23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information are inaccurate on my credit report. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. {$7200.00} - DOES NOT BELONG TO ME XXXX OPEN XX/XX/XXXX XXXX. {$500.00} -DOES NOT BELONG TO ME XXXX XXXX XXXX  OPEN XX/XX/XXXX {$380.00} -DOES NOT BELONG TO ME XXXX XXXX  OPEN XXXX NOT BELONG TO ME XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX {$660.00} -DOES NOT BELONG TO ME XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX. {$600.00} -DOES NOT BELONG TO ME The follow names and address are inaccurate on my credit report. 
XXXX XXXX -NOT MY NAME XXXX XXXX-NOT MY NAME XXXX XXXX XXXX XXXX # XXXX - ADDRESS DOES NOT BELONG TO ME XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report. To date, I have not received any response from them. Below, I have provided the details of the inaccuracies and the required corrections : The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$6700.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Please remove it from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I took advantage of an offer Chase Bank provided via their Ultimate Rewards Program and exchanged XXXX credit card points for a brand new XXXX XXXX XXXX XXXX valued at {$320.00}. I received the XXXX on XX/XX/XXXX and in XX/XX/XXXX, I noticed the XXXX display would not turn on and took the item to the Genius Bar at a local XXXX XXXX. The XXXX employee performed a diagnostic test on the XXXX and stated that the issue my XXXX has is related to a manufacturing defect. As the XXXX is less than a year old, it would still be covered under XXXX 's limited warranty, which would allow for a free replacement. However, they checked the XXXX 's serial number in their system and saw it is actually a refurbished item, as such, XXXX 's limited warranty would no longer be applicable. 

Subsequently, I contacted the Chase XXXX servicing center to report that they had erroneously sent me a refurbished XXXX when I had paid for a brand new item. Because of this, I can no longer benefit from XXXX 's limited warranty and would need to pay for the full cost to repurchase a brand new XXXX since the item they sent me is now defective. However, the representatives and their managers at Chase XXXX servicing center repeated told me that they do not have the power to help me as I have had the XXXX in my possession for longer than 7 days and refused to hear my complaint that Chase had misrepresented the promotion offer and sent me a refurbished item while charging me for a brand new product. I had also tried to contact customer and card services at Chase to no avail. I was then referred to Chase card services where I tried to file a claim with a supervisor to be compensated for the points that I used in the redemption and received a letter today stating that I will have to contact Chase XXXX servicing center for a resolution, the same department that brushed me off originally claiming the matter is out of their hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond ONLY VIA THE CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Mortgage

we were buying a new home for the first time .. moved to AZ .. put required $ XXXX down on XXXX home . Loan officer acted like it was a great deal with our great credit. He did n't let us know, until it was too late to do anything about it, that his rate was 4.125 %. i contacted my XXXX who works at XXXX XXXX Bank and he said that was unheard of and not legal. The rates are much lower than that! He said to negotiate with them. They would just say, you 're locked in, and you can always re-finance! We told them we could n't afford that rate. They did n't care. We had to deal with at least a dozen people and not just one on our loan .. too many vacations! We 've written letters and no one cares. Even to the President of the XXXX Mortgage ( conflict of interest, they own it and 60 % of the XXXX title agency ) and the title agency. We 're XXXX and XXXX and we were taken advantage of. Our friend at XXXX 's suggested we file a complaint with you. Please assist in any way you can. Awful organization they are! and conflict of interest, since they own all three companies. Thank you. After this experience, we would never buy new again. They were all rude and we did n't receive their pamphlet on how to negotiate the BEST RATE until after they had locked us in. Nobody showed up at closing - only a notary and he could n't answer our questions. We called the loan officer but he did n't call back. Because i told them i was checking the rates with my friend, they supposedly STOPPED working on our loan. Thus, they kept telling us a date and changing it ..the moving company would n't put up with that and charged us for storage - {$1500.00}! we have had nothing but trouble with this house and no help. we made a long list of items that need to be fixed and have only seen a " door '' adjuster - 3 doors would n't shut. please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the Accounts proceeding, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed. 

XXXX XXXX XXXX Account number XXXX Account status Closed Company sold to ; XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX Account status Closed This account is passed the statues of limitation period in Virginia. Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. XX/XX/2021 Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Contact info Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 

XXXX XXXX XXXX  GA XXXX Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX XXXX  GA XXXX Additional Information : If the Chapter XXXX plan is dismissed, If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.They are being reported by a third party and I do not recognize them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letter to  XXXX , experian and  XXXX , stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also hav e for two  years have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to file a complaint against ( XXXX, XXXX and Experian ) I have spoken to an abundance of XXXX, Experian, and XXXX representatives and supervisors over the phone over the past two years, and I have tried to resolve this issue, enclosed is documentation on CFPB website regarding various complaints regarding my dealings with these three companies Experian, XXXX, and XXXX. These three credit bureaus Experian, XXXX, and XXXX have violated my rights as a consumer and refused to delete the accounts above due to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) X5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) X5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These companies below have violated my consumer rights above : Respectfully, XXXX XXXX XXXX Natural Person ; UCC-1-308
Product: Credit reporting or other personal consumer reports

I dispute the account listed below, which remains on my credit report despite your previous investigation. I request that this item be re-investigated immediately, as the inaccuracies are significantly damaging my credit score : account name : [ XXXX ], account number : [ XXXX ]. 

In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, please provide the names and business addresses of everyone you contacted during your verification process so that I can follow up. Additionally, I would appreciate an updated copy of my credit report following your reinvestigation. Thank you.
Product: Mortgage

SPS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX SPS currently has an authorization for XXXX, and a complete short sale package. SPS is refusing to work on this short sale until the Broker from the Listing Agents firm is authorized by the homeowner. This is absurd and unnecessary. The homeowner has NOT authorized this person ( the broker ) to be on the authorization. SPS is claiming the investor is forcing this to be a part of the short sale. The investor does not yet own the property and has no right to determine who is the authorized party. Nor does the listing agent need to be authorized with SPS in order to list the property for sale. 

SPS does these types of delay tactics on EVERY SHORT SALE WE HAVE EVER HAD WITH THEM. Another delay tactic used by SPS- on this file and every file we have ever had with them - is to piece-meal their document requests. In this way, they are dragging out the decisioning process, collecting additional servicing fees, and defrauding their investors. 

We have had multiple investors pull all of their loans and move them away from SPS -- likely they have gotten wise to SPS ' FRAUDULENT ACTIVITIES.
Product: Credit card or prepaid card

My bill is supposed to be available on my account. The website has been down for at least a week. I have tried to use the app to make a payment but it locks me out. I will be attempting to call and make a payment over the phone. At this time I don't know how much my payment is. I have been attempting to get online and make the payment for for a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just been notified by the credit reporting agencies of a negative report by you, ( Freedom Mortgage ) that has significantly impacted me financially.. 
After multiple inquires to customer service and the Tax and escrow dept. going back to XXXX of this year, Re : the increase in my mortgage payment due to a shortage in my escrow account I was continually told to keep paying my current mortgage until a resolve to the matter was completed. A conversation to justify my position was with the Tax dept. notifying me that they were not in receipt of a Veterans tax exemption by the city of XXXX, Ma which would have affected this account. I immediately sent via electronic and US mail an official transcript of this exemption to this person who after receiving this and verifying it with the named city accepted it's exemption, and was told it would be adjusted. I was than transferred back to customer service who once again told me to continue paying the current payment until I was notified. To this date I have NEVER been notified. 
In my last conversation with you, you explained that the discrepancy in funding would need to be satisfied by me and I complied with the intent that a escrow analysis would be completed by XX/XX/XXXX of this year, as told to me by you, and that I would be notified. Again to this date I have NOT been notified of the results of that analysis and resulting final determination of payment.
Product: Payday loan, title loan, or personal loan

Contract was signed with XXXX XX/XX/XXXX my loan with goodleap begun XX/XX/15 At this time my panels were not functional and had trouble getting in contact with anyone from XXXX. 

On XX/XX/XXXX while watching XXXX we found out that the company XXXX XXXX was no where to be found and of a possible bankruptcy. 

I expressed my concerns with Goodleap and informed them of the bankruptcy and how my panels were left at a 10 % install progress. They assured me they were not under bankruptcy and that they ( Goodleap ) called in XXXX to let them know of a " New Year Staffing '' this conversation was saved. 

During thus time I called my electric company and they informed me that XXXX never sent interconnection applications and we were not approved for the panels placed on our roof. I also called the city and was informed XXXX never requested permits to work on our roof. 

I kept calling Goodleap every week to ask about the status of my complaint with no luck. I called for 2 months straight with no new answers. 

As of XXXX I decided to hire a lawyer to help with this matter. 
This lawsuit has expanded into a class action lawsuit with more than 100 ( this list keeps growing ) customers affected by XXXX and the financial companies. 

I would like Goodleap to cancel my loan and pay me back the money sent. I paid {$12000.00} as an initial payment and 3 months of {$150.00} after that. XXXX breached the contract by not finishing the job and Goodleap dispersed the money without verification of the status. 

Thank you!
Product: Credit card

Last year I got involved with several fraudulent companies that contacted me to sell me their services, that I did not solicited. After I paid the first XXXX, many others were calling me like they were all connected offering me online services related that were unnecessary. XXXX XXXX XXXX was XXXX of them, they called me on XXXX/XXXX/2016 and I was told they guaranteed XXXX leads plus internet marketing, 6 months of advertising, they said the leads were guaranteed, they said they would deliver leads within 180 days from date of payment clears.Did n't receive it. Leads would apply to my website. I paid them {$3000.00} with my Discover card. No other contact, no emails, or calls, etc. They stated I would make money with this opportunity. Have not made a penny.And they disappeared.
Product: Checking or savings account

At the Key ATM, I deposited {$80.00} in cash. I received an error message. I was not posted to my acct. They gave me an XXXX number to call and file a complaint. I won't get my money back for 7-10 business days. I NEED THAT MONEY NOW!!
Product: Credit card

I did a XXXX loan thru comenity capital bank it was an 18 month interest free loan we had signed up for e-billing, however the statements ended up going into spam after the initial setup, but we always logged into our account first week of the month to pay since we knew was due, the 18 month grace period expired and they are billing me for past interest, A -- the only way we realized the oversight was when I received a TEXT for past due amount about 2 weeks after expiration date, the payment in fact had already been made and when we looked at account we saw balance had jumped by app {$2000.00} B -- I called right away and was told about the expiration so I immediately paid the principle and said I would not pay outstanding interest, I have contacted them numerous times to resolve this issue to no avail and they want me to pay {$2000.00} for a less than 3 week oversight C they continually harp on the notice in the statement, even if I did receive the statement there is only ONE small line in a XXXX page statement with the expiration date noted D -- also they can send me a text about a past due amount [ that did n't even exist at the time ] after the expiration and yet could n't send a text that the grace period was about to end F I have told them numerous times I will not pay and send to collections and to stop adding obscene interest charges on top of interest charges G their notification policy sucks and is strictly selective to their benefit and they take advantage of minor oversights with absolutely no regard for people
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have inaccurate information reporting on my consumer report.
Product: Debt collection

Earlier this year I discovered an account on my credit report that I wasn't familiar with. It is being collected by Midland Funding or Midland Credit Mgmt. I sent the credit bureaus   disputes and they verified the debt as valid. I also disputed directly with the collector and the collector mailed me a simple statement generated by their computer that says I owe a balance. They did not send me anything linking me to this debt they claim I owe. Their statement sent as a response is attached. I wrote them a second letter and pointed out they did not send me anything as proof and that anyone could create their own statement and claim someone owed money. This letter is also attached to this complaint. They responded by sending the exact statement again with a new date on it. This second statement is also attached. I have read enough to know that they can't just demand money from me without proper paperwork to support what they are collecting.