23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

At one point of time I was insured with XXXX XXXX and the insurance was just a little two high for me so I decided to find a cheaper car insurance to go to so I called XXXX and requested that they cancel my policy with them and stated that I found a cheaper insurance.My policy was paided up to date and they tried to get me to stay with them and refused to cancel my insurance which resulted in them trying to charge me for the remaining two payment of my 6 month premium and I told them why should I have to pay something I told you all to cancel. So they reported it as a collection on my credit which my impacted me from getting a lot of things and it is not fair and I asked that they have it removed from my credit
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 reporting or other personal consumer reports

I am requesting again in regards 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, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I have a loan for a used vehicle with XXXX Santander. I pay my loan every month, but the bank does not report my payments to the credit bureau on time. I am currently checking and it appears on my report that the last payment was in XXXX. Today, XX/XX/year>, I have paid the months of XXXX and XXXX and it does not appear reflected in my credit. I have had the same problem in previous months.
Product: Credit reporting

I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX Student Loans almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than 90 and 120 days past due with XXXX and more than 30 days past due with XXXX XXXX XXXX. The Credit Bureaus including XXXX, Experian, and XXXX are in violation of the FCRA.
Product: Debt collection

I received a letter from the Pressler group again on Friday. Notifying me of a court date to review my financial situation. This is after already doing this on a legal form for them a few months ago. And after them placing a judgment on me a few years ago. I only get XXXX a month from ssdi. I am not married so I use that money for my needs plus paying a rent to live in this house. About XXXX. I have nothing that I own everything is in his name and belongs to him. I have XXXX altogether in clothes jewelry and face supplies. I can't afford to have my ssdi garnished especially when that is all I have. I have horrible XXXX  daily and the constant stress is too much. I can settle for XXXX dollars in writing and on record. So this doesn't continue. That is all I can offer to settle this.
Product: Mortgage

My loan number is XXXX. I filed for bankruptcy in XX/XX/2022 and the Freedom Mortgage personnel need to get in contact with their attorneys because their claim was not honored by the court. The trustee is not making payments to them. My account needs to be adjusted to reflect that. They were notified but their claim was denied by the bankruptcy court.
Product: Credit reporting or other personal consumer reports

I have went to their sites on numerous occasions I have not been able to get a credit report from either companies and the information that they are providing has XXXX my credit score significantly
Product: Mortgage

I changed my auto-draft amount to a lesser amount in XXXX on myloancares website. It was set-up to withdraw from my checking. But it withdrew from my savings. Ive had this issue for 4 months straight and I dont know what else to do. Ive incurred more than {$100.00} worth of fees from this companys all because of this. I bank with XXXX, but quickly realized it wasnt there fault but myloancare. I emailed to request a refund since it isnt XXXX  fault but myloancare for not taking the money out of the correct bank account.They tried taking the money XX/XX/XXXX. From savings even though it was set-up for checking.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting Inaccurate information on my consumer report to XXXX, Trans Union, XXXX. 

XXXX federal is reporting Late payments which is a violation of the FCRA. 15 USC 1666b Timing of Payments- ( 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. 

Furthermore the activity date are reporting as- ( XXXX ) ( XXXX ) ( XXXX ) these are inaccurate reporting and goes against the metro XXXX guidelines
Product: Credit reporting or other personal consumer reports

The revised letter is a formal request for the verification of a specific account, XXXX, listed on a credit report. The individual, XXXX XXXX, is citing the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, which requires the credit reporting agency to physically verify the original signed consumer contract for any accounts posted on a credit report. Without this verification, the individual asserts that the account could potentially be fraudulent, and the credit reporting agency could be held liable. 

In the letter, XXXX demands the following actions : XXXX. **Verification of the XXXX XXXX : The credit reporting agency must provide original paperwork verifying the account, as required under Section 609 of the FCRA. If the account can not be verified, the agency must remove it from the credit report. 

XXXX. **Removal of Non-Account Holding Inquiries** : The letter requests the removal of any non-account holding inquiries over XXXX  days old from the credit report. 

XXXX. **Addition of Promotional Suppression** : The letter asks for the addition of a promotional suppression to the credit file. 

The letter concludes with a formal sign-off, indicating that it was signed and sealed by XXXX XXXX XXXX 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit card or prepaid card

This credit card was opened at XXXX store in XX/XX/XXXX when I purchased a mattress & accessories for {$7200.00}. The agreement was that the payment for the products would incur no fees or interest for the 24 month promotional period and monthly payments would be equal to 1/24th each month of purchase price- {$300.00} per month. XXXX sent a defective mattress & had to replace it 4 times. After the 5th time I insisted that they give a full refund since we had not been able to sleep on the mattress during the near 1 year since purchase, each replacement was either the wrong mattress or another defective one. They agreed to refund the purchase price but they only did a partial refund. After months of back and forth where I had to keep paying the credit card company the {$300.00} per month, they refunded an addition amount, but not the full amount I originally paid and there was a balance left of {$630.00}. The credit card co said that they couldn't credit any of the payments back that I already paid for the defective mattress-I had to get it directly from the store, but that they would adjust the monthly payment to {$110.00} and the adjustment would take 36 hours to show up online. It never did - I called up, spoke with a number of service reps and on XX/XX/XXXX, while on the phone with them I paid {$110.00} for the XXXX payment. I was, once again told that it would show up online in 36 hours. It didn't-I sent secure messages on XX/XX/XXXX & XX/XX/XXXX & spoke with XXXX & XXXX-customer service in South Dakota-both telling me that the previous rep didn't do it correctly, but not to worry it is now taken care of and would show up online in 36 hours. Each told me they spoke with a supervisor and that it was being taken care of & that {$110.00} payment was correct. I paid the second {$110.00} after speaking with XXXX and today I find online that I am charged a {$28.00} late fee. Their chat service says they have a live person available, but no one comes online.
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple unauthorized hard inquiries on my credit report. I have identified XXXX inquiries that I did not authorize. These inquiries are negatively affecting my credit report. The inquiries in question are as follows : XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Student Loans- Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards- Phone Number XXXX ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : BYMAILONLY XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XXXX - Type : All Banks - non-specific - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and, if the information can not be verified, remove these inquiries from my credit report. These inquiries were made without my permission and I did not authorize them. 

Please take the appropriate actions to rectify this situation and confirm in writing that these inquiries have been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from XXXX that indicated that a credit inquiry was made by your company on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I requested validation by certified mail several times and it was removed from all credit reporting agencies except XXXX.
Product: Credit reporting or other personal consumer reports

I noticed there were several hard inquiries on my report I did not authorize.
Product: Money transfer, virtual currency, or money service

At about XXXX, the caller called my boyfriends phone and told him that his calling from Bank Of America and our joint account is being hacked. The caller proceeded to have my boyfriend download an APP and had full remote access to his phone and transferred XXXX increments of money starting from {$490.00} to {$490.00} totaling {$2900.00}. By the time the figured that it was a scam caller, they had already transferred the money out of the account. We called Bank of America immediately to notify them of such act. They then closed the account, open a new one and transferred the remainder of funds into the new account. The. All we kept calling all night, and my boyfriend went the very next day and bought a whole new phone because they had access to the old one. Bank of America, sent us a letter debuting to pay us back. This is unheard of. We filed a police report with my town and hoping they can find these scammers.
Product: Debt collection

This is a file you did XXXX!! World wide assessment LLC!! I discover they have the wrong credit card number ending XXXX!! I call XXXX  and they told me you only have two cards ending XXXX and XXXX and call XXXX XXXX XXXX! And put it on 3 way!! I can talk to XXXX XXXX and worldwide!! We settle your account and we didnt sell your account to anyone!! So how worldwide have my account!! They stole my account from XXXX XXXX when I thought they close in XXXX!! So worldwide had been Garnishing my way since XXXX And ruined my life and gave me a XXXX XXXX XXXX thanks in advance miss XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following account XXXX XXXX XXXX has violated my federal protected consumer rights. I noticed some things that are incomplete and inaccurate on my credit profile.According to the Fair Credit Reporting act 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. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g validation is requested. 
Pursuant to 1006.34 Notice for validation of debts. A debt collector must provide a consumer with the validation information required by paragraph ( C ) ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumer 's name and mailing address.

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.

( v ) The name of the creditor to whom the debt currently is owed.

( vi ) The itemization date.

( vii ) The amount of the debt on the itemization date.

( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.

( ix ) The current amount of the debt. 

This is a request for VALIDATION made pursuant to the above-named Title and Section.

I respectfully request your offices to inform TransUnion to provide evidence that I have any legal obligation to pay the alleged debt, including the following documentation : Agreement with the creditor that authorizes to collect on this alleged debt ; 1.The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; 2.Proof that the Statute of Limitations has not expired ; 3.Complete payment history on this account along with an accounting of all additional charges being assessed ; 4.Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and there are hard inquiries that I do not recognize. 

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

There is detailed information on two of the accounts that I've been disputing with all three bureaus. Under the FAIR credit reporting act ( 609 ) it states that if the information being reported isn't accurate, complete or verifiable it must be corrected or deleted. There is a collection with XXXX XXXX XXXX XXXX that's been reporting inaccurate information, plus I'm not aware of this crteditor either. The XXXX/XXXX account isn't reporting accurately higher and I need them to correct the late payment that's holding me back.
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 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 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 or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown accounts and inquiries that needs to be removed from my credit report. Please refer to attachments for details.
Product: Mortgage

Have a Reverse Mortgage with Reverse Mortgage Funding since XXXX. Beem inmy home since XXXX and this year is the first time we were not able to pay the property taxes we made arrange with the XXXX Collection for the {$XX/XX/XXXX}, XXXX but the Reverse Mortgage Company went ahead and paid it and is giving us 30 days to pay the {$XX/XX/XXXX} or they are going to foreclose on our home I let the Reverse Mortgage Company and Tax Collection know our situation my husband has XXXX this is his second time and we were having financial problems due to the XXXX treatments. 

He was in the hospital on the XXXX of XXXX due to an XX/XX/XXXX XXXX and his XXXX shutting down and he is back in the hospital as of XX/XX/XXXX with low XX/XX/XXXX XXXX rate and XXXX. It is not like we are not trying to pay we were going to pay so much each month. We have lots of equity in our home but they keep changing the rules now they say I have to wait until I am XXXX. 

I feel like this company is being unfair and to the it is all about the money they do not care about people just want them to work with us nit sell our home and put us out on the streets we are both XXXX XXXX and XXXX XXXX XXXX where will we go.
Product: Vehicle loan or lease

I went to buy a car, and the car price was {$19000.00} on the internet. The manager told me she removed {$2000.00} on the sale price. The car price should have be {$17000.00}. She asked me {$2000.00} down payment. During the process, the down payment couldn't go through. He asked me to go get cash. He said come back tomorrow. When I came back the next day and give the finance manager the cash, he took the cash and refused to fill out the paper work. He insisted my signature was already on a loan for $ XXXX. He didn't provide me a correct registration. He said there was still a lien with someone else on the car. Also my registration did not go through. I return the car back to him after he said all of these words. He said wait for 30 days. I called the finance department about the situation. They said that if my signature on it it is legal binding. I didn't remember sign these paperwork with him. He gave me an envelope with paper in it. The financial institution changed from the one he mentioned. He also give me a fake credit score to trick me. They finance department said my {$2000.00} cash was a gift or for repair. They refused to fix the account. Instead, they took the car without notice while the finance department told me they were investigate the contract. The car was repossessed with all of my documents in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to submit a dispute for a hard inquiry with XXXX. A hard inquiry was performed by Navy Federal Credit Union ( the lender ) without proper disclosure. I was given guidance from the lender that they could not have the hard inquiry removed and that the best course of action would be to dispute it with the credit bureau. However, there is no process for disputing an inquiry through XXXX. This has negatively impacted me financially by reflecting incorrect information on my credit report and impacting my score.