23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am a member of credit expert I have a membership and am allowed to view my credit report and score once a day. I have been transferred to the dispute Dept then back to the member Dept to resolve this issue mbr ship Dept tells me I have no address on file to view my report and to call experian I called experian and the put my address on my report. I then called back credit expert to view my report and was told I have to call dispute dept because there was a mismatch with my social security number and that over XXXX reports have generated dating XXXX but I still have no access to view them. This needs to be resolved so I can review my credit report and score.
Product: Checking or savings account

I received the email below- we had $ XXXX in this account and now they will not answer our emails or tell us how to get the money out of the account. You can see in the below texts the XXXX says our account was shut down for complaint and as you can see stops responding. 

This ticket was created on your behalf. 

To add additional comments, reply to this email. 

Hello, Were writing to inform you that we can no longer offer you services at Mercury.

Your account has been closed due to a breach of our Terms of Service and/or your Deposit Account Agreement. As a result, funds associated with your account are being retained by Mercury. Please note that scheduled, previously initiated, and expected incoming funds may still process ( wires, card transactions, check deposits, and ACH credits ). Please be assured that we will promptly notify you if there is any change in the circumstances surrounding this closure. We will be unable to share additional details about this decision with you. We appreciate your understanding. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car in XXXX because of separation because my ex XXXX he did not want to continue paying the car of which I stopped paying three months in XXXX and I knowing that I was not making the payment I took it off and what I did was take the responsibility of paying the car and from which I have been making the payments month by month and I am not late I want to buy
Product: Credit reporting, credit repair services, or other personal consumer reports

Im going to sum it up quickly I was a former employee of the XXXX XXXX   I got terminated XX/XX/XXXX The XXXX headquarter location continued to pay my medical insurance benefits up until XX/XX/XXXX and now wants payment of the bill they paid so I do not agree with this bill so they sent it to the collection U S Treasury and then U S treasury sent it to Transworld System Inc I have sent dispute to both collection agency and nothing is getting done I am just being passed of back and fourth from both agencies. I am in the process of buying a home and its at a stand still because both collections agencies fail to do anything not to mention I sent in supporting documents and request several disputes. Please I am just asking that this 7 account get removed from my credit bureaus because i will be homeless as of XX/XX/XXXX Please thank you for helping in this matter I have supporting documents to go along with my claim. I am submitting termination letter from employee, invoice of description with dates of payments. bills from both collection agency U S treasury and Trans World system
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license in addition to pay stubs and bank statements. To date the changes have not been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  ( Original Creditor : 11 XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report.Account is listed as collection / charge-off. It's showing a balance of {$980.00}, per the FCRA this is a violation, balance should be {$0.00}. 

Date Opened : Inaccurate Balance : Should be {$0.00} Date Last Active : Inaccurate Date of Last Payment : Incomplete
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Experian did not provide evidence. CFPB step up and delet XXXX XXXX XXXX
Product: Mortgage

I have done multiple requests with XXXX Mortgage to consider giving some help in my HELOC loan # XXXX and after fulfilling all requirements I have been denied XXXX They are now trying to add my XXXX mortgage to my XXXX XXXX to deny me some kind of help
Product: Credit card or prepaid card

I was approved for the Barclays Wyndham Rewards XXXX XXXX credit card on XX/XX/2022. At the time of approval there was a welcome offer for XXXX bonus points after spending {$2000.00} in the first 90 days. I met the minimum spend requirement on XX/XX/2022. I confirmed with Barclays via Secure Message that I met the minimum spend requirement on XX/XX/2022. They stated that " the bonus will be reflected on the billing statement after you have qualified to earn the bonus. '' My statement closed on XX/XX/2022 and my bonus points were not there. I followed up again with Barclays via Secure Message on XX/XX/2022 and they said " the XXXX bonus points will be earned 6-8 weeks after XX/XX/2022. '' I called Barclays customer service on XX/XX/2022 and spoke with a supervisor and they said they have done everything they can on their end and now it is Wyndham 's responsibility to add the points. I called Wyndham Rewards today and they are saying it is Barclays responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX/DOFED & Transunion Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately.

( Screenshot below )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account with chase showing on my credit report that doesnt belongs to me. Im sure this account was fraudulently opened and I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting, credit repair services, or other personal consumer reports

On Dates of XX/XX/XXXX and XX/XX/XXXX i sent a letter To XXXX XXXX regarding inaccurate and uknown things on my credit report. To this day over 60 days later i have not recieved a response yet.i feel like i am being taken advantage of as a consumer. And my dispute is being ignored. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Section 611 ( a ) it plainily states that failure to invesitgate wihtin 30 days gives reason to immediatly remove these items from my credit report.Should be deleted promplty. I demand accounts to be deleted immediatly or i will file for district court claims due to stress and hardship and XXXX data breach i have been impacted aslo in the wrong hands. Remove immedialty
Product: Credit reporting or other personal consumer reports

Transunion Driving History reported to my auto insurance underwriting department that I had a traffic violation on my driving record. This caused the insurance company to increased my annual premium by {$810.00}. When I stated to the insurance company this was wrong, I was told that their reporting agency said it was true and that the court issued points on my license per Transunion. I called the Pennsylvania Court House where I attended the trial. Per the court house, I was charged on my XX/XX/2023 citation with " XXXX - Failure to stop at a red light '', and this charge was amended on XX/XX/2023 after my trial to " XXXX - Obedience to Traffic Control Device ''. This is not a points offence per the court employee, and she directed me to the Pennsylvania Department of Motor Vehicles ( DMV ). The DMV employee told me that my license is clean, and she is not sure where the insurance company was acquiring such information because they have no record of it at the DMV. She then told me I could pay {$14.00} for a copy of my driving record to furnish to the insurance company. I then called back the insurance company and was eventually told that they could not do anything, and I had to call the Transunion Driving History. The Transunion Employee opened a case which may take 30 days to resolve. I then called back my insurance company and left a supervisor a long message that my insurance is up for renewal in 10 days, I pay my bills, I have wasted 3 hours of my life on this, and most importantly in the United States of America a person is innocent until proven guilty. Transunion is reporting charges to insurance companies not convictions which is XXXX. The insurance company supervisor called me back and told me that he directed his underwriting company to pull my driving record and that since it is clean my premium was returned to the previous year level ( with inflation of course. ) My complaint is that I should not have to file a dispute because Transunion is reporting driving charges and not driving convictions. How many Americans is Transunion disenfranchising with reporting charges in lieu of convictions?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX XXXX
Product: Mortgage

Due to the complete lack of organization, overriding negligence, and careless mistakes we were 13 days late from our agreed closing date. The calendar days ( not business days ) are extremely important because we had repairs needed on the house that were not just cosmetic, they were for health reasons for our daughter ( and there was mold ) and the construction takes into account weekends. The construction company had planned on using all available week and weekend days. 
Due to the lack of operational and industry knowledge of the new rules and regulations on on the mortgage company 's side, Academy Mortgage, we were forced to change everything with our move. We had to rebook moving companies, get storage for our possessions, and forced to stay weeks at hotels. We issued a claim against Academy Mortgage to cover our costs associated with the missed closing date and financial impact this caused our family. We submitted a letter detailing what they had put us through and their negligence ( not running title searches when they should have, incorrectly informing us of actions needed, having us fax IRS transcripts to their organization, etc. ). 
The letter explained that the days we had to stay in hotels was XXXX because of our post possession closing gave our contractors an actual of 19 days to get the work done. The letter detailed the financial loss and stress they put us through and they responded with incorrect facts. I ca n't believe in this day and time the level of negligence, lying and mistakes allowed to occur and impact consumers financially is still allowed. We are looking for Academy Mortgage to cover our losses caused by their organization. We are not seeking ( at this time ) reimbursement for lost wages, food or other losses, we are only seeking reimbursement for the direct financial loss of the hotel stays needed for the delayed closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. XXXX XXXX never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.
Product: Credit reporting or other personal consumer reports

In 2019, the automobile that the loan is in question four was in an accident and considered totaled. The insurance company paid off all but {$9000.00} at the time of the loan application with the car dealer the additional extended warranty was taken out as well as XXXX insurance, the car dealer did not submit the XXXX insurance paperwork or the extended warranty paperwork. I contacted XXXX XXXX and advise that I had paid for the XXXX insurance. They informed me that it was not on the account I went back to the dealer they assured me that they had submitted it, and that they would reach out every time that I have contacted XXXX XXXX They refuse to listen so I stopped paying the loan come to find out the car dealer not only didn't submit the XXXX paperwork. They have put falsified information on the loan application such as a address, and a phone number, which do not belong to me, I became aware of this recently and I contacted XXXX XXXX and they refuse to listen or understand what I'm saying. I have disputed this multiple times with XXXX XXXX, XXXX and Experian the last time that I disputed it XXXX XXXX updated my information to my valid information and now they are trying to collect on it again and it's now reporting that it's delinquent and it's affecting my credit file again, I'm trying to have it completely removed because the information that was provided by the car dealer which is no longer in business provide it on the application an address of XXXX XXXX XXXX XXXX XXXX  XXXX Delaware and a phone number of XXXX as my legitimate information which is not correct it's false, and based on that I'd like to have this completely removed from my credit file. Upon further review of the paperwork from XXXX, XXXX XXXX and XXXX also the buyers date of birth is incorrect, and the buyers drivers license number is incorrect. The only thing that's listed on this account application or the paperwork is my name all information is listed wrong XXXX XXXX  XXXX. XXXX XXXX is not correct at XXXX date of birth is on these correspondence is XXXX XXXX. My date of birth is XXXX XXXX. The drivers license number is XXXX. My drivers license number is XXXX Where they obtain this information I do not know also, it shows on my paperwork that the protection group I show I have insurance XXXX insurance. I also show XXXX insurance I don't know what that is but it shows that I have the extended service plan, XXXX insurance, and XXXX XXXX, and according to my documentation, I have submitted this, and they refuse to accept it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, the accounts listed underXXXX XXXX XXXX XXXX XXXX XXXX - This was Paid as agreed and should not be showing any derogatory information on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to validate my debt one this one account in the letter attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX, added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I have contacted all companies to remove inquiries and have also frozen my credit report with filing out forms for ID theft These are some companies that have used my information without permission XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX