23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, In accordance with the Fair Credit Reporting Act ( FCRA ), I am disputing the following accounts that appear on my credit report but do not belong to me. Please remove these accounts promptly : XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX These accounts are not mine, and I did not authorize their reporting. Reporting these accounts violates my rights under the following provisions of the FCRA : 15 U.S.C. 1681 Section 602 ( a ) : I have a right to privacy, which has been infringed upon by the reporting of unauthorized accounts. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agencies can not furnish accounts without my explicit written instructions, which were not provided in these cases. I request that you investigate and remove these accounts from my credit report immediately. Please provide written confirmation of the actions taken regarding this matter. Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Vehicle loan or lease

We are having issues with our auto lender, Consumer Portfolio Services. I signed a finance contract in XXXX which told me how many payments and what the finance charges would be, I am about 18 months from the maturity date of my loan. Looking back at the payments as the lender has applied them, there have been signficant time periods when they have applied the entire monthly payment to the interest and not the principal. For instance, the original amount financed was {$19000.00}. Because of my credit, the interest rate was 23.45 % and the finance charges were supposed to be {$16000.00}, for total payments of {$35000.00}. Looking at my payment history, I have paid {$21000.00} in interest payments and only {$3800.00} towards the principal. The term of the loan was for 66 months at the rate of {$540.00} per month. There have been months when I have been late and I have added 2 payments to the back end of the loan because of hardship reasons. However, at this point, even if CPS were to apply all my future payments now towards the principal and nothing towards the interest, it would take over 29 months to pay on the loan. The maturity date is supposed to be XX/XX/XXXX. The terms of the contract, which state far after the Federal Truth-In-Lending Disclosures that the lender can apply whatever portion of my payment to principal vs. interest that the lender wants at their sole discretion. 



I do not understand how this works and how I will ever have this loan paid in full when I can not tell from the payments how they apply principal v. interest. When I have asked CPS about how it can make it so that I make payments for an additional year after the maturity date and ask them to explain how they are not always applying the payment towards the principal, they are non-responsive. 



Is there a resource that I can turn to, other than the lender that I now do not trust, to better understand the terms of this horrible loan?
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

AZ Lending Experts , LLC XXXX XXXX ; AZ XXXX XXXX ; XXXX XXXX XXXX # XXXX & XXXX XXXX XXXX # XXXX XXXX XXXX lied to me about a mortgage I applied for. He ran my credit. My credit was run on XX/XX/22. And even pre-approved me for over {$100000.00} more than I could afford on the salary he was paying me. I had a lease so I was originally going to hold off until my lease ended. He was also my employer. I was doing video work for AZ Lending Experts. He and his partner had pretty much stopped doing the videos they hired me to create nearing the end of XXXX. I had a problem with my apartment and had to move out so I went to XXXX at the beginning of XXXX and I told him that I wanted to move forward with the loan he pre-approved me for. He said nothing about anything and began asking me for documents. Then on XX/XX/22, I was fired without notice and they claim it was because I left at XXXX on a Friday after I had done all of the work they assigned me to do. They had been planning on firing me. In fact, I left because, and this can be proven in a text message to XXXX XXXX, they made me feel uncomfortable setting up some podcast video set and XXXX kept making statements that made it clear that I was no longer going to have a job. But he was still asking me for documents. So I feel like A. he ran my credit knowing he was not going to approve me because I would have no income when they fired me, and B. that he pre-approved me deceptively to do other things behind my back concerning my employment without me thinking twice about it.
Product: Debt collection

For the past few months, I've been writing letters to Penn Credit requesting verification of this account. I even filed a complaint with you last month asking you to enforce my right to dispute and receive validation of the debt. I have received no response at all from Penn Credit, and now I know why. ALL the mail that I've sent to them was returned to me, in bulk. ALL of it. They moved, and they did not update their address with the credit bureaus, which is a requirement under the FCRA as they have to report 100 % factual information to the bureaus, if they are going to report at all. They have violated my rights granted under the FCRA, FDCPA, and FACTA, all by reporting incorrect information to the credit bureaus! Last month, I demanded justice, this month, I make the same demand. FIX THIS NOW! I have attached a credit report from the credit monitoring service that I am enrolled with, which clearly  shows an address that they are no longer receiving mail at.
Product: Debt collection

On XX/XX/year> I ordered XXXX internet. On XX/XX/year> I started the service after receiving the equipment. On XX/XX/year> I canceled on the phone the service after getting XXXX because XXXX service was unreliable at best.. I received a notice from XXXX my bill was ready on XX/XX/XXXX and I called and canceled again and had them remove my payment information that same day. I returned the equipment, paid for a month when I used for 2 weeks. Now, every couple months another collection agency puts this on my credit report. I have the paid bill, the emails confirming the second cancellation, less than a month from the start of service, the XXXX delivery of the equipment and this keeps happening. XXXX will not speak to me and this new collection agency, showing no proof I owe anything, will not remove this {$240.00} from my credit report which has dropped my credit score a great deal in addition to having the " collection notice '' on there. They are uncooperative, unprofessional and just plain wrong. 
I am attaching the proof of payment and proof of delivery of the equipment XXXX will not remove it, XXXX won't even talk to me, this Ashmer collection agency will not send any proof I owe this or discuss. I do not owe anything. If anything XXXX owes me.
Product: Credit card or prepaid card

I received an email alert from the bank that they received notification that there was unauthorized changed of address on my credit report in another state, an someone tried to obtain a credit card in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax several times explaining that I have been a victim of identity theft and several inquires along with an account from XXXX was listed on my credit report. I was told to send them the Identity theft report which I have several times and they did nothing. I have attached my social security card for identification & have my name corrected on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dob : XXXX Sos : XXXX Experian Dispute Division XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Request for Investigation and Immediate Deletion of Unrecognized Accounts Reference Numbers : FTC XXXX CFPB : XXXX, XXXX, XXXX To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute several inaccuracies on my credit report and request the following actions : 1. Removal of Unauthorized Accounts and Items : There are multiple creditors and items listed on my credit report that I have no knowledge of and did not authorize. These items must be removed immediately. 


Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -
Disputes previously filed. 


Please investigate and address these issues promptly. I expect a response confirming the resolution within the timeframe outlined by the Fair Credit Reporting Act ( FCRA ). If additional documentation is required, do not hesitate to contact me at the address listed above. 

Sincerely, Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I opened an Express checking account with XXXX XXXX XXXX ( they've since changed their name to First Horizon bank ) with XXXX XXXX at the XXXX XXXX XXXX XXXX branch in XXXX Tennessee on XX/XX/2019. While opening this account, I signed up for a promotional offer of {$200.00}. I've attached the certificate of that offer. I gave this to XXXX XXXX when she was opening the account and she confirmed applying it to my account. The offer required me to open the account with {$50.00} and set up and receive a direct deposit within 60 days of opening the account. I opened the account with {$50.00} and got a direct deposit of {$1000.00} from my employer XXXX XXXX University on XX/XX/2019. The terms of the offer were that the {$200.00} will be paid within 6 weeks of the direct deposit. I never got this money, and calls to their customer service number of the bank branch where I opened the account didn't help at all. They told me they can't see the promo attached to my account and I couldn't contact XXXX XXXX at all.
Product: Credit reporting or other personal consumer reports

I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. Please delete these accounts ASAP : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me.
Product: Debt collection

I did not consent to authorize nor benefit form the following account ( S ). Block and Remove
Product: Consumer Loan

You have failed to respond to a certified letter date XX/XX/2016. This lease was closed and paid for and NOT included in my bankruptcy. I gave you the opportunity to investigate this error within the allotted time frame. You are now in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. 
Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 : Sent letter to original creditor asking to verify debt by performing a reasonable investigation. I also requested that they send me an explanation of the investigation method they used to verify my account. 

They sent me back a letter saying they didn't know what I was disputing and to to dispute with the four credit bureaus ( XXXX, Equifax, XXXX and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

CORRECT INCORRECT INFORMATION ON ACOUNT XXXX XXXX XXXX # XXXX 15 U.S. Code 1681a INDICATES THAT THERE ARE Exclusions, the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;, XXXX DAY LATE PAYMENTS MUST BE REMOVED FROM CREDIT PROFILE.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting Under FCRA Section 1681o To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report, which have caused significant harm to my ability to obtain credit. The errors appear to stem from negligent reporting practices that violate the Fair Credit Reporting Act ( FCRA ). 

I have identified the following discrepancies : XXXX  XXXX Account Number : Issue : Duplicate account entries and no balance updates. 
XXXX XXXX Account Number : Issue : Expiration date exceeds statutory limits and omissions under the balance section. 
XXXX XXXX XXXX Account Number : Issue : Conflicting payment history data and outdated information beyond the XXXX limit. 
XXXX XXXX Account Number : Issue : Incomplete payment history for a closed account. 
XXXX  XXXX Account Number ( s ) : Issue : Missing balance and payment data, constituting reporting omissions. 
XXXX XXXX Account Number : [ Provide masked number ] Issue : Closed account inaccurately reported as late each month. 
These errors represent negligent reporting under FCRA Section 1681o, as they lack the accuracy and completeness required by law. I respectfully request immediate removal or correction of these items.

Additionally : Remove all non-account holding inquiries over 30 days old.

Apply a Promotional Suppression to my file to limit unnecessary access. 
Please complete your investigation within 30 days, as required by the FCRA, and provide written confirmation of the outcome. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX, my wife and I reviwed our statement from Barclaycard covering the time period from XX/XX/XXXX to XX/XX/XXXX. The statement was XXXX pages long and included many transactions that were repeated XXXX or more times as credits to the account and then as debits to the account. And, the original dates of some of the transactions went back months before the statement period but then showed new posting dates within the statement period. We each called Barclaycard several times over the next couple of days to ask for a new, accurate statement. They did not provide a new statement. Instead, they sent additional copies of the same statement. They promised us that they would not charge any interest or late fees on the account until they were able to provide us with an accurate statement. We have called to follow up at least once per week for the last month. Barclaycard promised that with our next monthly statement, they would correct the problem. They did not correct it. Instead, when we received the statement covering XX/XX/XXXX to XX/XX/XXXX, it had similar problems with mulitple transactions repeated as credits and then as debits to the account. It also showed a large interest charge. When we called to complain, they claimed that the interest charge was removed and promised to send new, corrected statements for each of those two months. They sent new statements but they were exact copies of what they had already sent us. We called to complain again and they said that the problem was being reviewed and they could not tell us when it would be resolved. They again promised not to impose any interest or late charges and agreed that we had no way to accurately determine what we owed- but it is not clear if they will follow through on those promises. More than a month and two billing cycles strikes me as an inordinate amount of time to correct inaccurate billing statements and provide accurate ones. They have claimed this was all due to a system upgrade and we have talked to several supervisors, but there is still no resolution or timeline for a resolution. I don't know how to get them to provide accurate billing statements so that I can pay what is owed other than raising this complaint.
Product: Credit card or prepaid card

Dear Agent/Representative, I want to file a complaint against JPMCB/CHASE Chase Credit Cards. My JPMCB/CHASE Business Credit Card has reported three ( 3 ) late payments to all three of my personal credit report. It is supposed to stay on the business account. I have contacted JPMCB/CHASE and utilized credit repair services for this one ( 1 ) negative item on my report, but without success. JPMCB/CHASE is known to have strict policies that has not budge. We missed payments during the height of the pandemic in 2020. JPMCB/CHASE has unjust rules that after two missed payment the third reports to both business and individual credit reports. JPMCB/CHASE does not offer a forgiveness clause. This credit card is in my husbands business name, but because he got distracted by the pandemic he accidentally missed payments. I also, did not keep track of payments. Now this card has dropped my credit for over two years. We are currently in a payment plan with Chase, but this card on my personal credit report is harming my score and leading to issues with the purchase of our first home.

Please I am asking if JPMCB/CHASE can provide one ( 1 ) forgiveness for one missed payment. That way it will remove this account entirely from my personal credit report. 
Please, I beg someone to help to remove this account entirely from my personal credit report. Please considering our first time home and the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dowloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that didnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is demanding once more in this CFPB complaint that the credit reporting agencies delete the challenged fraudulent accounts that are still included on my credit file. The Credit Reporting Agencies must delete any accounts and information that were the product of identity theft in accordance with Fair Credit Reporting Act Section 605b. I was once more a victim of identity theft, and this is another request to have the data that was obtained through identity theft removed from my credit file. You must delete any accounts in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than four business days following XX/XX/XXXX. This report was also included in my prior letter, and I'm sharing it once more. Additionally, I am UNKNOWN by you and REMOVED from other bureaus, so I have my doubts about the accuracy of the information you provided on some accounts. The following accounts should be deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Credit Bureaus continued to record the disputed accounts on my Credit File despite their failure to deliver me copies of their investigation 's proof of verification! The accounts should be deleted right away since the Credit Bureaus ' activity violated a consumer 's rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number *XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX does not report my balance correctly every month to credit bureaus. Repeatedly this company willfully harmed by reporting fraudulent balance to Equifax, XXXX and XXXX - these companies harming my credit score every month. For example, the correct balance of XXXX XXXX is XXXX.
Product: Credit reporting or other personal consumer reports

Dear credit bureau, I am contacting you regarding complaint # XXXX. I asked that you all send itemized receipts and proof of investigation and have not received. Please advise a data furnisher is not a complete investigation. Please advise and the 30 day window is complete, which means that legally you have to delete the reporting of XXXX XXXX. I am disgruntled and demand the reporting be removed immediately as it is a violation of my FCRA rights. Please remove the account below. 

Account- XXXX XXXX