23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When logging into my account, I found out it is restricted so that I can not use my credit card due to potential fraudulent activity. I was never called or emailed to be alerted to this possible fraudulent activity by my credit card company or to be told that my card was put in restricted status. Upon calling my credit card company, I was told I would have to provide my Social Security Card in addition to a bank statement or billing statement and my drivers license in order to remove the restriction. I do not feel comfortable sending this information via the internet even if it is through a so-called secure link or messaging system so I asked the company to close my account. I was told that my account could not be closed and that it will remain open in a restricted status until I provide my personal sensitive information including my social security card. The company would also not release the nature of the fraudulent activity on my account. I do not feel comfortable leaving this account open and do not feel comfortable providing copies of my social security card through the internet. I want this account CLOSED and am very frustrated that the company will not close it.
Product: Mortgage

Ditech formerly known as Green Tree Servicing, LLC made an interest and principal payment adjustment for my XXXX 2015 monthly payment of which Green Tree Servicing has already acknowledged in the past to making adjustments and still has not been corrected. Adjustments seem to take place when I make an additional principal payment on my fixed rate mortgage that has no prepayment penalty. Adjustments of daily interest occur starting the XX/XX/XXXX and is added to the next months monthly interest. Also their website financially binds the clients and I absolutely did not agree to the Web term use. The website disclaimer reads in part, " You ( and not Ditech ) assume the entire cost of all necessary servicing, repair and or correction. The same disclaimer wording also for Green Tree " You ( and not Green Tree ) assume the entire cost of all necessary servicing, repair or correction. ''
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for their failure to respond to my credit dispute within the legally mandated 30-day timeframe, as outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). On XXXX XXXX XXXX I submitted a dispute to Experian regarding several inaccurate and unverifiable accounts on my credit report. To date, I have not received any response or resolution, which constitutes a violation of my rights under the FCRA. Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details of the Issue Under 15 U.S. Code 1681i, credit reporting agencies are required to : Conduct an investigation into disputed items. Complete the investigation within 30 days of receiving the dispute. Provide a written response detailing the results of the investigation. Experian has failed to meet these obligations, as 30 days have passed since my dispute was submitted. This non-compliance has caused undue harm to my creditworthiness and financial well-being, as the inaccurate accounts remain on my credit report. Legal Basis for Immediate Deletion The FCRA mandates that disputed accounts must be deleted if they can not be verified as accurate within the allotted timeframe. I am now requesting that these accounts be permanently deleted from my credit file due to Experians failure to respond as required under the law. Requested Resolution Immediate deletion of the following accounts from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Confirmation of deletion via written correspondence. Enforcement action against Experian to ensure compliance with the FCRA and protect consumers from similar issues in the future. Attachments Copy of the original dispute letter sent to Experian ( dated XX/XX/year> ). Proof of mailing/delivery receipt for the dispute letter. Copy of the credit report highlighting the disputed accounts.
Product: Credit reporting or other personal consumer reports

Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 
Its been that advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 



XXXX XXXX - **** - XXXX ( b ) Disputed debts - Validation of debts - This Account is Inaccurate and I'm seeking litigation please delete at once XXXX **** - XXXX - Validation of debts - This Account is inaccurate and Im seeking litigation please delete at once. 

XXXX - **** - XXXX - Validation of debts - This Account is inaccurate and Im seeking litigation please delete at once. 

XXXX XXXX - XXXX - Validation of debts - This Account is inaccurate and Im seeking litigation please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for the following information to roll off of my credit report after 7 years. I just requested on online credit report and it says it is 10 years. Did the rule change? Is there anything I can do about it?     -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A lien is a legal claim on an asset, and Equifax only collects tax related liens. Liens stay on your credit report up to 10 years and generally have a negative impact on your credit score.     Case/Docket #  XXXX  Date Filed  XXXX / XXXX /  XXXX   Court DE  XXXX  CO  XXXX   XXXX  {$620.00} Date Reported Status Lien Class State Comments
Product: Credit reporting, credit repair services, or other personal consumer reports

Jpmcb Card Dpt EdXXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit card or prepaid card

My car window was smashed at a local trailhead and my purse stolen from the floorboard of my car on XX/XX/XXXX. I immediately filed a police report with local authorities. XXXX County-XXXX  Georgia Police report # XXXX ( Officer XXXX ). Within an hour of the discovery, I also called my credit card companies including Chase to report the theft. Chase sent me an email that someone tried to use my credit card at XXXX - I used their online tool to indicate that the charge was not me. The charge was approved anyway. {$400.00} was charged to my card at XXXX and store surveillance footage shows the purchase was made by a XXXX male ( I am a XXXX  female ). Nevertheless, in spite of filing a police report and immediately reporting the fraud, Chase 's Fraud team 's internal investigation decided that I am responsible for the charge because it occurred at a store near ( 5 miles or so ) the site of the theft and my own address. Chase 's letter to me indicates that I " received benefit from the transaction. '' The fraud phone # directed me to an email and I called the main # and spoke to someone in disputes who said it was not a dispute but she read the internal notes where Chase thought that I made the story up. So apparently, the thought is that I smashed the window of a XXXX, wasted an afternoon filing a police report and contacting banks, wore a XXXX XXXX level disguise to XXXX, all to defraud Chase of roughly {$400.00}.
Product: Credit reporting or other personal consumer reports

so i had recently sent in all the necessary documents to XXXX and was able to get them to remove all my hard inquiries except for one from synchrony bank/paypal but for some reason my XXXX  credit report is still showing these hard inquiries so i call a XXXX representative on XX/XX/XXXX and was told that i needed to file a report with a list of the inquiries that need to be removed and attach it to my letter the inquiries that need to be removed are XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXX syncb/paypal dated XX/XX/XXXXXXXX XXXX XXXX XXXX bank dated XX/XX/XXXX these are hard inquiries that need to be removed from my credit score for the information was inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2018, I contacted Experian about report number XXXX. I spoked with a XXXX, who then transferred me to an account specialist named XXXX out of the XXXX, TX office, with team ID : XXXX. Not only was XXXX very rude, but she refused to delete incorrect information reporting to Experian. My last name has been legally changed and I asked XXXX to remove the incorrect versions of my name, XXXX and XXXX, as well as the other versions of my name that wasn't incomplete, since she couldn't add my new last name, XXXX, to my credit file. XXXX refused to delete the various variations of my former name. I then told XXXX that there should only be about ten addresses on my credit report, but for some reason, there are over 60. I told XXXX that most of the addresses belonged to family members, as I am an XXXX XXXX, as well as to my mother. 

The addresses that are not valid and should be REMOVED are : XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX T ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was just wanting the debt to disappear. I am in desperate times and I am not doing well in terms of being XXXX. I can no longer work and need this debt to be cleared off my credit report.
Product: Checking or savings account

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Credit Information Request for Investigation Dear XXXX, I am writing to dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX. The following item ( s ) on my report are incorrect and require immediate correction : Disputed Item : Creditor Name : Santander Bank Account Number : Error Description : charge off balance Requested Action : I request that XXXX investigate this error and either correct or remove the inaccurate information within the required 30-day period under the FCRA. Please send me a corrected copy of my credit report once the changes are made. 

If this information can not be verified, I request that it be removed from my report as required by law. Please respond in writing to confirm the results of your investigation. 

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

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by Nissan Motor Acceptance Corporation/Infiniti Financial Services ( NMAC/IFS ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had with NMAC/IFS. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that NMAC/IFS reported negatively against my credit report, which, given my payment history, I believe to be erroneous.

To further complicate matters, NMAC/IFS delayed in closing my lease account by a month, even after I had paid the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by NMAC/IFS has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial.

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history. 

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

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

Citibank was a fraud account when my identity was stolen and it was removed. Now the reporting agencies continue to report this unknown account to my credit report under different names and dropping my XXXX XXXX points each time! This is a fraud account, please make them stop! It is affecting my life! Now they call themselves XXXX XXXX.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRICIPLE IS NOTICE TO AGENT After reviewing my credit reports I noticed that your are alleging that the following accounts are negative without furnishing any proof of verification or accuracy of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX + XXXX, XXXX XXXX + XXXX FINANCIAL ASSITANCE + XXXX As you know it is against the law to report any information not proven accurate.I demand that you provide me with concrete evidence of my obligation to said accounts Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. If you accept my request, I will not escalate this matter to Federal Court. In the case you dont accept the above request, legal action shall be taken against your company for compensatory damages. Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX 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

The highlighted Account was disputed and removed and reinserted and originally this account is not mine
Product: Credit reporting or other personal consumer reports

Equifax failed to provide my credit score. This inaccurate reporting is concerning. I have maintained a credit score for years, yet they now show it as negative or non-existent. This misreporting not only violates my consumer rights but also has a detrimental effect on my life. I demand the immediate correction and reinstatement of my credit score
Product: Debt collection

Quality Asset Recovery is listed on my credit report and trying to collect an amount of {$2000.00}, I was not aware of this
Product: Debt collection

I am writing to formally dispute the recent credit report that contains inaccurate information regarding my account. The erroneous information is as follows : [ Specific inaccurate information, such as " charged off account '' and incorrect balance ] I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices. 
Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.