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

The Credit Bureaus stated my accounts were properly investigated Complaint ID : XXXX Complaint ID : XXXX Complaint ID : XXXX but how is this possible if the opening date is inaccurate, and the date last reported is not accurate. This is grounds for removal, that also violated my rights under 15 U.S.C 1681 Section 602 A. States I have a 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.

Also the Credit Bureaus took more than 30 days to complete my investigation.
Product: Vehicle loan or lease

On XX/XX/2018 I tried to refinance car again. The credit union denied my application again. She said the reason is the car XXXX more than it is worth. My credit is not good enough it need to be XXXX mine is XXXX. My ratio is XXXX meaning that they think that I wouldn't be able to make the monthly payments. I co-signed a car loan for my daughter and her credit is worst than mine. I was trying to see if they would approve it without her this time but it was still a no. We brought the car from XXXX XXXX they said that after 6 months to a year we could refinance the car with a credit union and build our credit up together. My daughter has not missed a payment and never a late payment. I didn't think that we would even be approved because my credit is a maybe and her credit is bad. We were financed through Exerter Finance. I called them and explained that the interest rate was too high could they lower it since were in good standing and never late. The interest rate is XXXX. They said go to a credit union, I said we tried that several times and XXXX XXXX said the same thing the car payoff amount is too much higher than the car is worth. Exerter said they don't refinance. Why is it legal for them to give us a Predatory Loan. How did we even get approved, if a person credit is not good enough to Refinance a car then they should not be approved for a car loan. I would like Exerter to lower the interest rate since we have proven that we can pay the car loan on time. Most of the money is going to the interest and not the principal. Can we sue them for Predatory Loan? What are our rights as a consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX and there is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX. 


Please keep in mind th

at Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have m
y written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 the 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

I worked with a lender called XXXX XXXX, who later sold my mortgage to PennyMacUSA. At the time of loan origination, which was XXXX XXXX XXXX, the escrow balances on the account were XXXX for property taxes, XXXX for HomeOwner 's insurance, and XXXX for PMI. So the escrow amount per month is XXXX. The principal is XXXX and the interest is XXXX for a grand total of XXXX per month for a payment. Fast forward to XXXX, the Homeowner 's insurance went to XXXX per month. I received a bill for XXXX for the new monthly payment. When I contacted PennyMac USA, they claim that a the end of each year from the loan origination date, the escrow has a shortage. 

My take : If I am paying my mortgage every single month including the escrow amounts, then at the end of the year, my escrow should be paid off. This does not seem to be the case and therefore, I need this corrected. I was expecting a XXXX dollar increase per month which made sense to me since I am under the assumption that the escrow modification would have been XXXX which would necessitate the increase in the mortgage payment per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax to remove all unknown inquiries that are listed below that ca n't be verified as mine and they refused to help.
1. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXI XXXX XXXX XXXX, XXXX XXXX XXXX  : XXXX XXXX, XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXL : xxxxxx XXXX, XXXX. XXXX XXXXXXXX : xxxx # #, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX has violated my rights. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15U.S.C 1681.Section 602 A. States I have rights 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of 7 inquiries on my credit report, but I do not know what 3 of them are. 
XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Citibank - XX/XX/XXXX
Product: Credit card

fnbo getaway master card. I received a letter after my card was XXXX XXXX XXXX do to inactivity ratio of balance to limit on bank revolving.amount owed on revolving accounts. I had a XXXX balance on the card. The card was used in the last 12 month. The amounts on other cards where none of there concern. all my bills are paid. paid ahead. never late. in good standing. I called the company and could not get a reasonable explanation or get my card reinstated. my credit is good and this should not have happened. Im also being targeted by all of my other cards. they are lowering my credit and raising my raites. I am being mistreated and abused by the creditors.
Product: Credit reporting or other personal consumer reports

I didn't initiate these inquiries, and I don't have any relationships with the creditors. I'm asking that they be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an incorrectly reported payment on my XXXX XXXX report for XXXX of XXXX. I contacted XXXX XXXX and they agreed to remove the late payment. They contacted all 3 Bureaus and it was removed. A couple of weeks later Equifax put the late payment back and now refuses to remove it. I sent them a copy of the letter XXXX XXXX Sent me as a " letter of credit '' removing the late payment and had XXXX XXXX send them another request and they have not removed this payment yet. XXXX and XXXX  removed the late payment with no issue and have not attempted to place back.
Product: Debt collection

This is a collection that was paid on XX/XX/19. This debt was already settled with the creditor and has been removed from XXXX and XXXX credit report. I have the letter from the credit sent in the mail stating account was settled/paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not remove this inaccurate info ... XXXX XXXX {$1300.00} ... I settled this account ... 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account listed as XXXXXXXX XXXX XXXX XXXX. I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own this account.
Product: Mortgage

On XX/XX/XXXX an agreement Chase and the Defendant was reached for trial modification. The trial was for three months and payments were made. The defendant paid the trial modification payments until XX/XX/XXXX when the modification was to to begin. Once the modification begun the defendant made payments as scheduled. A letter was received from plaintiff in XX/XX/XXXX letting the Defendant know that the sign documentation for modification was never received and modification was being cancelled. The Defendant let the Plaintiff know that the modification was still needed and the Defendant did not want the modification cancelled. 
The modification was being paid at that time so the Defendant mailed a new copy of the modification out the Plaintiff. The Defendant at that time was told by the Plaintiff to stop making payments because they would not be accepted anymore because my the loan was being defaulted. 

The Defendant tried to work with the Plaintiff to get the modification reinstalled but the Plaintiff would not do so. The Defendant tried to go through all options that the Plaintiff had but was told that Defendant could not be offered modification. 

The Defendant has currently has been saving every modification payment since XX/XX/XXXX in the sum of XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  dollars ). The Defendant is looking for the opportunity to continue the modification that was created previously.
Product: Prepaid card

The first issue is I requested a new card due to the fact I noticed some unauthorized transactions from XXXX XXXX  and XXXXXXXX XXXX. I submitted the claim on XX/XX/year> I received the paperwork in the mail on XX/XX/year> filled it out and emailed it to them. I was told the next day that they havent received my forms and to resend it ok I did. Called in again on XX/XX/year> and was told my claim was denied due to conflicting information I ask what was conflicting and was told he wasnt at liberty to tell me. I then ask about my other claim which is from XXXX they refunded me on XX/XX/year> and the money is missing I guess. Im not even sure as to why I had to dispute something that was refunded already. My next thing was a shoe store called XXXX I order 3 pairs of shoes for my kids and the package is marked delivered yet not delivered to me. They told me I needed to contact that merchant yet in the messages you can clearly see where the company is telling me to dispute it with my bank.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Equifax was notified via dispute letter that the account XXXX  XXXX is inaccurately reporting a XXXX late payment status, despite no such delinquency being reflected in the payment history. Furthermore, Equifax was informed that the company stated that this account was never late, and I have attached the correspondence from the company. It is contradictory to claim that the account was 30 days late. This is a clear and erroneous reporting error that must be corrected immediately. Failure to do so will result in this matter being escalated to the Attorney General for further action. I am fully aware of my consumer rights under the FCRA, and I understand that each violation carries a statutory penalty of {$1000.00} should I choose to pursue monetary relief. I have attached my dispute letter ( dated and time-stamped ) along with supporting documentation demonstrating this erroneous reporting. I urge you to reference XXXXXXXX XXXX XXXXXXXX and promptly correct this error before further legal action is necessary.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my Cashapp account and balance were compromised and somebody used my cashcard and balance of XXXX  XXXX on a random online merchant. Since then I contacted the original merchant and Cashapp hoping to come to a resolution but have not been able to get in contact with the merchant and Cashapp has denied my dispute.
Product: Debt or credit management

XX/XX/24 : I called and explained my last name is XXXX. They called me a liar. Told me they dont have to give information to original creditor. Also, told me they have me on camera. Which is a lie. Furthermore, a lady stated she was a manager. Told me to XXXX the number myself. Said the previous lady I spoke to XXXX minutes prior only told me she saw me on camera because she didnt know any better.
Product: Credit card or prepaid card

I am writing in regard to a fraud situation that happened on my Chase XXXX Bank Credit Card that happened while I was traveling overseas. My Chase credit card ( along with my XXXX XXXX XXXX was stolen from my possession while I was in XXXX XXXX between the XXXX and XXXX of XX/XX/2021 and both were used fraudulently. This was in addition to other belongings including ID, phone etc being stolen in the same incident. When I became aware of the situation, I immediately reported the incident to Chase. I subsequently filed a police complaint online and reported the incident to a local police station in XXXX XXXX XXXX of XXXX XXXX. 

I went on and provided details of the police complaint along with details of XXXX XXXX own investigation which found me not liable for fraud under the same incident after they conducted their own investigation. These were emailed to the Chase fraud department as evidence. 

I believe Chase did a very poor job of conducting the investigation and reached a decision that I was liable for those charges wrongly suggesting that these charges were made by me. They went as far as to close my account as well. Unfortunately the only explanation that Chase investigator gave to me was that because something like this happened in the past therefore I must be liable for these charges and essentially finished the conversation with me very abruptly. I subsequently called up the Chase fraud department on XX/XX/XXXX to initially open an appeal but when I started to press the representative to provide me a specific reason as to why the investigation was closed, they said that they need more information. When I asked them what information they needed from me to reopen this case, they informed me that they dont know but perhaps I should reach out to the vendors in question and try and work something out with them. I informed them clearly that I feel extremely uncomfortable reaching out to random vendors in XXXX who I dont know anything about nor do I physically feel comfortable going to their offices or shops. I felt extremely jaded by this specific request. 

To date Chase has not been able to specifically provide me a reason for the case closure that actually specifically ties into the fraud case in question. I am not liable for these fraud charges under the XXXX XXXX XXXX XXXX and will not pay Chase for the amount of the fraud charges. I am reporting this to the consumer financial protection bureau.
Product: Debt collection

On XX/XX/XXXX, of 2019, I sent a letter to Portfolio Recovery Associates on account listed below requesting balance. 

Case # XXXX PRA File No : XXXX Original Creditor : XXXX XXXX  XXXX Original Acct Ending # XXXX XX/XX/2019 I have a letter from Portfolio Recovery Associates replying to ledger request for all payments & balance for this account. The payments amount came to XXXX as of XXXX. I have continued to make payment payments of minimum XXXX as agreed upon per mediation and stipulated agreement. 

On XX/XX/2019 in my XXXX  PO Box a letter dated XX/XX/2019 from Portfolio Recovery Associates for a settlement offer for XXXX. The balance details an incorrect as you will see by attached letter dated XX/XX/2019 requesting payments and balance. In addition, you will see on the mailed envelop is sent to my previous XXXX  address where I no longer reside. I have continued to make payments per stipulated agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted through dispute letter and vocal communication multiple times, both XXXX XXXX XXXX and Equifax. both blame each other for being unable to remove errors or delete incorrect accounts. XXXX XXXXXXXX XXXX has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an Equifax report which has been verified by XXXX XXXX XXXX. The Equifax Report is dated XX/XX/XXXX. The Confirmation XXXX XXXX. The account from XXXX XXXXXXXX XXXX  reported in the Equifax report is Account Number is XXXX. I contacted XXXX XXXXXXXX XXXX to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX ( 11 years ago ). There are many errors on this account. The account is missing XXXX XXXX and is blank ( Error 1 ). The Credit Limit is also blank and missing information ( Error 2 ). The Terms Duration is missing information and blank ( Error 3 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 4 ). Amount Past Due is blank and missing information ( Error 5 ). The Date of Last Activity is Reported as XX/XX/XXXX, This is Incorrect The date of Last Payment is XX/XX/XXXX ( 34 months later ) ( Error 6 ). The Actual Payment Amount is Missing ( Error 7 ). The Scheduled Payment information is missing ( Error 8 ). Date of XXXX Delinquency is blank ( Error 9 ). Date XXXX XXXX XXXX reported is missing information ( Error 10 ). This account according to XXXX XXXXXXXX XXXX was opened XX/XX/XXXX with the last payment reported XXXX ( 7 years later ), Yet there is no payment history. The payment history is missing ( Error 11 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. The account is to be deleted from the consumers report. This report has many mistakes.
Product: Debt collection

The  XXXX  website states that my debt was placed in collection wit h PHOENIX FINANCIAL SERVICES  on  XXXX / XXXX / 2017  for the amount of {$870.00}. The original creditor of this collection is stated as, "  XXXX   XXXX    XXXX   XXXX   XXXX   ''. I have submitted a direct dispute on  XXXX / XXXX / 2017  through  XXXX . When I submitted my disputer request, the reasons were " THIS ACCOUNT IS CLOSED '' and in the additional comments I put, " NO CONTRACT ''. On  XXXX / XXXX / 2017 ,  XXXX  said that my dispute was denied. I do not understand why I am being charged for a debt on an account that was closed and then handed off to a debt collector. I have had this issue once before already and it was resolved quick. However, this collection is giving me a lot of problems.