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

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I recently obtained a copy of my credit report and noticed that my address and phone number are incorrect, in violation of the FCRA. 

My correct address is XXXX XXXX XXXX XXXX XXXX and I have attached a copy of my recent utility bill as proof of my correct address. 

I request that you remove the incorrect address and phone number from my credit report as soon as possible, in compliance with the FCRA. I understand that the FCRA requires you to investigate my dispute within 30 days and notify me of the results. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My credit bureau reports from XXXX, XXXX and XXXX are reporting an account opened XXXX with Citibank and was assigned to XXXX XXXX XXXX XXXX XXXX with date of 1st delinquency XXXX. 
I sent a letter to XXXX on XXXX requesting I be provided proof of this agreement with my signature. Also I questioned why it was still being reported when the indicated date is beyond the 5 year time limit. 
The statute of limitations for credit card accounts under Missouri law, RSMo 516.120, is five years. 
The response letter I received from XXXX verified receipt of my letter requesting proof of my signature on a contract and rather than providing that proof to me simply responded that this account has been reported to the Credit Bureaus as " disputed ''. 
In the time it took to receive a response ( I mailed a certified letter on XX/XX/XXXX ) and received a letter dated XX/XX/XXXX advising me they had conducted an " investigation '' and that the information being provided to the Credit Bureaus is " accurate '' Because of the account being reported as 1st Delinquency of XXXX, that is considered a time barred account. I have also had numerous lawsuits filed through court after XXXX in which my bank account receiving Social Security be seized. 
I also have never received a 1099 C from Citibank N.A.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a letter outlining what Ford and I agreed to. I as they advised contacted XXXX XXXX  XXXX talked to XXXX on the phone today and they stated we have a file but the information hasnt transitioned yet. My credit score has not be adjusted within the time Frame they gave in writing and again violates my rights as a consumer. They continue doing this. I need my credit report fixed. I want it off my credit but they should at the very least report it correctly
Product: Credit card or prepaid card

A couple years ago I used Sears ' financing to purchase a couple items at the store. I paid off the final amount in XXXX. 

Since then I have twice received notifications that my Sears card is being upgraded to a Mastercard credit card. The notification says this will happen automatically unless you go online or call to reject it. I have not been able to complete the process online and I had to wait on hold for 10 minutes to complete the process by phone. 

I expect they will keep sending these periodically. Are they allowed to do that? I think they should be told to desist from trying to push people who did store financing into having a credit card that they never requested.
Product: Debt collection

I have an open account in collections with LVNV funding ( original creditor is XXXX XXXX XXXX ) I have not opened an account with them and do not know where this has came from.
Product: Credit card

On XXXX/XXXX/2015 I notice XXXX separate charges of {$300.00} from XXXX XXXX assessed to my Bank of America credit card. The next day I called XXXX in XXXX FL. to ask why these charges appeared on my statement, according to the representive these charges were an assessment for not attending a seminar regarding a time share during my stay at the resort. I followed up the conversation with telling the rep. at no time was I ever notified about a seminar and I do not have a contract with the resort. Per my request, I ask to see something in writing or verbally were I was made aware. According to the rep. they have a coversation on tape proving my knowledge of a seminar, when the tape was played at no time was there a mention of a seminar. XXXX has yet to provide any more information justifing the charges. I then proceed to contact Bank of America on XXXX/XXXX/2015 to dipute these charges. On XXXX/XXXX/2015 I recevied a letter from Bank of America notifing me that they would begin researching the dispute and would have a respond in 30 days.On XXXX/XXXX/2015 I receive a letter from Bank of America stating " they have completed the investigation and were unable to determine that a billing error occured. Since then I have made numerous calls to BOA questioning how could these charges be made to my credit card, and their reply was they can not intervene in situations involving a merchant 's contact. I futher escalated my complaint and on XXXX/XXXX/2015 sent a letter to the XXXX, their respond seem to coincide with BOA and suggest I contact CFPB for further assistance if I am not satisfied with the resolution.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXXXXXX XXXX XXXX XXXX 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, 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

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$63.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$50.00} 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: Credit card or prepaid card

I purchased a prepaid hotel voucher from a merchant named XXXX on XX/XX/XXXX. I redeemed the voucher for a hotel reservation scheduled for a trip occurring in XX/XX/XXXX. The hotel called me to tell me the travel supplier has gone bankrupt and the reservation has been canceled and will not be honored. I tried to dispute the charge for the voucher, since services I paid for are not being delivered, and the card issuer is refusing to accept a dispute claim because they say the original charge is too old. 

The merchant 's bank took the credit risk on this merchant and they are the ones who should be eating the risk of a merchant receiving advance payment for services not delivered by its merchant client
Product: Mortgage

My FHA mortgage loan is currently serviced by Chase Bank. They have set a foreclosure sale date of XX/XX/XXXX on my property. Chase Bank claims that the total amount past due is {$37000.00}. The alleged claim is for 36 payments. Chase Bank issued a trial loan modification offer in XX/XX/XXXX, setting then monthly payments at {$1200.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( exhibit A ). Chase Bank has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Chase Bank refused to the process the initial {$1200.00} payment as well without explanation. Chase Bank is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the XXXX XXXXXX/XX/XXXX of XX/XX/XXXX. 

Chase Bank has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
Product: Debt collection

Complaint Details : I am filing a complaint regarding a debt collection notice I received from Aldous & Associates, P.L.L.C. related to an alleged debt on my Destiny Fitness account ( Account XXXX : XXXX ). The notice states that I owe {$120.00} and threatens potential credit reporting actions. 

I dispute the validity of this debt and request verification as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request : 1. Written verification of the debt.

2. A detailed accounting showing how the debt was calculated.

3. Copies of any agreements or documents indicating that I am responsible for this debt.

I am also concerned about the tone of the notice, which I feel is overly aggressive and may violate consumer protection laws.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature of it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below.

i demand that the following accounts be validated or DELETED from my Experian Credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and NumbeXXXX : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to section XXXX XXXX XXXX XXXX ( Validation of debts ). 

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose.

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have discovered several fraudulent accounts and unauthorized inquiries on my credit report that are the result of identity theft. The accounts in question, including those from XXXX XXXX XXXX, XXXX XXXX XXXX, and others, do not belong to me and were opened without my authorization. Similarly, inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX are unauthorized and are also the result of identity theft. 

These inaccuracies have caused significant harm to my credit profile, including a lower credit score, and have impeded my ability to access financial services. 

I have invoked my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) to have these fraudulent accounts and inquiries permanently blocked and removed from my credit file. Despite my formal request to the credit reporting agencies, they have failed to take the appropriate corrective actions. 

I have included documentation to support my claims, including proof of identity theft. I expect immediate action to remove these fraudulent accounts and inquiries from my credit report.
Product: Payday loan, title loan, or personal loan

Credit builder account through app Brigit is not as represented on my credit bureaus reports. They do not lend money. They collect your money and set it up as if they loaned you money. ITS NOT AN INSTALLMENT LOAN! 

I repeatedly told them to close the account since I was scammed by XXXX XXXX XXXX XXXX for {$450.00} at XXXX. They obviously don't know how to promptly close accounts and return your money but I instead report you as 30 days delinquent when you don't send them {$25.00}. 

It's my money..understand they are using my money. They lent me zip. Not $ XXXX.Follow? 

This is fraud and must be stopped.
Product: Mortgage

I am very devastated of the way Wells Fargo keeps prolonging my case so my sale date for XX/XX/2017 will not get cancel on time, I have provided all the required documents and Wells Fargo agent just keeps telling me that my packet is with the re-entry team and they are going to finish the review soon. However I have done this process for almost XXXX years and I know it does not take long to have an agent assign to my case, my file has been under review by the re-entry team for over XXXX weeks basically almost a month. I am sure that Wells Fargo intentions are to foreclose my home. I have explain to them my source of income and have provided enough proof. Please question Wells Fargo intentions I do not want to end up homeless. It has being a very stressful year due to my divorce and losing my job shortly after. My intentions are to keep my house and become current once again.
Product: Mortgage

XXXX XXXX XXXX SWBC Mortgage Corporation Sr. Loan Officer | NMLS # XXXX | GA # XXXX | XXXX # XXXX Shared my personal and confidential Financial information without my consent on XXXX and caused my family extreme stress due to her unethical actions.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report from Experian, XXXX and XXXX and noticed some fraudulent inquiries that I DID NOT originate and have no idea where they came from. Pursuant to 15 USC 1681c-2 please DELETE these fraudulent inquiries within four business days of your receipt of this identity theft report on grounds of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please see other page for other ( 3 ) inquiries. SEE ATTACHED IDENTITY THEFT REPORT.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have placed an initial fraud alert and explained to numerous XXXX employees I have received so many confirmations and have XXXX total disputes currently and XXXX active to then say they removed or deleted personal information but it still post on XXXX or back into my credit report mailed to me. I have a child support paid off from California that should be deleted and not on my credit file. I have repeatedly asked for thorough investigations and to correct the reporting of payments not being reported or accounts that must be deleted off my account due to fraud, write offs, charge offs or closed accounts not on bad standing and paid off. Their is also a XXXX loan that needs to be looked at on my report that I have not made one payment because of deferment and XXXX pushing deferment but it states {$1000.00} has been paid towards it on XXXX account. XXXX has yet to delete several accounts that must be deleted. I have submitted CFPB complaint in XX/XX/XXXX and mailed dispute letters to all three major credit reporting agencies and soon thereafter Experian was informed by XXXX of two particular accounts that should be deleted and they deleted but are still at stake the most for the breach of account in my name. Experian deleted those off of their report but XXXX nor XXXX has done the same following the complaint number XXXX in XX/XX/XXXX. This complaint goes for all three credit agencies because the same errors and violations of credit reporting go along with XXXX and Experian who have also willfully continue to violate and administer bogus investigations with deliberate disregard and noncompliance of FCRA and CCRA, Acts in place, Federal codes, Bus. Prof codes, Civil codes and regulations that are designed to protect consumers. I will pursue the restoring of my personal FICO credit score back to over XXXX by submitting evidentiary documents on the contrary to prove its not of my benefit nor a frivolous consumer law civil matter regarding these current issues with XXXX, Experian and XXXX at this present time in XX/XX/XXXX.