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

KOHLS The payment history for XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> is inaccurate and reflects a charge-off payment history, which does not represent accurate or truthful information. I request that you update the payment history to reflect correct information or delete the account entirely from all consumer reporting agencies. In XXXX v. XXXX XXXX. XXXX XXXX XXXX, the court emphasized that repeated reporting of inaccurate charge-off information is misleading and distorts a consumers credit profile. Such practices harm consumers and undermine the integrity of credit reporting. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to ensure maximum accuracy of the information you report. I demand that this error be corrected immediately and that you provide a detailed explanation of how the information was verified.

Failure to address this matter promptly will leave me no choice but to escalate the issue through all available legal and administrative channels, including filing complaints with the CFPB, FTC, and state attorney general 's office.
Product: Debt collection

In XX/XX/year>, I received a letter from RGS Financial , LLC, a third-party debt collector agency, regarding an alleged credit card debt issued by XXXX XXXX XXXX XXXX the XXXX XXXXXXXX XXXX XXXX Upon their letter, I submitted a dispute of the debt through their website and stated that I did not recognize the debt. I then requested an actual letter of debt verification to be mailed to my correspondence address on file. To date, I have not received any requested documentation that substantiates this debt. Therefore, for their failure to verify this supposed debt, I request that RGS Financial , LLC hereby formally closes this matter and, further, ceases its reporting of this unverified obligation to the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX. Also, I would like to bring to your notice that my XXXX credit report shows the XXXX credit card account as paid off.
Product: Credit reporting or other personal consumer reports

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

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

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

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

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

Everytime I try to dispute online with equifax for anything incorrect, the online dispute through equifax says you cant dispute online, please call.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report last XXXX XXXX XXXX Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$720.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Mortgage

Freedom Mortgage double dipped my bank account and took two mortgage payments when only one was authorized. They are stating the burden of proof is on me even though they 've acknowledged the error on their part in multiple recorded conversations on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in accordance with the Fair Credit reporting act XXXX these accounts have violated my rights 15 u.S s.C. 1681 section 602 A states i have a right to privacy 15 u.s.c. 1681 Section 604 section 2 states a consumer reporting agency can not furnish a account with out my written consent/instructions On my Fico -and on my 3 credit bureaus XXXX, balance XXXX on # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete over XXXX XXXX XXXX!!?
Product: Vehicle loan or lease

I recently looked at my consumer report on XXXX, XXXX, and XXXX. I seen that a Mercedes-Benz financial has been reporting missing months of payments. These multiple missing months of payments almost look as if they were late payments or payments that were never there. I reached out to Mercedes-Benz financial and asked them to correct this information on my consumer reports they told me that it seems to be showing correctly on our end, and that you would have to reach out to experience XXXX and XXXX, but upon reaching out to experience, which did a dispute, they werent able to get the correct information. Theyre still reporting it incorrect as well as XXXX is reporting the incorrect as well as XXXX has been reporting it incorrect. They need to update the way that theyre reporting it via metro to compliance. They are violating metro compliance either they corrected or remove it from my consumer reports completely. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.

15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.

15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15USC 1681a ( d ) ( 2/A ) i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information... The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I asked XXXX Mercedes-Benz , correct the payments that are missing from my consumer reports. Which are XX/XX/2023 XX/XX/2023 XX/XX/2023
Product: Credit reporting or other personal consumer reports

I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue XXXX. Please rectify this error promptly by updating my account.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX, XXXX, MI, XXXX, Bankruptcy XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Identifier : XXXX Date Filed : XX/XX/year>, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX, XXXX XXXX  XXXX XXXX XXXX : {$30000.00},
Product: Mortgage

This is a complaint against Chase Mortgage, for both my primary home mortgage and my home equity that is still reporting on my credit report as negative. I held both a home equity and XXXX mortgage with Chase. I applied for a HAMP loan and my loan was soon put into foreclosure. I had sent in the large application packet probably about 10 or more times, with responses back from Chase that my documents were now " expired '', though they were valid upon submission. I even hand delivered my packet to a HAMP processing center in Colorado. 

There were many errors and false information about the HAMP process conveyed to me by Chase. The first of which I was advised by Chase representatives that the only way I would qualify for HAMP was to let my mortgages and equity line go into default. Another grievous error was that a phone representative marked my application as a " short sale '' though I never indicated I wanted to short sale my house. My whole point of applying for the HAMP loan was to make my payments more affordable. 

Due to the mishandling of my application, I later received a settlement of {$2000.00} from Chase as part of a class action lawsuit. They prolonged my HAMP application for nearly 2 years, whereby I incurred interest, stress, and the nearly two years of accrued unpaid mortgage payments, ( that I would not pay until I was assured I was indeed qualified and would not lose my home ). My modification was finally approved literally the week my house was to be put up for auction. 

Additionally, Chase turned over the servicing of my account to XXXX, who at first contested that I was HAMP approved. I had to fight and wait to know for certain my new loan payments under HAMP were being applied and I was truly no longer in foreclosure. I had been paying Chase, but when it was transferred to XXXX they did not have my Chase records for a long time, leaving me to believe I was never approved. XXXX kept telling me that had no records of my HAMP approval for CHASE, though I had already started paying on my trial period payments. 

As it stands I was able to remove the Chase Mortgage from most of my credit reports, but my Home Equity is still showing as derogatory on my credit reports and has the incorrect last date of payment, ( I did not make a payment in 2011 ), and other errors on the reported account. I would like all my past derogatory accounts with Chase Mortgage deleted from my accounts. Also, if there is any other compensation that I could receive for all the XXXX and time that Chase caused me over the years stalling the HAMP process, I would like to know. Thank you for looking into this matter.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do SW. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX XXXX 
XXXX : XXXX SECURITY FREEZE
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still 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 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.
Product: Credit card

I've recently discovered that when i pulled my credit report on my XXXX report had 2 accounts with kickoff and with 2 different account numbers XXXX and XXXX is the other account number both are showing up on my credit report I've contacted kickoff several times and there has been no resolution this situation this has been a totally hassle and a inconvenience of my time. Since the last time of contacting kickoff, they have they move the open kickoff account to closed statics along with the fraudulent kickoff account I verbally saying it and contacting y'all once again in writing to get some type of resolution this ridiculous BOTH ACCOUNTS ARE FRAUDULENT NOT 1 BUT BOTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the investigation i send you last week... you send me a letter saying that you closed the account because you feel i did not place the complaint..yesss it is me... XXXX XXXX ... .how do you just assume that it is not me? re open the investigation on these 3 complaint id 's... 

XXXX XXXX XXXX i have attached 2 documents for proof on the below i was divorced from XXXX XXXX since XXXX of XXXX  and the judge as part of the divorce agreements ordered me to be removed from her student loan debt to XXXX XXXX XXXX  account I contacted all 3 bureaus and send them the same copy of proof that i have attached here .... They've all send a letter back stating that the account will not not be removed..this is unlawful as this was ordered by a judge... .please help have the bureaus remove this account from my report
Product: Debt collection

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Capital One Bank, USA refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX, and I am a United States citizen. As a citizen here in United States, I am protected under 15 USC 1681.

Equifax has violated my rights numerous times under 15 USC 1681.

According to 15 USC 1681 : I have the right to privacy and I never gave Equifax my written consent to furnish these accounts.

I demand Equifax remove the accounts listed below because they simply do not belong to me. Also I demand that these accounts be removed AGAIN, since they were removed before, and they reappeared on the account for no apparent reason. 

I spoke to an Equifax supervisor today and he stated that he never got any original written consent proof to show that I agreed to have these account information furnished. I have a recorded conversation that has him stating that Equifax never received any info of any written consent form that was requested. 

We had filed an FTC complaint as well. 
Accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX previously removed and not on the report currently as of today - XX/XX/23 are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached , you will find the FTC complaint that we filed XXXX FTC Complaint number : XXXX XXXX 

Also attached, you will find proof of removal from the credit that was previously reported by Equifax.
Product: Debt collection

I have contacted American Adjustment Bureau on several occasions and told them I am disputing all charges from XXXX XXXX. I have asked for a statement of all dates and amounts owed which they have not provided me. I need originals from this company. They are trying to over collect money from me. Now I see it is on my credit reports. I want this removed off my credit reports. I told them I dispute the charges, and I am NOT paying.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

Around XX/XX/2017 my account was closed by BOA for suspicious activity on funds that were deposited by an authorize person I had given my card to due to my illness. My account was then closed by BOA. I called several times to follow up and even disputed the fact that I was not the person who deposited the funds so I was unaware of the situation that had occurred. When closing the account, a charge I dispute months early due to debit card fraud was placed back on to my account stating I owed them. I then asked to dispute it again and they said I could not due to the account being closed. Now I have negative reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in in XX/XX/. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

I had fraud on a XXXX XXXX credit card and i reported the fraud in the begging of the year, XXXX XXXX canceled my credit card accepted the fraud claim and i destroyed the new card that was sent to me in the mail. 

The account has had no new activity but somehow they ( XXXX XXXX ) decided to put back some of the fraudulent charges back on my credit card and so the automatic payment didnt go through because the account has been dormant for so long, i dont have access to the connected XXXX XXXX that was on the automatic payment so in short the payment was rejected and considered late as soon as i found out about this i corrected it and informed XXXX XXXX and they credited back the late fees but now i have a late reported payment on my credit reports with all three agencies please remove this late payment as it was never late it was fraudulent activity and still it was never late anyways.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

This is my XXXX complaint against US Bank. Every time I do, they send a letter stating I am not authorized, yet every time I call in, they acknowledge that my auth is in. This time I am attaching my conversation log notes so you can see that I spoke to them on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and today. Today was the worst, XXXX said that the negotiator had been leaving me messages. I told her I had received no calls or messages. When I attempted to see what number they were calling, she refused to help me and hung up. I am TIRED of their rudeness. I left yet another message for XXXX the negotiator, I have NEVER received a return call from him.