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

I am writing to file a formal complaint against Experian regarding their repeated failure to address and investigate the errors on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute through USPS Certified Mail ( Tracking # XXXX ), which was delivered on XX/XX/XXXX. Despite the statutory requirement for Experian to respond within 30 days, they continually refused to investigate my disputes. This refusal occurred in responses dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all citing an alleged belief that the disputes did not originate from me, obstructing my rights under the FCRA. 

Moreover, resorting to Experian 's online dispute form, I raised subsequent disputes on XX/XX/XXXX, followed by another on XX/XX/XXXX, and XX/XX/XXXX. While Experian responded on XX/XX/XXXX, outlining their verification process and once more on XX/XX/XXXX, affirming the accuracy of the disputed items, the investigation results were in stark contradiction to my personal communications with XXXX XXXX XXXX. 

Regarding the account from XXXX XXXX XXXX, the credit report fails to capture complete and accurate information. The reporting inconsistencies include the absence of payment history from XX/XX/XXXX to XX/XX/XXXX, as well as inconsistencies in reported balances and missing payment data. Additionally, despite my attempts to resolve this with XXXX XXXX XXXX directly, their responses dated XX/XX/XXXX, and XX/XX/XXXX, were both incorrectly addressed to XXXX XXXX, a name unfamiliar to me. 

In relation to the XXXX XXXX  Bankruptcy, Experian claims to obtain public record information from XXXX. However, a response dated XX/XX/XXXX, from XXXX contradicts Experian 's investigation results of XX/XX/XXXX, indicating that Experian failed to respond to their dispute about the accuracy of the bankruptcy record. 

Attached, please find copies of all correspondence with XXXX XXXX XXXX, XXXX, and Experian 's responses, substantiating my efforts to rectify these discrepancies.
Product: Credit reporting or other personal consumer reports

My account with CONSUMER PORTFOLIO SVC was never late! I have had exceptional payment history witH capital one 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 those account 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.

XXXX XXXX XXXX  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

I would like this to be remove from my credit report immediately this has ruined my credit please remove these items immediately XXXX XXXX # XXXX amout of {$270.00}. XXXX XXXX .acc # XXXX .amount of {$430.00}. XXXX. XXXX XXXX. XXXX # XXXX .amount of. {$3900.00}. XXXX XXXX XXXXXXXX, XXXX # XXXX .amount of {$340.00}. XXXX. XXXXXXXX XXXX XXXX XXXX .acc # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was mailed paperwork from equifax and which they violated several of my fcra rights and privacy rights. They are reporting high balances on several of my accounts which is against the law and violates me as a consumer. They were asked to update the information not investigate there was nothing to investigate because reporting recent and high balances on my credit report without my consent is a violation of privacy and has ruined my reputation to apply for other products. This is an invasion of my privacy according to FTC. Equifax is not complying with Privacy Act of Consumer Information Rule of the Gramm Leach Bliley Act. There is no law that states bureaus report high balances and transactions which if the bureaus furnished that information on my consumer report that is indeed an invasion of my privacy. Furthermore more they claim they updated my information which they didnt which is a violation of FCRA and other violations of the law as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion to investigate XXXX # XXXX as I know there is incorrect information reported on my credit report. In accordance with the fair credit reporting everything has me be 100 % accurate on my credit report. The TransUnion stated my account was properly investigated, but how is that possible if the date opened is incorrect, last reported date incorrect, date last active also inaccurate. This is ground for removal, they also violated my rights under 15 U.S.C 1681 section 602 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. 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: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I XXXX XXXX XXXX recently received a copy of my credit report and seen the illegally reporting which are unauthorized inquiries. The following inquiries listed are from - ( XXXX XXXX XXXX 700 CreditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize the listed company 's to access or report any inaccurate information on my credit files. I am need assistance with removing the unauthorized inquiries from my credit report.
Product: Debt collection

I was in the last month of my least and gave them notice within the 60 days required that I was moving. I have a video of my apartment on my last day showing the cleaning was completed. In the video it will show the condition of the apartment it needed the carpet cleaned and a few blinds replaced ( all normal wear and tear when you live in a home ) and a handle that came off but was left on the counter. I did not attempt to get my deposit so that it could be used to clean the carpets and replace the blinds plus put the handle back on. Other then that there was no damages and EVERYTHING was clean and ready for the next tenet. I have asked for proof from them of any damages or receipts from any services they preformed multiple times and a itemized account of charges and have not received nothing to support their claim. I do not know how they are saying I owe them {$4500.00} to me they are commenting fraud and trying to scam me out of money I do not owe. I will be happy to provide the video so that you can see for your self. I moved out on XX/XX/2019 my least was up on XX/XX/2019. This is a scam and fraud I have disputed this for over a year and gave them the opportunity to correct their mistake and they have not so now I need your help please. The video is to large to upload is there another way to get it to you?
Product: Checking or savings account

Company closed my account because they saw fraudulent activity in my account. They said a check was deposited in my account with fraudulent funds. I explained this wasnt me and to do an investigation but they just closed my account and said I owe them money. This is fraudulent because this was not me and this is defamation of character because this is negatively affecting my credit report as Im trying to get a house.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Equifax, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) in response to the inclusion of an inaccurate and unverifiable tradeline on my credit report. The tradeline in question pertains to an account with XXXX XXXX XXXX XXXX, a company with which I have never had any business relationship. 

This erroneous entry on my credit report not only violates the FCRA but also contravenes consumer protection laws, specifically 15 U.S.C. 1692c and 18 U.S.C. 1028 ( a ), which explicitly prohibit the inclusion of unverifiable information and information obtained through aggravated identity theft on consumer reports. 

I wish to emphasize that I have never engaged in any transactions with XXXX XXXX XXXX XXXX, nor do I possess any knowledge of how they obtained my personal information. The presence of this unverifiable and inaccurate information on my credit report has severely hindered my ability to access credit and other financial services. 

In accordance with my rights under the FCRA, I demand that Equifax promptly initiate an investigation into this matter and expeditiously remove the inaccurate tradeline from my credit report. I require documentation verifying the information attributed to XXXX XXXX XXXX XXXX within 30 days of the receipt of this letter. Should Equifax fail to verify the accuracy of this information, it must be promptly removed from my credit report. 

It is imperative to note that I have previously requested verification from XXXX XXXX XXXX XXXX, who provided only copies of bills, failing to furnish the original application and the original address associated with the application at the time of submission. Furthermore, I have been a victim of identity theft and have duly informed all four consumer reporting agencies of this fact.

Given the repeated disputes I have lodged regarding this account and the failure to provide adequate verification, I insist that Equifax remove this account from my credit report within 15 days. Failure to comply with this demand will compel me to pursue legal recourse, including seeking putative damages for the violations stemming from the inaccurate reporting of this tradeline on my consumer report.

I anticipate your prompt attention to this matter and a timely resolution. 

Sincerely, XXXX XXXX
Product: Bank account or service

Citibank advertised the promotional bonus in XXXX stating that after 30 days of satisfying the deposit requirement ( of new {$15000.00} ), {$400.00} bonus would be deposited in the customer 's account within 90 days. I opened a checking account and deposited {$15000.00} on XXXX/XXXX/16. As of XXXX/XXXX/16, it has been 120 calendar days and I still have not received the {$400.00} promotional bonus. I called customer service to open an investigation. I checked back today and was advised a letter will be sent to me in regard to the bonus. I still have not received the {$400.00} promotional bonus as promised by Citibank.
Product: Credit card

On XX/XX/2023 Norstrom send a letter blocking my credit until they confirmed my identity and giving me a phone number to call, please referred for that letter previous complaint, I called the number to confirmed my info and when they ask me about my legal status I XXXX I say I have credit for tax id and a process to get legal resident, they ask me by when and I say around end of the year, they say unfortunately you was approved by mistake after almost 8 months they say because I don't have a social security number, I say I have more than 5 credit cards including store credits and credit by the credit bureau, I just recently find out I have a rights and protection by CFBP because Nordstrom denied and closed my credit card for no legal status in the country .I offered to provided my stated ID, electric bill and my passport and they say its not sufficient because my legal status in the country I don't have social security number, totally unfair.
Product: Debt collection

Dear Sir or Madam, I am writing to formally file a complaint against the law firm Pressler , Felt & Warshaw , LLP for unlawfully withholding my wages and failing to address my request for investigation. Furthermore, my bank has imposed a {$100.00} legal fee due to their actions. This fee was applied, and my wages were seized despite no legal action or judgment being taken against me. 

The wages in question are being withheld based on an alleged debt that I dispute and categorically do not owe. I want to emphasize that I have never been sued, nor is there any judgment against me regarding this matter. Here is the reference number provided by the bank : XXXX. 

Despite numerous attempts to resolve this issue directly with the firm through emails and faxes, I have not received any satisfactory response, nor has any investigation been initiated. My efforts to clarify and dispute the alleged debt have been completely ignored. 

The unlawful withholding of my wages and the unjust legal fee have caused me significant financial hardship. I am unable to access the funds necessary for my basic living expenses and to meet other financial obligations. This has resulted in undue emotional stress and left me in a vulnerable financial position. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter. I believe that Pressler, Felt & Warshaw LLP is in violation of my rights and federal law by engaging in unlawful debt collection practices, including the wrongful withholding of my wages. I ask that my wages be immediately released, the {$100.00} legal fee refunded, and that the law firm be held accountable for their actions. 

Thank you for your time and prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've noticed a fraudulent charge in my credit card account for {$720.00} in which I had no clue about. I've reported fraudulent activity to my account and ordered the new card I've opened a dispute case with Capital One but after few days they have recharged my account and close the case without providing any reason I've also ask for the documents in which they had their decision based of buy they have refused to provide me anything.The charge is not mine and I should not be liable to pay that amount
Product: Credit card

I reached out to XXXX and fraud prevention countless times and they were both working to fix my credit card declined issue that continued to persist after making successful transactions here and there, I proceeded to call and verify myself multiple times for XXXX and eventually got my account closed with no explanation!
Product: Student loan

I am not sure that MOHELA is properly administering the new SAVE repayment plan on my student loans. On XX/XX/2023, when the COVID pandemic forbearance was still in effect, I applied to switch to the SAVE repayment plan. Please see the attached PDF from studentaid.gov. The interest on my student loan was frozen during the COVID pandemic forbearance. My student loan servicer MOHELA processed my SAVE plan request on or about XX/XX/2023, when the COVID pandemic forbearance was still in effect. Please see attached letter from MOHELA. My monthly payments are {$220.00} under the SAVE Plan. My total student loan balance was {$250000.00} on XX/XX/2023, which is the date the COVID pandemic forbearance ended. Please see the attached screenshot. As of today, XX/XX/2023, my student loan balance is {$250000.00}. Please see the attached PDF of my MOHELA borrower portal homepage. Studentaid.gov specifically states : The SAVE Plan has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the SAVE Plan prevents your balance from growing due to unpaid interest. Please see the attached from studentaid.gov. Even when you add my {$220.00} monthly payment to my {$250000.00} loan balance at the time the COVID pandemic forbearance was in effect, my balance should only be {$250000.00}. My balance should increase to {$250000.00} per month at the most and then revert to {$250000.00} after I make my {$220.00} monthly payment under the SAVE plan. While I am certainly not an expert on the nuances of the SAVE plan, MOHELA has failed to adequately explain its practices to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax and XXXX reporting mortgage as new when it is the same mortgage for 20 plus years it was just refinanced and reflects on score as such
Product: Credit reporting, credit repair services, or other personal consumer reports

ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *PAST DUE *HISTORICAL ACCOUNT INFORMATION. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX and I am personally submitting this complaint, please see attached documents as they will explain my complaint and verify my identity.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681 Section 602a States I have the right to privacy 15 USC 1681 Section 602a Section 2 states a consumer reporting agency can not furnish an account without my written permission 15 USC 1681a also requires such reporting agencies to be 100 % correct in there reporting. In have requested written documentation from your agency and the data furnisher 's you use. The data furnisher 's have related they have no such accounts on my record so I am requesting the written information from your agency : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXX # XXXX {$620.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an address that is erroneously associated with my name and accounts. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at this address and have no connection to it. Despite this, several companies have reported that this address is linked to my accounts. I have contacted these companies to correct this misinformation, but they have directed me to contact the credit bureaus. However, when I contact the credit bureaus, they advise me to reach out to the companies reporting the address. 

This situation has caused significant confusion and frustration as I am unable to resolve this issue. I am providing the following documents to verify my identity and my actual residence : A copy of your passport or your driver licsence. I recommend you use a passport if you have one, because if your driver lisence has the same address that is being shown connected to the accounts it may be difficult to get them remove A copy of my social security card. 
Proof of lease with my correct address. 
A copy of my auto insurance declaration page showing my correct address. 

I kindly request that you update your records to reflect my correct address and disassociate me from the incorrect address listed above. Please confirm receipt of this letter and the resolution of this issue at your earliest convenience. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX, 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 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 that are reported 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. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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