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

recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Student loan

I was a student at XXXX University, a school which knowingly defrauded students/borrowers. I have a private loan through Navient in regards to this school, and it was taken out due to XXXX giving false statements about increased job opportunities, better placement, and better hiring rates. I've paid this loan for years, even with an exorbitant interest rate of XXXX  %. I am not in default, nor have I ever been. It would seem fair that this loan be forgiven - I only have about {$400.00} left in payments.
Product: Credit reporting or other personal consumer reports

M Under the law of specified, see these items should be removed from my report a victim of 605C human trafficking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was informed through the courts that a company is reporting misleading information on my report tried to fix it please remove these incorrect items
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2019 a check from XXXX XXXX, a client of Bank of America, issued check # XXXX to me on account number XXXX in the amount of {$4000.00}. The check was never received by me and I was later advised that it was deposited into an account at XXXX XXXX XXXX which was later closed for fraud per XXXX XXXX. I have requested a replacement check from XXXX XXXX but theyve refused to notify Bank of America of this matter and follow proper procedure to submit a claim to have the funds reimbursed to me.
Product: Credit reporting or other personal consumer reports

I made a payment in XXXX towards XXXX XXXX bill. Im unsure if they didnt receive the payment but it states in XXXX I had a late payment which is incorrect this was the only late payment I account. I always pay all my bills on time.
Product: Credit reporting or other personal consumer reports

Because of XXXX 's Data Breach my credit has been impacted by negative fraudulent accounts and items
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an electronic notice from Experian stating that I had a delinquent credit account with XXXX XXXX. I have a car lease with XXXX XXXX that had its last scheduled payment due XX/XX/XXXX. But I did not understand what that delinquent credit could be referring to as I have always paid my lease payment of {$810.00} on time through an autopay account. 

That evening I checked my mail and discovered I had a letter dated XX/XX/XXXX from XXXX XXXX   stating that I owed {$1300.00}. Given that I still had one more payment left I called XXXX XXXX to understand what the owed amount was related to. According to XXXX XXXX, when I registered my car in Massachusetts in XX/XX/XXXX ( I had initially leased and registered the car from a dealer in New York in XX/XX/XXXX ) my lease payment had gone up by {$50.00} a month due to increased taxes in Massachusetts. The roughly 20 months of incremental $ XXXX monthly payments I had missed plus penalties and interest were worth {$1300.00}. 

I explained to XXXX XXXX that I was never once told of of the increased payments. XXXX XXXX  has my address, my phone number and my email address - I never received one notification as to the increase in payments, nor a notice of a late payment. To have received my first notice that anything was amiss 20 months (! ) after the increase in payments began strikes me as ridiculous. While I am upset about the increased payments which I did not know about ( made worse by the fact that I spoke to XXXX XXXX   numerous times before I had to register my car in Massachusetts in XX/XX/XXXX as I needed several documents from them to register the car and they never mentioned anything about the increase in payments ) I am much more angry about that fact that by sending a delinquency notice XXXX XXXX  has negatively and quite unfairly impacted my credit score. It is clear from the fact I sent every one of my XXXX lease checks to date on time that the only reason I did not pay the incremental {$50.00} amount is because I was not aware of the increase in the first place. 

XXXX XXXX 's actions appear to be a sorry attempt to extract late fees and interest from me at the last minute before my lease expires. Worse, they have no compunction about hurting my credit score on  the way to doing so. I am writing the Consumer Finance Protection Bureau to assist me in getting this demerit off of my credit report. My account number with XXXX XXXX is XXXX. Thank you, XXXX XXXX
Product: Debt collection

I requested proper debt validation from this company based on sections 609 and 601 of the fcra they can not prove any debts this is improper based on USC 1611 therefore I'm requesting this unauthorized account be removed as soon as immediately I've done no business with this company please remove
Product: Student loan

They are many account open under my name and the account were transfer to one account, I been trying to delete all the repeat it account from credit report and leave the one that is open and current.
Product: Vehicle loan or lease

i SPOKE WITH THE LENDER ABOUT THE PROBLEMS WITH THE CAR ; HOW IT DOES WORK AND THE PROBLEMS. I WAS TOLD BY THE CAR DEALER TO BRING THIS CAR BACK AND THEY WOULD RESELL IT. I TOLD THEM THE PROBLEM FROM THE START SO I TOOK THE CAR BACK AND THEY TOLD ME THAT IT WOULD NOT HIT MY CREDIT BECAUSE THEY KNEW THE PROBLEM. 

SO I TOOK THE CAR BACK AND THAT WAS IT ; BUT WHEN I LOOKED AT MY CREDIT THIS CAR WAS ON MY CREDIT STATING THAT I OWE THIS LARGE AMOUNT. THE CAR DEALERSHIP LIED TO ME ABOUT THE ENTIRE PROCEDURE OF ME GIVING THEM BACK THE CAR. I WAS TOLD THAT I WOULD NOT OWE ANYTHING BECAUSE I TOOK THE CAR BACK. WHEN I LOOKED AT THE CREDIT BUREAU REPORTS I SAW THAT THEY H AVE PUT ON THERE THAT I GAVE THE CAR BACK BUT I STILL OWE. THIS IS WRONG I DO NOT OWE ANYTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts I'm disputing does not belong on my credit report for the simple fact they do not belong to me. I'm demanding that the 3 major leading credit bureaus remove them immediately. If the reporting agencies can not share their Method Of Verification with me as my consumer rights in accordance with the FCRA laws then these accounts shall be blocked immediately. The accounts are, XXXX XXXX XXXX {$1500.00}, XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX   XXXX   XXXX  on my credit report for  XXXX  on my credit report from 3 years ago.  XXXX   XXXX ,  2014.I never heard of them or have any idea what this is regarding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent accounts below violated my rights to law 15 U.S.C. 1681 SECTION 602A- Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2- Consumer Report Agency can not furnish an account without my written instructions. 

I have request several times for these accounts to be proven or removed from my report and have requested the original copies. Please prove these accounts not by the automated system. I have disagreed with the credit bureaus and creditors las investigation on XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 with no response at all. My rights have been violated and the bureaus have not done a through investigation according to the law. 

Please remove these accounts.
Product: Money transfer, virtual currency, or money service

I used Wells Fargo Bank to make Payments for Monthly Bills and Mortgage Payments in XXXX, 2014 I was informed that payments was not received and they put in Foreclosure and I loss my home and many of Monthly Bill Payment was paid and the Wells Fargo was not able to give me copies of Check of Bill Payments is this legal. 

The account was old account I used be XXXX  XXXX Account which Wells Cargo taken over Cashier and I had pay fees and services with this account.
Product: Debt collection

I was an on-site Property Manager at this apartment community. I was offered a free apartment if I lived on-site ( on-call ). 

I submitted my resignation letter giving a two-week notice. 

AFTER I leave the company and move out, I am sent a letter stating this HUGE account is in collections, an account I never knew about! I fulfilled my two-week notice period and moved out that next day. 

I reached out to the collection company to provide documents pertaining to this debt and found an account ledger that charged me rent TWICE. The agreement was that I would receive my discount until the end of my employment. I contacted the corporate office and requested someone call me to discuss these huge discrepancies. They never called back, but a few weeks later I received a letter from an attorney 's office stating that the original creditor has requested counsel in discussing this debt. WHAT? 

This is ridiculous. I was never told I owed anything while I was living there. I was never notified of a balance due at move-out. I was never contacted by the property after moving out - that I had a balance. They charged my account with fraud expenses, sent it straight to collections, and are now putting up a wall to any communication other than through an attorney. Is this even legal?
Product: Mortgage

On XXXX XXXX ( XXXX XXXX XXXX made an offer on a home at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I also stated to the lender XXXX XXXX XXXX Mortgage that I would need down payment assistance. The offered-up XXXX XXXX had a program for me. Through the course of the Loan Process i have asked XXXX XXXX on his recorded line do I need to get closing costs, XXXX stated that Fannie Mae would take care of all closing cost. I believe I have had XXXX different mortgage companies over the past XXXX weeks. I pulled my XXXX money to pay for the Appraisal, Home inspection, and XXXX money, I borrowed XXXX from my parents and when I received XXXX monies i returned the XXXX back to my parents. My original date to close was XXXX, but due to a form not being filed it was pushed to XXXX no explanation given. During this whole process i continued to ask XXXX if I were going to need any monies for closing, he assured me I would not. On XXXX XXXX XXXX from XXXX XXXX emailed me and stated i would need XXXX for closing costs, and XXXX in reserve and show proof of how monies were obtained, before closing on XXXX. I have emails between myself and XXXX locking me into a XXXX XXXX XXXX, XXXX XXXX he has me Locked in at XXXX XXXX. I have documents showing i signed a XXXX XXXX  loan estimate. I also have the XXXX XXXX estimate unsigned document. XXXX stated in an email that i am now at XXXX XXXX he needs to provide that documentation. Over the course of the XXXX weeks i have watched my loan payment grow by almost {$600.00}. i was instructed to take a XXXX XXXX course in the course there is a XXXX calculator after doing it XXXX XXXX said i was only eligible for XXXX dollars, my purchase price for this home is XXXX. I can not come up with the XXXX closing cost, and the XXXX in reserve in a three-day period. an in accordance with XXXX XXXX I should not even be buying this property. I have been given misleading information this whole process, i have emails and correspondence to back up my claim, XXXX uses a recorded line when you call his office.
Product: Credit reporting or other personal consumer reports

The lawsuit filed against Experian is relevant in this matter. 
They have done no investigation in this matter. 
They have also allowed the creditor to update info that is from 7 years ago as if the information was current even though the account in question has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian has to remove old lines/closed accounts from my credit report after the time limit has run out. The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX debts has expired almost 12 -20 yrs ago. The CRAs do not automatically delete the closed items from my credit report once they're  scheduled to be deleted, Further, they have not every time I keep disputing give me a thorough investigation besides the e-OSCAR system.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 

Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2020 did not approve of this
Product: Debt collection

I received a collection letter from a company called XXXX XXXX XXXX XXXX on behalf of XXXX claiming that I owe {$4400.00}. However, I have never opened a XXXX Account. I contacted XXXX XXXX and sent them a letter on XX/XX/XXXX, requesting verification of this debt. On XX/XX/XXXX, I received a letter from XXXX  XXXX  stating that they were unable to verify this debt and removed the debt from my credit report. As an additional measure, I went to my local police station and completed a police report about this identify theft. 

However, on XX/XX/XXXX, I received a letter from a new debt collector, Diversified Adjustment Service , Inc. attempting to collect a XXXX Debt in the amount of {$4400.00}. XXXX and the subsequent debt collectors have been unable to verify this debt but are still continuing to try to collect this debt. They are now contacting me at my office as well. I have no idea how to resolve this matter further and I am seeking your assistance. Thank you.
Product: Credit reporting or other personal consumer reports

someone who probably has my personal information applied to get credit cards causing some inquires on my credit report. 
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

On XX/XX/XXXX a letter went out asking for my free credit report. Called on XX/XX/XXXX, I was told it was mailed XX/XX/XXXX. I asked about it - I was told another one would be mailed out. Where are they? I even called to put in my current address as a consumer comment so they would have it correct since they refused to put it in in the address field. 

Transunion simply refuses to mail me a free credit report as provided by federal law. 
XXXX and XXXX has both complied with the law, why can't transunion?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 opened an Apple card in XX/XX/2021 as part of the process to purchase the new XXXX XXXX. I was approved for amount required and completed the transaction on XXXX 's website. At some point during the transaction there was some failed communication between XXXX and Apple Card, because Apple Card shows a pending transaction for over {$1400.00} but XXXX the merchant has no record of the transaction. The card now is basically unusable because until the transaction clears I can't reorder the product. 

The transaction has been pending since XX/XX/XXXX and even though I've spoken to XXXX ( in person and on the phone ) multiple times and Apple Card multiple times, each side says the problem is on the other side and no one will help me. 

Apple Card says pending transactions will be cleared after 2-3 days and at most 2 weeks after a merchant starts a charge. It's now been 5.5 weeks of this pending transaction. I tried to dispute the charge but Apple Card says they can't dispute the charge until it posts. So basically until this transaction posts, I'm in complete limbo when I tried to use an Apple credit card to purchase an XXXX product.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing dissatisfaction and frustration with the handling of my fourth attempt to remove fraudulent items from my credit file. Despite multiple efforts on my part and the submission of substantial evidence, the response from your company continues to fall short of addressing the urgency and severity of the situation. 

Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been inadequate and have failed to offer any meaningful progress towards resolution. This ongoing lack of accountability and transparency has left me feeling frustrated and powerless in rectifying this matter. 

XXXX a thorough and expedited review of my case, with a firm commitment to prioritize its resolution. 
Promptly remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to safeguard my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, XXXX, NC, XXXX XXXX Lower XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXXXXXX AUTO XXXX XXXX Balance : {$0.00} XXXX XXXX AUTO XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX & XXXX XXXX XXXX XXXX {$6300.00} XXXX & XXXX XXXX XXXX XXXX {$3600.00} XXXX & XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX Station XXXX TN XXXX XXXX XXXX XXXX AUTO XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX AUTO XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Balance XXXX {$2700.00} XXXX & XXXX XXXX Balance : {$6300.00} XXXX & XXXX XXXX Balance : {$3600.00} XXXX & XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/XXXX XXXX XXXXXXXX AUTO XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXXXXXX AUTO XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$500.00} ALLY XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX REGIONAL FINANCE XXXX XX/XX/XXXX XXXX XXXX XXXX TN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.