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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXXXXXX {$690.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$280.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX  of the United States of America at the time the account was opened. I am a XXXX  XXXX. 
15 U.S.C, 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit file. These entries were fraudulently added as a result of identity theft due to a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have these items permanently removed from my credit report. 
Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX
Product: Mortgage

false statements re govt " projected to raise it ( interest rates ) SEVERAL times in 2019 ''. The Fed has no such intentions. Also there's the suggestion of skipping payments and taking cash out of equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax Dispute center for investigation and verification of a wrongfully reported account on my report. It has been over 30 days and I havent received any response or documents with any signatures or validation. 

Account : XXXX XXXX # XXXX
Product: Checking or savings account

I've been trying to change my address once for about 2 weeks. I contacted capone via chat and both times were useless. I contacting them via XXXX twice. Useless. I got a phone call from someone dating it was them who instead of addressing my issue tried to get personal information from me first. I refused and hang up. I filed a complaint with an executive. I got two emails from the office if the president that have not addressed my issue. I want my account closed. Confirmation sent to my address and removal from their marketing lists for all of capital one
Product: Debt collection

I 've tried contacting the agency that the debt was placed to inform them that the debt is not mine, as I 've never had XXXX XXXX  services. The debt is not mine.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. Im requesting a XXXX ( Cancellation of Debt ) from the following charged off account listed XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Experian NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXXXXXX XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The card was lost. some of the charges are inaccurate, they closed the account several years ago and charged it off. however they still continue to send me emails stating American Express recently sent me a communication about different settlement options that are available to help you resolve the balance on your account referenced above for less than what is owed. 

These offers are time sensitive so please click the tab below to review and select the settlement option thats right for you by XX/XX/2022. the account has been closed and charge off for several years. but they continue to increase and update the ballanc. the same on the account is spelled wrong. the charges on the account happen in XXXX. I to send me a original contract, the payoff disclosure and the Balance history, payment history to verify the signature that its my account are they need to remove it from my file. again my name is XXXX XXXX XXXX not XXXX XXXX thats incorrect information
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEMENT 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take 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 1681 S-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: Credit reporting or other personal consumer reports

I am writing to formally request the deletion and blocking of the following accounts from my credit report, as I have been a victim of a data breach. The fraudulent accounts listed below have been compromised, and pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that they be removed from my credit file. 
The following accounts have been affected : XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$2500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1100.00}
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Name : XXXX XXXX XXXX ( NEW ADDED ) Previous Address ( es ) XXXX XXXX XXXX XXXX FL XX/XX/year> XXXX Current Address ( es ) XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year>
Product: Credit card

On or about XXXX XXXX, 2016 I booked my traveling arrangements including my flight and hotel ( bundle ) reservations for a 3-day stay at the XXXX XXXX XXXX in XXXX XXXX, FL. The arrangements were booked through XXXX. I agreed to pay the airplane tickets for a listing price of {$190.00} each and proceded to booking XXXX seats ( XXXX adult, and XXXX kids ), but inseated was charged {$370.00} for each ticket and XXXX for hotel reservations and insurance. Back in XXXX I called both XXXX and American Express to advised them of this error and provided them with the opportunity to amend this error. Yet they XXXX have failed to make me whole again. Upon reviewing my credit billing statements in XXXX my total fees amounted to {$1700.00} plus the {$190.00} listed three ( 3 ) times. My American Express Card # XXXX and the disputed amount was listed for {$950.00}. To date American Express data base claims they have no records for my account or the claimed I filed with them. The only information I received from them was a survey on the billing inquiry. American Express failed to investigate my billing error according to the billing and error resolution timeliness as prescribed under Regulation Z. To date they have n't resolved this claim and have not admitted they have made a mistake in resolving the error. My account was sold to XXXX Bank in XXXX 2016 with a new assigned credit card # XXXX, I have reached out to them too and they do n't have a record of any of my statements or this claim. I would like for you to investigate the results of my claim.
Product: Credit reporting or other personal consumer reports

I have three accounts appearing on my credit reports. 

XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX IN {$2400.00} XXXX XXXX XXXX XXXX  {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I received an email from XXXX that my credit scored with XXXX had been reduced by 30 points. When I accessed XXXX, my entire auto loan with Ally had been removed and identified as paid. I submitted 4 emails and proof of the reporting to Ally and asked them to fix this immediately because I am in the middle of a mortgage purchase. I received 4 automated responses to my emails. I finally called Ally and the representative stated that " the credit bureaus are not telling me the truth, that they have NO reason to report my account as closed ''. I asked to speak to a manager but none were available so they sent me to a " consumer help line '' who told me that " this is a KNOWN problem and that it will take 45 days to update the reporting ''. Why is it that they are allowed to negatively effect my credit, which will DEFINITELY stop me from purchasing a home because the drop in my score will effect my interest rate ; but I have to wait FORTY-FIVE DAYS for them to fix what they screwed up? Why do I have to suffer for their mistake?
Product: Vehicle loan or lease

XX/XX/2023 - I called Global Lending Services to request my due date to be changed as their website states I can do. I was advised that since the statement has already been generated XX/XX/2023 I couldn't change the due date and I would have to make the payment that is due on XX/XX/2023 or I would be assessed a late fee of 5 % of the payment. Their website states a payment date change can be requested once per life of loan as long as first contractual payment minimum has been made, which I have furfilled.
Product: Debt collection

I am a victim of identity theft yet your company Harvard has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account Harvard collections in the amount of {$250.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/2018. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. One again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.
Product: Credit reporting or other personal consumer reports

I have made repeated ( at least five times in the past 5 years ) requests for the incorrectly reported public record to be investigated and removed. Each time, Experian fails to investigate how the incorrectly reported public record was filed and refuses to both review the letter I provided to them from the court in question, and to provide the method they used to verify the inaccurate record. Specifically, Experian had responded claiming that the entry was placed AND verified by the Court, which is patently false given that the letter from the very same Court clearly states that they did not at any time provide or verify this information. Given that Experian has failed to actually verify the record, at minimum they should have provided the details of how ( the method ) they used to supposedly verify the information. Because they failed to actually do any of this, Experian simply claims the information is verified and to contact the Court with questions ( again, which I did, and received a response in writing that refutes the lies made by Experian ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX Experian XXXX  XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX   XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

We have a {$440000.00}, interest only, equity line loan with Bank Of America that will change from an interest only payment to an amortized payment starting XXXX 2015 after XXXX years. It is a XXXX year loan. The XXXX XXXX years are interest only. The next 15 years are amortized. This loan is in the XXXX position. Our XXXX is a XXXX year loan has under XXXX yrs left on it. Most of our mortgage payment for the XXXX now goes against our principle. Bank of America has sent us a letter stating that our loan will change XXXX 2015 and our monthly payment will be adjusted from {$1100.00} a month to {$3600.00} a month starting XXXX 2015. An amount we can not afford to pay. 
We went to go see XXXX XXXX, Mortgage Broker, at our local Bank of America office, at XXXX XXXX XXXX, XXXX, CA XXXX, XXXX on XXXX XXXX, 2015, to get our equity line refinanced or to streamline our XXXX loans. She informed us that Bank of America could not refinance our loan or streamline our loan ( both loans are with Bank Of America ) and suggested we contact their Modification Office. We have heard that getting your loan Modified rarely happens, is a terrible deal if you do get a Modification, they take months to get it done and hurts your credit. 
Our income to Mortgage percentage is way out of the acceptable range for a traditional refinance. Our credit rating is XXXX and we have not been late on a mortgage payment in XXXX years. 
My wife also works in the XXXX XXXX industry. 
With our good credit history and our ability to weather the economic down turn, I think there should be other options besides just your income to mortgage percentage:1. The fact that we have never been late for a mortgage payment in XXXX years. 
2. The fact that an independent businessman has ups and downs that span over years. The possible success in the future should be looked at. 
3. Our XXXX mortgage should not be jeopardized because we have to refinance our XXXX. 
Bank of America 's actions are going to force us to sell our house that we have lived in for XXXX years. We can not afford their new monthly payment. There is plenty of equity in our house to support a loan. On XXXX XXXX, 2015, XXXX XXXX at Bank of America estimated our home value at XXXX XXXX and XXXX estimate is XXXX XXXX. 
Can you help us with Bank Of America to refinance our equity line or extend our interest only payments for another XXXX years in order to keep our loan payment at it 's present rate so we can stay in our house. We have proven that we can successfully pay our mortgage. I feel this tactic of selling loans without fully explaining what happens after XXXX years is another scam by Bank Of America to extort more money out of the American people and to force families to sell their home even though they have a great payment record and plenty of equity. 
We have already shown these documents to XXXX XXXX at Bank of America just to receive a flat out no.
Product: Credit card

I switched my card from XXXX ( with annual fee ) to XXXXXXXX ( with no annual fee ) in XXXX 2016. I was not refunded the portion of the annual fee for the remainder of 2016 when I had a no-fee card. In addition, I was not given the benefits of the XXXX card from XXXX 2016 onwards ( XXXX miles per dollar spent ). I earned XXXX miles per dollar spent which is the XXXX earning rate. 

In other words, I was charged for a higher product but given the service and benefits of the lower product.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I filed for bankruptcy in XXXX. We filed in XXXX of XXXX and it was discharged in XXXX of XXXX. Our home was included in this filing however, we still own and live in the home. Our lien holder XXXX, is reporting on our credit report as the first reporting date was XXXX and not in XXXX. When questioned, they sent a letter which I will attach. I do not want this liability removed, I want it updated with the correct reporting date of XXXX and not XXXX. By XXXX not reporting this accurately, it is unjust and illegal. This is in direct violation of the Fair Credit Reporting Act. I would like this updated immediately. I have also attached our bankruptcy discharge paperwork.
Product: Credit reporting

Hi, There is a state tax lien on my credit report that does not belong to me. It belongs to my father XXXX XXXX XXXX. I am XXXX XXXX I used a credit repair company they sent XXXX letters and still wo n't remove it. They told me to contact you to have it done. My social secuity number is XXXX date of birth XX/XX/XXXX. I am trying to have it taken off of my credit report it is holding down my score as I am also trying to purchase a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting AcXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX, and XXXX XXXX  XXXX have 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 an account without my written instructions.