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

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. XXXX XXXX XXXX ... XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX  XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

On XX/XX/year> I wrote a check for {$800.00} and it was returned. I called the company on XX/XX/year> to make a payment arrangement and to acknowledge my debt. They refused the payment arrangement and payment, threat to continue to negatively impact my credit report and checking privileges, very unprofessional and talked to me like I was a child.
Product: Debt collection

A debt in the amount of {$94.00} has been reported as a collection account on my credit reports since XX/XX/XXXX. The debt was a medical debt that was paid through an insurance settlement. The debt should never have been reported on my credit report as a collection debt as it was paid off by the law firm that handled my settlement. I disputed this item numerous times through the credit bureaus, but my attempts were unsuccessful. I even requested any documents to verify this debt, but never received anything from the company. Since I was able to actually obtain the documented proof of the paid debt from the law firm that handled the case, I had this item re-investigated in XX/XX/XXXX through the credit bureaus. This item still came back having been verified as a collection debt owed by me. Obviously, neither the Receivable Solution Specialist ( collection company ) or XXXX XXXX XXXX ( originator ) took the time to properly verify that this account was paid. After calling Receivable Solution Specialist and getting nowhere, I called XXXX XXXX XXXX, who originally reported the debt. They immediately realized this was an error. I spoke to them back in XXXX and they apologized and informed me the item would be removed. This item is still on my credit reports as an unpaid collection account. Had the XXXX XXXX XXXX or Receivable Solution Specialist properly checked their information, it would not have had to spend countless hours hours correcting their error.
Product: Credit card

I purchased a wooden swing from Wayfair in XXXX XXXX The swing had a one-year warranty from Wayfair. On XXXX XXXX XXXX, I sent Wayfair pictures to show that my wooden swing 's wood had rotten. I shared photos that showed my swing was under the porch and that I had purchased a cover for additional protection. After accepting the photos, Wayfair indicated that my account would be credited for the damaged swing within 5-10 business days. When I checked my Wayfair account ( Citibank ), the credit was not issued. I called Wayfair to inquire why my account had not been credited. I was informed that a credit could not be issued until the dispute I had with Citibank was resolved. I informed Wayfair that I did not have a dispute with Citibank, the Wayfair representative indicated that nothing could be done ; therefore, my Wayfair account had to be sent to an executive resolution specialist. An email from Wayfair, XXXX, executive resolution specialist, was sent to me that read, " This is in regard to your XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this time, you will need to contact Citibank regarding your refund. A dispute was entered with the credit card company, and they are holding the money for the transaction. They will provide a refund to you based on the findings of that dispute. '' I called Citibank, the Citibank representative indicated " We are a bank, any refunds must come from Wayfair. '' During the conversation with Citibank, I asked for a XXXX conversation with Wayfair. Wayfair, Citibank and I discussed my refund, and I was told the same thing, that Wayfair could not do anything until the pending dispute was resolved. The Citibank representative told the Wayfair representative that there was no dispute pending. On XXXX XXXX XXXX XXXX, a Wayfair Executive Resolution Specialist finally sent an email that confirmed that the dispute that Wayfair referred to was resolved XXXX XXXX XXXX Even after the email was shared on XXXX XXXX XXXX  I am still going back and forth with Wayfair and Citibank since XX/XX/XXXX, regarding my account being credited. Citibank has added interest, late fees and a negative report to my credit report. Once Wayfair credits my account and the late fees and interests are removed, my account is XXXX. I followed all instructions that were asked by Wayfair and my account still has not be addressed by Wayfair. At this time, I have no swing and I am expected to pay a bill. Please assist, I will share all emails and pictures at your request. Prior to this incident, my credit report was exceptional ; never a late payment of any kind.
Product: Vehicle loan or lease

Regarding : Vehicle : XXXX XXXXXXXX XXXX VIN : XXXX Illinois Title # XXXX Registration Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To Chase Auto : I had a car loan with Chase which was used to pay-off a lease I had with XXXX XXXX. 

XXXX XXXX was also a party to the Lease transaction when I acquired the car new in XXXX. XXXX XXXX is still listed on title with the State of Illinois. 

XXXX XXXX should have sent the Title to Chase. and appropriate paperwork indicating a release of lien. XXXX XXXX reports sending all the appropriate paperwork to Chase. 

Chase was reported to send a release of lien to my current lender which is XXXX XXXX. However, Chase did not forward a title. 

At this point, I am not sure where the title is and how XXXX XXXX figures into the lease transaction. I suspect that XXXX XXXX provided financing to XXXX XXXX to purchase the car but am unsure. 

What I need to clear up my title is copies of the documents sent to Chase from either XXXX or XXXX. 


Background XX/XX/XXXX XXXX XXXX from XXXX XXXX. Lease term was 39 months & the lease was paid-off early. 
XX/XX/XXXX obtained a pay-off from XXXX XXXX for remaining balance to purchase the vehicle. 
XX/XX/XXXX opened Chase Auto-Loan account & Paid-off XXXX XXXX Lease Agreement in full . 
XX/XX/XXXX Opened XXXX XXXX XXXX XXXXXXXX & paid-off Chase Auto XX/XX/XXXX Chase Auto reported being paid-off Since XX/XX/XXXX I have had a car loan with XXXX XXXX. 
XXXX XXXX advised me that they have been trying to obtain a clear title since the account was opened and have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XX/XX/XXXX credit score plunged 40 pts due to payment status changed to ( negative past 180 days for the period of over a year ) on Credit Acceptance reporting. Within a week I disputed with XXXX, XXXX, and Credit Acceptance including a copy XXXX  report from both bureaus of on-time payments for the negative days recently reported. Credit Acceptance has been on-going with consistently changing to inaccurate information. XXXX has corrected information accordingly however, my XXXX report remains the same ; Dispute dates with both bureaus are XX/XX/XXXX and XX/XX/XXXX. Additional incorrect information on reporting as follows : REMARK added regarding late payments, Payment status, balance due and initial open date. My main concern at this point is the negative remark and invalid late payments reported. Balance due of {$450.00} increased by {$240.00} on XX/XX/XXXX, after receiving the previous dispute. I guess this was a retaliation? I refused to pay the {$450.00} because it was paid by XXXX XXXX XXXX, after an accident and the remainder balance was covered by GAP. 
Note : other documentation is available upon request and has been submitted to bureaus and debtor.
Product: Credit reporting or other personal consumer reports

I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed that certain accounts and transactions have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. Regrettably, I've become a victim of identity theft, compelling me to take action to report this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, pursuant to 15 U.S. Code 1681i, I requested the description of the procedure of reinvestigation from Transunion ( complaint # XXXX ). On XX/XX/XXXX, Transunion responded that they would respond within 60 days. According to FEDERAL consumer law, This information was to be received within 15 days of the receipt of the complaint. As of today, XX/XX/2022, this information has not been received and therefore Transunion is in VIOLATION of my consumer rights. Since Transunion continues to violate my consumer rights and be willing fully negligent as it pertains to my file, I will be filing a dispute in small claims court to seek remedy for said violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX credit inquiry by places unrecognizable by XXXX XXXX XXXX I applied for auto loan approved next day they hit my credit alot that day wanted a XXXX $ down payment due to a collection on report from XXXX XXXX that is over 7 yrs old and they won't take off Equifax or XXXX I got it off XXXX and after I was approved for a loan in XXXX XXXX XXXX they sold the truck I wanted now credit is to bad to get financed anywhere XXXX XXXX is still saying I am not making payments on XX/XX/ and the account is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 Inquiries XXXX XXXX XXXX XX/XX/2022 Experian This is not right! I received a credit report from you and there are some companies that i'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first!! U S Code 15 USC 1681 ES Seg Section 604 states all users must have a permitted purpose under fair reporting act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report Respectfully, The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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 or other personal consumer reports

XXXX XXXX  reinserted an account to my my credit report without my permission. I was not notified 5 days ahead of time that this a. Punt would be reinserted which has violated my consumer rights under title 15 usc 1681. I also was affected by the Equifax dat breach.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. In XX/XX/XXXX I applied for a XXXX XXXX checking Account and was denied due to checking account fraud provided to XXXX XXXX from XXXX  XXXX XXXX. I contacted XXXX  and I was told that on XX/XX/XXXX a fraudulent transaction was received from XXXX XXXX XXXX bank and credited to bank account # XXXX. XXXX records showed that the transaction was reported as unauthorized and deducted from the account. I have never used this account nor do I have access to it and I do not know anything about this transaction nor is it related to anything I have done or have been a part of. My account with XXXX is different from this one and I have had that account since XXXX. I filed a police report for this incident.
Product: Credit card

I have been trying to get a credit card from SYNCHRONY BANK for years and years and years now but have been denied and declined everytime now but not only that they now have me permanently internally blocked from their application portal with no explanation or reason why they simply tell me they dont know how or why and there isnt anything I can do about it either so when I tell them that I am XXXX and have been on SSXXXXI since XXXX  and that I feel like I am being discriminated against and at some point it has got to be considered discrimination they blocked me internally from ever getting past the application portal and they refuse to even discuss my situation further and they say that there is not even anyway to rectify this oversight period
Product: Credit card

My credit limit on this card is {$1100.00}. On XX/XX/XXXX there were several attempts to charge my card with amounts above and below this balance. on XX/XX/XXXX Prosper ( XXXX XXXX XXXX ) allowed a charge of {$3400.00} which I did not authorize. I requested that they obtain details from the company showing the authorizations and provide proof. I never received it. After numerous calls with the company I finally closed the account. I continued to make minimum due payments on a balance that is not mine so that it does not impact my credit. As of XX/XX/XXXX the company processed an autopay on my account that I did not authorize for {$3500.00}. They first tried to tell me that my autopay was set up to take the full balance. When I showed them proof from their system that my autopay is and has always been set to take the minimum due each month on the XXXX, they then told me my minimum due was {$3600.00} on an account balance of {$4500.00}. When I requested the representative to walk me through the math he was not able to do so. He ended up saying that is my minimum due and that's why they charged my account. This company is not conducting valid investigations, they are setting up fraudulent minimum payments and refuse to provide monthly statements. My online account conveniently does not reflect the statement XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found the following unauthorized credit inquiries reflecting on my recent credit report. I did not personally apply for any of the banks and lenders below. Please Delete the listed inquiries from my credit report promptly. Thank You. 

Inquiries Creditor Name Date of XXXX XXXX XXXXu XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX CIS XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT XXXX BANK NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXXXXXX TransUnion XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FACTUAL DATA XX/XX/XXXX TransUnion FACTUAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting

see attachment. 

They still have not provided the support documents to verify the debts. No physical support documents. The information needs to be deleted. 
I have been waiting for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX
Product: Mortgage

I purchased my home in 2015. The home was purchased for XXXX. It also appraised for XXXX, which I have the appraisal on hand. I did get behind on payments due to medical expenses, life challenges due to XXXX of my kids being hospitalzied. However, I have worked really hard to come back from that and I called last year to see what I needed to do to get the PMI dropped. They told me I needed to be 12 months no late payements. I have now been 12 months no late payemnts, and have now requested twice they drop the PMI insurance and they denied both times stating they can not drop it until I reach 78 % of appraised value. Appraised vaue is XXXX back in 2015. I currently owe {$95000.00} and they still will not drop the PMI insurance, even though I have been over 12 months no late payemnts and I can not get ahold of anyone on the phone unless you wait forever on the phone going through their phone system putting in the same things over and over and if you are lucky you can talk to someone. Last week when I talked to someoen they told me they should drop it and that they would submit it yet again. And I get another denial again today. Not impressed with how Shellpoint Mortgaging Service Company is handling this situation.
Product: Mortgage

After already closing on home. received documentation that my mortgage was going to go from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$390.00} XXXX {$0.00} XXXX {$3300.00} XXXX {$1900.00} XXXX {$5300.00} XXXX XXXX XXXX {$180.00} XXXX {$1200.00} XXXX {$850.00}
Product: Mortgage

see complaint number XXXX I asked to receive the XXXX recorded call transcripts date XX/XX/XXXX at XXXX XXXX XXXX and XX/XX/XXXX at XXXX pm XXXX. I did not receive them. I also asked for the photo contents of the payment envelope dated XX/XX/XXXX for loan XXXX. I received the photo contents for XX/XX/XXXX instead. My account is requiring XX/XX/XXXX. Please send the photo contents for payment made XX/XX/XXXX. Also. please send the XXXX recorded call transcripts date XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX  as they were never sent.