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

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I used my credit card with a 0 % APR introductory offer for my purchases, which lasted for 15 months. However, I received no notification that the introductory period had ended, and suddenly, I was charged interest. I contacted Capital One to request the removal of the interest charge, but they refused. In response, I filed a complaint with the company and paid off the entire balance, except for the interest charge of approximately {$130.00}. Despite this, I received another interest charge this month, even though I had already cleared the balance on my account.
Product: Mortgage

My husband and I both lost our jobs in 2008. We immediately called our mortgage company - XXXX XXXX XXXX. We were told that we would not be eligible for any assistance with the issue until we were 90 days delinquent on our mortgage. We used all of our savings to keep the payments current as long as we could. Once we became 90 days delinquent we called them again to seek assistance. We were then told that we DID'NT MAKE ENOUGH money to for a mortgage help. After missing a few more payments - we XXXX found new jobs! So with our first pay checks we sent in a full payment- It was accepted. At that same time we asked XXXX for some kind of help or modification to help us get caught up. We were then told that we made TOO MUCH money to receive any mortgage assistance. In desperate effort to get caught up we sent in a second full payment 2 weeks later ( we decided to not buy food or other essentials to scrape it together XXXX. The actual check was returned to us uncashed stapled top a letter saying that we were too far behind now and were in foreclosure. After many months and with the help of XXXX XXXX and XXXX XXXX XXXX - on the day before or home was to be auctioned we received a mortgage modification packet fro XXXX. Desperate to keep our home - we signed it. Basically, all it did was tack the back payments and fees onto our loan. So we began making payments. We lost our jobs for the second time a few months later. With no more savings from our first job loss I assumed our home was surely lost. We are still here but after many, many submissions of requests for mortgage modifications - we are now in foreclosure again. I do n't why it has taken so long. Also, during the past few years I looked into a short sale and learned that due to the previous mortgage modification and decline in home values the appraised value of our home is about {$80000.00} under what we owe on our mortgage. So, I have also requested a mortgage modification that includes principal reduction to no avail. My goal is to get a mortgage modification that includes principal reduction to a fair market value on my home. WE are now able to make payments and would like some help with the matter. I would alos like an investigation into my many attempts at requesting mortgage assistance because I suspect that at some point in all of this we must have been eligible for assistance but our paper work was either purged or not even actually considered. If this is true then we would not be in this situation in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act., VANCE & HUFFMAN XXXX XXXX has violated my rights. 

15 USC 1661 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 an account without my written consent or instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On around XX/XX/22 a person I thought was XXXX was not she was a scammer. Took XXXX off my cash app and bought bitcoin without my permission. She was in my cash app and took the money. I am just sick about it it was my house taxes for this year. Three days later I talked to Cash App they said they would investigate but never got back to me. Just want my money since it was their app that she was in. I thought she was in my phone but I have an I phone and the phone company said she wasnt in it.But she was in app.
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/2022
Product: Debt collection

The statute of limitations for debt in Florida is five years. A creditor has five years to sue you for the money you owe. Most debts are based on written agreements and the statute of limitations period for contract actions is five years. This particular company has been harassing me for a car that was given back to them and also its been more than 5 years. I need the company Exeter Finance LLC to follow the accounting principles of the GAAP.
Product: Credit reporting or other personal consumer reports

On my credit report, a late payment has been inaccurately reported for my XXXX XXXX account. The reported balance is {$0.00}, and the account status is listed as " Pays As Agreed, '' which contradicts the presence of any late payment notation.

I have consistently met my payment obligations, and this discrepancy is unjustified and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit bureaus must be accurate, complete, and verifiable. Since the account reflects a XXXX balance and no outstanding debt, any late payment reporting is inconsistent and should not exist.

I am formally disputing this erroneous late payment and request that it be immediately removed from my credit report. If the creditor claims this late payment is valid, I demand full documented proof of its accuracy. Otherwise, in accordance with FCRA guidelines, it must be deleted promptly.
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express
permission of a court of competent jurisdiction, a debt collector may not communicat

e with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, an d tenant screening services. Information in a consumer report can not be
provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX
Product: Student loan

Over the last few years Navient has not been willing to help me reduce my payments so that I able to keep up with payments to avoid negative reporting on my credit. They would send letters saying call and call me several times a day telling me that they would help with lowering my payments and discuss repayment options and when I would call they would tell me that my monthly payments could n't be lowered. Since 2012 XXXX XXXX/Navient has asked me to pay almost {$900.00} per month, {$730.00} for the private loan and {$130.00} for the federal loan, which is absolutely impossible to pay based on my income and the need to have money to pay for a place to lay my head and eat. I called last Thursday to let them know that I would be in school full time and they told me to send proof from the school, this was the most help I have received in years from Navient, however, that still does n't lower my payment and I will be in the same situation when the semester is over. It has been simply impossible to even try to catch up based on the payment amount requested therefore continuing to damage my credit.
Product: Debt collection

Recently I looked at a copy of my credit report and noticed inaccuracies on my account, This account is hurting my ability obtain credit, Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried contacting Transunion to remove fraudulent inquiries that I did not authorize. The inquiries I tried to remove are listed below : XX/XX/XXXX XX/XX/2020 XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXXXX/XX/XXXXXX/XX/2020 XX/XX/XXXX XX/XX/2020 XXXX XX/XX/XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020 XXXXXX/XX/XXXXXX/XX/2020XX/XX/XXXX XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XX/XX/XXXX XXXX XX/XX/2020
Product: Debt collection

In XX/XX/2023, I located a man off of XXXX interested in purchasing some mattresses. I met with the man in XXXX Tx at his place of business to look at the mattresses. We went forward with the sale and he took my social security number, bank information, employer, and driver license information to get me approved for the loan, Once I was approved I put down {$50.00} to start the initial payment plan. The guy told me that he would deliver the mattresses to my home but it would be an additional {$75.00}. I paid him the {$75.00} delivery fee gave him my address and expected to see him later on that evening after he left XXXX XXXX with his family. The guy never showed up to my home with the mattresses. I would call the number listed on the paperwork, but I got no answer from him. AMERICAN FIRST FINANCE ( loan company ) started taking biweekly payments from my bank account of {$210.00} totaling {$250.00} a month. I tried to explain to the company on several occasions that I dont have their merchandise so I should not be charged. They only told me to keep reaching out to the guy that sold me the mattress and it was nothing they could do. AMERICAN FIRST FINANCE took money from my bank account from XXXX - XXXX. I am requesting for my money back for product not received as well as removing the fraudulent account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and to lodge a formal complaint against EXPERIAN, XXXX, and XXXX regarding multiple unauthorized hard inquiries on my credit file. I have not given consent, nor have I authorized any individual or entity to access my credit report. The entities responsible for these unauthorized pulls must be held accountable, and I expect a full explanation as to how my personal information was accessed without my explicit permission. 

XXXX XXXX  : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; Experian XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX ; XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions # XXXX ( XXXX ). XXXX  Amount is= XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount is XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I request validation of debt based on the below laws : 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty days that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within thirty days, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit card or prepaid card

I was searching for a ticket on XXXX from XXXX to XXXX in XXXX XXXX and found a ticket and booked it using my HSBC credit card. The merchant ( XXXX ) advertised the ticket as single itinerary on XXXX, but they booked it as 2 separate itineraries. Breaking a itinerary into multiple itineraries is deception, and it creates multiple issues with baggage, connecting flights, and visa requirements in transit country. If 1st flight is delayed, then 2nd airline does n't give me a automatic seat on next flight. 

The airline taking me from XXXX to XXXX could not see in their system that my trip was ending in XXXX not XXXX. And airline taking me from XXXX to XXXX could not see in system that my trip was starting in XXXX. Both the airlines in the itinerary told me that they could not see the other airline. 

XXXX deceived and frauded me. XXXX refused to fix their mistake or to refund the money, so I filed dispute with HSBC credit card department within 5 hours of receiving this 'deceptive ' itinerary from XXXX. HSBC agent advised me to book another ticket while they work on the refund. So then I booked another itinerary using my XXXX credit card, and completed my travel. In XXXX XXXX, HSBC refused to remove charge or do chargeback saying merchant XXXX XXXX XXXX had won the dispute, and that I would have to sue XXXX in XXXX XXXX court directly to recover the funds.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXXXX/XX/year>, I submitted documentation of resolution letter from XXXX to Equifax, XXXX and XXXX. 
I have called XXXX, XXXX and Equifax and they have have reviewed the letter but they all say XXXX is furnishing this information which is inaccurate.even after I have sent this over several time.
Product: Credit card or prepaid card

PayPal Extras Mastercard enrollment me involuntarily in a card security program tbey were billing me for monthly. When I noticed these charges, they removed me from the program but were only willing to offer a partial credit for the prior charges. The fee was getting incrementally larger every month and it seems they count on people not noticing while they collect their fees for this service and later refuse to refund you for this. They claim I signed up for it when I applied for the card ; however, I wouldn't have knowingly opted in for this. So, apparently, they are deceptive about how they enroll people as well. When I messaged and called to cancel, PayPal referred me its card security division, which seems like a third-party altogether because they didn't have direct access to my PayPal account and had an old address on file despite my having updated my address in my PayPal account . As well, they initially send you to a website to cancel, which requires you to log in or sign up. However, if you didn't sign up to begin with, as in my case, you won't have credentials to sign in obviously. These are fraudulent and bad business practices. Consumers should beware.
Product: Checking or savings account

On XX/XX/2023, I made a {$1600.00} cash deposit on the drive through ATM at the CitiBank branch located at XXXX XXXX XXXX XXXX. Upon the trial, the machine only gave me a slip saying that there was a technical error and that it could not give it to me back. 

I contacted customer service and its been more than 2 months since the occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

not getting any response after numerous request and disputes I am writing to request the method of verification for dispute initiated and the subsequent response received by XXXX : 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX  Please remove it from my credit report. 

Please send the following information used to verify the validity of items above. 

The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence ; Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) I demand removal.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Sincerely,
Product: Credit reporting or other personal consumer reports

I have sent numerous disputes and request for the reporting of these accounts to be proven and removed from my XXXX, XXXX, and XXXX credit reporting bureaus. I have yet to receive any updates or letters validating these accounts or balances. It has been more than a year that I have requested this information be removed from all XXXX of the above mentioned credit bureaus. I need help getting the debt collection agencies listed below to comply with the consumer reporting laws and hope that you can help me. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery XXXX Portfolio Services