23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed a reporting bankruptcy that is n't mi ne 3 wi th times. They continue to verify it saying the court furnished the information. I have sent a copy of the letter from  the Clerk of Court  in  XXXX  SC stating they they do not furnish this information to CRAs. She also states that they do not keep complete social security numbers. I would then like to know how it 's possible they verified this information when the court simply states they do not provide this information to them. They are in clear violation of the reporting act and not fully verifying information they are reporting.
Product: Credit reporting or other personal consumer reports

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. Account Name : XXXX Account Number : XXXX ..... According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I am not consenting to opening another dispute as your credit bureau has been given more than sufficient and lawful time to do so. In addition I have once again reached out to the reporting company & not to my surprise has confirmed you all are not reporting correctly and refuse to correct these errors. After numerous attempts your bureaus continues to willfully report inaccurate information and has caused credit worthy damage to my credit. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is now my account, nor did I authorize these companies listed to pull my credit. Please remove them. Thank you.
Product: Money transfer, virtual currency, or money service

I emailed AfterPay to let them know I filed XXXX  XXXX bankruptcy on my account with them and that they should cease automatic withdraws from my account. They stated that they had stopped the automatic withdraws. I noticed another one was taken out for {$150.00} on XX/XX/XXXX of my account and I contacted them via email. They informed me on XX/XX/XXXX that they reviewed my account and I was owed a refund and that I should provide my bank account information. I have not heard anything back from them since XX/XX/XXXX and the only way to contact them is via email to which they dont respond.
Product: Credit card

Apon checking my credit report I found Capital One is reporting XXXX credit cards against me. I wrote and asked them to remove these accounts as well as the inquiries from this company because acccording to the Fair Credit Reporting Act they have exceeded their alloted time to report against me. Capital One is ignoring me and the law states they have to remove these accounts. Capital One keeps sending me these letters asking me to submit things they know I do not have because I have already sent it to them.
Product: Credit reporting or other personal consumer reports

It is my understanding that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you kindly verify the documentation? There appear to be inaccuracies within the listed accounts as per the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Effective XX/XX/XXXX my student loan balance was waived through the MOHELA student loan servicing provider under the Public Service Loan Forgiveness Program.

The problem is MOHELA has not reported that my student loans have been forgiven to all of the credit bureau reporting in the United States including XXXX, XXXX, and XXXX. 

I emailed MOHELA through my online account on XX/XX/XXXX asking when MOHELA was going to report this new financial information to the XXXX, XXXX, and XXXX. 

Their response is they report every 30 days, but I have not seen this change or update on my credit report. 

I would really appreciate it if MOHELA lets XXXX, XXXX, and XXXX know that I no longer have this debt. 

Thank you, XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an unauthorized transaction or inquiry appearing on my credit report Discovery Financial Services Inquiry date XX/XX/year>. Upon reviewing my credit file, I found that a transaction/inquiry was made without my initiation or consent. This activity was not authorized by me, and as such, I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681.
Product: Checking or savings account

Direct deposit sent to my acct on XXXX and they are not crediting my acct to the 2 day advance advertised promises. They hold it and dont deposit it until late evenings or days later. When it is supposed to be in my acct by midnight XXXX per every XXXX weeks. XXXX always replies with auto replies copy paste replies that are not specific or resolving. They then suggest waiting longer for It. No I will not wait longer times for it. Suppose to be in my acct as they advertised 2 day advance and by midnight every other XXXX. It is also confirmed that the funds were sent long before and XXXX chooses not to deposit into my acct. Tired of asking XXXX to fix this and they dismiss this. They cause so my inconvenience and time consuming frustrations and messing with automatic payments replying on this direct deposit deposit that does not happen on the day time It should
Product: Vehicle loan or lease

Westlake Financial when I called them on XX/XX/XXXX. confirmed on their recorded line that they repossessed my vehicle on XX/XX/XXXX. 

I Called asking if they had the creditor 's rights at the time they repossessed the vehicle. I was told they are the lienholder. 

Yes they are the lienholder, as the monies I paid monthly went to them. However having creditor 's rights is completely different from being the lienholder. 

Only if they had the creditor 's rights at the time of repossession would they have had the authority to repossess my car. 

If they did not have creditor 's rights at the time they repossessed the car and they still repossessed my car, what would that be considered. 

I also never received any correspondence informing me, they were going to repossess my car. If they sent one out. I need information as to, when it was sent out, and I need a copy of it resent to me. 

I also need to know if they had creditor 's rights at the time they repossessed my car. If they did not I need my car returned to me as soon as possible.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$44000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$310000.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$2500.00}
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw account reporting that I do not recognize.
Product: Debt collection

Dispute : XX/XX/2020 CFPB XXXX XXXX Incorrect account balance : {$250.00} I contracted the services of Arete Financial Group, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is XXXX  XXXX with an original debt of {$250.00} I have just completed my accounting for tax purposes and found that I have paid {$200.00} to the creditor via the consolidation program and my balance now due is {$56.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last 6 months and have not been able to receive a response to any of my communication. 
On XX/XX/2020 I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC. 
It has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer made to the creditor on XX/XX/2020 to pay off a remaining balance of {$250.00} in installments was declined by the creditor of which I am grateful as my financial accounts highlights that balance was incorrect and if accepted at that time I would be liable for paying far more than what is actually owed. I request that the amount owed be corrected to reflect the payment made of {$200.00} via the consolidation company and report the actual correct balance of {$56.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, my account with XXXX XXXX XXXX for furniture purchased via XXXX XXXX XXXX, was sold to XXXX XXXXXXXX XXXX, and to be serviced going forward by Concora Credit. My last payment with XXXX XXXX XXXX was made in XX/XX/year>. As a result of the 'Transfer ' of the XXXX XXXX XXXX account and their reporting of the account as 'Closed ', my credit score dropped significantly with all 3 bureaus ( >/= XXXX points between the 3 bureaus ). I contacted XXXX and XXXX in the latter part of XXXX and opened a dispute, respectively, to have the XXXX XXXXXXXX XXXX account updated to reflect 'Transferred ' instead of 'Closed ' ; In addition, I provided both bureaus with my Concora Account Number, as well as Concora 's contact information ( website address and business phone number ), to further assist the bureaus in confirming that the XXXX XXXXXXXX XXXX account was not 'Closed ' but 'Sold/Transferred " to a new lender/debt holder and my credit report to be updated to reflect the Concora account, all in the hopes I would recoup some, if not all, of the points to my credit score. Upon completion of the dispute investigation, both XXXX and XXXX informed me that XXXX XXXX XXXX confirmed the account was 'Transferred ', but are still reporting the account as 'Closed ' and that once Concora begins to report the account to the credit bureaus, it would be reflected as a 'New ' account, and would result in even further reduction to my credit score, as any 'New ' credit is assessed as a part of my overall credit profile and usage. I have no late payments and take great care with respect to my credit profile, as I have experienced a decline in my score and delinquency in my tradelines due to instability in employment in previous years. The recovery process has been long and difficult. I do not find it acceptable to be penalized and my score reduced ( significantly enough to remove from the category of 'Good ' to 'Fair ' credit ), due to the transfer of debt, a situation not within my control. For all intents and purposes, the debt is still the same and should be viewed as the same debt, regardless of transfer to a new debt holder/sevicer. In a credit score driven world, as it relates to financing or the extension of credit on any level, it is of the utmost importance consumers are not penalized for the policies/protocols of the reporting agencies, how they interpret information and subsequently reflect said information.
Product: Credit reporting or other personal consumer reports

This is one of my numerous 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 XXXXXXXX and XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Debt collection

ATTENTIVELY REVIEW my format writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX  to COMPLAINT reporting. FEDERAL laws dictate that any and all derogatory or potentially injured reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACts ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership responsibility allegation of a derogatory item that i see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report i have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA, compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegation require immediate deletion, do so now and here!
Product: Money transfer, virtual currency, or money service

Always wouldnt let me take the money out or send it. 
Never give it back
Product: Debt collection

National Credit Systems claims they are a third party collecting a debt on behalf of XXXX XXXX therefore they are liable for any terms and agreements. NATIONAL CREDIT SYSTEMS is attempting to collect the full amount of an alleged debt they purchased for pennies on the dollar. I have asked for documentation showing I was notified by XXXX XXXX that this alleged debt had been sold. I also did not receive information as to who it was sold to and for how much. In order for NATIONAL CREDIT SYSTEMS to report to another third party they should have provided me with that necessary documentation.
Product: Credit card or prepaid card

After losing my father, business, and home, I am trying to put the pieces of my life back together. I fell behind on my XXXX account for XXXX, but I tried my best to keep the company informed and worked to find a satisfactory solution so that my account will remain in good standing. 
In XX/XX/XXXX agreed to a payment arrangement after speaking with a collection specialist. Unfortunately, XXXX was misleading and they did not clearly and fully disclose all information about the offer and terms. 

One key piece of information missing is that XXXX will report to the credit Bureau that you have not made any payments. This is extremely important because even if you are making payments, your credit score will continue to lower month after month. XXXX representatives try to associate that with the account being in good standing and refer you to those terms, but this is completely different. 

I paid XXXX, XXXX, and XXXX ( which I later filed for chargeback ) and XXXX continued to report I made {$0.00} payments which showed my account in extreme default at the credit bureau. 

My billing statements were not accurate and up to date to reflect the new agreement that they presented. I continued to receive text messages and communication about missing my payments, Customer care specialists insisted they were obligated to their system information and no updates were made so the harassment continued. 

XXXX did not provide advanced notice of changes to my account. This was extremely hurtful because they changed my account credit limit from {$7000.00} to {$700.00} and reported that change to the credit Bureau to include a balance of {$7000.00}. My credit score plummeted because of this change. I was in the final stage of getting a loan that was saving my home, but upon final submission, XXXX XXXX declined me because of XXXX misinformation. I called XXXX literally crying and begging them to correct this error, but it was not done in a timely manner and I lost my home. 

XXXX send me communication anywhere between XXXX XXXX and XXXX XXXX. I can't sleep, and I can't get this company out of my mind, I am angry, disappointed, and feel cheated by this company. In XXXX I spent over {$27000.00} with its card and paid every cent back. XXXX has been the worst year of my life, I have nothing to my name and I am fed up with XXXX constantly harassing me, lying to me cheating me out when I have done everything in my power to pay them back. I filed for chargebacks on the payments I made to them after I discovered they continued to report no payments were made by my side. I will not pay this company a cent unless they are transparent and clear and enforce the rules that protect me as a consumer.
Product: Debt collection

Dear FIRST FINANCIAL RESOURCES XXXX ; Cfpb ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Product: Mortgage

In XX/XX/XXXX, Chase closed a new checking and new savings account without offering any explanation. I had done nothing wrong this account - merely opened the account, funded it with {$15000.00} to meet the conditions required to avoid a monthly fee, and begun using it. This seriously disrupted my finances as I could not access my savings, and contravened their advertisement that prompted my application. See complaint XXXX. 

Today ( XX/XX/XXXX ), I applied for a credit card in branch after receiving another advertisement. However, I was unable to complete the application process. The associate directed me to call a number - XXXX. When I did so I, I learned that Chase had not only closed my savings and checking accounts. In the phone call I learned that as of XX/XX/XXXX, they had banned me for life from mortgage, checking, savings, investment, credit, and auto loans - without the opportunity of appeal or explanation. Chase did not even alert me to this ban, as they are required to do. 

Chase refuses to offer an explanation or recourse for being barred from access extremely important financial tools. It is discriminatory to exclude people from mortgage applications - an extraordinarily important financial tool - without explanation.