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

I have disputed multiple inaccuracies on my consumer report which have not been verified by said company, no proof has been shown. I have written many disputes without the agency giving me my right to have the process in which the company verified the debt. 
I have recently received a copy of my consumer report, and I noticed some late payments and false/unverified accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This agency is in clear violation of the law Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Unless you can show proof with my signature with written instructions of this, I am demanding these late payments be removed. 

I have no signed contract with XXXX loan services. Unless a signed agreement/contract between me and XXXX can be furnished, I demand the account be removed.

Furthermore, the FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - except as provided in paragraph ( 3 ), the term consumer report does not include : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Again, delete the late payments associated with the accounts above that your agency is reporting illegal information on my behalf. 

Reminder, are in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax left sensitive credit data of over 110 million consumers open to unauthorized access. While pending civil litigation and possible criminal prosecution will determine the extent of Equifax 's negligence in this incident, in the near-term millions of Americans, myself included, remain at a heightened threat of identity theft now that our data has been compromised.
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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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/year>
Product: Credit card or prepaid card

On XX/XX/XXXX, I sent a dispute letter to the below creditor company to dispute a fraudulent charge of {$70.00} on my closed XXXX XXXX Store Credit Card account : Creditor Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I did not make this charge. I requested the above creditor, SYNCB/XXXX, that the charge to be removed from my credit report, that any finance and other charges related to the fraudulent amount be corrected to the amount paid of {$23.00}, as well, and that I receive an accurate statement. Additionally, I closed my XXXX XXXX account as of XX/XX/XXXX. My XXXX XXXX account has been INACTIVE and CLOSED since the end of XX/XX/XXXX to present day. 

I sent XXXX letters with the below documentation to SYNCB/XXXX with USPS tracking ID, but did not get any response from SYNCB/XXXX. I tried calling, but representatives did not provide a valid case ID to followup. The company remains inactive about my case. 

Enclosed are copies I sent to SYNCB/XXXX supporting my position. 
Item 1.1 : Picture evidence of a check I wrote on XX/XX/XXXX to the amount of {$23.00} and sent via mail from XXXX XXXX, XXXX XXXX XXXX, # XXXX, New York, NY XXXX to the following address XXXX XXXX Visa/SyncB, XXXX XXXX XXXX XXXX, FL XXXX Item 1.2 Picture evidence of the bill of my XXXX XXXX Visa bill of {$23.00} purchase on XX/XX/XXXX with the following information Reference number : XXXX Description of Transaction or Credit : Old XXXX XXXX XXXX XXXX XXXX NC Apparel/Accessories Womens Active Active Bottoms Fees : {$0.00} Total Fees for this Period : {$0.00} Item 1.3 Continuing picture evidence of my bill Item 1.4 Continuing picture evidence of my mailed check of {$23.00} to the following address XXXX  XXXX Visa/SyncB,  XXXX XXXX XXXX XXXX XXXX FL XXXX Item 1.5 Screenshot from my XXXX on the day ( XX/XX/XXXX XXXX XXXX EST ) that Items 1.1-1.4 were photographed for accuracy and quality assurance purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open an a XXXX XXXX account on approximetly XX/XX/XXXX and they ran my credit through equifax. On that same date I pulled my own equifax account. The score I pulled on my own account was XXXX but the score given to me by XXXX XXXX was XXXX. They also said i have delinquent accounts but my report from equifax says I have none. I called equifax and they tried to charge me 8 .
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has 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 XXXX 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 or other personal consumer reports

I sent a letter on XXXX XXXX, XXXX  to remove personal information that I don't want on my credit report. According to the fair credit act. 15 USC 1681. I have a right to privacy. Also according to 15 USC 6802. No financial Institution is not suppose to share my information to third party people. These are a clear violation of my federally protected consumer rights.
Product: Credit reporting

For years I have disputed incorrect and unverified information on my TransUnion credit report. After every investigation I have always received a generic response. XXXX and XXXX have been disputed and were unverified but TransUnion still has this information on my reports. I have reached out to both companies with no response. I disputed this information with TransUnion several times pleading for an investigation.
Product: Vehicle loan or lease

This company charges compound interest every day at the end of your loan extra charges arrived predatory lender on lender and dealer high interest rates for minorities
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed that there are a lot of inaccuracies on my credit report. According to 15 USC 1681a ( XXXX ) a ) Accuracy and fairness of credit reporting, XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Please fix all my personal information and correct it from my credit report. My name that is on XXXX right now is XXXX XXXX  XXXX which should not be like that on there it should ONLY REPORT : XXXX XXXX XXXX. On XXXX it is reporting wrong as well which it says currently : XXXX XXXX XXXX which is wrong it needs to say : XXXX XXXX XXXX. My address reporting on XXXX is currently WRONG AS WELL : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, this is the correct address that needs to be on their ONLY : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX. Transunion its reporting wrong as well : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX. The Correct address is : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX. XXXX it also has the wrong address : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, the Correct address is : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX. All Previous addresses must be DELETED IMMDATELY. My employer on TransUnion is reporting wrong also : XXXX XXXX XXXX, the CORRECT ONE ONLY SHOULD BE REPORTING IS : XXXX XXXX XXXX. XXXX is also reporting the wrong employer : XXXX XXXX, the CORRECT ONE IS : XXXX XXXX XXXX. XXXX is also reporting the wrong name as well : XXXX XXXX XXXX, THE CORRECT EMPLOYER IS : XXXX XXXX XXXX. PLEASE FIX ALL MY PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account liste
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Inaccurate information on Credit Reports To resolve my complaint with 3 Credit Bureaus with fair resolutions, I mailed a Good Will letter to XXXX, XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XXXX to update my credit report, keep my accounts in good standing, and fix any delinquent late payments, inaccurate information including derogatory remarks, unverifiable/outdated, and incomplete items/information including removing transferred and third party sold accounts. One discrepancy is ( along with several ) is the different numbers of open/closed accounts on all the Credit Bureaus XXXX XXXX, XXXX and XXXX. Each Good Will letter to all three credit Bureaus was sent with the same information. Below is the Finance Company and Credit Data Corporation with Company names, dates and credit report information : On XXXX XXXX XXXX XXXX Credit Report ( XXXX XXXX  XXXX ) ( XXXX XXXX XXXX ) XX/XX/XXXX From XXXX XXXX XXXX XXXX is showing past due and have derogatory remarks but account was removed. 100 % Payment history is excellent with no Hard Inquires. My Credit Cards use rating is excellent with zero balance and credit age 10 months. Low impact on open and closed accounts. XXXX accounts. 

On XXXX XXXXXXXX  - XXXX Credit Report ( XXXX Score XXXX ) ( Credit score XXXX ) XX/XX/XXXX there are derogatory remarks and in collections from XXXX  XXXX  original creditor XXXX XXXX XXXX  {$610.00} opened XXXX ( not in collections and no derogatory remarks on XXXX credit report ). XXXX XXXX XXXX XXXX removed with no derogatory remarks on XX/XX/XXXX XXXX XXXX XXXX. Number of accounts XXXX. 100 % Payment history excellent Credit card use rating is excellent with zero balance on credit card usage but credit age 10 months. Zero Hard inquiries. 

On XXXX ( XXXX  Score XXXX ) XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX  XXXX  account showing in dept collection {$1700.00}. That account was removed from XXXX and XXXX credit report between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX  credit card credit limit {$300.00} was paid on time with no past due amount. XXXX  XXXX  original creditor XXXX XXXX XXXX date opened XX/XX/XXXX high balance {$840.00}, ( but on XXXX report balance {$610.00} opened XXXX. XXXX Closed accounts. 
Please correspond and update all inaccurate information accordingly, Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ at approximately XXXX XXXX called from Navy Federal to collect on a loan payment. The loan reached its maturity so XXXX suggested that i refinance the loan. I asked XXXX if i should make a payment to avoid a 30 day late credit report. XXXX insisted that i did not need to make a payment because the refinance application would place a hold on the account so it would not report late. Over the weekend the new refinance was completed. The old loan was reported 30 days late contrary to what XXXX stated would happen. I called Navy Federal collections spoke with XXXX who reviews the call & stated i had never asked about preventing the 30 day late report which is a blatant lie. I asked to get a transcript of the call & the contact to navy Federal executive office for consumer complaints, XXXX states she could not provide any information regarding executive officers or the VP of collections. I have never had any late credit reporting. I would have made the payment in order to avoid the late reporting but i was following the process as advised by Navy Federal collections representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian XXXX XXXX The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX Balance {$1400.00} ; XXXX  XXXX XXXX Balance {$540.00}.
Product: Debt collection

I am being charged to pay for an apartment that I never had possession of during this time period. I was placed on a wait list and was never assigned a unit. I was charged an amount of money that has not been explained and I can not receive any information as to why this is on my credit history.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I saw that there are multiple negative and fraudulent accounts and inquiries on my credit reports which I need your help with to remove for me. I called the credit bureaus and they told me to send my FTC reports before they entertain my request. I did that and I even mailed my IDs and reports but they said that they did not receive them. I will attach the FTC reports here along with my IDs for your reference. Kindly delete the ff fraud accounts and inquiries from my credit reports. Fraud accounts are the ff : XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX - XXXX - XX/XX/XXXX, XXXX XXXX - XXXX - XX/XX/XXXX. Fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The time line : I contact XXXX on XX/XX/XXXX and XX/XX/XXXX to pay off my balance and late fee. I ask to pay my balance and the agent tells me XXXX XXXX they have my bank info on file I ask him to pay it off along with the {$15.00} late fee. 

XX/XX/XXXX I check the account again and see a pending balance. I call again to pay and ask the agent they say there was a remaining balance - I pay again. {$23.00} In XX/XX/XXXX I get a surprise mail that tells me of another balance. I call again to tell them I previously called to pay all the balances. ( But it looks like the late fee was accumulated from {$2.00} interest fee as per account history, I realized this today when I was viewing the account history. XXXX usually tells the late fee is related to pay date or remaining balance, none of the agents told me about this {$2.00} interest fee that caused late fees ) I pay off the {$14.00} late fee balance in XXXX and to be done with this, I ask to close my account/credit card. 

XX/XX/XXXX XXXX check my credit card and XXXX XXXX and notice that my score dropped drastically, it was XXXX points the first time I had issue with XXXX and XXXX points as of now cause of the charges that kept occurring after I paid off my balance with a representative and closed my XXXX credit card. The current account balance is {$110.00} which initially occurred after {$2.00} interest fee kept growing and doubling every month since I closed the account. 

XX/XX/XXXX XXXX I speak to XXXX and they promised to dispute all the charges. At this point XXXX cant put all my full trust in XXXX as they failed to fix the problem in my first and second attempt. My XXXX XXXX already dropped by over XXXX points and I dont want this to damage me any further I am submitting this complaint because XXXX XXXX to communicate the details of this credit card when a store agent stopped me while shopping to get me to sign up for a credit card for a discount. And the associates that I called didnt fully address my issues which caused further complications.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Mortgage

On XXXX XXXX, 2016 I signed the contract to buy a property from XXXX. I justifiably relied on QUICKEN LOANS representations that it would supply the XXXX realtor with the appropriate VA Amendatory Clause and escape clause. However, QUICKEN LOANS supplied the realtor of XXXX with a VA clause that is categorically false and without an escape clause. The QUICKEN LOANS clause includes language that is materially different than the Department of Veterans Affairs ( " VA '' ) requires, to wit in relevant part : "... UNLESS THE PURCHASER HAS BEEN GIVEN IN ACCORDANCE WITH HUD/FHA OR VA REQUIREMENTS A WRITTEN STATEMENT ISSUED BY THE FEDERAL HOUSING COMMISSIONER, DEPARTMENT OF VETERANS AFFAIRS OR A DIRECT ENDORSEMENT LENDER, SETTING FORTH THE APPRAISED VALUE OF THE PROPERTY OF NOT LESS THAN [ the agreed upon purchase price ] ''. 
This language directly contradicts the language required by the VA in relevant part to wit : ".... if the contract purchase price or cost exceeds the reasonable value of the property established by the Department of Veterans Affairs. "
Product: Mortgage

Hi, I was recently hired to help pay my bills. I have submitted a loan modification with Wells Fargo a couple of weeks ahead of my foreclosure date. Wells Fargo kept asking for more documents which had my foreclosure date quickly approaching. I was notified 7 days out that the could no longer accept my loan modification documents. I asked if I could sell the home. Wells Fargo reply was yes. I hired a realtor before the sale date. The realtor was notified a day after the foreclosure that they could no longer accept sale documents.
Product: Payday loan, title loan, personal loan, or advance loan

Company charges excessive interest which should be illegal. While I paid off the loan at a significant savings and early, the original contract amount with interest was XXXX payments of {$530.00} a month and only {$50.00} a month going to principal. This is outrageous and predatory. 

The company did discount my payoff after lying to me saying they had removed my ACH information when they had not. I had requested this in writing twice, and confirmed on a recorded phone call by the company that the rep had converted my account to ACH revoked, the rep said yes she had. The next day I logged into their website and found my checking info along with my payment date and info. The rep had not removed the ACH info after I had revoked it repeatedly. Company is predatory and hides behind tribal law to get away with their actions. Unethical and Immoral.
Product: Checking or savings account

I have a checking account with M & T bank and I wanted to close it. However, the bank refuses to close the account due to a minimal balance of only XXXX XXXX. I requested them to send me a check and close the account, but they declined, which is not a common practice among most banks when there is any balance remaining.