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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX XXXX Account Number XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for TransUnion, XXXX  reports as CO, and XXXX  reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.
Product: Checking or savings account

Last friday ( XX/XX/XXXX ) at around XXXX XXXX. cst I arrived at an ATM for Bank of America to make a withdrawal. There was a withdrawal request of {$820.00} made. The ATM dispensed the funds and gave very little time for me to grab the funds as I was occupied checking my mobile account information on my phone. Because the time limit was reached the ATM took back the funds before I could take it from the slot. When looking to re-try making a withdrawal the ATM machine displayed " The Daily withdrawal limit has been reached '' and upon checking the mobile app the balance was short of the attempted withdrawal amount. The cash was never received on my end from the ATM yet the application deducted the amount out from balance. Was told that the funds will be placed back into account by wednesday ( XX/XX/XXXX ) and that has not happened... looked to escalate the issue and the escalation request was denied.
Product: Credit reporting

Several of the accounts in dispute is where I was an authorized user. The primary is deceased and yet it still shows on my credit reports. Also several accounts are not mine.
Product: Debt collection

The creditor they were/are representing did not stick to the contract due to a personal issue with me which resulted in a wrongful repo and tried to blame me.the negatively affected my credit, when the real issue is the company is XXXX and tried to cover up the damages done to my car without my consent when it was supposed to be repaired under their time/warranty. Court documents states i do not owe this money.case was dismissed This is my 3rd time reaching out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year>
Product: Debt collection

Original Collector : XXXX XXXX XXXX XXXX XXXX : Rent-debt automated collection XXXX   XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX Date : XX/XX/2016 {$7500.00} amount This attempted debt info is completely inaccurate. I am a single mother to XXXX children and I was never behind 7 months of rent!? 
I have continued to Dispute this fraudulent information for 3 years now and the negative remarks on my credit report including this astounding amount is hindering my living abilities for my kids and I. I can not get anyplace with this info on my credit report. 
It is wrong and inaccurate and Im going to seek legal help with the Florida Bar Association for legal representation to Dispute this information and request for removal. 
My identity was also compromised with XXXX Incident 2016. Thankyou for acknowledging consumers and trying to get all of us the correct guidance and professional help we are seeking Regards, XXXX XXXX
Product: Student loan

XX/XX/XXXX Basically, the issue here is that Navient/XXXX XXXX has consistently reported inaccuracies on my student loan account. One source of the inaccurate data has been from XXXX XXXX failure to record my full home address even though it was directly reported. That failure to record accurately resulted in a three months delay in my receiving income based payment annual application in a timely fashion. 
This situation caused my account to lapse and collect past due fees for which I should not have been penalized. 

Second, XXXX XXXX/Navient has also caused further harm by submitting the wrong information regarding my eligibility for deferment/forbearance plan. By supplying misleading information regarding my eligibility for deferment/forbearance, XXXX XXXX has manipulated my account and this process has given the XXXX XXXX the ability to wrongly charge my account with late payment status. 

For clarity/specifics, on XX/XX/XXXX, I contacted XXXX XXXX by phone to report my change of address. The XXXX XXXX agent who handled my call informed me that she would update my account data. However, XXXX XXXX claimed that I simply failed to properly report a change of address. On the contrary, I have found my certified letter to XXXX XXXX dated in XX/XX/XXXX of that transaction request. 
( copy attached ) It took XXXX XXXX three full months before the application form was actually delivered to my correct home address. ( There has been late fees added to my account as a result of that late transaction by XXXX XXXX. ) Those late fees were added in XX/XX/XXXX when the Navient system reported my account as being ninety days past due on my credit report. 

The other major problem is that I have been on the Income Based Payment Plan since XX/XX/XXXX. My loan was consolidated with XXXX XXXX in XX/XX/XXXX. 
However, when I lost a full time job in XX/XX/XXXX, a XXXX XXXX agent informed me that I was eligible for a deferment plan. However, she was wrong, and as a result of that wrong information, when the deferment time expired on that plan, a payment was necessary to keep my account updated. Yet, my income was too low to pay it. 
In other words, I should have simply remained on the income based payment plan. 
There was no real need to change plans in the first place. 
Meanwhile, the " ninety days past due '' has been reported by XXXX XXXX/Navient on my credit report. This has limited my credit score and impacted my ability to obtain credit. 
I have supporting documents to support my above claim. There are two separate attachments which clearly identified the negative situation on my account with Navient. 

Consequently, I make the request that Navient remove the late fees from my current credit report. 

XXXX XXXX
Product: Checking or savings account

I disputed a transaction on my checking account with time I had an auto policy with the company called XXXX XXXX XXXX and they sent me paperwork for this renters policy that I never asked for they paid the first premium and said that all I need to do is pay the next month premium and I called and canceled them or told them I don't want this also send it back and they sent me some collection notice in the mail so I sent a letter back to them saying that you all caused this you need to fix this and I think a month maybe a couple days later I see a charge on my account for {$50.00} I mean {$60.00} and I disputed it with chime. Time canceled my card and told me they would dispute the transaction they haven't provided me any information on why they declined the transaction and I'm about to call them now and find out why I'm being charged {$60.00} but my bank the first one that I asked them to fix it they denied it and didn't even tell me why I just received an email I think this is poor banking practice especially supporting the regulation e.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed all of my Inquiries on my credit reports fr om  XX/XX/XXXX  and  XX/XX/XXXX  and th ey did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them.     The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance  C. C. Employment D. D. Court O rder
Product: Credit reporting or other personal consumer reports

These account were never given my permissible purpose to furnish these accounts furthermore they infringed upon my rights to privacy in pursuant to 15 USC 1681 ( 4 ) these corporations have caused damage to me mentally and financially. In pursuant to 15 USC 1681a ( 2 ) ( I ) any transaction or experience should excluded from my consumer report.On my XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND INQUIRIES XXXX XXXX XXXX AND XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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  Has also violated the billing error practice act in pursuant to 15 USC1666 they never gave me the right to opt out and are not reporting accurately I want these late payments as well as the inquires and collection accounts deleted as they are identity thief
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to contact XXXXXXXX XXXX via phone and mail, they will not take the " charge-off '' off of my credit report, which has been sent to all XXXX credit reporting bureaus. The amounts from XXXXXXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX XXXX ) are paid in full as of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). Please find attached documents showing that the paid amounts have been deducted from our checking account monthly. I have asked sent letters to XXXX and spoke with them on the phone, who have verified that the account has been paid off, but they will not help me since the account was sold to XXXX XXXX. I have sent letters to XXXXXXXX XXXXk and spoke with them repeatedly on the phone, and they stated that because XXXX went out of business, they made my account a " charge-off '', even though it was paid off.
Product: Debt collection

Cavalry SPV has on my credit report a XXXX charge on my account. They sent me court papers with the name XXXX XXXX. My signature was nowhere on these documents. The collection agency bought information illegally without my approval. I do not owe this debt and want it off my credit report immediately.
Product: Debt collection

On my credit report is a debt collection account from XXXX XXXX XXXX for the amount of {$260.00}. I have never had a collection with XXXX XXXX, I have spoken with XXXX  and they state they do not use CCS Collections as their collection agency and have never reported my insurance account for collection. CCS Collections has told me that XXXX reported the debt, they will contact them to verify, but I never hear back. When I call them they must have my phone number in the system because they hang up on me. The credit agencies I wrote and disputed the collection all they can do is put a message on the file, but it is impacting my credit score to have this collection on my reports. CCS refuses to remove the collection even though XXXX does not use this agency, I believe this is a completely fraudulent posting to my credit. I need this agency to remove this collection, but they refuse even though XXXX states they never sent me to collection and does not use this agency. Additionally, I have never made a payment on this debt to reduce it from {$260.00} to {$160.00}. CCS refuses to verify this debt with XXXX.
Product: Mortgage

During the month of XX/XX/XXXX, I had made a payment to go to the principal and Truist Bank only applied the amount of {$6000.00} and the rest of the money went to other business. However, I was very cleared when I went to make the payment told the cashier person to go to the principal ONLY. The rest of the money of {$2900.00} went somewhere in their behalf. The next month another payment of {$800.00} which it was paid, went to business on their own side ( escrow {$130.00} and XXXX escrow shortages. They keep sending money to my insurance in my behalf which I have never requested from them twice again ( XXXX {$1600.00} and XXXX XXXX ) unnecessary. Payments have been made on time what they request completely on my account. All the amounts that I have paid on the principal previously had gone somewhere else without no knowledge on my part. I am so tired to be dealing with the same issue over and over and not getting anywhere. I am the customer who had been making payments from XXXX until now and actually instead of getting the mortgage paid out and keep loosing money on their side. there no way to talk to this people because they don't know what they do on daily basis. They have made XXXX payments ( prepaids ) to home owner 's insurance without not even asking. I really don't want business with Truist Bank at all.
Product: Checking or savings account

So I was using a site called XXXX, and one day I noticed a lot of transactions were made on my chase debit card, I must have saved the card information on the site by accident, so I quickly tried to log back into the site to check just to find out that my account was hacked, the hacker changed emails, password that is associated with the account, I contacted XXXX  support to get my account back but they took pretty long to help and unfortunately they cant give me a refund, so I contacted chase to dispute the transactions. And as soon as I got the account back, I got hack again and this time they charge my debit almost 50 times in one night, this is when I know the whole site is just a scam, I should've realize faster because of how much fraud alert I'm getting when trying to buy stuff from the site. I quickly call my bank to dispute the charges and get a new card, I just don't know if chase can win the dispute for me.
Product: Mortgage

In XXXX, Select Portfolio Servicing sold my mortgage to a third party and is now refusing to provide me with a copy of my original deed and other necessary documents to allow me to dispute the incorrect loan balance.
Product: Credit reporting or other personal consumer reports

Experian XXXX : Is practicing false credit reporting and violating my privacy, slandering my reputation as a consumer. Specifically : They are reporting by way of Dept Of EdXXXX XXXX Experian is reporting XXXX  as XXXX  days late ( no XXXX, XXXX? ), if so please provide documents for that as well. I have asked and am again ( willful negligence ), for proof of this ( bank statements ), or update to paid ok. If the company can't provide proof ( statements ), update to PAID OK. Additionally, Experian XXXX is reporting that Dept. Of Education XXXX  reporting under WORST DELIQUENCY ( NO DATE ), that the account was XXXX  days or more past due. Please provide paper documentation that verifies this and not just " parriott '' XXXX. XXXX ( XXXXXXXX XXXX XXXX. ). 
I am further requesting {$1000.00} compensation as per the FCRA for false, inaccurate credit reporting, that is damaging to my reputation and privacy. Makimum possible accuracy isnt being used to report my information as Congress has dictated. 
Lastly, the balance should be XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 ) ( 5 ) 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. 1681s-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.
Product: Credit reporting, credit repair services, or other personal consumer reports

42 U.S. Code 1320d9 - Application of HIPAA regulations to genetic information The Secretary shall revise the HIPAA privacy regulation ( as defined in subsection ( b ) ) so it is consistent with the following : ( 1 ) Genetic information shall be treated as health information described in section 1320d ( 4 ) ( B ) of this title.

( 2 ) The use or disclosure by a covered entity that is a group health plan, health insurance issuer that issues health insurance coverage, or issuer of a medicare supplemental policy of protected health information that is genetic information about an individual for underwriting purposes under the group health plan, health insurance coverage, or medicare supplemental policy shall not be a permitted use or disclosure.

( 3 ) HIPAA privacy regulation The term HIPAA privacy regulation means the regulations promulgated by the Secretary under this part and section 264 of the Health Insurance Portability and Accountability Act of 1996 ( 42 U.S.C. 1320d2 note ). 
I have disputes regarding information that is being reported in my credit file. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Neither XXXX, Equifax, nor XXXX can accurately validate/verify the debt owed as it is not allowed under the HIPPA Privacy Rule.

15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Product: Vehicle loan or lease

After extensive research found that lendmark financial securitized my promissary note without my knowledge entering me into a investment contract required a down payment in cash mixed with a consumer credit transaction refused to allow me to recind the fraudulent contract with them and are using sub par lending practices to defraud me of my right to rescission they endorsed my promissary note received payment for the product and entered me into a retail installment contract they are in clear violation of the equal credit protection act the federal reserve act and consumer protection act which are all codified under title 15 of united states code and ucc laws as well as hjr 192/ public law 73-10
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute reguarding my personal information on my credit report. I found a name that was incorrect and I also found two addresses on my credit report under ( Personal Info ) that I have never lived at. None of which have been resolved or addressed. I need the specific name, telephone number, and address of a person or agency, or ANYONE who I can contact to finally resolve this issue. So far, I have n't found anyone who is capable of accomplish a resolution. Now, I know there is someone out there some where, who IS very capable and very competent to address this issue and successfully resolve the dispute. If you would so kindly please give me THAT PERSON 'S name, number, and address, I would gratelly appreciate it. Thank You. The two addresses that are incorrect and need to be removed from my ( Personal Info ) off my credit report are : 1. XXXX XXXX XXXX . XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, CA XXXX The name that is incorrect and needs to be removed from my ( Personal Info ) off my credit report is : 1. XXXX XXXX Thank You so much for your help and I look forward to hearing back from you. God Bless ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE DISPLAYING THREE CLOSED ACCOUNTS THAT ARE DISPLAYING LATE PAYMENTS THAT OUGHT BE MITIGATED FOR THE COVID-19 DISASTER AND MY WIFES XXXX  AND XXXX  XXXX THAT BEGAN XX/XX/2019 AND LASTED ABOUT A YEAR. 
THE XXXX ACCOUNTS ARE XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX. ALL THREE ACCOUNTS HAVE BEEN PAID IN FULL INCLUDING ALL INTEREST AND FEES AND WERE NOT SETTLED OR NEGOTIATED FOR LESS DUE TO HARDSHIP OR NEAR BANKRUPTCY. 
MY WIFE BECAME XXXX  AND XXXX XXXX IN XX/XX/2019 AND RECEIVED XXXX FUNDS AT THAT TIME FOR A PORTION OF THE YEAR LONG ILLNESS GOING INTO THE TIME FRAME OF THE COVID19 PANDEMIC. 
Our current household income of XXXX was reduced to my salary of XXXX during the year of XX/XX/2019 for about a year total till my wife was able to work as a XXXX  PART TIME. 
Due to the staggering loss of income, my wife 's inability to care for herself or the children, we moved in relatives with us to help and I footed that expense as well. 
We are asking for some mitigation on the unintentional lates caused by XXXX and pandemic and the fact that we made good on our total debts even though it was almost impossible and Bankruptcy looked like the opnly sensible action. 
We have disputed these accounts many times providing information but are limited by space for explanations. 
The lates were caused unintentionally, primarily by acts of XXXX.please mitigate the severe harm taking into consideration my situation and the fact that you were paid in full without compromise.The lates are harming my ability to buy a much needed home for our growing family and the damage they inflict to that loan process I feel is not deserved.