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

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX  Dear Sir/Madam, Subject : Dispute of Inaccuracies in Credit Report Pursuant to FCRA 15 U.S. Code 1681 ( b ) ( 2 ) I am writing to bring to your attention a matter of significant concern regarding inaccuracies present in my credit report, even after providing evidence to credit bureau agencies . Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681 ( b ) ( 2 ), I have taken appropriate steps to rectify these errors, yet they persist.

Despite submitting evidence to the credit bureau agencies, the following inaccuracies continue to be reflected in my credit profile : Inaccurate Addresses : XXXX XXXX XXXX XXXX Inaccurate Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The sole accurate and correct information pertaining to my address and name is : XXXX XXXX XXXX XXXX  These inaccuracies are not only damaging my credit profile but also could potentially impact my financial standing and credibility. Despite submitting supporting proof to the credit bureau agencies, the incorrect data remains, which is a direct violation of FCRA guidelines. 

I respectfully request the Consumer Financial Protection Bureau to conduct a thorough investigation into these persisting inaccuracies in my credit report and take the necessary steps to ensure their immediate rectification in accordance with the FCRA guidelines. 

Enclosed, please find copies of the evidence previously submitted to the credit bureau agencies for your reference and review.

I kindly request your prompt attention and resolution to this matter and seek confirmation of any actions taken within the stipulated timeframe mandated by FCRA. 

Thank you for your immediate attention to this matter. Please do not hesitate to contact me at if further clarification or information is required. 

SincerelyXXXX XXXX Enclosures : Copies of previously submitted evidence to credit bureau agencies Please ensure to enclose copies of any proof or documentation you submitted to the credit bureau agencies, highlighting the discrepancies for the CFPB 's review.
Product: Mortgage

I filled chapter XXXX in XX/XX/XXXX. I was never late with my mortgage. Starting in XX/XX/XXXX they started putting unpaid amounts on my mortgage statement. I've called and called to get answers on why that charge was on my statement and no one knows why. I've paid {$300.00} dollars toward that unpaid amount. I told my BK lawyer about it and she sent me a legal document from the court that it should've been only {$400.00}. I just want answers on why would they be charging me more than the amount stated on my invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax is reporting inaccurate information on my credit report, and fail to report accurate information. I contact all three credit bureaus, provided them with updated information. Still fail to remove information that was not accurate.
Product: Credit reporting or other personal consumer reports

XXXX along with Transunion has been reporting a XXXX on my credit report. I had been disputed this snice XXXX, and since XXXX has deleted this report, while XXXX and Transunion refused to do so. I have requested the investigation results on each time I have disputed this information an have yet to receive them. XXXX and Transunion stated that the XXXX has been verified through the courts, XXXX courts do not report XXXX cases directly to credit bureaus or verified any accounts. XXXX and Transunion has violating my rights by failing to do a proper investigation. This has since been hurting my affecting my credit and my abilities to move forward.
Product: Credit reporting or other personal consumer reports

i have a copy of my credit report and after reviewing it by law my XXXX loans are not supposed to be on my report it has been reported on my credit report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Balance : {$5400.00}, XXXX XXXXXXXX Balance : {$2700.00}, XXXX XXXX XXXX : {$1900.00}, XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXXXXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$7400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$84000.00} " If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$5200.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$28000.00} XXXX XXXX  XXXX Balance {$10000.00} XXXXXXXX XXXX XXXX Balance {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$570.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance {$0.00}
Product: Student loan

I setup a repayment plan and was making the required monthly payments and then my credit is hit with a 90 day delinquent report from my school loan. After speaking with a couple of representatives I was told my plan expired without my knowledge and I should have been paying twice what I was paying for over 6 months! I wrote a credit dispute to my school loan as instructed to remove the delinquent report and have since applied and have been approved for a new payment plan but my school loan denied removing the delinquent report without providing an explanation. I am submitting my 2nd dispute to get this resolved. I am trying to buy my XXXX home and this report has dropped my score over XXXX points!
Product: Payday loan, title loan, personal loan, or advance loan

Idaho finance is claiming there's a debt for a note loan on my credit report which is negatively impacting my credit score. The business closed its doors and is no longer available to speak to about this matter. If this was a shared debt between my now separated wife XXXX XXXX XXXX and myself and this institution then they need to be reporting against her credit also and attempting to get any and all payments organized with her.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX turned me down for a loan saying that I owed XXXX XXXX XXXX   {$150.00} dollars but checked after I had paid off my truck and they said I never owed them any money. Please I have paper work saying I dont owe them anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to COMENITYCAPITAL/XXXX  with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I notices several medical accounts and an auto account that did not belong to me and was a result of identity theft. In XX/XX/2018 I sent the 3 credit bureaus a letter, a copy of my identity theft affidavit and supporting documentation. However, they continue to violate FCRA section 605 and did not remove the items. The following accounts are still be reported on my account by XXXX  and Equifax and are a result of identity theft. 

the fraudulent accounts being reported on XXXX are : XXXX XXXX XXXX Acct. # XXXX, XXXX XXXX Acct. # XXXX, The fraudulent accounts being reported on Equifax are : XXXX XXXX XXXX XXXX account # XXXX with a balance of {$26.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$56.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$40.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX Acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$150.00}, XXXX XXXX Acct. # XXXX.
Product: Checking or savings account

On XX/XX/2018, XXXX XXXX XXXXXXXX  XXXX. charged an OVERDRAFT FEE of {$120.00} On XX/XX/2018, XXXX XXXX XXXX  XXXX. charged an OVERDRAFT FEE of XXXX This is my 3rd Complaint against XXXX XXXX XXXX  XXXX. ( " Zion '' ). Thus far, in settlement of disputes, they have refunded {$190.00} ( on XX/XX/2018 ) without altering their conduct in the slightest. 

I respectfully petition for reimbursement in the amount of {$190.00} along with treble damages ( in the amount of {$570.00} ) for willful and deliberate malice and/or gross negligence tantamount to malice by Zion 's Bank in continuing to charge the undersigned OVERDRAFT FEES by deliberately and willfully and/or via gross negligence approving transactions most likely to earn Zion profits though this unethical and unlawful practice ( i.e. " stacking '' ). 

Bank statements and e-notices enclosed will demonstrate that Zion has charged OVERDRAFT fees of {$32.00} for transaction amounting to less than {$6.00} which, to the undersigned, is dispositive of criminal/grossly negligent conduct. 

I respectfully reiterate my prayer for damages in the amount of {$760.00} ; and, an injunction/agreement to IMMEDIATELY CEASE AND DESIST from STACKING and other unethical/unlawful practices. 

Yours truly, XXXX XXXX XXXX, XXXX. 
XXXX  XXXX XXXX
Product: Checking or savings account

Someone open a account in my name with Suntrust Bank on XXXX and it now says i owe XXXX.
Product: Credit reporting or other personal consumer reports

I am very upset. My credit report contains inaccuracies and incomplete information.

My request to correct this information keeps getting disregarded and my credit score is unfairly affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Account XXXX XXXX balance {$810.00} Open- XX/XX/XXXXXXXX XXXX  Account Number- XXXX balance {$520.00} Open- XX/XX/XXXX SXXXX XXXX XXXX XXXX Account # XXXX balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$8200.00} Open- XX/XX/XXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Mortgage

XXXX years ago I entered an agreement to repay my escrow amount. It seemed odd to have an overage of so much but I agreed. The XXXX years is up and XXXX cant get any information on decreasing my payment amount. Each agent talks me through how to look at my account and then the phone mysteriously hangs up in the middle of our conversation. When I call back, the phone just keeps hanging up. This has been going on for months. 

This year, Fay Servicing has stated that I owe over XXXX  XXXX in escrow and I want a spelled out analysis of how it became so high and what do I have to do to bring it down in order to pay my monthly mortgage without losing my home. My insurance and property taxes are incorporated into my mortgage. There is no contact information on their website and when I call I get hung up on each time i try to talk to someone. Instead of talking with a regular customer service agent, I asked to put me through directly to a supervisor to avoid being hung up on. Twice I was told that someone would call me and its been over XXXX weeks and no one has called me yet. I do not feel they are doing doing business practices and I would like for someone to look into their practices.
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. 

XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dismissed : Ref # XXXX, XXXX XXXX XXXX  dismissed : Ref # XXXX, XXXX XXXX XXXX  XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan

In deciding whether to categorize it as a payday loan or installment loan, the issues that best describe the problem falls under the payday loan category. The company claims to be an installment loan provider ( yeah, right ). The installment loan which is setup and works the same as a payday loan, high interest rate and requires payment of interest on each payday. They just have it setupover a longer period and the entire principal and interest is not due on paydays only the interest payment. It is a revolving payday loan, not an installment loan. The company is not licensed by the State of Florida as I am a Florida resident. I did n't realize this until after I took the loan out and tried to make settlement arrangements and was unsuccessful. The loan process was conducted over the internet not on the tribal reservation. I did not realize the high interest rate and terms of the loan was not in compliance with Florida regulation. After experiencing a financial hardship, I contacted all of my creditors to make payment arrangements on loans I owed, I was successful in getting settlements based on the amount of the loan not the high interest rate and all of them stop the interest rate or cancelled the interest except this company. I borrowed {$770.00} on XXXX XXXX, 2016 and made XXXX interest payment of {$230.00} on XXXX XXXX, 2016. I contacted them via phone on XXXX/XXXX/2016 spoke with XXXX, they informed me the following was the only arrangement they would accept and followed up via email as well. They told me my balance was {$4400.00} and they would settle for {$2200.00} and I would have to sign another ach authorization for them to debit payments. They claimed to have soverign immunity however I have immunity as well from tribal laws as I am not a member of the tribe, did not conduct business and never been on the tribe reservation. Therefore, I do not have to abide by tribal laws. I have tried on several attempts to settle the debt for the amount borrowed. They want a prearrange amount for the entire contract amount including interest through the duration of the loan period. This is a very illegal and unfair debt collection practice.
Product: Debt collection

I went to court with Como Law Firm and we agreed to a payment plan of {$25.00} per month. The judgment is stayed as long as the payment plan is kept current, which it is. The Como Law Firm has illegally reported this dental bill on my credit report. Not to mention it was not my dental bill in the XXXX place it was my wife 's.
Product: Debt collection

THIS ACCOUNT IS FRAUD. I HAVE NEVER BEEN ASSOCIATED WITH THIS COMPANY. THEY ARE REPORTING NEGATIVELY ON MY CREDIT REPORT. I WOULD LIKE THIS ACCOUNT DELETED FROM MY REPORT IMMEDIATELY. I HAVE MADE SEVERAL ATTEMPTS TO GET THIS ACCOUNT REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not conduct a full investigation. Closed the complaint but did not provide the requested proof of method of verification. They sent a general statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be deleted from my file right away. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent Experian a letter asking to remove inaccurate information listed on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I got a hotel room they preauthorized XXXX I checked out on XX/XX/XXXX I recently received the finalized bill of {$150.00} & cash app has not returned my {$50.00} after 14 days. They keep taking money without my permission & keeping it blaming other parties, but the other parties have no part of it. 
Date / Description AMOUNT ( USD ) XX/XX/year> - {$150.00} XXXX XX/XX/year> *Accommodation {$130.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$8.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$9.00} Terms and Conditions The electronic version of your
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit card

I have XXXX promotional balance transfers on this account, but in the " Interest Charge Calculation '' section, where it reflects the APR ( all 0 % ) and end date of each transfer, there is no balance in the column " Balance Subject to Interest Rate, '' even though there is a balance on the card. I think this amounts to unfair credit practices, and prevents the consumer from being able to accurately track where payments are being applied/having a paper-trail reflecting this information. It also prevents a consumer from being able to know the balance that needs to be paid off before the promotion expires - without making a phone call to the bank to get the information. Therefore, the bank is setting up a situation where a consumer could unknowingly let a promotion expire without having paid off the related balance and then be charged interest on the remaining balance after expiration. It also prevents proper planning on the part of the consumer to ensure that the balance is paid before expiration of the promotion. 

The bank has also, in the past ( XXXX 2015 ), charged me a minimum interest charge ( related to a membership fee ) - but never reflected the amount of that membership fee as an amount subject to interest. This prevents the consumer from having an accurate picture of his financial situation, and means the interest will continue to accrue because the consumer can not see the balance subject to interest that would need to be paid off in order to avoid interest.