23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The credit report listed an item : XXXX Serious delinquency. When I contacted consumer finance, the agent said that XXXX XXXX XXXX reported I was delinquent on several credit card payments. I contacted XXXX XXXX XXXX and they said that they only had a checking and savings account under my name on file. Both of these accounts were closed years ago and they do not have record of me having a credit card with them. They said they could check archives, but because all of my accounts are now closed, they should not be reported as delinquent in any credit reports.
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 davs and vou are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items IMMEDIATELY!
Product: Credit card or prepaid card

I had a purchase that was 18 months no interest equal payments. I paid a LARGE portion of the amount off in XXXX. I called after making the payment and asked for a reduction in the minimum payment amount. The lady I spoke with told me they could adjust and it would take up to three billing cycles. I called today and I spoke with three different people. NONE OF THEM spoke english. One lady could barely understand me because her dog was barking in the background. Finally I got to a supervisor who basically told me they would not adjust it. His name ( XXXX XXXX told me that its equal payments for 18 months. I said I realize that but at the rate of payment it would be paid off in 5 months leaving almost 10 months where there would be no payment because it would be paid off. I have indicated to them that the minimum payment as is ( which is still calculated over the original total and not adjusting for the large amount ) more than I can afford right now. I have asked for the payment to be adjusted. They have refused. I then asked for the promotion to be ended and I will pay the interest. They have refused. I just need the minimum payment lowered. Please help me.
Product: Mortgage

Our mortgage is with Mid-Island Mortgage Corp . 
On XX/XX/19 we received our Annual Escrow Account Disclosure Statement. 
The XXXX taxes had a RELEVY-PRORATA due to the purchase of the home and the four month balance of taxes because the prior owner had exemptions. Which added up to {$4800.00}. Increasing our taxes from {$14000.00} to {$19000.00} for the XXXX tax year. Which was paid. This is a one-time charge to cover the relevy. 
After talking with the Accessor office for Mid-Island Mortgage they asked for me to obtain a letter from the town showing the Taxes being paid and that it was a one-time charge. The Town Of  XXXX sent a letter showing the amount, the taxes paid and stating it was a one-time charge. The mortgage company received the letter on XX/XX/XXXX at XXXX. Receipt reference # XXXX. 
On XX/XX/19 we called the mortgage company asking for a revised bill with the correct amount and they informed us that they will not make an adjustment because there system shows the taxes are {$19000.00}. Unfortunately common sense is not that common. They believe the taxes were raised {$4800.00} in a year and there is no thought of the exact amount of the increase is the same as the one-time RELEVY-PRORATA. 
We asked if we can make the correct payment on the mortgage till they figure it out and send a correct statement. They told us no and if we do, the funds would be returned and they will report it and cause our credit to be affected. 
We have reached out direct to the Mortgage provider and they tell us they cant do anything because we are dealing with their process center. Which makes no sense since they hold the mortgage and we are still the customer.
Product: Debt collection

I contacted XXXX XXXX first I put my last 4 of my acct in collections in and got connected to ARS. I told them could we agree on a price and get my acct PAID TO DELETE on my acct. They then told me that they do not report to the Bureaus, XXXX XXXX does so I would have to call them and they gave me the number. I then called, XXXX XXXX back, spoke with the 1st rep which said they would help then connected to the second rep in collections and I requested what I told the rep with ARS a Pay to Delete settlement. Well they said they will report Settled debt but do not honor PAY TO DELETE. Now I know they can do it but they are giving me a hard time.
Product: Credit card or prepaid card

RE : Comenity Bank payment options. 

I have a " COMENITY - fullbeauty '' card that I use intermittently. My XX/XX/XXXX statement showed a balance of {$140.00}. I scheduled to pay it in full, electronically, on the due date, XX/XX/XXXX. As of that date, I didn't owe anything on this account. I receive e-statements, but didn't pay attention if/when I got one in XXXX, because I knew the account was paid in full. I happened to check the account today and saw a balance for interest charged on XX/XX/XXXX of {$2.00}. I immediately went online to pay it, but decided to call Comenity to ask how/why I was charged interest on a {$0.00} balance. I wanted to dispute both the interest and any possible late fee. 

Apparently, last XXXX, Comenity sent an update in terms that instructs account holders to select their online payment method differently if they are paying off the account in full. If you chose the wrong method, it breaks the payment up. You have to choose the " Save on Interest '' option. So, it sounds like I selected the " wrong '' method, my payment was only partially applied, and they charged interest on the other half of the balance, even though I had already paid it. I guess I would be OK with it if their system auto-corrected it, but it doesn't. Without a phone call, I would have had the {$2.00} interest charge plus another {$41.00} late fee owed, on a {$0.00} balance. The rep I spoke with was very nice, and spoke impeccable English, but her accent made it difficult to understand, so I am not 100 % I know what she was telling me. It feels wrong, or at least fishy. If I hadn't called and argued, I would have owed > {$40.00} for not following their weird and arbitrary rules that I didn't know about, and still don't understand. If thousands of account holders just let it go, that's a lot of fees. I don't understand why they would do this other than to trap unsuspecting customers. I'm sure they sent the terms, but I couldn't follow what the rep was telling me, so I doubt I would understand the notice they sent. Oddly, I can not find the terms letter they allegedly sent, even though I have Comenity accounts for at least 5 different stores. 

Thought someone there should know. It just doesn't seem right...
Product: Credit card

On XXXX XXXX, 2014 I went to a XXXX club in XXXX XXXX named XXXX. I do not remember most of the evening and believe I was drugged. My debit card and XXXX XXXX flagged transactions as suspicious from the establishment but American Express accepted {$9300.00} in charges from XXXX that evening. My monthly closing date for the month was XXXX XXXX and my statement showed a balance of {$30000.00} for a card with a credit limit of {$21000.00}. 

I contacted AMEX and disputed the charges and filed a police report online with the XXXX XXXX Police Dept. A coworker was with me that evening and says he pulled me out before most of the charges were applied to my card and timestamped e-mails from the night support this claim. XXXX AMEX says the establishment sent evidence that I am responsible for the charges but they refuse to send that to me. I asked for itemized details of what I was charged for and this was not provided. I was only given some, not all, of the receipts requested from the night in question. AMEX told me they would do nothing else until they receive a copy of a police report but no action appears to have been taken by the police from the police report I filed. I wrote them in writing to inform them of the dispute within the 60 day limit and again after their response within 10 days indicating I was refusing to pay as detailed in the membership agreement. 

I am suspicious that AMEX may be violating the law by permitting an unreasonably excessive amount of charges over my credit limit ( my limit was lowered from {$25000.00} to {$21000.00} a year or two before this incident ), by not providing evidence that I could have agreed of the transactions or any details as to what those transactions could have corresponded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Credit Reporting ( 15 USC 1681s2 ) I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 
Account Number : XXXX is reporting a past due amount of XXXX DOLLARS when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX DOLLARS on my consumer file. This is beyond foolish. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. I'll be taking this as willful non-compliance by you the furnisher, and pure negligence against me the consumer as you are NOT following reasonable means to assure the maximum accuracy of information in my consumer file. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Compliance Department XXXX XXXX XXXX [ Addresses of XXXX, XXXX, and XXXX ] Re : Dispute of Account Information Pursuant to Fair Debt Collection Practices Act ( 15 USC 1692c ) To Whom It May Concern, I am writing to dispute the accuracy of information regarding an account with CREDIT COLLECTION SERVICES, as reported by your agency. This dispute is made under the provisions of the Fair Debt Collection Practices Act ( 15 USC 1692c ). 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report from [ XXXX ] and found inaccurate information regarding my account with CREDIT COLLECTION SERVICES. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
I am requesting a thorough investigation into this matter in accordance with my rights under the Fair Debt Collection Practices Act. Please investigate this dispute and correct any inaccurate information in my credit report. Additionally, I request that you notify me in writing of the results of your investigation and provide a corrected copy of my credit report. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents substantiate my claim and demonstrate the accuracy of my account information. 
Furthermore, please ensure that any corrected information is provided to all credit reporting agencies that have received this inaccurate information. 
Please acknowledge receipt of this dispute within XXXX  days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently opened or made due to the breach, and I request that they be permanently removed. 
Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$8.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Bank account or service

Me and my husband open a Wells Fargo account on XXXX/XXXX/2016. The first couple of days was fine until XXXX/XXXX/2016 I got a call from the fraud department saying that my account was flagged for suspicious activity. Someone got access to my online account and change my personal information around. I had to verify it was not me and to give them the correct info and everything was fine. The next day I tried to use my card in the store and it was declined. I called Wells Fargo and they told me that my account was on hold and schedule to be closed on the XXXX of XXXX. I said " why '' and they told me of XXXX checks for {$2500.00} that was deposited into my saving account was fraudulent and was return. I explained to them " what checks? '' what are you talking about? They proceeded to tell me they spoke with a man over the phone about my account information and the fact that my account be closing and the man told her that he was my husband. I assured her it was not my husband so she told me to verify my address and phone number, I did and she told me it was not correct!!! She told me to file a fraud report but it wo n't help because my account is closed and debit card is closed as well. i would have to wait 2-4 weeks for my cashiers check to come. I told her it is going to go to the wrong address because the address is not mines!!!! She said she was sorry but it was nothing she could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please correct and update.
Product: Checking or savings account

I was in XXXX  from XX/XX/2021 to middle of XX/XX/2021 and there was charges on my account that I didnt make I sent them a copy of my XXXX from police department so money from those dates should be put back into my account
Product: Student loan

My loan is with Navient ( XXXX XXXX ). The disbursement date was XXXX/XXXX/XXXX and the original loan amount was {$8200.00}. Since the first payment on XXXX/XXXX/XXXX, {$11000.00} has been paid on this loan and {$9200.00} has gone towards interest. This company has reported negitively to the credit bureaus untrue information, harrassed me via phone and email, lied about not receiving payments even after they received proof. The account is 5 months past due and I have made every effort to rectify the situation but they are unwilling to work with me. Ideally, I would like to settle but for a way less amount. I called Navient on XXXX XXXX, XXXX to make an offer of {$1000.00} and they countered with {$9000.00}. This is not something I can afford. Please help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information on my ChexSystems file, specifically the entry provided by XXXX XXXX XXXX XXXX ( source of information ). This dispute concerns the account marked for Account Abuse, which ChexSystems has verified as accurate per their recent communication dated [ XX/XX/year> ]. I assert that the process used to verify the information does not satisfy the requirements set forth by the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that all disputed information must be verifiable through a reasonable investigation. 

I am requesting that ChexSystems provide the following information to substantiate their verification of the disputed account entry : Provide documentation or a detailed description of the method used to verify the accuracy and completeness of the information reported by XXXX XXXX XXXX XXXX, including how the alleged account abuse was validated. 

Please provide copies of any supporting documents or communications obtained from XXXX XXXX XXXX XXXX, confirming that the information they provided is accurate and complete, especially in relation to the alleged account abuse. 

A clear explanation of how the investigation was conducted by ChexSystems to ensure the accuracy of the disputed entry, and why it was determined to be accurate without any errors or omissions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an auto loan with XXXX XXXX XXXX XXXX. AND IF I DONT HAVE AN AUTO LOAN WITH THIS COMPANY THAT MEANS I WAS NEVER GIVEN OPT OUT NON DISCLOSURE FORMS! According to 15 USC 6802 - Obligations with respect to disclosures of personal information in paragraph ( b ) a financial institution may not disclose nonpublic personal information to non affiliated third party unless ; ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX continue to report this debt to the credit reporting agencies causing damage to my character and my reputation. ANOTHER violation to 15 USC 1681a ( 2 ) Exclusions ( i ) which clearly states " report containing information solely as to transactions or experiences between the consumer and the person making the report '' and I've never given this " person '' my authorization to share any transactions or experiences.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRY 'S ON MY CREDIT REPORT
Product: Credit reporting

On XXXX XXXX, 2015 I went to XXXX to apply for a car loan. My credit score had been XXXX last year this time. I have paid all my bills XXXX TIME and Trans union reported my credit score as XXXX to XXXX. and XXXX to XXXX XXXX the same day. When I called Trans Union, the representative indicated that there is a module by which each person gets the score, which seems subjective to me. The representative also indicated that there is a letter score which is accompanied by the number score which I never received ever. I find it very offensive that they would not definativly explain the specifics and were ambiguous in their response. They can be giving erroneous unsubstantiated information and one can not dispute it because the information is coded. Please have Trans Union answer specifically how I can have such varying credit scores on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.