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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau 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 item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 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 may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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

Transunion dropped my credit score 9 points, for no apparent reason. I have $ XXXX of open credit on four credit cards, a total of {$1200.00} owing on all four together, and they could not explain why. I have opened no new accounts, they said I have too many balances owing. It makes no sense to me, and the rep could not/would not explain why by score was dropped. I can find no action of mine to have precipitated this reduction or extraneous accounts. Why did they do it? They stated on my file, " too many balances ''. There is a total of {$1200.00} on my cards, out of the $ XXXX available. How does this make any sense. None of the other credit agencies made reductions to my scores, ( XXXX  XXXX and XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a tax lien in t he State of M aryland which was not correct.     I had not lived in nor worked in the State of Maryland in  XXXX   ( y ear in question ) however, due to my   XXXX   XXXX   XXXX    XXXX  I used my sisters address as a return address on my federal tax returns to insure I would not miss any mail.     Maryland thought I was in MD and pursued taxes owed.     In  XXXX  I discovered the lien and started to investigate. After multiple phone calls I was able to speak to a supervisor who understood my dilemma. She realized the lien was not valid and on behlf of the State of Maryland filed a Notice  of Lien Withdrawal  on  XXXX   XXXX ,  XXXX  noting the lien was withdrawn and vacated and sent a copy the credit reporting agencies and to me.     On  XXXX   XXXX ,  XXXX  I sent TransUnion proof of the liens updated status requesting removal  by US M ail.     On  XXXX   XXXX ,  XXXX , I disputed online through  XXXX   XXXX .     On  XXXX   XXXX ,  XXXX  I mailed copy of lien withdrawal to Transunion by certified mail return receipt requested  (   XXXX   XXXX   XXXX   XXXX   XXXX  ) delivered  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX  I spoke with a TransUnion customer service agent to check status of my request for investigation. I was told that investigation was incomplete.      XXXX   XXXX ,  XXXX  TransUnion reported investigation completed and that tax lien was valid and would not be removed from my credit report.     I made no payments to th e State o f Maryland as this was a lien filed in error. I sent information b y US m ail and confirmed documents had been received.     TransUnion is obligated to investigate and remove erroneous information. This was not a paid tax lien this was a tax lien that never should have been filed. The  State o f Maryland recognized the error and filed a motion to vacate and withdraw while TransUnion has failed to properly investigate and report the error.
Product: Debt collection

I am writing to request an investigation and correction of late payments that have appeared on my credit report. Upon reviewing my credit history, I noticed inaccuracies regarding the timing of payments for certain accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint regarding a loan from Uprova Credit , LLC, a tribal lender, with an APR exceeding 500 %, which far surpasses Georgias legal cap of 60 % for consumer loans. The loan terms require repayment of over {$4000.00} for a {$1200.00} loan, which constitutes predatory lending. I believe the loan violates XXXX usury laws and consumer protection statutes, and I request an investigation into the lenders practices and relief from the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent Equifax a letter about some inaccurate and incomplete items reporting on my credit. I do not owe those amounts of the alleged debts, I even disputed the alleged items with the debt collection agencies, and they never verified them. So how can Equifax state it's verified without proof. I sent it out USPS certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX for your reference, and I will attach a copy of the letter as well. It is damaging my score and keeping me from getting a home.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries that have been placed on my report without my consent. According to the FCRA 15 USC 1681 ( b ) these banks do not have a right to request my consumer 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX was sent a dispute letter which I have included in this complaint. They failed to remove ... past repossessions, doctor bills, or bills that have reached there statutory limitations.. old addresses, old jobs Hard inquiries They refuses to comply with federal law!
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} XXXX XXXX Section 604 of Fair Credit Reporting Act.

Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a PPP loan though a lender. 

I am writing regarding a recent email that I received regarding my recent application through Square for a PPP ( paycheck protection loan ) loan enclosed I have attached a copy of that email received on XX/XX/XXXX. 2021 The email states I was denied a loan because of my past criminal history I asked that the lender forward to me in written form the following information : Specific crimes or convictions that this decision was based upon. 
Date of convictions of any and all XXXX convictions this decision was based upon Jurisdiction of the conviction that this decision was based upon Name of the Court providing such records of convictions this decision was based upon. 

Please forward all to me at the following address XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX XXXX For any questions I may be reached at : Thank you for your time and attention XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Late 2021 I ordered two cellphones from XXXX that were to be delivered to the XXXX store from where I ordered the phones. I received word that the phones were delivered to the XXXX store and ready to be picked up. When I arrived at the XXXX store to pick up and activate the phones the personnel at the XXXX  store could not find the phones. 

I asked if they could order two other phones since they lost the two we had ordered. The store representative said they would look into this but may take a few days. I told them to then cancel everything since I have not received the phones and when they sort out what happen i will come back in and try again. As I heard nothing for several days I decided to go with another cellular company for my cellphone needs. 

Within a few weeks I started receiving letters from XXXX stating I owed XXXX money. That letter, and the 3-4 others that I received after with increasing amounts, did not state what specifically they were trying to charge me for, just giving an amount owed. 

Each time I received a letter I called XXXX to explain what happened. Each time i called they could see in the report that I did not receive the phones and said they would take care of this. However, within a few weeks I would receive another letter from XXXX sating I owed even more now. 

Then I stated getting phone calls from Frontline Asset Strategies saying they were trying to collect the debt. I explained the situation to them and also sent Frontline Strategies a certified letter explaining the situation, and stating I would never pay a cent for products and services I never received from XXXX. 

Now appears Frontline Asset Strategies has put this through as a collections on my credit report, thus damaging my credit for something I never received and should not be held responsible for.
Product: Checking or savings account

Case # WIth Capital One XXXX. XXXX charged me {$110.00} on three occasions I need all of the charges refunded back to me immediately. I disputed 2 of the {$110.00} charges weeks ago and haven't heard back from Capital One about it yet. So this morning XXXX  charges me again for another {$110.00} and they should have been blocked and not able to charge me any more after i disputed the last 2 charges. I have not been able to use XXXX XXXX service and asked XXXX to refund me and they have yet to do so and keep charging me. I now had to close my debit card and get a new one, so they have charged me incorrectly for something Im not being able to use ( XXXX store ), this has been going on for weeks and Capital One needs to refund me my money. I dont know why Capital One didnt put a block on the account when I disputed the last two charges of {$110.00} the representative completely dropped the ball there I had to call in again today to block the merchant XXXX I had to get a new card ordered and sent out to me because of the last irresponsibility, refund my money back immediately. This is now almost {$360.00} in question and this is causing me a lot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, 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
Product: Mortgage

My account with Amerisave is currently past due for months of XXXX and XXXX including late fees as well as NSF fees. A hardship packet was filled out, sent in to Amerisave, received on XXXX, according to USPS tracking. Previously, Amerisave rep requested I pay escrow difference, in which case, payment amount of {$1300.00} crossed between time of posting and request to pay escrow difference ; which was explained in prior CFPB complaint. I believe payment amount of {$1300.00} is short roughly {$200.00}, however, homeowners insurance premium decreased the amount of {$100.00}, in which case, prior rep requested copy of policy which I believe is already on file, notice received showing policy paid by Amerisave, notice not available to me at this time. I requested monthly payment lowered to reflect prior payment as well as premium decrease, Amerisave rep denied request, stating account is currently past due when account was past due when escrow difference initially requested.. The Amerisave rep, XXXX, whom replied previously, appears to have flawed reasoning. As stated before, hardship packet was received on XXXX, I request hardship assistance from Amerisave to bring account current. I've started a second job with XXXX XXXX, payments should come in on time going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 : states I have a right to privacy. 

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not Treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had loans put in my name in the amount of XXXX and XXXX i have no knowledge of it as well there has been auto leases out in my name i dont even have a license and home loans which i rent and never have had any of this i am just wanting ti talk to someone about it identity theft i see several names close to mine on my credit report and i have been trying so hard to get my score up and be on good terms i should only have a student loan and credit card These are not me see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the late payments on my credit report. These late payments are negatively affecting my credit, and I request their immediate removal.

According to the Fair Credit Reporting Act ( 15 USC 1666b ), it clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the information in section 1637b was mailed to the consumer not later than 21 days before the payment due date. Please remove the following late payment accounts listed in my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XXXX XXXX XXXXXXXX - {$1800.00} I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.
Product: Credit card

XX/XX/year>, at XXXX XXXX I went to the cashier to pay for my items. After inserting my credit card into the machine, the monitor asked me to verify my information. I thought something was wrong with my card and that verification was required, so I entered my details. 
The monitor then displayed information resembling a credit card application. Confused, I asked the cashier what it was and told her I did not want to open a credit card. She replied, Its nothing, just accept it.

I noticed the monitor showed details about Synchrony, which matched the card I was using. I asked her again, Not for a new credit card, right? She smiled and shook her head. 

After finishing, no receipt came out. Instead, I was told to go to customer service. I asked her if something was wrong with my account, but she avoided my question and told me to verify my information with someone on the phone.

When I spoke to the representative, they mentioned an application I had submitted. I explained that I hadnt submitted any applicationI was just trying to pay for my purchase. Thats when I realized the cashier had lied to me and submitted the application without my knowledge or consent. 

I confronted her, and she claimed I had asked for {$30.00} off my transaction by opening a credit card. This was untrue, as she had never mentioned {$30.00} off until that point. 

Instead of apologizing, she told me, If you dont want the card, just call to cancel. 

I feel tricked and misled. I never consented to or wanted a credit card, and the cashier deliberately withheld information to push me into opening it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are being showed on my credit report when I have not inquired about anything from them. How do I get them off. The Capitol One and XXXX has been there since XXXX XXXX and the others have been there since XXXX XXXX. I do n't know where they are coming from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am never late in these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed dispute to Experian on XXXX. Requested Experian dispute for unauthorized inquiries that are in my file. 
As of today, have not received any correspondence from Experian.
Product: Mortgage

I have loan number XXXX with New Rez Mortgage company. I have been paying my mortgage on time for several years. I signed up for auto payment to have them take out the scheduled minimum payment out of my account a few days before the due date. 

I reviewed my monthly statements and now see that they are taking payments out now earlier and earlier and back to back. I see one payment taken out three weeks early on XX/XX/2020 that is not due until XX/XX/2020 then the following day they took out a second payment almost two months before it is due. The just took a payment from my bank on XX/XX/2020 to pay the XX/XX/2020 statement ( which hasn't even been created or sent to me yet XXXX! 

These payments are not what I signed up for and should only be taken once a month the week they are due! 

I tried to contact New Rez via their webiste but the submit button does not work ( you fill out a form and then screen just dies ). I  tried calling but can't get live person. 


Thank you, XXXX XXXX
Product: Checking or savings account

My account has been closed with Wells Fargo but they've had a breach and there's a lawsuit and I feel like I should be a part of it and I wasn't contacted
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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