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

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Maryland XXXX. 



Subject : CHARGE-OFF DISPUTE Account : US Auto Credit To Whom It May Concern, Going over my credit reports ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. See. Account Above Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ).

1. Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. Please provide a copy of the written agreement ( bearing my signature ) that created the requirement to pay and stipulates your terms for a delinquent account ; 2. Provide a copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with the alleged debt ; 3. State the maximum delinquency and when it was charged-off ; 4. Provide according to your records when this alleged debt became due and when it became delinquent. Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security Number ( not truncated ) ; 5. Identify the date of the last payment made on this account and the amount of that payment ; 6. Provide how you made a determination that this alleged debt is within the statute of limitations applicable to it. Provide when you think the statute of limitations expires for this debt, and how you determined that ; 7. Describe in detail your firm 's charge-off procedures as they apply under the Sarbanes-Oxley Act of 2002 ( Pub.L. 107-204, 116 Stat. 74 ) ; 8. Provide an itemization showing the dates and amounts added to each billing statements ) ( an additional interest, fees, or charges ). In addition, explain how the added interest, fees, or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law ; 9. Provide an itemization showing the dates and amount of each reduction or payment that was accrued in your firm 's charge-off procedure ; 10. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed ; 11. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting
Product: Credit reporting or other personal consumer reports

XXXX - XXXX The monthly payment amount is not reporting correctly This is inaccurately reporting on my report. 

XXXX XXXX XXXX XXXX - XXXX This is not accurate. 
please remove it from my credit report Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This Information is Incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$7.00} XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

AmeriSave failed to close on mortgage application, three times, despite closing signatures. Over 130 emails and phone calls have been made to attempt closing without success. 

Approximately XXXX XX/XX/XXXX, a mortgage refinance research was conducted with AmeriSave ( Loan estimate XXXX ). Due to military assignment XXXX, official application for refinance was not initiated until XXXX XX/XX/XXXX XXXX XXXX number XXXX ). At that time, an application fee of {$500.00} was paid, E-Sign disclosures completed, endless verification documentation provided, and home appraiser visit scheduled. The estimated interest rate was 2.625-2.75 % over 30 years but AmeriSave recommended a " floating rate '' as rates were decreasing. On XXXX XX/XX/XXXX, a home appraisal was conducted with several photos taken by the appraiser. XXXX XX/XX/XXXX, XXXX sent a congratulatory note on new loan. On XXXX XX/XX/XXXX, closing disclosure was signed and completed at 2.875 % APR ( 2.75 % ). On XXXX XX/XX/XXXX, a reverification of AmeriSave rates based on my previously submitted information stated a 2.5 % was available. AmeriSave was contacted to request this new rate on XXXX XX/XX/XXXX as I had a floating rate but was informed that offer was not available due to additional costs, despite AmeriSave providing the new 2.5 % pre-approval estimate. Regardless, proceeded to closing on 2.875 % APR for XXXX XX/XX/XXXX ( First attempt ). Additionally, AmeriSave was notified on several occasions that as a XXXX military Service Member, my spouse would conduct the signing with a Special Power of Attorned ( POA ) acting as Attorney-in-Fact. AmeriSave understood this arrangement. On XX/XX/XXXX XX/XX/XXXX, XXXX was notified ( verbally and email ) that the digital XXXX documents ( via email ) to be signed prior to XXXX XX/XX/XXXX closing with AmeriSave notary had not arrived. AmeriSave stated they would look into it, but without resolution. On XXXX XX/XX/XXXX, AmeriSave contracted Notary arrived but was not aware that a POA would be used and documents signed by my spouse, he therefore said reschedule and terminated closing. Post first closing incident, AmeriSave management XXXX XXXX XXXX XXXX got involved and apologized for situation and stated he requested to have application fee reimbursed prior to rescheduled closing for XXXX XX/XX/XXXX. On the second closing attempt, XXXX, AmeriSave contracted notary, arrived and signed all documents with my spouse. Other digital documents provided through XXXX were signed prior to XXXX 's arrival, per AmeriSave instructions. Subsequent to all signatures, email notification was received from AmeriSave o/a XXXX XXXX apologizing for still not funding the contract after closing. Another closing was requested for XXXX XX/XX/XXXX with multiple Notaries communicating they would be at the home to resign documents.
Product: Credit reporting or other personal consumer reports

I NEVER GAVE THE COMPANY AUTHORIZARTION TO REPORT MY CREDIT ALSO THEY CHARGING ME A HIGH INTEREST RATE AT 29 % STATUTE CODE 10 U.S.C 987
Product: Credit card

American Express sold my consumer information sent me to collections and sold my debt to lawyers in XXXX XXXX. This happened because I was a victim of identity theft crime in XXXX when a criminal attorney named XXXX XXXX bought my consumer information, preyed on me under false pretenses, obtained my ID, obtained power of attorney, placed me on the do not call list and took money from me and agreed to make timely payments on this perfect history with American Express. I never made one late payment, and never went to collections. One day, American Express just closed my account. All of a sudden, they refused to speak with me, they refused to investigate my complaint, they demanded I open another American Express account with a debt collection agency in XXXX XXXX I never knew about. Then a lawsuit process server arrived at my door. They sued me for the full amount, and I was nearly bankrupted but, I resolved my account in full and asked for them to restore my good history but now I am informed about this, I know that American Express did not honor their business agreement by law to remove this false reported information from my credit history and it is still being reported incorrectly by American Express. I never had late payments and never went to collections when I paid for them to keep my account open and they still closed my account for no reason when I would not do business with the XXXX XXXX XXXX XXXX XXXX Amex collection agency because Amex unfairly sold my debt credit history when I had a perfect score and still to this day will not restore my account. As a resident of XXXX  By XXXX Amex has an obligation to PROTECT THE CONSUMER from fraud ( me ) and they did not ever investigate my complaints in XXXX, XXXX, XXXX, XXXX,. Amex has an obligation to report accurately and they failed and took my money and are still harming me with their damaging reporting lies. As a California resident and by law Amex had an obligation to the consumer protection laws and they are illegally reporting false information and refusing to delete these lies. They were paid the account was settled in full {$13000.00} and they still refused to give me my credit back and have been falsely reporting to bureaus. Theyre killing me slowly. I am an excellent consumer should have an XXXX XXXX XXXX. I should have grown my spending limits. I paid this debt off. Why are they still punishing my good name when they should investigate and punish the criminal?
Product: Money transfer, virtual currency, or money service

I am trying to access gemini cryptocurrency account ( name : gemini trust company , LLC ) after long time. I raised multiple requests via their customer service portal but there has been no response from gemini support. I have funds locked in my gemini account that I am trying to access to alleviate some of my financial stress but I am not getting any support from gemini team as they keep sending response to XXXX pertaining to my XXXX account which I dont have access to for reason stated below. I had provided alternate email address ( XXXX ) which I have access to but I havent got an response from them with respect to any verification questions pertaining to my account which I can answer. I was able to restore my XXXX  account going this route but it has literally been a pain with gemini support. I dont know why gemini support keep sending response to an email to which I dont access to. 

Reason : I dont have access to my XXXX  pertaining to my gemini account since my phone got damaged which had authy app. I had used a XXXX  voice number for XXXX pertaining to my gemini account. I have lost access to that XXXX voice number because of which I am unable to login into my XXXX  pertaining to my gemini account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorised user on a my friend 's XXXX credit card from XX/XX/XXXX to XX/XX/XXXX, with account number ending in XXXX. 
Again, I was an authorized user, not legally responsible for account in addition to having no involvement or access in ensuring the payments were made on time. 

I disputed with three Credit reporting agencies as soon as I was removed as Authorised User. XXXX and XXXX deleted the account immediately but Equifax is still reporting the history of the card up until I'm removed. 

I contacted XXXX and they said they have a policy according to which they will continue to report the history for the time period I was Authorised user which I believe is a violation of law because they are reporting an account that I'm not legally responsible for repayment. Authorised user agreement states that, I as an authorised user is not responsible to repay the card even if I used it, which means I an not legally responsible for the account repayment and it can not be reported in my credit reports, hence the violation from XXXX, according to FCRA. 

Now Equifax is classifying me as a primary card holder rather than an authorised user for the time period its reported. I don't know if XXXX is inaccurately reporting it that way or equifax is misinterpreting what's reported by XXXX. In any case, I think that misclassification is preventing equifax from removing this account from my report like XXXX and XXXX promptly did. 

My dispute with equifax clearly states that I am not legally responsible for this account but they failed to investigate this properly and thus EQUIFAX is in violation from according to FCRA.
Product: Credit reporting

I disputed the accuracy of the payment history and past due amount being reported for my child support. The bureau claims to have verified the validity of the debt. I sent in supporting documents showing that the information being reported is inaccurate. The inaccuracy of the payment history and balance on this account has caused my credit scores to either come to a stand still with XXXX credit bureau and decrease with the others. The documents that I sent came from the courts as well as my check stubs showing the amount of child support being debited from my check weekly. This has caused a serious financial hardship on my credit with potential lenders. I am in the process of getting ready to apply for a mortgage and the inaccuracy of this account is causing my credit scores to decrease. My monthly payment amount is actually {$850.00}. {$190.00} of which is taken out of my check weekly. I will attach the documents sent to the bureau. The child support is listed at other deduction XXXX on my check stub. Looking at the year to date amount and the month of the stub divided by the amount owed, I am up to date with my child support.
Product: Credit card or prepaid card

The balance transfer due date was not specified on the statement leading me to believe the due date was the same as the monthly cycle date of XX/XX/2020 I paid in full prior to that date on XX/XX/2020 and they still charged me interest. 

SunTrust states that the balance had to be paid by XX/XX/2020 ( the statement end date ) although it did not show that on the monthly statement nor was it listed on the mobile app.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Per the Fair 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 XXXXXXXX XXXX - Account number:XXXX The account was charged off. {$750.00} written off. {$410.00} is past due as of XX/XX/XXXX. 

Account name : XXXX XXXX  - Account number : XXXX The account was charged off. {$4100.00} written off. {$4100.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX - Account number : XXXX The account was charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX  - Account number : XXXX The account was Closed. {$170.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX - Account number : XXXX The account was Closed. {$220.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX  - Account number : XXXX The account was Closed. {$220.00} past due as of XX/XX/XXXX Account name : XXXXXXXX XXXX - Account number : XXXX The account was Closed. {$200.00} past due as of XX/XX/XXXX. 

HARD INQUIRY Account name : XXXX XXXX - Date reported XX/XX/XXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card 366 account under an open-end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I am not reliable for this debt. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, AND REMOVE ALL CLOSED, WRITTEN-OFF, AND CHARGED-OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS. IT'S A DEFAMATION TO MY CHARACTER.

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

Hello, I recently just disputed incorrect information on my Experian credit report regarding XXXX XXXX XXXX XXXX which is my car loan. I have a total of 4 late payments on this account but 2 are incorrect which are late payments from XX/XX/2018 and XX/XX/2018. According to my XXXX/XXXX  credit reports I should only have 2 late payments from XX/XX/2018 and XX/XX/2018 which is a total of 2 late payments on each credit report, so I'm not sure why Experian is reporting 4 late payments even after I sent documents supporting my dispute from both XXXX/XXXX. This is my 3rd attempt to try to get this inaccurate information removed from my Experian report. In the attach documents section I will enclose my Credit reports from XXXX ( Screenshot 10 ) XXXX ( Screenshot 11 ) Experian ( Screenshot 13 )
Product: Debt collection

They call repeatedly after being told I am trying to make my payments, I am currently paying for XXXX XXXX for my family and can not afford any additional costs, contacted my ex who I am separated from and gave them information on my account such as amount owed, when account was opened, past due amount and he can not even verify the last four of my social security number. they're also repeatedly calling my ex in laws as well
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT. THE LIST OF ACCOUNTS HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C. 1681. XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX  ACCT # XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE 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 } SECTIONS STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY SEVEN YEARS. 15 U.S.C. 1681s-2 { A } { 1 } A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THEPERSON KNOWS OR REASONABLE CAUSE TO BELIEVE THAT THAT THEINFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I purchased my credit report as I come to find unlawful transactions reporting on my report. I mailed out letters to the bureaus XXXX, XXXX, and Experian XX/XX/XXXX to correct the inaccurate remark and payment history for all the inaccurate accounts as I understand it to me and they duty per 15 U.S. Code 1681 - Congressional findings and statement of purpose - Accuracy and fairness of credit reporting.
Product: Student loan

I 've asked them several times to verify these loans and they wo n't.
Product: Credit reporting

The following debt/accounts are student loans that were previously managed by XXXX XXXX. My current student loans are being managed by XXXX XXXX and they are in good standing. I deferred my student loans when they were managed by XXXX XXXX, however, they are being shown as negative accounts in my Experian Credit File. XXXX and XXXX have deleted this information from their profile after disputing because XXXX XXXX was supposed to have them removed. This is having a negative impact on my credit and need them removed or be in the good standing category on my credit file DPT ED/XXXX Account Number : XXXX .... Outcome : Updated DPT ED/XXXX Account Number : XXXX .... Outcome : Updated DEPT OF EDUCATION/XXXX Account Number : XXXX .... Outcome : Updated DEPT OF EDUCATION/XXXX Account Number : XXXX .... Outcome : Updated XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated DEPT OF ED/NAVIENT Account Number : XXXX .... Outcome : Updated XXXX XXXX Account Number : XXXX .... Outcome : XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated
Product: Mortgage

Received denial letter for modification request from my server BSI. The letter stated I had insufficient income. My income is substantial to make the mortgage payments on my property. I was also previously denied a modification review because the Relationship Manager stated they showed in their records I had filed bankruptcy. I have not filed bankruptcy and BSI has incorrect information. BSI is difficult to work with and I'm requesting they review my request for mortgage assistance.