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

I must express my concern regarding compliance with the Fair Credit Reporting Act during the examination process of Experian and XXXX Credit Bureaus. It appears that the following accounts require further attention to ensure the utmost accuracy in my credit file. Thus, I kindly request another investigation specifically for the following accounts : XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXXXXXX I firmly believe that the information concerning these accounts are entirely inaccurate. Throughout the duration of these accounts, I have consistently made timely payments, and my records support this fact. Therefore, I urgently request a prompt and affirmative correction of this discrepancy. Your assistance in resolving this matter at earliest convenience is highly appreciated. 
* XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} This account was already paid as agreed, and XXXX balance, but still acquiring 30 days late on XXXX, XXXX and 60 days late on XXXX, 2021. Please investigate this account and remove negativity as soon as possible. 

XXXX XXXX XXXXXXXX XXXX Balance : {$570.00} An account showing to be currently 120 days late is considered a charge off under the Federal Reserve and the XXXX XXXX XXXX XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and fix the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of unauthorized inquiries that appear on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from [ Name of Credit Bureau ], I have identified multiple inquiries that I did not authorize or recognize. 

Listed below are the unauthorized inquiries : 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  [ Date ] I categorically state that I did not apply for credit or authorize inquiries with the above-listed creditors during the specified dates. These unauthorized inquiries are inaccurate and are adversely affecting my credit score.

Under the FCRA, Section 1681b ( c ), and Section 1681i ( a ), I am entitled to dispute and request the removal of inaccurate or unauthorized information from my credit report. This includes unauthorized inquiries that have been improperly listed. 

Enclosed are copies of my credit report highlighting the unauthorized inquiries, along with supporting documentation demonstrating that I did not authorize these inquiries. 

I demand that [ Name of Credit Bureau ] conduct a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report in accordance with the FCRA. Please provide me with a written response detailing the results of your investigation and confirmation of the inquiries ' removal.

I expect this matter to be resolved expeditiously, as required by law. Failure to comply with FCRA requirements may result in further legal action.
Product: Mortgage

On XX/XX/2020, I was contacted by Account Executive from XXXX XXXX that works together with XXXX to refinance my mortgage. They promised to beat the rate we were offered by another entity and said that we are looking at 30-45 day escrow. We signed the agreement at 2.5 % without closing cost. 

Person from XXXX XXXX led us to believe that were on track and almost ready to close and advised not to pay our mortgage payment for XXXX. Luckily, I did not take his advice and made a payment before penalties kicked in and our credit scores was affected. 

On XX/XX/XXXX, they assured me that we are still moving forward and almost ready to close. 

On XX/XX/XXXX, they told me that management has reviewed the file and identified some pricing errors so now I have to pay 2.75 % instead of 2.5 % with no points. At that point, I simply agreed to it and instructed them to carry on with new rate. It's now XX/XX/XXXX, deal is nowhere near closing state unless I'm willing to take 2.75 % with closing cost being around XXXX. Those guys using bait and switch techniques to acquire new customer base, absolutely unacceptable at these day and age.
Product: Credit reporting or other personal consumer reports

Subject : Request for Verification or Deletion of Negatively Reporting CLOSED Accounts - 15 USC 1681i Dear Experian Credit Team : I am writing to dispute the accuracy of information contained in my credit report, specifically regarding the accounts listed below which are negatively impacting my credit profile : XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX  Acct XXXX XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i , I am requesting that you undertake an investigation to verify the validity of the reported accounts or, if unable to do so, delete it from my credit report in accordance with my FCRA rights and the law.

Upon reviewing my credit report, I discovered that the accounts in question are being reported negatively. However, I have reason to believe that this reporting may be inaccurate or incomplete. I have not received any documentation or communication from the creditor regarding these accounts, nor have I been provided with any evidence supporting the reported information.

As mandated by the FCRA, I request that you conduct a thorough investigation into the validity of these accounts. This includes verifying the accuracy of the account information, the identity of the creditor, and the details of any transactions or activity associated with the account.

Furthermore, if you are unable to verify the accuracy of these accounts within the statutory timeframe, I request that they be deleted from my credit report immediately. The FCRA requires credit reporting agencies to maintain accurate and fair information, and inaccurate reporting can have significant adverse effects on my financial standing and opportunities.

Please provide me with a written response detailing the results of your investigation and any actions taken within the timeframe required by law. Additionally, please include any documentation or evidence that supports the accuracy of the reported accounts. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Student loan

I have 6 CLOSED PAID OFF loans from South Carolina Student Loans that I filed a dispute with to remove from my credit report. The date for all 6 close is XX/XX/2013. There is a {$0.00} balance and I was told they would all be COMPLETELY REMOVED after I faxed payment information.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT My identity was stolen and used by a thief to get a residence and open phone services. I have lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXor 5 years this has always been my residence. I have never had an account with XXXXXXXX XXXX XXXX {$14000.00} XXXX I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THESE ITEMS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE NEVER LEGALLY ENTERED INTO BUSINESS WITH ANY OF THE COMPANIES LISTED ABOVE
Product: Payday loan, title loan, or personal loan

I secured a loan form security finance XXXX XXXX 2020 ). The loan was for {$800.00}. They took {$200.00} from the principal so therefore I only received {$600.00}. Security Finance is violating the usury laws of my state of Georgia with higher interest rates than allowed and {$200.00} fee charged to me from the principal. Ive been paying on the loan and the principal is still {$600.00}.
Product: Mortgage

XXXX XXXX Company : Shellpoint Mortgage Loan # XXXX Account holder : XXXX XXXX XXXX Subject property address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX Shellpoint Mortgage was my mortgage servicing company for the above mortgage loan and subject property. Earlier this year, I found out from the payment history on shellpointmtg.com that Shellpoint Mortgage had been charging me monthly late fee of {$38.00} from XX/XX/XXXX to XX/XX/XXXX because Shellpoint Mortgage did not apply my XXXX XXXXXXXX mortgage payments properly on my mortgage account. With that said, Shellpoint made the error and kept charging monthly late fee on my mortgage account for a year and also treated my mortgage account 30 day payment behind. I filed a complaint to Shellpoint Mortgage about the issue and their investigator did not handle my complaint seriously and send me a letter stating the late fees were correct and I was behind my mortgage payment. I have made my mortgage payments on time and I shouldnt get charged for the late fees and got reported to credit bureaus I was payment my mortgage late. On XX/XX/XXXX, Shellpoint sent me a letter that they have sold my mortgage servicing to XXXX XXXX XXXX and my account is still showing one month payment behind the schedule. I really hope that CFPB can help me to solve the issue with Shellpoint Mortgage so the issue can be corrected. Thank you for your time and assistance in advance. 

Best regards, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.
Product: Checking or savings account

I opened a new Chase savings and checking account with coupon code XXXX XXXX XXXX XXXX on XX/XX/XXXX. In order to qualify for that {$300.00} checking bonus {$200.00} savings bonus and {$400.00} extra for opening up both ( total {$900.00} ) direct deposit had to be setup for the checking and {$15000.00} had to be deposited in my savings ( Account number : XXXX ) and kept for 90 days. Both activities were completed by me on XX/XX/XXXX. 

I received the {$300.00} bonus for the checking approximately 15 days after verifying that the coupon code had been entered in correctly. On XX/XX/XXXX ( approximately 4.5 months later ) the money for my savings account bonus+extra bonus had not been deposited into my account. It should have been deposited 15 days after meeting qualifying activity ( approximately XX/XX/XXXX ). I called and created a complaint ( XXXX ). On XX/XX/XXXX a Chase investigator, XXXX, left a voicemail stating to call them back with no other information. I called back the number the same day ( XXXX ) which was a general number and not a direct line. XXXX did not have a direct line but the customer service reps said they saw that the notes stated XXXX was working on a resolution. It appeared I had met the terms so they asked me to just wait. I called back again on XX/XX/XXXX, hoping I could get in touch with XXXX directly, but received the same response and that it would take one to two weeks and to just wait. I wanted to get a hold of my investigator but since there was no direct line they were unable to transfer me to her. On XX/XX/XXXX I called in and was then told that my case had been closed on XX/XX/XXXX with no explanation as to why-even though I was told on XX/XX/XXXX they were still working on my case. XXXX still has never called me back even though I have contacted customer support three times and spent hours on the phone. 

It has been more than 6 months and I have still not received my bonus. I followed all terms in their fine print, I created a complaint, was unable to contact my investigator directly, and had my complaint closed for no apparent reason and without explanation. I am hoping you are able to help me with this as I feel I am being completely ignored in this manner, thank you.
Product: Payday loan, title loan, or personal loan

XXXX XXXX and Big Picture Loans solicited me and others in XXXX, MA for payday loans under {$6000.00} with an annual percentage rate much higher than the amount allowed in Massachusetts, without being licensed with the Massachusetts Division of Banks. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, sent me a flier by United States Postal service saying me and 451 people who specifically resided in XXXX, MA were pre-approved to receive up to {$400.00}. I took out the loan ( loan # XXXX ) and paid the loan off in the amount of {$1700.00}. During my loan with XXXX XXXX, they assigned the loan to Big Picture Loans XX/XX/XXXX. 
XX/XX/XXXX, after I paid my previous loan off, Big Picture Loans sent me a solicitation for another loan by United States Postal Service saying me and 34 other people who specifically reside in XXXX, MA were pre-approved for up to {$600.00}. I took out the loan on XX/XX/XXXX, which was approved for {$900.00} ( loan # XXXX ). This loan had an APR of 497.6312. After paying {$640.00} on the loan, I asked Big Picture Loan if they can NOT debit my account the following pay and allow me to skip a payment time because I was having financial difficulties. They told me they could wait until the next pay time BUT I would have to make 2 payments. I had to agree because I had no choice. They were not willing to extend the loan by 1 payment. After having problems with them remotely creating checks on my account without my permission, causing me {$60.00} in overdraft fees, I wrote them a l complaint letter. They offered me a settlement which I approved but they stopped taking funds out of my account. I revoked their permission to access my checking account by sending them a letter. 
I feel these loans were illegal because I have recently come to find out these companies are not licensed to do small loans in Massachusetts, and by these companies being aware of this but still soliciting advertisements via United States Postal Service, they were being deceitful and are liable for refunding all money that I have paid on these 2 loans in the amount of {$1300.00} plus the {$60.00} insufficient fees I was charged on my banking account totaling {$1400.00}. 
If the company would rather have the Massachusetts Division of Banks make a ruling on whether they owe me just the finance fees I paid or the full amount paid for the 2 loans which is {$2300.00}. I would be willing to file a complaint with them and let them make an accurate decision. I would also like a letter stating both these accounts are closed. 
I would like to have this money refunded to me within 15 days via express mail. Any correspondence is to be done by email or certified mail where it can be documented. These companies have cause me long term financial harm. I have enclosed supporting documents.
Product: Debt collection

I had this account removed off of my credit report many times. Then it will returned on my credit report under a different reporting agency
Product: Mortgage

My engagement with Fay Servicing began in XX/XX/XXXX. We had our insurance policy, which we paid for directly and not through an insurance escrow account, emailed to us by our XXXX insurance agent. This is when issues with Fay Servicing started to arise. On XX/XX/XXXX, they debited my account for insurance in the amount of {$1200.00}. 

Subsequently, on XX/XX/XXXX, an insurance refund of {$1200.00} was processed, but it is unclear who the recipient was. On XX/XX/XXXX, I was charged {$96.00} for insurance and received notification that I had been assigned forced placed insurance with XXXX XXXX XXXX for the period from XX/XX/XXXX, to XX/XX/XXXX. 

On the same day, XX/XX/XXXX, my account was again charged for insurance, this time in the amount of {$3500.00}. 

A further insurance refund of {$280.00} was issued on XX/XX/XXXX ; however, it is not specified to whom this refund was made. 

On XX/XX/XXXX, my account was charged yet another insurance payment of {$2600.00}. 

As a result of these transactions, my mortgage payment has increased from {$950.00} to {$1500.00}.
Product: Credit reporting or other personal consumer reports

I HAVE AN INQUIRY FOR XXXXXXXX XXXX XXXX  XXXX XXXX. I DID NOT APPLY FOR ANYTHING NOR GAVE PERMISSION FOR MY CREDIT TO BE RAN, I ADDRESSED IT WITH COMPANY THEY APOLGOIZED AND SAID I HAD TO DISOUTE, I TRIED DISPUTING YET IT IS STILL ON MY REPORT. THIS IS VERY UNFAIR THAT I HAVE AN INQUIRY FOR SOMETHING I DID NOT APPLY FOR.
Product: Credit card or prepaid card

I launched a dispute with a vendor, XXXX XXXX XXXX to be exact, in the amount of {$42.00} on XX/XX/2021 due to shipping issues with the order. After seeking a refund directly from the Company, I withdrew my dispute on XX/XX/2021. The Company acted in good faith and agreed to the dispute, which was still active on XX/XX/2021. On their end, they were able to agree to the dispute, thus notifying my bank that the {$42.00} in dispute should be returned as a credit to me. However, Goldman Sachs customer service misrepresented the status of this dispute on four overall occasions. Beginning on Friday XX/XX/XXXX, two different representatives told me unequivocally that the dispute was still active and I must wait 90 days. As the dispute was still active ( even though it was withdrawn two days prior ), that was how XXXX XXXX was able to agree to the standing dispute, which should have resulted in {$42.00} being returned to me as a credit/refund. Since then, I have escalated to issue through XXXX and filed a formal report against them for alleged mishandling and miscommunication about this entire situation beginning on XX/XX/2021. They continue to string me along with false reassurances that they will hopefully resolve the issue. 

I have given them approximately a week to hopefully follow-through on my behalf, but it seems they have entirely dropped my case. As a consumer, I resorted to filing this report as a means of preserving my consumer rights, and giving me a sense of security that they will have to eventually respond and resolve the issue.
Product: Debt collection

Westlake Financial has repeatedly called using different numbers from their call center in an attempt to mirror local numbers ; some of which are similar to my children 's school numbers. This stops me from working so I can answer the phone to see if family in my area code are OK, only to have it be a collection call. Additionally, on this last call, they never told me it was an attempt to collect a debt, did not disclose who they were prior to asking me for verification information, and then told me they were going to intentionally notate my account incorrectly because the woman didn't like my answer to a question. When asked why the account was 20 days late, I stated I didn't know because my wife pays it and she told me she made payment. She said, I'll notate that as non-responsive. I attempted to clarify it with her, and was promptly disconnected ( non-aggressive on both ends ). When I called to talk to a supervisor and asked for my notations, they told me I can't have them and to have an attorney contact them, and they will forward it over to their legal department.
Product: Debt collection

For about 6 months now, I am receiving almost daily calls from " Amsher ''. I was never able to answer the phone, so they almost always leave a robo recorded voice mail on my cell phone. They even called me on XXXX Sunday, XXXX XXXX, 2016 at XXXX XXXX. They claim that they are a debt collector. I have an excellent credit rating, have always paid my bills on time. I have never had any debt that would need to be collected, and I have never dealt with any debt collector. My cell phone voice mail system always says that their call came from XXXX. So, I am blocking this number on my XXXX, and via the XXXX app. However, the calls come through anyway, which tells me that they are apparently calling from another, undisclosed phone number. This looks very much like a debt scam to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX, TransUnion and XXXX since XXXX XXXX, 2017. My information has been compromised as a result of the security breach. I have place fraud alerts on my reports to avoid any more fraud usage on my report. Someone is still using my identity and have been applying for credit under my name and social I have spoken with several employees in regards to this matter and I have been told that there is nothing that can be done to help me. I have sent in Police reports, documents showing that I was XXXX during the time of most inquiries, a complaint letter from the fcra and there is no resolution, I am continuously being told they have not received my information. I sent all documents by fax, upload, certified mail and they will not help me.
Product: Vehicle loan or lease

I have been reaching out to Regional Acceptance Corporation regarding a fraudulent contract and I did a cfpb complaint and Regional Acceptance Corporation decided to charge off the account. This account is also reporting inaccurate information on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I purchase a car from XXXX 's XXXX XXXX on XX/XX/2020. The car broke down on me several times on expressway and had me stranded alone. The dealership told me that they would fix it but I would have to it towed to them. Once, I had it towed to them they never fixed the car and this car is a part of the XXXX XXXX. They increased what I owed and I never agreed to these terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Payday loan, title loan, or personal loan

Harassing mail and told wouldnt put this on my credit!
Product: Credit reporting or other personal consumer reports

I have approved for burrowers defense case. I have been approved to have all my loans discharged. XXXX XXXX XXXX sent me a letter XX/XX/2023. Verifying all my XXXX  loans have been discharged. In the letter they indicated they need 60-90 days to delete ALL XXXX LOANS FROM ALL 3 CREDIT BUREAUS. I HAVE MULTIPLE DIRECT DISPUTES WITH THEM YET THEY ARE REFUSING TO FOLLOW THE LAW. I NEED THE TOTAL OF {$14.00} DELETED FROM ALL 3 CREDIT REPORTS. TWO LOANS NEED TO BE DELETED FROM MY CREDIT FILES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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