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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Dispute of Inaccurate Information on My Credit Report\n ( Under 15 U.S. Code 1681o ) Dear Sir/Madam, I am writing to formally dispute an item on my credit report that I believe to be inaccurate, as per my rights under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ). 
ITEM mentioned AMSHER COLLECTIONS SERVIC Amount {$420.00} XXXX XXXX XXXX XXXX CA XXXX Date opened XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX The item mentioned above contains erroneous information, and I request that you investigate this matter and correct any inaccuracies. 
As required under 15 U.S. Code 1681i ( Section 611 of the FCRA ), I am requesting that you complete the investigation into this matter within 30 days and update my credit report accordingly. If this item is verified as inaccurate, I expect it to be removed or corrected immediately. 
Please send me a written confirmation of the results of your investigation once it has been completed. If the item is not updated or removed, please provide me with the details of your investigation and the reasoning for maintaining the item on my credit report
Product: Mortgage

Complaint to whom it may concern : Date XX/XX/2022 - I visited XXXX XXXX to buy a manufacturing home in XXXX XXXX My fianc and I picked a home that we wanted and put a {$1000.00} down payment to hold it until finance approval. We were approved on XX/XX/2022 by XXXX Mortgage ( see attached ) We were approved at that time at 8.5 % interest ( see attached ). And on XX/XX/2022 I get another approval notice and the interest rate was the same 8.5 % ( see Attached ). 
And then on XX/XX/2022 I get another approval notice with the same interest 8.5 % ( see attached ). And then on XX/XX/2022 I get yet another approval notice still at 8.5 % ( see attached ). And then on XX/XX/2022 I get a Denial Notice for some reasons listed ( see 2 pages attached ) And then on XX/XX/2022 I get an updated approval notice with some conditions! It states that I must pay additional {$1900.00} for total of {$2900.00} ( see attached page # 2 ) {$1000.00} for the down payment and the addition of {$1900.00} But as you can see the interest went up to 10.00 %. I called and spoke with the listed people and they said that the interest went up! It's my understanding is that you have 60 days to work on this loan! I feel like they denied me right before they went up on the interest rates, and then turned around and stated that everything is ok now BUT its now at 10.00 % rate. They will NOT give me the 8.5 % interest like from the beginning. 
I feel this is a unfair practice and I do not agree with this at all! Thank you Help ME!
Product: Credit reporting or other personal consumer reports

XXXX : Dispute of Inaccurate Late Payment Reporting on My Credit Report** **Date : XX/XX/XXXX, XXXX Dear Sir/Madam, I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically related to the credit account XXXX XXXX XXXX XXXX* with account number XXXX. Upon thorough review, I have identified discrepancies in the reporting, which are a violation of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms.

It is my understanding that under **15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer ( myself ) and the party ( you ) making the report. Payment history and the associated late payments negatively affect my consumer report and are considered part of my transactions and experiences with your company.

Furthermore, I am requesting that you provide me, in writing, the reasonable procedures adopted by your company in compliance with **15 USC 1666b**, ensuring that my periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15. 

**Reference to PAANL ( Paid As Agreed, Never Late ) : ** The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed, Never Late '' based on the timely payments made. It is crucial that my credit report accurately reflects my financial responsibility and commitment to meeting my payment obligations. 

Therefore, I request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant information demonstrating that the payments were indeed late. In the absence of valid proof, I expect this information to be rectified promptly. 

If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed, Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days of receiving this dispute letter. Failure to meet this timeline will be considered a violation of the FCRA.

I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a text message from Citibank informing me about a suspicious transaction on my credit card. I immediately called the fraud department and discovered that 4 transactions totaling {$16000.00} ( in less than 15 minutes ) were made in XXXX. I informed them that I did not make any of the transactions and I was in XXXX XXXX, NY. I was assured that the charges will be removed. Soon afterwards, one of the charges was removed but three charges totaling {$13000.00} remained on my card. I made further phone calls and was assured the other charges will be removed after an investigation. 

On XX/XX/XXXX, I received a letter from Citibank informing me that I am liable for the charges because my chip-enabled card was used for the transaction and I had stated that the card was in my possession. As I was sure I did not make the transactions, I immediately filed a police report and submitted a formal letter requesting an appeal the same day. 

On XX/XX/XXXX, I called Citibank fraud department to find out the status of my appeal and was informed that the case was closed and I was still liable because " my phone had made a call to activate the new card prior to the transactions ''. This was the first time I was made aware of the existence of a new card. I did not request, receive or activate a new card. The card in my possession was issued in XX/XX/XXXX and was not due to expire till XXXX. The Citibank representative informed me that the new card was activated by a phone call made from my cell phone. He stated that in less than an hour of card activation, {$16000.00} was charged to my card. My official XXXX phone log proves that I never made a call to activate the card. The logs also show that I was in XXXX, NY when I called returned a call from the fraud department within minutes of the fraudulent transaction. 

I was informed that I had one last chance to contest the charges by Citibank executive response unit. On XX/XX/XXXX, I sent a letter to the executive response unit, including an official XXXX call log that definitively proved I never made a call to activate any card, and that I was XXXX miles away from XXXX at the time of the fraudulent transactions. 

On a follow up phone call with Citibank today ( XX/XX/XXXX ), I was  informed that my final appeal was again rejected. I was not given clarification on why it was rejected or on what further recourse I have. 

To summarize, fraudulent transactions were made with a replacement card I never requested or received. The card was supposedly activated by a phone call made from by phone even though my call log clearly shows that it wasn't me. The credit card was previously used only for recurrent transactions, yet within 45 minutes of a replacement card activation, {$16000.00} was charged to it.
Product: Debt collection

I never received correspondence from XXXX XXXX after the repossession of the vehicle on how to get the car back before it was sold at an auction. I was never given proper chance to get the vehicle back in my possession. It took over two months to retrieve my belongings that were in the vehicle. 

I then later start receiving calls about the balance of vehicle, which were different amounts. Then I receive correspondence from FBCS , Inc sent a letter stating a {$5300.00} was owed on the vehicle, but is XXXX XXXX reporting to CB that  over $ 8k is still owed on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Transunion to verify the disputed items and remove them if unable to prove that the Items are mine. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own 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
Product: Debt collection

XX/XX/2018 called from unknown number indicated that they are " XXXX XXXX   '' advised that they have court documents, but no law suit has been filed with county, company is not located in the same state, the debt is past the statue of limitations to file a law suit.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX ' XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consists of a credit card account opened at capital XXXX around XX/XX/XXXX, and other accounts opened at affirm inc account number XXXX around XX/XX/XXXX and XXXX XXXX account number XXXX around XX/XX/XXXX. These accounts have resulted in a hard inquiry from XXXXXX/XX/XXXX and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

AMERICAN EXPRESS knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. AMERICAN EXPRESS is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, AMERICAN EXPRESS, failed to provide me with the necessary disclosures required under GLBA and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.
Product: Money transfer, virtual currency, or money service

My Capital One Credit Card Account Number : XXXX Is Not Showing On My Credit Report XXXX XXXX and XXXX My Account are Not Being Reported To The Credit Bureau and is not showing on My Report I Been Making My Payment On Time and I Have The Account Open with them For 2 Months And Is Not Showing On My Credit Report Please Help me Investigate and Resolved This Problem..
Product: Credit reporting or other personal consumer reports

I have a bankruptcy reporting. I contacted the XXXX Bankruptcy court and they sent a letter that they do not send bankruptcy reports to Credit Bureaus. I requested the hard copy. Once received I forwarded the letter to Experian and XXXX.
Product: Debt collection

Debt collector will not send me a signed contract when I ask they go around it also added it back to XXXX after they found not not enough to prove its mine XXXX time filing complaint same answer from company next step to sue under fair credit act failed to supply appropriate documents and harassment and for adding back to XXXX after removed by them XXXX for not having enough proof account is not mine
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 120 days past due as of XX/XX/2014 90 days past due as of XX/XX/2014 60 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit reporting

Around XXXX XXXX, 2015, I received a letter in the XXXX Mail from " Experian '' Credit Bureau. Under the " Previous Addresses '' on my " Experian '' credit file it incorrectly stated that I lived at : " XXXX. XXXX XXXX ; XXXX, Ca ; XXXX '' as of " XXXX. '' I have never lived in " XXXX, California. '' In fact, I do n't even where " XXXX, California '' is located at. I am the victim of " Identity Theft. '' When I called " Experian '' to ask them to " Delete '' this false, " Identity Theft '' address, they kept me on " hold '' for over 30 minutes and then " Experian '' just hung up on me!
Product: Credit reporting or other personal consumer reports

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 1 year ago and 30 days ago, I sent a letter. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX account # XXXX they have been reporting on XXXX  and Transunion that I have an account with them that was charged off. I have never owned or asked for any loan with this company. I have repeatedly asked for XXXX and Transunion to remove it and it comes back as verified as accurate, which is not. I also sent them a letter, but they never responded.
Product: Credit card

i have been having this dispute going on for months now and its about the company called the real real, i had made a purchase of {$1900.00} on the app the real real. it had came to the day that i was notified about the arrival of my package was through my cellphone, but i came to realization that i have in fact not received anything to my household, i had argued for a week with the merchants support chat about my package, to them in chat confirming and granting a refund process to me due to my missing package on XX/XX/XXXX at exactly XXXX. then they never actually sent me a single penny since them saying that in the support chat, in that case i took this up with the credit card apple chat on XXXX XXXX  to dispute the charge from the real real since they never sent me the package i paid for or the refund they granted me. then barely today XX/XX/XXXX the apple credit company did in fact not grant the refund my dispute. so i reopened the dispute XXXX XXXX XXXX with apple credit and filing it up with you guys.
Product: Credit card or prepaid card

This card was promoted to me by XXXX XXXX. It had a very high enrollment fee and high interest rate that will set any person up for failure. I feel this was predatory lending.
Product: Payday loan, title loan, or personal loan

I am writing this mail to notify you that, I received an SMS notifying loan from Upstart and I proceeded with it. I selected XXXX as the loan amount. Further, they asked me to pay 2 % of the loan amount I was receiving which is XXXX. Then, by mistake, I entered my name in the place of the bank name. They told me to pay XXXX to unfreeze the account and remit the money in my bank. Later, they said there is a risk factor and told me to pay an insurance amount of XXXX. I paid for that too. Soon after, they told to me pay the first installment in my wallet to remit the loan amount. I paid XXXX to the wallet again. So, I have paid a total of XXXX. Then again, they asked me to pay the second installment which is XXXX. I felt cheated and suspicious and didnt want to pay money anymore. I have asked for a refund and they said it will be refunded after a month. But I dont trust them. Please do help me get the MONEY I have paid. XXXX  was the last hope for me since all the numbers and mail IDs of theirs turn out to be fake too. Since Upstart is accredited with XXXX, do help me get back my money. I am in a serious emergency and have a family to take care of. Please help me with this. I am attaching all the payments I have made to this mail. Please help me out with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I have been in the process of getting a mortgage. I started this process back in XXXX of XXXX. I began the search of lenders and discovered that I had issues to resolve with my credit report. I discovered discrepancies with all three bureaus. I had cleaned up my credit and settled some debt at the same time I deputed something and let time pass so my scores would increase. In XXXX a dispute was on my credit report. I had the disputes removed and my scores dropped to significantly. In XX/XX/XXXX I began to build more credit and produce 2 trade lines which appeared in XXXX and in XXXX taking my scores up between all three bureaus. I had my credit report pulled on XX/XX/XXXX and on the consumer reports my credit scores were XXXX, XXXX equifax, and XXXX XXXX. My lender pulled my credit and the disputes back in XXXX reappeared. I called to have them removed and at the same time I had 2 trade lines to post, XXXX increase on student loans to appear, removal of the disputes which caused my consumer scores to go down to XXXX for XXXX XXXX which I loss 66 point from an account being in dispute since XX/XX/XXXX which wasn't made aware to me, XXXX XXXX a loss of 53 points the same XXXX XXXX acct dispute was removed, and a loss of 35 points within days of removal of the dispute which was placed on my acct. back in XXXX caused extreme damage to my credit report. I am writing this dispute because i dont think it was lawful for the bureaus to be able to impact my credit significantly when disputes are suppose to be resolved within 30 days. These disputes were placed on my accounts in XXXX and removed in XX/XX/XXXX. Are credit bureaus allowed to deducted 50 or more points with no significant changes on ones reports or trade lines? This has and still is causing a significant problem for me and my family. I am not able to complete the lending process because of the inaccuracy reporting between all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and noticed 4 unauthorized inquiries on my Experian, and XXXX  credit report XX/XX/18, XX/XX/18. I did not, nor have I ever applied for a line of credit with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX Please remove the fraud alert from my credit reports thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of bankruptcy reporting from my credit reports. I have disputed this item with XXXX, Experian, and XXXX. XXXX, Experian, and XXXX responded and verified bankruptcy with third-party XXXX. I have received the Results of the Reseller Dispute from the XXXX file in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq ). As of XX/XX/XXXX, the dispute information was removed from my file at XXXX. XX/XX/XXXX XXXX dispute filed with XXXX, Experian, and XXXX but has not received a response. I have attached a dispute letters results from XXXX with my driver 's license and social security card for verification. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy written is unverifiable and violates federal and state law, as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similarly situated class decide to pursue such action. Therefore, I request that bankruptcy reporting be removed from my credit reports immediately. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am having an issue getting my consumer report from Tele Check. I want Tele Check to mail me a full and complete copy of my consumer report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX