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

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX XXXX identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Checking or savings account

I had exhausted all my other options so I only proceeded in the mobile deposit because it said {$250.00} would be released immediately and on the XXXX the remainder of the {$1000.00} check would be released. Only to find out that no they put a hold on the check and a woman from my bank called and tried to verify but was not helped. This has put me in an emergency situation and I don't feel this is quite right. I know that it's up to the banks discretion and I truly need this to happen
Product: Debt collection

Since XXXX 2015 I have sent letters to Portfolio Recovery Associates to have an unknown account removed. I was never contacted by them initially, so I can not tell you what the debt is for. I discovered the account on my credit and requested that they send me proof they have the correct person and or advise me of whom the original creditor is and or what it is for ... ... .. To date, I have sent them certified letters on XXXX XXXX, XXXX XXXX and XXXX XXXX 2015 and they have ignored me but continue to report the debt on my credit. According to the credit bureaus they ( PRA ) have verified the debt as belonging to me but have refused to communicate with me. 

Moreover, I have sent XXXX notices to the following addressXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX and have never got a response from them even though I have proof from the Po office it was delivered so I sent another letter to the other address that is listed on my credit which is XXXX, VA XXXX and they refused the letter so it was returned.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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

2022 my experience XXXX and reported it upon notice immediately I'm in there have been delinquent payment reportings due to the unaware of the XXXX. I sent the police report and any other supportive information to XXXX credit card company, and they did find the fraud in my favor but refuse to remove the delinquencies associated with those fraudulent charges. I had to approach a situation and more than one occasion to remove late fees etc. But still to this day I can't get them to remove the delinquencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I received letters and a new debit card, in my name, from XXXX XXXX - stating that I had applied for Unemployment benefits in Colorado. Upon getting these letters - I reported the fraud to the State of CO on their Unemployment website Upon receiving the Debit Card from XXXX - I went to their website to report this fraud and have them close the Account. At the end of the reporting - they listed 3 telephone numbers on their website that I could call to reach Equifax, XXXX, and XXXX - so that I could report fraud / an Account Alert. 

The first number, which I called, was : XXXX. ( I looked up this number on XXXX, and found it again on Equifax 's site - listed as a number to call them about fraud ). 

The problem is this : I called, someone answered, they asked for and captured my Name, Address, SSN, Birthday, Phone, etc ... Then they hung up abruptly and sent me to a survey recording. This is highly suspect to me, and it made me think that the call was somehow transferred to an unauthorized line, where someone grabbed my info. 

I have since placed a freeze on my credit at all three bureaus, but I am very concerned about my identity, and that it may have been stolen, and that I was treated so poorly to suspect that I was speaking with an unauthorized person at one of these companies.
Product: Mortgage

I am required to pay my homeowner 's insurance through my escrow, per my mortgage agreement. My loan has been sold twice since I purchased my house. I am now with LoanCare. I have always had XXXX ( XXXX ) for homeowner 's insurance, with the same policy number- {$2200.00} was due XXXX. LoanCare took this amount out of my escrow account & Homesite says I owe Payment.

Everytime I call Loancare it is over 10 minutes in robot selections, and my call frequently gets dropped, and that is before I ever get the option to speak to a person. This is abysmal customer service for an agency holding my mortgage. My online inquiries get 1 sentence answers that do not resolve my problems and offer no solutions. 

Homesite goes above and beyond to attempt to remedy the problem, including conferencing in the LoanCare call ( on XX/XX/XXXX, XXXX stayed on the line for 12 minutes while we tried to go through the LoanCare phone menu, only to have the call dropped again ) XX/XX/XXXX When I spoke to both agencies, Loancare says the check cleared and XXXX says they have not received payment. 

XX/XX/XXXX They state they did fax a copy of the cleared check to XXXX, again when I spoke to homesite they said they have not received this. 

I bought secondary homeowners insurance to ensure I stay covered but I am still missing {$2200.00} that was taken out of escrow and Loancare can not locate and Is extremely rude about attempting to remedy.
Product: Student loan

I am not able to make my payments and Sallie Mae does not care. They only offered two payment options that would increase my monthly payment even more then they already do. I have called multiple times and nothing was done to help. They told me to not pay it so I can get calls from their collection agency. I live with my grandma and I help pay the bills and I barely have enough to make it day to day. I can not continue paying $ 1000s of dollars going up so much each month. And no one will consolidate because I dont make enough
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. 

Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX .... 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ....
Product: Student loan

Current payment due XX/XX/year> is {$2200.00} XXXX asked them if I can postpone so I can catch up on my payments and they wouldn't let me. They told me that I have to catch up or I will be on late fee {$99.00} + {$15.00}. I told them that I have been making payments but they told I have to pay the full amount by the due date. 

On XX/XX/year> They stop taking money from my checking account, they did not notified me until XX/XX/year> and I have been getting late fees through out the month and I was unable to put in my card information only XXXX time payment. I did not get an email by them or a phone call.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, CPS reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint against EXPERIAN due to nature that a dispute regarding XXXX XXXX # XXXX was resubmitted back onto my credit report with no proper investigation. I received documentation from XXXX  XXXX stating that the referenced account ending in XXXX ( see letter from XXXX XXXX case # XXXX picture attached ) Furthermore, I have submitted documentation to " XXXX XXXX '' SHOWING THAT I WAS XXXX  WHEN THE FRAUD INITIATED!! ( SEE XXXX CASE # XXXX DOCUMENTATION ATTACHED ). " EXPERIAN '' has violated several FCRA VIOLATIONS!!! 

Examples of FCRA violations related to reinserted items on credit reports include situations where credit reporting agencies : 1. Reinsert a previously deleted item without conducting a reasonable investigation into the accuracy of the information.

2. Fail to notify the consumer in writing about the reinsertion of a deleted item on their credit report within 5 business days, as required by the FCRA.

3. Reinsert inaccurate or unverifiable information without providing proof or documentation to support the accuracy of the reinserted item.

4. Reinsert a deleted item without informing the consumer of their right to dispute the reinserted information and have it reinvestigated.

5. Ignore a consumer 's dispute regarding a reinserted item and fail to conduct a proper reinvestigation as mandated by the FCRA.

6. Repeatedly reinsert the same item on a consumer 's credit report after it has been successfully deleted following a dispute, without new evidence or verification. 

Reinsertion on a credit report is when a credit bureau adds back information that was previously removed, often after a dispute. The Fair Credit Reporting Act ( FCRA ) prohibits credit bureaus from reinserting disputed information unless certain conditions are met : The data furnisher ( the bank, credit card company, or debt collector ) certifies that the information is accurate. 
" EXPERIAN '' has not submitted any documentation showing an investigation was conducted. I have submitted documentation showing proof that I was XXXX  when this happened. I am submitting this complaint to the CFPB with documentation showing that fraud was committed against me.
Product: Credit reporting or other personal consumer reports

Experian credit agency reporting late payments beyond 7 years on a closed account -- XXXX XXXX XXXX
Product: Student loan

I requested that they review the payment allocation back in the XXXX XXXX XXXXXXXX. I got very busy with my daughter, working and traveling. In XXXX, during Covid-19 they contacted me to resume payments I asked them to review the payment allocation because I felt as though it should be paid off or very close. I still made and resumed payments with them expecting to hear from them within XXXX days as I was informed. I never received any results from an audit or explanation for the allocations. I lost my job payments stopped. Again around the end of XXXX, start of XX/XX/XXXX I asked them to audit the payments and they stated they would complete the process by XX/XX/XXXX and send me an email with the results. Today is XX/XX/XXXX and I still have not received any explanation for the random allocation of payment or results of any audit.
Product: Debt collection

I am writing to formally request the removal of an account that is inaccurately reported as being in collections on my credit report. The account in question, was paid in full on [ XXXX, XXXX  ]. Despite this, the account continues to be listed under the collections section of my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to ensure that all information reported on a consumer 's credit report is accurate and up-to-date. Since this account has been paid in full, it should no longer be reported as a collection account. I have attached proof of payment for your review. 

I request that YOU immediately update my credit report to accurately reflect the paid status of this account and remove any mention of collections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax is showing me as deceased and not generating a credit score. I am alive and my identification has been provided with my dispute
Product: Credit card or prepaid card

new credit card open in my name which was not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating my rights. I made them aware of fraudulent inquiries and they refuse to investigate/delete them. I have contacted the businesses who fraudulently accessed my credit report. I filed a FTC identity theft complain. These inquiries should be removed immediate
Product: Credit card or prepaid card

I reported fraud in XXXX, 2020. My new card took 1 month to arrive SINCE THEN NONE OF MY DIRECT DEPOSITS HAVE GONE THROUGH-THIS IS MONTHS. KEY BANK IS STEALING MONEY FROM THE UNEMPLOYED. I SET UP DIRECT DEPOSIT TO ANOTHER BANK BUT IT IS NOT GOING TO THAT OTHER BANK. HELP. HELP.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, credit collective services added a deragatory mark on my credit report per XXXX and XXXX. Upon further research, this account was transferred/sold and I an no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was no contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill. According to FCRA, credit collective services has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

This is inaccurately reporting on my report. 
XXXX US DEPT . OF EDUCATIO- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

2017 I was 2months behind on my mortgage. I contacted a mortgage assistance company in NYC. They advised me to miss a 3rd payment which I now know is unethical, they took {$700.00} up front which is also a violation. They never had a lawyer oversee the Modification which is also a violation .I failed to review the modification and singed off on it assuming the company the bank and XXXX XXXX wouldn't take advantage of me. 
I went from a 26 year Mortgage of {$1900.00} per month to a 40 year Mortgage at {$2300.00} per month. Because I was behind 2 payments I am asked to re pay over {$500000.00} more for my home in the long run. 
I'm hoping I can get the Mortgage re-done where its more affordable and because the company represented me violated the law I'm also hoping this Modification can be thrown out .I 'm also looking to get me {$4900.00} back from XXXX XXXX for they're deceptive practices.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Item Due to XXXX Hardship Dear [ Credit Bureau Name ] Dispute Department XXXX XXXX am writing to request the removal of a negative item from my credit report due to financial hardship caused by the XXXX pandemic. The unprecedented circumstances of the pandemic have significantly impacted my financial situation, and I am seeking your understanding and assistance in rectifying this issue. The XXXX pandemic has been a challenging time for many, and I appreciate your consideration in this matter. The removal of this negative item will greatly aid in my financial recovery and allow me to continue rebuilding my credit. 
Thank you for your understanding and prompt attention to this request
Product: Credit reporting, credit repair services, or other personal consumer reports

The last installment payment that I made to this company was paid on time, I have documents that prove I made the payment on time but still reported as late. Even in their own payment history shows I paid on time. I sent them the proof through certified mail and still they haven't correct their mistake from my credit report and it is hurting me greatly.