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

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I applied for a loan through Personify with the interest rate of 8.9 % after receiving the email it was actually a interest rate of 89 %. I have made 3 payments of {$600.00} totaling {$1800.00} which only {$9.00} have been paid off the principle of the loan. I called the company to see about getting a lower interest rate and how I can get more applied to the principle, they told me after every 6 payments made on time I would get a 2 % decrees. I am a XXXX veteran who needed a small loan to get caught up on some bills. I am asking to see if a company can truly charge such a high interest rate. or what I can do about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I've sent dispute letters to Credit Bureau and did not receive investigation results within 30 days. I've sent certified mail with disputes letters also.
Product: Credit reporting, credit repair services, or other personal consumer reports

The tower loan is showing outstanding when it has been paid in full. I have asked them numerous times to correct it as it impacts my debt to income ratio when home or car shopping etc. They simply have not and will not practice information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX are reporting fraudulent inquiries in my credit file. 
These creditors and companies has violated my consumer rights by accessing my credit file without my consent. I dont not have and accounts or services with these creditors nor did I ask for credit or services with these companies. 
EQUIFAX Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 



Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Checking or savings account

The response to my complaint was that I was able to login but the company did not address the fact that my voice print could not be identified so they would not allow me to call and inform them of the fraud and I could only do this in person at a branch. I logged in to try and report my card stolen but the app would not accept the stolen report and kept instructing me to visit a branch in person and this was not possible as I was out of the country and not near any branches. My cellphone was stolen and compromised and I had no access to it and was unable to send any responses until it was replaced. I would like my money back as I did not authorize any charges on the card by logging in as I was unable to report the card stolen in the app or over the phone and could only do this at a branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a rent collections account show up on my credit report via XXXX XXXX XXXX from XXXX. I disputed this with Experian about XXXX years ago and after their investigation they removed this inaccurate collection. I recently applied to three different homes and was denied by all. After requesting my credit file, Experian XXXX  Bureau is still reporting this collection account. I called Experian several times with no help. This has caused XXXX new inquiries on my file, all which have ended in a denial and is further damaging my credit and chances of renting anywhere else. Not to mention I am now out of {$170.00} in application fees. To date this collection account is still being reported.
Product: Checking or savings account

- On XX/XX/2019 I discovered my Navy Federal Credit Union accounts were restricted. I was unable to withdraw money or pay my bills.

- At the time this happened my household had over {$300000.00} with the credit union. This left us in a very difficult position.

- I called the credit union and sent them numerous messages asking them why they restricted my accounts. They only told me there was suspicious activity on the account, but would not explain what activity was suspicious.

- I received a letter from the credit union today. The letter stated my accounts would be restricted for another 30 days and any remaining money in he accounts would be mailed to me.

- I am unaware of any suspicious activity on the accounts. I have been making deposits, withdrawals, bill payments, and cash advances from my accounts for the 4 years I have had accounts with the credit union. Nothing has changed recently. My activity on these accounts has been consistently within the confines of the contracts I have signed with the credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps telling me that an account on my credit report has been verified, I know that this is incorrect because the company that is reporting the account has agreed to delete the account. The account is XXXX XXXX/XXXX XXXX, they also keep telling me that the account has been updated, I want this account deleted right away, XXXX has deleted the account. I filed a complaint with the CFPB and the company has agreed to delete it. Experian should have their request for deletion right about now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my 3 Credit reports from, XXXX, XXXX, and XXXX  there are 2 closed ( charged off ) accounts that I believe were opened fraudulently in XX/XX/2016 by Discover bank, and also in XX/XX/2016 by XXXX XXXX. I know these were not opened by me because I was still in high school and didn't know about credit until my recent years. I've spent the past year disputing these accounts as fraudulent and haven't had any response from either creditor. These fraudulent negative accounts are stopping me from proceeding to my next steps in life and are hurting my credit score very bad, I would appreciate any help I could get. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation onXX/XX/XXXX with XXXX that my current home loan with XXXX  XXXX # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX ; XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.
Product: Mortgage

My husband and I took out a reverse mortgage in XXXX. At the time, we did not need any extra money, so we made no provision for taking money from our equity as it grew over time. My husband died 3 years ago, and now, XX/XX/XXXX, I need to draw a sum of money from my equity. The mortgage company, NOVAD, says I HAVE NO EQUITY in my home, even though a drive-by appraisal done in XXXX, XXXX, appraised the property at a minimum of {$380000.00}. NOVAD also has told me that if I should sell my home ( I do not want to sell ), I can ONLY SELL IT FOR WHAT IS OWED. That is not true. Nor is it true that I have NO EQUITY in my house. 

Last week I received a letter from a company called XXXX XXXX XXXX, saying I " am qualitied for the HECM program '', and that I can access my equity of {$160000.00}. They gave me a " case number '' of XXXX ''. I know nothing about this company, so I have not contacted them. 

My financial well-being at the point in time depends upon my being able to access some of the equity in my home. I do not understand why NOVAD tells me I do not have " XXXX XXXX of equity ''. THEIR WORDS, not mine. I have NEVER in my life NEEDED extra money, but I do now. I live on Social Security and a small pension, and I need some extra funds to pay a couple of bills, plus have the money to have my house painted ... I live in an HOA and they are sending letters around to the residents giving them a date for repainting, which we, of course, have to pay for. I do not live in a condominium, all the houses here are independently owned including the land ... however, this HOA is " considered a condominium '', which makes absolutely no sense, but there it is. 

Please help. I know that I have equity. I know that that money is mine, it is not NOVAD 'S. Please help me to access it. I have no other recourse. 
Thank you.
Product: Credit card

I think their advertising or offer was deceptive. I was a XXXX for 40 years and read everything I believed that I was going to be able to do a balance transfer for zero interest until next XXXX. I wrote the check from the checks they sent me and got a huge transaction fee for sending the check. I never would have written the check ( I dont need the money ) but I thought it was a great deal. Now it was too good to be true. But the deception was real. No explanation of the fee either. Just appears as transaction fee. I just assume it was because I wrote the check.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018, I noticed an unauthorized check had been paid from my Citizens Bank checking account. The check in the amount of {$390.00} was paid to " XXXX XXXX XXXX XXXX '', and was cashed or deposited at XXXX XXXX XXXX  XXXX. 
I have never heard of or done any business with " XXXX XXXX XXXX XXXX '' I called Citizens bank 's fraud department to report. The fraud department told me they would investigate, I would receive something in the mail to sign and return, and that I should close the account so no further charges could be made on it. I went to the bank to close the account immediately. Since the account was overdrawn due to the fraudulent check, I was not able to close the account, but asked the bank to make it a deposit only account. On XX/XX/XXXX, additional overdraft charges appeared on the account. I called the bank and they said that no hold, or change to the account had been made. This despite my going to a branch office in person to get that done. 
One week after that, I called to ask again about the status of the fraud investigation and the papers I was told I would receive ( but did not ). After being on hold for a while, I was told it was still being investigated and they had no new information. 
On XX/XX/XXXX, I called again, and was told it was still being investigated. The representative said the bank where the check was deposited had not responded to the inquiry from Citizens. 
Two days after that, I received a debt collection letter from Citizens bank regarding the overdrawn account. Receiving a debt collection letter make me believe that Citizens is not investigating the fraudulent check, and the bank may not  even be aware of the issue.
Product: Debt collection

On XX/XX/2021 i received a summons from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Fl XXXX. 
Docs provided documents. 

I contacted them about file XXXX and requested a Debt Validation. After contacting them several times and them stating they had 30 days to provide information they finally sent out and insufficient validation of this debt on XXXX XXXX. Docs provided as requested. 

After I contacted them in regards to why this was not complete and did not have any contract between us. Mr XXXX at that office began to get frustrated and said if I was stating that they stop collecting that he needed to put me on with an attorney. At that point an attorney by the name of Mr. XXXX got on the phone and began to raise his voice at me in a threatening manner and interrupting me before I could finish my request for him to stop his attempt to collect. HE continued to ask me sarcasticaly if this was really not my debt as he kept shouting and acting belligerent. The phone call ended when he stated he was done and if there was nothing else he can do for me.
Product: Debt collection

Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX : Arizona Zip : XXXX Email Address : XXXX Wakefield and associates is the company. 

15 U.S. Code $ 1681c-2 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.

It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XX/XX/XXXX Investigation Request Letter To Whom it may Concern, I recently reviewed my credit report and found a few inaccuracies on my account. These issues are negatively affecting my ability to obtain credit. I understand that you will investigate these items to confirm their accuracy. Please verify the following item for me. 

XXXX XXXX XXXX accounts # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXX XXXX  XXXX account XXXX XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXX. XXXX XXXX account # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXX XXXX account # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

Are you familiar with 15 U.S.C. 1681i ( a )? According to this regulation, if proof can not be provided for the accuracy of accounts, they must be deleted. I request that you delete any accounts that are not 100 % completely accurate. 
Please investigate the following accounts and remove them if there are any discrepancies. I understand from a credit site and board that you have 30 days to complete this investigation. Kindly check these accounts and inform me of your findings.
Product: Credit reporting

I mailed a dispute to experian regarding XXXX XXXX loans being reported on my credit report. XXXX should not be reporting any information due to no longer being the furnished of those loans. Also they are reporting incomplete payment history for the loans. They did not have 2 years worth of history from when the loans were opened. Under fcra the law states complete and accurate information has to be reported to credit bureas. OR if it is not has to be removed. After filing the dispute with experian, I waited XXXX days for a result. Never received anything. I tried to file another dispute and received a message those items were verified and I would have to dispute with sallie mae directly. So I called XXXX and was advised that XXXX had no information since the loans were transferred to another office and could n't find any information in my name also stated they were never notified by experian of any information. I called experian and spoke to XXXX from team XXXX. After citing my writes under fcra, XXXX advised that I was absolutely right, also stated experian did not verify anything with XXXX, did not receive my dispute. But normally does not contact the creditor anyway regarding disputes just posts whatever creditor wants them to report. I advised XXXX I was going to complain to the federal trade commission and consumer finance and sue experian, XXXX advised he was disputing items again and notation I was proficient in fcra law and certain experian would now remove those items. XXXX then asked if there was anything else I wanted to dispute. I answered yes I have a credit card which the credit status was incorrect and I had disputed. XXXX checked and advised they received that dispute and that information had been corrected. I advised the XXXX loans and credit card dispute were filed on the same dispute I originally filed. XXXX stated he would file a complaint must have been a computer error. I am filing a complaint also with the federal trade commission against experian for breaking fcra laws and admitting to do so, I want the XXXX XXXX accounts removed they should n't be on my report, if not I will be hiring a consumer law lawyer and sue them.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX and list of Inquiries.

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: Debt collection

In XX/XX/XXXX an account was open under my name for {$480.00}. The company name is southwest credit systems , L.P . The original creditor is XXXX. I am not responsible for this debt. I sent in letters to be disputed And havent heard anything back its been past 2 weeks. Can you please correct this information and delete it from my background. This is having a negative effect on my credit score.  Please correct the information immediately.
Product: Payday loan, title loan, or personal loan

My payment of XXXX is due on XX/XX/XXXX of every month I made my 1st payment on XX/XX/2019 of XXXX and was charge interest of XXXX then I made a additional payment of XXXX on XX/XX/2019 and was charge more interest of XXXX. I contact prosper and was told any additional payment has to be made on the same day I make my regular payment or I will be charge more interest, that does not make any sense any other loan company that I have made additional monies to has always applied to principal only if I made the extra payment within the same month.