Please resolve this inaccurate account - verification, and your data is driven by FCRA. Please fix/delete. programming to use comments is never done and should not be done as a resolution.
Product: Debt collection

To Whom It May Concern, I dispute your claim and request your validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide a breakdown of fees, including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA.

Send me proof that you are licensed to collect debt in my state.

Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I refinanced my FHA mortgage to XXXX XXXX XXXX. The refinance resulted in ARM of more that 10 %. My payment went from {$1300.00} to {$1900.00}. Within 4 months of the refinance with XXXX, I received notification that loans servicer was transferred to XXXX XXXX XXXX. In XX/XX/XXXX, I sought XXXX 's assistance and received a loan modification which converted my ARM to a fixed rate of 5.125 %. I had a hardship in XX/XX/XXXX and obtained a modification agreement requiring a trial period of 3 months. Due to another hardship in XX/XX/XXXX I obtained another modification which required a trial period on XXXX payments. I made the first 2 payments timely however failed to make the third payment by the due date. This was because my wages were being garnished at the time of the trial period. Nationstar returned the 2 payments. Later in XX/XX/XXXX I contacted Nationstar to ask if I could re-apply for a modification. I was informed that I was able to re-apply. I reapplied and was granted an in-house modification rather than a HAMP Tier I or HAMP Tier II. I was denied the HAMP Tier I because I received the maximum number of modifications permitted under the modification program. However, I dispute this because I was not granted a modification in XX/XX/XXXX due to my failure to make all the payments on time during the trial period. Further, I have concerns about the initial integrity of the XXXX XXXX XXXX. Lastly, I did not experience any reduction in my mortgage payment through any of the modifications offered by the lender.
Product: Credit card or prepaid card

My problem is with Chase Credit Service ; I DO NOT have a Chase Credit Card. The fact is that I'm getting 3-4 Chase Credit Services calls from 5 different states. I answer ; nothing but silence. Will you help me stop this harassment? Can I legally go after them for this? The calls are as follows ; all 2019 XXXX Illinois ( XXXX ) XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX Illinois ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX Texas ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Florida ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX Arizona ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Missouri ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 ( A ) ( 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.
Product: Credit card

I received a Capital One XXXX XXXX letter in the mail. It advised if I signed up and spent {$6000.00} within XXXX  months I would receive XXXX miles. I spent over {$6000.00} within a week and only received XXXX miles. I tried calling multiple times and my concerns were dismissed. XXXX supervisor went so far as to tell me this promotion doesn't exist per marketing. I offered to email them a copy of the letter and they advised o XXXX there can receive emails. I filed a report with them and never received a response. I also filed a complaint with their ethics and compliance dept. And never heard back from them either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this vehicle off and 6 months early at that!! There is something wrong here!! They sent in a report that said we were late on vehicle payment. This is not true!!! I made an extra {$4200.00} payment alone in XXXX and then paid it off in XXXX. I've never ever missed a payment on anything and I've been making extra payments. I just got the title yesterday. Never got anything saying I was late on anything. How dare you!! Please look this over again and take this off my credit report and my husbands!! Someone made a mistake and I will got to an attorney if this isn't fixed because it is an error.
Product: Debt collection

No Proper Debt Validation : AR Resources Inc has not supplied the necessary documents to validate the debt. 

Inaccurate Reporting : AR Resources Inc reported a debt without proper validation, negatively affecting my credit score.

Proof of Signature : I requested proof of my signature on the original contract but have not received it.
Product: Checking or savings account

I opened a ally account to use XXXXwhich I now transferred the info to my XXXX XXXX  to use their XXXX the person on the phone was rude as XXXXdemanded to know why this person sent me money, what it was going to use for, and now they want to add her to my account they locked me out of my acct. 
froze the XXXX that was sent to me-it is none of their business what I am using the money for I want it transferred to XXXX, because I dont like their attitudes
Product: Credit reporting or other personal consumer reports

I was in the process of buying a vehicle already had a pre approval ask that my credit do not be ran with other companies besides the one i was pre approved for which they decided to do as they want and run my credit XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank
Product: Vehicle loan or lease

Purchased vehicle from Volvo Cars XXXX XXXX on XXXX XXXX. The dealership forgot to include sales tax in the deal and requested me to sign a new contract before I would be able to get my registration and tag. Volvo Cars XXXX XXXX has not sent the the title or registration to the bank as of XXXX XXXX. Additionally, a service contract was included in the contract but i was never given the terms or disclosure for this contract and it is in my right to have it cancelled and refunded, but Volvo Cars XXXX XXXX has not responded to my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt XXXX  XXXX/ XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus. XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below
Product: Consumer Loan

My trouble began in  XX/XX/XXXX . Company did not bring my account current when I completed my payment arrangement as agreed in  XX/XX/XXXX . As a result, I was charged additional fees in   XX/XX/XXXX , along with, a default letter fee of {$200.00} filed with additional fees, filed in  XX/XX/XXXX . The balance due in  XX/XX/XXXX  included  invalid fees that were included in the payment plan already completed. I refused to continue paying the company on a incorrect account balance. In addition, the Company could not tell me if I continued to make payments on an incorrect balance, how am I assured payments would be directed to the correct items due. They could not answer that question. I requested for the rep to submit my dispute and to remove ALL fees, ALL default letter fees and ALL late fees since my account has not been accurate since the payment plan ended in  XX/XX/XXXX . I was told on  XX/XX/XXXX  that my account was not " adjusted '' until  XX/XX/XXXX . Therefore, the Company was asking me to continue to pay on an incorrect balance. I was advised by  XXXX  that my current balance included previous fees that should have already been paid off with the previous payment arrangement. Company continues to send me statements that do not itemize what the balance due is comprised of.
Product: Debt collection

After repeated attempts at asking them to please stop calling me, my employer, my family and close friends, AmEx has continued making harassing phone calls. I am seeking legal action as there have been various FTC breaches with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is in Forbearance states from XX/XX/XXXX-XX/XX/XXXX but Fed Loan Servicing posted a 90 days late in XX/XX/XXXX and a 120 late in XX/XX/XXXX. I contacted Fed Loan Servicing and they were unwilling to correct the reporting and told me to send in a dispute to the credit bureaus. I sent in the dispute with documentation from Fed Loan Servicing that proves my account is in Forbearance during those dates. XXXX was able to remove the 90 day late and the 120 day late due to the supplied documentation but XXXX was only able to correct it to show that it is " paid as agreed '' in the comments but the 90 day late and the 120 day late remains. i was told by XXXX that Fed Loan Servicing was n't willing to remove that. This does n't make sense. If there is n't anything due and it is current how can it still show 90 and 120 days late? XXXX was able to clearly see that it should n't be reporting that way but XXXX wo n't make the change.
Product: Debt collection

They sent an email to me about my mother 's debt, it had all the info for the debt including the amount. I wasn't on her account. This is wrong of the. To send me an email with her debt information.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus show a short credit history as a reason to report scores low. My credit history is over 20 years and not short by any means. All accounts are in good standing with no statutory late payments and no accounts past due. A 25 year credit history is not short and this is a misrepresentation of payment history and accounts on my credit. The only way I could have a longer history is to be XXXX XXXX XXXX and then have a 45 year history of credit payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated, or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 

TRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX **** XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX has violated my rights. 

I looked at my transunion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.