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

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX  Date opened XX/XX/XXXX Status Closed. {$10.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$10000.00} as of XX/XX/XXXX Monthly payment - Original balance {$15000.00} Highest balance - Terms XXXX Months
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit 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
Product: Consumer Loan

When i had XXXX in XXXX of 2013 i was told that the Care Credit loan was interest free for the life of the loan NOT that it was for a promotional period. the loan changed over without warning and they tacked the interest on the back end of the loan. I want to pay what the balance would have been at the point of turnover. but i will NOT pay the interest. I feel this was a " bait and switch '' deal on the part of Care Credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting 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  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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.

Please REMOVE these inaccurate accounts and unauthorized inquiries stated in my credit report, TODAY!
Product: Credit card or prepaid card

My Apple Mastercard, a product of Goldman Sachs, is showing the incorrect balance on my credit report which is adversely affecting my credit reports. The balance has not been updated since XXXX Yet, we are now completing the first week of the XXXX XXXX XXXX. This is not the first time Apple has proven negligent in correctly reporting my monthly credit card balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on my Equifax credit report that I disputed on XXXX by sending in a verification letter that was certified mail and signature redturned.XXXX Equifax received my dispute.30 days passed with no response so I mailed in a 30 day demand to comply letter to Equifax certified mail signature returned. It took till XXXX for Equifax to respond by mail to say that the account was verified.XXXX I mailed a method of verification letter asking for them to provide me with the names and or business they verified the information with, the date the information was furnished, the method of communication that was used, what the money is owed for, and any contract I signed to pay the money. Then on XXXX I received a letter saying the account was verified but they did not have any proof of how it was verified. All documentation is available if needed or requested.
Product: Credit reporting or other personal consumer reports

Upon checking my report it is reporting negitive late payments on my report. I disputed the accounts and asked for them to show me how they validated and verified the accounts.
Product: Debt collection

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : Address. Please update my name to : Name. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Money transfer, virtual currency, or money service

The check was sent to me by XXXX XXXX company after my house burned down that I received in my divorce in XXXX 2018 and my house was then burned during the hurricane that came through XXXX XXXX North Carolina in 2018 and burned to the ground and I used the insurance check to pay off the morgage since it was gone and the morgage was still in my mine and my ex-wife names and had to settled Since the divorce was finalized and I was given the home in XXXX XXXX, NC and what was left over which was {$40000.00} which was to be sent to me by Wells Fargo which I've been trying to get sent to me through a wire to my bank or mailed to my mailing address which is XXXX XXXX XXXX XXXX, NC XXXX and my name is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ aafes/military star ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally, I sent a letter on XX/XX/2018 to XXXX XXXX XXXX ( XXXX ) disputing a tradeline of my credit report from them. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked validation that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2018, I received a copy of Consumer Installment Loan Agreement and Federal Truth-in-Lending Disclosure from XXXX XXXX XXXX XXXX, XXXX as their validation which wasn't validation competent evidence bearing my signature to XXXX. I received a credit bureau alert from XXXX ( betweenXX/XX/XXXX-XX/XX/XXXX ) and TransUnion ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been removed from my credit report. Then days later I received another credit bureau alert from XXXX  ( between XX/XX/XXXX-XX/XX/XXXX ) and TransUnion ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been added back to my credit report. I sent a reinsertion letter to all three credit bureaus ( XXXX, XXXX, and TransUnion ) stating I had not received the ( 5 ) day  notification which is required by law. All three bureaus stated they have validated this disputed item and refuse to remove and re-investigate in spite of all of the documentation I have provided to dispute the validity of this item. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that  the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Product: Debt collection

I am filing this complaint to inform you of a recent resolution with my financial institution, Capital One, regarding an error in the reporting of my account information. After a thorough review, it has been determined that certain late payment markings on my Capital One account ( Account Number : XXXX ) were inaccurately reported due to an internal error by the bank. I kindly request your assistance in reflecting these corrections on my credit report. The removal of the late payment markings and the update to the status will ensure the accuracy of my credit information. I appreciate your prompt attention to this matter and look forward to an updated credit report reflecting these positive changes. CAPITAL ONE XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting or other personal consumer reports

Nelnet refuses to correct their mistakes on 2 loans. On two occasions where forbearance or deferred payments was requested and agreed to, they continued to mark that payments were late. When confronted with the inconsistency of the information, they claimed they could do nothing about it. It is a permanent black mark on my credit report as student loans dont come off. There has been enough evidence of the inadequacy of their ability to make the appropriate changes on all loans through the years, that I am confident that someone failed to do their job properly and I am paying the price at this moment. It is unacceptable. They need to correct their mistake and remove the late payments shown on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened XXXX XXXX 2007 and was in my spouses name. I was never on this account to my knowledge. Now it shows opened and a balance of XXXX dollars. This also only shows on equifax and nothing else.
Product: Debt collection

On XX/XX/XXXX, I contact Portfolio RC ( Collection Agency ) I noticed I had a XXXX XXXX account in collection from XXXX which has a balance of {$230.00}, that I never had, I had a XXXX XXXX card which was paid off and closed on XX/XX/XXXX and the balance was {$0.00} and the account was closed, Which seemed odd. I contacted XXXX XXXX regarding the item in collections and they couldn't pull up any accounts regarding the account number I provided which instantly I knew something was off. I contact Portfolio RC via mail, I stated I need a copy of my contract, id and my ssn to prove that the debt was truly mine, they only provided me with an invoice which isn't Validation by any means. I decided to contact them again regarding that matter and they refused to Validate the debt by providing me with proper documentation, I stated I only had 1 XXXX XXXX credit card which was paid off and closed besides that I NEVER! had any other account and even the original creditor assured me I only had 1 account and had a XXXX balance. I need this collection item removed from my credit report ASAP, I'm trying to purchase a home and its causing my character to be jeopardized due to this inaccurate item on my report.
Product: Credit card

Synchrony closed 3 of my store credit cards that they issued. Rooms To Go credit card, XXXX XXXXXXXX XXXX card and most recently Discount Tire card. I was in good standing with all 3 cards. The XXXX XXXX XXXX card was closed XXXX in XXXX or XXXX after making all payments on time. The XXXX card they closed was the Rooms To Go card which I made all payments on and was in good standing. I had that card less than a year starting in XXXX to XXXX and they closed it in XXXX for no reason. The Discount Tire card was closed by Synchrony in XX/XX/XXXX. I had that card about a year, maybe less than a year. I was in good standing and used that card twice. I made all the payments as well. Never missed. These XXXX XXXX hurt my credit. I had good enough credit to get the card but then when they close it XXXX XXXX XXXX  and causes my credit to go down because I still have a balance but no credit available so my credit card usage goes up which effects my score negatively. Synchrony is a terrible company and very ruthless with what they do and how they treat people. They are still making money from me but hurt me and my score which effects my ability to get better interest rates. I can't believe how horrible Synchrony treats their customers who are making all payments to them on time and do not miss. I will tell everyone I know and post on social media, post on rooms to go, post on discount tire and any other social media pages of how Synchrony bank treats people. It seems Synchrony only uses people and cares nothing for people or their customers.
Product: Mortgage

Mr Cooper continues to provide an abysmal service since acquiring my mortgage in XXXX of XXXX. The continuous system issues with their website and process that makes in next to impossible to get a human being on the phone is unacceptable. I have been unable to get an escrow analysis and my mortgage payment has been fluctuating. I have been trying to access these documents for almost a month. Previous tries were futile after the website was undergoing " maintenance. '' After requesting an escrow analysis through the website on XX/XX/XXXX I was told through the online chat that one isn't scheduled until XXXX of XXXX. I tried going to the documents page and was immediately booted from the system. Mr Cooper has had my mortgage for over 6 months, it should not take 17 months to get a proper escrow analysis, especially after my mortgage went up over {$600.00} a month in the last year. It is also unacceptable they continue to have so many system issues considering this is the primary way consumers manage their account.
Product: Mortgage

My loan was recently transferred to Mr. Cooper. After it was transferred I started getting calls that my payment was past due, however, Mr. Cooper never sent me any information on how to pay at the time and I could not access the online portal. After 6 days I finally had access to pay the payment but not after continuously receiving calls my account was past due. Not good customer service. 2 days after making a payment I logged in and noticed my minimum payment had increased by XXXX. I was not notified at all. The only reason I saw was because I logged in. Very poor practice they would raise a payment amount without information a customer as to why. I sent a chat and they said it could be potentially because they have a different minimum for escrow accounts. I understand different companies have different policies but that information was not provided to me as a new customer. The person on the chat ( XXXX ) just kept saying they didn't have enough information. Very poor customer service that they can raise the payment amount but don't have enough information to tell me why.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Inaccurate Hard Inquiries Dear XXXX, I am writing to formally dispute several hard inquiries on my credit report that I believe are inaccurate and unauthorized. My name is XXXX XXXX XXXX, and my XXXX XXXX  XXXX is XXXX I have reviewed my credit report recently and found inquiries that do not belong to me. 

The inquiries in question are as follows : XXXX. *XXXX XXXX** Inquired on XX/XX/XXXX XXXX XXXX : XXXX XXXX. XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX. *XXXX* Inquired on XX/XX/XXXX XXXX XXXX : XXXXXXXX XXXX  XXXX. XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX *XXXX** Inquired on XX/XX/XXXX XXXX XXXX : XXXXXXXX XXXX  XXXX. XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX. **XXXX** Inquired on XX/XX/XXXX XXXX XXXX : XXXX, personal XXXX. XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX  XXXX XXXX. *XXXX** Inquired on XX/XX/XXXX XXXX XXXX : XXXX, XXXX  XXXX. XXXX Inquired on XX/XX/XXXX Business Type : XXXX and XXXX & XXXX According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate. I have not authorized any of these inquiries, and they should not be present on my credit report. 

I kindly request that you investigate these inquiries and remove them from my report. Please send me written confirmation of your findings and the actions taken regarding my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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.