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

I had an auto loan with XXXX XXXX which began XX/XX/XXXX. The auto loan was completely paid off in XXXX of XXXX. Also in XXXX on a recorded call XXXX agreed to remove ALL late payments on my credit report. The reference number to the XXXX case was XXXX. After a couple weeks of not removing it. I called back in XXXX to check the status. The representative acknowledged that she seen the agreement from XXXX and was confused of why it wasnt yet resolved. The rep open a separate case to attempt to get it resolved faster. The XXXX reference number is XXXX. As of today the late payments for XXXX and XXXX are still present on my credit report. XXXX XXXX failed to remove the negative marks as agreed. Im requesting XXXX XXXX to remove these negative marks from all 3 credit bureaus Equifax, XXXX and XXXX as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is attempt to correct my XXXX, EXPERIAN, and XXXX   credit report ( s ). I have identified fraudulent inquiries and fraud accounts. Please block the account listed below : XXXX XXXX : XXXX This is the account I request to be removed permanently from my credit report. Please block these accounts. This account is unverifiable and violates my consumer rights.
Product: Credit card or prepaid card

Account was compromised. Contacted financial institution to close account and issue a new Account number. Financial institution authorized payment on new account without consent for recurring billing setup with old account number that was no longer active. 

Financial institution claims they are required by law to authorize payment for recurring billing even though the account record on file is different?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported 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. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX  XXXX account across XXXX , Experian, and XXXX XXXX here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : XXXX XXXX XX/XX/XXXX. Matches Experian but not XXXX. 
High Credit : XXXX : {$5300.00}. Different from both XXXX {$6700.00} and Experian {$0.00}. 
Credit Limit : XXXX : {$0.00}. Matches Experian, but not XXXX {$4700.00}. 
Last Reported : XXXX : XX/XX/XXXX Different from XXXX and Experian, both of which report XX/XX/XXXX. 
Comments : XXXX : Charged off account. Accounts closed by credit grantor. Different resolution description compared to XXXX Charged off as bad debt. Dispute resolved ; reported by grantor. and Experian Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : XXXX : XX/XX/XXXX. Much earlier than XXXX XX/XX/XXXX and Experian XX/XX/XXXX. 
Date of Last Payment : XXXX : XX/XX/XXXX. Earlier than both XXXX and Experian, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors. 

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission CC : State Regulatory Agency Thanks For your Cooperation.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Experian by mail and over the internet on multiple occasions to request they address my concern that they have placed two accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the VA believed it had overpaid for GI Bill benefits. Both of these accounts were paid but then both amounts were later refunded after a Congressional enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Experian, and they both appear as consumer credit entries on my Experian credit report, despite not being consumer credit accounts. I believe that Experian has violated the terms of the XXXX 2015 consumer credit agreement with the Attorney General of the State of Alabama that Experian signed in XXXX 2015 which stated they would not post non-consumer credit accounts into credit reports. I do not believe that under the terms of the 31 state agreement that these accounts are authorized to be entered into my credit report. Paragraph 3C of the 31 state agreement states The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). The VA overpayment accounts were not consumer contracts or agreements and should not be posted into my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not authorized by me.
Product: Student loan

Issues since my loan was sold over 10 years ago. My interest was never corrected when Navient took over my loan. In XXXX, I was some what successful with a minor correction. Though still not right. Since then they have changed my repayment terms twice without consent. I repeated asked for research to have the account reset. Last time was XX/XX/XXXX. Still nothing received. They refused to send me my full promissory note. I have asked 3 times. XX/XX/XXXX, only received XXXX pages not full note. I asked in XXXX. Still did not receive. Asked again today, as my loan was just reset again. They are beyond shady and I cant get the information I need. I have not consented to any of these changes. I cant get answers and its beyond odd that they can continuously reset my loan.
Product: Credit reporting or other personal consumer reports

I recently reviewed with my credit report and noticed an account that was not reported accurately I had one XXXX  day late payment on an account that was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on these date ( XXXX  2022 ). I'm now requesting you investigate this account and update this late payment to be paid on time immediately thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted city bank to ask about one of there credit cards base on my credit they instructed me to go on line in fill out an application they also told me they would not attempt to make a inquiry from the three credit bureaus about credit worthiness intel I was sure I what the card. After that I got an alert from XXXX indicating me that my credit sore drop XXXX point I WAS COMPLETY OUT DONE. I've had many inquiry before car loan, personal loans, ect. Yet never has my credit score drop XXXX XXXX, in addition I never gave City Bank consent to pull my credit. I fill strongly deceive by both City bank, as well as XXXX. I tried reaching to XXXX to there supervisor XXXX XXXX via email but he has never replied. I talk with City bank they told me that they would have XXXX remove the inquiry immediately. Yet they have not I'm asking CFPB to have XXXX to remove this enquiry off of my credit report Now. I can be reach at XXXX XXXX XXXX or via email, XXXX Thanking you in advance XXXX XXXX.
Product: Mortgage

Morgan Stanley Private Bank mortgage loan # XXXX Due to XXXX, XXXX ' faced a business disruption which created a temporary personal cash shortfall and she fell behind on her mortgage payments to Morgan Stanley Private Bank XXXX The business disruption has been resolved. The cash shortfall is temporary and her business will be profitable and cash flow positive in XX/XX/XXXX. 

In the meantime, she is able to resume making mortgage payments immediately from proceeds of a forgiveable loan from a family member. 

The loan to value ratio of the loan is approximately 35 %. Loan amount is ~ {$1.00} XXXX and the home value is ~ {$3.00} XXXX. 

In XXXX, her debt service to income ratio on the mortgage will be somewhere in the 6 % to 19 % range based on profitability estimates of the business. 19 % being extremely conservative and will likely be around 10 %. 

She has attempted to pursue a forbearance or modification with Morgan Stanley Private Bank. She has provided all of the documentation they requested and 'INVESTMENT ADVISOR ' has prepared a detailed explanation of the situation for Morgan Stanley . Most of which was provided both by hard copy and electronically in mid XX/XX/XXXX. 

However, as of today XX/XX/XXXX, Morgan Stanley has still not reviewed the documentation and claims that there are documents missing which is not the case. 'INVESTMENT ADVISOR ' created a file title 'Documents Checklist ' with a statement related to every piece of documentation requested. 'BORROWER ' and 'INVESTMENT ADVISOR ' have called Morgan Stanley Private Bank multiple times every week since mid XXXX. As of our most recent phone call today, it is clear that Morgan Stanley Private Bank has not read the 'Documents Checklist ' and the loan has not yet been put in front of an internal underwriter who can make a decision regarding a forbearance or modification. Morgan Stanley is going in circles. 

The loan in question still has not been put in front of someone who can make a decision. This is 2 months after originally submitting the documents requested and with a foreclosure sale scheduled for less than a month from today. I question Morgan Stanley Private Bank 's professionalism and overall competence as a mortgage lender in the US, especially during a tenuous time for many borrowers. 

There is a history of a lack of professionalism and possible outright incompetence between 'BORROWER ' and her former Morgan Stanley Financial Advisor ( s ). She is now in a situation where her home could be foreclosed upon. She originally paid cash for the home which she owned free of any liens whatsoever. Later, her Morgan Stanley Financial Advisor advised her to borrow money in the form of a first mortgage, which is the loan in question now.
Product: Checking or savings account

XX/XX/2024 XX/XX/2024 I filed multiple claims totaling {$1200.00}. I purchased services on XXXX and XXXX  through XXXX. I got scammed because I never received the services and both merchants blocked my accounts after making the payments. Wells Fargo doesnt want to credit my account or solve the issue. Wells Fargo also used XXXX of my accounts to make some purchases and blamed it on me saying I put my information online ( account and routing number ) I froze my card and closed that account and made a new one. The new one was still making those unrecognized transactions. Wells Fargo also said I didnt have a right to make claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021, I reached out to Equifax to inform the company the my mortgage lender was having issues pulling my Equifax report. There is no issues with XXXX and XXXX. After several conversations, they stated that my report did not have freeze, but I'm still unable to pull my report.
Product: Credit card

I paid XXXX on the self card to lower the payment it was applied to the other account t when I call twice said nothing can be done and in the process my credit score went down XXXX points I paid both the credit builder part and the credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX  Account : XXXX. 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

I have no idea who they are and HAVE NOT given any written consent.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information.Any adverse item of information, other than records of convictions of crimes which antedated the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

Addresses. : XX/XX/XXXX Equifax sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes Equifax 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a Equifax, XXXX, XXXX ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. :  Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by Equifax as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently pulled my credit and I saw several Fraudulent accounts that I did not recognize and an address. I believe my credit has been mixed or merged with one of my family members. I was in jail at the time of the opening of these accounts there is no way i opened them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, TD Auto Finance ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reporting i owe {$970.00} on an account I have no knowledge of XXXX XXXX XXXX XXXX {$19000.00}, they are reporting on my credit report. not my account XXXX XXXX XXXX XXXX {$41000.00}, they are reporting on my credit report not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never shopped with this company, never gave them permission to ran my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bankruptcy
Product: Checking or savings account

The Bank has been  manipulating my deposits to generate additional fees. I thought this was illegal. I thought Dodd-Frank elim inated these practices.
Product: Debt collection

IQ DATA INTERNATIONAL are threatening me and trying to collect a debt that i do not owe.Upon checking with the Texas secretary of state they are not even bonded to collect here. I sent in a letter of validation and they have not sent me back what i requested.
Product: Debt collection

This is regarding the collection company Midland Credit Management - XXXX XXXX XXXX XXXX XXXX XXXX, California XXXXXXXX XXXX ID : XXXX I would like to express my absolute perplex with the treatment I received on XX/XX/year> by an associate over the phone. I called in good faith regarding my collection account with XXXX XXXX XXXX, to explain my current situation and hardship that led me to the financial hardship I've been experiencing mainly since last year. This was due to both my XXXX mother and my son having XXXX. My son almost XXXX XXXX XXXXXXXX XXXX. I should not have disclosed my issues, however, I did so the agent could understand my motives for ending up in the collection, and the reasons why my situation worsened. Before I could even start my conversation, in which I intended to get assistance to make the payments on that account, the agent was extremely aggressive, threatening, and anti-professional. Unfortunately, I have dealt with collection and debt arrangements, but this was the worst experience I've ever had with a company, and very frightening. 
I have to share this because even though this happened, I still arranged to make payments online, however, due to the unprofessionalism of the agent ( unfortunately I did not record his name, but I'm sure you have the calls recorded ), I feel that this needs to be reported. After a long time with him on the phone in which I expressed my frustration with his behavior, I ended up hanging up because he kept threatening and ignoring any explanation I was given, even without needing to. 
This behavior is unacceptable, even from a collection agency. I felt disrespected as a consumer and as a human being. I felt hassled and mistreated. 
I hope the company can address this serious issue with the associate, so that it doesn't happen to other customers. 
This is the first time I have had to escalate this type of issue, and I hope this will be addressed. No one in a collection situation feels comfortable, and having an associate being so disrespectful only makes the situation beyond worse. I am a XXXX woman and mother. I should not have been treated that way.
Product: Debt collection

On XX/XX/2020. I checked my XXXX XXXX app. ( which I do every Friday of every week because thats when my credit updates ) Long and behold when I did I see that my XXXX  score dropped ( XXXX points to be exact ) So upset I looked to see what changed. Thats when I discovered that I had a collection from XXXX XXXX XXXX XXXX XXXX XXXX for XXXX that was placed on my credit from a Collection agency by the name of Receivables Performance. Now at this point I am livid!! Because one, not only do I believe this debt is in accurate. But I never recived any notification from this agency about this debt or even had the right to Dispute. They just placed it on my credit!! Without any prior notification. Which in my opinion is fraud and violation of the FCRA. This is absolutely not OK!!!!! Especially with a DEBT FROM XXXX XXXX XXXX XXXX XXXX!!!!! They are a fraud and try to collect unowed fees etc. Which is why I left them and reported them several times!!!!
Product: Vehicle loan or lease

I was contacted by a salesman from XXXXXXXX XXXX XXXXXXXX about trading car in that I only had for 30 days. I told sales person I have negative equity. He promised he will get me out of it. I misunderstood the entire process. He told me I was in XXXX negative equity, but he can still help. Finance guy stated I will get some money back, but found after signing paperwork that I will not get any rebates. Salesman told me to let vehicle get repossessed, it will only bring credit score down to XXXX. I asked to return vehicle same day. I was told too late. ViN # XXXX XXXX XXXX XXXX. I'm now negative XXXX. I went there with only about XXXX negative equity. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX