23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ph XXXX accXXXX, Im am a first time home buyer who have been victimized by M & T Bank. I was behind two months due to fixing issues to my home, M & T constantly harassed me to remodify my loan. I refused therefore the stated I owed money on my XXXX payment and simultaneously put my account into collections. The demanded that I pay an inflated amount of money and refuse to deduct the XXXX check. It is against bank policy to put an account into collection unless it is 90 days over due. Since then they have place my home up for auction and has refuse to right this wrong, please investigate. In addition The Dept of Financial Service of New your state has proof of my requests.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report as provided by TransUnion. On XX/XX/XXXX, I initially contacted TransUnion to address the following discrepancies in my credit report. Despite my efforts, there has been no response from TransUnion to date. I believe it is imperative to rectify these inaccuracies promptly. 

The following are the details of the incorrect information and the corresponding corrections required : The account with XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ) was never late. Please remove the late payment notation. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$23000.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$990.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$720.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$120.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$720.00} ) was never late. Please correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. During the purchase and financing process, I was told that the financing approval was dependent on the purchase of the vehicle warranty to protect the collateral and spare me any costs of repairs. However, once I agreed to purchase the warranty, I never received any information on obtaining service or scheduling repairs. I contacted the dealership and was told I would receive the warranty agreement and loan statement within XXXX days. 30 days later, I never received any information regarding the warranty or a loan statement to remit payment. I contacted the dealership to verify who financed the vehicle, and I spoke with the sales manager and was told that my financing was provided by XXXX XXXX XXXX and to contact them regarding payment and warranty information. I searched XXXX XXXX XXXX online and found a customer service number, I spoke with a representative and I was told my first loan payment was late. My payments have been 30 days late ever since that conversation. I called and requested assistance or a payment arrangement, and my requests have fallen on deaf ears. I have been assessed {$1400.00} in late fees, a {$200.00} repo fee ( This vehicle has never been repossessed ), and {$120.00} in ACH return fees totaling {$1800.00}. XXXX XXXX XXXX has also reported this loan late multiple times to credit reporting agencies, causing substantial damage to my credit score. As of today, I have paid this loan current. I also have another loan with XXXXXXXX XXXX XXXXXXXX XXXX that has never been paid. I am requesting relief and my credit history to be restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth complaint regarding the same issue : requesting a credit report that was provided to my insurance company on XX/XX/XXXX. TransUnion has only provided me with a copy of the report on XX/XX/XXXX. According to the Fair Credit and Reporting Act, I have the right to request a copy of THIS report that was provided to the insurance company. To date, I have not received this. Please provide me with a copy of the credit report dated XX/XX/XXXX. 

Please see previous complaints with the CFPB : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I checked my credit report and discovered discrepancies in the following accounts : XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXX XXXX XXXX  ( account number : XXXX ) XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXX  ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute
Product: Credit card or prepaid card

I disputed charges from XX/XX/2021. The company is saying I am responsible for items that were mailed to another address that I never ordered from XXXX. They ever stated I have 9 other charges on my card from this address, this is not true. The company advised me not to pay off the card until these charges were investigated, noe I see over {$80.00} on late fees they have added to this account. I have NEVER charged 9 times on this account because they shut the card off once a late fee is added and not paid in full. This clearly a fraudulent charge and I do NOT fell I should have to pay for items not shipped to me. I have spoken to this company and they refuse to remove these charges causing yet another drop in my credit score. This was supposed to help my credit, not make it worst. I am through with First Progress. I want these charges removed and a pay off amount so I can rid myself of these people. They are clearly taking as much money as they can from poor hurting people during a pandemic where we are already suffering. It is absurd what they are doing at a time such as this ...!!!!
Product: Credit reporting or other personal consumer reports

This is probably my XXXX complaint. I disputed the bankruptcy as being Inaccurate because your investigation keep finding th information as verified as accurate by XXXX XXXX XXXX XXXX cant verify information that does not exist so how is It you keep saying they did. Then your response is be specific but I have sent You letters from XXXX XXXX and the bankruptcy court that shows the information is not verifiable, and yet you turn a blind eye. So either you are not even reading the documents that are being sent, your agents are incompetent and needs training or not comprehending or you just referring back to the last investigation results or maybe you Like being paid off keep negative items on my report. Either way its unethical, not Fair credit reporting its affecting me an its illegal and violation of my rights as a consumer. So if you take a look at the attachments then you will know that you are inaccurately reporting information to my credit report. Im attaching documents which serves as proofs.

These proofs not only verify my identity but also provide the case numbers, and information from XXXX XXXX and us bankruptcy court they the information is not verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to use Experian 's online application to place a credit freeze. I filled in all requested information. After accepting my credit card payment of {$5.00}, a new screen said I could not place the freeze online. It said to upload additional information ( which it then said could not be done ), or mail in another payment with additional information. Neither XXXX nor XXXX made it impossible to place an online freeze. It appears that Experian is throwing up road blocks for its own self interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX-XXXX, XXXX, I informed Citibank that I wanted them to refund a credit balance on my account of a significant amount. This was a result of a balance transfer that was completed without pre-confirmation to me after I had already paid off the balance on that card. Initially I was told that it would take 2-7 business days to complete the refund. However, on XXXX XXXX I received a email message from Citibank indicating that it would take up to XXXX XXXX, XXXX for me to receive my refund. In addition, to the unacceptable length of time I have and continued to receive contradictory information from Citibank, including different times I can accept the refund and in what form. There is no reason for this hold or continued conversion of my funds.
Product: Debt collection

this compny is in violation of fcra policy by having no signed contracts and no proper debt validation per section 609 upon attempting to resolve this matter i was told i would be given this which was never done and shortly after was called and harrassed and even called a derogatory term for requesting proper debt validation ive also attempted to pay the original creditor several times in which i was denied the ability to pay
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX & XXXX XXXX Date of inquiry XX/XX/XXXX.
Product: Debt collection

I received a letter today ( X/X/17 ) from Collection Bureau of America stating that I owe {$36.00}. It notes the Current Creditor as XXXX XXXX XXXX. The letter states that if I do not notify their office in writing within 30 days, they will assume the debt is valid. It then states that if I do not pay the debt within 30 days, they may submit a negative credit report to a reporting agency. It is signed XXXX XXXX, Debt Collector. I had never heard of XXXX XXXX XXXX before I received the letter. I 've certainly never had an account with them or owed them any money. After reading other consumers ' stories about Collection Bureau of America, I 've come to the conclusion that this is completely fraudulent. However, I am worried that they will submit a negative credit report like they said.
Product: Debt collection

I was contacted ( inappropriately ) via email regarding an alleged debt owed to an apartment community in which I was wrongly evicted. According to the initial notice, purportedly XXXX XXXX contends that they have permission to contact me via email. I totally disagree as I am unfamiliar with this entity nor did they provide verification that I consented to receiving communication via email. Notwithstanding, despite adamantly refuting the alleged debt owed and providing substantial proof to the contrary, they are in direct violation of the FAIR DEBT COLLECTION PRACTICES ACT and provided no valid proof to substantiate an alleged debt owed. Twice I provided adequate documentation to refute the allegations for which it was totally ignored. I learned that the debt had been placed in Collections on my Credit files via my Credit Monitoring Service. I had a rather not so pleasant conversation via telephone with the company to no avail. Presently, I am homeless and unemployed. I also retain a Government Security Clearance that is now in jeopardy due to the negative reporting of this Collection account further impeding my efforts to regain employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Adjusters ) # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I XXXX XXXX is showing an account with Westlake Financial Services that went into default back in XXXX. The account states that it will be removed in XXXX XXXX, which essentially means that the item initially went into default XXXX XXXX. I believe that the timeline has been moved forward, and that the item should be removed immediately and permanently. The credit trade line for enforcement has passed and the timeline for it being maintained has surpassed the 7-year rule of the Fair Credit Reporting Act. Accordingly, this account should be deleted with all perspective credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problems is with XXXX XXXX  and Bank of America. My account were closed due to a fraud and its now 3years I cant open my account or get any credit card because its always say credit delinquencies so I need help to remove it. My account were used by someone who used it to do fraud so please help me to fix it Thanks
Product: Checking or savings account

After noticing unrecognized transaction on my account I contacted Chase Bank. Filed a fraud claim with them and the representative hung up. I then called back and spoke to another representative who stated the previous representative never filed the claim. He filed the claim but asked just about the same questions as the other representative but in a confusing way. After reviewing my account via the chase app I recognized that the claim had been filed twice although the representative stated that the claim had never been filed. I requested the second claim be closed. I was informed that there would be a provisional credit on my account within the next XXXX hours which never happened. I then followed up again the next representative said XXXX days. I also recieved multiple responses as to the state of my claim some stated the claim was closed and others said that it was opened as I now had XXXX claims with the same amount due to the poor customer service recieced from the first XXXX representatives. The next stated XXXX days and finally the last said XXXX XXXX days for provisional credit. I asked questions and referred to the mixed responses given by all the representatives and my claim was closed due to retaliation. I believe Chase is acting in bad faith and being bias towards their members as they are not providing a customer experience that is functional or even doing the things that tell their members that they would do. I am requesting that my fraud claim be reopened and actually investigated, provisional credits be issued during the investigation as promised as this is the right thing to do. I am honestly overall disappointed and wouldnt wish this on anyone else. Especially when Chase claims to put their members first. 

Best regards, XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased special order sofa from XXXX XXXX in XXXX XXXX XXXX by opening a XXXX XXXX Credit Card with the choice of interest free for 12 months if purchase is paid within that period of with monthly interest. I chose to pay off account within 12 months interest free. I was informed at the time of purchase the sofa could take up to 10 weeks to make. More importantly when I received my first bill in XX/XX/XXXX which I paid however I noticed that I had been charged interest and called customer service immediately. I indicated the wrong account was opened as this was done via telephone by the design specialist who I was certain requested the 12 month interest free account on my behalf. I was informed the matter would be investigated and it make take a few weeks. Upon receipt of my next bill the issue was rectified to a 12 month interest free account. During XX/XX/XXXX and XX/XX/XXXX I called to check on the progress of the sofa but each representative I spoke to could not locate an order for a sofa! Finally in XX/XX/XXXX after another call to locate my missing order a representative suggested I telephone the store. Which took several calls and emails to learn that the sofa was never started! After escalating the matter to XXXX  XXXX who put a rush on the sofa to be delivered by XX/XX/XXXX. 
It was my understanding that the I would have 12months to pay off sofa it was my intention to pay off the balance of {$1000.00} in XX/XX/XXXX. However upon receipt of my XX/XX/XXXX bill I was charged {$830.00} interest in XX/XX/XXXX bring the outstanding bill to {$1800.00}. I called customer service and spoke to a representative by the name of XXXX on XX/XX/XXXX who indicated that nothing could be done and the 12 month period starts on the date of purchase. None of the paper bills I received indicated that the interest would be coming due and or that if bill wasn't paid in full in XX/XX/XXXX I would be charged interest. I think the practices employed by XXXX XXXX are unfair and deceptive, additionally designed to mislead the public.
Product: Debt collection

I cancel this policy with progressive having already at the time that they bill me with this amount insurance with XXXX and even do I send them prove of new insurance and cancellation letter they still send me to collections and keep trying to get money from me and I dont owe nothing to this company at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BALANCE {$370.00} XXXX XXXXXXXX BALANCE {$3200.00} XXXX XXXX {$7300.00} XXXX XXXX {$4800.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX {$7300.00} XXXX XXXX {$3800.00} XXXX XXXX {$4100.00} XXXX XXXX {$3700.00} I have tried to get my student loans removed for 3 years due to the company I work for for the last 16 years is a NON-profit XXXX 
I have no luck, Also I attended XXXX XXXX which was involved in a Class action lawsuit due to defrauding the student. I ask for the loans to removed as well NO LUCK again.