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

XXXX, experian, XXXX : i need you to verify all my accounts on my credit report and check if it's accurate ... because i have my credit report in front of me and it's showing XXXX different things from XXXX different bureaus ... Fcra rules says that my credit report should be 100 % accurate ... and how can it be accurate if there are XXXX different things reporting... please do diligent investigation so my credit report doesn't violate my consumer rights.. here 's the list of the following accounts in question.. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please make sure that all three bureaus are 100 % accurate and are reporting the same exact items on my credit report including date last active, date last payment, date opened and amounts... according to fcra my credit report needs to be 100 % accurate otherwise it needs to be deleted because it violates my consumer rights... XXXX XXXX XXXX... XXXX states The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports.
Product: Mortgage

I signed a statement with every complaint stating that the information given is true to the best of my knowledge ; I believe it is a criminal offense to give false information. 
I believe that the subject of my complaint should be held to the same standard. 
In Case # XXXX, Select Portfolio Services flatly stated that there was no payoff to XXXX Mortgage included in my " modification '' ( actually cash out refinance ) that XXXX did. As the new servicer, SPS should have had full documentation of EVERYTHING, including the paying off of XXXX Mortgage. 
They ( SPS ) continued denying paying off XXXX until I sent proof from XXXX Mortgage, as well as proof that XXXX never communicated with XXXX as to the status of my account. 
Therefore, I would like to add this to my list of complaints : Select Portfolio Services gave you false information in response to my complaint.
Product: Prepaid card

I revived an email from a company called net spend, saying there are problems with my account. I have no knowledge of any account with them ; I dont even know who they are. Upon calling the company, the agent named XXXX, said she could not get into the account and to file a complaint with the FTC. XXXX supplied the FTC phone number.
Product: Credit card or prepaid card

Bank of America needs to clearly explain why have they not raised my credit card limit so I can build up my score and apply for car financing. BofA also rejected all my chances of getting another credit card. The last credit increase I asked for over the phone was {$4000.00} and indicating my income would be around $ XXXX a year. I will not be silent to fight for XXXX justice as I believe BofA does not have other good reasons to deny a credit card increase. Apparently the system only works to give good credit to XXXX  people for this bank. Theyve ruined my chance of getting a good rate for a car. Theyve entirely ruined my credit score entirely. Ive stopped using their cards because theres no point of it if Im not getting anywhere. The big banks are good if youre XXXX and carry a big balance. Otherwise theyll not give a XXXX about you. You should be held liable for your actions.
Product: Debt collection

Investigate these errors with the creditor reporting the information and remove any information the creditor can not verify.
Product: Vehicle loan or lease

I HAVE FILED WITH FTC, I HAVE WRITTEN EQUIFAX 12 TIMES AT LEAST AND CREDITOR NEVER RETURNS MY CALLS NOR CORRESPONDENCE BY MAIL ...
Product: Credit reporting or other personal consumer reports

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

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. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects above that have been challenged, I DEMAND immediate DELETION of these items from 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 XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX 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.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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: Debt collection

Thank you for taking the time to review the complaint. 
After reviewing credit reports in depth. XXXX XXXX 's third-party debt collector continues to collect a debt that is no longer owed due to the statute of limitations and currently established with XXXX XXXX. Requesting emails and different types of attempts ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, ) was never late! I have had exceptional payment history witH 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 my 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 REPORTING 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ) 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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 45 days later, I have not received a accurate response. I have requested supporting documentation to support their reason to keep fraudulent information on my credit report and they have not sent me any investigation results supporting why these accounts are on my credit report. I am being taken advantage of by the credit bureaus and this information is being ignored.this is now my second complaint to try and resolve this matter. Section 611 ( a ) states that failure to investigate items within 30 days gives reason to immediately remove from my credit report. I demand these fraudulent accounts be deleted. My information was also impacted by the equifax and marriot breach as well. There are even creditors who are investigating and admitting the account is not mine. Which i have attached as well.
Product: Credit reporting or other personal consumer reports

Dear CFPB, In accordance with the Fair Credit Reporting Act, everything on my credit report must be 100 % accurate. I am writing to file a complaint against Equifax for not meeting this standard. 

Despite claiming a proper investigation, Equifax continues to report inaccuracies, such as incorrect open dates, dates last active, and dates last reported. These inaccuracies are grounds for removal, and they have violated my rights under : 15 U.S.C. 1681 Section 602 A : This section states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : This section states a consumer reporting agency can not furnish an account without my written instructions or consent. 
15 U.S.C. 1692c : This section states a debt collector may not communicate with a consumer about any debt without the consumer 's direct consent or a court 's permission.

15 USC 1681 ( e ) b : This section requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information. 
For XXXX XXXX XXXX XXXX # XXXX, ** Equifax reports the account status as " Derogatory, '' a high credit of {$10000.00}, and a last reported date of XX/XX/XXXX. However, XXXX reports different information. 

For XXXX XXXX XXXX XXXXXXXX, ** Equifax is the only bureau still reporting this account despite my requests to delete it. I do not recall it being opened on XX/XX/XXXX, nor last active on XX/XX/XXXX. 

For XXXX XXXX, ** Equifax shows a date opened as XX/XX/XXXX, a term of 0 months, and a last reported date of XX/XX/XXXX, which do not match other bureaus ' records. 

I have repeatedly disputed these inaccuracies, but Equifax continues to ignore my concerns. I have included a copy of my credit reports for your review. If these discrepancies are not resolved within 15 days, I will consider legal action.
Product: Debt collection

ABILITY RECOVERY SERVICE Balance {$560.00} ABILITY RECOVERY SERVICE {$630.00} Multiple attempts have been giving to Ability recovery in regard to verifying a debt. No formal nor approved given to show that I legally open this account at schools. I reached out multiple times to dispute the matter with the credit bureaus and also with the collection agency no response has been given to me within timely matter and objects has been verified with no given proof.
Product: Checking or savings account

Citi bank charged returned fee in an amount of {$34.00}. The account was never overdroven and I always had enough funds for purchases.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of certain accounts on my credit report that are older than ten years. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, negative information ( such as late payments, charge-offs, and accounts in collections ) must be removed from my credit report after seven years, and positive information is generally not required to be kept for more than ten years. 
After reviewing my recent credit report, I have noticed that several accounts listed are over ten years old, and I believe they should no longer appear on my report. I am requesting that these accounts be removed in accordance with the applicable provisions of the FCRA. 
The specific accounts I dispute are as follows : Account Name : XXXX Originals Account Number : XXXX Date Opened : XXXX Date Reported : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX Date Reported : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX Date Reported : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX Date Reported : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX Date Reported : XXXX Please investigate this matter and remove these outdated accounts from my credit file. As these accounts are now over ten years old, they no longer meet the requirements for inclusion under the FCRA, and their presence on my report is not only outdated but may also be damaging to my credit profile.

If you need any additional information to process this dispute, please let me know. I appreciate your prompt attention to this matter and expect a resolution within the 30-day timeframe required by law.
Product: Vehicle loan or lease

LGM financial had previously charged my account without authorization on XX/XX/XXXX. The loan payment is late, however, they are contacting my references for payment. The payment has been mailed in. Both myself and my references are being harassed by this company. The lack of respect this company has is out of control. They are intrusive and completely disrespectful.
Product: Mortgage

I have had numerous problems with OCWEN since they have taken over servicing my home mortgage loan. The problems relate to how OCWEN services and applies payments to my home mortgage. I have my mortgage payment set up to automatically be sent by my bank in two payments each month, the first of which is held in suspense around the XXXX of the month until the XXXX payment is sent in by the XXXX for the total monthly payment. On multiple occasions when the 1st payment was received by OCWEN before the XXXX of the month, rather than placing it toward my next monthly payment they would apply it toward my principle. I typically would n't discover this until my next monthly payment was listed as being late and I would have to call to get it corrected. Even though multiple times I asked for them to note on the account about how to credit my payments, I finally had to adjust my 1st monthly payment to prevent it from happening. I never had this issue with any of my previous mortgage companies. The latest issue I had is that I received a notice of a {$1600.00} escrow shortage. I went online to OCWEN 's website, there is no escrow information available and no reference to my escrow shortage. However, there was a place to make a one time direct payment toward my escrow. I made a payment which was credited on XXXX XXXX. On XX/XX/XXXX I received another escrow analysis document and today I found out that rather than applying it toward the escrow shortage, it was applied toward a monthly mortgage suspense payment. I again had to call OCWEN to get the payment reversed today, which they are doing, but it will take at least a day to reverse the payment and another 5 days or more to re-analyze my escrow account. 
I have had more issues with OCWEN servicing my mortgage than any other mortgage company I 've ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I HAVE TRIED SEVERAL TIMES TO REACH SYNCHRONY BANK AND IT IS A CONSTANT LOOP WITH NO SOLUTION. SYNCHRONY BANK HAS BEEN COMPROMISED!!! I HAVE HAD 3 CARDS IN THE LAST 7 DAYS - ALL SYNCHRONY BANK CARDS- COMPROMISED. SOMEONE HAS CHANGED THE MAILING ADDRESS & REQUESTED NEW CARDS FOR MY DICKS SCORECARD ( 3 TIMES ) ACCOUNT, TJMAXX ACCOUNT AND VENMO. I HAVE CLOSED ALL ACCOUNTS AS I NO LONGER TRUST THE SECURITY SYSTEM SYNCHRONY BANK UTILIZES.
Product: Credit reporting or other personal consumer reports

To remove XXXX XXXX account Information ending in XXXX as its not my account and XXXX not responsible for it. Remove it from my account assp!! See attached. 

My ssn XXXX XXXX XX/XX/year>
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 card or prepaid card

Opened up a Comenity Bank Virgin America Visa Credit Card. Original terms of the agreement say that I am eligible for a  XXXX  $ statement credit with my first purchase. It has been about 3-4 months since I opened the card, and everytime I call customer service I do not get a right answer. Please contact the bank to process the credit.
Product: Credit card

I made 2 online purchases of phone refill cards for XXXX that were represented to give me 6 months of phone service for each card. I did received 2 phone cards but they were never activated /paid for by the seller. In other words I paid for 2 cards with zero value. In order to use the cards, I would have to pay the money all over again. I disputed the charges but Citibank denied the dispute since I did not return the cards to the seller. The seller never responded to my request for a return so that option was not available to me. XXXX confirmed that the 2 cards can be used once they are paid for as the seller never paid fr these cards at XXXX. The total amount lost was {$420.00}. I do n't understand why Citibank would not support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received an auto loan to purchase a XXXX XXXX XXXX with XXXX XXXX. The car was repossessed in XXXX. In XXXX I had hired a lawyer after the collection agency had attempted to pursue judgement. A court date was scheduled for XX/XX/XXXX and the plantif XXXX had dismissed the case. I do have a notice of dismissal from New York State.  Since obtaining the other of dismissal I have tried to dispute it myself multiple times. I have disputed the charge with credit reporting systems and my balance actually increased. My balance is now {$10000.00}. I tried to contact XXXX XXXX legal department and I have gotten nowhere.