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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Dispute of Inaccurate Late Payments Reporting Dear Sir/Madam, I am writing to formally dispute an inaccurate late payment ( s ) reported on my credit file under the 1666 ( b ) Compliance Procedure. I have reviewed my credit report and noticed that the payment history reported by your bureau contains discrepancies. The late payments listed on my credit report do not accurately reflect my payment history for the referenced account ( s ), and I am requesting an immediate investigation under the provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Below are the specific details regarding the disputed entry : Account Name/Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$28000.00} Account Name/Number : XXXX XXXX XXXX XXXX XXXX  Amount : {$340.00} Account Name/Number : Dept of EDXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$2200.00} Account Name/Number : Dept of EDXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$2200.00} Account Name/Number : Dept of EDXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$2300.00} Account Name/Number : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : Paid According to the 1666 ( b ) Compliance Procedure, you are required to investigate and resolve this dispute within 30 days of receipt of this letter. I respectfully request that you remove the inaccurate late payment entry from my credit report or provide me with detailed evidence if the entry is to remain. 

Please also notify me in writing of the results of your investigation and provide an updated version of my credit report once the dispute has been resolved. 
Please confirm receipt of this dispute letter and keep me informed regarding the progress of the investigation. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, I made XXXX deposits to my account. The XXXX deposits were {$1.00} and the second deposit was {$990.00}. After making the deposits, XXXX placed a restriction on my account. Ive called XXXX several times. I Each time Ive contacted XXXX, theyve asked me the same series of questions. Ive submitted proof from my bank account, sent a copy of my identification and submitted a selfie. This company still want release my funds.
Product: Consumer Loan

I had previously disputed this account with the credit bureaus regarding several areas that I believe are reporting inaccurately. I would like documentation to verify the accuracy of the reporting on this account. 

This account was included in my bankruptcy and I feel that the information being reported in not accurate and a violation of the Fair Credit Reporting Act. 

Please provide me documentation proving the accuracy of the parts of your account : Payment History Date Opened High Balance Date Last Reported Current Balance Account status
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club reported negative to my credit report in XXXX of XXXX when my account was settled and paid on XX/XX/XXXX. This is inaccurate and is currently lowering my credit score from being less than 60 days old and blocking me from refinancing my home. They were paid over a year and half ago. They should not continue to report to my credit after settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Mortgage

I completed and was approved a modification around XXXX of XXXX. The final paperwork was mailed per the mortage holder but l didnt recieve it before the deadline. I was then denied. I was told to appeal which l did and was also denied. Tried 2 more times which l was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed auto loan with Capital One Auto Finance. This account was opened XX/XX/XXXX and is now closed. Per the fair credit reporting act, a closed account can only be listed on your credit for 10 years if it is a positive account. A negative account would only be listed for 7 years beginning with the first default and/or late payment on the account. My first late payment per my records and capital one is XX/XX/XXXX and the vehicle was repossed in XXXX. Therefore, this account should have been removed in XX/XX/XXXX. I have asked Capital One Auto Finance on 2 separate occasions in writing, disputed with the credit bureaus twice, and have escalated this to the President 's Office in Capital One. I was told they recognize the first late payment as the first time a payment was missed but another payment never occurred after. They are viewing my first late payment in XX/XX/XXXX, this was the last payment I made on the account and the day I requested a voluntary repossession due to the high payments. I simply wish for this to be removed from all reporting bureaus per my right under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

A counterfeit check ( written XX/XX/2016 and cashed XX/XX/2016 made payable to XXXX XXXX XXXX in the amount of {$1300.00} - A copy will be attached ), using our account number and routing number was created, cashed and deposited at an unknown branch of Wells Fargo Bank. We have contacted a local police detective who has left messages to investigate this incident that have not been returned. This check shut our main account down and then we subsequently had an internal thief in our office take FULL advantage of our account being mandated to be shut down. We have reached out to Wells Fargo MANY times and they are ignoring us and continue to recuse themselves from having to abide by laws ( that i hope you enforce ). They will not tell us which branch it was cashed at so we can get a search warranty from the detective we are working with. We are VERY upset that a BIG bank thinks they are above the law and we are NEVER going to accept that answer. Wells Fargo is the bank that made us aware that we are victims of fraud and then disappeared. They also initially reimbursed us for our lost money ( due to a KNOWN false, illegal, not cool, dishonest, check ) and then took back the money and claimed they were innocent and never even cashed the check ( which they actually told the detective that ). I promise you that every institution we contact about this situation will be held to doing their job. We are NOT going away! We firmly believe this was an inside job at Wells Fargo and they do not want the bad publicity and that is not going to deter us.
Product: Debt collection

I'm contacting you about a troubling matter concerning my credit file. I've discovered a collection entry from your agency that I was not previously notified about, which has raised concerns. Furthermore, I have significant doubts about the accuracy of the debt being claimed. According to the Fair Debt Collection Practices Act, I am entitled to request validation of the debt. Therefore, I kindly ask that you provide the necessary validation and take appropriate actions to resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Affirm.com XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Acct # XXXX To whom It May Concern. 
I'm reaching out because XXXX is helping Affirm.com put incorrect information relating to my credit report. 

The IRS considers a charge-off to be income, either as gross or ordinary income. Income that doesn't belong on a credit report, so this information on my report is inaccurate. 
By IRS rules, any cancelled debt or charge-offs is classified as income. Reporting this debt is incorrect or could be called Tax fraud. 
According to USC1681s-2 ( Affirm Acct # XXXX ) as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information. I'm requesting that you delete this immediately from my credit reports. 
**USC 1681s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notice, that specific information is inaccurate and ; the information is in fact inaccurate ''.. 
In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency Please delete this incorrect information from my credit report Thank You
Product: Credit reporting or other personal consumer reports

exposed my personal information like social and date of birth.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the inquiries and charge-off accounts. No changes were made. No investigation was conducted at all. Please remove and update these items immediately. Below are the inaccurate accounts on my credit report : Inquiries XXXX XXXX XX/XX/21 XXXX 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
Product: Debt collection

Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One amount was for {$1700.00} showing up on my credit report as account XXXX and another for {$590.00} showing on my credit report as account number XXXX. I sent out letters to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I receive reveal personal and medical information about me. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXApplied for a Pre Paid card with bank. 
I was approved. 
Consistently paid bill on time. 
reached out to back to change my due date. Date was changed. 



Bank charged late fee in error. Refused to adjust fees in XXXX. 
Acct was then closed. 
I paid my charges. 
Scores dropped while disputing charges. 
XXXX received a letter for XXXX stating a error has been made on their end. 
acct balance is XXXX. 
XXXX refused to report to credit bureau findings. 
XX/XX/XXXX, attempted to re-apply for a pre-paid credit card and was denied.
Product: Payday loan, title loan, or personal loan

The house I own needed a roof. The roofing company used a financing company called Foundation Financial. My sister lives in my house and she was unable to qualify for the loan on her own so I co-signed for her. I reviewed all of the paperwork and signed. She has been making all of the payments but after several months of making the payments, the loan has not gone down at all. I asked her what the interest rate was. She could not find it on the bill. So I looked at the original paperwork to see if the interest rate was disclosed- it was not included in the original paperwork. I signed into our account online and looked at everything online. There was nothing about the interest rate. All of the statements did not disclose the interest rate. The original paperwork was not available on the online account. There is a XXXX filing against my house for this loan but there is nothing specific about the loan either. My sister called the company and asked why the loan balance was not going down. They indicated that is was being applied to the interest which is charged daily. She asked what the interest was. They said it is 9.9 %. She asked if it is 9.9 % daily and they said no you have to take 9.9 and divide it by 365. That is all the information that is provided. We have no way of knowing what portion is paid/ has been paid to interest vs principal. This feels deceptive and not what we agreed to.
Product: Consumer Loan

My name is XXXX, and I have had the telephone number XXXX for three ( 3 ) years. For more than a year, FMA Alliance has called me several times each month, insisting that I am XXXX. After failing to convince them that I am not her, for several times, I looked up her phone number and address on the internet. I even called her to confirm the info was correct. I have given that to FMA Alliance three ( 3 ) different times, They still insist that I am really XXXX and that I am lying so that I will not have to pay the bill. So I have attached two ( 2 ) recent bills that confirm my address and telephone number. One is from XXXX the provider of my telephone service. The other is from XXXX the company that provides my electricity and internet. Please try to convince FMA Alliance that I am really XXXX, not XXXX. XXXX address and phone number : XXXX, TX XXXX, XXXX
Product: Debt collection

Portfolio Recovery A Account Type : Collection Account : # XXXX XXXX  Date Opened : XX/XX/2017 I have no known knowledge of this account. I have sent letters to this company so that we can resolve this dispute. I have sent several letters to this company requesting for Original Signed Contracts as proof that this account belongs to me. I have not received anything to my email associated with the requested proof. 

I am seeking further investigation for this matter. This company has failed to comply with supporting documents that proves this account via email : XXXX XXXX
Product: Student loan

I'm having a hardship and currently trying to enroll in college.
I have no capital to repay at this time I,m working on a carrer movement to better my future.
Product: Debt collection

after applying for new credit, I was denied. I requested a copy of my credit report and noticed accounts that were not mine. I reported the discrepancy and filed a complaint. I was a victim of identity theft.
Product: Mortgage

I was served a notice of default by a seller trustee. I had never heard from my reverse mortgage company. In fact, I was told by the seller trustee that my reverse mortgage had been sold to another lender. It has been 3 years, almost 4,, since I have had a statement, or any kind of contact whatsoever. I was told by my original lender that my taxes and insurance would be paid out of a fund they had, and there was enough to cover it. In XX/XX/XXXX I received notice of default, they claimed they had tried unsuccessfully to reach me, however the seller trustee had no problem in locating me. I am in my home and have been here since XX/XX/XXXX. Lender stated that they had received mail back from an old mail to address. I called immediately upon receiving notice of default. I was given an amount and tried to pay it that day. I was told that the representative would double check the amount due and all back in two weeks. She did not call, so I did. I was told the amount was now {$1700.00} higher than the amount originally quoted. I asked for a written statement on exactly what I owed. To date, I still have not received this statement and I have made XXXX different requests since XX/XX/XXXX. I called again XXXX weeks ago, asking for the amount and it is now another {$1000.00} higher. I can not get any information, they will not tell me where to mail the payment, and when I ask to speak to someone in charge each person tells me they are in charge. Citgroup has refused to take my payment, has refused to allow me to pay it off in installments, made no attempt to notify me that I was in default and now refuses to give me the address to send the payment. They have now set a sale date for my home of XXXX XXXX, XXXX.
Product: Payday loan, title loan, or personal loan

I am furious! I have been battling XXXX for months now and thought I had reached resolution only to have XXXX not stand by its side of the resolution. I have a {$2000.00} loan with XXXX and have been fighting with them to come to a settlement given their predatory nature. At the end of XX/XX/XXXX, I spoke to Mr. XXXX XXXX. He stated the best XXXX could do for me was make the loan a zero interest loan and require me to pay {$100.00} per payday even though I stated that would be a hardship. I made the first {$100.00} payment on XX/XX/XXXX ( a day earlier than it was due ) and mailed the XX/XX/XXXXpayment ( which they claim not to have received ). To date, I have paid {$580.00}, therefore, my balance due should be {$1400.00}. My Online account shows my balance as {$1900.00}. This is 1000 % INCORRECT. I have reached out to XXXX MULTIPLE times to get that fixed with no response. My online account also shows that I owe {$180.00} per payday which completely VIOLATES the agreement I entered into with Mr. XXXX. Despite my wanting all correspondence in writing, he refused and now I see why. On XX/XX/2018, XXXX threatened me with collections stating I am {$270.00} past due. This is false information. XXXX is now lying about the status of my account. This is unacceptable business practice.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to the courthouse asking them do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Money transfer, virtual currency, or money service

Nothing was taken. XXXX is unable to link to my PNC account, on behalf of PNC. They will not allow links from outside sources. This is problematic and I would like a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.