23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX 2016 I took an equity line loan from First Niagara Bank for {$200000.00}. The terms were for 20 years at 3.99 % interest. Later that year First Niagara bank was acquired by Key Bank XXXX XXXX Ohio. Thus Key Bank became my lender for my equity line. The terms were the same : 20 years at an interest rate at 3.99 % interest. Since I am on a fixed budget, and to make sure I can afford to loan, I amortized the loan. My monthly calculations came up with a monthly payment of {$1200.00}. ( Please see attached ). However the bank has never remotely approach that some and has overcharged me at least {$200.00} per month. ( Please see attached ) In an effort resolve this discrepancy I approached the branch manager on two occasions. His responses were totally unsatisfactory. He appeared not to understand my loan amortization calculations. I then approached a customer service representative at that branch and asked her to contact Key Bank headquarters to have someone call me to resolve this issue. She said she would get back to me in five days. After eight days I came to the branch and asked her if she contacted someone from Key Bank headquarters. She tell me she was unable to contact someone there but gave me the number to call myself. I then called Key Bank headquarters myself on at least six occasions with either a busy single or was left waiting for an average of a half hour with no one responding. Finally I managed to contact someone at Key Bank headquarters I explained the discrepancy in the loan amortization and said she would contact someone in the back to resolve this and would get back to me in five days. this was about a month ago and I am still waiting for an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Experian, I sent XXXX  XXXX XXXX XXXX Account number # XXXX a letter ( SEE ATTACHED ) on XX/XX/2021 ( SEE ATTACHED PROOF ) and was received by them on XX/XX/2021 ( SEE ATTACHED PROOF ) seeking for them to provide me with proof that the repossession of the subject vehicle was legal in accordance with the following XXXX XXXX XXXX XXXX. Well I never got a response back within 30 days as required by law. I also looked at my credit reports and noticed they didn't mark in the comments " Currently Being Disputed By Consumer '' within 30 days. I even gave them three days to change the comments. If you look at the " attached screenshot '' of my Experian report from XX/XX/2021, the comments shows " Account previously in dispute now resolved reported by subscriber ''. And if you look at the comments from todays Experian report XX/XX/2021 it still shows comments as " Account previously in dispute now resolved reported by subscriber ''. By law they are suppose to send me requested information within 30 days and also update the comment section. As you can also see their last status update was back in XXXX. I have already made a complaint regarding this with CFPB ( SEE ATTACHED ). I love working with you and insuring that I have accuracies on my Experian Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, these inquiries were never mine neither did I authorized anyone to inquire these in my behalf. I previously disputed these inquiries through written letters as well as submitting CFPB complaint regarding these matters. I thought that these inquiries were already removed since I have been sending dispute letters to remove these, but I was proven wrong. How many letters do it takes to remove these inquiries from my Credit File and have the Credit Bureaus attention regarding these matter? I am frustrated to see that the Credit Bureaus ignored my letters as well as did not comply with the FCRA section 605b. Right now, I am submitting this complaint to protect my rights which is violated by the Credit Bureaus. I need the following inquiries deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payments To Whom It May Concern, I am writing to formally dispute the inaccurate late payments reported on my credit report. My name is XXXX XXXX and my last four digitals to my social is XXXX. 
The following late payments are incorrectly reported : Creditor Name : XXXX XXXX XXXX XXXX  Account XXXX Date ( s ) of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These entries are not accurate and do not reflect my payment history. I have always made my payments on time, and I expect these inaccuracies to be corrected immediately. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incorrect information. I demand that you investigate this matter thoroughly and remove these erroneous late payment entries from my credit report. 
I expect a written response detailing the results of your investigation within 30 days. Failure to address this issue will compel me to escalate my dispute, including filing a complaint with the Consumer Financial Protection Bureau. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is stating they will not remove the Bankruptcy off my credit report and they won't do another investigation because it has already been verified. The problem I have with this is that they have not provided me with the person who verified this and the source they have received the verification from and it is unlawful of them to refuse another investigation when I am disputing an item. I have contacted the courts and they have informed me that they don't give any BK or Tax Lien information to the credit reporting agencies. Which means that Experian has added this BK to my report unlawfully. If they don't remove this BK with out showing something with my signature on it I will have no other option but to file a lawsuit against them in the sum of {$10000.00} for damages to my credit history. Also by Law they have to show proof of my signature somewhere that I did this Bankruptcy and they can't provide that.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

RMP Services LLc account # XXXX RMP Services LLC account # XXXX
Product: Vehicle loan or lease

On or about XX/XX/ XXXX XXXX  American Honda Finance Corporation made an unauthorized charge to my checking account of XXXX XXXX XXXXXXXX with the amount of {$17.00}. We don't owe any money to American Honda Finance Corporation. 
On XX/XX/XXXX and XX/XX/, I contacted American Honda Finance Corporation to notify about the unauthorized charge and request a refund. American Honda Finance XXXX refused to refund and refused to resolve the issue.
Product: Credit reporting or other personal consumer reports

I have credit inquiries that I do not recognize and I have no credit obligation with this company. XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them. I also didn't authorize these credit pulls.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed an incomplete account online through the CRA Experian. I noticed that the reinvestigation was completed in relatively short time. The reinvestigation was completed in less than XXXX hours. In fact, the reinvestigation was disputed and completed the same day.
Product: Money transfer, virtual currency, or money service

Consumer Protection Financial Bureau From : XXXX XXXX Hello, my name is XXXX XXXX a New Jersey Resident. About a month ago, I met a girl on what app and we developed a friendship. After time she told me she invests and encouraged me to invest in cryptocurrency. First, I had to get both the coinbase app and the coinbase wallet app. I then was influenced to wire XXXX dollars and trade with her guidance .Unexpectedly we made a profit and I was now caught up. Next I invested via coinbase wallet trading XXXX XXXX more ( XXXX ). Profit again, so thus with no caution invested another XXXX thinking it was safe. ( XX/XX/21 ) Again, I traded with her and I made more profit. 
The bank associated with coinbase is : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX CA XXXXThe scammer contacts me every day and evening and we go over trades and have small talk. I had mentioned early on that I needed at least my principle by the first week and XXXX and she agreed to it. Well, last night we tried to withdraw funds but I was informed I have to pay an exchange tax of XXXX in order for coinbase wallet to let me withdraw funds. I was told to wire the XXXX to coinbase first, and once the tax is paid I can retrieve the funds of XXXX dollars. 
At this point, I dont have the XXXX to retrieve the funds, and if I could get a loan, not sure if I want to send another dime, since everyone I talk to thins this is a scam. And I keep her thinking I have more money so I can maintain contact if anyone really can trace/locate the source.This has been going on since XX/XX/XXXX and my last contact was today.Rigth now, XXXX  ( fake or mirror site ) is holding my funds threatening to freeze them for one to three years/ https : www.coinegg.vip ( this is the website ) XXXX XXXX is her numbers ( if real ) NOW CHANGED TO XXXX and XXXX XXXX XXXX XXXX Please assist. This is an illegal scam, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I HAVE CONTACTED FBI, SEC, LOCAL POLICE, AARP AND OTHERS. 
I am still in daily contact with the scammer daily and she tries to get me to pay the takes or else.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Macys credit said that they will send me a letter in XXXX business days for my records the letter was to state that I have been removed from their company as an authorized user as per my request since XX/XX/XXXX they stated to me that I am no longer an authorized user since XX/XX/XXXX my mother is the account holder and she had to make several requests for them at that time to get me removed initially I was informed again in XX/XX/XXXX while I was working with a veterans mortgage servicing company that Macys was still appearing on my credit reports as an open account although they tell me on the phone that I am no longer an authorized user since XX/XX/XXXX I would like for them to report the correct information to the credit agencies they have been reporting false information for 12 months and me and my mother who is the account holder have called them over XXXX times now they keep saying that a letter will be sent to us stating that the problem is corrected and no letter ever appears they also state that the credit agencies have been informed to remove me as an authorized user since XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report, and I noticed that I had two late payments on my account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability and maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside of this complaint and on dates ( XX/XX/ and XXXX  ). Please investigate and provide proof with a statement showing that these late payments were late. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you very much. Please see the screenshot attached
Product: Payday loan, title loan, personal loan, or advance loan

I had taken out the loan for getting my debt cleaned up and also for things to maintain around my home. this loan opened XXXX and didn't realize additional fees were contingent to completing the loan. then over time i was behind on my loan and tried to work with One Main on this. I did not get assistance from them, but loan was given to an Atty and before going to court to be sued, i had to work out a payment plan to them. 

I know One Main is currently in a class action suit or becoming to be in one. due to this, and one main less then legitimist practices, i want to have one main pay off my loan obligation to the Atty and remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX has accounts on my credit report that they refuse to remove or delete. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My monthly payment amount changed on at least two separate occasions, one of which I was not sent prior notification of the change. I was sent correspondence on XXXX/XXXX/XXXX that notified me that my new monthly payment increased to {$1100.00} after review of my loans. I made the aforementioned payment for the month of XXXX XXXX. However, I recently reviewed my loan status and the new monthly payment was now {$1200.00} which is due in XXXX XXXX. I was not sent prior notification of the new monthly payment amount. I contacted the loan servicer and was informed that they will send it to their account department for review. This is not the first time that a change in my monthly payment has occurred without prior notification. Another incident like this occurred last XXXX XXXX and there was no change in interest rates nor do I have any delinquent loans. I currently have an extended repayment plan which should not have variability in payment amounts unless changes were made, which I did not make any changes in XXXX and there were no interest rate changes in any of my loans. I am very concerned about these sudden changes in loan payment amounts without adequate explanation by Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I had a chance to review my credit report and noticed one missed/late payment for NISSAN MOTOR ACCEPTANCE in XX/XX/2017. I advised the company that this missed payment is an error due to an auto-bill issue. It is stated on my credit report that the bill was late, later than 30 days which is incorrect. Every payment before and after XX/XX/2017 has been paid on time. All payments on my credit report states 100 % on time payments. Nissan also didn't provide proof of the missed payment. The missed payment on my credit report is hindering me from obtaining credit and has to be resolved as soon as possible. I have had a great experience with the company and plan to acquire a loan again in the future, just wish this was handled better. 

Warmly, XXXX XXXX
Product: Mortgage

I am submitting an explanation with details on my various attempts to communicate with DOXO on their practices, policies and procedures. They have only provided the most basic information without any proof that there werent enough funds in my financial institution. They also allege that they intended to communicate with me via email and phone, but they have no records of anything. They do not have any policies established on handling issues dealing with insufficient funds. Please see attached my various attempts to communicate with DOXO, the response from XXXX XXXX XXXX XXXX XXXX XXXX regarding their extensive research during the month of XX/XX/year>, a copy of their Overdraft Protection Policy, and a copy of my XXXX XXXX Bank Statement which shows there were more than enough funds to cover their transaction. 

Please see attachments.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account belongs to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Debt collection

I have asked Midland to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

Capital one is not reporting accurate information to the consumer reporting agencies. see attachment below.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Credit Reporting by XXXX XXXX XXXX : To Whom It May Concern, I am writing to formally dispute the reporting of an account from XXXX XXXX XXXX on my credit reports with Equifax, XXXX, and XXXX. Upon reviewing my credit reports, I discovered that the same account is being reported inconsistently across the XXXX bureaus, with major discrepancies that violate the Fair Credit Reporting Act ( FCRA ). 

Account Overview : Account Name : XXXX XXXX XXXX ( Revolving Account ) Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Responsibility : Individual Account Credit Limit : {$500.00} ( Equifax XXXX XXXX ), {$250.00} ( XXXX ) Discrepancies Between Credit Bureaus : XXXX : Payment Status : Account paid satisfactorily with no late payments reported. 
Closed Date : XX/XX/XXXX. 
XXXX XXXX : {$290.00}. 
Account Details : No derogatory events reported. 
Equifax and XXXX : Late Payment Reporting After Account Closure : Equifax reports the following late payments : XXXX days late in XX/XX/XXXX XXXX days late inXX/XX/XXXX XXXX  days late in XX/XX/XXXX XXXX reports a XXXX late payment in XX/XX/XXXX. 
These late payments are erroneous because they occurred after the account was closed in XX/XX/XXXX, which is confirmed by XXXX. No closed account should have late payments, and this is a violation of FCRA accuracy requirements. 
Incorrect Last Activity Reporting : XXXX reports the last activity as XX/XX/XXXX, more than a year after the account was closed, which is also inaccurate. 
Requested Resolution : I request the following actions be taken : Immediate removal of all derogatory marks associated with this account from my credit reports with Equifax and XXXX, as these late payment reports are false. 
Correction of the late payment history on Equifax and XXXX to reflect the accurate reporting provided by XXXX, which shows no delinquencies and that the account was paid satisfactorily. 
Verification of the accounts details across all bureaus to ensure consistency, particularly with the accounts closure date, payment status, and last activity. 
This dispute is being submitted in accordance with the FCRA, and I expect these issues to be resolved within the XXXX investigation period mandated by law. If these errors are not corrected or verified, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory bodies. 

I have enclosed copies of my credit reports from Equifax, XXXX, and XXXX, highlighting the discrepancies. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation once the corrections have been made.