23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute fraudulent accounts on my credit report, which I believe are a result of identity theft. The unauthorized accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had contacted chase about a plethora of false charges on my debit card. They issued a refund about a day after I had spoken with them. And then about a week later they revoked the refunds causing my account to be over drafted. Im owed over {$1300.00} from this incident. I contacted chase again and they just said to go to the authorities and that they couldnt do anything. They promised to send me information and send the recording of my conversations for the police. But they never sent me any of the info or the recordings of our conversations.
Product: Mortgage

I paid my mortage balance of {$1.00} in full via a XXXX billpay check on XXXX XXXX, 2016 to BSI Financial. BSI refused to apply my payoff to my account and instead continued to send me late fees XX/XX/XXXX on a {$1.00} balance!!! Upon speaking to a supervisor, I was informed that they could not apply the final payoff payment until I paid them {$41.00} to record the deed with the courts as PAID! I requested proof of this policy in writing which I never received. On XXXX XXXX, 2016, I sent the {$41.00} recording fee anyway so that I could be DONE with this crooked company who has refused to apply payments in a timely fashion for the last 4 years!!! Now, they refuse to still apply the final payoff of {$1.00} and refuse to complete the recording of my payoff with the courts and continue to send me late fees on {$1.00}! Why is this company still in business!!??
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.XX/XX/XXXX
Product: Debt collection

I have been receiving phone calls for months alleging a debt to XXXX. I closed all my accounts after I got married and had no debt. They have also begun mailing official looking letters requesting payment in addition to the phone calls. The company is called afni and is located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, IL XXXX and phone number is XXXX and www.afnicollections.com
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan with XXXX XXXX in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I paid every month and was not late once, EVER. As of this year I filed bankruptcy on XX/XX/XXXX Due to the issues I continually had with the car, my lawyer and myself thought it would be best if I included the car in my bankruptcy. I still continued to pay my car payment monthly up until the company came to pick it up from my home. My monthly payment was due on the XX/XX/XXXX of each month. I did not pay my payment XX/XX/XXXX because at this time I had already told them They could pick-up the car and that It would be included in my bankruptcy. My due date for XX/XX/XXXX would have been XX/XX/XXXX, they picked the car up XX/XX/XXXX. On XX/XX/XXXX they reported to the credit bureau as a charge off! 1. This should re reported as " included in bankruptcy '' OR " dismissed ''. This is not a charge off at all. I have told them about this and it still has not been fixed, I have also disputed this with Experian who is reporting this, and the dispute came back as " valid '' They said the company who reported the charge off ( XXXX ) certifies that the reporting is correct. How can that be? How can they report me as a charge off, when it should re reported as " included in bankruptcy. '' Also it is my understanding that a charge off has to be 120 days or five missed payments, in order to be defined as an actual charge off. When they reported this as a charge off, I was not even 30 days past due, I was only 2 weeks past due technically. Please look into and have this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit is taking a hit unneccesarily. I pay all bills on time and XXXX  out my credit card balances monthly.
Product: Checking or savings account

I am being asked to verify my account using 10+ year old phone numbers that I no longer have access to. I have money in my account I need to pay bills THIS WEEK. However, they are trying to force me to wait 7-10 days for a letter to verify.
Product: Money transfer, virtual currency, or money service

I tried buying a designer bag on XXXX and teh buyer promised me that will send the bag as soon as I sent the payment. After I sent the fee of {$350.00} the seller blocked me and dissapear. Since then I havent heard from them. I filed a claim from XXXX XXXX XXXX and they told me that they can retrieve the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I got a alert from XXXX that my balance increased on my XXXX XXXX XXXX XXXX to XXXX dollars which is Inaccurate. My current balance is XXXX a big difference. Per the Fair Credit Reporting Act in asking the credit bearus fixed this immediately and promptly. I took a screen shirt of the inaccuracies
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of XXXX accounts from XXXX XXXX XXXX on my Experian credit report. Specifically, the accounts with the following details are being reported incorrectly : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Experian is currently reporting these accounts as XXXX and XXXX  days late, while XXXX is reporting both accounts as paid as agreed with no late payments. This discrepancy violates your duty under 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of consumer credit information. 

Additionally, under 15 U.S.C. 1681a, Paragraph ( 2 ), Subparagraph ( A ), it is clearly stated that : The term consumer report does not include ( A ) a report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Since the alleged late payments are purported transactional data between myself and XXXX XXXX XXXX, they do not qualify as part of my consumer report under this legal definition. This further reinforces that Experian must either verify the accuracy of this reporting with physical documentation from XXXX XXXX XXXX or remove the inaccurate information immediately. 

If you can not provide such documentationsuch as actual payment history records from XXXX XXXX XXXX you are legally obligated to correct these accounts to reflect their accurate status : paid as agreed, never late ( PAANL status ). 

Under 15 U.S.C. 1681b, Experian is also required to ensure the permissible and accurate use of consumer information. Given that XXXX is correctly reporting these accounts as paid as agreed with no late payments, your records must reflect the same maximum accuracy. Any continued failure to correct this inaccurate reporting would be a direct violation of the Fair Credit Reporting Act ( FCRA ). 

If Experian is unable to provide verifiable proof of late payments, I demand an immediate correction to my credit file to reflect the proper payment status.
Product: Credit reporting

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question : 1 XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Automotive XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Utilities And Fuel XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this was Experian and they will not remove a bankruptcy that is far too old to be on there. 
Account Info Reference Number XXXX Court US BKPT CT GA XXXX. I have also called the US bankruptcy court in XXXX Georgia and they have no record of this. So I'm not sure how they are checking the dispute.
Product: Debt collection

On XX/XX/XXXX I contacted this firm to dispute an amount they are trying to collect from me that I do not owe. 

The woman in the phone kept asking for payment for debt my spouse incurred before marriage, thus I am not liable for paying. 

She refused to verify or validate the debt, saying I can only dispute it. 

She kept trying to collect debt that I do not owe.
Product: Mortgage

I have filed many complaints with SLS and with CFPB with regards to this matter. SLS has yet to correct this ongoing matter correctly, they keep perpetuating the matter and refuse to take responsibility in the fraud that they committed by granting a loan modification without my consent, communicating with the incorrect parties, communicating with parities that have no legal rights or obligations to the properties right up to XX/XX/XXXX even after the AG 's Office of MA notified them. My last complaint was answered by SLS by documents with no signatures. I was given blank. I requested copies of the loan modification to show signatures because I never signed any legal documents, I couldn't because I `was incarcerated. SLS also sent a very altered court document without the seal of the Court - because the document from the Court provided an end date for XXXX XXXX to be personal representative of the estate of XXXX XXXX XXXX XXXX. SLS has requested that I file a police report for identity theft but yet they have perpetuated this problem and have not taken any responsibility in this problem and provided me with documentation. SLS purchased this loan from XXXX loans in XXXX, sent a letter stating that nothing would change but yet a few months later SLS stopped taking our mortgage payments and requested payment in full completely ignoring their letter that they sent previously. SLS was not communicating with the legal borrower of this loan and made no attempt to do so and now they are trying to foreclose on this mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Inquiries appearing on my credit report.
Product: Credit card or prepaid card

I received this email at XXXX  on Tuesday, XX/XX/2018. I called the Customer Service number as instructed. I know it was early in the morning, but regardless of what time this number is called there is no option to speak to a person unless you go through a fraud claim and continually not push buttons so it will send you to a real person. Even if you get to an actual person, youre often disconnected when they try to transfer you to the correct department. This makes the caller have to go through the entire process all over again. There was no option for me to leave amessage, no number to text, or email address to message about this issue of a card being activated that was not me. Its an inconvenience to have to report card stolen or lost and then have to wait 7 to 10 business days to receive a new card with a new deposit on it. I am XXXX and I dont have time to mess with these unprofessional behaviors. There should be a way I can talk to a real person to find out what the situation is and if I do have to close this credit card number and receive a new card, get the process expedited.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit Bureaus took it upon themselves to report inaccurate information on my credit report. Most of the accounts that they have listed as derogatory, never was derogatory so how can they have 34 accounts listed on my credit report as delinquent when in fact they never was. This is causing me high interest rates when I apply for loans and they need to fix it the exact way that it was meaning verify the missed payments and if they cant verify missed payments, remove derogatory off each and everyone of my accounts and stop this XXXX XXXX none-sense because I am no fool when it comes to XXXX in America.actually these companies are paid to report false information and not correct information and when I had good credit they never reported correct information.
Product: Payday loan, title loan, or personal loan

I communicated with Spotloan representatives on XX/XX/19, XX/XX/19 and XX/XX/19. I signed my multiple loan contracts with this company, and have paid past debts with overdraft. However, I was unable to do that for some reason this time, and now I am still collecting unemployment. I thought I could get a hardship break and have requested to have all interest and other fees removed. I am currently 65 days past due and after 90 days my account goes to collections.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Vehicle loan or lease

My car was totaled and XXXX XXXX sent the payoff to Bridgecrest on XX/XX/2021. I was advised by Bridgecrest to wait ten business days for the account to be closed, which is stopping me from getting another auto loan. It has been ten days and my account is still open. I am also being asked for another loan payment which doesnt make sense if they have been sent payment for the remaining balance.
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents. 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

The company Jefferson Capital Systems is reporting that i owe a {$250.00} debt to them. They are reporting that the account debt was opened in XXXX. They are also reporting that I am making late payments every month. The ORIGINAL account was opened with XXXX was opened in XXXX. Will provide documentation for proof upon request. Theyre not only illegally reporting payments that are not being made and not scheduled to be made, i am in no way shape or form in contract to pay them, XXXX illegally sold my debt to them to collect, they are reporting completely false information as far as dates, etc.
Product: Mortgage

XX/XX/XXXX I reached out to my loan officer at Columbia Bank regarding payment deferral options. I did this because my partner and I 's business was shut down by a county and city order. Due to the initial uncertainity of the pamdemic I wanted to conserve money for operational costs that would be ongoing. The process was very simple, the loan officer emailed that I was qualified and sent a one page Change in Terms Agreement form ; attached. As a result the payment for XXXX, XXXX, XXXX, and XXXX were deferred and I resumed regular monthly principal and interest payments on XX/XX/XXXX. As I understood as stated in attached document. 

XX/XX/XXXX, by mail I received a paper statement, I immediately noticed my payments did not apply towards principal, only interest. Prior to the deferral agreement being executed, principal and interest were not in question. I reached out to the bank and was told that principal would not be applied until the accruing interest durning the deferment period was paid in full. I could not find nor was I informed of that wording in the new agreement. In order to get the monthly payments to be applied to principal, and interest, I immediately paid over {$2700.00} from my savings. This was my best option in order to stop the interest and get back on track. Now I needed to figure out how this happened. 

I have reread the Change In Terms Agreement as well as the subsequent explanation from the loan officer. I do not believe the document provided, nor the attached emails with the loan officer, to execute the loan, sufficiently explained the Change In Term Agreement. Nor to my understanding, resumed payments would not be applied towards principal and interest as they were prior to this agreement were properly conveyed to me by my loan officer. 

Had I been provided and properly explained all the information from the lender, to make an educated decision, I would have declined using the deferment as part of my strategy to get through the uncertain times of this pandemic. A consumer should be heard and appropriate considerations should be taken in to account by their lender. I have attached our correspondence and document regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been member for XXXX and Equifax and now weird inquiries in my account and not feeling safe with my information with Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt Premier XXXX/ XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus. XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the following accounts that were reporting inaccurate misinformationon my consumer file, and youseem to have mistakenly verified them as accurate. Maybe the source is unreliable, but i need you to perform a reinvestigation into these accounts and delete them immediately