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

Dear Sir/Madam, I am writing to formally dispute the reporting of an account by XXXX with account XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Account Details : Creditor Name : XXXX Account Number : XXXX This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards. 2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports. Specific Requests : 1. Conduct a thorough investigation into this account. 2. Request CB/VICSCRT to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. XXXX. Provide me with a written response detailing the results of the investigation and actions taken. I expect this matter to be resolved promptly within the timeframes established by law. Should I not receive an adequate resolution, I reserve the right to take additional action, including legal measures, to protect my rights as a consumer.
Product: Credit card

I went through a company called XXXX to plan a pool event on XX/XX/XXXX, I cancelled the request the next day XX/XX/XXXX in the amount of XXXX. I made the purchase on my XXXX XXXX Master card for the amount mentioned. XXXX XXXX is refusing to refund my money, XXXX cancelled the request, but they are giving me a credit. My reason for cancelling was due to the company adding other fees after me making my request. I have filed XXXX disputes with XXXX XXXX. I feel that I am being forced to do business with XXXX. XXXX has not rendered me any service, nor did this cost them to lose out on any money. I place the order XXXX months in advanced. Which was no cost to swimply. I do not want a credit. I would like for my money to be refunded. 

If you should need any other information, please feel to reach out to me. 

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

I do not consent to authorize nor benefit tge inquiries
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent out a letter to Experian, XXXX and XXXX in regard to XXXX ( XXXX ) incorect creditors on my credit file ( XXXX ). 

this was my XXXX time requesting the information from the credit bureaus with no real/legit investigation given from the credit bureau ( s ). My third and final letters before escalation was sent out USPS Certified mail, The following are receipt numbers for the certiied letters sent out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each certiied letter contained the incorect creditor/file that needs to b removed from my credit file due to the items being incorrect and not belonging to me. As a consumer and by law uner FCRA the furnishing companies ( Experian, XXXX, XXXX ) has a legal obligation to furnish information that is 100 % accurate annd true, in which they are not and have not an being that this is my XXXX attemot to get these items remove I know that they only have 15 days to do so. The allocatd time has passed and they have not uphl their duties resulting in " Unfair business Practice '' also " unethical Business '' Under FCRA 15 U.S. Coe 1681 ( b ) ( 2 ) Consumer Address must be updated and reported correctly. The only and correct address that should be reporting on all of my credit files should be as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have sent in proof ( utility and ID with correct address and requested the removal of incorrect addresses, My creit file as of today still has NOT been corrected. 

XXXX, Experian and XXXX have all violated my consumer rights under Codes : 15 U.S. Code 1692 15 U.S. Code 1666 ( b ) 15 U.S. Code 1601 these issues are damaging my livelihood and my ability to obtain credit tremendously!
Product: Debt collection

ERC has reopened a {$75.00} debt collection for XXXX XXXX in XX/XX/XXXX that was previously paid/closed in XX/XX/XXXX. ERC never provided a notification of any ( no correspondence via, email, or phone ). 
Furthermore, the records show this was also closed in XXXX. My credit score has been negatively effected.
Product: Debt collection

An inaccurate collection report popped up on my credit file, I researched the debt- which is not mine. Could not reach the original creditor for validation. Have filed an FTC report for Identity Theft, and have informed each credit report agency of the discrepancy. This company is refusing to remove the inaccurate account the continues to state over and over that they can not remove or provide me with any requested information such as proof that the account is mine. 

This creditor is bouncing this unverifiable account around to various third-party collection agencies. This is the second company that has placed collections on my account for this place. Remove immediately, or I will seek legal counsel. Below is the last company, not even a month ago, that found that this was NOT MY ACCOUNT! 


RE CFPB COMPLAINT ID XXXX XXXX, XXXX Thank you for your inquiry and the opportunity to respond to any issue a consumer may have with XXXX XXXX XXXX. From our investigation on the CFPB complaint logged, the facts we currently understand are : We identified an account was assigned to our office by our client on XX/XX/year>, under the name of XXXX, XXXX. On XX/XX/year>, we received dispute through our credit reporting system following which the account was removed from consumers credit and Itemized statement has been mailed at consumers postal address. Following the CFPB complaint, we have re-submitted the account for credit deletion and modification will reflect in the subsequent reporting cycle. If you require any further assistance or have additional questions, please do not hesitate to contact us directly at XXXX. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is under the mistaken impression that they can investigate now or that their investigation can take another 30 days. WRONG. You were notified via certified mail in XXXX. Your 30 days to investigate ran out in XXXX. YOUR TIME TO INVESTIGATE PER THE FAIR TRADE CREDIT REPORTING ACT IS OVER! 

IF YOU PERSIST I WILL SUE YOU IN SMALL CLAIMS COURT FOR {$10000.00}. 

XXXX, based on the same information, has deleted these accounts. That sets precedent in a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and information was used fraudulently with JPMCB, the account was opened XX/XX/2020.
Product: Debt collection

Portfolio RC reported against my credit, an amount to which I requested an original proof of debt. They were unable to provide anything other than a statement that they purchased said debt. This is not sufficient under the guidelines of the FTC and needs to be removed. If removal has not occurred within 30 days, legal action will be taken.
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 : US DEPT ED Account Number:XXXX Account name : U S DEPT OF EDXXXX Account Number:XXXX Account name : XXXX Account NumberXXXX  Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of Citibank N.A. services.
There is NOTHING on my XXXX consumer credit report to dispute ... 

This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of Citibank N.A. 

What XXXX information was used to reduce my credit line??? 

My XXXXX consumer credit score ( over 700 ) during the time this incident happened is attached to this complaint. 

After paying down debt to reduce my debt to credit ratio, Citibank N.A. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up to XXXX XXXX XXXX, my Citibank N.A. line of credit for my Home Depot credit card was {$4000.00}. On XXXX XXXX, XXXX, 4 days AFTER Citibank N.A. received my {$2500.00} payment, Citibank N.A. reduced my Home Depot Consumer Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My Citibank N.A./Home Depot consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, at approximately XXXX CST, I was told by a Citibank N.A./Home Depot Credit Card Services representative ( XXXX ) that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my XXXX, XXXX  and XXXX XXXX XXXX XXXX scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED XXXX CREDIT REPORT FROM XXXX XXXX. I received letters from Citibank N.A. stating their decision was based on information from XXXX ... In addition to consumer concerns with using XXXX given what was transpiring with XXXX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of Citibank N.A. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED XXXX CREDIT REPORT FROM XXXX XXXX XXXX and there is NOTHING on my XXXX XXXXredit report that substantiates the claim from Citibank N.A.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 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 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 XXXX 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to p Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX, has violated my rights under 15 USC 1681 Section 602 A, which states, I have the Right to Privacy 15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681 c ( a ) ( 5 ) 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 antedate the report by more than seven years 15 USC 1681 s-2 ( A ) ( 1 ) states that 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

I've been dealing with this issue from my identity case for several months now and i'm not getting any help from the credit bureaus. I'm trying to help support my family but these accounts are stopping me from buying my family a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my Transunion Credit Report with the information from the XXXX XXXX XXXX XXXX being reported inaccurately. I contacted Transunion asking for the information to verified after I had received letters from XXXX XXXX XXXX on XXXX XXXX XXXX and a letter from XXXX XXXX XX/XX/XXXX. The first letter indicated the information of the account stating the account was discharged in a XXXX XXXX  bankruptcy. They also stated that the account was charged off XX/XX/XXXX. 
The letter was XXXX XXXX indicated the account was settled with a XX/XX/XXXXXXXX filing XX/XX/XXXX. They also state this was closed XX/XX/XXXX not charged off as stated by XXXX Services. XXXX XXXX states the account was sold to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXXstates they acquired the account XX/XX/XXXX. Which is a week before XXXX sold the account to XXXX XXXX XXXX! 

Also the included document was received with language crossed out.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft or fraudulent activities. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Given the circumstances, I believe that the following hard inquiries should be removed, blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXXXX/XX/XXXX * JPMCB/Card Services ( bank ) XX/XX/XXXX * A copy of section 605B of the Fair Credit Reporting Act, which requires the blocking of the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Mortgage

On XX/XX/2018, I made a {$2300.00} payment on this HELOC account at the local branch, but Wells Fargo Mortgage did not credit the HELOC account for the payment made. And Wells Fargo continued to tell me the account is in default and reported me to the credit reporting agencies.
Product: Mortgage

On XX/XX/XXXX I file a complaint against HSBC and its front organization XXXX. In it, I stated the following : I have had an ACH Direct Transfer agreement with HSBC for the past 14 years during which HSBC has been withdrawing its monthly mortgage on time, uninterrupted. In or about XX/XX/XXXX without my knowledge, permission, or consent, HSBC stopped the transfers for reasons it refuses to provide. The attached HSBC Direct Transfer Policy, Section III ( ACH Revoke Authorization ), states that only the consumer can revoke this authorization. I have not done so. It remains valid. HSBC has refused to transfer the fund and has initiated foreclosure. If this all sounds absurd, it is. I am filing this compliant to find out from HSBC ( 1 ) why it stopped the Direct Transfer, ( 2 ) why it has damaged my credit, and ( 3 ) why it has initiated foreclosure. Simple questions. I hope HSBC responds. 

In its XX/XX/XXXX response letter, XXXX states : research confirmed automatic drafts ceased on your account when the trial modification was offered to you on or about XX/XX/XXXX. Since payments differ during trial modification periods, automatic drafts can not be completed. 

My response : I never accepted HSBCs modification offer. If HSBC has me signed off on any modification offer, it should produce it. If it does not have it, it has to remedy. 

In its XX/XX/XXXX response letter, XXXX further states : Additionally, because the trial modification payments were not made and your account fell into default, the automatic drafts could not be reinstated. As reflected on the initial automatic debit enrollment form, we may reject any request for Electronic Funds Transfer Payment if the account is delinquent. 
My response : I never accepted HSBCs modification offer so there were no trial payments to be made in the first place. 

In its XX/XX/XXXXresponse letter, XXXX further states : As of the date of this correspondence, foreclosure has been initiated, however, a foreclosure sale has not been set. The last payment we received was applied to your account on XX/XX/XXXX. 

My response : I never accepted HSBCs modification nor cancelled the automatic payment ; it was HSBC that on its own, without my consent or permission stopped it. The money has been in the account for HSBC and I urge HSBC to transfer it whenever it wishes. 

In its XX/XX/XXXX response letter, XXXX further states : If you have any questions, please feel free to call XXXX XXXX, Liaison XXXX Office of the President at XXXX extension XXXX. 

My response : I have left at least 5 messages for XXXX XXXX XXXX and more for XXXX XXXX but one has returned my call. The case manager, XXXX XXXX, refers me also to them.
Product: Money transfer, virtual currency, or money service

Ive used XXXX to take money bank and forth between friends and family believing it to be a safe and secure, encrypted form of transferring money. Then would get text message asking to verify information of purchases being made on line. Causing me to cancel my cards, order a new one and go to the trouble of having of having another type of payment ready. All in all it was very annoying. Now Im wondering- do we just un install XXXX from our phones?
Product: Mortgage

PROPERTY MORTGAGE WAS PROVIDED BY BANKING INSTITUTION XXXX XXXX, XXXX. 
WASHINGTON MUTUAL / JP MORGAN CHASE Offered INTEREST ONLY Modification Loan late Afternoon XXXX XXXX. XXXX ~ Letter of Rescission Hand-Delivered To Branch Manager XXXX XXXX XXXX, XXXX - Due To Analysis that MONTHLY Savings Were Insignificant ~ AND MORTGAGE Balance Would Not Diminish. 

XXXXKEY ISSUE : MODIFICATION Document Did Not Contain ANY Reference ContainingTO Rescission!!! XXXXXXXX DAYS AFTER RESCISSION LETTER : BANK FORWARDED MONTHLY STATEMENTS - FOR XXXX MONTHS - TITLED " PRINCIPAL & INTEREST, WHICH WAS PAID TIMELY! 
IN XXXX XXXX : CONSUMERS REQUESTED COMPLETED XXXX MONTH FILE WHICH UNCOVERED THE INSTITUTION 'S " FRAUD " OF COLLECTING CONSUMERS P & I BUT CREDITED " INTEREST ONLY "! 
XXXX XXXX ~ IMMEDIATELY NOTIFIED SUPERVISOR OF ESCALATION DEPARTMENT THAT MORTGAGE CORRECTION OF {$48000.00} MUST BE ISSUED IMMEDIATELY & WAS ADVISED THAT SAID MORTGAGE CORRECTION WOULD BE ISSUED - WITHIN 3-4 WEEKS. 

XXXX YR LATER - XXXX XXXX / XXXX YRS LATER - XXXX XXXX ; MANY DOZENS OF FAXES / FEDERAL EXPRESSES / CEO OFFICE / TELEPHONE / LABOR : XXXX WEEKS [ XXXX HRS PER WK @ {$200.00} = {$2000.00} X XXXX WEEKS = {$190000.00} ] XXXX INSTITUTIONS ADVISED MONTHLY! 

NOTIFICATION BY CONSUMER : IF NOT RESOLVED BY XXXX XXXX, XXXX - ALL MONTHLY PAYMENTS WOULD BE PLACED IN E S C R O W. 
XXXX XXXX : INSTITUTION & STATE-UNLICENSED LAW FIRM FILED FORECLOSURE - DELIVERING M A S S I V E DAMAGES VIA NOTIFICATIONS TO ALL PRIVATE / PUBLIC RESOURCES. 

USING $ $ $ PLACED IN ESCROW : CONSUMER PAID & PROCEEDED TO DEMAND MORTGAGE CORRECTION OF ORIGINAL {$48000.00} PLUS {$190000.00} IN COSTS - PLUS {$1000.00} IN DAMAGES. 
ON XXXX XXXX, XXXX : PROMISED BY EXECUTIVE OFFICE " A FINAL RESOLUTION CALL " ; THAT CALL - AND OTHERS INITIATED BY CONSUMER- HAVE NOT BEEN RETURNED. 

ADDITIONALLY : CONSUMER HAS REQUESTED INSTITUTION PRODUCE O R I G I N A L OF XX/XX/XXXX MORTGAGE - WHICH HAS YET TO BE PRODUCED. 

U.S. CONSUMERS MUST BE PROTECTED FROM THIS KIND OF DEVASTATING ABUSE BY THE XXXX DOLLAR FINANCIAL INSTITUTIONS...
Product: Mortgage

when i first open my mortgage account with XXXX XXXX mortgage who sold to amerihome mortgage. i was informed that i had to sign up for automatic withdraw. i did that and somehow between the time that i filled the paperwork out and faxed it back to amerihome and they incorrectly set up the account. i called several times as i then received pre-foreclosure and found out that my account was not paid as i requested. I spoke to a supervisor, XXXX, to catch up with the payments. the supervisor informed me that i have received incorrect form in the mail for the auto withdraw. at that point i was able to get the correct form and it is completed. She also informed me that my credit would not be affected, yet it is. Attached are the two forms that i completed,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.