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

" Dear Experian, I received your attached response to CFPB complaint number ( give your CFPB complaint XXXX ) XX/XX/year> ( whatever date you received that letter ) in which you refused to honor my request to block information appearing on my credit report maintained by you as the result of identity theft and fraud. In your response, you gave reasons for the denial of the block in which you determined that either 1. the request was made in error, 2. the request was based on a material misrepresentation, or 3. That I received goods services or moneys as a result of the transactions I am seeking to block. Your letter fails to tell me the source of the information you relied on in making such a determination. My rights found within the FCRA entitle me to a reinvestigation of all contested items from my credit report which I asked you to block for the reason of identity theft and fraud in CFPB complaint number ( give your original CFPB complaint number ) as well as a written response from you which verifies the source of information you relied on in either granting or denying my request as well as the procedures you used in order to obtain that information. Specifically, FCRA 611 ( 15 U.S.C. 1681 ( 6 ) - ( 7 ) ) entitles me to disclosure of the business name and address of the source of this information as well as a detailed description of the procedure by which that source was contacted in the course of your reinvestigation. I therefore request, pursuant to FCRA 611 ( 15 U.S.C. 1681I ), that you commence a reinvestigation of the aforementioned items from my credit report maintained by you and that you provide me with the aforementioned written verification of your reinvestigation procedure as well as verification of the source of information you relied on in your decision to grant or deny my block request. If you are unable to verify these items in your reinvestigation, then I request that the contested items be deleted from my credit report you maintain. ''
Product: Credit reporting

In trying to verify that all XXXX credit reporting firms reflect closed accounts and have CLOSED their credit reporting files on my husband 's file ( deceased XX/XX/XXXX ) I have found credit INQUIRIES were twice made by " XXXX XXXX XXXX '' in XX/XX/XXXX-XX/XX/XXXX ... ... ..which I presume to be XXXX XXXX. After today 's news regarding XXXX XXXX 's MASSIVE fraudulent practices I am presuming this was a 'test ' to see if they could tap into possible open XXXX accounts or?????? For certain HE was not alive to ask for ANYTHING requiring a credit inquiry to Experian or any other firm as ALL accounts were closed/terminated by XX/XX/XXXX. 
I am having problems getting deceased husbands credit files CLOSED!!??
Product: Debt collection

In XX/XX/2022, my husband and I noticed that we had a collections added to our credit reports. The collection statement stated that we were 3 months past due for a debt we did not have any knowledge of. We sent letters to the debtor as well as the credit bureaus to validate this debt XX/XX/2022. On, XX/XX/2022 we received a validation response from the debtors that used past tense terms in their response. The validation response stated that we already had our chance to dispute the debt. I decided to call the account manager for verification of the notice they said they sent. When I spoke with the manager he stated that he notified me via phone call on XX/XX/2022 of the debt, that he explained the entire debt to me and that I responded by saying " I don't believe you '' and hung up on him. This accusation is completely false. We never received any notice or phone calls from this company at all. Not written nor on the phone. He told me to ask for verification of notice through writing, which I plan on doing. We are also still incurring interest on this debt while we are in the middle of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery CO L is reporting an old debt from 2016 as a new debt to my credit bureaus. This incorrect information would cause the debt to report longer on my credit report than allowed by law and also has more of a negative effect on my credit score as making me appear more of a risk to lenders by seeing this as a new debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX XXXX store credit card I paid it off in full. I am now checking my credit score & XXXX XXXX charged me {$10.00} which is affecting my credit score. I was unaware of that charges mabey it came on a next billing cycle or I never received the mail. For those reasons I wish to fix that problem ASAP. I called XXXX XXXX credit department I have no outstanding balance of & XXXX but my lender who ran my credit score viewed a problem with XXXX XXXX charges. So I would like to resolve this issue.
Product: Debt collection

On XX/XX/2014 this debt for XXXX, XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX 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 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
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 XXXX XXXX XXXX. 
wrong spelling of last name. 
NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX ID - # 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 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 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 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 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  Direct to Consumer Report has violated my rights.

15 U.S.C 1685 section 602 A. States i have the right to privacy.

15 U.S.C 1685 section 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1685c. ( a ) ( 5 ) Section States : no consumer reporting Agency may make any consumer report containing any of the following item of information Any other adverse of information, other 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that th information is inaccurate.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I paid off our auto loan with Fifth Third Bank using the final coupon from the coupon book given at the time the loan was started. This vehicle was paid off 14 months ahead of payment schedule. The date of final payoff in the coupon book is XX/XX/XXXX. I waited for 2 months to receive the title. The first part of this month ( XX/XX/XXXX ), I called Fifth Third Bank. I did not get the name of the person I talked to. I was told that even though I paid the loan off 14 months early, I still owed {$96.00} plus {$.00} interest per day until that was paid. I asked why if I had a coupon book, and I made the final payment based on the payment schedule, why would I owe more. I was told the coupon was simply an estimate and at the time of a final payment I would be advised the additional amount owed. My complaint is twofold - ( 1 ) I was not advised at the time the loan was taken out there might be more owed than what showed on the coupon book & ( 2 ) if this is valid, why when the bank received my final payment would they not advise by letter or telephone call that there was more owed -- I had to make the call 2 months later which increased the final amount owed ( if this is a legal way of doing business )? We have had many auto loans and never have dealt with such a underhanded way of doing business. Any auto loan we have had, once the final designated payment was made, a clear title was sent out immediately. I finally received a letter from Fifth Third Bank which indicates the amount owed and that {$.00} interest would be added daily until they received the final payment. I want anyone who deals with Fifth Third Bank to know that you can not trust their business practices. And I would like to know if I have any right to recover the {$96.00} plus {$.00} day interest accrued on my loan.
Product: Checking or savings account

On XX/XX/XXXX at about XXXX XXXX I made a debit card purchase of {$6.00} leaving a balance of {$0.00} in my checking account. Got email alert that my balance was low {$0.00} at about XXXX XXXX ... checked my balance around XXXX XXXX on XX/XX/XXXX the bank app had me overdrawned for a {$10.00} ACH and an overdraft fee of {$36.00} and a direct deposit of {$480.00}. 
I called the bank around noon on XX/XX/XXXX and spoke to a customer service rep who only said that the fees couldnt be reversed and that my accound was overdrawned on the 18th. I told the rep that if if was overdrawned on the 18th then why was I abled to make a debit card purchase using my pin on the 18th ... no reasonalbe respond, just that the fees could not be reversed. 
My complaint is simple ... .the banks are making money on its customers when they can charge a {$36.00} overdraft fee for a {$10.00} overdraft, the acount has a history of continuing bi-weekly direct deposits which had to be in their system on XX/XX/XXXX when the {$10.00} ACH came in so they knew that the money is or will be there credited to my account. This bank has a history of swindling its customers out of their money for excessive fees. 
The results Im looking for is the rescinded of the {$36.00} overdraft fee. 
thank you ....
Product: Checking or savings account

I opened a checking account with PNC bank under a promotion, one of the conditions being not receiving a promotional bonus within 24 months. I contacted the bank by phone on recorded line before opening the account to check if I received the promotional bonus in the prior 24 months and was told I did not. It is important - I state it is the truth I was told that on behalf of the bank on recorded line, and it can be verified by listening to the recordings. I in fact called multiple times to receive the same answer - no bonus was paid last 24 months according to them.. 
After opening the account I did not receive the bonus on time, and when I started contacting them I received extremely dishonest and evasive answers - from just wait and it will be posted later to ignoring calls, not calling back all multiple times and dragging like this for months. The latest conversation today a female who were brought online at my request for a supervisor. refused even to spell her name after asking me to pronounce and spell mine and disconnected the call over my objections to it, after interrupting and ignoring every single of my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

In XX/XX/XXXX, I purchased a car ( XXXX XXXX XXXX ) with a trade-in of my XXXX XXXX. In XX/XX/XXXX, bills seemed to pill up, as I was not getting a raise for 3 years now, so I had to do what was best for me and my family. I explained to XXXX my difficulties. In XX/XX/XXXX I  explained to XXXX that I could make a payment on XX/XX/XXXX, they agreed to it, but after I made my payment, XXXX repossessed my vehicle on the XXXX. After a few months, XXXX contacted me with the balance due, which I thought was high. A month or two later, XXXX contacted me regarding the XXXX account, we made a settlement for {$8000.00}. I made a payment, then maybe 2-3 months later, XXXX and XXXX called, stating they had the XXXX account. I first took them to be scammers, based off what they were saying and their manner of speaking, but I found out they were working for XXXX. We made a settlement for {$6600.00}, I made bi-weekly payments in the amount of {$150.00}. I received a notice for court, but I did n't understand why, because I was already making payments. The notice stated that my case with XXXX had been dismissed and closed. This is when the payments stopped. I noticed XXXX on my credit report in XX/XX/XXXX. I have been contacting them since to have it removed. It shows XXXX balance due $ XXXX. Attached you will see all I have gone through in trying to pay off this debt and have it removed from my credit report, immediately. XXXX 's collection attorney 's have lied to me, forged my signature, and XXXX is a huge part of this. XXXX and XXXX requested my paystubs and bank statements ( 2 of each ), my monthly budget, and a statement stating why I would like to settle ( {$2000.00} ). I did this twice this month, already. The first time for {$500.00} and the second time {$2000.00}, neither time has XXXX contacted me with an answer. I searched the Better Business Bureau and found similar issues with XXXX XXXX as well as XXXX and XXXX. I also searched your consumer search and found that XXXX was sued for discrimination against XXXX Americans, XXXX, and XXXX XXXX for overcharging on auto loans, as I believe I was in the beginning to have traded an SUV to get a XXXX XXXX. I was never sent a settlement package in that particular case on discrimination. I would like to have this debt deleted on my credit report. This has been a huge burden on me. I have been chasing XXXX, XXXX and XXXX as well as XXXX XXXX XXXX in order to make payment and resolve this matter.
Product: Credit reporting or other personal consumer reports

Please delete it [ 's been a month since a send my dispute XXXX  XXXX VIA DEALER Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX VIA DEALER Date of inquiry : XX/XX/XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX MEDICAL Account Number : XXXX MEDICAL Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

my credit report ( i had id theft happen 1 year ago ) shows nothing in collections but i get phone calls from Allied interstate? untill they send me a letter im doing nothing. Maybe they trying to contact my ex-wife i took her phone over in XXXX because XXXX XXXX didn't work in NYC. Also she declared bankrupcy few years after we divorce
Product: Debt collection

I am writing to request the removal of late payments from my credit report. I believe these entries do not accurately represent my creditworthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request the removal of late payments from my credit report. I believe these entries do not accurately represent my creditworthiness.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I'm unaware of them, and the company initiated them without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, checked my credit XX/XX/XXXX of XXXX and realized that my student loans were reporting 5 late payments each in XXXX. I don't understand how that is possible when they have been deferred properly since I finished school. According to FCRA 15 USC 1681 ( a ) my report is inaccurate and unfairly being reported. The credit bureaus are in violation of my rights
Product: Mortgage

In XXXX of XXXX, US Bank Home Mortgage agreed to modify my mortgage related to the XXXX act. They agreed to a new loan term, interest rate and " forgiveness '' of the interest charges during the COVID forbearance period. They sent a legal loan modification agreement by mail. I received this document on XX/XX/2022. Per the instructions, I took the document to my bank and they notarized my signatures. I sent the document along with the required payment ( due on XX/XX/XXXX ) next day air on the morning of XX/XX/XXXX. 

I called US Bank to let them know the document is in transit. After many representatives and 2 hours on the phone, I am being told that they will reject the agreement due to the document not being received by XX/XX/XXXX. They then tried to get me to agree to a different loan modification agreement that adds {$10000.00} and a 1.25 % higher interest rate to the loan modification, which is more than my current rate. I was obviously very upset after this interaction. Fortunately I had made a copy of the packet. I re-read the cover letter of the contract which includes the term, rate, and payment due and it clearly states I have 30 days from receipt to return the loan modification agreement, which is dated for XX/XX/XXXX. Even using the date of the letter and ignoring the actual date of receipt, I am clearly within this 30 day window. The current world situation is stressful enough without being scammed by your mortgage lender. The last terse conversation I had with US bank, I was told categorically by a supervisor that " NO ONE in the entire company '' of US Bank will be able to honor the original agreement. I would also like to point out that this is a Government backed FHA loan, this is my primary residence and I have been in the home for 12 years. 

I have uploaded the cover page of the document showing the date of the letter ( XX/XX/XXXX ) and the XXXX " calendar day '' window to complete the paperwork which would be XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment remarks that are continuously being reported on my credit report. I believe these remarks are inaccurate and need to be corrected. Below are the details of the disputed account : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my Consumer Report, this lender/bank/company are reporting chargeoff/canceled debt. So I contacted them about the 1099C that they are supposed to send to me per IRS Publication 4681, to file on my tax return as income. I have yet to receive it! So I would like to report suspected tax fraud. I also would like to report inaccurate reporting of information per Title 15 USC 1681 s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Thank you!
Product: Student loan

During the national COVID Pandemic, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their 300+ offices nationally during the pandemic.