23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I called Home Depot to close my credit card. They did. They said they would remove a late fee, but never did. Around the same time, their late fee was also increased from {$29.00} to {$38.00}. I paid the balance on my card, but left the last payment short, per instruction from the agent who helped me close the account. I traveled for the past three months and return to find an additional {$120.00} in late fees and interest. Now I am back, and they call me 3-4 times a day to collect the accumulated late fees. At this point, they know that I will never shop there or use their card ever again, so they are just trying to milk as many late fees as possible. They using harassing methods to try and collect these fees. I refuse to pay Home Depot Credit Services, or to shop at Home Depot. It is strictly XXXX or XXXX  for me!
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} XXXX  XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter to early warning services in regards to a XXXX XXXX XXXX account reporting on my consumer report, I never initiated the transactions being reported and ask for the account and information to be verified. The investigation of my dispute has been going on for 90days or more now. 
Company : XXXX  XXXX XXXX Account Number : XXXX Contributions Reference Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX DATE : XX/XX/XXXX Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general it, XXXX any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an any items 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 reinvesIgaIon ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The personal information is incorrect - please remove this from my credit report immediately! 
Phone Numbers : XXXX, XXXX, XXXX, please remove this from my credit report immediately Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry was not authorized, please remove it from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to provide proof as required to under FCRA. The claim they investigated but have not provided proof. 

accounts Account name XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The erroneous account listed below is still reporting on my Credit Report : XXXX - XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2014 2014
Product: Credit reporting or other personal consumer reports

Personal information such as address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inaccurate. The only address on file should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. No other names should be reported other than XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting on Credit Report I, XXXX : XXXX a Private American, and Secured Party am filing this complaint against Credit Acceptance Corp for their failure to comply with my rights under federal and state laws concerning the reporting of information on XXXX XXXX XXXX credit report. Specifically, the issues involve : 1. Potentially Negative Remarks : Inaccurate or unverified notations that undermine XXXX XXXX XXXX 's standing. 
2. Late Payments : Incorrect reporting of payments without adequate proof of delinquency.

3. Inquiries : Unlawful or unauthorized inquiries made without my explicit consent.

These remarks violate the protections afforded under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the Uniform Commercial Code ( UCC ) principles related to security agreements and secured parties. 

1. A XXXX-1 Financing Statement has been filed No. XXXX, clearly establishing : XXXX : XXXX as the Secured Party, and XXXX XXXX XXXX as the principle debtor as subject to the security interest. 
2. A Private International Security Agreement exists, granting : XXXX : XXXX exclusive rights to the property referenced in the credit accounts. 
XXXX. These companies have failed to acknowledge or respect the security interest and agreement, thereby infringing on the protections established by the XXXX. 

- Violations - XXXX. Failure to Validate : These entities have reported unverified or incomplete information without providing proof of claim or validation of debt when requested, as required by 15 U.S.C. 1692g.

2. Improper Use of Credit Report : Reporting unverified late payments and inquiries constitutes a violation of my consumer rights under 15 U.S.C. 1681c.

3. Breach of Trust and Fiduciary Obligation : Failure to honor the UCC-1 filing and the Private International Security Agreement, which constitute a breach of trust and interference with my rights as a private American. 

- Potential Consequences for Noncompliance - Failure to act promptly and adequately will result in : - Filing additional complaints with regulatory authorities such as the Federal Trade Commission ( FTC ) and Attorney Generals Office. 
- Initiating legal proceedings for damages, including breach of trust and violations of federal and state laws. 
- Seeking equitable remedies to address these infringements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I have repeatedly requested from Transunion Credit Bureau, XXXX XXXX XXXX XXXX PA XXXX, to provide me with a VALIDATION for bankruptcies that are being reported on my credit report, Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. I have sent them several letters regarding this issue and they have yet to provide me with the validation required. The County Recorder of Deeds and the Bankruptcy Courts have also reviewed the Public Record section youre your Transunion Credit Bureau. They both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never  validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXXXXXX XXXX Date of Inquiry XXXX/XXXX/2020 XXXX Date of Inquiry XX/XX/2020 ALSO KNOWN AS : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Product: Student loan

This complaint is against Great Lakes Student Loan Servicing. 

I have a Parent Plus loan with Great Lakes. My daughter makes all the payments. She pays {$50.00} a month as agreed. The payments are automatically withdrawn. She has not missed a payment in the past 18 months and we expected that by now this would be back into repayment status and out of default. 

I am seeking to be a first time home buyer. I can not get a mortgage until my credit report shows the default is removed. 
My daughter has been in contact with Great Lakes over the passed year asking how to get this loan out of default, but she was told only by paying it off in full. I didn't believe this to be such a harsh truth. 

I contacted Great Lakes onXX/XX/XXXX and asked how I could bring it out of default status. I was told that it can not come out of default except to 1 ) pay it in full or 2 ) consolidate it. 

I do not have the {$19000.00}. ( The original loan is {$16000.00}, but they have added fees ). 
Thus I have requested a consolidation from XXXX XXXX, where my loans are. I work for a non profit and I have my loans all consolidated- some that originated with Great Lakes. I asked Great Lakes why this loan was left out, and the response was that I never had any other Great Lakes loan. ( I had my own, plus another of my daughter 's consolidated that were Great Lakes. ) XXXX XXXX is very helpful and is expediting the processing of the consolidation on their end. It's just a matter of Great Lakes responding to the request. I called Great Lakes again today ( XX/XX/XXXX ) to request that they expedite on their end so that my loan can be removed from Default so that I may still get the opportunity to purchase a home. ( I have a window of affordable opportunity that is rare. ) The loan counseloXXXX was not concerning herself with assisting my request. She acknowledged that the XXXX XXXX consolidation request had been received, but it might not be processed for 90 days and if I didn't agree to a payment today that I could get my wages garnished. Her concern was to get me to pay {$70.00} payment today. I reminded her that my daughter 's automatic payment {$50.00} comes to them on the 23 every month. The representative insisted that I make a payment of {$70.00} today and implied that if I did not that I was not being cooperative therefore they would have to take action. I asked to speak with the Consolidation department but she said, " They are behind closed doors and no one gets to speak with them. '' I had to hang up because I felt harassed and not reaching resolve. 

It seems that Great Lakes is trying to hold on to the loan for a few more months to collect " {$70.00} of interest that is accruing each month. '' This is serious predatory lending especially if they request a garnishment of my wages when I have applied for a consolidation out their servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being disputed due to the fact that they are unauthorized and unknown by me. Therefore, I'm requesting a Method of Verification from the credit reporting agencies., and/ or remove these unauthorized accounts immediately. 

1. US Dept EDU 2. XXXX  XXXX  3. XXXX  4. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with company to pay off this collection. They agreed to delete the paid collection once I paid it off. I have paid them but the collection is not deleted.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm has not refunded my money for item that was returned. On XX/XX/year> I received an email saying Im due a refund. I have called 20 times. Spoken to a supervisor 5 times and was assured someone from annother department would return my call. : customer service rep - " a refund check is processing, allow 16 days to receive. We attempted to refund your master card but it was declined. '' I then asked to speak with a supervisor. XXXX : supervisor - " your final payment was received more than 180 days ago so we can only issue refund via check. It is being processed, allow 16 days to receive. '' XXXX : received email " your refund is processing. please allow 16 days for it to arrive. '' XXXX : customer service rep - '' a refund was processed on XX/XX/XXXX allow 16 days to receive. Can't provide check number nor date sent ''. XXXX received email confirming refund processed on XX/XX/XXXX allow 16 days to receive. XX/XX/XXXX : customer service rep- " we tried to refund your master card on XXXX but it was declined. we have processed your refund but I do not know the check number nor the date sent. '' I then asked to speak with a manager. Stayed on hold for XXXX minutes, no XXXX available. XXXX spoke with a supervisor. " refund was processed on XXXX. please allow 30 days to receive. '' Can not provide check number or actual date sent. Affirm never denies that they owe me the refund. They never say the check was sent, instead they use the word processed. As of today, it has been over 3 months days since they have emailed me saying I would get a refund.. I would like a refund sent via bank transfer or by check with tracking information provided. Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My mortgage company lack of security allowed my tenant to compromise my account and cause harm to me and my credit. She was able to gain authorization over my account and changed the contact information and went delinquent. I was n't notified because the contact information was changed. This was all done without my awareness or consent to account XXXX and XXXX on XXXX Mortgage XXXX. 

I have sent the following proofs of fraud on my account to TransUnion and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 
Attached : - XXXX police reports by my tenant- XXXX court cases of my taking legal actions to correct my situation- a forfeit letter written by my tenant. ( if you see the phone number on the letter, it 's my tenants cell phone number ) - XXXX letters of me escalating to my mortgage company to correct my account and also to secure my account ( Both have been a failure )
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the ongoing inaccurate and unverified negative reporting on my credit profile. Despite my prior complaints and submitted evidence, you have failed to take corrective action, allowing these inaccuracies to persist and cause continued harm to my credit standing.
Product: Debt collection

NEVER GOT ANY VALDATION LETTER '' S VIA MAIL OR ELECTONICALLY FROM ANY OF THESE DEBT COLLECTORS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from American Honda Finance wish they report to the 3 credit bureau I have miss a payment for the month off XXXX.I made my payments on time since we open the account.I mail the 3 credit bureau the documents I received from Honda off my payments.They still have me on my report with the false miss payment from XXXXMy credit went from high XXXX score to lower XXXX score I never miss or been late off payments in my credit history. I need you to look in my matter seriously and help me.I would hire a lawyer for this matter if you recommend me.I wont let this affect my excellent credit I have and kept. 

Thanks!
Product: Checking or savings account

In XX/XX/year>, I close my Citi business checking and XXXX account. The checking account was closed but it appears that the XXXX account was not. I was out of the country and came back to several notices that my account was overdrawn by a fee assessed by Citi and then another that my account is locked. I have called about this in the past. I just need the account to be closed. They can listed to the recorded phone calls to hear that I have requested this and been given verbal confirmation of the closing.
Product: Money transfer, virtual currency, or money service

Last year, my money from cashapp was hacked and stolen from my account. For the longest time I couldn't find a number to call cash app support about my issue. When I finally found customer support they would not assist me and XXXX was taken from me I also made a police report regarding this issue.