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

I have contacted Experian over XXXX different times to inform them about and incorrect information being furnished on a consumer report about me. Today I decided to call them directly due to the fact that they have ignored me continuously and failed to correct the errors they were committing. I called Experian and got a representative who's name was XXXX and I informed him about the inaccuracies and incomplete information on the consumer report which were : Personal information : address ; XXXX XXXX XXXX XXXX, NY XXXX, I have never resided at this address and it does not belong to me. Address ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, this address is incomplete innacurrate. Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX these are not my correct name, my only name is XXXX XXXX XXXX. I also informed them about XXXX accounts reporting innacurrate, incomplete and false information the accounts were XXXX DEPARTMENT OF EDUCATION XXXX and XXXX DEPARTMENT OF EDUCATION XXXX these accounts have incomplete payment history, the payment history is inacurate, balance is innacurrate, account status is innacurrate. The representative XXXX acted as if he was filling the dispute to remove the information but instead started to speak to me aggressively and attempting to harass me over the phone, he then hung up the phone once I requested a supervisor. I then called back and spoke to XXXX XXXX employee who told me he doesn't have to serve me and hung up the phone on me aswell. I feel hurt, distraught and disrespected by Experian and its employees and can't seem to understand why they are treating me so unfairly. This will not end here as I will ensure that all of you are held responsible for your agregious acts against consumer 's like me. Experian has violated my privacy and destroyed my confidence in the banking system, they have assumed a role in my life and I am notifying them that the assumption is not accepted or appreciated by me and I will put you back in your place, where you belong the XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am disputing multiple violations of the Fair Credit Reporting Act ( FCRA ) that have occurred regarding my credit report. I am addressing issues such as unauthorized hard inquiries, inaccurate late payment reporting, and failure to verify the accuracy of my credit information. These actions are in violation of several sections of the FCRA, which protect my rights as a consumer. 

FCRA Section 616 : The credit reporting agency failed to verify the accuracy of the information before accepting it, which is considered willful noncompliance and subject to civil liability of up to {$1000.00} per violation. 

FCRA Section 603 ( d ) ( 2 ) ( A ) : The agency did not disclose my right to opt out of sharing my personal information, which is a deceptive violation of my consumer rights. 

FCRA Section 623 ( a ) ( 3 ) : The agency reported inaccurate accounts and inquiries without proper validation, which is considered deceptive under generally accepted accounting principles. 

Debt Collection Practices Act Violations : The agency reported inaccurate debts and accounts without my consent, leading to harassment from creditors, which is an unfair practice.

Acquiring Location Information Regulations Violation : Debt collectors improperly contacted third-party credit agencies with my information, claiming I owed a debt, which is a violation of regulations prohibiting such disclosures. 

Violation of Timely Payments Regulations : Late payments were reported on my credit report without clear definitions of what constitutes a late payment, making the report deceptive and inaccurate. 

Finance Charge Determination Violation : The agency failed to accurately determine finance charges, which they are required to do under FCRA regulations.

Violation of Credit Report Permissible Purposes : The agency reported information about me without obtaining my written consent, which goes against the permissible purposes outlined by the FCRA. 

In response to these violations, I have outlined specific actions I expect the agency to take, including updating inaccurate payment histories to reflect " never late, '' and deleting unauthorized hard inquiries from my credit report. 

If these issues are not resolved promptly, I will pursue legal remedies available under the FCRA.
Product: Debt collection

The finance company for my vehicle, Credit Acceptance, has been repeatedly calling me and my co-signer daily. In the attached files are examples of the frequency to which they call. They even contacted our salesman to harass us. He called and text us. His name shows as XXXX XXXX.
Product: Checking or savings account

I opened a Savings Account with Citibank on the XX/XX/XXXX. I went through all of the normal setup steps and chose to immediately fund my account with the required {$500.00} minimum balance needed to avoid the associated fees. 

The next day I checked my XXXX XXXX account to make sure that the funding had been successful and found an ACH debit to my account for {$40000.00}. Obviously an error as I don't have that sort of money. I immediately called XXXX and put a stop to the transaction as it was thankfully still in a pending state. 

From here the issue was mostly resolved by my actions but the mishandling was not explained so I went looking for answers. 

I called XXXX 1800 number at XXXX on the XX/XX/XXXX,  2020. After being 'blind ' transferred at least five times, meaning that I had to explain my issue every. single. time. to a new person I was finally speaking with someone who I believed could explain how this could have happened. 

This woman proceeded to tell me that the issue was not caused by Citibank as the new account funding department prints out a physical check and that all she was able to see and that it had been correctly filled out. I asked her how this problem could have been caused and she was simply adamant that it wasn't Citibank and that she felt that I wasn't 'lying ' and that I was 'seeing what I was seeing '. I offered to give her the transaction information from my XXXX account so that we could track the transaction and find where it had been changed from {$500.00} to {$40000.00} and was told that she did not have that ability and could not use the information. Ultimately, she threatened to hang up on me instead of attempting to find a cause for this massive mistake that I was looking for an explanation for. Her final solution to her problem of me was to again 'blind ' transfer me to a department that I was told could process another transaction for me to properly fund my new account. They could not do so and had no information as to why I was speaking with them because she had not explained the situation to them. I gave up at that point for the day. 

I called again on the XX/XX/XXXX and spoke with a XXXX who hung up on me after I asked to speak with the legal/complaint department and a XXXX who provided me with XXXX number where I was unable to get a hold of an actual human being and that did not lead me to a complaint or legal department that could handle my issue or answer my question. 

At this point I have been unable to find out how this mistake could have been made and am left with a new account that I am unable to fund without setting up a new transfer someway else, but I am not sure how. 

I would like an explanation for what happened, assurances that this issue of a MASSIVE {$40000.00} typo has been resolved and that however the mistake happened it will not happen to me, or anyone else again. I would also like to have my account correctly funded with the information that I have already provided and no more legwork on my part.
Product: Mortgage

I WAS APPROVED FOR A TRIAL MODIFICATION. I COMPLETED THE TRIAL PAYMENTS REQUIRED. I RECEIVED THE PERMANENT LOAN MODIFICATION. I SENT THE PERMANENT MODIFICATION BACK WITH A COPY OF THE QUITCLAIM DEED FOR THE CO-BORROWER. HOWEVER SPS HAD NO INTEREST IN ACCEPTING MY PAYMENTS AND INSTEAD INITIATED THE FORECLOSURE PROCESS AGAIN. I COMPLIED WITH ALL THE PAYMENTS. I MADE MY PAYMENTS ON TIME AND IN FULL. THEN SPS CAME BACK WITH AN APPROVAL, A REPAYMENT PLAN THAT IS NOT WITHIN MY MEANS.NOW THEY ARE FORECLOSING ON ME WITHOUT GIVING ME ANY OPTION TO AVOID FORECLOSURE. I COMPLIED WITH ALL OF THE TRIAL PAYMENTS. I SENT BACK THE SIGNED PERMANENT LOAN MODIFICATION DOCUMENTS. I MADE SPS AWARE THIS ENTIRE TIME THAT ONLY I THE PRIMARY BORROWER WOULD BE SIGNING THE PERMANENT LOAN MODIFICATION DOCUMENTS AND WAS TOLD THIS WOULD BE OKAY AS LONG AS I PROVIDE THE QUITCLAIM DEED, WHICH I DID. SPS RENIGED ON THE SIGNED AGREEMENT.
Product: Checking or savings account

I have a letter of proxy dated on 1920 from my Great-grand father, in that letter he had said if his wife does not collect some documents from the Bank of New York, now Mellon Bank New York ( MBNY ), somebody else could claim to the bank the belongings deposited in the bank by XXXX XXXX XXXX with the only condition to present the letter I have mentioned and three pictures of him in a Ranch located in Texas referred by him as his property, in that letter he mentioned that claim could be presented until 100 years in order to collect the documents and his belongings from the bank. I am attaching the original proxy letter and instructions letter with his correspond certificated translation to English language, I also have the pictures and an identification of my Great-grand parent, in case you need to verify the originality and truly existence of the pictures I can fly to deliver it in NY. 

My great-grand mother, grandparents and parents never attend to these instructions in order to retire the documents. 

I was asking in the NYMB regarding these properties and due to it is an old issue they suppose that these belongings could be delivered to the NY government by XXXX, recently I was trying to track these information through the NY comptroller web site but I did not find information that exactly match with the information of my Great-grand father, and thats why now I am asking for help in order to request for these properties. 

I could also attach if you require my XXXX visa copy and my XXXX ID copy. 

Between the additional documents I have from XXXX XXXX XXXX are his baptismal faith of birth, XXXX identification, and I do not have his death certificate, but I have a letter from the XXXX army where they refer to him as deceased. 

XXXX XXXX XXXX was a XXXX during the XXXX civil war who fought against the depleted government of the former president XXXX XXXX, as he was in continue combat and sometimes had to hide himself from the enemy, in the Army files are documents certifying this situation and also they mentioned he was hurt in battle but we do not know the exactly form and conditions of his dead, we suppose due to his character of military officer and the times of war are the reasons we can not find an official dead certificate.
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.Section 602 A. states I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

1. CREDITOR : XXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$4600.00} 2. CREDITOR : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OPENED : XX/XX/XXXX BALANCE : {$270.00} XXXX. CREDITOR : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$9300.00} XXXX. CREDITOR : XXXX XXXXXXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, OR XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$2500.00} XXXX. CREDITOR : XXXXXXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$450.00} XXXX. CREDITOR : XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3600.00} 7. CREDITOR : XXXX XXXX CARD SERVICES ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3300.00} THESE ARE THE ALLEGED ACCOUNTS I WANT REMOVED FROM MY CREDIT REPORT IMMEDIATLY THANK YOU, XXXX XXXX
Product: Mortgage

i sent by mail and fax my XXXX insurance information letting the lender know that, my townhome was covered and i did not want force place insurance placed on my home!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit inquiry that was supposed to be deleted from my credit report over 4 months ago, it seems like the credit bureau XXXX  is refusing to delete it because I provided the letter from the creditor agreeing to tell XXXX to delete the inquiry and they said that the letter did not meet their criteria, I do not understand what that means and I dont really care. I need this inquiry deleted immediately from my credit report, the inquiry is WF BANK NA - Inquiry Date XXXX.
Product: Credit card

The " company '' is a municipality that I am disputing the {$110.00} charged to the card because I could not obtain the service I paid for while the JUDGE LITERALLY HID THE ORDER [ a TRI-FRICATED dated paper having the dates XX/XX/XXXX, XX/XX/XXXX and e-filed ( published ) XX/XX/XXXX { the delay violated my Civil Rights and MY Appellate Rights and that Judge knew it when he hid the paper! } ], XXXX XXXX Florida, more particularly the XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

I filed the dispute for {$110.00} on or about XXXX, I say on or about because my first telephone contact didn't conclude as if any dispute was going to be accepted ( I hung up on your associate then got an email, is that how you run your bank XXXXXXXX XXXX  mean that little to y'all? ) ) or filed unless I could first give a brief Legal Lesson on how Courts in XXXX are supposed to operate after attempting to file the complaint through Wells Fargo Direct Number { XXXX } to their Dispute Department [ which I again did tonight whereas on Monday XX/XX/XXXX XXXX XXXX ] after getting another email closing the claim for an ill-defined reason, likewise the email of this evening lacks any specify or particularity. 

So when I produce multiple documents a few attested to all filed in the case or the appeal, some from the XXXX XXXX dated XX/XX/XXXX ordering I produce that Order [ line XXXX ] which wasn't published until three days later on the XXXX then no matter how you slice I was denied my Rights in that Court and by Wells Fargo ( off shore ) for providing false information, Stating Wells Fargo has no Fraud Department, Inserting amendments and/or supplemental terms of use and service to the card not included in the card members agreement. Also deciding the dispute prejudicially meaning my dispute is evidenced by a preponderance of evidence, filed in good faith, never actually questioned by WF, I have no history of ever filing a dispute and not prevailing on the facts at that time, WF has no evidence save hearsay to dismiss my dispute. If I am wrong then they should produce that which they rely on that has such weight, immediately.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over five years. 
Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

This was a case of identity theft. I never opened this account in my name. I have no recollection of obtaining or opening this account, my identity was stolen years back this has to be a part of that situation. I'm asking them to drop/close the account I had/have nothing to do with this account ever. It's not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX, and notice some things are incomplete & inaccurate.According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXXXXXX, open date not reporting correctly, date last active, date of last payment & account is inactive & CLOSED ACCOUNT
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 

15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C. 1681 Section 604A : It also states that a consumer reporting agency can't furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I'M SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS NOT TO VALIDATE THESE ACCOUNTS, BUT TO ENSURE THAT THE ACCOUNTS ARE REMOVED FROM MY CONSUMER REPORT PERMANENTLY DUE TO VIOLATIONS OF MY CONSUMER RIGHTS. I AM A CONSUMER AS IDENTIFIED IN fdcpa 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This entry is incorrect and does not align with the Fair Credit Reporting Act ( FCRA ) guidelines. I request that you investigate this matter and delete the disputed item from my credit file. 

Account in Dispute : Creditor Name : XXXX XXXX XXXX 
Account Number : [ Insert Account Number ] Reason for Dispute : The reporting of this account differs significantly between your report and another bureaus report. Specifically : Equifax : Reports late payments ( 90 and 60 days past due ) and delinquency. 
XXXX : Indicates only one late payment ( 30 days ) and that the account is paid and closed.

The inconsistencies demonstrate that the information being reported is inaccurate. Under Section 611 of the FCRA, consumers have the right to dispute incomplete or inaccurate information.

Please find enclosed copies of the following documents to assist with your investigation : A copy of my credit report from XXXX showing the inaccurate item. 
A copy of my credit report from Equifax with conflicting information. 

I request that you conduct a thorough investigation and provide me with a written confirmation of your findings., I kindly request its deletion from my report. 

Thank you for your time and attention. I look forward to your response within 30 days, as required by the FCRA.
Product: Vehicle loan or lease

At the end of the lease I was charged multiple charges for certain fees. I have no dispute of these fees except for 1. They charged me for worn tires after I had the tires replaced with ones that were not worn. They would not provide me with proof that the tires were worn, but charged me anyway. I refused to pay this and I was reported to the credit agencies and my credit score took a major hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these 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