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

Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Product: Credit card or prepaid card

hi. i'm thrifty loyal reward member. i'm traveling almost every week while the whole world is indoor. when i showed up to the counter with my reservation i showed the clerk my reservation for a standard suv but he said i reserve a buick encore. small suv i told him i rented the XXXX but modify the reservation for the XXXX XXXX a bigger suv, more safe, at {$35.00} per day.i showed him a screenshot photo as proof. after 20 minutes he said i'll give you the suv no problem. i asked at the same price i rented? he said yes. he never showed me anything. i didn't signed. my profile its in the computer. he just gave me my space number.after i returned the car i received the folio by email with a {$40.00} surcharge for the alleged upgrade and {$42.00} a day. i emailed thrifty never got an answer. i called chase 3 times. i asked for a manager. a manager called me 3 days after i said i have proof please allow me to mail you the proof. she agreed to mail me a letter were i can answer questions of the dispute and mail a copy of my screen shoot. it never happened chase close the dispute and alleged that thrifty is right. chase id=s denying my right to present my defense and proof. chase is not a neutral party. chase is taking the merchant side without any investigation. a total abuse. i don't have to tell you that i rented my car this week with another rental company and cancel my thrift reservation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Credit Bureaus a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from them firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed items must be investigated. 

1. The following accounts has wrong balance : XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Debt collection

Williams and Fudge has repeated called me and my husband ( when our debt is not joint. ) Used hostile and threatening language with both of us when we could not pay the amount they set but could only offer a lower amount. When asked if we could settle the debt all out for a slightly lower amount then the full debt they lied and said that I would never receive my diploma from the school, my official transcripts, and it would be as if i never went there. ( I already had by diploma and transcripts at this point ) They stated that the school would never send me these things even if I later wanted to pay the rest of the debt and my only option was to pay the debt in full, pay the huge monthly payments or lose my bachelors.
Product: Mortgage

I pay my mortgage 2-4 weeks in advance of the due date. My payment for XXXX was made prior to me receiving information that it was increasing due to an escrow shortage. I made up the difference and paid my XX/XX/XXXX2023 payment. On XX/XX/23I continued to receive text messages asking to make my XXXX payment. I called that night to find out that they didn't apply my payment as a payment for the month of XXXX or XXXX but rather applied it toward principal. This resulted in a junk late fee of {$50.00} and is impacting my credit score. The young lady I spoke with stated that she would correct it while we were on the phone but that I would still need to pay the XXXX XXXX I did immediately. Today I logged on and noticed nothing has been corrected and the account still reflects that I owe an XXXX payment. The young lady I spoke with Monday stated that " Rocket Mortgage has the right to apply any payments how they see fit ''. She also stated that if I made the additional payment of XXXX $ Monday evening that would avoid any further late fees. But none of what she advised has occurred. This isn't right and it's unfair and deceptive to the consumer as it causes harm to credit reporting. I believe that there are UDAAP and FCRA infractions here along with Reg Z. I just want this corrected and resolved as I've done everything that was advised by Rocket Mortgage. Please help!
Product: Checking or savings account

On XX/XX/year> I attempted to withdrawal money from my ATM. It was declined multiple times. I called USAA and was told to use a different ATM. That was also declined by my financial institution as the error read. I was told by USAA that it was my card and to use my wifes. My wifes card worked for pulling out some money then once again it stopped me from withdrawing funds. Once again I contacted USAA and they told me they don't know why its doing it and they can't tell the system to stop. At this point I am unable to withdrawal my money that is backed by FDIC.
Product: Debt collection

LVNV is attempting to levy my bank account on a debt that i have no ideal about. They have added interest, attorney fee to this alleged debt that they have yet to prove and due to the fact that they have not followed proper civil procedures they have obtained a clerical judgment.
Product: Credit reporting

Experian is refusing to give me my free credit report from a " 60 day adverse action ''. I was denied credit with XXXX XXXX on XXXX XXXX 2015. I have tried to request a free credit report from Experian several times online, and each time their website displays " unable to honor your request. '' I want the credit report provided to me in an online format, as I do not trust my credit information being sent through the mail. I am entitled to a free credit report from Experian due to the adverse action, and I would like to see it online.
Product: Vehicle loan or lease

At the end of my lease for the 2022 XXXX XXXX XXXX, I received a bill charging me for " Excessive Wear and Tear. '' One of the items listed was the tires! The car had not been in any accidents, and there was nothing beyond normal wear and tear. It was driven for 3 years, showing only expected signs of use. I returned the vehicle to the XXXX Hyundai dealership in XXXX, TX, without any issues. Tires, like brake pads and fluids, are consumable parts of a vehicle, and no one should be charged for them upon returning a leased car.
Product: Debt collection

I want to acknowledge your efforts in removing some of the disputed accounts from my credit file, following my previous dispute. However, I wish to address my confusion and concern as there are still discrepancies on my credit report that remain unresolved, despite being successfully rectified by other credit bureaus. The following accounts are still inaccurately reported on my credit file : 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. I want to emphasize that these accounts have already been removed by the other credit bureaus. I have attached the necessary documentation to support my claims, and I request a thorough investigation to correct these inaccuracies promptly. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Payday loan, title loan, personal loan, or advance loan

I am making payments and my last payment will be later in the year. However the total payments will only be around {$2200.00}. It states that my pay off is currently around {$9000.00}. 

I emailed what if anything would be owed at the end. When i met with them to get the loan they advised just make the payments as a greed and it will be all taken care of. There is just no way. 

I did have a couple of late payments that were returned but I did pay and have never missed a payment. The contract said they would charge {$30.00} however they charge {$60.00}. 

I also believe i may be paying for things that I did not need. It all seems very nefarious at the moment.
Product: Debt collection

This company calls me multiple times a day, leaving voicemails continuously. I have asked them to stop. I have even blocked their number and they still continue to call and leave voicemails daily. I do not owe any debts to them and they can not confirm any information to validate the debt.
Product: Credit reporting or other personal consumer reports

Certified mail was received on XXXX by ( debt collector requesting validation of debt. They responded with medical records, a DIRECT violation of HIPAA regulations. 
Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPAA form authorizing access to any such medical records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by XXXX, XXXX, and Experian. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}. This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a US Soldier, and I am called to deploy at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on duty. I notified XXXX XXXX in writing before deploying that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from deployment that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam ; I recently received a credit alert that my name and SSN were being used at 3 different addresses where I never resided at. I also never used these addresses for mailing purposes, I am concerned because in the past the 3 individuals who do reside there know me personally and have attempted using my name and SSN to possibly receive mail or order credit cards or products. 

I contacted Experian and have placed a credit alert as well as a credit lock for 1 year. 

Kindly, assist me with this complaint to prevent any form of credit theft using my name and SSN! 

I would like to request the addresses provided below be removed from my credit report and history. 

Thank you in advance! 


1 ) XXXX XXXX XXXX XXXX, NY XXXX 2 ) XXXX XXXX XXXX. 
XXXX NY XXXX 3 ) XXXX XXXX. 
XXXX XXXX, CA XXXX
Product: Mortgage

We have not received a statement from Citi Mortgage who is our lender, since XXXX 2016. In XXXX we had to pay {$26000.00} to Citi Mortgage in reference to a repayment plan due to being denied for a modification. We have no idea what our new balance is. If we have even received credit for that payment. We have also made payments in XXXX and XXXX that we have no record of proof it has been applied to our loan. On XXXX XXXX 2016 we received an email regarding a returned billing statement. The email states that the correspondence recently mailed was returned. I called the number on the email, spoke to XXXX XXXX. He verified the address he has and it is the correct address. 
We have received other correspondence in the last couple months from Citi Mortgage so why would we not receive our statements. Our address has been the same for the last 30 years. 
Citi Mortgage has violated the periodic statement rule. They have violated our right to ensure that we receive prompt, regular, and accurate information about our mortgage loan. 
This error made by Citi Mortgage puts us at risk since we are in a foreclosure status until our repayment plan is complete. In the past we have dealt with an enormous amount of errors made by Citi Mortgage with the modification process and this is another one to add to the list. 
Why an email now and not 4 months back since XXXX is the last time we have received a statement?
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of erroneous accounts from my credit report. Could you verify the documents? There are inaccuracies in the reported accounts, including incorrect amounts and dates.
Product: Student loan

They gave me paperwork to fill out and send back for a temporary forbearance. Which I did. Didn't hear or recieve anything from them for a few months. Then recieve a notice from IRS two months ago ( XX/XX/2018 ) saying they put a offset on my tax return, for failing to make payments. My accountant and the IRS told me to call and work out a earnings based payment plan. I have called Navient seven times since. Today included. Navient staff tells me, that my loan is in default and not assigned to collection agency, so nothing they can do. To call back next week. I am holding off filing my taxes. Lest, my husband have his return taken by these crooks. I obtained this loan prior to our marriage, but my state recognizes it as community property/debt.
Product: Checking or savings account

I closed my wells fargo account on XX/XX/2020 and now XXXX   XXXX XXXX  said i owe {$5.00} amount and plus {$30.00} bonce checking and must pay to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I already burn up all my old checking in my born fire as their is no way theft get my check book because it is already XXXX  I also file XXXX XXXX police report as police said XXXX XXXX XXXX companies closed down 5 year ago as XXXX XXXX said sound fake set up from XXXX company as here is police cases # XXXX
Product: Mortgage

I went thru the process of deed-in-lieu win XXXX. My house was financed with Greentree Mortgage. One department would tell you to make your payments or your deed in lieu would n't be approved. After several months of this, I found out that was not true and my credit was ruined anyway. I could have saved the money and fed my kids. So in XXXX XXXX, I received a XXXX. The tax accountant filed and I thought I was done. Then on XXXX XXXX, XXXX, I received a XXXX from Ditech Financial for XXXX. First, is the deadline to send not XXXX XXXX? Now I have to go back to an accountant and pay additional money to amend a return. I do n't understand why it took them so long to send and why I keep losing money after the shame of having to give my house back due to a horrible divorce.
Product: Checking or savings account

There were 57 transactions that i do not know about international charges. Outside of us. And i disputed with wells fargo and they denied it. I do not ever authorized around over XXXX usd of transactions internationally. I made dispute on XX/XX/year> and got the result today XX/XX/year>. And i have bills to pay. And no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC filed XXXX XXXX for {$770.00}, XXXX XXXX XXXX XXXX for {$8300.00}, XXXXXXXX XXXX XXXXXXXX for XXXX These accounts was the result of identity theft. According to the law 15 USC 1681c-2 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Transuion have stated the do not have to comply by the FCRA.
Product: Credit reporting or other personal consumer reports

I do not recognize there credit inquiries and that i asked for them to removed and the bureaus did not do as I asked. I am going to provide an Identity Theft Report, which I will attached to this, and I'm requesting them to be removed because they are inaccurate and not mines
Product: Debt collection

I went to one main financial for a loan, that initially would have equaled XXXX a month to pay. They told me about these add ons and perks with the promise that I could cancel them whenever I desired.. my first payment was XXXX and I was appalled. I reached out to them and they didnt help me cancel, I tried working it out with them, but was not successful. I was taken to court, without my knowledge, and now Im being garnished
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number : XXXX XXXX XXXX Account Number XXXX XXXX, has violated 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Equifax was subject to a major breach that included 143 million American 's PII. According to their system, I was one of the individuals affected. I am now a strong target for identity theft as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXXs Account # XXXX XXXX XXXX Account # XXXX First XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # 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
Product: Checking or savings account

To Who it may concern, I am reaching out to try and get my problem resolved properly. My daughter passed away on XX/XX/2023, in a fatal traffic accident. When trying to close her account US Bank refused to do what was obviously right. On XX/XX/2023, I contacted US Bank to report the passing of my daughter and if they can freeze the account. I noticed that my daughter 's account was showing transactions occurring after her passing. I called again to advise of this activity. US Bank did not act to freeze the account. I let them know that it would take at least 4 weeks to get the Death Certificate. Once I received it I presented the certificate to US Bank. I asked them if they could reverse the fraudulent activity to the account and they proceeded to tell me I need Letters of Administration. I would have agreed had it not been for the XXXX Affidavit that I submitted. My daughter 's estate consisted of just her bank account she was only 26 years of age. In a large estate, it is very reasonable to require such documents under the probate code. In my circumstance, this is beyond unethical of a bank like US Bank to deny a beneficiary the ability to file fraud on the account. They state that only the account holder can file the fraud or someone who has Letters of Administration. I advised them that a XXXX small affidavit should be sufficient. The purpose of Letters of Administration is for large estates, not small estates like this case with just a bank account. The account might have had a few XXXX dollars but US bank wants me to file for Letters of Administration that cost {$490.00} to file so they could act on what is right. It is wrong that a large bank will do this and I am sure there is plenty of other individuals they have done this to. This has brought me so much anguish that such a large bank would be so reluctant to do what is right. They refused to freeze the account and this is why I am now dealing with this. Please help!
Product: Credit reporting or other personal consumer reports

microbuilt consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys