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

I am filing a complaint against XXXX XXXX regarding the inaccurate reporting of a late payment on my account ( Account Number : XXXX ). According to my records, all payments have been made on time, and I did not receive any notification of a late payment. XXXX XXXX reported a late payment on my account without prior notification and without valid proof of any delinquency. I requested verification of the alleged late payment, including dates and associated records, under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ). However, the company has not provided verifiable proof or demonstrated that reporting this information does not violate my right to privacy.

This incorrect reporting is negatively affecting my credit profile, making it difficult for me to secure a new vehicle for my family, and causing undue stress and financial strain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ].

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request.

It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number.

Also, I want to know who you spokewith and on what date.

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters to the credit bureaus asking the bureau to verify the alleged debt. This credit bureau is continuing to report unverified inaccurate information on my account. The bureau has violated so many laws by not showing me proof of how the account was verified, If they verified the account they would have to know the account listed below is past the statute of limitations and should no longer be reported to the credit bureaus. I've sent multiple letters certified and mailed Account name : XXXX-XXXX  Account Number : XXXX Account Open Date : XX/XX/XXXX Account Name : XXXX  Account XXXX Account Open Date : XX/XX/XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Open Date : XX/XX/XXXX The accounts are reporting past the statute of limitation. 

The Statute of Limitations ( SOL ) is a crucial debt collection law in Texas, but it is not the only regulation protecting your legal rights in the XXXX XXXX XXXX. The SOL is four years for all types of consumer obligations. 

The Texas Civil Practice & Remedies Code provides a 4-year limitations period for types of debt. The SoL begins after the day the cause of action accrues, ( Section 16.004 ( a ) ( 3 ) ). 

Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary, Delete Immediately This is a VIOLATION and must be deleted
Product: Mortgage

On XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, I had conversations with my mortgage company Cross Country Mortgage after receiving paperwork via mail for a modification. This modification was sent in response to my assistance request due to a change in income and increased debt. During the most recent conversation with XXXX XXXX, I confirmed receipt of the modification paperwork but explained that I wasn't satisfied with it due to the increased payment amount and interest. She replied " I didn't have to sign it, '' so I then asked " If it were possible to receive a forbearance to give me time to do a financial plan to pay up the delinquent amount, '' which she advised that " Forbearance is only for those that currently have no income. '' I expressed that I received it in the past while still having an income but my income was reduced. She stated, " We gave you a modification to assist you and already provided you a partial claim in the past. '' Before she could finish calling me out for being in financial trouble I expressed that I am unfortunately in another hardship due to various changes in income and debt. She wasn't helpful or cooperative so I ended the call. I received a phone call from XXXX  the same week stating that my application is being reviewed and expedited because I applied for the home assistance program for Florida in the past but didn't receive assistance due to a lack of funds and a close out of the program. I am hoping this assistance comes soon otherwise I will do my best to devise a plan to get caught up on my mortgage. Going from a payment of {$1600.00} with a 3.25 % interest rate to a payment of {$2000.00} with a 7.125 % interest rate isn't much of a modification and is not going to assist me in my current situation.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit card or prepaid card

Barclay 's closed my and my wife 's ( XXXX XXXX XXXX and XXXX XXXX XXXX ) credit cards at the end of XX/XX/XXXX with no notification or justification for the closure. I attempted to use my card and it was declined, which is how I learned of the card closure. We received letters in the mail 2 weeks later that provided a vague reason of we can close accounts at any time we see fit. I had XXXX reward points in my account and my wife had XXXX in reward points at the time of the closure. I asked for those points to be redeemed to our accounts at a value of XXXX cent per point ( {$960.00} and {$160.00} ), which is how we always redeemed our rewards via travel redemptions. Barclays refused to redeem the rewards and said they the points had been lost ( and confiscated ). I do not believe this is how this should have been handled and I request that Barclays honors the rewards points I had in my and my wife 's account and reimburse us for those confiscated points.
Product: Credit reporting or other personal consumer reports

The continued presence of inaccurate information on my credit report has caused significant financial harm and emotional distress. Misrepresentation of my personal and financial details constitutes a serious violation and an act of fraud. This has misled creditors, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial health. Rectifying these issues has been an ongoing and stressful process, further eroding my trust in the credit reporting system. 

Moreover, the persistence of these inaccuracies despite repeated disputes suggests willful neglect and financial coercion. This refusal to correct false information not only exacerbates my financial challenges but also inflicts undue emotional strain. These actions represent a disregard for my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which are designed to protect consumers. The harm caused extends beyond financial losses, significantly impacting my daily life and mental health.
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

The company Indiana XXXX XXXX XXXX and I have the same understanding regarding the late payment reported on the account XXXX. However, there needed to be a better understanding of the payoff date. A late payment was reported in XX/XX/year>. This loan was initially a 72-month loan but was extended to 76 months due to a skip-a-pay feature. This caused the payment to be reported as late a month before the balance was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit reporting act XXXX Account # XXXX, 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 a account without my written instructions.

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

I received a chase debit card in the mail and I do not have a chase bank account. Someone opened an account in my name. I also pulled my credit reports and their showed soft inquiries by J.P. Morgan and chase company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX **Subject : ** Formal Complaint Against XXXX XXXX XXXX for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against XXXX XXXX XXXXXXXX for ongoing and inaccurate reporting of a closed account on my credit report. Despite this account being closed, XXXX XXXX continues to report balance updates, which is both misleading and in violation of the XXXX*Fair Credit Reporting Act ( FCRA ) **. These inaccuracies are negatively affecting my credit standing and causing significant distress. 

**Details of the Issue : ** - The account in question ( Account Number : XXXX ) has been closed ; however, XXXX XXXXXXXX XXXX continues to update the balance as though the account is active. This is inaccurate and constitutes false reporting under the FCRA. 
- This repeated inaccuracy has been reported to credit bureaus ( XXXX, XXXX, and Equifax ) but remains unresolved. 

The FCRA requires that all information reported to credit bureaus be accurate, complete, and up to date. XXXXXXXX XXXX failure to correct this issue is a clear violation of my rights under federal law. As a result, I am requesting immediate action by the CFPB to address this matter. 

**Resolution Requested : ** XXXX. I demand that this account be **immediately removed** from all three credit reports ( XXXX, XXXX, and Equifax ) due to its inaccurate and misleading reporting. 
XXXX. I request that XXXX XXXX XXXX cease all further reporting of this account and any related balance updates. 

Failure to resolve this issue promptly will result in my pursuit of legal action, including seeking damages for each inaccuracy related to this account, as permitted under the FCRA. 

**Supporting Documentation : ** Enclosed are the following documents to support my complaint : - A copy of my recent credit report showing the inaccurate reporting. 
- Documentation confirming the accounts closed status. 

I trust the CFPB will take immediate and appropriate action to ensure compliance with federal regulations and protect my rights as a consumer. Please confirm receipt of this complaint and provide me with a timeline for your investigation and resolution. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX **Enclosures : ** 1. Copy of Credit Report 2. Proof of Account Closure
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 this completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX. I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Checking or savings account

To whom this my concern or can help me resolve. I have a account with chase a checking account. Chase is the bank that writes my spousal support payments every two weeks. My check are never on time from headquarters in Delaware J.P. Morgan bank. 
I have been struggling to get chase to send me my check on time for the last 4 years. Every responsible of bills and rent in my name depend on my checks they send them late after the XXXX th and after the XXXX of each month for 4 years. Chase has control of my money under a court order demand sign from judge here in the XXXX ca county. Chase has charger me XXXX for each idem. If I get my check by mail its late everything is late. My spousal support money is all I have to live on. They will not work with me at all around 4 years of charges to my account. I have a outstanding XXXX late fees for insufficient funds. I feel they owe me all the fees refunded from 4 years they are in control of my money. They send it when they want they are just making money from me. How can I resolve all my fees refund back for 4 years of chargers when they have control of my money.
Product: Student loan

I contacted Mohela Loan Servicer multiple times regarding my PSLF application. I have worked over 20 years for the same employer which is an eligible PSLF employer. My application was processed and I only received one payment applied to my tracker count. This count is inaccurate. When calling I get different responses from different representatives at Mohela. I just want a fair and accurate count which I believe I am eligible for forgiveness.
Product: Mortgage

Specialized loan services asking me to pay down payment for XXXX XXXX dollars which I dont have that money.
Product: Credit reporting or other personal consumer reports

Im filing this complaint due to Experians willful, intentionally and consistent failure to conduct a reasonable reinvestigation of my credit report disputes, as required by law. 

Their current violations against me mirror those of the XXXX complaint case # XXXX you filed in California. Experians continuous patterns of misconduct, failing to conduct reasonable reinvestigations, failing to provide written notice of reinvestigation results, failing to produce accurate reports, failing to timely remove a security freeze and failing to follow reasonable procedures to assure maximum possible accuracy of reported information on my report is causing me substantial harm. 

I have filed 7 complaints with the CFPB expecting your help to resolve these issues. Experian continues to provide false, inaccurate and misleading information on my report and to you in their compliant responses. Subsequently you close them out without confirming the information they provide or verifying the issue is resolved in accordance with the Fair Credit Reporting Act. 

The most recent dispute was sent via certified mail to Experian on XX/XX/XXXX. I demanded a reinvestigation of the items Ive been disputed since XXXX that Experian refuses to properly reinvestigate with the furnishers of the information and provide me with the proof of such. They also added a fraud alert to my report that I did not contact them to request. 

I required Experian to contact me only by a written letter ( no emails or phone calls ) with their results, a copy of my report and confirmation of the fraud alert removal. Experian failed to provide a written response to the dispute. 

I am requesting your assistance to get Experian to comply with law and make the corrections to my consumer report I am disputing. If they refuse, I demand Experian provide me with written documentation swearing under penalty and perjury laws they were there when all the accounts and/or alleged debt were established and can prove with documentation they received from the creditors the information is 100 % accurate. I demand they also swear under oath that I signed for the reporting of the accounts and I signed documentation agreeing to add Experian to the account to be able to report on it. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe mental, financial and emotional distress.
Product: Consumer Loan

Hi, my name is XXXX. BMW FINANCIAL SERVICES place a late payment on my credit report. It is dropped my score by XXXX points. BMW FINANCIAL services does not want to correct the error. They sent the statement to the incorrect address. I need to resolve this matter inmediately. I have been trying to reason with them and they did not want to do it. Please help it is affecting me personally in the business as well as mentally.
Product: Credit reporting or other personal consumer reports

This account is being erroneously reported in my credit report. Its reporting as collection/charge off, which is completely incorrect, when I have a good paying history.