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

**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Dear Experian, I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( Account Number : XXXX ) for which I have maintained timely payments. 

As outlined by the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of the information they report. I kindly request a detailed investigation into these discrepancies, and I would appreciate verifiable evidence, such as account statements, substantiating any late payments. 

If such evidence can not be provided, I request that my record be updated promptly to accurately reflect my consistent payment history, as stipulated in FCRA Section 611. 

Furthermore, I would like to remind you that according to the standard timeframe provided by the FCRA, there are only four days remaining to complete the investigation from the date of my initial inquiry. I trust you will adhere to this timeline and keep me informed about the progress and eventual updates to my report.
Product: Debt collection

I asked for a detailed bill of my account and was told they do not have to give me one. How do I know the debt is valid without the original bill. They sent me a statement that I promised to pay which in fact I did not I wanted a detailed bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XX/XX/XXXXadd a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports.
Product: Mortgage

We are in foreclosure now because our mortgage company did what you dual-tracking. While we were in the process of sending and faxing information to Carrington mortgage company for months. They were already signed over our note.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from XXXX that a fraudulent account that was opened in my name was investigated and was completed with the results being they determined that the account must be deleted which is right .... the account was never opened by me ... I sent all documentation proving that and they completed it and ruled in my favor .... I sent the supporting documentation to experian for them to delete the account and instead they removed like {$270.00} and updated the account ... the account was not supposed to be updated it was supposed to be deleted ... and Im hereby asking them to comply, if XXXX went back on this letter thats their issue not mines it must be deleted thats the resolution we came to ....
Product: Credit reporting or other personal consumer reports

I took notice to inaccurate information on certain accounts. The accounts goes as follows ; [ XXXX  Account Number : XXXX ] [ XXXX XXXX XXXX  Account Number : XXXX ] [ XXXX  Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 15 USC 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. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late.

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Debt collection

I do not owe this alleged debt. I am owed a credit of the full amount of the current balance which will XXXX XXXX  the balance and a refund of all previous " payments " I made according to 15 USC 1666d. 

This company SYNCHRONY ignored my letter and violated ( Uniform Commercial Code ) UCC 9-210 REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT ( b ) Duty to respond to requests. 

SYNCHRONY BANK has not provided the required verification and they continue to try to collect on an alleged debt after I disputed it, making them in violation 15 USC 1692g ( b ). In addition when a billing error notice has been given the account is to credited while in dispute. 

I sent a letter to SYNCHRONY BANK telling them that I received a statement from them requesting of a payment from XXXX XXXX in the amount of {$3500.00}. I told them I am willing to pay off this account in the full amount of {$3500.00}, together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 

According to 12 U.S. Code 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. No money, devices, or services were loaned by SYNCHRONY BANK to XXXX XXXX nor CREDIT WITH XXXX. 

I requested documentary evidence on account ending in XXXX, pursuant to 15 U.S. Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with XXXX XXXX my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ) which I have attached. I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583 as the 10-K on the public and private side showing accounts receivable and payable. I request the accounting ledger to be authenticated by a secured party pursuant to UCC 9-102. 
This company needs to credit the account the full amount of the current balance which will XXXX XXXX the balance and refund all previous " payments " I made according to 15 USC 1666d, in the form of a check.
Product: Credit card

BARCLAY BANK issued a XXXX XXXX credit card to me and within a few months I received several unauthorized charges. Many calls were made to correct this over a few months. Reassurances were made by many representatives that the charges would be corrected and the account was closed for safety purposes. Yet the charges continued and the calls to Barclays continued. The last correction was for {$49.00}. Two months later I received an email for a late balance all regarding this {$49.00} and interest and multiple late fees. A bill that I was guaranteed had been removed after several more calls. I am refusing to pay this bill and I am not receiving any satisfaction from BARCLAYS BANK to correct this problem. How does a person protect themselves from these issues? This card balance should be XXXX. However ...
Product: Debt collection

I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies. I contacted the agencies and they both stated that the accounts were opened in 2013. I have not heard from these agencies via telephone, mail or email. I have not been given an opportunity to dispute or confirm before they are added to my credit report as a collections. I have no recollection of opening these accounts but did move around this time and closed a bank account due to questionable activity after losing a checkbook. I have filed a police report in my city and reported the incident to my bank. But this was several years ago and I no longer bank with them. Both XXXX XXXX XXXX and CASHNET USA have placed collections on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach or fraud. These actions, as well as any unauthorized inquiries, have been reported without my consent. I request verifiable proof of these actions, including documentation bearing my signature or electronic signature.

Please note, this letter is being submitted by me directly, and not through a third party. I have not authorized any of these actions, which I consider a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which covers the blocking of information resulting from a data breach or fraud, and Section 604, which outlines permissible purposes for consumer reports. 

I have already contacted the relevant companies and discovered that these actions were taken without proper validation or original proof from any of the reporting companies. Since I never authorized these accounts or inquiries, they are fraudulent and appear to be the result of a data breach or the unauthorized reporting of my information by creditors or third-party data furnishers.
Product: Credit card or prepaid card

This is an addition to my previous complaint regarding chase visa amazon credit card. This morning XX/XX/2019, XXXX  notified me my automatic payment method was declined- the payment method being the latter card. After speaking 4 different times with chase representatives over the phone on XX/XX/2019 - 2 days ago - regarding a catering order which was continuously being declined for my brothers funeral, I was assured the card would be active and that transaction would go through and rep would make sure and monitor my card for next 24 hours. It now appears that the card has been deactivated without my knowledge and my automatic payments are being declined.
Product: Checking or savings account

My XXXX XXXX  initiated a consistent chain of purchases using my navy federal account for exuberant amounts. I cant afford nor would ever make. Starting XXXX she would use a the picture she had of my debit card to pay illicit funds out to different unknown people one for {$1600.00}. On XXXX XXXX on XXXX {$1900.00}. On XXXX {$4900.00}. XXXX XXXX and on XXXX {$430.00}. XXXX a purchase for {$730.00}. On XXXX a purchase for XXXX. This dispute was denied and its a matter of principle. Im a long time client and this lack of concern for attention to detail and fraud is causing me to not be able to get a XXXX XXXX. Something that can alter my life and shorten it.
Product: Money transfer, virtual currency, or money service

On XXXX, 2020, paypal took the money from my paypal account, the amount is $ XXXX. They says the funds will be on hold for 180days when they put a limitation on my account, but when I checked my account recently, I noticed the money was gone, it was taken by paypal already, and I, as the account holder, don't know it at all. They took money from users without authorization from its users, which is unacceptable. I wish you can help me to solve this issue. I don't think I did anything wrong when I was using paypal, and I got so disappointed about this company. The email linked to my paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is that National Recovery Service ( NRS ), an agent of XXXX XXXX XXXX XXXX XXXX has made entries in my credit report stating that I have been more than 120 days delinquent in payments to XXXX in an attempt to XXXX me into payment when both XXXX and NRS are aware that the billing is in dispute. This has been going on for a couple of years at this point and somewhere around {$5000.00} is in contention. XXXX is fraudulently inflating their billing by XXXX XXXX  and are expecting me to pay a portion calculated from their fraudulent fictitious number. Over this time I have sent four letters to XXXX  and another four letters to NRS expressing my concerns. Neither have responded to my letters and simply keep marching on as if I hadnt raised the issues I have. I pay all my bills on time, all the time, with the exception of MW and they report to my credit report that Im some sort of a dead beat. They cover up a fraud with the commission of yet another fraud.
Product: Student loan

I am a government employee and started paying a loan amount of {$46000.00} at XXXX XXXX monthly payments rate in XXXX. At this time my family of four had an AGI of less than {$60000.00}. 

At that time I learned about this government employee loan forgiveness program that will happen after 10 years of payment, in my thinking the ( XXXX  XXXX m x XXXX y = XXXX or XXXX XXXX ) will be paid and the XXXX XXXX May be forgiven. 

During the toughest times of my family life I paid those monthly payments with some delays and couple calls to my loan servicer during tough times. 

My frustration and feeling of being treated by predatory lender comes because ; after more than five years of paying the {$260.00} a month, my loan balance is still the original {$46000.00}. 

I have learned the the hows and whys from Navient, but I still think I was left alone to fail than assisted by my loan servicer. I suppose they were the middle men to help people like me. On top of this, the hard to reach customer service people cant see the trustee aspect of my question. 

Now my wife works and I am in better shape too, restructuring the loan will take me to paying about {$370.00} a month to repay the entire loan within 10 years. 

How will the XXXX I paid so far be used to benefit me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter each credit bureau challenging the bankruptcy as incomplete/inaccurate/false information on my credit report. The bureaus didn't complete an investigation or Mark the item as disputed, as required by the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is pertaining to the Attorney General - Child Support information on my Equifax credit report. It shows an open account balance of {$250000.00}, which is very much inaccurate. This account is closed and there is no balance due. This account is closed I have repeatedly asked Equifax to remove an account on my credit report that shows as opened and it is closed. I have provided documentation evidencing this. However, they continue to report it as open and it is negatively affecting my credit. 

Please assist in getting this resolved. I am providing documentation from the courts that this account is closed. 

Thank you!
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX has inflicted undue harm on my financial reputation and stability.
Product: Mortgage

I was given a pre-approval letter that pre approved me for a {$390000.00} home. This pre-approval letter was good for a year. The mortgage company agent after a week or two claimed that she wanted to pull my credit scores again after I signed the real estate contract with the realtor and told the realtor that if she can not see my scores then she will deny the pre-approval. How did she get my credit scores the first time in order to give me my pre-approval letter? I had my credit file locked so that no one could hack my credit file as this has happened before and I had to hire a credit attorney. My realtor represents me as the buyer and also the seller at the same time. I talked to two other mortgage companies and they said that there was no way she could give me this pre-approval letter without pulling my credit file in the beginning. I also talked to an attorney and he said that this is definitely fraud.
Product: Credit card or prepaid card

This XXXX bank shows no interest in securing credit card payments made by me over the phone. Because I don't have a bank account with them I need to go thru some person they've hired to take my payment which means I have to give my personal checking account information to some low level employee who does that job. We all are aware of their prior hiring problems. I tried making another payment today XX/XX/XXXX and ended up with an employee working from home who was recording my call. When I told her she would need to turn off her recording when taking my payment she couldn't do that so I was stuck on hold for about 15 minutes while she tried to escalate the calm to someone else. I was not able to be connected to someone else and now might be charged a late fee. There is no excuse for someone recording my bank account information. And there is no excuse for my not being able to execute this transaction automatically over the phone. I've told them many times already this process needs to be automated but they are too cheap to do so. Or they are more interested in trying to get me to open a bank account with them then in ensuring my financial security. Either is inexcusable and they need to be warned to invest in the technology so that any payment by anyone can be made over the phone using an automated system. One can't trust sending them payment by mail anymore as long as XXXX remains the XXXX XXXX either.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, you must eliminate any wrong accounts from my credit report. Please examine the documents provided ; there are inaccuracies in the reported accounts, including wrong amounts and dates.
Product: Debt collection

On XXXX XXXX I called Cavalry Portfolio Services to dispute a debt and verification with XXXX # XXXX. I was informed that XXXX XXXX was handling that account for them. On XX/XX/2020 I faxed my letter of dispute requesting validation of debt and to dispute debt to XXXX & Cavalry Portfolio Services. On, XX/XX/2020 I called XXXX XXXX to inquire why after 90 days that I havent heard back from them. I spoke with XXXX XXXX at XXXX and she informed that the debt # XXXX has been transferred back to Cavalry Portfolio Services. I contacted CPS and spoke XXXX ext. XXXX who confirm that they did receive my letters on XXXX and confirmed they didnt respond. I informed them by law they have 45days to send the requested information and that it has been 90days. 90 days has past in my my rights under the Fair collections debt have been vailate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax neglected to inform consumers about the data breach. As a result, my information is at risk of identity fraud. Not only was Equifax aware of the breach before releasing information to the news media, it never reached out directly to inform consumers of the hack. Instead, I had to go to news sources to find out how to set up a fraud alert.
Equifax should have automatically placed fraud alerts on all of the affected accounts and alerted the account holders immediately.
Also, Equifax has not indicated how they are addressing the breach to prevent further intrusions. They have had similar breaches every 2 years since 2011. I find it oddly coincidental that they are so regular, and that the CFO and other executives cashed out stock right before the hack was made public.
Product: Credit reporting or other personal consumer reports

I am urgently informing you that I am a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address and remove these inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and demand the prompt removal of these fraudulent entries to restore the accuracy of my credit report.
Product: Credit card or prepaid card

I was lured into a crypto futures trading scam and I ended up losing XXXX. Then I tried to get the money back using the crypto marketing company but that turned out to be another scam and I lost XXXX to them, I put XXXX of that on my credit card and got nothing in return. Now I'm disputing that with the credit card company but it doesn't look good. I shouldn't have to be forced to pay them that money since it was all part of a scam. That would just be perpetuating the scam.
Product: Money transfer, virtual currency, or money service

I had Huntington bank transfer {$9000.00} to XXXX on XX/XX/2022. After sending the money to XXXX, I came to learn that the money I sent to do the business with was not the legit business. Then I called Huntington bank and talked to the rep multiple times explaining the situation and requested to refund the transferred money from my account to XXXX. The bank denied it by saying that they couldn't do it because I authorized to do it.