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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Reporting by Barclays Bank Dear CFPB Representative, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding my account with Barclays Bank. Despite my efforts to address and resolve this matter, Barclays Bank has failed to provide verifiable evidence supporting the reported late payments, leaving me with incorrect and harmful information on my credit report. 

I initiated a formal dispute with Barclays Bank and requested a thorough investigation of the late payments being reported. However, during phone conversations with their representatives, I was informed that they are unable to verify the accuracy of the reported late payments. Barclays Bank admitted that their only available records are limited to bank statements, and they do not have the necessary resources to conduct a proper investigation. This failure to verify the accuracy of the reported information is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, any information that can not be verified must be promptly removed from my credit report. Despite their inability to verify the information, Barclays Bank continues to furnish incorrect data to the credit reporting agencies. This has caused significant harm to my financial standing and has severely impacted my ability to : Obtain a job, including certain federal positions that require stringent background checks. 
Purchase a home to provide a stable living environment for my family. 
XXXX future credit opportunities to rebuild my financial health. 

As a professional working with XXXX XXXX and XXXX XXXX and a dedicated provider for my wife and young daughter, I take my financial responsibilities seriously. The continued inaccuracies on my credit report hinder my ability to build a stable future for my family and achieve my career aspirations, including my upcoming training at the XXXX academy in XX/XX/year>. 

I am requesting the CFPB to take the following actions regarding Barclays Bank : XXXX. Investigate Barclays Banks failure to properly investigate my dispute and verify the reported information. 
XXXX. Require Barclays Bank to provide verifiable evidence supporting the reported late payments or remove all unverifiable information from my credit report. 
XXXX. Ensure compliance with FCRA standards to protect consumers like me from the consequences of unverified and inaccurate reporting. 

Enclosed, I have included copies of my written dispute, correspondence with Barclays Bank, and any supporting documentation. 

Thank you for your attention to this matter. I trust the CFPB will take appropriate action to ensure that my rights as a consumer are upheld and this matter is resolved fairly and promptly. 

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

Experian I received an email from Experian on XX/XX/XXXXXXXX  indicated that my credit rating had gone down. This was a surprise as I have not had any financial changes - no new debts, no new accounts, no new inquiries, no late payments, no negative elements ... My two existing old credit card accounts are always paid off in full before their due date. My mortgage is always paid on time and that balance decreases each month. There is nothing derogatory on my file- I have never had a late payment. Furthermore, my Experian account has had a " freeze '' since XXXX, proving that there has been no new activity. Yet Experian lowered my credit rating score by more than XXXX points with no explanation. 

There is nothing on the Experian website or credit report to explain or justify this change. While I might accept a change of a few points due to their algorithm, a change of more than XXXX points is excessive and has drop my rating out of the " exception '' category. 

Ironically, at this same time, XXXX raised my credit rating score. 

Additionally, I had to hunt through the Experian website to verify that the freeze on my account was still active. This element is hidden ; instead the consumer is immediately presented with advertisements selling " credit monitoring/protection features ''. 

Consumers have the right to understand their credit rating and a generic list of " possible reasons '' why one 's credit rating changed is inadequate and unacceptable. 

Experian is not the only agencies do this... I have filed complaints in the past with the CFPB regarding XXXX doing the same thing - large fluctuations of credit score with no explanation or apparent justification. I am fully aware that the CFPB does nothing but forward my complaint to the credit reporting agency who then provides a generic response which does not answer the question of why my credit report dropped more than XXXX points with no changes on the report.
Product: Debt collection

Tittle max continues to call my work and personal cell phone to collect a debt for someone I do not know. Every time I ask them to stop calling and explain this, they say they will remove the numbers. This is the 4th time this has happened.
Product: Debt collection

On XX/XX/XXXX I was notified by my credit monitoring system that IC Systems placed a collection on my credit report with XXXX. I immediately called and spoke with their representative XXXX XXXX on the same day. XXXX XXXX informed me the account was in reference to XXXX from XX/XX/XXXX. I informed XXXX XXXX that not only have I not received any communication about this debt prior to this account being placed on my account but I was in fact disputing the account as I did not owe XXXX any debt. XXXX XXXX informed me that communication was sent to an address that I have not lived at in over ten years and in a different state, and to an email address I have not used as well. This information was further confirmed by XXXX XXXX XXXX who acted as her manager during the call. I notified them verbally as well as written that they are in violation and have to report something to my credit without communicating with me. I verbally requested the account be disputed and removed for cause and they told me it would not even though they did not follow correct procedures. 

According to the Fair Credit Reporting Act and fair debt collection practices Act they are required by law to communicate the matter to me prior to placing an item on my credit. The recorded conversation clearly states it was not communicated. I want this account immediately removed from my credit report. This action is fraud and I will take action per federal and state laws including Violation of the fair debt Collections Practices XXXX and defamation of Character. A case will be initiated through the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello all, I have disputed a negative remark on my credit report with all XXXX major agencies for XXXX XXXX XXXX The account number ends in XXXX. 

The inconsistencies center around payment information. They are mismatched on every single report. Some show payments, some say CO, so say no payment and they are all different. 

I know, through you, that if they can not verify then they can not legally report this. All three disputes have come back as verified but nothing has changed and all are inaccurate. Can you help?
Product: Vehicle loan or lease

I paid off my remaining loan amount of {$15000.00} and OneMain did not acknowledge it to update my credit profile for XXXX month. OneMain did not release the XXXX for my truck for XXXX month. OneMain knocked my credit report for late payments, decreasing my credit score, even after I paid the loan off. Apart from being a predatory lender, OneMain 's customer service was a joke. While waiting for my title release, I lost out on an offer from someone who was interested in purchasing my truck. Now the value of the truck is decreasing due to forces out of my control. Please take off the late payment reporting to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Credit Acceptance numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. Credit Acceptance told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. Credit Acceptance is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter to this company in regards to a debt being report on my credit report. The company failed to validate the debt instead they sent a list of my medical records, I know this is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to obtain and or access this information.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$400.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX Dispute of Inaccurate and incomplete Information on Credit Report : Account Details : 1. 
Account XXXXXXXX XXXX XXXX Account number : XXXX 2. 
Acount XXXX XXXX XXXX  Account number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy and completeness of the information that Experian has reported on my credit file. I have recently reviewed my credit report, and l have found that there are several accounts, specifically the XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX which are currently in charge off status, that contain erroneous and incomplete information. lam exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request an immediate investigation and correction of these inaccuracies.Firstly, Account XXXXXXXX XXXX XXXX Account number : XXXX and Acount XXXX XXXX XXXX Account number : XXXX, | assert that the information reported is inaccurate. I have not had any association with either of the accounts listed above. 

There seems to be a case of mistaken identity as I have never applied for, used, or held these accounts. I kindly request that you rectify this error by removing this account from my credit report. 

As per my rights under the FORA, I am entitled to an investigation of these disputed items.| request that you conduct a thorough investigation into each account mentioned above and provide me with a detailed explanation of the results within 30 clays. 
I would like to bring to your attention a relevant legal case where Exper an was sued tor violating consumers rights under the FCRA. The case of Smith v. Experian ( Caso No. 
XXXX ) is particularly pertinent to my situation. In this case, Experian was found to have Inaccurately reported a consumer 's credit information, resulting in severe financial consequences for the individual. I believe my case shares similarities with this precedent, and l expect a fair and thorough investigation of my dispute. 
Enclosed are relevant documents and proof to support my dispute. lam willing to cooperate further and provide any additional information you may require. 
Furthermore, I will be copying this letter and all relevant documentation to the Consumer Financial Protection Bureau ( CFP8 ) and my state 's Altorney General Office. It is my intention to bring attention to this matter and ensure that my consumer rights are protected and upheld. 
Please promptly investigate and address this dispute to avold any further consequences. I expect a timely response to this matter. You may reach me at ( XXXX ) or ( XXXX ) for any clarifications or updates. 
Thank you for your attention to this matter. I look forward to resolving this dispute promptly. 

Thanks
Product: Debt collection

This company reported to the credit bureaus that I owe them a debt in the amount of {$980.00}. They have never provided proof of any kind to me. This debt is not mine and I don't owe them anything.
Product: Debt collection

i would rather discuss that over the phone or in person. if that is ok. Thank you!
Product: Checking or savings account

Cash app would not set up an in-person complaint process.
Product: Mortgage

In 2011 my husband took out a reverse mortgage with Urban Financial Group. We had 2 residences on one piece of property and it was recommended that we sub-divide the property so that each residence was separate. We did this and after completion, closed on the mortgage. The second residence was put up for sale last year and when the buyer did a title search it was found that the wrong property was on the mortgage. This was last XXXX. HUD and Urban were contacted at the time and it's now been XXXX months and the situation is still being " discussed internally '' with no positive action to fix this " error at origination ''. I have not been able to " talk '' to anyone about this, all communication has been either with my realtor or emails with HUD and Urban. HELP I need to close on this property as with the length of time it's taking the buyer might well back out
Product: Debt collection

XXXX collection companies, Glass Mountain Capital LLC, and XXXX XXXX XXXX XXXX were collecting on the same debt. On XX/XX/XXXX, I paid Glass Mountain Capital LLC as they claimed to have owed the account since XX/XX/XXXX. Before paying the debt, I asked Glass Mountain Capital LLC to send proof they owned the debt. I never received it ; however, I paid the debt in order to clear it from my credit file. I was never sent documentation or was made aware that Glass Mountain Capital LLC was working with or for XXXX XXXX XXXX XXXX. As a consumer, it is very difficult to read, understand, and decipher credit reports especially across three credit reporting agencies. The account now appears on two of my credit reports, XXXX and XXXX, as XXXX XXXX XXXX XXXX, and as a paid collection. 

I paid Glass Mountain Capital LLC for the XXXX XXXX XXXX  issued by XXXX XXXX XXXX XXXX  with the understanding the credit bureaus would be instructed to remove the collection / tradeline not update it as a paid collection account. Not only is Glass Mountain Capital LLC not reflected on my credit report, the debt is listed with an original creditor titled XXXX FS Card Services and again with the entries reflecting the collection agency as XXXX XXXX XXXX XXXX. The dates reported for XXXX and XXXX show XX/XX/XXXX and XX/XX/XXXX, respectively. The dates opened are also inconsistent, with XXXX reflecting XX/XX/XXXX and XXXX reflecting XX/XX/XXXX. Furthermore, the account was not updated for two years prior to XX/XX/XXXX ( re-aging ) when it was supposed to have been removed from my credit file altogether with the agreed upon payment to Glass Mountain Capital LLC. These all appear to be violations of the FCRA.
Product: Credit card or prepaid card

My pocketbook was stolen out of my car on XX/XX/XXXX, I reported it theft to the XXXX XXXX Police Department, everything was in my pocketbook, Social Security cards, credit cards that belong to me and my husband, XXXX, XXXX, a Netspend card. that was fraudulently used was in my bag, the card was in my husband XXXX XXXX name, and it was fraudulently use of {$3200.00}, that was deposited from the IRS from our XXXX  taxes, and it is under investigation through the XXXX XXXX police department, who has all the information on the fraud and the purchases through surveillance from XXXX XXXX! All this was reported to Netspend, and they refused to give us our money back, they told us that we were getting text alerts about the fraudulent charges through a cell phone that was also stolen and it was in my bag!!! This whole scenario has left us in debt, I am so frustrated with this company! Weve been with them for over 13 years, I cant believe the way this is all playing out! I also reported NETspend to XXXX  new XXXX XXXX XXXX XXXX XXXX!!!
Product: Checking or savings account

XXXX XXXX XXXX XXXX XX/XX/24 Customer Service Chime Bank XXXX : Dispute of Unauthorized Transactions : ( Dispute # XXXX ) Dear Chime Bank Customer Service, I am writing to inform you about the XXXX fraud transactions made on my account, when my wallet and phone were stolen on XXXX. 
I believe they were lost and taken at The XXXX where I had made my previous transaction in XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX. 
I found out later that evening that I was missing both personal items and checked my bank account to further see these XXXX charges made. 
{$1500.00} and {$2500.00} was charged to my checking account. 
I immediately called Chime and was told to go to XXXX XXXX to speak to them to have the charges canceled and stop payment made. I drove XXXX minutes to the location in XXXX to speak to their security team and they told me they would get back to me. 
I am looking for the funds to be back in my account ASAP as I have bills and obligations due this coming week. 
Please let me know if any further information is required from my end to expedite this process. I look forward to a prompt resolution and the restoration of the disputed funds to my account. 
I have attached a police report ( # XXXX ), an email and also another sheet with pertinent info. Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had a secured credit card with Capital One and constantly my payments has been put on hold for them for up 7 days even after opened a checking account with them thats clear the payment in 24hrs the fraud department still placing my credit limit availability on hold I belive because previous I had another account closed by the credit guarantor. My partner has a capital one credit card and this never happens for her every single payment after midnight the limit became available for use so I decided to closed this security account and now the bank has an amount of {$500.00} thats belong to me and is on hold. I want this money because is my money I dont give permission for them to hold my money for 60 up 90 days. I want this funds to be sent immediately to my checking account at Capital One or by Check is ridiculous this policy and I want my money back because more than 30 days has been passed since a closed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding the accounts on my credit report that were obtained illegally and unlawfully. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports ( a ) IN GEREAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates.

I was never notified in writing or any other communication and I am appalled that these sneaky reporting agencies are sneaking around buying and selling information to determine a persons worth. I demand that these accounts be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out disputes to the credit bureaus multiple times and have yet to receive any correspondence from them. Out of all 3 buraus NONE of them have yet to get back to me or provide any results. I know that with Covid there is a delay but they can not flat out ignore my disputes for the items on my credit I need removed! They still have to legally provide results and respond to me regardless of this pandemic! They are reporting serious errors on my credit file and they need to provide me results.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX