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

To whom it may concern:
I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from
reports immediately if it is inaccurate or misleading, as this will only harm me further!Upon review of my report, I noticed that
several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this
document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not
received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied
with the reporting requirements, and report without any deviations. Please note that if you have not complied with the
requirements, I will need to remove them from my report.Per 15 U.S.C  1681e Whenever a consumer reporting agency
prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information
concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 (Regulation V) requires furnishers to: A -
Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about
accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe
XXXX standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards
jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracywhich affects your federally regulated reports!With that said! I found some mistakes and inaccuracies in your report, which I
would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate
statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX while using our Bill Pay account with XXXX  XXXX XXXX, we inadvertently sent our mortgage payment of {$4400.00} to an outdated account we had at XXXX XXXX. I immediately realized the error and called Bill Pay at XXXX  XXXX XXXX. The representative informed me that once the button was clicked on the XXXX  XXXX XXXX website they could not cancel or refund the payment even though they could plainly see the error in their system since we had been paying our mortgage payment of {$4400.00} for years on their system. They advised me that I would have to wait several days until the transaction settled. I called back on XX/XX/XXXX and XXXX  XXXX XXXX informed that XXXX was closed for the XXXX XXXX weekend. They advised I call back in XXXX. I did so on XX/XX/XXXX. It turns out that XXXX had apparently declared bankruptcy in XX/XX/XXXX and that all payments were directed to Synchrony Bank. I then spoke to several employees at Synchrony Bank after spending a total 4-5 hrs on the phone with multiple disconnects and wait times ( I believe this was an intentional strategy on their part to discourage me from pursuing the matter ) I was able to speak with a supervisor named XXXX who ostensibly located the deposit after I provided all pertinent information regarding our old account number with XXXX as well as a wealth of personal information. I was assured refund would be received by XX/XX/XXXX. When no refund was received I called back Bill Pay at XXXX  XXXX XXXX as well Synchrony Bank. It was essentially starting all over with Synchrony Bank as they denied an prior knowledge or records despite their constant reminder we were on a recorded line.Someone there named XXXX advised me to wait several more days as " the check was in the mail '' despite not giving me and confirmation number or email with a contact person. After waiting and additional week no check arrived, once again I contacted both XXXX  XXXX XXXX and spoke to XXXX and XXXX at Synchrony Bank who who were unableto provide any additional information. Synchrony Bank continues to hold my {$4400.00} which they are aware is not their money and is not willing to refund what was a mistake of simply pressing the wrong button. As a consequence of this we have fallen behind on our mortgage payment.
Product: Consumer Loan

I had purchased a vehicle with XXXX XXXX Toyota on XXXX XXXX. The sales agent was XXXX XXXX. I purchased the vehicle with a gold level vehicle service agreement where toyota would do a XXXX oil change and fix any engine and transmission problem with the vehicle like an insurance policy. I moved from XXXX to XXXX after doing XXXX oil change and contacted XXXX Toyota that I would need to cancel the service agreement because I no longer lived in XXXX. I was advised that I would need to send a signed letter agreeing to terminate the service. I went to the dealer ( XXXX XXXX Toyota ) and handed over the signed letter to XXXX XXXX XXXX. The sales rep told me that I will not be refunded the balance but any refund amount will be applied to the principle and there would be no changes to the monthly payment amount. The total refund was calculated to be {$2400.00} was told that it will be applied to principle balance on XXXX XXXX. 

However, this refund was never applied to the original balance. I contacted Toyota on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX but this payment was never applied. I contacted XXXX Toyota and the dealer claimed that they never received the letter of cancellation and the policy was already expired and there will be no refund. I did n't pay rest of the balance which at the time was {$1900.00}. 

I had no avenue to resolution. I re-contacted Toyota Financial on XXXX XXXX and they advised me that Dealer are independent to Toyota Financial and they are unable to contact the dealer on my behalf. I contacted XXXX Toyota again and they advised me that there is nothing they can do about this. 

I ended up doing a settlement on this account because the refund from XXXX Toyota was never processed.
Product: Credit card or prepaid card

Hello Im complaining about payment on my card for XXXX $ dollars.Before starting I want to say that I really dont understand much about credit cards. So I met this person at a bar in XXXX XXXX and we became friends and long story short one day he borrowed money XXXX $ and promised to return and afterwards he said that he doesnt have cash money and said he can pay my bill or card payment. I gave my card information to this person so he can pay my outstanding balance because I lost hope that he will be able to pay cash.He made a payment and extra payment of XXXX $ dollars and said he paid extra because he didnt give my money on time as he promised. Months pass and I received a statement from my Citi advantage card stating that that payment was fraudulent payment and I owe XXXX XXXXThe persons name was XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I was approved on line for opening a checking account and brokerage account by Charles Schwab Bank. I setup a password and user ID and was able to log on to the account and select funding options. I decided to use direct deposit to fund my account. I also used online chat to verify the account was open and could be funded by direct deposit. No where was I provided any INFORMATION about the account not being fully approved. On XX/XX/XXXX, I reached out to my employer and setup direct deposit. My first deposit to fund my newly opened checking account was going to be on XX/XX/XXXX. Today I logged on to Charles Schwab to confirm if my direct deposit was received. When attempting to log on to the account, I was unsuccessful and received a message stating " this account is now closed ''. This message validates the account was approved and opened. I did not receive any information by email or paper mail informing me the account was closed. I called their customer service and was informed the account was not approved based on information obtained from my XXXX Credit Report. This is something they should have known at the time of approving and opening the account one week prior. My direct deposit will now be returned to my employer and a paper check will be mailed to me. It may take up to 10 days. Not only is this the primary inconvenience, I also closed my other checking account the day after opening the Charles Schwab checking account. There must be some form of legal action I can take against this pathetic bank/brokerage company. No big deal if I 'm not the client Charles Schwab is looking for, just let me know at the time I apply. Do not open my account and change your decision a week later leaving me with no money and a returned direct deposit. This is going to be difficult to explain to my employer about the direct deposit being returned.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. 
If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge- off, collection or similar accounts. 
XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I am dealing with a company called Loan Care LLC. Based out of Virginia. 

I decide to take advantage of the low-interest rates. Decided to re-finance, I requested the PMI be dropped during the re-fi process. Due to my home being way over the 20 % value required to not carry PMI. I was denied. ( XX/XX/XXXX via email ) Response from loan care loan processer XXXX XXXX ( XX/XX/XXXX ) : The only way to not have PMI is to refinance out of the FHA and into a conventional loan. As long as you are doing a new FHA loan, you will PMI again. Concerning the appraisal, I can approach management on that, but no guaranty that it will be reimbursed as we had no knowledge your home was manufactured home when it was ordered and because as I mentioned in prior emails, they dropped the rate on the new loan for you to match the prior file. The Rates on the FHA Streamline would have been over 4.0 % and Im sure they will do much more, but I will try I owed about XXXX k then my house appraised for XXXX k.. 

After Refinancing was finished XX/XX/XXXX. It didn't make sense that I had to pay PMI. 

So, I mailed in a request to drop PMI. My home had gone up in value current market value is {$250000.00}. Sent XX/XX/XXXX to Loan Care XXXX box XXXX Virginia XXXX, VA XXXX. Certified mail tracking number : XXXX XXXX XXXX XXXX XXXX. USPS.was received. 

I called a few days later to ask if they received my request in writing. They stated it had been uploaded into their system. This included the letter and the signed appraisal. 

They denied my request, when speaking to a rep. they said it was due to my loan being an FHA loan, they stated I had to pay PMI for the life of the loan. til XXXX payoff my loan. They also sent a letter stating they denied my request. I am now reaching out for your assistance. 

I have reached out to loan care XX/XX/XXXX and emailed them explaining why this complaint was sent as well as informing them of The Homeowners Protection Act of 1998 ( HPA ), 12 U.S.C. 4901. et seq., also known as the PMI Cancellation Act, was signed into law on XX/XX/XXXX, became effective on XX/XX/XXXX, and was amended on XX/XX/XXXX, to provide technical corrections and clarification. The HPA addresses homeowners difficulties in canceling private mortgage insurance ( PMI ) coverage. It establishes provisions for canceling and terminating PMI, sets disclosure and notification requirements, and requires the return of unearned premiums. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

XXXX. XXXX XXXX XX/XX/XXXX {$5000.00} attempted to get it disputed via XXXX and XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX {$240.00} attempted to get it disputed via XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed 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 or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 609B. I AM ALSO A VICTIM OF XXXX XXXX AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Debt collection

Debt was reported to Transworld system Inc in the amount of {$300.00}. Debt was paid in full however collection agency fails to report to credit bureau to have collection to be removed
Product: Debt collection

I XXXX XXXX will not dispute the true ownership on debts with Capital One, however, I did go through a very serious medical problem starting in 2017 that is now behind me. This problem caused me to fall behind on several credit items, but now I am 100 % healthy and wish to make amends with my last creditor Capital One. Even though Capital One shows charge off amounts of {$4500.00} and {$2000.00} respectively, those numbers consist of 180 days of penalties and interest applied within the 180-days pre-charge off timeline. This timeline is established under Code 5000 FDIC specifications of debt between standard ad sub-standard debt. In essence both credit cards accrued approximately 22 % extra basis of debt between the last payment date of XX/XX/2917 and the charge off month of XX/XX/2017. Essentially, the basis of both charge cards collectively was {$1400.00} less that the total accrued amount of {$6500.00}. I believe the true basis of debt on the last payment date was {$5100.00}. I therefore offer a one time payment of {$3000.00} or 60 % of basis to settle these accounts in full. I believe this is fair and reasonable. Please reply to my personal email address and by regular mail to my home address so that we can resolve these accounts as quickly as possible. Thank you for your cooperation and consideration in these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX XXXX, I received denial from XXXX XXXX. I believe the items denying are accounts that I have paid in full within the last 5-6mths. I have receipts/copies of payments! Debt from XXXX XXXX paid in full through Rent Recovery who held debt. Also, paid off XXXX bill. And XXXX debt originally for XXXX XXXX XXXX.
Product: Mortgage

XXXX XXXX, 2017 CHASE BANK WAS NEGLIENT IN PROCESSING MY LOAN MODIFICATION I SENT THE DODD-FRANK FORM IN 6 TIMES, IN THERE XXXX XXXX ENVELOPE AND EVERYTIME THEY WOULD SEND ME A LETTER STATING THAT THEY DID NOT RECEIVE IT. 

THEY LIED THIS FORCED ME TO SHORT-SELL MY HOME THEY ACTED IN BAD FAITH
Product: Credit reporting, credit repair services, or other personal consumer reports

One day, I just wanted to get a new line of credit but I realized I was turned down. My credit score was close to the 800s but for some reason I kept receiving to many inquires on my denials letter. I later looked at my XXXX and was appalled when I witnessed 50 hard inquiries I didn't approve of at all. I sent a letter to XXXX disputing the information about a month ago, no progress has been changed so I'm using CFPB to report and get these things off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over XXXX days and I have yet to receive and update for removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made countless attempts to resolve this matter concerning my personal information bring stolen and sold on the black market, I have filed several police reports and ftc reports which I have attached to this compliant, But XXXX, Equifax and XXXX and XXXX XXXX XXXX has made this process more that difficult to resolved I have spoken with the " special divisions team '' on several occasions but the items on my report that I do not know of or have not authorized have not been removed from my report, as I have requested I am trying to get this matter resolved before I take further Legal action based of the FCRA law and consumer rights which have not only been violated, but no one is helping me in this matter and I am the victim, with accounts still being opened in my name to this day, I was to remedy this quickly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documentation to the three credit bureaus to correct the information that is reported to my credit file. The information state there is a high balance on this particular account when this account was paid in full ; After three separate attempts this account was eventually updated and deleted from the to credit bureaus XXXX  and XXXX. Unfortunately this account is continuously reported to Experian showing a high balance which in the account was paid in full. I request that this account to be verified of this amount or deleted immediately. And if this account is indeed verfied of this amount I request the original signed contract of this documentation with my original signature stating that I owe the additional amount. If There's no additional amount owed I request that this information to be deleted from my credit report immediately corresponding with the deletions that XXXX  and XXXX made.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XX/XX/XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I HAVE RENCENTLY CHECKED MY CREDIT REPORT AND NOTICIED SOME INACCURATE ACCOUNTS REPORTING XXXX XXXX XXXX XXXX XXXXXXXX
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, have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

On XX/XX/2018, second dispute letting Equifax Credit Reporting Agency know that I was a victim of Identity Theft, After submitting the proper support documents according to FCRA 605b.and waiting for the dispute to be updated, this agency continues to report this erroneous public record.