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

After reviewing my credit report, I found several inquiries from your company that I dont remember authorizing. This is causing me a lot of stress, as these inquiries are impacting my credit score.
Product: Debt collection

I have explained to the representative for the company that I am aware that I owe this debt and I will be paying $ XXXX  monthly to get this debt paid off. I am currently behind so they continue to call me multiple times a day ( generally 4-5 times a day ) Monday - Sunday. They call me while I am at work and I work for a XXXX  and I am often in meetings, they call me while I am at church. I have paid this debt down some and I'm currently paying slightly more that the monthly payment to get it paid off. I have asked them not to call me everyday but I was told they could not control that. I was also told they needed the exact day I would send the payment. The exact date will change because I get paid bi-weekly. Our checks are automatically deposited. Recently, I was 2 days late sending it because our financial director had to leave due to a family emergency so I didn't get my pay as scheduled. Therefore, I was 2 days late sending the payment. This is why I prefer to send it monthly. This is a debt from a car that was totaled. I have paid over 12,000 on this debt and owe XXXX. I don't mind if they call me once or twice a month ( if I miss a payment ) but calling me everyday, 4-6 times a day is excessive. I was going to apply for a loan but the past due is on my credit and has hurt my credit so I am trying to pay this as I go.
Product: Credit card or prepaid card

In late XX/XX/XXXX/early XX/XX/XXXX I applied for a Kohl 's charge card, I got approved for a {$300.00} dollar credit line. I used it the same day online, and paid it off shortly after. When I paid it off I had noticed that I

actually had never recieved my card in the mail. I called to inquire about the card, and to make the payment. The guy told me that it takes 4-6 weeks for the card to get there, and that it should be in my mail in a few days. 2 weeks later it is still not here. I called to find out and the lady woudl not stop telling me that they can not access my account right now, I had to tell her to stop talking as she was talkign over me repeating the same script time and time again. I told her that I need to close my account, a nd she told me that they were inable to do that. This credit card has been awful! I got dinged on my credit report when I opened it, I have yet to receive it, and now I am goign to get dinged for closing it. I want this credit card wiped from my credit history, as it is clear that even though I have made good faith online buys, and paid my bill in full and on time, this company does not want to do business with me.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX XXXX : {$6300.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6300.00} DEPTEDXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am simply asking Experian for a copy of my hand written consent letter ; Given them permission to report anything to my consumers credit report. Ive requested this serval times
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022 my account was debited for three separate amounts {$17.00} {$9.00} and {$46.00} in XXXXXXXX XXXX. Meanwhile I live in XXXXXXXX XXXX  and have not traveled. I have advised this to Chime support and they have denied my dispute.
Product: Credit reporting or other personal consumer reports

I understand that you've been responding to disputes with pre-written standard form letters, despite the specific information provided by consumers. This is not in compliance with the law, as each consumer dispute must be addressed individually. I have the right to dispute any information on my credit report that I believe is inaccurate. It is crucial that all data in a consumer 's file is properly documented and validated before it is used by creditors. Therefore, I take this matter very seriously. The allegations against me are false, and I am determined to fight back. I kindly request that you handle this matter with care and diligence. 

DELETE THIS FOLLOWING UNVERIFIED ACCOUNT ON MY CREDIT REPORT : XXXX - Account XXXXXXXX XXXX XXXX XXXX  - Account 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 XXXX Furthermore, I request tangible evidence of the actions taken and an updated copy of my credit report. The listed claims seem to be inaccurate, so I urge you to provide accurate and verified information for each claim. If the allegations are indeed false, I expect them to be promptly removed from my credit report.
Product: Credit reporting

I 'm filing a complaint because Equifax has not provided me with the documents that their company has on file to validate and verify accounts I requested as I do not recognize those accounts. Please resolve this issue ASAP. 

Thank you XXXX XXXX
Product: Debt collection

I am not responsible for this 2019 debt. Per the FCRA, the right to accurate information, privacy and fairness. This debt is result of identity theft.

Diversified adjustment- Please provide proof where I signed a contract with Diversified adjustment in regards to owing anydebts. Please also provide proof of legal practice for debt collection in the state of Florida along with the originator of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my report a few days ago and found that XXXX XXXX formally XXXX XXXX is back on my report. XXXX was previously disputed and deleted off the report so I should not be back on the report. I called a gentleman on XX/XX/XXXX who stated they can not remove it. I need this removed as it is illegally on my credit report.
Product: Mortgage

Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale date on XXXX/XXXX/XXXX. Recently I have mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called SPS on XXXX/XXXX/XXXX at around XXXX spoke with XXXX asked him whats the status and he told me that they have received a complete Request for Mortgage Assistance packet and its under review. 

Im just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act
Product: Credit reporting or other personal consumer reports

I noticed some inquiries on my report that were not authorized. I have tried to fix this with the companies.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account listed as XXXX XXXX XXXX XXXX I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own this account.
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.

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 inructions 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

I have been charged for XXXX EUR on XXXX of XX/XX/2020 by Google at midnight for the use of Gloud Platform. 

As far as i understood after a long search, the charge was an extension of a trial period. 
I have never been informed by any means ( for example email ) that the trial period has been ended and that the billing process will begin. I have never took any indication based on the trial period so to estimate the charged amount and i have never received a notification for the invoice. 

So i was searching for 2 days alone to find what happened. I have tried to contact with Google. The only way that i have found was via a form where you can put the claim. I received a negative answer without any analysis close to the due date.
Product: Credit card or prepaid card

XX/XX/18 I called american express to get new card. They had a deal so I got one I had a old american express card which I had for 14 Years. Guy on phone Specifically told me if I close the old one that it wouldn't effect my Credit score because the new one would be the same account number. I asked 3 separate times I told him I was a member for 14 years and wanted to make sure that it stayed that way. He said Specifically that the account stays the same only difference was new card number. Said I wouldn't be affected and now more score dropped XXXX Points do to misinformation. They have it recorded and are opening a internal investigation. Issue is as a consumer I now have a tanked XXXX XXXX due to mis information by there Customer service team. The told me I can try to get reinstated, but im past the 30 days and they want to rerun a hard inquiry and can't guarntee that they reinstate. This is a HUGE problem and credit fraud on there end I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of  Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX  XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, Im writing to dispute multiple accounts on my credit report that Experian has failed to properly investigate. Ive recently learned about the CFPB lawsuit against Experian, and it seems the issues theyre being sued for are the same ones Ive experienced.

Here are the accounts Im disputing : Account Name : XXXX XXXX XXXX, Account Number : Issue : XXXX, Issue : Unverified Account Account Name : XXXX XXXX XXXX, Account Number : XXXX, Issue : Unverified Account Account Name : XXXX XXXX XXXX, Account Number : XXXX, Issue : Unverified Account I provided clear evidence to support my disputes, but it seems like Experian didnt actually investigate these accounts. From what I can tell, you just accepted whatever the companies who reported the accounts told you, even though their responses didnt make sense or address my concerns. 
To make things worse, the response I received from Experian didnt explain anything. It didnt tell me how these accounts were verified or provide any proof. In some cases, it feels like you mightve put back old, inaccurate information onto my report without notifying me, which is against the law.

Heres what I need you to do : 1. Reinvestigate each account listed above and make sure you actually verify the information with proper evidence.

2. Remove any incorrect or unverifiable accounts from my credit report.

3. Send me detailed results showing how you inve
stigated these accounts and include any proof you used to verify the information.

4. Make sure these accounts arent added back to my report unless theyre proven accurate, and you notify me in writing.

Please resolve this within 30 days as required by the Fair Credit Reporting Act. If this isnt fixed, Ill file a complaint with the CFPB and consider further legal action to protect my rights. 
Thank you for handling this quickly. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

With my track record of timely payments, this late payment is unfair. I ask that you remove it and update my account promptly.