23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with National Creditor Adjusters have been settled for years and should be deleted. It is reported to XXXX as closed but XXXX and XXXX as open. I have sent an initial dispute and then a reinvestigation to the bureaus to get this updated and I have had no success. I have called NCA some time ago and then recently again mid XXXX and they have confirmed that this account is indeed closed and that it is the credit bureaus that has the error but I do not believe this to be true.
Product: Payday loan, title loan, or personal loan

Iron Capital Group advertises that you can get a credit line to start your business, all you need is a FICO score of XXXX. I spoke to a salesperson " XXXX '' he explained everything verbally, as it is explained on their website. I was instructed to sign up with XXXX XXXX XXXX, ( a credit monitoring service ) and supply Iron Cap my username and password. Even though my FICO score is XXXX, they said I was being denied because of a few derogatory items on my report. Even though these items have been paid, Iron Cap says they wont be able to fund me. Before I gave them my social security number, they confirmed that they were only concerned with FICO. After I contacted them stating I didnt see the unpaid items on my credit, and that I need more explanation or I would be forced to report them. The director contacted me stating that they meant to change terms on website, and they would n't be able to change for a few weeks, asking me to wait until they had a chance to change the site before I contacted Consumer Affairs. He said there may be other loans that I qualify for but they were unfavorable. He also didnt offer any info on any loans that I qualify for. I believe this company doesnt want to fund XXXX XXXX Business. There are no traces of minorities on website, and I bet they have never funded any.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. XXXX continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions ; Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment. The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.
Product: Credit reporting or other personal consumer reports

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. Also I need a copy of the original contract. following account ( XXXX XXXX XXXX ) is reporting a balance of ( {$1200.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$1200.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dozen Complaints and yet XXXX XXXX, XXXX XXXX, and XXXX mortgage has failed to provide truthful information to the credit agencies. After 5months of my mortgage loan account having a XXXX Balance, XXXX XXXX, XXXX XXXX, and XXXX reported a Negative Remark which impacted my credit Report XXXX on XXXX XXXX causing me harm. XXXX XXXX, XXXX XXXX, nor XXXX had the right to Report any information pertaining to me to Equifax. In XXXX XXXX, XXXX XXXX and XXXX previous replies I disputed Equifax in XX/XX/2021, in which they replied that same month. Can XXXX XXXX, XXXX XXXX, and XXXX provide the Law which states that as a Lender they had the right to Report a Negative Remark to Equifax during the Month of XXXX, when my intial complaint/dispute was in XXXX? This is two months later, which clearly means XXXX XXXX, XXXX XXXX, and XXXX has violated my rights. How and why would XXXX XXXX, XXXX XXXX or XXXX sworn that what they Report was true, when I clearly don't owe this company any MONEY. Can XXXX XXXX, XXXX XXXX, and XXXX explain why there Continued, Abusive, Malicious Practices, Unethical, Unjust and Unlawful Acts CONTINUE to Retaliate against me after my Loan was Paid in Full, Closed, and With a XXXX Balance. These above parties have NO RIGHT to Report or Update any information pertaining to me if I NEVER disputed Equifax in XXXX or XXXX as they orginally stated.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Immediate Blocking of Inaccurate Account Dear Experian and CFPB, I am writing to express my serious concerns regarding the inaccuracies, misleading information, and outdated data present in my recent credit report. This report has not only caused confusion but has also posed potential harm to my financial standing. I request that this account be blocked immediately due to its numerous violations of consumer protection laws. 
The following inaccuracies are clearly evident in the report : 1. **Misleading Information** : The report includes ambiguous terms such as " Account not disputed '' and " Account reported as a transferred or loss by credit grantor, '' without providing necessary context. This lack of clarity can mislead consumers regarding their credit situation. 

2. **Outdated and Unverified Data** : The report lists inconsistent credit scores ( XXXX XXXX, Experian XXXX, XXXX XXXX XXXX without clear indication of when this information was last verified. Such outdated data violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reports must be accurate and up-to-date. 

3. **Incomplete Account Details** : The report mentions various account statuses and payment histories but fails to provide sufficient details, such as the date of last activity and a clear account status. This omission violates the FCRA 's requirement for completeness and accuracy.

4. **Inaccurate Payment History** : The payment history reflects derogatory marks that do not accurately represent my payment behavior. The FCRA protects consumers from the reporting of inaccurate information that could unjustly affect their credit scores.

5. **Lack of Transparency** : Terms such as " Creditor Type, '' " Account Type, '' and " Payment Status '' are presented without adequate explanation. This can confuse consumers and is contrary to the principles of transparency mandated by the FCRA.

6. **Potential Violations of Privacy** : The report includes potentially sensitive information without clear security measu
res in place. As per the Gramm-Leach-Bliley Act ( GLBA ), consumers have a right to privacy and security regarding their personal financial information.

Given these significant concerns, I kindly ask Experian to take immediate action to block this account from my credit report. The inaccuracies and misleading information have the potential to cause substantial harm to my creditworthiness and overall financial health.

I urge the Consumer Financial Protection Bureau to investigate these practices and ensure compliance with all applicable consumer protection laws. 

Thank you for your urgent attention to this matter. I expect a prompt response and corrective action regarding my request to block this account. 

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

Hello and first thank you so much for helping assist me with this matter. 

XX/XX/2017 Was what I believe was the 2nd or 3rd time I challenged this which I have the certified receipt when I mailed them the letter about this matter. 

It was for the credit card that was {$300.00} that I PAID OFF IN FULL I have truly tried for months to have Wells Fargo correct the status of this credit card from Late to Paid or Paid Charged off ... =- ( the other 2 bureaus completely removed it from my credit. However they are still reporting it on my XXXX as a derogatory remark and its causing me to be denied over and over again. Its hurting my heart! I really am trying to get this taken care of.my credit that I may take out a loan to start my new start up that I am working on. However this has been for months which I have letters of them saying I paid it off and to send that letter to XXXX which I have done sent them a copy to have them remove the comment from Late to Paid, I also have sent XXXX   letters in the form of challenging the remark and they come back to say its correct which I am 100 % sure it is not. I admit when I was in my 20s I did a bad job keeping up with the account after loosing my job with XXXX. None the less I took responsibility and paid it off last year yet they keep reporting that it is Late when it is Paid off!! If you can see my payment history it is 100 % on all 3 credit bureaus. 

I humbly am asking that someone please help me get them to either remove the file all together off my XXXX credit report or Please say its Paid and or closed =- ( I done this challenge process maybe 3 times with them from XXXX as well as them ( Wells Fargo ) directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices.

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX XXXX XXXX, has violated my rights. 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.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING 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 tre
at 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.

This company 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: Mortgage

Got 2nd mortgage with XXXX XXXX in XX/XX/XXXX, amount owed was XXXX, they sold my account to XXXX XXXX  in XX/XX/XXXX after 16 yrs. I finally paid it off in XX/XX/XXXX, when I got the DEED of TRUST amount showing on it was XXXX after paying XXXX per month for 25 yrs. you  would think amount would go down instead of up. Not sure whats going on but I would like to know if any one else is having this same problem with SELECT PORTFOLIA SERVICING, XXXX Thanks
Product: Student loan

There were several times that I could not afford to pay off my loans. I was told about the forbearance option which I found out later that they were adding the accrued interest to my principal balance which led to me paying much more than the actual loan. I am paying now interest on top of interest from taking the forbearance option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Dispute Department, I am writing to dispute a collection account on my credit report which is being reported by XXXX XXXX XXXX XXXX. The account in question has negatively impacted my credit score and financial wellbeing, and I believe it should be removed from my credit report. 

I have reviewed my credit report and found that XXXX XXXX, XXXX has reported a debt that is not valid or accurate. I have no knowledge or record of this debt and I believe that it has been reported in error. Furthermore, I have not received any notice or correspondence from XXXX XXXX, XXXX regarding this alleged debt. 

As an informed consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and I request that TransUnion conduct an investigation into this matter. Specifically, I request that TransUnion XXXX XXXX XXXX, XXXX and request verification of this debt, including documentation that supports the accuracy of the information being reported. 

Please note that as a consumer, I am entitled to see the source of the information that is being reported on my credit report. This includes the original contract that contains my signature. I request that this documentation be provided as part of the verification process. 

I also want to emphasize that a breakdown of charges is not considered verification of debt. I request that XXXXXXXX XXXX XXXX provide proper validation of this debt, which includes a complete chain of title for the debt and proof that they are legally entitled to collect on it. 

According to the F

CRA, 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must conduct a reasonable investigation within 30 days and review all relevant information provided by the consumer. If the information can not be verified or is found to be inaccurate, the credit reporting agency must promptly delete or modify the information. Furthermore, according to FCRA 609 ( a ) ( 1 ), a consumer has the right to request and obtain all information about them that is being reported by a credit reporting agency. This includes the right to request the original contract and a complete chain of title for any debt that is being reported. 

Finally, I request that TransUnion delete this collection account from my credit report if XXXX XXXX XXXX XXXX is unable to provide verification of the debt within the 30-day period required by the FCRA. It is my belief that this account has been reported in error, and I respectfully request that TransUnion take immediate action to correct this error. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

After a longer health related absence I returned to my small business and found out that there were XXXX purchases deducted from the account over several months. I reported the fraud to BoA. They maintained that i gave someone my bank card which is not true. I never use the bank card for purchases or cash withdrawal. This can be verified looking at the monthly statements. The card is kept in the safe. BoA said they would communicate with XXXX do find out who ordered these items and where they were shipped to. After several weeks i received a letter informing that case was closed and no refund would be issued. No information whatsoever regarding a investigation with XXXX. I called again and they said they would reopen the case. No communication after that. Both calls have been recorded by BoA. Copie of monthly statements can be provided years back that show that the bank card was never use by me.
Product: Credit card

Subject : Formal Complaint Regarding Mishandling of Fraudulent Dispute Chase Bank Case XXXX XXXX XXXX Dear CFPB, I am filing this complaint to report Chase Bank 's mishandling of a dispute regarding a fraudulent transaction on my account, which has caused financial harm and significant distress. Despite providing ample evidence proving the fraudulent nature of the charge, Chase has failed to resolve the matter appropriately, demonstrating a lack of thorough investigation and disregard for customer protection. 

Summary of the Dispute Transaction Amount : {$590.00} Transaction Date : XX/XX/year> Merchant : XXXXXXXX XXXX  ( a fraudulent website ) I initiated the dispute with Chase on XX/XX/year>, after identifying the following fraudulent activities by the merchant : XXXX XXXX altered the shipping information, delivering the package to a different individual named XXXX at an address in XXXX, Ohio, rather than my address in XXXX. 
USPS confirmed the package was not addressed or delivered to me.

The merchant provided falsified documents to Chase, which were confirmed by a Chase representative to have been modified.

The transaction was processed in XXXX, despite the merchant claiming to be a U.S.-based company. 
Chase initially closed the case after accepting the merchants falsified documents without properly reviewing the clear evidence I provided, including : USPS tracking information confirming the fraudulent delivery. 
Screenshots of the merchants website, which has since been shut down and removed by XXXX for fraudulent activity. 
Verification from Chase representatives that the documents submitted by the merchant were falsified.

Impact of Chases Mishandling Despite multiple follow-ups and clear evidence supporting my dispute, Chase has re-billed the {$590.00} charge and imposed interest and late fees on my account. This has resulted in financial harm, loss of trust, and significant frustration as a consumer. 

Resolution Attempts I followed up with Chase multiple times, including written correspondence on XX/XX/year>, and XX/XX/year>, urging them to re-examine the evidence and resolve the dispute. However, no resolution has been provided, and Chase continues to allow fraudulent activity by accepting falsified documents and failing to act in good faith. 

Requested Resolution Reversal of the fraudulent charge of {$590.00}. 
Reimbursement of all interest and late fees associated with the unresolved dispute. 
A formal explanation of Chases investigation process and why the evidence I provided was deemed insufficient.

A review of Chases dispute resolution policies to ensure other consumers are not subjected to similar mishandling of fraud claims. 
Chase Bank 's failure to adequately investigate and resolve this matter demonstrates a violation of consumer trust and financial protection standards. I am requesting the CFPBs assistance in addressing this issue and ensuring that Chase takes accountability for its negligence. 

Thank you for your time and support in resolving this matter. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX, XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TXXXX, XXXX, and Experian Dispute with all three agency they have proof XXXX XXXX reaging this account and provided them with statements and which they have on file and will not delete from report and continue to make me do a dispute. XXXX Dispute # XXXX XXXX Dispute #  XXXX Experian Dispute # XXXX
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to PRINCEPARKER regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear TransUnion / XX/XX/XXXX, I hope this message finds you well. Upon reviewing my credit report, I was alarmed to discover an account listed under my name as an " Authorized User '' that I never consented to or had any involvement with. According to the report, this account was opened on XX/XX/year> and is currently marked as Account relationship terminated. This account, which includes charge-offs and late payments, is not mine, and I have never authorized being added as an authorized user on any such account.