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

I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

4 HARD INQUIRIES Have taken place on my credit, someone obviously has my SSN and it looks as though they are trying to secure a loan and obtain an apartment! UGH! I took a screenshot of the inquiries, then set up fraud alerts with all 3 credit bureaus. PLEASE TAKE THESE HITS OFF MY credit & adjust my credit score accordingly. I am trying DESPERATELY to raise my credit and I'm a homeowner I'm not trying to get a loan or an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately new my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Vehicle loan or lease

I bought a new XXXX XXXX on XX/XX/XXXX. The finance officer tried to sell me several add-ons but I told her that I wanted no extras. She uploaded all docs onto a flash drive and I returned home ( 3 hours away ). When I checked the drive, there was nothing on it. I called them the following Monday and left 3 messages, none of which were returned. I drove back ( 3 hours one way ) the next day and signed 2 cancellation docs totalling {$4500.00} in charges. It took them 3 months to credit my account the complete amount. I messaged the finance company a few times during this period. After the funds were returned, I asked them to credit my account any interest that had accruied on the {$4500.00}. They said they couldn't and I asked why. I never got another reply.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX Account Type : Unsecured Loan Account Number : XXXX Balance Reported : {$0.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide complete verification of the debt upon request. No verification has been provided for this account, yet it continues to be reported derogatorily.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory reporting has not ceased. This is a clear violation of federal law.

3. Inaccurate and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to ensure maximum accuracy of reported data.

The balance is reported as {$0.00}, yet the account is listed as a Charge-Off and in Collection, which is misleading.

Comments indicate that the account was purchased by another lender and sold to XXXX XXXX XXXX XXXX, yet no valid verification of the transfer or sale has been provided. 
Reporting an account as a loss by the credit grantor while simultaneously showing {$0.00} due is contradictory and creates inaccuracies. 
XXXX. Duplicate Reporting of Charged-Off Accounts : The comments state this account was sold to another lender ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX suggesting a potential duplicate account could be created for the same debt. This practice is misleading, as the original account should no longer report if sold. 


Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I submitted a claim because I noticed fraudulent transactions both credit and debit from the merchant XXXX XXXX XXXX XXXX then proceeds to debit the credit transactions ( {$4300.00} ) and stated I am liable for the debit transactions ( {$4600.00} ). This made absolutely no sense because they reversed the credit transactions but deemed me as liable for the debit transactions. ( This also put my account about {$4000.00} in overdraft, and I have no way to pay this off as I am an XXXX XXXX XXXX XXXX student ). I then call chase the following day and spoke to another claim specialist. The claim specialist then files me a new claim stating that the previous claim was filed wrong. He tells me that he is 100 % certain that this claim will be approved. 2 days later the claim is denied. I call chase again and they told me to contact the merchant and ask them to reimburse me for the lost funds. I contact the merchant ( XXXX XXXX XXXX XXXX ) and they said they can't reimburse me for the lost funds and to file a claim with my financial institution. I call chase again and they tell me to upload documents so your claim can be be reasserted. I proceed to upload documents from the conversation between me and the merchant and they have stated that I have been compromised. I also uploaded documents stating the age you have to be to use XXXX XXXX  which is 21 years in New York. I currently live in New York, lived here my entire life and I am XXXX XXXX XXXX so I can't even use XXXX XXXX. XXXX then looks at the documents I submitted and state that they are not good enough. Now im completely in shambles because my account is {$4000.00} in overdraft and I have no money to buy necessities like schools books and other things. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting XXXX XXXX bank and all the credit bureau to fix my credit report to be clean. I never missed any legitimate payments. I always make my payments on time. My account with XXXX has been misused by someone and I am still in contact with XXXX XXXX to investigate these transactions so everything can be fix and resolved but the kept reporting the debits to the credit bureau. I dont owe those therefore I am not responsible to pay for it. I want XXXX XXXX bank to stop reporting negative on my report till they investigate the transactions on my behalf. I want my credit score to be clean and go back to the how good it used to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding XXXX XXXX XXXX XXXX, SC XXXX Account # XXXX XXXX XXXX XXXX This account was originally XXXX XXXX XXXX XXXX and is over XXXX XXXX XXXX. After I explained my permanent hardships to them my account was charged off, closed and removed from my credit report XX/XX/2023. LVNV bought this account XX/XX/2023 and put it on my credit report with no supporting documents sent to me. I had no knowledge of this until it appeared on my credit report XXXX of 2023. I have messaged this company twice on their website and have also called them to no avail.I have never received a bill, itemized statement, notice or phone call about this debt. It is so unfair for them to put this on my credit but have absolutely no correspondence with me at all. Also details about my account on my credit report are missing. No data available till XX/XX/2023. There is nothing more I can do with this matter. I live on SSDI benefits only. There is no other means of income.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the 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

I have filed a dispute in regards to incorrect information on my credit report from Experian regarding an account with XXXX XXXX XXXX  that is not my account. Its on my Experian credit report ONLY. It was removed from XXXX  and XXXX  Credit Report. It has been over 60 days and I haven't received any investigation results.
Product: Mortgage

Recently we refinanced through XXXX XXXX and they sold the loan to PHH Mortgage Services. After our loan was sold to PHH, the service on our mortgage account has been horrendous. They do a terrible job of communicating and applying our payments. XXXX XXXX  sent us a letter on XX/XX/XXXX after our refinance was complete. It gave the address of where to send the first payment to PHH and the due date of XXXX. So I set up the address on XXXX XXXX pay and sent the first mortgage payment on XX/XX/XXXX. PHH did not get the payment posted for XXXX until XXXX!! I called XX/XX/XXXX to find out where our money was because it cleared out of our XXXX XXXX  account. The PHH call rep said, " Nothing will post until after XXXX because we still don't have your account all set up. '' The payment for XXXX posted on XXXX. On XX/XX/XXXX I sent the second payment. It was also applied on XXXX. The statement we received from PHH on XXXX showed the second payment was applied to the XXXX payment. So no additional payment was required until XXXX. So I did not send a payment for XXXX. Today I just received in the mail two items from PHH. One is a refund check for the XXXX payment I sent. They coded it as " For Misapplication Reversal. '' The second item was a bill showing us past due for the XXXX payment. I am beyond frustrated with their terrible service!!! I am looking to refinance with a better mortgage company. It is unacceptable and my credit score better not be impacted as a result of this inept company!! I have called the PHH XXXX # numerous times and have been disappointed in their lack of knowledge. Plus, I get a different address to send payments to each time. I have no trust that they can manage my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

A-L financial corp auto account was closed and paid in full with all the interest on 2020. They had submitted information to XXXX that i had delayed payment for 2 months past 30 days resulting the account status to reflect as potentially negative on XXXX. Keep in mind the account is paid in full and closed. The payment was asked to make at their physical location as still show on their website at XXXX XXXX in XXXX XXXX ca. That office location was closed one day without any prior notification to me and they moved to somewhere far from where i resided back then. when called to make the payment they prefer only cash or XXXX XXXX transfers making is really hard for anyone to make those payments when they did not answer calls and move the physical location to elsewhere without prior notice to loanees. I am in the process of buying a house and i do not want this company after taking all the money and more interest while i was harrased at work and at home almost resulting in XXXX XXXX is now reporting unfavorable statement to XXXX. I had disputed it but the results came back as it satisfys FCRA regulations. I would like to see what proof they have to support FCRA regulations. As per 15 U.S.C. 1681 section 602A states i have the right to privacy.

15 U.S.C. 1681 section 604A section2 also states a consumer reporting agency can not furnish account without my written instructions. If no action taken i will reach out to legal counsel and contact AG office against AL financial Corp for malpractices while conducting a business and harassing consumers to the point of XXXX XXXX
Product: Mortgage

V A Loan 3/1 ARM  2.375 % - with adjustment period ending  XXXX   XXXX ,  XXXX . Loan holder -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  Utah,  XXXX  Loan Number  XXXX .   Loan Servicer  XXXX    XXXX   to date ; Loan Care   XXXX   XXXX    XXXX ,  XXXX   XXXX , VA  XXXX .   Loan #  XXXX .    Loan Servicer   XXXX   XXXX  to  XXXX   XXXX .  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NC  XXXX  Loan #  XXXX .   I never received required legal disclosure per  12 CFR 1026.20 that the  interest rate was going to change until  XXXX   XXXX . I was required to get notice at lea st 210 but  not later than 240 days prior to the adjustment period ending. This was also stated in loan documentation. I called  XXXX   XXXX  and they told me it was the loan servicer 's responsibility. I calle d Loan Care  and they told me told me to check  XXXX   XXXX . I reviewed of all documentation ever received from  XXXX   XXXX  and there was no disclosure. I sent certified letters to  XXXX   XXXX   XXXX  and  Loan Care e arly  XXXX  stating the rate needs to stay the same 2.375 % for at least another year.   I received a letter from  Loan Care  dated  XXXX   XXXX , received  XXXX   XXXX , stating the interest rate was going to change  XXXX   XXXX  to 3.375 %. I need help getting both companies to keep the interest rate at 2.375 % for another year and to ensure they send me the required disclosures on time in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX I had filed a complaint with Experian because of the fact that the written off amount was greater than the balance due so I wanted that issue verified with the furnisher if not removed from credit report because of the misrepresentation that it was demonstrating. It ended up coming verified but to my surprise that account now appears duplicate on my credit report with two different balances and written off amounts. 
The first original account that is still present on my report shows a balance of {$8100.00} with a write off of {$8500.00} The added account to my report shows a balance of {$8500.00} and a is written off amount of {$7600.00}. 

I am attaching exhibit A from the month of XXXX  that shows that the duplicate account was not present before, along with Exhibit B stating how that duplicate account appears now on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 

This account does not belong to me. I was added as a temporary authorized user and was previously removed by the primary account holder of this account. I have attempted to rectify this issue with the company to no avail or proof providing this account was opened by me and belonged me.
Product: Credit card or prepaid card

My credit line was decreased without warning on XX/XX/XXXX. First, I reached out to the company via chat on XX/XX/XXXX about requesting my limit be reinstated ( as you can imagine the decrease affecting my XXXXredit score ). They told me to call a specialist. I did. The specialist told me to mail a letter. I mailed a letter on XX/XX/XXXX via certified mail from USPS. I did not receive a reply so I messaged again today on XX/XX/XXXX. Once again, I was informed to speak to a specialist. On a recorded line for 36 minutes. This specialist first told me that they can not access the credit limit decrease letter as the letter is confidential. I was confused as Citi was the one who sent the letter yet the credit specialist could not access it. Then the specialist told me to reach out to XXXX, but the letter clearly stated, Even though the reporting agency provided the information, it had no part in our decision and will not be able to provide specific reasons why we reduced your revolving credit limit. I became frustrated because I could not comprehend how you can not assist me with an explanation when it was sent from Citi. He then began to say that the reason my limit was decreased was due to late payments and to again contact XXXX. He stated there was nothing he could do to get my limit reinstated when the last specialist clearly told me to write a letter- all of this on recorded lines of course. I just checked my XXXX credit report- all of my payments since XXXX are on time for this account! It is clear that Citi would not properly explain the reason for the decrease and shifting responsibility to the credit bureau when nothing was in fact reported by them to have Citi make such a large claim.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?
Product: Credit reporting or other personal consumer reports

I'm resubmitting my dispute letter due to lack resolutions or actions. Again, the other Bureaus are not reporting this fraudulent information. I'm a victim of XXXX XXXX and this information is not mine. Please delete fraudulent information from my credit report immediately