23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently closing on my refinance with Carrington Mortgage on XX/XX/2021. Due to ongoing issues with XXXX XXXX company I excercised my right to shop for a title company. However, was denied twice by the loan officer/ Carrington . Due to my personal hardship I feel I was forced to use a title company that was not working in my best interest. I closed on my loan XX/XX/2021, my three day waiting period was extented to six days b/c they lost my quick claim deed. I spoke with XXXX XXXX at Carrington Mortgage service and my desired outcome was to refund my title fees since I was denied the right to shop for the services and was told no since I closed on my loan his V.P would not grant my request.
Product: Credit reporting or other personal consumer reports

These hard inquiries I do not recognize or have not been authorized by me. 

XXXX XXXX XXXX XXXX XXXX, XX/XX/23, XX/XX/23, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addressed this with the loan officer, XXXX, because I am currently trying to buy a car and she literally told me that " it's not my job. '' How is that for customer service?? They have me down as having two loans at the same time with one being late and won't do anything to help me. It'd affecting my ability to buy a car.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered XXXX XXXX. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Student loan

Navient continues adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their updates are detrimental to the process. For one, after being in forbearance and for the second time i consolidated four loans into one. I was told that the existing two accounts that were closed on XX/XX/XXXX and XX/XX/XXXX would be deleted from all credit bureaus. As soon as I consolidated by phone five loans were visible on my credit reports..PLEASE REMOVE ALL LOANS older than 7 years off my credit report, as that is more than the SOL for my state. I need this REMOVED ASAP as Navient is doing illegal collecting and credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have contacted all 3 credit companies and the department of education about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  acct # XXXX is inaccurately / inconsistently reporting data on my consumer reports. This is negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. I want these damages to END!!! 

Inaccurate/inconsistent on XXXX and XXXX and TRANSUNION. 
The statuses on all 3 reports do not align. The account was closed ( NOT CANCELED ), and was paid AS AGREED UPON.

The balance update dates are inconsistent on all 3 agency reportings.

Further, the payment histories are collectively misrepresented in their reporting, and also negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. The account is CLOSED therefore NOTHING is late WHATSOEVER. 

I have attached screen shots of all the discrepancies, circled. 

15 USC 1681e states : ( b ) Accuracy of report 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 about whom the report relates.

15 USC 1681i states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681n states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

PLEASE UPDATE ALL STATUSES TO PAID AS AGREED AND CLOSED. 
PLEASE *** DELETE *** PAYMENT HISTORIES.
Product: Credit reporting or other personal consumer reports

Spoke with a customer service representative for Affirm to pay off account with agreement that it would be cleared and removed from reporting to credit bureaus. Customer service agent confirmed it would be deleted and no longer reported as of paid off amount completed XX/XX/year>. It has remained on my report and company refuses to follow through with agreement per the recorded conversation. Remove Affirm immediately for violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

Recently, I moved from XXXX XXXX, CA to XXXX, CA, to follow my Wife for her XXXX program, and as such had to cancel my XXXX  internet service. This was early XXXX of of last year. They said I was due to be charged one final time on XX/XX/XXXX, through XXXX. I was charged successfully. It was my understanding my account was settled. 

However, a few months later I suddenly realized that there was a collection for {$120.00} on my credit report. After digging, I realized this was due to unreturned equipment. 

I had not been given any email notification, text notification, nor letter of any kind. No communication at all to inform me of my balance being due. I would have gladly paid immediately, or returned the equipment, if I had been reached out to. 

My address had changed ( as I had informed XXXX  several times due to me moving out of their service area ). XXXX knew this, and yet did not make any good faith attempts to reach out to me despite knowing that the address starting with XXXX was no longer my mailing address. I even had USPS mail forwarding setup, and never received a letter from them. There was no way for me to resolve this when I gladly would have, had I known about it. 

They moved straight to reporting a debt on my credit. I have since returned the equipment successfully to them ( documents attached below ), after talking with a XXXX agent over the phone and confirming I still could, however, there is now still a {$120.00} blemish on my report, despite my equipment being returned. I am looking to buy my first home and this is really making me struggle to qualify, as it dropped my credit score from XXXX down to XXXX. 

Please, if anyone is reading this, I need help. I want to make things right with XXXX, but I feel cheated, as I was never even offered a chance to settle things correctly, nor given notice or opportunity to pay them what they were due, in lieu of returning the internet equipment.
Product: Credit card or prepaid card

On XX/XX/XXXX I dispute it XX/XX/XXXX I disputed. And they still didnt fix it. 
I filed bankruptcy on XX/XX/XXXX. Kohls is still saying that my account is open and it was closed XX/XX/XXXX. They running my credit like that Im still using the card. And they giving me bad scores. My score was XXXX. And every month theyre reporting it as late payment. And it was included in the bankruptcy. I dont understand why they still making is still active as of XXXX I never activate nothing else
Product: Prepaid card

I purchased XXXX google play gift cards at XXXX reputable stores in XXXX XXXX. After sending them numerous documentation, they told me to contact my bank. I contacted and of course they told me they have nothing with google play gift cards. My old email address was XXXX and XXXX both at XXXX. Mu new email address is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Checking or savings account

So my td bank was supposedly supposed to be closed XXXX  months later nothing and I havent seen or have had any luck with my money that was in that account Im tired of going back and fourth to the branch and having to call them on the phone
Product: Credit card

There is a charge I did not recognize on my account. I have reported this to my financial institution, Chase, and was denied with the reason that I approved the charge at the time of the transaction. However, my wife and I do not remember having a conversation with Chase about this charge, yet, when we noticed the charge, we did speak with each other about finding it odd that Chase did NOT call immediately before allowing a charge like this to post to our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charge 's on my credit which has been breached XXXX student loans over charge and wrong charge 's due to school closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX Account number XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Items reporting inaccurately. 
XXXX XXXX  account paid as agreed XXXX XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX  exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX exceed XXXX XXXX XXXX exceed 7 XXXX account exceed XXXX XXXX  XXXX  exceed XXXX
Product: Credit card

My credit card was stolen a few weeks ago. I called Chase to alert them and issue a new card. Since I've been traveling I had the new card locked and frozen so no charges can be applied to the new or old card. 

However, I was notified of an unauthorized transaction of {$500.00} on my card today, XX/XX/year> from XXXX * XXXX. 

I have disputed the transaction as fraudulent.
Product: Credit reporting

ATTN : Legal Department my report number XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is the derogatory nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : this filing has missing data and is not accurate please delete. 
2.XXXX XXXX ACC : XXXX : This account is listed wrong and error please delete. 
3. XXXX XXXX ACC:XXXX : THis account is not list propley error please delete. 
4. XXXX : ACC XXXX : This account was discharged and listed improperly please delete. 

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.
Product: Credit card

I need this company to validate the debt that they are saying I owe which is XXXX, please remove from all 3 credit bureaus in 30 days if you cant prove I owe you this money.
Product: Debt collection

THIS DEBT WAS PUT ON MY CREDIT FILE ... I DONT KNOW HOW IT GOT THERE
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



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  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

Hello, I have been told by Prosper Card ( Prosper Marketplace Inc. ) that my account was paid off and that I had a XXXX balance three separate times ( which I have email proof of from a supervisor ). This is even after I closed the account on XXXX XXXX XXXX, yet they continue to charge fees internally, of late fees and interest ( " Merchant '' ), despite my last purchase being charged to the card XXXX of XXXX, well before my account was settled and closed, and making all of my payments on time. I have proof of all of these. 
However, once I made a payment of {$830.00} on XX/XX/XXXX bringing my card to a XXXX balance ( it shows up in their system that the payment processed on XXXX XXXX ). An auto payment amount of {$31.00} also came out on the XXXX of XXXX. That was not taken out of my bank account until the XXXX of XXXX, the same day my payment of the full remaining balance on my card was processed by prosper. However, I made the payment before the due date. So now I'm out {$31.00}. I call prosper to get the payment reversed, but they inform me they can not do so. So I call my bank and get it disputed, and my bank refunds me. Then Prosper decides to put a late fee onto my account of {$29.00} for not receiving the auto payment, despite already receiving my full amount of {$830.00} -- the balance owed. Again, the full amount of my credit card balance was paid off in FULL at this point, but they not only assessed a late fee, but also tell me I STILL owe the {$31.00} auto payment amount ( that my bank refunded me because I didn't owe it ) DESPITE me paying off the full amount on my Prosper credit card prior to all of this happening. 
Finally, a supervisor tells us we may settle the account, if we pay {$31.00} that day. Even though they still charged my over what I owed, and am owed for the late fee of {$29.00} and for the auto payment amount of {$31.00}. He sends us an email on XX/XX/XXXX to confirm that my account has been closed. We pay the amount and pray that it is settled. It isn't. They have now tacked on another late fee of {$29.00}. We call again, and after many hours of arguing on the phone, they finally decide to remove the {$29.00} late fee. The late fee is removed on XX/XX/XXXX. However, now another late fee is being accrued due to that previous late fee ( that was reversed ) and somehow now an additional balance of {$30.00} ( which came out of nowhere despite the account being closed ). So now I am over {$90.00} in the negative and being punished for paying off my credit card on time, in full. 
I have no idea how the Prosper system messed this up, but as the customer, it is not my responsibility to understand their system. I paid my card off in full, and then another amount of {$31.00} came out which I got back with my bank. Then prosper charged it to my card again when I didn't even owe it in the first place. Between all of the theft and unprofessional business practices, I can not even begin to understand how this company is still in business. Any assistance in this matter would be appreciated. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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