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

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal
Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my student loan on a income contingent status I submit my pay stubs and household income and information in 2016 my account was reported as 90- 120 days late I called to inquire about this and was told since I faxed in several pay stubs for the month there was a confusion about the amount I really earned and they calculated me making 3 times the amount of my actual income I thought the account was at a payment of {$0.00} dollars monthly when I was changed to a payment of over {$300.00} dollars a month I was not made aware of this change and when I did realize it and called the company handling my loan they fixed my payments but my account still shows that my account was 90- 120 days late keeping my credit score from increasing. I would like to resolve this and get this delinquency removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I want all late payments, missed payments, charge off removed from my credit report.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX XXXX  Account number XXXX I am writing to request the removal of an auto loan account currently listed on my credit report. This account, which shows no payment history, was originally flagged as a duplicate alongside another account that was recently removed due to its inaccuracy. Since the initial duplicate account has been successfully removed, the remaining account now lacks any historical data or activity and appears redundant on my credit report. 

Given that the removal of the duplicate account was based on its erroneous duplication, the second account should also be removed to ensure accuracy. The continued presence of this account, without any supporting payment history or activity, misrepresents my credit profile and unfairly impacts my creditworthiness. Maintaining this account serves no purpose, as it provides no meaningful information to potential creditors and only perpetuates a previous error. 

I kindly request that the credit bureaus promptly remove this account from my report to maintain the accuracy and integrity of my credit file. Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I used this company before and I need to pay people and now I can't
Product: Vehicle loan or lease

I opened an auto loan with Credit Acceptance corp. Due to a repossession in my past I was told I would need to allow them to install a vehicle tracker in my car. This did not seem unreasonable at the time but since then I have learned they are able to remotely disable my vehicle and will call me, sometime 7-8 times an hour, requesting payment of a late fee or service fee even though according to my credit report, I have made all of my payments on time since XX/XX/XXXX of last year. I am often confused about the nature and origin of these fees but will pay them out of fear that I will be stranded or not able to get to work. I have asked to move my billing date to allow me to get caught up and remain in good standing with my loan but they refused and the seemingly random fees make it impossible to get ahead. I feel as though I am being held hostage and have no idea if what they are doing is legal. Please help me.
Product: Credit reporting or other personal consumer reports

A late payment is reporting to Transunion and XXXX. This information is inaccurate and show be removed
Product: Debt collection

Jeffcapsys debt collector has my information and posting it to my credit saying I owe them money. I never had a XXXX  phone they said the open date on my credit they said XX/XX/XXXX but then they sent me information to my house a letter to my house saying that the account was open and XXXX of XXXX the original date so that means that theyre lying about the actual date and they have the wrong address and phone number that I never had before the amount for {$700.00} and this is messing up my credit 15 USC 1692G they can not post or have or buy my credit information to harass me or send me mail to my property without my permission and the address that I have theyre saying that the address that I am at now is the address where the phone bill came from but on the letter it says something different on my credit file it says XX/XX/XXXX and it says balance updated XX/XX/XXXX. This is fraudulent. I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

I received a XXXX XXXX refund. However, it was sent to my old Best Buy Citi account that has been closed. I am sending proof of receipts showing, I was sent the price match refund for my tv. I was told a check would be mailed out with in 3-5 days. It did not happen. My XXXX XXXX refund went to my old Best Buy Citi account ending in XXXX. It should have went to the card ending in XXXX per the receipts. I had a tv go out and took out the 5 year warranty. Best Buy gave me {$1200.00} towards a new tv and l upgraded to a more expensive tv paying the difference of {$1100.00} as shown in the receipts. Again, the {$600.00} XXXX XXXX refund was suppose to go to card ending in XXXX original payment method for that {$1100.00} difference I paid from for the difference. This has been going on for MONTHS with no resolution to this day. Citi says the account was credited on the old account that was closed and I had a balance. Not so, I filed that account in a bankruptcy and was XXXX a few years ago. Citi has no business keeping this account active and not fully closed. Apparently, this scenario has happened to many other customers. Best Buy themselves see this happen frequently. This is very wrong for Citi to continue these practices and get away with it. My local store has been working with me trying to get this resolved. They can not get any where with it. Initially, Best Buy said to contact Citi. I did and opened a dispute. Only for them to send me a letter saying to take it up with Best Buy directly. They are passing it back and fourth leaving me in the middle with no resolution to this day. Citi even acknowledged themselves yes, they received the credit and posted it to that old/closed account ending in XXXX. That is not their money to keep and posted it on the wrong account. My next step is small claims court. It's a slam dunk case and I have all the documents to prove it. Even more documents if requested or needed. I don't want to go that route as this can be easily addressed. Citi is just being difficult for what ever reason.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX Balance Owed : {$70000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$71000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$11000.00}.
Product: Mortgage

Mortgage is an ARM. Bank is required to send an estimate of the new payment. In XXXX, the interest rate adjusted for the first time, but the bank failed to give ( correct ) estimate before the first payment at the new rate was due. 

XX/XX/XXXX Bank sends letter stating " new monthly payment '' will be at an " Estimated Interest Rate [ of ] 3.000 % '' and the " Estimated Total Monthly Payment [ is ] {$7900.00}. '' XXXX Bank sends letter that LIBOR will no longer be used and the bank will let mortgagee " know in advance about any rate changes, including when they'll start and how they'll impact the payment amount. '' XXXX Bank sends letter reaffirming " new monthly payment '' will be at an " Estimated Interest Rate [ of ] 3.000 % '' and the " Estimated Total Monthly Payment [ is ] {$7900.00}. '' XXXX  Grossly contrary to previous letters, Bank statement reflects new Interest rate of 7.500 %, and a Total amount due of {$11000.00}. 

XXXX  Requested a bank rep, over the phone XXXX, to send a copy of the letter stating 7.500 % would be the new Interest rate and {$11000.00} would be the new Total due. 

XX/XX/XXXX Bank instead sends copy of XX/XX/XXXX letter reaffirming " new monthly payment '' will be at an " Estimated Interest Rate [ of ] 3.000 % '' and the " Estimated Total Monthly Payment [ is ] {$7900.00}. '' XXXX Again requested a bank rep ( XXXX XXXX, over the phone XXXX, to send a copy of the letter stating 7.500 % would be the new Interest rate and {$11000.00} would be the new Total due. XXXX states the previous letters are just " estimates. '' However, mortgagee replies and points out that the letters also state, " If the index changes by the time we calculate the exact amount of your new interest rate and payment, that amount may not match the estimate above. IF THAT HAPPENS, WE'LL SEND YOU ANOTHER NOTICE WITH THE EXACT AMOUNT OF YOUR NEW INTEREST RATE AND PAYMENT XXXX MONTHS BEFORE YOUR FIRST NEW PAYMENT IS DUE. '' XXXX states the bank sent no such notice and she will escalate, but no further contact from the Bank was received on this matter.
Product: Debt collection

Wakefield & Associates mailed me a letter stating that they are a collection agency looking to collect a debt for a third party. They also stated in the letter if I dispute the debt they must stop collection on any amount I dispute until they send me more information. I sent 2 letters, one with a stamp ( XXXX XXXX ) and one certified ( XX/XX/XXXX). Attached is the certified letter return receipt. I mailed this dispute off XX/XX/ and I have proof with this return address receipt & tracking number stating they received my dispute letter, but claim they have not. However, according to the XXXX tracking history, tracking number : XXXX the letter was signed for and picked up at the post office XX/XX/. I have not received any response and therefore as stated in the original letter Wakefield sent me, they must stop collection on the debt until they send me more information. However, XXXX XXXX I was notified that Wakefield put a collection on my credit report, and I'm very frustrated. I complied with the letter request and my credit profile should not be compromised because of the mishandling of my dispute letter by Wakefield. I called and spoke with several Wakefield representatives and none of them was of help, all saying my letter was not on file, and had no knowledge of this being in dispute. However, on my credit report it says account information disputed by the consumer meets FCRA requirements. 
I would like this collection removed immediately.
Product: Prepaid card

I have a {$100.00} AMEX gift card. Tried using it at several shops and online stores, adding it to my XXXX XXXX, adding to XXXX, etc., none of it worked. Called multiple customer services phones, no solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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  '', " have 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

n accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX US EDU/ Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX XXXX XXXX/ Account XXXX XXXX XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXXXXXX XXXX XXXX/ Amount $ XXXX Account XXXX XXXX Closed XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXXClosed -Account # XXXX Remove Immediately I have sent several request.!!
Product: Credit card or prepaid card

Submitted my Keybank credit card payment a few days late. They hit me with late charge the day it was due. I was late due to being in hurricane XXXX. No internet, phone, power etc. I called them as soon as I could find cell service. The guy did say he saw that the payment transfer was in the process. Said he would not remove late fee because in XXXX I had requested a 2 day payment extension when I was hospitalized. says hurricane or not I am only entitled to request late fee forgiveness once every 12 months. No way I could have gotten anyone a payment during this mess. Lucky enough to have survived.
Product: Credit card

On XX/XX/XXXX I had called Barclays Credit to see why I have not been accruing points. A very nice person named XXXX told me about an offer where I would be able to obtain a loan from Barclays for {$4000.00} I was told that this process would take 2-3 days and the money would be in my account. This was told to me as an incentive as opposed to a balance transfer since the speed to which I would get my funds would be 2-3 days as opposed to 7-10 business days. I was also told that my APR would be 0 until XX/XX/2016. 
I submitted this request with XXXX on XX/XX/2016 and was told that I was approved and to expect the money in my checking account by the end of the week. This was not the case. I called Barclays several times and was told that I was misinformed and that this is considered a balance transfer and would take 7-10 BUSINESS days not regular days. Im am upset as this is clearly a UDAAP issue as I dont have the funds and there is a hold on my account for {$4000.00}. In addition I was told that my current account would start to accrue apple points and it has not. This is not fair and extremely deceptive. In addition they told me the request was placed on XX/XX/XXXX which is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX**** ; XXXX/XXXX XXXX**** ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX**** ; XXXX XXXX ( Original Creditor : XXXX   XXXX XXXX XXXX XXXX ) XXXX**** and XXXX XXXX XXXX   XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not update my world finance and XXXX XXXX account to show XXXX XXXX instead they will hang up and not fix the issue
Product: Debt collection

I am enrolled in a XXXX XXXX XXXX program. XXXX, a representative of Republic Finance, is calling my wife and I two and three times a day leaving voice mails and he has been calling my daughter XXXX, at work. She has asked him to cease and desist his calls to her but he ignored her and yesterday,XX/XX/2016, he called her four ( 4 ) times at work! 
( She Does XXXX ). When he calls, he does not state who he is with and will not disclose the information when asked. My wife is in poor health, XXXX XX/XX/XXXX from the VA because of my XXXX health. 
This Harassment needs to STOP NOW! He has gotten on my LAST NERVE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX XXXX XXXX XXXX XXXX ) mortgage company put my account on certified funds when it should not have been. When an account is on certified funds automatic billing is supposed to be removed and stopped. XXXX continued to automatically draft payment in XXXX off 2022, when their policy stated they would no longer automatically draft payments for accounts in certified funds. 
This led to me being put back on certified funds in which i made payments on time via USPS Priority Express Mail which is next day arrival. 
The late payment for XXXX proof was given that I mailed the check in on time and the post office did not deliver the mail that i paid to have delivered the next day causing this XXXX up. 
Experian XXXX and XXXX were notified of all of these errors out of my control but still have not adjusted my credit file. These late payments should be removed from that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

What the XXXX is going on? I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 but to this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XXXX I submitted a FTC report to XXXX/Equifax regarding two accounts that were established due to identity theft or fraud without my knowledge. Along with my FTC report I included a copy of my drivers license, utility bill, and a updated request with my correct personal information which included my name, date of birth, social security number, address, and etc. I received a letter on XX/XX/2020 which stated XXXX  was not able to process my request do to my social security number not being legible. I find this response from XXXX  unacceptable due to the fact my social security number was typed ( not written ) on my FTC report as well as my updated personal information request. XXXX  is violating the Fair Credit Report Act and also my consumer rights by not providing 100 % accurate verification and also not honoring my Federal Trade Commission report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), 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 reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Name
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX which represented American Honda Financial services, agreed that if I paid {$830.00} that it will update my credit report account status from " Derogatory '' to " Paid '' for acct # XXXX. The name of the rep was XXXX XXXX XXXX and spoke around XXXX for 15 minutes on a recorded conversation and have made the payment on that day. Today, I have recently reviewed my credit report and American Honda Financial s still reporting inaccurate information with reports of " Charged-Off '' - XX/XX/XXXX. XXXX  XXXX is still reporting account status " Derogatory '' instead of " Paid. '' After all attempts to communicate and file other reports they have repeatedly ignored my request to correct reporting information. This inaccurate reporting has put my credit in subprime category. I have settled this account as " Paid as agreed '' on my end and American Honda Financial has failed to honor their part. I feel I have wasted alot time through hours of phone conversations, mislead, and taken advantage of. I am seeking legal guidance on what is best action of approach. Thank you
Product: Money transfer, virtual currency, or money service

I was scammed by a hairstylist through cash app. I reached out to cash app and they basically told me they couldnt do anything. Cash app let people take your money out your account but wont refund it back out the same account. They run as a bank with having a checking account and routing number but yet they will not dispute a scam even after you have proof. You can not talk to anyone on the phone. She deleted her interactions but before she did I took photos of everything.
Product: Credit reporting or other personal consumer reports

THIS IS NOT MY ACCOUNT AND SHOULD NOT BE REPORTING ON MY CREDIT I WANT THIS REMOVED IMMEDIATELY.
Product: Debt collection

I have contacted this company and requested they provide some type application or security agreement that I completed to show how this account was initiated. And they will not provide it. They keep saying that the company confirmed a name and address ; and provided a bill that does not have my address on it.