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

I am submitting this complaint about experian credit reporting agency and XXXX credit reporting agency. I have been disputing an account XXXX XXXX XXXX for months now. XXXX   finally deleted it off my credit report today. It is an account that has fraudulent charges that I had reported. This account does not belong reporting on my credit report and XXXX and experian are still not deleting it off my credit report.
Product: Debt collection

COVID-19 FEDERAL HARDSHIP EXEMPTIONS/ TRUMP FRESH START DEBT CONSOLIDATION/ NEWEST PANDEMIC ACT : ( CARES ), ( PPP ), ( PUA ), ( FPUC ), ( PAC ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EXPEDITED GOOD FAITH DISPUTE LETTER TO : TIME FINANCE COMPANY SETTLEMENT IN BEST INTEREST TO : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - STOLEN AUTO & THEFT INCIDENT TIME FINANCE acted in bad-faith. 
XXXX XXXX Proof of Full-Coverage Claim filed timely with insurance. 
Claim wrongfully rejected. 
Report filed by Sheriff Dept. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TOTAL-LOSS TOTAL-PAY-OFF : Tax 1099C Cancelled Debt {$11000.00} Auto Loan Balance. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - VEHICLE INFORMATION Policy # : XXXX Claims # : XXXX Loan # : XXXX Auto : XXXX XXXX XXXX XXXX. Plate # : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CODE OF ETHICS/ SUFFICE CASE-LAW SETTLEMENT BEST INTEREST TO : XXXX XXXX XXXX XXXX, CIVIL REMEDY, CIVIL DEFENSE 663. TORT ACTIONS AND CONTRACT LAWS 663-15.5 RELEASE GOOD FAITH SETTLEMENT ( 1 ) SPECIAL PROCEEDINGS ( 2 ) REDUCE OR DISMISSAL amount paid or whichever is greater ( 3 ) DISCHARGE DEMAND to party to whom it is given liability https : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BREACH OF CONTRACT/ SUFFICE CASE-LAW SETTLEMENT BEST INTEREST TO : XXXX XXXX AUTO LIEN SALE , AUCTION, CANCEL DEBT OPTION REFUND CREDIT- amount of unearned portion of finance charge SECT. XXXX extended, deferred, or refinanced, as. 
REFUND CREDIT- credit in cash or credit buyer obligated contract. 
1 : ( A ) CASH PRICE debt cancellation agreement option.

( D ) FOR THEFT DETERRENT SECT. XXXX BUYER CREDITED against the evidence by contract SECT. 5604 VEHICLE CODE Full-Coverage for Loss or Damages. XXXX : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BYLAW XXXX MUST ACCEPT TOTAL AMOUNT POLICY LIMIT PAY-OFF DEMAND. 
( Johnson v. California State Auto Assn. ( 1975 ) 15 Cal.3d 9 ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BYLAW XXXX FULLY-LIABLE TOTAL AMOUNT POLICY LIMIT PAY-OFF DEMAND. 
( Miller v. Elite Ins. Co. ( 1980 ) 100 Cal.App.3d 739, 756 ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BANKRUPTCY CODE SECTION : 7, 11, 12, 13. 
https : //www.courts.ca.gov/1067.htm? rdeLocaleAttr=en -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DISPUTE CODE SECTION : 609, 611, 613.

www.courts.ca.gov/documents/adrreport.p
df -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PRIVACY LAWS : ( FCRA ), ( CCPA ), ( CPPA ). 
www.courts.ca.gov/documents/SP11-15.pdf RESPECTIVELY.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the US Dept of Ed/XXXX account XXXX XXXX on my credit report. This account is reported with significant discrepancies across the three major credit bureaus, which are misleading and damaging to my credit profile. The following inconsistencies have been identified : Last Active Date : XXXX : XXXX Equifax : XXXX XXXX : XXXX Account Status : XXXX : Collections or Government Claim or Terminated for Default Equifax : Fixed Rate XXXX : No status listed Late Payment Status : Equifax : Was 90 Days Late XXXX Times XXXX : No late payments listed XXXX : No late payments listed These discrepancies indicate that the information being reported is inaccurate, inconsistent, and violates my rights under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate information to credit reporting agencies. The conflicting reporting of the last active dates, account statuses, and late payment history across the three credit bureaus is a clear violation of this provision. Additionally, 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The current discrepancies indicate non-compliance with this requirement.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The inaccurate reporting of this account as being in collections or government claim or terminated for default, especially when there is no consistency across the bureaus, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt.

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the US Dept of EdXXXX account XXXX XXXX from my credit report with all three credit bureaus. I also request that you provide me with an updated copy of my credit report reflecting these corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a threatening letter from Capital One Bank USA and a Sheriffs office stating that my wages are going to be garnished soon and Im been served in court. I never received any previous proper documents or proper court citation ; they Ive tried contacting my employer and said they will send the wage garnishment letter without previously providing me account accuracy or any modes of account verification even though the law states that is harassment and its prohibited. If that happens I know my employer will let me go. I am a single mother of XXXX  living paycheck to paycheck, no public assistance with over {$6000.00} behind in rent trying to provide for my family and also helping my mom and sister that had a car accident few months back and are unemployed. This will put me in an even worst financial situation and just because I tried fixing my credit.
Product: Checking or savings account

I was wrongfully charged {$46.00} on XX/XX/2020 for XXXX when I was not using the service. I was not sent any email telling me that my free trial was ending. My account was already in the negatives when that charge was made so there was no reason for my bank, Chase, to let that charge to go though.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently written into all 3 bureaus asking that my personal and demographic information be updated correctly. This was requested in writing via certified mail and XXXX, XXXX and EXPERIAN has not made any effort update any of what I requested with supporting documents.
Product: Credit card or prepaid card

Last month on XX/XX/2021 I paid my card off the complete balance of {$130.00}. it wasn't due until XX/XX/2021. Yesterday I got a statement in the mail saying that I owe interest for this month of {$2.00}. that interest was charged to the account on XX/XX/2021. If I paid my balance in full they should not be charging me interest.
Product: Payday loan, title loan, or personal loan

I am filing this complaint against Good Leap, who is financing the solar panels that I purchased for my home. I am trying to file a complaint against the Solar Panels due to the fact that I am financing a non working product. I have called the solar panel company to rectify the issue to no avail. 

I have contacted Good Leap to address the problem and dispute the charge but they continually tell me that they will call me back but never do. As a result, they are denying me the ability to dispute this fraudulent charge with the solar panel company.
Product: Credit reporting or other personal consumer reports

I have been dealing with this issue with EXPERIAN since XXXX.EXPERIAN has continued to violate Fair Credit Reporting Act by continuing to report this charge off on my EXPERIAN credit report.i previously disputed this and attached all required documents to validate my identity,. I also requested application records or screen prints of internet/phone applications, statements, payments/charge slips, investigator 's summary, delivery addresses ' ; ; records of phone numbers used to activate the account or used to access the account and any other documents associated with the accounts. EXPERIAN was not able to provide me with any of the documents requested .According to federal law, this is a direct, wilfull violation of The Fair Credit Reporting Act to continue to report inaccurate/un verified information . I against notice to EXPERIAN on XXXX requesting to have this fraudulent account removed.XXXX  and XXXX have already complied with laws and removed said account.I have attached EXPERIAN response from my complaint on XXXX where EXPERIAN states the furnisher verified the account as accurate without giving me the information that I requested.I asked explicitly to send me validation of the debt, which has yet to be received a year later. Therefore, this fraudulent account should be removed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have the date, but I had previously written them to remove address XXXX XXXX XXXX, XXXX, TX XXXX when I supplied them with the updated address of XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX Addresses were correct for awhile, but now the XXXX XXXX XXXX that I no longer even rent, was used to mail the credit report which concerns me and reappears, wrongly, on the report # XXXX for XX/XX/2022. 

Also, incorrect telephone numbers, previously removed, have reappeared : ( XXXX ) XXXX and ( XXXX ) XXXX. 

I am concerned about the volume and frequency of errors so, accordingly, would like free credit monitoring from Experian on a permanent basis as a result.
Product: Payday loan, title loan, or personal loan

I had a loan with this company and was paid off through allotment. Tried to get a second loan and was told there was hard coding on my file that someone would have to look at in order for me to reapply. No one ever would reach back out. Was told that manager that was reviewing no longer works there. And noone knows when I can get my new lona.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$26000.00} Charged off
Product: Mortgage

On XX/XX/2023 our home was hit with one of the largest hail storms in history for our area. Over $ 111K in damage and home needs roof replacemnt. Our Insurance Company XXXX XXXX issued check to cover damages ( minus deductible ) in the amount of {$81000.00}. To replace our roof it will cost over $ 111K. PenFed Mortgage is our Mortgage Company and uses XXXX as their 3rd party vendor to handle insurance checks released to their mortgage/homeowners. The check for {$81000.00} was endorsed and sent overnight to XXXX XXXX XXXX XXXX. XXXX, SC XXXX : phone XXXX. They received check and then only released a check back to us ( homeowners ) for $ XXXX. They are HOLDING on to {$41000.00} until COMPLETION of project. The issue being we need this money in order to start/complete replace our roof. I have called 5 times and each time they tell me they are reviewing releasing these additional funds and it will take 3-5 business days. It has now been a month and a half and I had the same phone call today with XXXX. It is in review and they will let us know if they will release the additional money to fund our roof replacement. We will be moving into rainy season come fall here in Texas and HAVE to replace our roof as soon as possible. The $ XXXX does not even cover the cost of the shingles. I have supplied signed contract from roofer/contractor to XXXX stating the cost and process. They can start but we need this money in order to pay for the roof. How can we complete a project if we can not start if they hold on to the money to repair? This is happening with so many that I know and they have filed complaints and the banks have then issued the remaining money so they can repair their homes. It is a horrible business practice to hold onto money that families need in order to make NECESSARY ( roof ) replacement repairs to our home. Please help us. Thank you
Product: Money transfer, virtual currency, or money service

Money was sent through XXXX to the wrong people because it didnt ask for verification of phone number or didnt provide name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX & XXXX -- -- They are reporting 2 erroneous account on my credit. They are not mine nor do I owe any insurance company. I have disputed this many time for proof of a signed document which they have yet to provide. These are from 2015? the statute is lapsed also and these are not valid!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has XXXX my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$8800.00} XX/XX/XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXX {$720.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$310.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the XXXX credit bureaus Transunion, XXXX, and XXXX to request my credit profile list only accurate information including name address and employer. 

My legal name is { XXXX XXXX } I have not gone by or have had any other legal name. Please correct. 

My address is { XXXX XXXX XXXX, XXXX XXXX, LA XXXX } please correct. 

My employer is { XXXX } please correct. 

Please assist in ensuring only the above information is reflected on my credit report accurately. I am happy to provide any documentation needed as well to ensure accurate reporting of my personal information. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple requests, via certified mail, to Experian trying to get them to correctly update their error in what has been reported on my credit report. I have sent multiple certified letters dated as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX : All certified letters were indeed signed and picked up by Experian, including proof of Experian 's error. Experian replies and states the same letter, without doing any investigation as requested by me, every time that the letter received isn't mine and will not proceed to correct their error. All my certified letters included the nature of the dispute ( update the XX/XX/XXXX report to current ; not 30 days late ), account number ( # XXXX ), months ( over 30 days late in XX/XX/XXXX ) to be corrected, my driver 's license, a copy of a current bank statement with my current address, and the documents to correct the error. This has cost my time, and money, and has damaged my credit score which has caused a serious financial loss in obtaining any loans, purchasing a house or property, and vehicles. This is an Experian error, that has greatly caused financial loss and a much higher interest rate that has and is still putting me at a grave financial cost due to Experian 's error. This is still going on after, in total, seven certified letters, with the same updated proof to Experian. Please help me in this matter. This Experian error has, in addition to others, cost me not to get an education loan to improve our education, improve income, help my community, and be financially secure ; in not getting loans with much lower interest rates, I am still paying for due to Experian lack of providing me what the law states, but Experian refuses to follow.
Product: Mortgage

I am copying and pasting one of many communications I have had with SLS on the matter related to lender place flood insurance, To date and many months later, SLS is unable to resolve or comprehend the issue. I am in the process of refinancing my mortgage and had to pay the amount to SLS to be able to move forward on the refinancing. 

URGENT REQUEST DUE TO PENDING CLOSING OF REFINANCING TRANSACTION I am writing to request assistance in the resolution of a past due fee amount of {$5200.00} that was in error and as I learned on a phone call with SLS Customer Support relates to lender-placed flood insurance. However, as the attached statement from the lender on the primary mortgage ( XXXX XXXX  ) indicate, as the borrower I already had lender-placed flood insurance through XXXX XXXX. 

When the matter was raised nearly five years ago by XXXX XXXX  that I would be required to have flood insurance due to changes in flood plain near my primary residence, I elected to purchase the lender place insurance through XXXX Mortgage as it was the same cost when I sought a quote for private insurance. 

I communicated to SLS that there was not a need for lender placed flood insurance through SLS as the required lender placed flood insurance was already in place through XXXX Mortgage. 

I would greatly appreciate to the greatest extent possible that a timely response and letter be made available that I can provide to XXXX, as the new lender, that indicates that I do not owe this amount to SLS as an unpaid fee as the lender placed flood insurance was made in error by SLS ( or its predecessors ). 

I am attaching, as requested by the SLS Customer Support Agent ( XXXX ), the Escrow Statements from XXXX Mortgage that demonstrate that the lender placed flood insurance was in fact in place and therefore, there was not a need for SLS to put its own lender placed flood insurance policy in place. 

MAY I PLEASE REQUEST AN ACKNOWLEDGEMENT EMAIL RESPONSE TO THIS EMAIL SO THAT I CAN LET XXXX KNOW THE STATUS. I am unfortunately running out of time under the existing commitment letter and rate lock commitment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific accounts on my credit report, following a recent data breach that exposed my personal information to unauthorized parties. Under the protections afforded by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any fraudulent accounts or inquiries removed from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan with Westlake was paid on XXXX, however it continued to be reported that I had XXXX auto loans out at that time. My XXXX  score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other XXXX credit bureaus have NO SCORE for me according to your site that I was just on? 
What in the world is going on?? I can not even attempt to purchase anything with this XXXX score!! 
Do the XXXX bureaus share information? 
Please help!! Thank You