23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

1 ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract.

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
Product: Credit reporting or other personal consumer reports

Today I contacted XXXX and spoke to the fraud department regarding the late payment status for Bridgecrest yet again after disputing this inaccuracy several times of a late payment from XXXX. Ive asked that it be removed after reinvestigation. Spoke to XXXX who was very nasty and repeatedly told me to reach out to the merchant when Ive explained I gave in the past several times. I then proceeded to ask for a copy of the investigation results and she refused on a recorded line and told me I would have to subpoena them. This violates my consumer rights. Your Right to Documentation FCRA 611 ( a ) ( 6 ) ( B ) requires the credit bureau to provide you with a summary of the results of the reinvestigation, including the details of the furnishers response. 

While the law requires the bureau to summarize the furnishers response, it does not mandate the credit bureau to share the exact documents provided by the furnisher unless requested. 2.Notification Timeline : Once the reinvestigation is completed, the credit bureau must notify you of the results within 5 business days.

This notification must include : Whether the information was verified, corrected, or deleted.

A summary of what the furnisher provided to verify the information. 

Please keep in mind this recent dispute was filed back on XXXX, XXXX Ive not yet been notified of any results, or been provided any mail from the bureaus explaining the furnisher ( Bridgecrest ) on this alleged late payment status & past due payment from XX/XX/XXXX. I requested today XX/XX/XXXX to have what the results were from the furnisher and was told to seek a subpoena to get the information. This totally violates my FCRA consumer rights listed above. I also have XXXX recorded saying this. I will attach this below. Im asking that they delete and remove the late payment status and past due status that is reporting inaccurately immediately. Please see attached audio as evidence.
Product: Student loan

I was notified on XX/XX/XXXX that my loans were forgiven under the PSLF waiver! I am overjoyed and so thankful! I have been corresponding off and on with Fed Loan Servicing throughout this process. In every call when I spoke with a CSR OR a supervisor, I was told that any payments past the 120 towards my PSLF, would be refunded. Under the waiver, all of my payments counted-so from XXXX XXXX XXXX when I made my last payment. I met my 120 in XX/XX/XXXX. So there are 4 years worth ( 48 total ) of payments that I was told would be refunded to me. I asked each time, that even though I didn't have a Direct Loan at that time, it didn't matter, because under the waiver, any payment counted, therefore any over the 120 payments, would be refunded. 
I do not see anything on Fed Loan account that will let me check the payment counts and no one was able to give me the payment counts over the phone. I want to ensure I have been given the right information-all the dates I have called should be located in my account-that I will be getting a refund.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are unrecognized credit inquires which need to be removed immediately. I suspect these inquiries may be fraudulent. 
: XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 CITIZENS BANK XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I've been using my Synchrony Bank Amazon Store Card with my Amazon XXXX membership for a few years without any issues. I converted my regular Amazon XXXX membership to Amazon XXXX XXXX membership in summer XXXX and later noticed that I stopped receiving 5 % rewards even though I've been using my Synchrony Bank Amazon Store Card only at XXXX. I called Amazon and Synchrony Bank about 10 times total over the period of 5 months. I've been told numerous times different things like " your case has been escalated '', " you will be contacted soon '', " your will receive your rewards shortly '' ... No rewards, nobody contacted me. I kept making purchases using my store card in the meanwhile. The last time I called on XX/XX/XXXX, I spoke to a supervisor and I've been told that I was not entitled to any rewards, since I was a XXXX XXXX  member. Only regular XXXX Members were untitled to rewards using Amazon Store Card. Very frustrating. I was not notified that I will not receive any rewards if I convert to XXXX XXXX None of the representatives except for the last one had the answer. I lost a lot of time and over {$200.00} in rewards, they offered a {$50.00} credit
Product: Debt collection

On or about XXXX XXXX, 2020, I received a demand letter for an unpaid debt with XXXX XXXX XXXX with an alleged balance of {$730.00} from Afni, Inc. doing business as Afni Collections. 

However, two days prior I had closed my XXXX  XXXX XXXX XXXX account and received a billing statement on XXXX XXXX, 2020, that is due by XXXX XXXX, 2020, in the amount of {$130.00}. 

I only have one XXXX XXXX XXXX account and it is current as I have the most recent billing statement for the account that was just closed one week ago.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  XXXX of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX & XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Original debtor and I spoke to th original debt company and offered a payment they agreed to remove it, However I still see them reporting it to th Bureau. XXXX removed it however thy did not for XXXX and XXXX. The debt is over 5 1/2 years old. I spoke to Walmart they said it stays on for two years for a total of seven however the debt is down with and the creditor is suppose to contact all Bureaus the remove the collection off of my credit report
Product: Debt collection

My payment didnt go through on a {$30.00} payment to affirm and after I was notified multiple times daily of it in the week following the due date by email, text, and phone calls, I scheduled payment for the following week for the full balance of the debt ( the one missed payment plus the several payments that would follow ). Every day since scheduling the payment Ive continued to receive the same amount of phone calls, texts, and emails demanding payment. I called Affirm to try to get the communication to stop and the person on the line told me I needed to manage my debt which is why I would continue to receive the messages. He referred me to the terms of the loan as the excuse for the repeated demands, ignoring that I have already scheduled payment for the full amount just two days from now. This lender refused to stop the harassment, claiming its not harassment because its from an automated system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect balance reported on my XXXX XXXX XXXX XXXX. Its being reported from old info Im over my credit limit. See attached STATEMENT
Product: Debt collection

In review of my credit file, I noticed a collection debt in the amount of {$830.00}. I have attempted to contact the company through certified mail on XX/XX/20 in order for them to validate the debt but has not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$610.00} There are no contracts, no valid claims ... accounts were settled with original creditors, grave errorfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment reporting on my credit report for the above-referenced account. After reviewing my credit report, I identified a 30-day late payment erroneously reported for XX/XX/XXXX on my ALLY FINCL account. This late payment is inaccurate, as I have always made timely payments on this account. 
Account Details Account Number : XXXX High Balance : {$32000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Joint account Dispute Status : Account not disputed Creditor Type : Finance, personal Account Status : Closed Payment Status : 30 days past due Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 75 months Past Due Amount : {$0.00} Account Type : Installment account Payment Frequency : Monthly Credit Limit : {$0.00} Discrepancies in Payment History According to the TransUnion-reported payment history, a 30-day late payment is listed for XX/XX/XXXX. This late payment is inaccurate, as my payment records indicate that all payments were made on time. 

Reference to Fair Credit Reporting Act ( FCRA ) Violations Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure the information they report is accurate and verifiable. Specifically : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : My consumer report should not contain inaccurate or unverifiable information related to transactions or experiences between me and the creditor.

15 USC 1666 ( b ) : Creditors must adopt reasonable procedures to ensure timely mailing of statements and accurate reporting of payments.

15 USC 1637 ( b ) : All periodic statements must contain complete and accurate information about payment due dates and amounts.

Requested Action I kindly request that TransUnion : Conduct a thorough investigation into the accuracy of the reported late payment.

Provide a detailed description of the investigation process per 15 USC 1681i ( a ) ( 7 ).

Update the payment status for July 2019 to reflect " Paid As Agreed, Never Late. '' If you are unable to provide verifiable proof of the late payment, correct the reporting immediately to align with my accurate payment history.

Supporting Evidence I have attached the following documents to support my dispute : A copy of my credit report highlighting the inaccurate entry.

Personal identification documents for verification purposes.

Response Timeline Under the FCRA, you are required to complete your investigation and provide a written response within 30 days from the receipt of this dispute. If you can not verify the accuracy of the reported late payment, I expect it to be corrected promptly.

Thank you for your prompt attention to this matter. I look forward to your resolution and response within the time frame required by law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

A substantial amount of {$3600.00} vanished from my Chime account over six months ago, and despite my diligent efforts, the issue remains unresolved. I have cooperated fully with the banks requests to address this matter, but my funds have yet to be reinstated. Furthermore, another company has disclosed a data breach impacting millions, and I have submitted relevant documentation, including a police report, company letter, and personal statement. However, law enforcement cited the claims magnitude and data breach nature as limitations to their assistance, redirecting me to Chime and the merchant. This marks the second security breach of my Chime account, linked to Claim ID : XXXX, previously approved. The disparity in claim resolution is troubling. As a single mother and XXXX veteran, relinquishing over {$3000.00} is unacceptable. The suspicious transactions appear international, yet Ive been denied merchant information and contact details despite repeated requests. Throughout multiple rebuttals, Ive received vague denials lacking clear explanations, and my requests for managerial intervention and provisional credit have been ignored. Chimes inaction has caused considerable hardship, forcing me to secure a high-interest loan to avoid homelessness. A comprehensive explanation from a manager is overdue.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged a {$99.00} annual fee for the Alliant Credit Union Visa Signature Card. The charge was noted with, " ANNUAL FEE XX/XX/XXXX THROUGH XX/XX/XXXX. '' ( XX/XX/XXXX through XX/XX/XXXX ). See attached XX/XX/XXXX statement. 

On XX/XX/XXXX, I was notified of a change in terms that reduced the annual fee to {$0.00}, along with new conditions to maintain the same level of rewards ( 2.5 % ), by requiring a {$1000.00} daily average balance in my checking account. These changes would become effective beginning with the XX/XX/XXXX statement cycle. No mention of what would happen to customers that had paid their annual fee beyond this date. See attached Change In Terms Email. 

On XX/XX/XXXX, I contacted XXXX through their secure messaging service requesting a pro-rated refund for the months of XX/XX/XXXX through XX/XX/XXXX, requesting a refund of {$57.00}. 

On XX/XX/XXXX, the refund request was denied. See attached refund request and response, along with an expanded dialogue ( the print function did not capture the full text of the request and response ) files. 

I believe this is an unfair situation because Alliant Credit Union benefits from an excess payment of an annual fee that no longer applies AND I must maintain an average daily deposit balance of {$1000.00} to maintain the same level of benefits that I had already paid for. In short, they are benefiting twice XXXX annual fee + deposit balance ) for what I have only agreed to pay once for. I paid $ XXXX for 2.5 % rewards and now they're changing it to my paying $ XXXX AND {$1000.00} average daily deposit. They benefit twice and this is not fair. I'm paying for a service and instead of delivering as agreed, they're taking more from me to achieve the same result.
Product: Credit reporting or other personal consumer reports

Dispute an inquiry on my credit report I am writing to you in order to dispute an UNAUTHORIZED credit inquiry on my part. 
On XX/XX/year> I have an inquiry from Onemain Financial, which I do not recognize as a victim of identity theft
Product: Debt collection

I was contacted through IC System regarding a debt that was owed to XXXX XXXX XXXX.Because I disputed the validity of the debt additional documents including a contract and proof they were authorized to collect was sent on XXXX XXXX, 2016. See Attached. The documents sent do not support IC systems being licensed to do business within the state of Georgia.
Product: Credit reporting or other personal consumer reports

This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

There was an account that I had to voluntary surrender and that is not a default on the account. Transunion is reporting the account as derogatory/repossession when it should state paid/current. I demand that they update the reporting.
Product: Credit reporting or other personal consumer reports

I looked at my report yesterday on XXXX XXXX and I noticed several inaccuracies and incomplete things on my consumer report. According to the FCRA consumer reporting agencies should follow reasonable procedures to assure maximum possible accuracy of the info concerning my report in which it relates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows/has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I applied to a 30-years conventional mortgage with Provident Funding ( loan # XXXX ) on XX/XX/2019 to acquire a second home in the state of FL. On XX/XX/2019, I locked my interest rate at 3.5 %. I have been with Provident for more than 10 years with the mortgage on my first home. 

On XX/XX/2019 XXXX ; XXXX ET, Provident raised my interest rate, in spite of the lock, to 3.875 % because they decided to convert my loan to investment loan due to 1031 exchange. When I requested escalation, a manger by the name of XXXX called me at XXXX ; XXXX ET and decided to punish me by further raising interest rate to 4.125 % ... when I confronted him that I was just quoted lower he lied by saying that he listened to the previous call ... I requested further escalation and was told NO, I report to the CEO Provident Funding has fraudulently raised my rate twice in an obvious bait and switch scheme ... mangers lies to people ... even to a customer who has been with their company for more than a decade ... please help!