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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

First I want to thank Equifax for respecting my privacy, and removing items that violated my privacy. I would greatly appreciate if you remove accounts associated with my bankruptcy. I would like as well to go over my credit score. Thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My Only name My Only address is what's included on this complaint and my attached ID and proof of address.

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX  XXXX XX/XX/XXXX {$4000.00} XXXX/XXXX  XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} CONN APPLIANCES INC XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} Conn Appliances XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

This response that address the compliant file against the bank about overdraft consumer protection service that the bank offer to customer who sign up for the overdraft. we understand the fact that in your response but we sample not talk about the last XXXX month XXXX and XXXX of XXXX. we are talk about the last XXXX year that TD bank had pay all transaction on this account., those fact are not correct and not true and that what compliant about you know it and the bank. here are the fact TD bank paid the XXXX overdraft account if it was a dollar or a thousand of dollar. TD bank pay it. your response just talk about about XXXX month i, am talk about XXXX year that TD bank paid all item that came in and they was processed went there was not enough fund available. put the statement for the last XXXX year you will find the true in the last XXXX TD bank have rejecter all of my transaction.. the records will show you the true fact. it our believe that TD bank change there position on the overdraft protection for custom that have more transaction than three a day. i clear understand your response, but fact always win a case Litigation. the issue here is why? did TD bank state that some thing was pay went they was not as they said completed, they do not said they are incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years back I applied and was approved for an XXXX XXXX credit card which is issued through Synchrony Bank. Originally I was approved for XXXX then a few months after that they lowered it to XXXX, I didn't complain about it BUT I was active in using my card and ALWAYS paid my bill on time, NEVER LATE!!! Most recently I paid the full balance and thought I was doing the responsible thing. When I went to use my card a month later I was told my account was CLOSED then I received an email from the credit report agency inquiring if I closed the account which I responded NO!! I then receive a letter from Synchrony Bank that after checking my credit reports ( no permission and why?! ) in spite of my excellent payment history they decided to close account! This makes a negative mark on my credit report!!!!!!!! I am furious_ if I had never paid them off I would STILL have an active account! How UNFAIR is this. Their letter informed me of my credit score and other information that goes beyond my permission to check. They were only allowed to check my history with them. Thank you!
Product: Debt collection

My ex boyfriend took out loans with XXXX XXXX ( currently Navient ) and put me down as a co-signer without my knowledge. Navient calls me repeatedly throughout the day even though I have told multiple representatives that I am not making payments on these accounts. They have also told me these deliquesces have been reported to the credit bureaus.
Product: Mortgage

Success Mortgage Partners Inc. has continually acted in a manner that is unethical, In violation of VA Home Loan Guidelines and Laws. 
Due to the Economic Downturn in XXXX, I lost employment which lasted nearly 6 months, but I took proactive steps to work with Success Mortgage to try and resolve my Mortgage issues. 

During this period of Unemployment, I have experienced : Mortgage Statements have not been given to me on a consistent basis and are not accurate. 
Loan Statements did not reflect Mortgage payments I made in XXXX and XX/XX/XXXX. 
Mortgage Information was sent to the wrong address and therefore violated my rights to privacy and confidentiality.

After Completion of my Credit Counseling Process, all foreclosure proceeding were to cease but I continued to receive foreclosure letters and charged fees Completing the Loan Application for Modification was a grueling process. I would send success mortgage the requested information and they would consistently request the same information multiple times delaying the modification process After 8 months a Loan Modification was offered by Success Mortgage, and I completed the Trial Period where I was required to submit payments for XXXX, XXXX and XX/XX/XXXX. 
During the Trial Period, I continued to receive calls from Success Mortgage related to Pre- Foreclosure offers : Cash for Keys etc.

During the Trail Period I have asked repeatedly for a detailed breakdown of the new Loan Balance due to Success Mortgage having information that conflicts with the number of payments missed. They have refused to provide that information or address my concerns regarding the number of payments missed. In an email I was told I missed 17 payments, but I provided a detailed schedule that showed 15 missed payments which may be related to the 2 payments noted in bullet point # 2 Upon Completion of the Trial Period, I signed the Loan Modification documents provided to me and had them notarized on XX/XX/XXXX. 
On XX/XX/XXXX, XXXX, a representative from Success Mortgage called me from the number ( XXXX ) XXXX and notified me that the Loan Modification documents were never received. I informed XXXX that I signed the documents on XX/XX/XXXX and sent them back in the prepaid envelope provided by Success Mortgage. XXXX informed me she would research the issue, and I asked her to email me when she resolved the issue. I waited till the end of the day, and I called XXXX back and she confirmed the documents were received but never processed in the system. 
On XX/XX/XXXX XXXX Mortgage notified me that the Modification was denied and said I did not accept by the required deadline. 
o On XX/XX/XXXX I received a letter dated XX/XX/XXXX that clearly states that I had 14 days to accept the modification which I did and had notarized on XX/XX/XXXX and mailed out immediately I have provided Success Mortgages with copies of all the letter etc. sent to me to validate my position, but they still refuse to honor the signed agreement
Product: Credit card or prepaid card

Have been charged by XXXX for credit card protection without me signing up for the program since I opened my credit account.
Product: Credit card

I have reached out to chase and have spoken with several representatives regarding the removal of fraudulent charges not being credited back to the account as well as other fraudulent charges. When I removed the unauthorized user from the account on or before XX/XX/2007. I was contacted by XXXX representatives by the names of XXXX and then XXXX. only to be accused of having knowledge of the unauthorized charges. Chase has refused to credit me back any and all monies regarding to the fraudulent use on the account nor update the balance to reflect that the charges have been removed. I have been trying to get chase to right their wrong for years and they have taken no interest nor action to do so. Why should I be held reliable for the fraudulent charges when I did n't make them ...
Product: Credit card

In XX/XX/year> I tried to get health insurance for my son. I signed up and paid $ XXXX for XXXX year of coverage. Once I found out the coverage and the local doctors I could use was not adequate, I cancelled within the 3 days. This is not disputed. I have vocal and written evidence for this. I was told they would send me a refund. Months went by and no refund. I called, many time no answers. I finally got through to an operator there and got the email address. The reason my money wasnt return was because the guy doing the refunds got XXXX and they will try to get on it. I write an email. To XXXX XXXX, who writes back, that he is new to the job and he is way behind but he will get to it. 

Still waiting. I call Apple/Goldman Sacks card company and complained that this is probably a fraud and I would like a refund. I sent them the name of the persons name and phone number that cancelled me along with the email from XXXX XXXX, saying he will get to it. They closed the dispute and refused to accept my story. BTW I have submitted this with Goldman at least approx XXXX times with the last one which I sent the letterhead of the health insurance company ( XXXX XXXX XXXX stating that I cancelled and never received services and they will not fight the dispute for the refund. I also have a vocal conversation with the business office of XXXX XXXX stating off of this which Goldman will not accept. At this time the problem isnt XXXX XXXX but is Goldman. The are saying that the letter could be a fraud, so they are not trusting me! The letterhead does not have XXXX XXXX but something else because they changed their accounting firm which is complicating this, but its obvious that Goldman will not pick up the phone and call them. Please help me. Im retired and {$3400.00} is a lot for me. Thanks
Product: Mortgage

We had our mortgage through Pacific Union Financial until this year when Mr.Cooper bought them out. Our account was ready in XXXX when we started making our first payment. I made the first payment through auto draft. I did not notice until XXXX that XXXX XXXX Payment was reversed. I went ahead and sent both payments in and they were both reversed around the XXXX of the month. I tried contacting them and they didn't know what was going on and said to contact my bank. I still did not hear anything back and was scolded by a customer service rep for being late on my mortgage when it was their fault. XXXX comes around I try to make another autodraft payment and it was reversed again. At this point I was in a loan modification that is still going on back and forth because they have lost my paperwork twice. XXXX rolls around someone at Mrcooper finally informs me that I can make a wire payment with XXXX   XXXX or XXXX XXXX. I tried both for several hours online and at physical locations. They did not accept it so I sent the payment in the mail to find out they are sending it back now. I feel like this mortgage company is a scam and they are just trying to make me go into foreclosure because I have XXXX equity in the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX  with whom I apparently owe {$2000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, and XX/XX/2018 that I have repeatedly made these offers. XXXX XXXX  on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX  with whom I have no contractual relationship. However, as a courtesy I have kindly offered these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and this agency. The agency has not offered to accept payment from me on either occasion. 

To date XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX  outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 
Thank you very much. 

On behalf of XXXX XXXX XXXX Without recourse By : XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, other items still need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items will be corrected. XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX : {$6400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.
Product: Payday loan, title loan, or personal loan

Due to a financial crisis, a title loan was taken out with XXXX XXXX XXXX XXXX. 
1. I have since lost my employment at the XXXX   XXXX XXXX  ( XX/XX/XXXX ). 
2. I have just recently gained employment, making 1/4 of my previous salary.

3. Original amount of loan {$1700.00} apx XX/XX/XXXX. 
4. Amount paid to date ... .over {$8100.00}.

5. I have attempted numerous times to contact the company to find a mutually agreed upon way to pay this off which is unsuccessful as I'm not able to speak with them. 
6. I am not able to afford {$600.00} per month for this loan.

7. emails and phone calls are unsuccessful. Emails direct me to call, which goes unanswered.

8. I personally feel this loan should be considered paid in full. 

This feels very much like preditory lending at it's finest.
Product: Credit reporting or other personal consumer reports

Once again, I must assert that I have fallen victim to identity theft, prompting this subsequent plea for the removal of erroneous information from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to expunge such items within four business days of receipt. Furthermore, certain details on these items remain unfamiliar to me, and while they have been removed by other bureaus, I remain skeptical about their accuracy. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a certified letter disputing multiple inquires on my credit reports. Trans union was previously notified about the Identity theft. I detail out names and dated of inquiries that are not mine. I also disputed a Bankruptcy and sent in a letter from the bankruptcy court that they do not report information to any credit reporting agency so please remove this information. I spoke with a XXXX and she informed me even though she see it noted about my Identity theft they will not remove the hard inquires. I pointed out how someone applied to the same company multiple times who in their right mind would do that. I just want the incorrect information removed. The last time this happen I had to file a complainant in order to get the information off. This should not be the process. This has an adverse effect on my life and livelihood. and if i am unable to get this information removed I will seek legal action. I have evidence of such, via certified mail receipt, I am maintaining a careful record of my communication with Transunion for the purpose of filing a complaint with the Attorney General Office, should this non compliance of the federal law under the fair debt collection practice act, the fair credit reporting act I remand you that as in XXXX v. Trans Union Corp No. XXXX you may be liable for your willful no compliance Any other action against your company I will be seeking {$1000.00} per violation for defamation, Negligent enablement of identity fraud and Violation of the fair credit reporting act.
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. 

Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account name XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXXXXXX XXXX  Account name XXXX Account name XXXX XXXX XXXXXXXXXXXX XXXX  Account name XXXX XXXXXXXX XXXX XXXXXXXX Account name XXXX XXXX, XXXX XXXX Account name XXXX XXXXXXXX XXXX Account name XXXX XXXX XXXX Account name XXXX - XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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