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

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXXXXXX  PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME : ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

I purchased a home in XXXX with a VA loan through a company known as XXXX. The loan servicing company was Lakeview Loan Servicing. About 9 months into the loan ( XX/XX/XXXX ) we were contacted by Lakeview about a rate reduction refinance. As part of this offer they gave ; 2 months deferred payment, lower interest rate, reduced payment by {$700.00} per month, The payment to XXXX was approx {$2800.00}, this was reduced to {$2100.00}. 

It seemed like a legit offer. About 4 months after we agreed ( XX/XX/XXXX ) I received a notice from the county tax office that property taxes were due. This was part of our original loan agreement with XXXX. 
Lakeview was notified and the taxes were taken care of in XXXX. I have now received notice from Lakeview that the escrow is short {$5500.00}. They are effectively now trying to recover XXXX taxes and XXXX taxes. These funds should have been paid through the original loan agreement. 
Now they are trying to increase my monthly payment {$770.00} per month. We can not afford to take this additional cost. I believe they made a predatory loan offer knowing that they could not offer a better deal on the XXXX loan so they intentionally mislead the offer to make it sound better. 
I was unemployed for 7 months in XXXX and just now returned to work at a much less of a salary. We have been able to pay the agreed upon loan at {$2100.00} but can not afford to that much of an increase. 

The amount actually given to principle is only {$500.00} per month, it is ridiculous that they collect that much and can not pay the taxes and insurance and still make a substantial profit over the course of the loan. 
I need help to make this right.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( XXXX ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

A visa account with citi was open via Costco without my authorization. Further when I attempted to cancel it over two consecutive months a charge was made without my authorization which I was told would be reversed. Over five months into the process, not only it was n't reversed but also interests has been accumulating. This neglect by citi visa will negatively effect my credit score ... Please assist me with the process of correcting it.
Product: Credit reporting or other personal consumer reports

I am formally disputing the account XXXX XXXX Acct # XXXX. As mandated by the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1629g, you are legally required to verify this debt. Failure to provide proper verification will result in a violation of federal and state regulations governing debt collection practices.

Under the FDCPA, your verification must include the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A detailed breakdown of the total amount due, including principal, interest, and any additional charges ; Documentation for each charge, including the date and basis for each charge.

I dispute this debt for the following reasons : [ Insert reason ( s ) for dispute ].

Given this dispute, you are legally obligated not to report this debt to any credit reporting agencies. If this debt has already been reported, you must immediately notify the credit reporting agencies that the debt is disputed and remove the tradeline from my credit report. Reporting information you know to be inaccurate, or failing to correct such information, constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Furthermore, except for providing verification of this debt, you are required by law to cease all communication with me regarding this matter. Any attempt to contact me in violation of this request will be treated as a breach of your legal obligations under the FDCPA. 

This matter demands your immediate attention. I expect full compliance with all legal requirements without delay. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

This is another medical bill for {$20.00} that is wrongly on my report because I have full coverage and have paid all co- pays in office. There is no information on my Equifax report pertaining to the creditors or account information and it was removed from XXXX for these reasons.
Product: Credit reporting or other personal consumer reports

*COMPLAINT FOR NO RESPONSE IN 30-DAYS REQUIRED UNDER FCRA LAW Subject : Complaint against Equifax for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against Equifax regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to respond to my request for validation of incorrect information on my credit report within the mandated time frame. 

On XXXX XXXX, XXXX, I sent a letter to Equifax via certified mail, requesting them to validate the inaccuracies being reported on my credit. According to the FCRA, the credit reporting agency is required to respond to my request within 30 days. However, I have not received any response from Equifax, despite the certified mail receipts clearly indicating that they received my letter. 

This failure to respond within the specified timeframe constitutes a violation of the FCRA by Equifax. As a consumer, I have the right to receive timely and accurate information from credit reporting agencies, as outlined in Sections 611 ( a ) and 611 ( a ) ( 1 ) ( A ) of the FCRA. 

I am now requesting the assistance of the Consumer Financial Protection Bureau in investigating this matter and taking appropriate action against Equifax. The failure to respond undermines my rights as a consumer and hinders my ability to rectify the inaccuracies on my credit report. 

I kindly request that the Consumer Financial Protection Bureau intervene to ensure that Equifax complies with the FCRA and promptly provides me with the requested validation of inaccurate information. Furthermore, I ask that Equifax be instructed to remove the incorrect account from my credit report, as mandated by the FCRA due to their failure to respond within the required timeframe. 

Enclosed with this letter, you will find copies of the certified mail receipts as proof of Equifax 's receipt of my request for validation. If any additional documentation or information is necessary to proceed with the investigation, please let me know, and I will provide it promptly. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently address this violation by Equifax and ensure that my rights as a consumer are upheld. 

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

I have been disputing this account every month since May. The different items I have disputed are, openng and closing the account, no date of last activity, activity after charge off, reporting a past due balance on a closed accoiunt, incorrect payment history, reporting 90 days late 61 times, reporting a past due amount on a charged off acount, removing the c/o and replacing it with late payments and removing payments after dispute. reporting dispute resolved when it is not. Refusing to update account after multiple disputes, everytime I file a dispute to correct information furnished to CRA, they add or delete something to furthur cause harm to my credit report. The latest was to change the account closed date from XXXX to XXXX with the last payment made in XXXX. 

Equifax, XXXX and XXXX all say that they are aware that the data being furnished is factually inacurate and changes each month but state that they are required to report what is furnished to them and can not correct, block or remove unless XXXX XXXX tells them to, so they update the account each month with more inaccurate data than the month previous.
Product: Debt collection

The Company name is Southwest Credit Group. The number they show on my caller ID that i keep calling is XXXX. They appear to be using third party applications to make calls and do not state who they are when they call or when I call them. My phone marks them as spam but I have attempted to call them back at least XXXX XXXX. XXXX XXXX XXXX XXXX times after the call is places it just makes a noise and doesn't go anywhere or connect. XXXX XXXX XXXX XXXX times an AI agent seems to answer and just asks me why I am calling. When I respond and say " because you called me '' the phone continues to make the same weird noise and never connects. I have waited for XXXX seconds to see if the call will place me with someone that can let me know why they are calling, and they never do. This is very unfair as I'm currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX and am current with all of that with no issues. Their calling with no defined reasons and they have never left me any voicemails at all defining why they are calling or any regard to their situations of who they are and what they need from me or my family.
Product: Debt collection

I moved out of my apartment XX/XX/XXXX Bought out my lease. XXXX went thru- gave me final amount for buyout, got money order, paid and signed off! 
XX/XX/XXXX - a collection impacts my credit report for {$400.00} from the apartments I moved out of in XXXX XX/XX/XXXX - called collections and asked why they never mailed me my letter and why the apartments never contacted me, and also told them I owe nothing. I asked to get a letter mailed to me or electronically sent, and the collections said they sent my letter to an address Ive never heard of. The apartment complex denies me owing and my XXXX XXXX went down XXXX points They now call me XXXX or more times a day starting at XXXX am sometimes. 

Its harassment and I dont even know what its for
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was used to open accounts that i never open
Product: Debt collection

I was recently denied credit because DCI is reporting several accounts that are either a result of identity theft or mistaken identity. Explained that I had a XXXX wireless account years ago and it was paid in full spoke to several reps who said they could n't not help me that I had to dispute it with original creditor. They gave me the contact number and the original accounts numbers. Spoke to several reps, XXXX could n't locate the accounts and the other XXXX said that the accounts go back to XXXX not XXXX and that I had to dispute it with the collection agency. I wasted an hour trying to correct a serious mistake on my credit report and got nowhere and dealt with rude and careless individuals who was n't trying to assist me in getting this corrected. I 've suffered damages because of these accounts and I have disputed them with the credit bureaus as well but they continue to verify the debt when in fact they are not mine and neither party could validate such. They continue to shuffle me back and forth and neither company has resolved the matter.
Product: Checking or savings account

I am having Ally checking account since XXXX. I had used XXXX, XXXX XXXX and XXXX to transfer the money out of Ally bank account. On XXXX XX/XX/XXXX, I initiated {$5000.00} via XXXX. XXXX is instant money transfer from my ally checking account to my XXXX XXXX XXXX XXXXXXXX XXXX Texas ) Checking account. Chatted with Ally but I was told that it might take around 3-4 business days for this money to be transferred. 
When I initiate transfer via XXXX from XXXX XXXX XXXX XXXX XXXX Texas ) Checking account to Ally bank account-it 's done within a day. 
I have no idea why XXXX will take 3-4 business days when initiated from Ally bank account to external bank account. In the past, it will take few minutes for XXXX transfer from ally bank to external bank account or other person ( having account outside of Ally bank ). Ally bank is just getting worse day by day.
Product: Checking or savings account

XXXX night. I deposited {$1200.00} dollars cash at TD bank ATM which located at XXXX XXXX XXXX XXXX XXXX VA XXXX. I deposited the money separately, first time was {$250.00}, and the transaction was successful, but at the second time I deposit {$1000.00}, the ATM machine pop out error said " This ATM is experiencing a technical problem and is unable to return XXXX or more deposit items " it asked me to enter the total amount of the last time inserted, so I entered {$1000.00} and ATM printed out XXXX pieces of receipts, I took them and went back home XXXX -- I went to the branch which the ATM located at, and told the whole things about what happened last night, the staff who is working here checked my account and told me that they already gave the {$1000.00} back to me as a credit. 
XX/XX/XXXX -- I found TD bank took {$730.00} from my account without any notice, I went back to the branch and they told me this is from my {$1000.00} credit, means they didn't recognize my {$1000.00} credit, and took XXXX of XXXX back. I didn't accept this result, so the store manager said he will send email to company to help me solve this problem and asked me to wait for several days. 
XX/XX/XXXX -- XXXX week pasted XXXX went back to branch to see if they have any results. manager 's answer was NO XX/XX/XXXX -- -I went to branch again, the manager still could not give me any results, and asked me called the number behind the debit card for further help. then I called the number and explained the whole things to them, after XXXX taking with them on the phone they told me the money will be back to my account XXXX -- - & XXXX was back to my account as a credit XX/XX/XXXX -- - They took the & XXXX back again XX/XX/XXXX -- I called them again and they said they need XXXX to figure it out and ask me to wait, promised me the money will go back to my account. 
XXXX -- - XXXX weeks pasted. The money is still not back. so I called back and they told me after their research they decide not to give my money back to me. 

3 months pasted since my money took by the ATM, because I don't speak XXXX I need pay more time to explain the things with them every time XXXX don't why they couldn't just open the ATM machine and check it out when the issue happened and they will see my money was stuck in their machine, I don't know why them couldn't check the camera and they will know how much money I deposit in the ATM .Every time I contact them they will let me wait at least XXXX week for the result, and don't give me any answer unless I call them back.
Product: Vehicle loan or lease

I purchased a new truck on XX/XX/2017. The truck was in XXXX XXXX, MO. I live in XXXX XXXXXXXX. All transactions where completed with documents sent back and forth via XXXX. The dealer purchased my trade-in sight unseen. Once I had signed the contract the dealer didn't like the final results and there was conflict. The dealer didn't want my trade-in once he saw it. The dealer quit communicating with me. 

Apparently a loan payment was missed. Once I was aware that a payment had been missed. I set up automatic payments online and all payments have been made as agreed to. 

I asked GM Financial to remove the late payment from my credit report due to the conflict with the dealership and the lack of communication. GM Financial has refused. I believe that GM Financial is acting in an unreasonable manner and I request that the late payment be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Remove this Account because the payment history reflects continued reporting a charge off after this Account was closed in XX/XX/2019. 

XXXX XXXX  XXXX That is an improper use of my crdit report