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

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XX/XX/XXXXXXXX Account # : XXXX Balance : {$440.00} XX/XX/XXXXXXXX Account # : XXXX Balance : {$340.00} XXXX XXXX XXXX Account # : XXXX Balance : {$680.00} XX/XX/XXXXAccount # : XXXX Balance : {$800.00} XXXX XXXX XXXX Account # : XXXX Balance : {$830.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Mortgage

I had set up a direct payment of monthly mortgage from my brokerage account. OCwen was pulling payment from the account. I moved the brokerage account and set up an auto payment EFT TO Ocwen. They did not stop trying to pull from the old account after being notified of the new account. The mortgage was being paid from the new account but now they have put a restriction on the mortgage and want payment by bank check or money order EVEN thought the mortgage has been paid each month on time from the new account. Ca n't get it resolved with there " customer service ''. Frustrating
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you guys around XX/XX/2018 regarding some things on my credit that is not mine. The accounts were removed except for XXXX XXXX XXXX and XXXX XXXX. As I went through my reports I also saw some inquiries that I dont know nothing about. XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Please have this false information removed from my credit report.
Product: Credit reporting

I have disputed several times that Equifax has business inquires listed on my personal credit file. I use my XXXX number for all business inquires why are they on my personal credit file. There is also XXXX small medical bills that should n't even be listed. I need help
Product: Checking or savings account

I am a Victim of fraud.Some how my Checking account and savings account was depleted with ill activities that has left me owing Chase Bank. I first noticed that my cell phone, was missing on XX/XX/XXXX. I thought i had left it in my car. Since i was not feeling well, i thought nothing of it, I have a land line. my friends and family can always reach me. When i left the house on the XX/XX/XXXX i couldn't find it in the car. next i went to the grocery store. When i went to pay for my groceries I then noticed my Bank debit card, driving licenses and social security card was missing. I immediately went directly to my bank. To my shock i was given a print out of all the fraudulent activity on my accounts.They gave me a new checking and saving acct #. The bank was closing so they gave me two numbers to call. The  fraudulent activities started on the XXXX and ended on the XXXX of XXXX. I submitted my claim three times and was denied three times. the reason the claims were declined, according to Chase was that whoever used it knew the pin number. i have never given my pin number to anyone nor have i written it down anywhere. This has been going on for over a month now. Finally after my disputing their results.  I was given a claim # and turned over to the corporate office on Ohio on XX/XX/XXXX. I also filed a Police report. I truly believe a young lady who was helping clean my house victimized me. She is the only person new in my life since COVID-19. I feel i am being victimized double. Once by the cleaning person and now by Chase. I'm going on  XXXX years old. I have several chronic illnesses that make me high risk for Covid. i have been Banking with Chase since XXXX with no problems and in good standing. I have an excellent credit score and on social security. I have trusted my check to go auto deposit since my retirement. I thought my money would always be safe and protected by FDIC. Now my savings accounts is missing my {$10000.00} and in the minus of {$8900.00} They claim I'm responsible for paying. Please help me I am a victim of elder abuse. When i first reported this to mybank branch, the banker told me i was lucky because a lot of withdrawals were made inside the bank and the camera 's should be able to show who it was. When i talked with one of the investigating clerk 's, i was informed that they didn't go that far. Once a week i go to church to pass out lunches. This is were i met XXXX the cleaning lady. who strangely I haven't seen since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$5800.00} ; US DEPT ED XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; US DEPT ED XXXX Balance : {$4100.00} ; US DEPT ED XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX*Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

From the looks of it they've gotten bad information that was just corrected on XXXX. Negative payments on account changed to not late & paid off. But with payoff date in XXXX, instead of XX/XX/XXXX. So there's still Negative marks & it remains on my credit profile. They say they verified, but I know for a fact they didn't. Ive confirmed with them. Plus i had to get paperwork from them to send in. So all these stalling investigation games their playing is ridiculous & has impacted my life severely over the past years. Plus names on my profile & Phone number have been requested to be removed.
Product: Debt collection

I have no idea what this is for. Debt has not been verified. no contract or signature provided.
Product: Credit reporting or other personal consumer reports

My account with FLAGSHIP CREDIT ACCEPT was never late! I have had exceptional payment history witH FLAGSHIP CRD and all payments were placed on Autopay. 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 in XXXX XXXX XXXX XXXX  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.

FLAGSHIP CREDIT ACCEPT 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 1002 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

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I don't owe anything to TRANSWORLD SYSTEM INC with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXXXXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block following items listed. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$7.00}, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been WELL over 30 days since my first attempt to get PROOF and MY SIGNATURE and or the ORGINAL application or contract that Okayed any of these companies to view my credit ON ANY DATE or a specific date due to a duplicate inquiry or no consent. 
Legally these inquiries have to be removed!! I have attached the list and all are INCORRECT/INACCURATE/DUPLICATE/NOT APPROVED by me. My last 3-6 request to get these removed shows the laws you let these companies and are now violating.. 

Show proof of an open account or the orginal DENIED application with my signiture PLUS proof I wasn't denied due to OTHER INQUIRIES that should had not appeared on my account.
Product: Credit card or prepaid card

I had an approximately {$1800.00} balance on my account in XX/XX/XXXX, which I paid off in full before the due date. I thought that took care of the credit card. I happened to check back online to make sure the balance was paid off, and found they had charged me an additional {$30.00} interest after I paid off the balance. When I called, they said because I didn't call and ask them the balance, that was normal to charge interest on the balance during the month of XX/XX/XXXX that hadn't been billed, yet. I have never had a credit card charge extra interest after a balance is paid. I told them that made no sense, and they said it is the way they do business. I feel that is the same as charging interest on top of interest and should not be legal. I want my {$30.00} returned. I canceled the card, telling them I did not wish to do business with a company like that.
Product: Mortgage

I have been dealing with this for about 4 months now. PHH mortage is prolonging my modification process. I have literally been sent over 6 packages, due to underwriting denying my application saying that my signature is incorrect. I have spent over {$300.00} getting all of these packages notarized. On the latest package sent I literally called the PHH representative who called her supervisor to make sure of how PHH wanted these documents signed. I signed then with the rep on the line and the notery there as well. I signed them verbatim per her the rep and her supervisor instructions. Still underwriting denied them stating that they are not signed correctly. They were due XX/XX/XXXX. Sent in well before that date. I am beyond frustrated.
Product: Credit reporting or other personal consumer reports

I am writing in desperation regarding an issue that has been dragging on for about four years now, and I am at a complete loss as to what to do. There are old accounts on my credit report that I know for a fact are not mine. I have tried to resolve this over and over, but it feels like no one is listening to me.

I originally disputed these accounts several years ago and requested a response in writingyet, I never received one. I even took the extra step of filing my appeal online, thinking that might help, but I still got no response. Each time I call, Im told a response is on the way. The last time I called was about seven months ago, and stillnothing. Ive spoken to multiple representatives, and they all say the same thing, but nothing ever happens. Its like Im caught in an endless loop of promises that lead nowhere. 

Im old, and I dont understand how this has gone on for so long without any resolution. Im confused, Im frustrated, and frankly, Im starting to feel desperate. How can a company responsible for ensuring the accuracy of reports allow such glaring mistakes to go unresolved for years? Ive done everything I can, and I just dont know what else to do at this point.

Please, I need this matter addressed. I am requesting a prompt and clear response in writing as soon as possible. I dont want to feel like Im shouting into the void anymore.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

XXXX XXXX XXXX XXXX XXXX XXXX -- {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan for a XXXX XXXX XXXX thru XXXX XXXX  located in XXXX mo in 2019. I had the jeep for a week and the front end would make a very loud pop coming from the suspension when braking. I brought it back to them which I got hassled about it but they told me to leave it there. I came back next day the manager said they checked it out and they found nothing wrong. I took the vehicle and on the way home it popped again and over the next weeks it got worse. I finally called them and told them I didn't want it if they didn't fix it which I missed a payment they repoed it but they said they looked at it again and they didn't find nothing so I made the payment and got car back. It got worse so I told them I did not want it. They said no problem .I made a XXXX down payment plus XXXX paymentswhicj my payments were {$450.00} a month They came got it they resold it and I was out {$1600.00} and got a report on my credit I'd like to have my money back and the repo taken off since they turned around and resold it and took my XXXX for a lemon
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a furniture from Conns Appliance INC on Credit worth nearly {$12000.00}, on XX/XX/XXXX, of which I have faithfully paid the amount due as agreed up to {$5200.00}. However, the product develop a significant defect, with the leather chairs peeling off in less than a year and half into the contract, and electronics gadget not working properly. I reported the issue to the company, and a repair guys was sent but their was nothing they could do. I stopped payment for this reason after several complaint and nothing was done to help resolve the issue. In XXXX, XXXX, after a prolong lawsuit by the same company, they decided to dismissed the case at the court after I hired a lawyer. Unfortunately, I just noticed they had it fraudulently reported on my credit report, when I started my mortgage application process. I have wrote them to correct this, but nothing has been done to it. This has hurt me in buying a house because they have continually maliciously and fraudulently reported this since XXXX, XXXX, till present. The company has two addresses : Conns Appliances IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Debt collection

XX/XX/year> Amount {$3500.00} NATIONAL CREDIT SYSTEM XXXX XXXX XXXX, XXXX GA XXXX Subject : Dispute of Unauthorized Information Furnishing / Inquiries To Whom It May Concern : I am writing to formally dispute the information being reported on my credit report from your agency.

Specifically, I believe that my information has been furnished or accessed without my prior written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, which requires explicit consent before the release or inquiry of credit information.

I did not provide written consent for the furnishing of my information or for any inquiries to be made. Therefore, I request an immediate investigation and removal of any unauthorized information from my credit report. 
Please provide written confirmation that this issue has been resolved, and any erroneous data has been removed from my file. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have made several attempts with Experian to obtain their method of verification to my original disputes of an inaccurate bankruptcy being report in my credit file that they maintain. And every time, they reply back with vague or dishonest responses and a failure to comply! 
I am including my latest dispute letter dated XX/XX/2021, along with their latest response, a copy of a letter from the United States Bankruptcy Court and a copy of a letter from XXXX. 
I am seeking assistance from the Consumer Financial protection Bureau to compel Experian to either produce the appropriate verification information or to permanently delete the bankruptcy from credit file! 
Thank you in advance! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these itesm based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit,. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.
Product: Student loan

My student loans were consolidated by XXXX. When Navient assumed the loan, the loan amount was changed w/o out my consent. I have never missed a payment. Unfortunately, I did not know until recently when I saw it in the fine print, for the XXXX time, that I was only making the minimum payment. Due to this, I have paid a lot more interest than if it had been calculated over the XXXX year period. I was never offered any other option and believe that I have paid substantially more interest than I should have. 
I took out this loan while attending the University of XXXX 

Is there any recourse for this issue?