23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

Equifax 1XXXX XXXX XXXX {$0.00} 2. XXXX {$0.00} 3.XXXX XXXX XXXX XXXX {$350.00} 4 XXXX XXXX {$180.00} 5 I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

In XXXX of 2017, I visited XXXX XXXX XXXX in XXXX XXXX, Louisiana in search of a vehicle. During my visit I requested that my credit be run through XXXX XXXX only. Within minutes of leaving the dealership, I received alerts from my credit monitoring service that my credit from several places. It was written on my application XXXX XXXX only. Since then, XXXX XXXX XXXX has been able to locate this application form for me & has provided me with a letter clarifying I requested for XXXX XXXX only. 

XXXX XXXX XXXX XXXX were both places my credit was pulled & I have informed them about the letter from XXXX XXXX XXXX.
Product: Mortgage

Loancare took over my mortgage in XXXX. They misappropriated funds from the past mortgage company and said I was in default. I called them 7 times over a 2 month period to get this corrected. They finally fixed my account but still filed a report and said I was in default. They also charged me late fees and never credited my account for those fees.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information
Product: Debt collection

Filed dispute on XX/XX/20 due to the wrong amount showing on my credit report. I was able to get old bank statements that shows i made 6 payments of {$31.00}. My contract was for a total amount of {$800.00}. If you subtract what i paid i only owe {$620.00}. After my dispute they now say i owe them {$930.00}. I sent them the bank statements showing the payments I made. The companies involved are Aargon Agency which is representing the XXXX XXXX XXXX XXXX.
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. 
All companies listed below have violated my rights. 

Achieve XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX Bank - ACCT # : XXXX XXXX / Dept. of Ed - ACCT # : XXXX XXXXXXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX  - ACCT # : XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX XXXX XXXX - ACCT # : XXXX PLEASE SEE RESOLUTION BOX BELOW FOR LIST OF VIOLATED RIGHTS!
Product: Debt collection

I have received letters from Nationwide Credit Inc that I owe money. I got validation letters ready and post office was not able to send letters because address listed on the letters from Nationwide Credit Inc is not legit. I am unable to validate debt. I am also unable to communicate with Nationwide Credit Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Finance Systems of Richmond is still reporting a collection account and balance on my credit reports even though they agreed to remove it fully from my reports for a settlement in the amount of {$240.00} which was 50 % of they amount they claimed I owed. I dispute that I even owed the debt, but was advised to offer a settlement in return for the deletion of the collection from my reports as the quickest way to resolve the issue.

Finance Systems of Richmond has cashed the settlement check, but not honored their agreement to remove the account fully from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on 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

XXXX XXXX judgements have been paid and XXXX XXXX have been paid. I need those accounts removed from my file.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Currently I am being harassed through phone calls, emails, written mails, etc by Navient for repayment of federal student loan. As directed I have been making payments directly to US Dept of Education in XXXX GA for the past few years and I am current. I am pregnant and this harassment is a huge inconvenience and very unhealthy
Product: Vehicle loan or lease

My signatureXXXX. I never legally signed the Retail Installment Contract and Security Agreement of XXXX and Retail Purchase Agreement if XXXX. Its a digital signature that they provide when they dropped off the car. I know that Esign and UETA acts there are for major requirements for an electronic signature to be recognized as legal under U.S. law. And that is the Intent to sign, consent to do business electronically, clear signature associations and record retention. This is for the State of South Carolina. BridgeCrest and XXXX has violated so many of my rights without a proper remedy. My Consumer Fair Rights, Dealership Act of SC and My Right to Rescind and Regulation of Manufacturers, Distributors, and Dealers and Motor Vehicle Dealers Trade Regulation Rule.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " DELETE '' THE ACCOUNTS Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified on XX/XX/2018 from XXXX XXXX and my XXXX XXXX account through XXXX XXXX regarding a hard inquiry reported on my XXXX  credit report without my knowledge. I knew this was identity theft as I recently found out about another hard inquiry a few days prior with an account being opened without my consent/knowledge through another company. I am currently dealing with that case and have registered with the FTC as a victim of identity theft as well as submitted an FTC fraud report. In addition, I had also notified the 3 credit reporting agencies of my initial unauthorized hard inquiry from another company and on XX/XX/2018 placed a fraud alert for 90 days on my credit reports. I contacted XXXX  credit reporting agency immediately on XX/XX/2018 who advised me to contact Synchrony Bank with whom the credit inquiry was made to dispute the matter regarding removal. I spoke with the supervisor from customer service at Synchrony Bank who could not assist me further as they state they would need more details about the account otherwise there is no way they could trace the transaction that took place as they are lenders for revolving store credit accounts of numerous companies. I explained to them the only information reported on the credit report was SYNC-National Credit Cards/Airlines ( see section of report ). It was also told to me that most likely it is showing up like this because the initial application for a line of credit was denied therefore Synchrony Bank does not receive record of these transactions and thus they can not be tracked. I was again advised to contact my credit reporting agency to dispute the matter. Unfortunately, the credit reporting agency states it must be dealt with company and they would need a letter from them directing them to remove the unauthorized/fraudulent hard inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022, I received an alert regarding my credit file. After reviewing the alert, I realized that Macy 's report a 30 late payment on my credit file, which reduced my credit score by XXXX points. I contacted Macy 's to find out the reason why they reported a 30 late payment on my credit, and I was told that I missed a payment. In the pasted 7 years I've always have auto pay that way if I were to forget to pay my bill the auto pay would illuminate those issues. In the past 7 years I have never had a 30-day late payment on my Macy 's account. Macy 's removed my auto pay and claim that they try to initiate a payment from my bank, and it did not go through. I contacted my bank with a Macy 's representative on a 3-way call and the bank representative told Macys that the account had sufficient funds to cover the amount they try to withdraw. Clearly Macy 's made an error with their process, or they deliberately did that to ruin my credit file. I am requesting Macy 's to notify all 3 credit bureaus and notify them to remove the negative remarks from my credit file immediately. Macy 's credit department did not notify me that they tried to initiate a withdrawal from my checking account on file. Macy 's credit department did not notify me that I was falling behind 30 days. Macy 's did notify me that they removed the auto pay from my credit file. Had Macy 's followed their company 's policy, this incident would not have happened. I am in the process of closing on a new home in less that 45 days and with this negative report on my credit file, it will prevent me from closing. This will prevent tm from getting a mortage. This matter needs to get resolve immediately without any further delays.
Product: Debt collection

Received XXXX calls on XX/XX/2023 regarding someone elses debt. Once I told them they have the wrong number, they ignored me and continued asking if I knew this person even after I told them to remove me from their contact list. They are violating the Fair Debt Collections Practices Act just by their action of trying to reach someone other than the exact person that they are searching for and violating the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXXXXXX - Opened on XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention unauthorized inquiries that have appeared on my consumer report maintained by your agency. Upon reviewing my credit report, I have identified inquiries that were made without my authorization.

Enclosed with this letter, please find a copy of the federal law enforcement report documenting the unauthorized inquiries. This report serves as official documentation of the unauthorized nature of these inquiries.

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to control who has access to their credit information, and unauthorized inquiries violate these rights. Therefore, I request that you take immediate action to investigate the unauthorized inquiries and remove them from my credit report.

Additionally, I request that you provide me with a copy of my updated credit report reflecting the Deletion of the unauthorized inquiries once the necessary corrections have been made. 

Sincerely, XXXX XXXX List of Inquiries to be deleted : XXXX XXXX XXXX  ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( TRANSUNION ) XXXX XXXX XXXX XXXXXX/XX/year> ( TRANSUNION ) XXXX XXXXXX/XX/year> ( TRANSUNION )
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this loan off XX/XX/2019. I was never late!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Payday loan, title loan, or personal loan

I am currently off of work due to hospitalization and needing to have XXXX. I do not have a return date, have no income until my short term XXXX is approved and comes through. I called this company to see about a deferment, they advised me no assistance due to not having the current loan opened for 6 months, okay, we told them we may have the funds Friday, they asked me to pay on Thursday and stated it won't clear until the XX/XX/XXXX, kind of asking me to overdraw and make a charge on my account with funds I do not have. Per the loan agreement I am supposed to have a 10 day grace period however what the rep relayed to me was I needed to pay the XXXX or it would be reported late because my payment was due on the XXXX. That is 3 days. It does not matter the due date a grace period is offered the same must be offered to all customers and this did not seem to be the fact what was being told to me. This is unfair practices.
Product: Checking or savings account

My debit card was stolen and used for the amount of XXXX and some change. When i realized that there was a charge i didnt make i went to the place of the charge and asked the manager if there was a debit card left there. He said someone did leave a card and showed me the card which was mine. So i took the card with me. i waited for the charges to post, because navy federal said i couldnt file a fraud complaint until they posted. The charges didnt post for about a week. Once they posted i filed the complaint. After i filed the complaint the bank credited my account for the amount that was unauthorized. Navy federal said that they deactivated my card on the XXXX of XXXX but i used that card to see if it was actually deactivated but it wasnt. So i used that card until i was able to get a replacement card on the XXXX of XXXX. I filed another complaint message to them about the charges because they said that since i used my card after the credit was issued that they would take that money back from me. They reviewed my claim and still insisted that there was no fraud. They took the money back on XX/XX/XXXX. I called to speak with the fraud department and talked to a woman that said there was no way for me to dipute their findings and it was permanent. I talked to a superviser and she said the same thing and said i should have claimed the fraud sooner and had my card shut off. I had gotten a message from them saying that it was and being me i tried the card to be sure it was. It wasnt shut off and i decided to use that card anyways because i cant just got get a new card in XXXX XXXX in the XXXX while im at work and the bank is closed by the time i get out. So i had to wait 2 days before i could get the replacement card.
Product: Checking or savings account

I opened a checking account on XX/XX/year>. I used the account to send cashier 's checks totaling {$330000.00}. The bank called me and said I needed to close the account. When I asked why, the person said they couldn't tell me. When I went to the bank on XX/XX/year> to close the account the bank manager said she did not know why the account was being closed. Unfortunately, I discovered on XX/XX/year> that I was the victim of online scammers and they got me to send over {$2.00} XXXX. During the 14 months that I had talked to them almost daily, they convinced me they were real and would pay me back. Unfortunately, I was XXXX XXXX XXXX XXXX XXXX  and suffering from prolonged grief ( losing my husband and mother ) and also from XXXX XXXX XXXX I don't understand why the bank didn't give me the reason for closing the account. I now suspect they knew I was being scammed. If they had told me I probably would not have continued sending funds which I did after XX/XX/XXXX totaling {$230000.00} from another bank.
Product: Mortgage

I have been paying additional principle payments to my mortgage company, NEWRez LLC. 
And noticed that my maturity date published on my account online not reflecting the correct updated maturity date based on my additional principle payments. 
Called new Rez At ( XXXX XXXX XXXX And talked to XXXX how identify herself as a supervisor stated that my maturity date will not change online since I signed a contract for 30 year conversional mortgage. And my additional payments will be going toward my principle. 

The is illegal as the lender should not be able to keep the maturity date unchanged even if I pay additional principle meaning they are just pocketing the additional payments and not changing the amount of interest charged. I understand the interest rate will be the same regardless of my additional payments unless I refinance but what they cant do is charge me for a principle that I have payed. 
Lender is clearly violating my rights and over charging me with additional payments that I am not responsible for.