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

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX 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: Mortgage

Lender set an original closing date on my loan for XXXX XXXX, 2016 but had not collected enough information needed to close so we were not able to close. I am now going into the fourth month with no set closing date and lender is asking for a lot of same information already provided. Does not respond when ask what is needed to close. I feel that I am being put in line behind other buyers for whatever reason.
Product: Debt collection

On XX/XX/2023 I wrote ProCollect a no Parking, refusal to Pay & cease & desist letter. On XX/XX/XXXX I received a letter, which puts them in violation of 15 USC 1692k. Per the letter that I receive back from Procollect on XX/XX/XXXX, I am kindly asking for you all to cease and desist ONCE AGAIN. The correspondence received did not fulfill any of my prior requests. All that was received was a contract from another company. 
I have not received any goods or services from you all nor do I intend to. I have no intentions of any contractual obligations with you all in the further as well. Please consider this as " notice ''. Any reporting to my consumer report to any of the consumer reporting agencies will be direct violation of Section 623 ( A ) ( 1 ) ( A ) ( B ). I WILL BE SEEKING {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. ProCollect is not licensed to collect debt in Louisiana. This is my final attempt for resolution before I seek legal remedy.
Product: Mortgage

XXXX XXXX, 2016 Re : Property address XXXX XXXX XXXX XXXX NY. XXXX I would like to file a complaint against CHASE servicer. I have been trying to get help from CHASE SERVICER for my underwater loan. I have complied with all requested documents. Servicer CHASE has issued XXXX modifications ( see attachments ) where they have failed to honored the guidelines of the HAMP-PRA. According to the HAMP-PRA guidelines, SERVICERS MUST evaluate borrowers for mortgage reduction for any mortgage loan that is being considered for HAMP with a current mark-to market LTV ratio greater XXXX %. The property fair market value is {$540000.00} ( see attachment ) CHASE servicer did not act in good faith to reduce the principal amount {$840000.00} Also CHASE SERVICER failed to calculate mortgage payments into a 30 to 40 year period as per the HAMP guidelines. I would have a balloon payment in 20 years from now at the maturity date of my loan of {$530000.00}. I can not afford that payment.
Product: Debt collection

I am writing to formally dispute the inaccurate and incomplete credit information that you have included in my credit report. Frankly, I am extremely distressed by the presence of this information, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. Credit reporting laws mandate that bureaus report only 100 % accurate credit information, and every effort must be made to ensure the accuracy and correctness of the reported information. I am requesting that you thoroughly reinvestigate the following information that requires proof of the alleged items, specifically the contract, note, or other instruments bearing my signature. Failing to provide such evidence, the items must be promptly deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX It is concerning that the other credit bureaus have already removed these accounts from their records, and yet you have verified them as correct. Please delete these from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I was the victim, and I am not sure why the CRA is not complying with the law. The other bureaus have followed suit. I am very confused why this one seems to ignore my requests. Also, I caution you that should you persist in reporting this false information without a rigorous verification process, I will not hesitate to seek a legal remedy. I have already consulted with my attorney on this matter, and he is prepared to initiate a federal case within 30 days of the date of this letter should the inaccuracies persist. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This Contract is over 3 years old & was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.
Product: Student loan

My monthly plan is automatically debited from my bank account every month with an agreed upon payment of XXXX. This month they charged me XXXX with no prior notice, no explanation of why my monthly payment was raised and still claim I am past due. This over charge put me in the negative with my bank which activated an negative balance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit freeze of the credit Bureau SageStream for many years due to a previous XXXX  XXXX and restraint order I obtained against a prior boyfriend who was trying to obtain my information. This has been over 10 years. I was recently denied credit by XXXX XXXX  for a store credit card with XXXX XXXX XXXX XXXXXXXX. I contacted SageStream in order to remove the freeze from my account for 90 days. I was on line with representative XXXX # XXXX, whom was having a problem removing the freeze. XXXX advised " her system had an error '' and that I would need to send her a copy of my " Social Security Card ''. I asked her if I could provide my PIN number if that would help because I did not feel comfortable sending my Social Security Card by email as she requested. I didn't feel comfortable with the representative because I could hear chickens in the background and children. She apologized several times for the noise, verifying that my call was being taken at home. I requested a Supervisor and the representative refused to transfer my call. I also requested another in the office representative and she refused. I was placed on hold a number of times and was on the call over 45 minutes. XXXX provided the following email address XXXX XXXX XXXX. She advised this was a secure email. I don't fee comfortable with sending my SSN card and would like a formal complaint processed. I don't feel customers should have to provide their personal credit information to representatives working at home in unsecure environments.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX, 2022, I fell victim to two multi-layered scam operations run by XXXX and a company posing as XXXX  which involved me making deposits for a total amount of XXXX XXXX from my XXXX account to XXXX at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is scammer or is involved in potentially fraudulent activity. 
XXXX issued International Standards on Combating Money Laundering and the Financing of XXXX  and Proliferation ( the XXXX Recommendations ), aimed at setting minimum standards for action in different countries, to ensure that XXXX efforts are consistent internationally. 
There is a long-standing obligation upon financial institutions to have necessary procedures in place to ensure the detection and prevention of money-laundering, XXXX funding and other illegal activities. 
In this case, it is perfectly obvious that XXXX could have, and should have, utilised various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. 
Given that their client owner of the wallet bellow was an active participant in the movement of my money, which eventually ended up with the Company, XXXX have not exercised their duties to identify this suspicions scheme in a timely manner. 
XXXX
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of CAINE WEINER ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit card

To whom this may concern, Please be advised that this is my 3rd WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly.

Look, I reported to police, Identity.theft and XXXX XXXX they investigate already. That the best I can do on my end. That the bottom line now Experian have to do their job to corrected the issues.. I had enough wasting my time writing this letter and EXPERIAN ignore when I have evident to prove my cases. 
The XXXX XXXX Police give me this number XXXX for all the Credit bureaus companies to call in anytime to check the report. PLEASE CALL THE XXXX XXXX  Police they wont provide me with actual police report in PDF form is their own city policy. This is what Police is for and your job is to call them to verify to correct your in accurate issue on my credit report. I also, reported to identity theft.gov. For everyone sake Please do you job correctly. 
Federal case law states that, XXXX XXXX Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts 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 with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XX/XX/2022, and XX/XX/2022 I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. This account is inaccurate because under 15 usc1666 of the Fair Credit Billing Act a creditor can not restrict or close an account when the obligor has indicated that there is a billing error. I sent this company a notice of a billing error and they continued to close my account. They are not supposed close the account because of a failure to pay. Therefore, this account is inaccurate and needs to be deleted. 
XXXX XXXXXXXX Account Number : XXXX Remove this inaccurate account from my credit report They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Student loan

Discover student loans has failed to remove late charges on my account that were charged in error. These late charges accumulate to {$60.00} dollars which was reported to all credit agencies and negatively effected my  credit score. Discover has since removed the late fees that was reported to the credit bureaus ( only after multiple requests ), but has failed to remove the charges on my actual account. This has increased by first student loan payment by {$60.00}, which is a fraudulent charge. I called Discover  on  XXXX  and spoke with a representative who assured me that these charges were in error and that I would receive follow-up and guidance on how these charges would be removed and the expected date of resolution is  XXXX . I never received any follow-up from  Discover  and the charge of {$60.00} still appears on my account.     The kicker is that  Discover  does not even charge late payments anymore yet they failed to remove this late payment from my account ( which was erroneously added to my account in the first place ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to remove fraudulent accounts from my credit report since XXXX 2020. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX2020 per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, there was fraudulent activity on my JPM Chase Bank account through XXXX. Since XX/XX/XXXX was a Sunday, I had to call on Monday the XXXX. I reported the XXXX payments to XXXX for {$800.00}, XXXX for {$750.00}, and XXXX for {$450.00} totaling {$2000.00} dollars. On XX/XX/XXXX I was also experiencing suspicious activity through my other accounts ( emails and social media ) I was getting hacked and reported to Chase immediately. After reporting my case, Chase got back to me on XX/XX/XXXX and decided to not fund me back the money. The reason was because the fraudulent activity was happening through my IP address. I explained to Chase that these charges were not from me and that I have no idea who these people were. I also went on asking Chase to report these accounts since they're involved in criminal activity. Chase told me they are dismissing my case and there is not enough evidence to move forward with it. On XX/XX/XXXX I was receiving texts from Chase saying that my phone number on the account was changed and there was an unauthorized user on my account. This was still not enough evidence for Chase to move forward with my case.
Product: Debt collection

I have sent multiple dispute letters after receiving a bogus bill by this company in XX/XX/XXXX. I began sending dispute letters starting in XX/XX/XXXX, and continued in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I Explained to Diversified Consultants that I do not owe a debt to their company. I requested in each of my dispute letters to verify and validate this debt but sending copies of original contracts with my social security along with my signature confirming that I entered into a contract with their company. Diversified Consultants has never sent any documents with proof that I owe a debt to their company. The only information that I have received from Diversified Consultants is a bill with a name similar to mine and an amount due of XXXX. I am being harassed by this company, and have had my credit ruined with all 3 credit reporting agencies. I also requested in my dispute letters that all collection calls cease and to only notify me by mail concerning my dispute and their company has continued to contact me on my cell phone number numerous times a day. I want the harassment stopped and my credit report corrected immediately by this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Blocking Information Resulting from Identity Theft 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing as a follow up to my correspondence of XXXX in which I formally requested that certain information be blocked from my credit report pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). As required by the FCRA, I requested that you block any information that has resulted from identity theft.

The information that I disputed included, but is not limited to, the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested that you investigate this issue, and in accordance with the FCRA, block the fraudulent information from my credit report within the required timeframe. According to the law, you are obligated to complete this process within 4 business days of receiving my dispute. 
As of today, I have not received a response to my request and this information remains on my Equifax credit report. Again, I am formally requesting that you block this incorrect information from my file in compliance with the law.

Thank you for your cooperation. 

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

These accounts were XXXX opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these XXXX items off my credit report. Thank You! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$57.00} Acct Number -- - Date Opened XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I hired an attorney to represent me in breaking my lease Persuant to Nevada law for inhabitable conditions. I provided 30 day notice. I moved out XX/XX/XXXX. On XX/XX/XXXX not even 30 days after moving out XXXX XXXX XXXX  sent a wrongful excessive bill immediately to collections without any attempt to settle or put me on notice of this debt before sending it to IQ data international, Inc. immediately upon receiving notice of this debt from IQ data international in XX/XX/XXXX, I made them aware both verbally and in writing that I was disputing this debt. I also verbally and in writing requested debt validation with no response. IQ data international Harrassed both me and my partner calling us several times a day, even after we sent them a cease and desist letter. IQ international data then began contacting our employers to get ahold of us. It has not been 30 days since we sent out written correspondence with no response from IQ international inc & they have now put this collection onto our credit, without ever acknowledging our dispute of this debt.
Product: Credit reporting or other personal consumer reports

I am writing this letter with an overwhelming sense of fury, disbelief, and frustration regarding the ongoing presence of fraudulent accounts on my credit report, which have been a constant source of distress and injustice. It has come to my attention that despite my repeated efforts to rectify this grave error, these accounts persist on my credit report, tarnishing my financial reputation and causing severe damage to my financial well-being. 
Account Details : XXXX XXXX XXXX XXXX XXXX However, despite my diligent efforts and the clear evidence I have provided, your bureau has failed to investigate and rectify this matter appropriately. This flagrant disregard for my rights as a consumer and the damage caused to my financial standing is utterly unacceptable. I demand immediate action to correct this egregious error. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. It is your duty, as a credit reporting agency, to ensure the information you provide is both accurate and up-to-date. The presence of fraudulent accounts on my credit report constitutes a severe violation of my rights as a consumer.