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

The issue that I'm having with the credit companies is that the Bankruptcies which are dismissed on there, they are not willing to removed them. I have worked with XXXX XXXX in which they have sent them several letter pertaining to the issue and they still are not willing to removed them off of my credit report. After I talked to the Bankruptcy court they stated that they never provided them with any information about the Bankruptcy in which when I called Transunion they told me that the court provided them information about my bankruptcy. I just want them taking off since I never when through with the Bankruptcy I just only filed them and that's it nothing else was done. There was not payment made or anything. It states a XXXX balance and dismissed.
Product: Debt collection

I did receive this letter few days ago and nearly paid for the requested amount because my wife got a traffic violation recently. Then I noticed the date and drivers license number which do not match. I did call XX/XX/XXXX to a number written on top of the page, which I found from XXXX County web site. I called from my cell phone at XXXX. I was told that the ticket was issued for someone with birthyear of XX/XX/XXXX. I do have a son born that year, however he has not ever resided in the address with me. I did ask him about it, he can't say for sure if it is for him and he seem to think that he has paid any and all traffic tickets he never received. Makes me worried, did some one steal my ID? If my son did not pay for his ticket, is the skip tracer making costly mistakes? What other information do they have about me? Could they damage my credit? Do they have my sos. sec. number? Should I be worried about my taxes? These are some of the questions I tried to ask on a phone without any success rather than additional questions. I do believe that sending threatening letters to random or wrong people is a violation of the fair debt collection practices act 1977.
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Accounts name : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX  XXXX {$910.00} XX/XX/XXXX XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX  XXXX. 
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 an 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 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 was the primary signature on a lease agreement for XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX Mo. The leasing company uses a number of company names to conceal the true identity of the principal owner ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, et al. The lease agreement ended on XX/XX/2020. I met the obligation, giving XXXX days notice to terminate the lease on that date and all monies due on termination, were paid by me. My son, who was the secondary signature and the person living at the apartment, sought, through verbal agreement, to extend his stay until XX/XX/2020. The lease agreement clearly states that management has no authority to amend the agreement unless it is in writing. When I became aware of the verbal agreement, I immediately contacted the apartment management, in writing, informing them that I was not party to this extension, and that any rent due from XX/XX/XXXX to XX/XX/2020 ( {$800.00} ) was a matter between XXXX XXXX XXXX and my son. My son did not meet this payment obligation. The Apartment Management in turn, billed me for the outstanding rent of {$800.00} and, when I refused to pay, they sent the bill to the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX reported my non-payment to the credit agency, Equifax, who in turn lowered my credit rating ( XXXX  ) from XXXX to XXXX. 
The unmerited actions by XXXX XXXX XXXX and XXXX have damaged my credit reputation. I have provided XXXX and XXXX with full details of the case. Both XXXX and XXXX have used intimidation tactics hoping that their shakedown methods will bring me to my knees.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention several violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following entities : ACCOUNT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations of FCRA : Right to Privacy ( 15 U.S.C. 1681a ) : I am concerned that my personal credit information has been mishandled by these entities. Specifically, I believe there has been unauthorized disclosure or mishandling of my credit data, which breaches my right to privacy as protected under the FCRA. The act mandates that credit information be handled securely and only disclosed under permissible circumstances.

Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : I have discovered that these entities may have reported my credit information without obtaining written consent from me, as required by this section of the FCRA. This is a clear violation of my rights, and I request that an immediate investigation be conducted to determine the extent of these unauthorized disclosures.

I request that you provide a detailed explanation of how my credit information has been used, disclosed, or reported, including the parties involved and the basis for any actions taken without my written consent. Furthermore, I ask that any inaccuracies or unauthorized disclosures be promptly corrected, and that you confirm to me in writing that these violations have been addressed. Please also ensure that any negative information resulting from these violations is removed from my credit reports immediately. 

I trust that you will treat this matter with the seriousness it deserves and will take swift action to resolve these issues in compliance with the FCRA. Please respond within 30 days of receipt of this letter to confirm the steps taken. 

Thank you for your prompt attention to this important matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I previously disputed the accuracy of this account and its reporting. Equifax responded on XX/XX/XXXX, stating that XXXX XXXX XXXX XXXX had furnished the data accurately. However, I have identified a critical inaccuracy that needs immediate correction. 

According to XXXX XXXX XXXX XXXX XXXX, my XXXX payment was received XXXX or more days late. However, my Equifax report shows that the XXXX payment was 60 days late, with no indication of any XXXX late payment in XXXX. This discrepancy violates XXXX XXXX. XXXX ( j ), which mandates that consumer reporting agencies ensure the accuracy and completeness of the information they report. 

Given this inaccuracy, I am requesting the immediate removal of this incorrect 60 day late payment in XX/XX/XXXX from my credit report. The reporting inconsistency brings into question the accuracy and completeness of the file, and as such, it is imperative that this matter is resolved promptly to ensure compliance with federal regulations. 

I have enclosed copies of relevant documents supporting my dispute, including previous correspondence and the disputed credit report entries for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, Equifax announce that 143 million Americans have had their information stolen during a cyber-attack which occurred in XXXX. Equifax reportedly discovered the breach on XXXX XXXX, over a month after it happened and waited until the XXXX of XXXX to inform the public. However, they have still not informed those affected. Equifax created a website where individuals can enter their name and SSN to see if they were affected. However, the websites reportedly generates random results and an incorrect SSN and name pairing still results in a response. 

Equifax should face severe repercussions for their mishandling of the American people 's sensitive information, the utter lack of timely communication, and the misleading and inaccurate responses they are giving through the new website.
Product: Checking or savings account

I contacted XXXX  XXXXXXXX XXXX XXXX  to adopt a puppy. I sent payment payment for the dog and shipping fee. The deposit was paid on XX/XX/year> for {$320.00}, shipping same date foe {$220.00}, on XX/XX/year> final payment of {$230.00}. 
On the day the dog was supposed to be shipped I was contacted to send {$1800.00} for crate rental and {$2500.00} for shipping insurance in total on XX/XX/year> {$2800.00} was sent. There was no dog delivered as this company is a fraud. Once I realized it was a scam I contacted well Fargo to report the scam/fraud and open a fraud case. My case was denied, when I called to dispute the denial I was told I cant dispute it and the outcome would be the same. I also contacted XXXX XXXX  bank who is affiliated with XXXX to report the fraud and scam they also said they would not file a report. I also filed a federal fraud report.
Product: Payday loan

I had a loan with Speedy Cash and I paid it off in full on XXXX XXXX, 2015. The funds were always available in my account on the day of withdrawal. After the loan was paid off they then stated I owed a late fee of {$88.00} because my payments were not on time. Their system did not take the payments on time, the funds were always there. I called them and they said that it was going to go to the accounting department and they would get back to me. They did not get back to me but instead tried to deduct the funds from my account. At that point there were no funds in the account and I was charged an NSF of {$29.00} due to this. I called them again today and they stated that I owe it due to payments being late. I asked them how it was my fault their system did not take the payment on the due date? I was informed that I had to pay this late fee regardless. I told them I was not going to pay it and they were no longer authorized access to my account. I am sure tomorrow they will try again.
Product: Credit card

My name is XXXX XXXX, I filed an arbitration against Transworld Systems , Inc., however, I have received a notice from the XXXX XXXX XXXX, informing me that Transworld Systems , Inc., failed to comply with the XXXX  policies regarding consumer claims, out of compliance and therefore XXXX can not process any arbitrations with Transworld Systems , Inc. This means they are not only in breach of contract with me but with every other account, Transworld Systems , Inc. is servicing. I am requesting the Consumer Financial Protection Bureau launch a class action against Transworld Systems , Inc. on behalf of all other consumers. This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting
Product: Vehicle loan or lease

I took out a lease in XX/XX/XXXX with American Honda Finance.all my payment were made on time with no issues. I completed the lease and returned it. I never received any documentation from American Honda notifying me over the mileage/ damage fees. I was made aware of it when they reported a late to my credit file I immediately called them to find out what it is they then informed me what it was for and paid right away. They have a late reported on this account a 30 day late in XX/XX/XXXX. This is not accurate since I was never made aware of these fees.
Product: Credit reporting

I filed a complaint to concerning the credit reporting practices of the XXXX credit bureaus. Equifax , is still reporting my credit score unfavorable, with out any justification supported by the Fair Credit Reporting Act. My Score dropped by over XXXX points, the reason. I use over XXXX percent of my credit card balance. 
I have been working on fixing my credit score for over 7 years, and it has been an up hill battle. I would like to purchase a home however, the unethical reporting practices by Equifax has drastically hindered my progress. 
I need this corrected immediately.
Product: Vehicle loan or lease

Was not able to refinance and now they say I owe XXXX more payments.
Product: Student loan

My student loans were forgiven in XX/XX/2022. XXXX XXXX counted 186 eligible payments at the time of forgiveness and told me I would get a refund for the 66 over-payments within 6 months. No refund was issued. During this time my account was transferred to MOHELA. 

I saved the only information XXXX XXXX offered users. 

I contacted MOHELA who now holds my account, but they say that they have no information at all. I spoke with several of their customer advocacy professionals and sent them the documentation that I have and they said that FASFA made the determination to backdate my forgiveness to XX/XX/2022 and to issue no refunds. The representative ( XXXX ) told me that FASFA determined my 120th payment in XXXX of XXXX, but made no mention of the excess 66 payments. She said to contact www.studentaid.gov to reconsider my forgiveness/refund. When I contacted studentaid.gov, they told me that MOHELA and/or XXXX XXXX determines the forgiveness and that I would need to contact MOHELA. 

This back and forth has no solution. I spent many hours over many days to speak with a MOHELA representative and they told me they have no information about my loans. When I provided the information that I had from XXXX XXXX, they said that it was not sufficient. The information seems be withheld.
Product: Credit card or prepaid card

on XXXX, my XXXX account was fraudulently obtained, and I was locked out by someone in XXXX. My account had my business credit card used for this account for advertising and a total of 8 charges of {$100.00} each were made using my credit card. 

I tried to report this as fraud on XXXX to Axos Bank both through their main number and fraud department. I found it strange that there long hold times for both departments, in excess of over 60 minutes so I called back the following day to report card as stolen. I also spoke with Fraud Department however there were unable to provide any details on the process, the time frame, or answer any of my questions I had regarding how and when I would recover my stolen funds. I was assured that I get a return call to answer my questions. No returns were made I made numerous calls again to both fraud department and main numberevery time there were extremely long times. I left with spoke 4 customer service representatives over a 2-week period to understand the process and timeline to obtain my stolen funds. Each time I was provided with assurances that someone would be reviewing the details and returning my call within 48 hours. No one ever returned any calls. 

I contacted the customer advocacy department and had assurances that their customers were important, and he would be calling me back within the next 3 business days. No return call so I called the representative back a week later asking for any updates his response was I left you a message last week and we you need to wait for the investigation to be completed which can take months. That is all I can tell you My concerns are vast : This organization has no concern for their customers, may face liquidity problems which would justify their unwillingness to examine a fraud case, support a fraud investigation process that is not a process in anyway and will result in an outcome that will no recover any of my stolen funds. 

This organization has no advocacy for their customers, an unwillingness to provide the service for fraudulent charges as they agreed to and a culture that lack clarity, accountability, and humility. I need your help to recover these funds of {$800.00}.
Product: Credit reporting or other personal consumer reports

Hi, Department of EducationXXXX XXXX XXXX reporting inaccurate information on my credit report. There are three loans reflecting the dates of XXXX and XXXX. That is still appearing on my credit report with all three credit bureaus. I have disputed this numerous times and XXXX XXXX XXXX keeps updating over XXXX loans. This is affecting my credit and putting a hindrance on my purchasing my XXXX and newborn a new home. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX dated opened have different dates on XXXX and experian XXXX opened date XX/XX/XXXX experian opened date is XX/XX/XXXX high credit is different from XXXX then experian XXXX high credit is {$6500.00} experian high credit is {$0.00} date of last active is different from XXXX then experian XXXX last active date is XX/XX/XXXX experian last active date is XX/XX/XXXX please delete this account for multiply inaccuracies.
Product: Mortgage

I closed on my home in XXXX 2015. When looking for my home we made it very clear to the real estate agent and the mortgage broker what our monthly payments can not exceed. Yesterday I saw a letter from the mortgage company that my escrow account is short {$3100.00}. This would increase my monthly payment to {$2200.00} from {$2000.00}. I can not afford the lump sum payment not the additional money on the mortgage payment. How can the mortgage broker grossly underestimate the escrow amounts? The mortgage broker was recommend to us from the real estate agent. We talked at length and after some research he had the best mortgage rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeated dispute XXXX XXXX inaccurate information that's on my credit report and Experian has repeated refused to correct my credit report despite evidence that the information could not be true. The last disputed result on XXXX shows the inaccurate information remains. Experian can not substantial that result with the evidence I provided and again include here. Specifically, on XX/XX/2016 when XXXX XXXX reported my account charged off for nonpayment, my account was current and all past due payments had been paid prior to that time as evidence from my Bank statements from which XXXX XXXX electronically withdrew the funds. Only Experian appears to be able to " validate '' the accuracy of this reported information, not even XXXX XXXX has been able to do so before this XXXX. I filed a complaint with this Bureau and after months and many extension of time, XXXX XXXX is unable to verify and attest to the accuracy of the information they provided to the credit reporting agencies. This Bureau is still awaiting a response from XXXX XXXX. 
>>>>>>>>> Similarly, the other credit bureaus were unable to validate the information received from XXXX XXXX and their investigation led to the deletion of the inaccurate information from my credit report. They were provided with the same evidence that Experian received and which I will once again attach here.
Product: Vehicle loan or lease

I have a problem with American Credit Acceptance reporting to all credit agencies that I owe them {$8000.00}. I finance a vehicle XXXX XXXX XXXX and because of financial difficulties due to XXXX of my wife and lost income, I informed American Credit Acceptance I could no longer keep up the payments and I would voluntary surrender the car back to them. They took the car back and they are still reporting I owe them {$8000.00}. The original amount of the loan that was financed by them was for {$7000.00}. I paid {$2000.00} cash down payment. 

I want them to show that I owe them nothing because they have the car in their possession and they are adding more money to this account every month. 

I feel they are trying to mess up my credit. I need your help in getting them to correct the damage they have already did thus far to my credit. 

Waiting for your reply, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of my account and the subsequent removal of late closed accounts. I believe there may have been an oversight in the handling of my account, and I am seeking your assistance in rectifying this matter promptly. 

I recently opened an account with Credit Bureau and I have observed a delay in the activation of my account. The delay has caused inconvenience, as I have been unable to access the full range of services and benefits associated with my account in a timely manner. I kindly request an investigation into the reasons for the delayed account opening and prompt resolution of this matter. 

Additionally, I have noticed that accounts closed by me in the past have been incorrectly marked as late closures. This has negatively affected my credit history and financial standing. I would appreciate a thorough review of my account history and the correction of any inaccuracies related to the closure dates of my accounts. 

I understand that errors can occur, and I trust that Credit Bureaus is committed to providing excellent customer service. I kindly request that you conduct a comprehensive review of my account history and take the necessary steps to rectify the issues mentioned above. I am asking fot your immediate assistance to correct or remove these accounts : XXXX XXXX XXXX XXXX Balance Owed : {$320.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : Experian XXXX XXXX