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

I am writing to formally express my deep concern and dissatisfaction with the credit reporting practices of XXXX, Experian, and XXXX. 
The mentioned agencies have not obtained my consent for the report of the bankruptcy on my credit profiles. These companies need to remove this reporting due to inaccuracies in reporting and violations of Metro 2 compliance. Furthermore, under the Privacy Act of 1974, No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Moreover, I want to state that under 15 USC 1681a and b, it is imperative to guarantee that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a dedication to upholding the consumer 's right to privacy. These entities must adopt reasonable procedures to meet the demands of commerce for consumer credit, personnel, insurance, and other information in a manner that is just and equitable for consumers. This encompasses the safeguarding of confidentiality, assurance of accuracy, relevance, and appropriate utilization of information. 
Included there is a court statement along with an FTC identity theft report, as supporting evidence. 
Furthermore, 15 U.S.C 1681c2a states that it is mandated that a consumer reporting agency must promptly block the reporting of any information in a consumer 's file identified by the consumer as resulting from alleged identity theft. This action must be taken no later than 4 business days after the agency receives documentation from the consumer which I have attached.
Product: Credit reporting or other personal consumer reports

My credit score is very low it was XXXX and changed over night my credit score should be higher than this but your company took it down i am XXXX XXXX XXXX and paying my bills why is my score so low my car paid in full and I paid before time but you took my credit score down
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Demand for Validation of Account with XXXX XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX XXXX ( Original Creditor : XXXX XXXX ) on my credit reports. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that I do not recognize this account. 

Details of the Dispute : Account Type : Collection Date Opened : XX/XX/year> Balance : {$900.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that is being reported against me ( 15 U.S.C. 1692g ). The FDCPA requires debt collectors to provide verification of the debt upon request. Since I do not recognize this account, I am requesting validation of this debt.

Additionally, the Fair Credit Reporting Act ( FCRA ) protects consumers by allowing them to dispute inaccurate or incomplete information on their credit reports ( 15 U.S.C. 1681i ). If the creditor can not validate this debt, I request that it be deleted from my credit reports.

Requested Actions I kindly request that you provide me with documentation verifying that this account is valid and that it belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies.

Please respond to me at the address above within 30 days, as required by the FDCPA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX  Account Number : XXXX Disputed Information : Date of Last Activity : It shows XX/XX/year>, which might be inconsistent if the account has already been closed or hasnt had recent activity. 
It is marked as " Derogatory '', but the balance is {$0.00}, and the account is closed. This could be inconsistent, as an account with no balance should not have a derogatory rating. 
TransUnion categorizes the account as " Savings and Loan Companies '', while other agencies classify it as " Personal Loan Companies '' or " Auto Financing. '' This classification might be incorrect if the loan wasnt from a savings and loan institution. 
Payment History : It states " None Reported, '' which could be inaccurate if the account had payment activity before being closed.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing in response to your correspondence regarding the alleged debt associated with XXXX XXXX XXXX XXXX. Your response claims that the balance of {$580.00} is correct, and that it was validated using the last 4 digits of my Social Security Number and my signature. However, I dispute this debt and the adequacy of your validation based on the following legal grounds : 1. Violation of 15 U.S.C. 1692g Debt Validation Requirements Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), a debt collector must provide : A clear and complete validation of the debt, including a breakdown of the amount owed ( principal, interest, fees ). 

Evidence that you have the legal authority to collect this debt on behalf of the original creditor.

Verification of my signature and documentation that clearly demonstrates my consent to this debt.

Your response only mentions the last 4 digits of my Social Security Number and a " signature '' without providing : A copy of the original contract or agreement with XXXXXXXX XXXX XXXX XXXX containing my full signature. 

Proof that XXXX XXXX XXXXXXXX is legally authorized to collect this debt. 

2. Violation of 15 U.S.C. 1692e False or Misleading Representations Under 15 U.S.C. 1692e, it is unlawful for a debt collector to use false, deceptive, or misleading representations to collect a debt. By claiming validation without providing actual proof of the debt, you are in violation of this statute. 

3. Failure to Provide Proper Validation as Required by Law Under 15 U.S.C. 1692g ( c ), if a consumer disputes a debt, the collector must cease collection until sufficient validation is provided. You have not provided : A detailed itemization of the debt, including dates of service and services provided.

Documentation that shows how the balance of {$580.00} was calculated.

Demand for Immediate Action Cease All Collection Activities Under 15 U.S.C. 1692g ( b ), you are required to immediately cease all collection efforts until proper validation is provided. 

Provide Complete Documentation, including : A copy of the original agreement showing my signature and consent to this debt. 

A detailed itemization of the debt amount, including all fees and interest. 

Proof of your legal authority to collect this debt. 

Immediate Deletion of This Account from My Credit Report If you can not provide proper validation, this account must be removed from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ).

Notice of Escalation and Legal Action If you do not comply with the above demands within 15 days, I will : Pursue legal action for willful non-compliance under 15 U.S.C. 1692k and 15 U.S.C. 1681n, seeking damages for unauthorized credit reporting and collection activities.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$7500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2600.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX 2021
Product: Debt collection

I checked my credit report and found an account ( XXXX XXXX XXXX ) that does not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a loan with XXXX XXXX # XXXX phone # XXXX i have agreement with loan care due covid -19 forbearence plan set up for180 days because my loan is a XXXX XXXX holder and now XXXX XXXX  reported to experian my credit agency that i am delinquent 60 days experian have fisco score down from XXXX to XXXX i want to disputed because loan care told me that it reported that way and experian told me XXXX XXXX reported as dilinquent i need this matter to resolved by loan care thank you XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I cant open any bank account because, BMO BANK N.A . CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PHONE XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Original Charge Amount : {$9100.00} is violating chexsystems consumer privacy laws. While I contacted them to resolve said account, they wont answer any phone calls or respond to mail correspondences. Please remove this account from my chexsystems report for violating U.S.C. 1681.
Product: Payday loan, title loan, or personal loan

I received a garnishment taken from my paycheck in the amount of {$390.00} to an old account from back in XXXX. I contacted the loca company, which sent me to the cooperate office & was told I wasnt in their system as owing them anything but to contact their partner which was a law firm. After speaking with the law firm I was told that I would be reached & wasnt. Ive made several calls & emails to the company. I had a total garnishment of {$1600.00} which I have documentation of it being paid which includes the attorney fees, court cost as well as the total amount from the company. After I kept calling the loan company neither of our payments added. Ive written the home office & went to the local office which had made calls on my behalf & gave me a number & extension of who to speak to. Well after finally speaking with him I was told that Im paying 35.75 % interest on the garnishment which was paid out in XXXX. I went to our local courthouse who re-opened the case back in XX/XX/XXXX because the law firm seems to be saying to them the debt wasnt settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted this creditor several times to notify them that the account is fraudulent & nothing has been done to remove this from my credit report its cause me financially & mentally because its Hindering me from being able to qualify for different lines of credit
Product: Mortgage

I have a mortgage serviced by Chase for a property in XXXX, New Jersey. I changed insurance effective XX/XX/XXXX and paid premium directly with my insurance broker. I followed Chase 's procedure to inform them of change. 

Chase proceeded to send a check to the insurance company out of my escrow account for the premium amount of {$1400.00} despite the fact policy was already paid for. I was informed toward end of XXXX of the shortage in escrow this caused and that my payment would go up as a result. I contacted my insurance company ( XXXX XXXX ) who confirmed they never cashed the check they received from Chase ( as policy was already paid ) and sent that check back. 

I called Chase on this at end of XXXX ( I believe the XXXX but not 100 % sure of date ). After an hour long conversation and multiple hand offs and holds they confirmed the check had not been cashed, that they would stop payment on the check and within 7-10 business days the funds would be returned to my escrow account. 

I checked back with them on XX/XX/XXXX which was more then the allotted time for resolution. In the interim they had performed another escrow analysis showing no change to the account. I spoke to them again, had to re explain the situation again and go through the same hand offs and holds and was told again that they would put a stop payment on the check and it would be resolved. This time they told me within 3-5 business days. 

Nothing has changed on my escrow account in the interim and the higher monthly payment to cover the shortage they created is now reflected on my statements going forward starting in XXXX. I called Chase again first thing this morning ( XX/XX/XXXX ) and had the re-explain this situation again and was put on holds and handed off to multiple people again. No one I speak to there ever seems to be aware of the issue or have any idea what is going on. 

I was told this time that there is no timeline they can give me for a stop payment to process even though they are the issuing bank on the check and have been aware of issue for over a month. I asked to speak to a supervisor and was told no one was available but I would receive a call back in a couple of hours. No one has called me back from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Banana Republic issued new credit cards. When the new card arrived, I went online to activate the card. My online account was automatically updated with the new Card information. However, my automatic payment information was not transferred to the new Card. As a result, automatic payments were not made for two billing cycles. I was charged {$80.00} in late fees and interest for two months due to lack of payment. 

I called on XXXX/XXXX/22, they stated they would credit my account for the fees given their error in conversion. However, the credit would not appear until the next billing cycle. I would continue to accrue interest on the {$80.00} fees if I did not pay the fees. I should not be required to pay for invalid fees and then receive a credit a month later, the fees credit should be processed immediately.
Product: Credit card or prepaid card

My Chase credit card were suddenly all closed. I called the customer service to reinstate them, I was told that closed account could not be reopened and that I had to apply for new cards. After a while I applied for Chase credit card and my application was denied to to previous unsatisfactory relationship with Chase. At first I argued that I never had any missed or late payments with Chase, but then I was told that there were two accounts from 2004 that were opened in my name and were both charged off. The CS provided me with the Chase Recovery Services phone number. After speaking to an agent I received a letter from Chase that said that the account was opened fraudulently in my name and therefore they removed it from my Chase profile. After a year I applied again and received another letter that application was denied due to unsatisfactory relationship with Chase again. I called this time and was provided with the same number. I called and requested that all these fraudulent account were removed from my Chase profile. I was later told that an investigator was assigned to my case and was given his number with extention. 
I call the number and leave messages but no answer or call back. I am really worried because if I had previous relationship and that was unsatisfactory why I was approved for Chase cards and later my cards were closed. This means that this information was not there. Unfortunately it does not show in my credit report to dispute it, but exists internally with Chase under my profile.
Product: Debt collection

On XX/XX/20 this debt collection was placed on my credit report. I have not received any documents regarding this collection, no one as attempted to contact me regarding this account. I have no knowledge of this collection, Whats so ever. This fraudulent account is negatively affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to dispute information on my credit report. 
This information, in my credit inquiries from this companies : XXXX XXXX XXXX, inquired on XXXX XXXX PNC BANK , inquired on XXXX ; XXXX, inquired on XXXX ; XXXX XXXX XXXXXXXX, inquired on XXXX ; XXXX XXXXXXXX XXXX, inquired on XXXX ; XXXXE, inquired on XXXX ; XXXX XXXX XXXX XXXX inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX inquired on XXXX ; PNC BANK, inquired on XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXX, inquired on XXXX ; PNC BANK, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXXXXXX XXXX XXXX XXXX XXXXXXXX, inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX is inaccurate because I did not request credit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy petition on XX/XX/2020. Several creditors closed my account per policy even though they were not listed in my bankruptcy petition some of the accounts updated as close/payed as agreed, other accounts that were listed under bankruptcy by mistake, when they were not listed in the petition agreed to update or remove their accounts from the credit file because the accounts were at a XXXX balance when they received the notice. 

I have filed multiple disputes with SunTrust Credit Card Services and XXXX. SunTrust stated that they had to close my credit card account after receiving notice and this was per their policy. SunTrust continues to report my account inaccurately as they claim my account was discharged through a chapter XXXX bankruptcy, the company is also reporting the closed account as being continuously delinquent every single month which only updates itself the following month so it stays delinquent for 30 days until the next month in which it erases itself from the previous month before and update as delinquent again in the current month even though SunTtrust reports the account as closed. 
SunTrust is refusing to remove the bankruptcy tag and has failed to show any proof or documentation other than the initial notice they received as public information from the US Bankruptcy Courts just as the other creditors received as a courtesy. SunTrust Credit Card XXXX was not listed on the creditors matrix as an account to be discharged in my petition. When I asked SunTtrust to remove this inaccurate information, they stated they could not remove the bankrutcy tag in their system and only could provide me a copy of a XXXX balance letter, stating the at the time they received notice of petition filed on XX/XX/2020 the account was at a XXXX  balance. 

XXXX  claims the letter only supports the account was at a XXXX  balance but does not state they request the account to be removed therefore, XXXX  refuses to remove the account or remove the negative reported inaccurate information. Whenever I file a dispute with XXXX  and a investigation is conducted the investigator states the account representative always reports what is in their system that the account was discharged in chapter XXXX bankruptcy, which they ( Suntrust ) admitted they can not remove this tag from the system, therefore information reported from this creditor will continue to report inaccurate information unless they ( Suntrust ) agree to delete this credit card account from XXXX. 

I submitted this XXXX  balance letter provided by SunTrust to the other two credit reporting agencies XXXX  and XXXX, and it was sufficient enough to remove this account from the credit files I listed above, but XXXX says this XXXX  balance letter it is not sufficient and this is why they have not removed the account. They claim this letter simply updates the account as XXXX  but does showcase the creditor is asking their file to be deleted. This is why I am also making a complaint about XXXX as well.