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

I looked at my credit report and noticed several inaccuracies on my credit report.This account is hurting my my ability to obtain credit. I'm requesting Equifax to remove the following outdated information from my credit report. 
1.XXXX XXXX  account XXXX In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C.

1681c ] reporting periods only run 7 years depending on the type of information. In my case, the information in question expired as of [ XXXX XXXX XXXX ]. 
I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation.
Product: Credit reporting or other personal consumer reports

I REACHED OUT TO TRANSUNION AFTER I ASK FOR MY CREDIT REPORT. THERE WERE INQUIRIES I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I ASKED THEM TO REMOVE THEM AND THEY DID NOT HELP AT ALL.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX  XXXX Balance : {$680.00}
Product: Mortgage

I'm working on a cash-out refinance with my existing mortgage lender to perform a buyout following divorce. Since XX/XX/XXXX the loan application has been pending approval. The approval is granted upon acceptance of an appraisal. From that date until XXXX, despite repeated and regular requests from myself and promises from the lender, nothing happened. Not a single appointment or phone-call from any appraiser. Eventually, I requested that they use an appraiser I had previously used myself. They finally agreed to this and an appointment was scheduled for her to come to take measurements and pictures. This appointment took place 3 months and 9 days after the approval process began. 

The appraisal appears to have been delivered on XX/XX/XXXX. I have no way of knowing this because I am not permitted contact with anyone within the approval department. 

Since this date the appraisal has been sent back 4 times for adjustments. 

My home has been appraised, more than once, for an average of approx. 475,000. I am requesting a new loan of 290,000. This represents a loan-to-value ratio of 61 %. This is a very low risk loan. I have been a customer of that lender for 4 years. I have never missed a payment. My credit score is approximately XXXX. 

The last time the appraisal was sent back it was because the approval company requested a " comp '' with a house which backs onto a commercial lot as there is a car park behind my house. I live in a small city ( pop 135,000 ), close to the centre in a historic neighbourhood. This to say that comps are always difficult due to this situation and having such a specific requirement ( backing onto commercial lot ) makes it even harder. I also question the need. How could such a characteristic reduce the value of a property to the point at which the loan-to-value ratio becomes too high for the lender to be able to accept the risk? The appraiser did find a comp, but for a house sold 2 years ago. 

I thought this was finally resolved and that the loan would be approved, but no. Yesterday the lender sent another question. 24 hours later the appraiser still hasn't received anything and has no idea what the issue is. Nor do I. 

I was told 3 weeks ago that my issue has been escalated. I see no impact at all in the efforts of the lender to progress this application. 

I need this money to buy out my ex wife, who is now threatening court as I am beyond the court set deadline. She expects 2000 dollars to give me an extension until the end of XXXX. 

Taking 4 months to approval a low risk loan is beyond absurd and I would like this to be resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

On XX/XX/XXXX and XX/XX/XXXX with XXXX seperate purchases at Tesla, I was told and lied to by associates over the phone by Tesla both in XXXX and in XXXX, They told me Tesla will not drop prices over the next 30 days and that I should feel assured I was buying the car and the price was the lowest of which Tesla would allow and to please sign as fast as possible as I had to take delivery that specific day. The pressure to sign that day and the sales tatics portrayed were predatory and illegal including admitting to recording phone calls in the state of Florida that per Florida Statue 934.03 ( 2 ) ( d ) is illegal without notification or consent from both parties. They then on XX/XX/XXXX less than two weeks after the original purchase dropped the prices 20 % on one vehicle and 13 % on the other vehicle I purchase causing financial harm to myself as well as emotional and mental harm for being dupped and lied to by persuasion. This is one illegal in multiple manners but two completely irresponsible for such a large company to mislead and misrepresent facts and not make the clients whole or take back the UNUSED merchandise which has not even been titled to the purchaser within that given timeframe. Please help in this instance, I feel helpless as a consumer whom was soo clearly lied to, took advantage of and misrepresented to. Thank you
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have an account with XXXX XXXX XXXX that has been charged off and late. The 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 have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late and charged off. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you. Please see screensdhot attached :
Product: Debt collection

On XX/XX/XXXX Synergetic Communication, Inc. sent me a letter attempting to collect on a debt they claim originated from XXXX XXXX XXXX  in the amount of {$1400.00}. On XX/XX/XXXX I sent a letter by certified mail disputing this claim, and requesting that Synergetic Communication cease any further communication regarding this issue, as outlined by the Fair Debt Collection Practices Act ( FDCPA ), and I considered the matter closed. 

On XX/XX/XXXX Synergetic Communication, Inc. sent me another letter attempting to collect on the debt they claim originated from XXXX XXXX XXXX  in the amount of {$1400.00}. The only difference between the two letters is that they changed their internal account number for the claim, even though it is clearly referencing the same disputed debt claim. 

This is an obvious attempt to circumvent my request to cease any further communication, and a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I am writing to you to request the removal of incorrect addresses from my credit report. Upon reviewing my credit report, I have noticed that there are addresses listed which are not associated with me or my current residence. These inaccuracies are potentially affecting my creditworthiness and financial standing. 


My only addresses that should be on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I confirm that the addresses mentioned above are the only valid and accurate addresses associated with my current residency. Any other addresses listed on my credit report are erroneous and should be promptly removed to ensure the accuracy and integrity of my credit profile. 

I understand the importance of maintaining accurate credit information and request your prompt attention to this matter. Please investigate and rectify these inaccuracies as soon as possible. If you require any additional information or documentation from me to facilitate this process, please do not hesitate to contact me at the provided contact information. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the incorrect addresses from my credit report.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with ( company name ) for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit card or prepaid card

I had 2 purchases from XXXX that were reported as fraud. XX/XX/XXXX for {$600.00} & XX/XX/XXXX for {$11.00}. I did not authorize either purchase and had possession of my card. When I discovered it I reported it as fraud and an investigation was opened. I was given a credit back for these charges while the investigation took place. On XX/XX/XXXX the {$600.00} was charged back to my credit card and on XX/XX/XXXX {$11.00} was charged back. This is of course a new card as my old card was shut off due to the reporting of this fraud. After talking with Capital One they state there is nothing they can do as they show the purchases were 'authorized '' even though I keep telling them they were not. I talked with " XXXX '' in the Fraud Dept who said she was the " highest up '' person I could speak with. When I asked for her information/ extension she dismissed my request. The call occurred XX/XX/XXXX @ approx XXXX PST to XXXX. My email and phone were hacked on XX/XX/XXXX and I have had my IT person trying to clean it up ever since. I have called XXXX and they told me that an account was opened using my information on XX/XX/XXXX so I cancelled it. On our around the middle of XXXX I received a microphone from USPS in my office. I assumed this was part of the fraud and reported it to the USPS in the form of a fraud complaint. I still have the package as USPS asked me to keep it in case they needed it for their investigation. After taking to the Rep at XXXX, XXXX, he is sending a label to mail t he piece back. This call was placed @ XXXX PST to XXXX. This item was the charge for {$11.00}. I will take a picture of the item before I send it back. The paperwork inside the package is attached. When I called the number is sounded like a scam recording so I did not dare log onto the web address. I kept this paperwork as instructed by USPS. Apparently the {$600.00} charge was for something you download for XXXX  which I have never had being a XXXX year old woman. Because Cap One is indifferent to my fraud claim I will now file a Police Report with the XXXX Police Department. I also reported this to the XXXX  when it occurred, see attachments. The information listed on the original charge was below, a disconnected number when you call it. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Merchant Website
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure t
hat each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin XXXX XXXX XXXX  was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$70.00} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00}
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files.

Please investigate the bellow accounts validity within my consumer report that you maintain under my name and update my report to your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines.

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be validated, DELETE from my consumer report. 

ACCOUNT : XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice. Failure to do so could constitute willful non-compliance. 
Please DELETE this erroneous, inaccurate information from my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX, Pa.XXXX On XX/XX/2017 my wife traveled on the XXXX XXXX XXXX making 4 trips, she said that she paid each time with cash, but didn't get a receipt. I received written notice that my vehicle failed to pay this toll, after some back and forth a company named " Transworld Systems Inc. '' contacted me via a written notice that they were now attempting to collect this debt on behalf of XXXX XXXX XXXX XXXX. 
The amount was {$220.00}, after several phone calls Transworld Systems Inc., said they would agree to a payment of {$120.00} as payment in full and that they would notify XXXX XXXX XXXX XXXX that the debt was paid in full by way of this settlement. 
Transworld Systems Inc. 
XXXX XXXX XXXX XXXX, Oh. XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, I am a victim of XXXX XXXX The information listed below, which appears on my credit report is the result of XXXX XXXX : XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$33000.00} ; XXXX XXXX XXXX {$4700.00} XXXX XXXX  : {$3500.00} Department of Education XXXX {$44000.00} Department Of Education XXXX {$10000.00} Department Of Education XXXX {$10.00} Department of Education XXXX {$3.00} Department of Education XXXX XXXX {$44000.00} ; Department of Education XXXX {$100000.00} Department of Education XXXX {$10000.00} Department of Education XXXX {$3500.00} Please block this information from my credit report within four business days pursuant to 605C of the fair credit reporting act. Please send me notification of the acts taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX