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

On XX/XX/year>, I sent Experian a dispute letter requesting they investigate several accounts. 

Attached I have the letter I sent, XXXX Experian XXXX the inaccurate XXXX Credit Card Charge off account regarding this complaint XXXX XXXX  Credit CardXXXX, and postal receipt XXXX Postal Receipt.XXXX. 

Experian responded to my disputes with their reinvestigation results for my XXXX Submission, Attached, XXXX ExperianReinvestigationResultsXXXX 

On XX/XX/year>, I responded back to Experian, attached XXXX Experian - Reinvestigation Request and Proof.pdf, requesting a reinvestigation, and demanding they provide proof of the reinvestigation ( 15 USC 1681i ( a ) ( 7 ) ) and provide me with the : 1. The names and business addresses of each individual you verified the information with, so that I can follow up. 2. The date when you contacted the individual furnishers of information. 3. The method of communication you used to verify the information. I asked them specifically for a ( 7 ) Description of reinvestigation procedure. Also attached, XXXX Experian Certified.XXXX, shows delivery. 

On XX/XX/year> Experian responded with a refusal to process my request stating that XXXX has verified, and " consumer -disagrees '' in their comments of the account. Attached XXXX Experian XXXX XXXX to Provide proof or Delete.pdf. 

The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and has damaged my ability to obtain credit for personal and household usage. Experian and their inaccurate reporting have damaged my livelihood. The reporting of this inaccurate account is also a violation of 15 USC 1681e ( b ). Their failure to provide maximum possible accuracy is causing me harm and I demand they delete the account in question from my consumer report. I also reserve my rights to litigation and will use this CFPB complaint as evidence in a future complaint should this end result not be satisfied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. These account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these account. I have requested on numerous occasions the proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these accounts.
Product: Mortgage

I am located in Georgia and our area was declared a Disaster Area. My mortgage company, Wells Fargo sent out a letter stating that since we were in a disaster area that payments would be suspended for three months and no late fees or negative credit reporting would be done during this period. This applied to home loans and Equity lines of credit, which I have both. The letter did not state that at the end of the three months you would be required to make all of the payments at once and all late fees would accrue. The letter was very vague and misleading. Now I am receiving a notice that my mortgage is in default. How can this be possible? How is someone expected to make 3 months worth of payments as once when they were having trouble making the regular monthly payment because of extra expenses from the disaster? It would have been easier to try and come up with the regular monthly payment. 

In researching I am not the only Wells Fargo customer who has experienced this problem. I ask you help in resolving this matter, not only for myself but for the others who have been affected and are now in jeopardy of default.
Product: Checking or savings account

On XX/XX/XXXX, Capital One sent me an email stating that ( 1 ) I am a loyal customer, and ( 2  ) I am offered an offer to earn {$450.00} bonus by depositing {$50000.00} by XX/XX/XXXX into my Money Market account ending in XXXX. On XX/XX/XXXX, Capital One sent me another email stating that there are still a few days left to earn {$450.00} by depositing {$50000.00}. On XX/XX/XXXX, I transferred {$50000.00} from an external account into my Capital One Money Market account ending in XXXX. On XX/XX/XXXX, Capital One sent me an email threatening that " Well be closing your account ending in XXXX on XX/XX/XXXX, because We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes. '' My Capital One Money Market account is the only account I have with Capital One. It was opened on XX/XX/XXXX. The account was not actively used recently and the only activity in the past month was the transfer of {$50000.00} into the account, which was in response to Capital One 's offer. It turns out that Capital One didn't want to pay out the bonus and intentionally closed my account because I responded to that offer.
Product: Student loan

I obtained my loans while I was a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I was paying them back, but then in XX/XX/XXXX I was convicted of a XXXX. I lost my job and many sources of income. For the next 14 years, Sallie Mae ( now Navient ) gave me forbearance after forbearance knowing full well that I would never be able to pay them back. I even told one of the representatives that I knew what they were doing ... they were giving me forbearance 's so they could stick many more late fees, penalties and more, on me for the taxpayers to pay when they finally couldn't do it anymore. My other loan from HEAL was taken to court and they obtained a judgement against me ... this was back in XX/XX/XXXX. 
I just wanted you to know, because I saw that you are suing Navient for doing this same thing to me. I am a victim in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( Account # : XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602 ( A ) states that I have right to privacy. 

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX & XXXX purchased a debt from Synchrony Bank in XXXX. The alleged debt was opened in XXXX and the last payment was made in XXXX. The debt was charged off by the company. I had no knowledge of alleged debt at the time and did not pay attention to credit reporting, if it was there. I went to court and advised plaintiff that the debt was not mine. Judge ordered fraud packet, which I completed, however they are claiming the debt to be mine and they are pursuing further actions. This is not my debt, and I would have never charged this amount at this specific store, and I still have an account with the store. They are not producing any proof, other than a statement with a different address than mine.
Product: Credit card

Take a look at the attached documents. I request the bureau to commence an investigation into these accounts, as they inaccurately portray me as late, despite my timely payments.
Product: Debt collection

To Whom this may concern, Upon looking at my credit file in XXXX of XXXX to obtain a mortgage, I realized there was a collection being reported as an open collection item on my credit file in the amount of ( {$3900.00} ) by a company called FCO Fair Collection & Outsourcing. The company said the debt was opened on XX/XX/XXXX this debt is most certainly not mine as this case was dissmissed without prejudice in court ( see attached REQUEST FOR DISSMISSAL signed by the court as of XX/XX/XXXX ), only to have this debt forward to a collection company causing great hardship for me and my wife in trying to obtain a mortgage for our family after years of renting. I attempted to contact creditor to provide proof of debt only to be told debt is allowable by law and that don't have to prove the debt is owed. I went only tell them that the debt was dissmissed in court and forward proof of said dissmissal I was told that the legal court document was worthless and that they legally have a right to seek damages for wear and tear, paint and carpet outside of court. I tried to explain to them that I've in apartment for over 2 1/2 yrs and thought I left the apt spottless, it was signed off my the onsite manager upon acceptance of the key. Nevertheless, it would be expected to paint and replace  carpet but not at my expense I would like the matter be resolved and removed from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, there are unauthorized accounts and inquiries on my credit report. In accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ), I request that all the following accounts and inquiries be immediately blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$56000.00} Unauthorized Inquiries to be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY BELOW HAS VIOLATED MY RIGHTS 15USC 1681s, 15USC 1681a and 12cfr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ALSO HAVE SEVERAL INQUIRES BELOW THAT ARE IN VIOLATIONS AS WELL AND SOME ARE UNAUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I requested a debt validation on XX/XX/XXXX on a credit account by the name of XXXX ( XXXX XXXX XXXX ) with a balance of {$9900.00}. At the time this account was showing as closed with a last payment date of XX/XX/XXXX. A completed investigation was produced on on XX/XX/XXXX stating the account would be deleted as it was unverifiable. In XXXX of XXXX, this account was added back to all XXXX of my credit bureaus as an open account beginning XXXX of XXXX. The balance had increased to {$18000.00}, and has been reporting as an open account with a delinquent account status since XXXX of XXXX since then i completed multiple disputes in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX requesting the the documentation including the original contract including all account billing history to prove this was my account and to validate the balance. i have still received nothing and my credit has suffered tremendously because of this account and has prevented me from financial growth.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Mortgage

I submitted a document from the XXXX XXXX Auditor`s office showing a tax exemption for my property taxes. I still haven`t received the exemption allowed for my taxes.
Product: Debt collection

on XX/XX/XXXX While checking my bank account I noticed that there was a hold on my account in the amount of {$930.00}. I called XXXX XXXX XXXX  to inquire about this hold and was told it was a bank levy/garnishment on my account in the amount of {$800.00}. The bank did not give me the debt company name but gave me the name of the Court officer who file and a contact number along with a docket #. I called the number numerous times on XX/XX/XXXX with no luck. Later that day I decided to search public records and docket number and was able to file the docket number given to me by looking up my name. Under the docked number I saw that the case was disposed in XX/XX/XXXX. It listed the collection agency ( XXXX XXXX ) who purchased the debt from the original creditor. This is not my current address & the addressed listed on the debt was an addressed from 14 years ago. No other attempts have been made to contact me, no letters, phone calls, no judgement letters, no notification that was sent about court dates etc ... I have no recollection of this debt, who is the original creditor. There is a statute of limitation on collecting a debt of this age. There is also a law exempting a bank levy of federal funds!. I receive Social Security for my daughter who is a minor and they just took that money from my bank account. No one can give me no information regarding this debt. The bank told me to call the court officer, but I have had no luck. Where is the proof of the debt that is over 14 years old and never listed on my credit report and no other attempts have ever been made to contact me.
Product: Debt collection

I have been receiving calls in the late evening claiming I owe on a creditcard, Affirm, which I do not recall. Is not even on my credit report, I requested that they send me a letter of officail debt and to stop calling me past XXXX. The agent was interupting me and threatened to arrest and sue me for a debt I do not recall, that is why I requested a letter. She advised me that I need to write a letter to demand the phone calls be stopped but I am on XXXX and could not write the address, as she was yelling and interrupting me.
Product: Mortgage

Green Tree modified my XXXX FHA loan. My XXXX mortgage statement reflects an increase of my monthly payment {$140.00} of " Total Fees & Charges. Upon my inquire, Green Tree tells me these are " legal corporate advances ''. I told them nowhere on the permanent modified mortgage is their language to these fees. Green Tree tells me I have to pay them for the next few years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have [ XXXX XXXX  XXXX XXXX XXXX XXXX ] also shown on my ID for proof There should only be one address listed on my report. Ive enclosed documentation providing proof of current address to make deletion easier. 
Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled [ XXXX XXXX ] my name only has one correct spelling My photo ID is enclosed to show the correct spelling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a XXXX account back In XX/XX/2019 there was a late fee which they said they would remove. I have called them twice now and both times they said its not them it's XXXX, XXXX, equiafax. Today 's date is XX/XX/2019. The other times I called XXXX was Back In late XXXX and XXXX. 

I was looking through my credit today and noticed it was never removed. Was told by the company that this is the best site to resolve problems so I am hoping this get resolves quickly as there should be no late fee 's on my XXXX account. 

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

I provided Equifax and XXXX with copies of the court document showing proof the Judge granted the Judgement in my favor. Equifax and XXXX have contacted the collection agency twice to verify the account. The did not contact the court involved and verify the information proving the Judgement was in my favor and this item should be removed from my credit reports. I filed a complaint with CFPB on Equifax less than 30 days ago and they till verified with the collection agency rather than the courts. They still refuse to remove this collection from my report. This is the first report with XXXX. XXXX has removed the item as they verified the documentation.
Product: Payday loan, title loan, or personal loan

i've been incarcerated from XX/XX/XXXX- XX/XX/XXXX XXXX was unable of making this account or any transaction with this account. 
I reviewed my Consumer Reports and noticed that I had accounts that I never made. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I never had accounts with this company : ( Company Name : Netcredit/Republic ban ) ( XXXX XXXXAccount Name ) : (??? Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be removed. Thanks, Fair Resolution! 

on company : Netcredit /republic ban account open : XXXX XXXX balance {$2500.00}
Product: Credit reporting

The following address that appears on my Credit Report is not mine and never has been, please have it removed:XXXX XXXX CAXXXX
Product: Debt collection

I have repeatedly asked Bureau of Medical Econcs to provide an original invoice documenting what this debt is for, along with any information that could help me identify exactly what this is for. I have no knowledge of owing the amount claimed of {$110.00} to XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, and XXXX must stop reporting late payments on my student loans. 

XXXX records are not accurate. 

US DEPT OF EDUCATION NATIONAL STUDENT LOAN DATABASE ( NSLDS ) shows my loans were in FORBEARANCE at the time XXXX is reporting late payments. 

US DEPT OF EDUCATION STATES LOANS IN FORBERANCE XXXX STATES LOANS WERE NOT IN FORBEARANCE IS IN WILFULL NON COMPLIANCE WITH THE FCRA IT IS UNLAWFUL FOR XXXX, TRANSUNION, AND XXXX TO KEEP REPORTING INACCURATE INFORMATION
Product: Debt collection

Berlin-Wheeler Inc. and XXXX XXXX are attempting to collect an amount of {$430.00} of which I do not owe. Berlin-Wheeler has failed to attempt to contact me or send my a sheet breaking down all cost showing why i owe the balance of {$430.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 3 times to obtain my credit report from XXXX, I sent my State Id, my SS # : I called and requested it two times over the phone and tried to do it on line, they have not sent my credit report, I had no problems from Equifax, or XXXX, but from the report that they sent me my rights have been violated. A consumer reporting agency can not furnish an account without my written instruction. The open dates are inaccurate, last active is inaccurate, date last reported inaccurate. This is grounds for removal and 15 USC 1681 section 602 A states that I have the right to privacy, 15 USC 1681 section 604 A Section 2., as a result of these things on my credit report I have hardship, I have a job, but I live with my Sister, I tried to get my own place and I was unable to because of my credit report. A credit report should not be the determining factor to get a place to live, you have the job making good money, but you can't get in because of a credit score is just down right ridiculous to me, I can not tell you how many people can not get a place to live because their score is too low, or they have erroneous stuff on their credit report that stops them from obtaining a home, these things need to change. If you need to contact me please contact via e-mail XXXX, address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Illinois XXXX.
Product: Debt collection

CRA violation no knowledge inaccurate accounts on my Experian credit report. FTC ID Theft Report # XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sold XXXX BTC for XXXX after a XXXX fee to be transfered to XXXX. 

On XX/XX/XXXX I recieved notice that my XXXX account did not match my coinbase account, so the transfer failed. 

Also I recieved a second email saying XXXX blocked the transfer. I contacted XXXX and they said no attempt to send money was made. Coinbase is mistaken I contacted XXXX  and they said they have no record of any attempt. 

A coinbase CS rep then told me the issue was how I added the account via login, not manual account/routing number input, and then backpedaled to day XXXX as a whole is not supported. 

XX/XX/XXXX I talked to another rep who claimed XXXX is supported. I also recieved an email saying my XXXX account is verified and enabled for transfer. 

Finally I recieved a refund of the BTC/USD but it is pending until XX/XX/XXXX to be transfered to my XXXX account. 

This is unreasonable to hold my USD like this. My account has been credited, but they are holding the money longer than any BTC transaction should take. especially at a nearly 10 % fee of XXXX. moreover, the BTC has already been sold so they are technically holding my USD until the XXXX. 

I am pretty much certain this is not allowed. But moreso, I am expecting this transfer to fail on the XXXX so I am proactively filing this complaint.
Product: Vehicle loan or lease

I have reached out to Ally Financial regarding my car loan. I called on XX/XX/XXXX and requested a re-write to lower my monthly payments to $ XXXX- {$300.00}, due to unexpected expenses. I have spoke to a representative and was given a case # XXXX for the re-write. I was advised to allow 1-2 business days for a call back for this rewrite. I have spoke to representatives in rewrite by the name of XXXX  and she advised me that I only made 6 payments since I had my car loan. I have had my contract car loan with Ally Financial since XX/XX/XXXX. I have made way over 6 payments on my car loan and was also given extension due to natural disasters. I have also spoken to XXXX ( customer relations ) that was handling this issue also stated I did not make consecutive payments in which is not a fact. I need this issue to looked as far as my payments and to have a re-write done on my account.
Product: Credit reporting

Old debt listed as new debt ; " XXXX '' listed twice on Experian credit report XX/XX/XXXX and XX/XX/XXXX ; Per letter dated XXXX XXXX investigated my inquiry and determined no changes were needed. I also asked the company for the status of the account and a response was not given. I 've sent XXXX letters requesting an update to the credit report regarding the XXXX Charge Off 's listed on my credit report.