23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have like XXXX or XXXX credit cards on my credit report that when I applied the terms where unclear so I cut them up and never used them now they are trying to use up front fee 's as a balance that I owe even thou as soon as I received the cards I called them and canceled them and never used them for instance a XXXX card that when I received they had already charged the card XXXX for processing fees I canceled them as soon as I got them and read the terms now they are adding interest and making derogatory marks on my credit
Product: Mortgage

When we log into the site it says contact them if our income has dropped due to covid. We let them know. They had us finally upload some documents after months of saying they are still reviewing. This is a blatant lie. What would possibly take so long Just sitting waiting since XXXX Now they are charging is {$15.00} a month for a property inspection fee because they say our account is past due. This company is trash.
Product: Credit reporting or other personal consumer reports

This is my XXXX dispute letter since XXXX disputing the accounts listed below. Experian has failed to delete the accounts advising they are verified and has also reinserted an account that was deleted. This was done without proper verification as required by law. Per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also Experian is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. Experian is the only CRA reporting these accounts on my report.

The presence of inaccurate accounts on my report directly contravenes this mandate. You are violating 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) among other laws. A reasonable jury will find that you Experian are in violation of 1681 s-2 ( b ) where you did not look beyond the information contained ( I mailed and uploaded XXXX and XXXX Deletions XXXX mail to Experian ) and Experian never consulted underlying documents to verify the inaccurate information so with that being said the question is whether you as a CRA behaved reasonably as well as did you acquire sufficient evidence to support the conclusion of my last disputes.Other laws that were violated are as stated, Experian did not Remove all listed accounts from my credit report immediately, as they are not valid, did not Provide me with a detailed explanation of how the investigation was conducted, as per 15 U.S. Code 1681i ( a ) ( 7 ), nor did Experian Provide evidence of verification from the furnishers of this information, as per 15 U.S. Code 1681i ( a ) ( 1 ). Per my FCRA Attorney Experian has violated these same laws in the past
Product: Credit reporting or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX  XXXX XXXX Balance : {$830.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in violation!

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: Mortgage

1. LoanDepot refused to refund me the payment ( {$3200.00} ) made on XX/XX/XXXX ( via automated on XX/XX/XXXX ) Payments made in XX/XX/XXXX : A. XX/XX/XXXX for XXXX Mortgage ( {$3200.00} ) B. XX/XX/XXXX ( Paid through automated system on XX/XX/XXXX ) for XXXX Mortgage ( {$3.00}, XXXX ) C. XX/XX/XXXX paid {$3200.00} upon the report on the XX/XX/XXXX that the payment of XX/XX/XXXX was returned. SECOND PAYMENT MADE TO LOANDEPOT DUE AS THE MONTH WAS ENDING SO AS TO AVOID A " 30-DAT LATE ''.

D. Payment made on my XXXX XXXX account to LoanDepot on XX/XX/XXXX and IT WAS NEVER RETURNED E. Claim ( Claim # XXXX ) established with XXXX XXXX based on the LoanDepot 's report that the payment of XX/XX/XXXX was returned on XX/XX/XXXX for NSF. 

F. XXXX XXXX gave a TRANSACTION # XXXX and confirmed that the payment was made to LoanDepot on XX/XX/XXXX. 

G. A three-way telephone call was done with me, a XXXX XXXX staff, and a Loan- Depot staff called XXXX ( Extension XXXX ). In this meeting, XXXX confirmed the above transaction number and requested that I faxed my bank statement to convince LoanDepot that the XX/XX/XXXX was not returned. I faxed the statement to him as requested and he called the following day to confirm its receipt. 

2. LoanDepot reports unfounded " 30-DAY LATE '' RUNNING CLIENT 'S FICO SCORES A. We paid our mortgage around every XXXX because of the way we are paid at our jobs in the last 5 years. 

B. Payment returned on XX/XX/XXXX was not communicated on time and my husband 's bank never did also ; resulted in payment going through in XX/XX/XXXX. 

C. Contacted LoanDepot to please do a courtesy removal of this late payment having been doing business with them in almost 5 years but they explained it wasn't possible and I forgot about it.

D. In an attempt to refinance, it was discovered that they reported UNFOUNDED " 30- DAY LATE IN XXXX, XXXX. Please see the attached. 

E. According to my husband, LoanDepot presented two ( 2 ) payments for the month of XXXX which messed up his account, later resulted in a " 30- Day Late '' as the payment went through on XX/XX/XXXX.
Product: Mortgage

In XXXX 2016 I submitted a written request to end escrow of my HOI and ESCROW TAXES ONLY. I received a call in XXXX indicating they received the request to ESCROW TAXES ONLY. Nationstar did not process my request until XXXX 2016. When they processed the request they closed my escrow count completely. I requested to ESCROW TAXES in all communication and instead nationstar mortgage closed my escrow account completely. I have never asked them to close my escrow account completely. I have always asked for ESCROW TAXES ONLY. I am now having to make 10-20 calls to have this issue fixed and I have a tax payment that is due from escrow next month.
Product: Checking or savings account

Received the following email from Citibank on XX/XX/year> at XXXX AM ; " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. 
As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. '' Since then, I have contacted Citibank numerous times in person at a branch, online and by phone to 1 ) be given an explanation as to why the account was closed. More specifically, what rule I violated. 2 ) have the {$1600.00} that was in my checking account returned to me. To which they refuse to provide any detail.
Product: Debt collection

There are repeated calls from XXXX to myself and family members ( mother grandmother father step mother ) threatening to issue a bench warrant for my arrest. They say they are a law firm called XXXX legal group but when they begin talking they demand payment and threaten to issue bench warrant for my arrest. They call repeatedly to all my family members and are extremely rude to them. They call me private and from unknown numbers. They leave case or docket numbers XXXX XXXX./
Product: Credit reporting or other personal consumer reports

After checking my consumer reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a 30, 60, 90, and ND ( No data for this period ) delinquency late payment ( s ). I am demanding the following 30, 60, 90, and ND ( No data for this period ) day delinquency late payment ( s ) be removed and corrected to Current because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 USC 1681a -rules of construction on Section 2 - Exclusions subsection A subsection ( i ) - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) I the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) I the consumer is given an explanation of how I can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 USC 1681n, - Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion.
Product: Credit reporting or other personal consumer reports

Company that I dont know pulling my score hurting my credit. Serious inquiries on my credit file that was not asked.
Product: Credit reporting or other personal consumer reports

Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning XXXX 's, Equifax 's, and XXXX 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, XXXX, Equifax, and XXXX have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX Consumer reporting agencies, including XXXX, Equifax, and XXXX XXXX are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, XXXX is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer.

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy.

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions.

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct XXXX, Equifax, and XXXX to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

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

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/2018
Product: Consumer Loan

I called today to make this company aware that I have had a personal emergency occur and that while projecting my budget out over the upcoming few months taking into account this emergency, I can foresee having challenges meeting the monthly amounts. I asked if there was a way to reduce the interest, refinance the loan, or restructure, even if only temporarily, the loan. I was told no and worse yet, offered few to almost no options. I asked what the company did for people having trouble paying. I was told short of adding an additional $ XXXX to a new loan ( while paying off the current ) and hoping I could score a lower interest rate with the new loan without guarantee, the only other option was to defer one month 's payment in the current loan, and suffer an 'internal late fee. ' I am proactively trying to work with ALL of my creditors, my mortgage company included, in letting all know I am meeting with hardship. I am letting all know two months out before I believe I will be hitting this wall I see myself approaching. I am also a single-income household which makes this all the scarier. Why then, would they not work with me? Can I be the only person experiencing this with Lending Club? Not one time did I suggest walking away from this obligation. At a 25.9 % interest rate and knowing what I know now, I never would have entered into this agreement with Lending Club. I question whether their tactics and practices are even legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper inquiries that I didn't authorize 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
Product: Credit reporting or other personal consumer reports

I recently disputed some late payments that are reporting on my account as to any " transactions or experiences being excluded '' from any consumer report. Therefore, I shouldn't have that information being displayed on my report according to the definitions and exclusions of the word " consumer report '' Pursuant to 15 US C 1681 a Definitions : rules of construction ( d ) consumer report ( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section XXXX681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

I vacated XXXX XXXX XXXX apartment ( XXXX, TX ), property owned by XXXX XXXX XXXX last year XX/XX/year> without any issues or outstanding balance at that point in time and eventually in XX/XX/year> they sent me a bill with various line items stating that I owe them {$630.00}. Below breakdown for your reference : Additional charges/credits/payments after move-out 2x2 Extra Heavy Clean XXXX 2x2 Standard Carpet Clean XXXX Couch/Chair left at dumpster - Requires bulk pick up XXXX Final Trash ( XXXX ) XXXX Final Utility 9 % Admin Fee ( XXXX ) XXXX Final Water and Sewer Charges- ( XXXX ) XXXX Patio door trim damaged at removal of screen XXXX Trash removal x3 $ XXXXitem XXXX Total additional charges/ credits/ payments XXXX When I asked them for detailed proof for above Extra Heavy clean charges ( {$160.00} ) they sent me invoice document with no date and including line item saying PET treatment ( I never had PET in my apartment during my stay at the apartment ) and PAD expenses. When I asked them to provide explanation they didnt. I also dispute Couch/Chair left at dumpster - Requires bulk pick up expense which seems to be blindly added to my outstanding balance ( I never had couch chairs in my apartment and they also failed to furnish evidence for Couch left at dumpster ). When I asked for pictures/Proof they havent shared with me. This led me to sleepless nights for overcharging for something which I never used. I also cleaned the apartment before vacating and handed over the keys in clean possession to its former property manager and they did not say a word during that point in time. All of the sudden 7 months later they cameup with all this charges. They eventually sent this outstanding balance to DEBT collection company ( Columbia Debt Recovery LLC, dba Genesis ). 

When I spoke to them they also started pressurizing me to make full payment or else they were threatening that they will send it to Credit agencies which will impact my credit score. I request you to take the cognizance and do the needful in resolving the issue. Im happy to make payment for charges like Trash, Utility, StandarXXXX cleaning expenses.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not sign any paperwork or have any type of agreement with XXXX XXXX XXXX, Spring oaks XXXX XXXX. I have recently been made aware that my identity was used around the same time frame. I never lived on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My kids mother lived at that address. She has recently admitted to me that she opened. 
these accounts online
Product: Payday loan, title loan, or personal loan

I took out a high interest loan in XX/XX/2016. The loan was for {$4000.00} My payments were to be {$290.00} semi monthly. The payments were set up on my pay dates which are XX/XX/XXXX and the last day of the month. However, at some point the payments started changing to XX/XX/XXXX and XX/XX/XXXX of the month. So, at some point this past year and 1/2 every other payment started getting returned. I tried to resolve this earlier this year with no resolution. I also contacted the company by phone about 4 weeks ago and the customer service person wasn't able to help me again. Today I called at about XXXX and spoke to a customer service rep ( who incidentally said he spoke to me the last time ) and he still couldn't help me. He told me again that I had to call during business hours which was by XXXX XXXX  PST. I calculated that I have paid {$11000.00} towards this loan! Based on all the cleared payments on their system! When I try to view contract online, it says it's not available. The rep said he couldn't view it either. He said it appears that my loan was part of a " migration '' from another part of the company. At this point, my current balance is {$5100.00} and the principal balance is {$3200.00}. Please help me.