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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Dear XXXX XXXX, Re : Pre-Demand Notice for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate and misleading information furnished to the credit reporting agencies regarding my account. These violations have caused significant harm to my creditworthiness and financial standing.

# # # Violations of the FCRA **1. Failure to Provide Proof of Validation** Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation and provide proof of validation when a consumer disputes the accuracy of information. Despite my request, you have failed to provide such proof for the disputed account.

**2. Discrepancies in Close Dates** The close dates reported are inconsistent across different sections of my credit report. This violates the FCRAs requirement for accuracy and completeness.

**3. Incorrect Dispute Status** The dispute status listed on the report does not accurately reflect the current status of my disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers are obligated to report accurate information, including the status of disputes.

**4. Inconsistent Dates of Last Verified** The dates of last verification for the disputed accounts vary across my credit report, indicating a lack of proper investigation and validation.

**5. Incorrect Date of Last Activity** The date of last activity reported for the accounts is inconsistent and incorrect, affecting the statute of limitations and my credit score.

**6. Different Payment Status** The payment status reported differs across various sections of my report and does not match my actual payment history, violating the requirement for accuracy under the FCRA .

**7. Misleading and Inaccurate Reporting** The entire report presents a misleading and inaccurate picture of my credit history, which is a direct violation of the FCRAs accuracy requirements.

# # # Demand for Correction and Compensation Given these multiple violations, I demand the following : 1. **Immediate Deletion of Inaccurate Information : ** Remove all inaccurate and misleading information from my credit report.

2. **Monetary Compensation : ** Provide compensation of {$1000.00} for each of the seven identified violations, totaling {$7000.00}, as provided under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ).

Please consider this letter as a formal notice before legal action. If these inaccuracies are not corrected and the compensation provided within 30 days, I will be forced to pursue legal remedies to protect my rights under the FCRA and other applicable consumer protection laws.

I trust this matter will receive your immediate attention. Please provide written confirmation of the actions taken to resolve these issues and the payment of the demanded compensation within the specified timeframe.

Sincerely,
Product: Student loan

I have a private student loan with ACS-Education. I submitted an Economic Hardship Forbearance/Deferment on XXXX XXXX 2016 because of a drastic change in my economic circumstances and inability to make the normal payments I have made for the last 5+ years. I was told it would take 7-10 days. Since then, I have received once inconsistent email after another telling me different things. I have not received a formal reply regarding my request. On XXXX XXXX, I had to call 3 times and got 3 different answers regarding the status of this request! In addition, I asked to see a written copy of the terms and conditions of any formal forbearance request and I was told, astonishingly, that they have no written agreements! How is it possible that an organization can exist and operate as a business with such unethical business practices and violating a consumer/borrower 's rights to agree to terms and conditions AFTER reviewing them in writing instead of verbal, over the phone agreements!? ACS-Education has refused to work with me for a more long term solution to my economic hardship and student loan debt burden. ACS Education has refused to be transparent in their procedures regarding my requests and they have failed to deal with the requests and enquiries in a timely manner or even to have proper writtent forms, agreement and procedures to ensure transparency and consistency. As such, they are in violation of my rights as a borrower and, I believe, engaging in highly inconsistent and unethical business practices, especially in terms of servicing my loan. To date, they have not processed my Economic Hardship Forbearance request for the maximum of at least 31 months to allow me time to deal with my drastic change in circumstances, especially considering that I have made consistent monthly payments over and above what was due for over 5 yeas now. I need CFPB to intervene and help resolve this matter immediately! Please help me! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act CAPITAL ACCOUNTS LLC # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATLEY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Did not consent to unauthorized inquiries below, the inquiries were not authorized. 
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/2021, i sent my first letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX to midland funding, llc, since then they has never responded to any of my letters, on XX/XX/2021 nor XXXXthey are in violation of the law by not responding within the 30 days time frame by law. I would like this inaccurate and unverified item deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$7400.00}.
Product: Debt collection

LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX Re-aged account and reported wrong account begin dates on credit reports. LVNV FUNDING LLC changed the begin dates to well after they had already bought and acquired the debt. LVNV FUNDING LLC failed to send a copy of the original creditors contract and all pertaining documents when requested.
Product: Student loan

Ive been garnished through my income for multiple loans issued first by XXXX XXXX, then serviced through Navient and collected through some debt firm called XXXX. These are multiple private loans Navient has claimed are mine. Through their goons at XXXX, they have claimed to serve me, get a judgement and issue a garnishment, all without my knowledge. Now, the courts have told me I need thousands spent to file papers to state I was not served properly. I think this whole process is duress, as I was intimidated from the start. Now they collect almost {$200.00} per check from me for these loans they are claiming are mine, which I never was able to fight.
Product: Mortgage

This is my second complaint as new information regarding the same loan has come to light. 21st Mortgage Corporation is presently actively attempting to resell my home due to " promises broken '' ( first line of their letter NOTICE OF OUR PLAN TO SELL PROPERTY ). I am not behind in mortgage payments. I did suffer an illegal unlawful detainer which removed my right to land that I had rented for over 9 years. I improved said land as a necessity due to the poor and unsafe conditions I moved into as the space had been vacant for over four years. The bank has stated " no land, no house ''. The Department of Fair Employment and Housing has begun an investigation into discrimination and defamation I suffered due to the fact a mobile home manager has no oversight and can persecute anyone they desire, for virtually anything. The bank is aware of the facts (XX/XX/XXXX letter included in first complaint ), as well as, my letter to them dated XX/XX/XXXXwherein I once again, acknowledge their dual tracking and now their attempt to take ( which they didXX/XX/XXXX) property they have no right to take, and now asserting their " right '' to sell property that is not theirs. Using language so vague as " promises broken '' does not explain nor acknowledge how this bank did not have to process a loan modification, and were able to seize my home, change the locks, and then put the home up for sale without my permission, or involvement. Copies of the last four mortgage payments are included for your review. THIS BANK HAS PARTICIPATED IN DUAL TRACKING AND SIMPLY LIED TO ASSURE CFPB THAT NOTHING ILLEGAL IS HAPPENING. Now I 'm suffering, once again, due to the banks actions, a sale of property I have maintained, improved, and paid for faithfully. If I am the responsible party, why do I have NO AUTHORITY?? PLEASE INVESTIGATE THIS BANK AND THEIR ILLEGAL ACTIONS AS THEY ARE ROBBIING ME OF MY HOME AND MY LIFE. Simply because they can. No one is overseeing unscrupulous land owners, and banks that refuse to lower outrageous interest rates ( XXXX ), and then seize a home they have no legal right to. PLEASE, PLEASE DO NOT LET THEM LIE AGAIN!!!!!!!!
Product: Checking or savings account

Standard stuff from a prepaid card bank, I have unauthorized charges which legally under regulation e laws and guidelines Im not liable for, I immediately have my card canceled and report these transactions, for the bank to deny my dispute claim 2 hours later, not even filing with the merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting everything must be true and 100 % accurate.

The credit bureaus stated that my was properly investigated but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the dates last reported are inaccurate. This is grounds for removal.

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

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Chase Bank has charge me late fees in the amount of {$25.00} for XXXX XXXX, XXXX and XXXX XXXX, XXXX although the due date is on a Saturday and Sunday which is not their legal dates of customer bank operations. I have called and I am being lectured by the Customer Service supervisor XXXX of how many days that I have in the month to pay my bill. I consider this very rude and inconsiderate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX credit card charged off in XXXX. Fast forward to XXXX XXXX XXXX kept the account open and started reporting 90 day lates on my credit report for Equifax and XXXX totaling 24 90 day lates for each bureau. I contacted XXXX XXXX to intervene back in XXXX of XXXX in which I'm pretty sure they got it removed but XXXX XXXX  eventually put this back up.
Product: Credit card or prepaid card

I received a email from Citibank today, dated yesterday stating they closed my account for inactivity, and that the only way to reopen the account is by having my credit rechecked ; which is okay if I wanted a new card, but I do want a new card. It would be unwise for me to allow them to recheck my credit, because they failed to notify me in advance of the closure, and did not give me the opportunity to keep it open. Apparently, they did not want my business. My XXXX XXXX had not been used per their CS rep. ( XXXX ) and Manager ( XXXX ) in the last 25 months. I explained to them both, that I was not aware of that, and that they never notified me in advance to give me the opportunity to keep my account active, which was unfair. So, they both stated it was part of my contract, and in my contract that they could close my account. But, I know it would be proper procedure to notify the customer in advance about the potential of closure of my account, which did not occur ... furthermore, I am listed as a paperless/green customer in their records. No email received about closure without giving the opportunity to use the card is unfair. What fool with allow credit card customers to recheck their credit because of the credit card unethical business practices, I am not a fool. But, I wanted to alert you of their unethical business practices, because someone who might depend on their credit cards is being treated unfairly. I have a excellent credit rating, and thank God  have always had a good credit rating. So, this is just water under the bridge for me. Customers that keep their credit cards at XXXX balance every month should not be penalized, especially for unethical business reasons.
Product: Credit reporting

XXXX XXXX has placed a fraudulent account on my credit reports under collection. We sent proof from XXXX XXXX of the fraud that was conducted. This has caused an issue with my ability to purchase a home and apply for credit cards. Credit reporting Agencies state it can take up to 90 days to remove an item from a report. That should not be for an item that was proven to be fraudulent and should be immediately removed by all three credit agencies if the company recognizes the fraudulent activity. Please help as I need to close on my house.
Product: Credit card

Requesting ECOA notice and statement of specific reasons for application denial for Chase Sapphire Reserve credit card submitted by corporate surety XXXX XXXX XXXX on XX/XX/24 under 12 CFR 1002.9 ( b ). Application was submitted on the JPMorgan Chase website as evidenced by the circled inquiry on page 12 of the " XXXX '' credit report attachment to this complaint.
Product: Mortgage

My escrow was {$2900.00} in XXXX. Then XXXX was removed for property tax and XXXX for property insurance. Then they said I have a XXXX balance, which should be around {$300.00}. Then I paid XXXX to add XXXX and then paid XXXX to add XXXX. They stated XX/XX/XXXX that my escrow balance was only {$62.00}. 

They have taken {$800.00} from me and will not add it back to my account. I've called them and they say the will look into it and call me back.
Product: Credit card

Milestone mastercard have been charging {$12.00} a month for over 3 years. Starting XX/XX/XXXX they charged me {$19.00}. I was charged this XXXX, XXXX and XXXX before noticing the increased fee. I called to ask why have they increased the monthly fee with out notification. I was told they can change the monthly fee. I ask for a refund because I did not agree to this increase. I was told they can not because I used the card but I can cancel my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the fraud/ unauthorized accounts and inquiries from my credit report. From my understanding the account should be removed within 4 days. ( Identity theft report attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account that was charged off over 8 years old through XXXX but is still being reported on my credit report. I have filed several times to have it removed. XXXX did but XXXX and Experian have refused to remove it. Please help.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

A dispute was made to correct inaccurate reporting yet they added more inaccurate late payment information they refuse to report the date closed and the date sold which will removes the late payments after the closed date, On XX/XX/XXXX this account was closed it was then charged off on XX/XX/XXXX and sold on XXXX XXXX. you can not be late in payments after a account has been closed and charged off and sold. 

Explain to me how can I be late 120 days in XXXX, XXXX and XXXX and XXXX of XXXX when this account was closed on XX/XX/XXXX charged off and sold XX/XX/XXXX Explain tome how can I be late 59 days in XX/XX/XXXX in XX/XX/XXXX90 days in XX/XX/XXXX120 days late in may 150 days late in XX/XX/XXXX180 days late in XXXX of XXXX when this account was closed on XX/XX/XXXX charged off sold XX/XX/XXXX, XXXX they have no right to report late payments for the year XXXX if they sold this account on XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Sales handling of disputes, particularly in the recent CFPB lawsuit, highlighted significant issues with the platform. Despite using Zelle numerous Times and reporting discrepancies my financial situation and Zelle fail to investigate my claims adequately. They informed me that recovering lost funds was impossible that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect customers, but also allow repeat offenders, exploited the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns to consumer safety
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 verified that these accounts are being reported correctly? Who verified these accounts? 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 accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I leave a XXXX  or {$2.00} balance on my credit cards.. .as opposed to XXXX balance..

because I find it helps my credit score go up faster..

So XXXX XXXX credit card decided to turn in a one day late {$2.00} balance..

It caused a 60 point drop in my credit score!!!!

Is that fair?... I do not believe so... XXXX XXXX