23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I was told by a GoFinanical rep at the company that by law only 5 late payments can be removed and that they would be removed & that hasn't taken place. I have disputed with all 3 credit agencies that the inaccurate would be updated and that still hasn't happened. The company is now XXXX and the reps/supervisors are saying they don't have any record of what I was told.
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 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU 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 collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Wellsfargo and XXXX XXXX XXXX XXXX refuses to send me a 1099 for the charge off amount of a vehicle loan that shows charged off on my credit report. This is fraud because they have gotten a tax credit for this amount wrote it off and refuse to remove it off my credit report during XXXX they refused to give me additional payment options for XXXX victims I have sent certified letters asking that this deft be removed from my credit report on XX/XX/XXXX and XX/XX/XXXX. I had a data breach with XXXX leaking all my personal data and won so I ask that all the debt showing on all XXXX my credit reports be removed due to this data breach!
Product: Credit reporting or other personal consumer reports

This account was opened from XX/XX/XXXX to XX/XX/XXXX. I should have active payment history from XX/XX/XXXX to XX/XX/XXXX, but EXPERIAN reported from XX/XX/XXXX to XX/XX/XXXX. It also reported another conflicting date of last payment of XX/XX/XXXX. It again reported active payment history from XX/XX/XXXX to XX/XX/XXXX, with inconsistent payment history and conflicting balance. This is inaccurate payment history reporting. This inaccurate information falsely manipulates my credit worthiness and is hurting my ability to obtain credit. EXPERIAN failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the Account name : XXXX BANK.
Product: Mortgage

Three months ago I requested that NationStar mortgage stop deducting the optional insurance from my mortgage. I even provided the necessary cancellation number they requested from the home warranty company, they still continue to deduct the insurance. it is now XX/XX/XXXX, they are still deducting the optional insurance from my mortgage. I have never dealt with a worse mortgage company. I ca n't get them to stop. I have called them. I do n't know what to do. I 'm on Social Security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I noticed you are preparing and reporting a false consumer report about me which defames my character and general reputation with the intention of extorting money out of me. I do not recall giving your my written permission and consent to do this. If i did such thing may you please provide me with it immediately Also, it is an inconvenience to me when your company contacts me, or communicates with me through any medium other than the CFPB. I refuse to pay this alleged debt!! Please CEASE & DESIST all further communications with me, my family, my friends and employers; relating to anything in regards to me. IF you wish to communicate with me and me only please do so ONLY through the CFPB. 

I am aware that the documents you are going to provide is NOT verification of the alleged debt. 
verification of a debt is not an account statement or any of the documents you are going to provide. 
If you wish to validate the alleged debt I would like to see the actual accounting ledger which shows the source of funds being loaned out. A moneynet daily transaction log AND a binding contract between Amsher collection services & I. 

If your company can not provide this, then the debt can not be validated and you are legally required to delete the accounts from my consumer report. 

Also, could you please show me where a contract says that I agreed for non public personal information and/or transactions to be furnished on my consumer report? I would also like to see that you guys provided me with an option to Opt-out from such reporting. delete the account from my consumer report because it is false misleading inaccurate and is defaming my character and reputation causing me not to be able to obtain future credit because of such false reporting. Your company actions are unfair to me and deceptive... if you can not show the required verification, you are legally required to delete the account from my consumer report. 

I am only giving your company XXXX  DAYS to complete such request. notice is considered given upon receipt of this email. 

please provide me with all the above documents/information I asked for so that I am able to verify that the debt is accurate, if you can not provide such please delete the accounts from my consumer reports immediately. I also would like to see that i gave you my permission/consent in your initial communication with me ( because you do not have the initial communication as required by law ) that you were able to prepare a report of my consumer character and report on my consumer credit report. If you can not provide the same then you are in violation of the FDCPA and are liable to me for my harm and actual and statutory damages. 
in the event that we can not come to an agreement, I will pursue this matter with arbitration or counsel. 

**Please Note that I have forwarded your company and I responses to the CFPB, attorney general and comptroller of currency** YOUR COMPANY HAS XXXX  DAYS TO COMPLETE SUCH REQUEST OTHERWISE I WILL FURTHER THIS MATTER IN COURT AND/OR ARBITRATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB - CARD SERVICE Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Debt collection

I have no knowledge of this account, and am unsure of the debt. I have not received a notification to initiate a dispute for this information, 809 ( a ) of the Fair Debt Collection Practices Act. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute. However, I have not even received the information, regardless of when it was mailed out, and it is affecting my credit report. I want this information to dispute the debt, and receive validation of this supposed debt that I have no knowledge of.
Product: Credit card or prepaid card

I was able to get a manager to resolve my issue personally ( at least the most recent occurence ) ; however, I believe this is a much bigger issue.

Care Credit offers interest free financing on Vet purchases over {$200.00}. I have had an unusually sick dog and have used my Care Credit card often with the interest free financing. I have always paid my balances and stand in good credit with them. I noticed on my last 2 statements a Minimum Interest Charge of {$2.00}. I called to determine what that was. I was told that 3 statements ago I had a {$56.00} charge from the Vet and even though over the past 2 statements I have paid {$1300.00} my payments were not fully applied to the interest barring charge instead the majority of the payment went to the interest free balance. That does not seem fair to the consumer. I am not sure if there are guidelines for this is the industry, but I do not believe this happens with my other cards. The other companies like Lowe 's will apply your payment to the non-deferred interest charges first and then to the deferred interest portion. I assumed as an accountant this is how all companies would process the payments therefore I always made sure I paid the full non-deferred portion of my bill plus payments to the deferred balance. Little did I realize this is not how Synchrony Bank ( Care Credit ) applied their payments. Who knows how much interest I have been charged over the years that I did not catch. This time they were charging me {$2.00} on a balance of {$1.00} they had left on that piece of the bill. They told me if I know there is a non-deferred balance I would need to call to have my payment applied to that piece. I think this is very dishonest of them and deceptive to their customers. It is just wrong. I love the card and the benefits, but the ethics behind their payment application is wrong.
Product: Credit reporting or other personal consumer reports

We have contacted XXXX, equifax, and XXXX  to update our address and name. They have not updated any info from their bureau
Product: Money transfer, virtual currency, or money service

Bank of AmericaClaim ID : XXXX Claim amount : {$XXXX} Bank of AmericaClaim ID : XXXX Claim amount : {$200.00} Bank of AmericaClaim ID : XXXX Claim amount : {$52.00} Bank of AmericaClaim ID : XXXX Claim amount : {$200.00} I purchased online XX/XX/2021 to purchase costume for {$200.00} and {$52.00}. {$1.00} and {$6.00} are international fees. Purchase costume is used for street parade art performances on XX/XX/XXXX and XX/XX/XXXX. The purchasing agent promises to arrive in the United States within XXXX days. The package has been delivered but arrived are not on time and not needed anymore. So I requesting for refund. 
I contacted purchasing agent directly to get shipping confirmation after ordering on XX/XX/2021. But purchasing agent did not give response. Until XX/XX/2021 The purchasing agent told the buyer the required shipping fee, so I then remit {$300.00} immediately, which is not enough, then increase the remittance {$200.00}. {$6.00} and {$9.00} are international fees. Total items and fees is now {$780.00}. 
The buyer contacted the purchasing agent on XX/XX/2021 for shipping details. I requested a refund if not shipped yet on XX/XX/2021 at XXXX AM. Contacted conversations included in separate page. 
On XX/XX/2021 XXXX AM the " XXXX '' of agent purchasing said : " already shipping, tracking number : XXXX ''. In fact, the package is not shipped at this time. According to the agent purchasing tracking system, it shows : " Document Clerk : XXXX XXXX, the printer Clerk, is delivering the package for you. '' it is XX/XX/2021 at XXXX AM. Until XX/XX/2021 at XXXX PM, the agent purchasing tracking system showed " Your package has been shipped from Panli and it be expected to arrive within XXXX working days I called the customer service of Bank of America as early as XX/XX/2021 in the morning, requesting the bank to investigate the transaction that the buyer requested to cancel due to the deliberate delay of purchasing agent, and return the mandatory transaction payment. The package has been delivered to the buyer 's address on the afternoon of XX/XX/2021. The package has not been opened because the scheduled holiday performance time has been missed. I am waiting the purchasing agent to provide a return label and address of their warehouse to return the package. 
The decision not to refund is unfair to the buyer, so the next step is to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alpine Credit Company keeps putting different dates when Services were supposed to have been rendered so they don't fall off after 7 years they also have sent me hard copy that has no dates or amount that are listed on my credit report so figures and dates keep being changed so I don't even know who has been paid or who is owed I have not seen a doctor for my XXXX in over 5 years because of this error on their behalf they keep showing up on my credit reports.
Product: Debt collection

XXXX AND XXXX Has Illegally Tried to Garnished My Wages and Claiming that it is WRIT OF EXECUTION AGAINST GOODS AND CHATTELS in The State Of New Jersey { Whatever That is } This is the Second Time this Fraud Try to Come at Me with Threats about Debt. That I have No Knowledge about. They Also Put that Debt on MY Credit Report Which Impacted My Scores Severely. I have Never Done any Business with This UNSCRUPULOUS Attorney. Nor Have Signed any Contracts with That Fraudulenyt Company. At this time I want RUBIN AND ROTHMAN LLC To : CEASE AND DESIST FROM CONTACTING ME in all Forms, MAILS, EMAILS, TEXT, PHONE CALLS, ETC. 

AND TO CALL THE CREDIT REPORTING AGENCIES TO TAKE THAT COLLECTION OFF MY CREDIT REPORT UPON RECEIPT OF THIS COMPLAINT.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Date Opened for this account on XXXX is XX/XX/year> XXXX The Date Opened for this account on Experian is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, XXXX and Experian failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX Please remove this item from my report the incorrect and inaccurate information from all three of my credit reports, XXXX, XXXX and Experian
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX I have been reaching out to Experian and XXXX regarding incorrect public information on my credit report since XXXX XXXX XXXX. EXPERIAN and XXXX continues to claim the public record has been verified but continues to not send me their method of verification or stating that a third party company XXXX XXXX has verified this information. According to the Federal Consumer Reporting Act ( FCRA ) information has to be 100 % accurate, correct, and verifiable by the ORIGINAL CREDITOR which it continues NOT TO BE! I also have documentation stating that the court house does not verify these things and they keep saying its verified. I have filed a complaint with the XXXX as well. If this is not resolved in XXXX days I will have no choice but to take the next steps per my legal consul and seek up to XXXX in damages and I will submit a complaint to the FTC. This is currently affecting me from purchasing a home and I am a XXXX XXXX with no place to go this is messing with my livelihood.
Product: Vehicle loan or lease

I've been working for the last few months to join the XXXX. my vehicle was repossessed on XX/XX/XXXX, I signed my active military orders on XX/XX/XXXX. The finance company is asking me to pay half of the balance XXXX out of XXXX to reinstate the vehicle and then they will set the account up on scra. According to everything I am reading on your website the account either qualifies for scra or it doesnt, the finance company admitted it does qualify for scra but they wont treat it as scra unless XXXX dollars is paid to them first. This is abusive and unfair practices on behalf of the lienholder. I have requested that they release the vehicle back to me and set it up on XXXX and I will bring the account current and continue to make my payments but they refuse and say I still have to pay the XXXX dollars before they will treat it as scra account. Also they are saying that the vehicle can or may have already been sold at the auction. They are refusing to place a hold on the sale pending the outcome of this complaint.
Product: Credit card

Discover claims to offer " price protection '' guarantee in which they reimburse you the difference for an item if a lower price for the item is found within 90 days. I purchased an Apple Watch from the XXXX XXXX for full retail price of {$400.00}. Just a few weeks later, numerous big retailers such as XXXX XXXX for {$100.00} less. I made my purchase using the Discover Card, thinking that I 'd be covered in such a case, as promised. 

After weeks of mind-numbing waiting on hold, resubmitting the same documents, and being told contradictory information, Discover ultimately declined to honor their price protection guarantee. I provided receipts of my original purchase, along with evidence of the new lower price. In fact, the newer lower price has been everywhere, so it would n't take more than a Discover employee bothering to take a look. 

Customer service is of lackluster standards, and as someone who uses services from numerous other financial institutions, I have a lot to compare to. It is near-impossible to reach a customer service representative who is willing to help you at all. Nearly all of them will claim that they can not help you on your issue, but wo n't bother to transfer you to anybody who can. Or will even incorrectly transfer you to further waste your time.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX Dispute Department To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

AAG represents themselves as Pros. Per section 604 of the FCRA, companies need to have permissible purpose to pull a credit report. AAG purpose is to verify credit to qualify clients for loans. However they do not pre-qualify clients and then quickly and wrongfully pull credit reports. AAG represent themselves as Pros working on behalf of the FHA BUT they do not spend two minutes investigating if the person has a house that would qualify for an FHA loan. The consumer then pays for AAG 's inadequacies. XXXX XXXX then made the statement We were working off the information we had available when they are to be the pros.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Banks and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XXXX XXXX, XXXX
Product: Debt collection

I AM WRITING TO UPDATE MY CREDIT REPORT WITH THE CORRECT INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE FOLLOWING CHARGES ON MY CREDIT REPORT. ALL CORRECT INFORMATION FOR ALL 3 CREDIT REPORTS ARE SUPPOSED TO BE 100 % ACCURATE. THE INFORMATION IS INCORRECT. TO PROTECT MY ACCOUNT I INCLUDED THE ACOUNTS, DATES, AMOUNTS OF THE IDENTITY THEFT OR INCORRECT INFORMATION. ALL CREDITORS LISTED ARE RESPONSIBLE FOR UPDATING MY FILE. THANK YOU
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$0.00}.