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

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). Equifax is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt. 

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the company is verifying erroneous information to the CRA through an XXXX, and hasn't provided you with proper validation of the debt? 

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. 

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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. 

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau XXXX 
While this account XXXX have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but they have failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 
This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a XXXX and XXXX XXXX discharge. Accounts are reflecting information that is negative.
Product: Credit reporting or other personal consumer reports

BECAUSE OF THE CLASS ACTION LAWSUIT AGAINST [ XXXX XXXX XXXX ]. 
2. DEFICIENCY WAIVERS : XXXX IS REQUIRED TO FORGIVE THE REMAINING BALANCE ON CERTAIN CAR LOANS FROM XXXX TO XXXX. ALSO XXXX WERE TO REQUEST THAT THE LOANS BE REMOVED FROM CONSUMER ' CREDIT REPORTS. XXXX VIOLATED CONSUMER PROTECTION LAWS BY EXPOSING SUBPRIME CONSUMERS TO UNNECESSARILY HIGH LEVELS OF RISK. ( PREDATORY LENDING PRACTICES ). THIS REPO SHOULD NOT BE REPORTING TO MY CONSUMER REPORT ACCORDING TO THE UCC.
Product: Student loan

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
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. XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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: Money transfer, virtual currency, or money service

XX/XX/2023. Two invoices were submitted to a customer with a link to pay through Chase QuickAccept. My customer immediately paid but after a few days, I checked the account again and discovered my account has been closed and funds were placed on 120 day hold. Was told by customer service that their merchant service was a email only customer service department. I would need to submit invoices for the amounts billed. Never heard a response after emailing so I called customer service again. They finally transferred me to a merchant service representative ( apparently they did have a customer service number ) who told me that they never received a complaint so I was given a different email. I submitted the dispute once again, the response was bland and stated that the account was closed and that I may receive the funds after 120 days. I responded to the message, demanding for an explanation and have not received a single response. Now its XX/XX/XXXX, I called the quickaccept customer number again and they confirmed the account was closed. The money was on hold, and my funds would still not be available for another month when it would be placed in their consideration to be released. How is it possible that a bank is required to give you a reason to be denied on a loan, but will not disclose why they have your money on hold and have closed your account without ever giving you the account number.
Product: Credit card

Received notice of account closure - no reason provided until I contacted them. Account was closed due to " non-use ''. I had not used the account in 24 months so they closed the account ; which would have been OK had they given me notice. Citi has now done this to XXXX of my cards in two weeks for non use resulting a {$22000.00} decrease in my credit. This will have a negative impact on my score.
Product: Student loan

I started paying on my loans XXXX I had some Forbearance. It is going on 24 years that I have been paying. I called 4 years ago and asked how many more years I had to pay and was told 3 years. After 3 years I called because I was still paying and was told my loan would be paid by that XXXX, I'm still paying. I was looking at my statement and it show I have a consolidated loan XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX the original principal amount was {$10.00}, XXXX, my principal paid through XX/XX/XXXX is {$9700.00}, interest paid through XXXX {$14000.00}. Total amount paid through XX/XX/XXXX {$24000.00}. XXXX XXXX the original principal amount {$7200.00}, principal paid through XX/XX/XXXX {$8400.00}, interest paid through XX/XX/XXXX {$12000.00}. Total amount paid through XX/XX/XXXX {$20000.00}. I called Nelnet and asked how long my loan was for, I spoke to a XXXX and she told me XXXX. I asked why I have paid almost {$45000.00} on a {$17000.00} loan and was told because of the Forbearance. I said according to this statement my loans are paid and now I'm just paying interest. I was told to consolidate my loans and I have 13 months more to pay as of XX/XX/XXXX. I feel these loans are paid for and it's taking advantage of people. Nobody should have to pay {$45000.00} on a {$17000.00} loan. There is nothing on my statement showing my loan term or payments remaining
Product: Vehicle loan or lease

My loan was paid in full in XX/XX/2023. It is now mid-XXXXXXXX & I have not yet received title and/or other documentation confirming that the lien is satisfied and that the vehicle is no longer encumbered.
Product: Credit reporting or other personal consumer reports

EXPERIAN has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

As I explained during my phone calls to Capital One on XX/XX/XXXX, XXXX and XXXX, I provided my credit card to a taxi driver and he told me that the payment was not processed. I was not shown a terminal or asked to sign any kind of receipt, nor offered a receipt, but the merchant said that there are often problems with credit cards in XXXX, which is true, and most vendors accept only debit cards for this reason. The driver then asked for my debit card, which I provided. I was then given this hand-written receipt, attached. However, he not only over-charged my debit card, but also chose to charge my Capital One card XXXX, which is an amount that relates to absolutely nothing. That vendor provided me nothing but a hand-written receipt, which lacks contact information, so I can not contact them directly. I have explained all of this to Capital One, provided a copy of my receipt, and bank charge, but they have decided the charge is valid. I submitted a signed letter and supporting documents on the XXXX of XXXX, and received a letter that same day that suggests I did not supply any information and they are closing my dispute. The merchant in XXXX provided wildly false information and it is infuriating that Capital One is accepting their documentation and will not accept mine as proof of a taxi company that obviously and regularly fraudulently charges passengers.
Product: Credit reporting or other personal consumer reports

I am writing once again to demand the immediate correction or removal of the inaccurate reporting of the XXXX XXXX XXXX account ( Account # XXXX ) on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Transunion and have informed you that I am a victim of identity theft and that XXXX XXXX in the amount of {$300.00} account # XXXX is a result of identity theft. YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE TRANSUNION. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before.
Product: Credit card or prepaid card

My account was opened XX/XX/2023. My account closed on XX/XX/2023. At the time my account closed I did NOT have any balance. I received no statement for XXXX, no balance prior to my statement closing. I have no payment due in XXXX because when my statement printed in XXXX I had no balance. Discover improperly reported a balance on my credit report on XX/XX/XXXX, if though I did not have a balance nor a statement showing a balance or payment due. Discover must remove the improper {$210.00} balance that is reported to my credit report!!! LENDERS ARE ONLY SUPPOSED TO POST STATEMENT BALANCE!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report related to four closed accounts with DEPT OF EDXXXX. Upon reviewing my credit history, I have identified discrepancies between the reports of XXXX and those of TransUnion and XXXX. 

XXXX accurately reflects that I was " paid as agreed '' in XX/XX/2017 for the mentioned accounts. However, both TransUnion and XXXX incorrectly report a 90-day past due status for the same period, which I believe constitutes a significant error and a violation of the Fair Credit Reporting Act ( FCRA ). 

To substantiate my claim, I have enclosed a PDF document containing XXXX pages. These pages highlight pertinent information such as account numbers, open dates, high balances, and detailed payment histories. The mentioned accounts are clearly outlined in the enclosed PDF for your reference. 

Additionally, I have included instructions to facilitate a clear understanding of the reported mistakes. I kindly request an immediate update of the four closed accounts with DEPT OF ED/XXXX on TransUnion and XXXX to reflect the accurate status of " paid as agreed '' for XX/XX/2017. 

Per the FCRA, I understand that credit reporting agencies are obligated to conduct a thorough investigation within 30 days of receiving a dispute. I anticipate your prompt attention to this matter and request written confirmation of the resolution, along with an updated credit report reflecting the corrections. 

Should you encounter any difficulties verifying the inaccuracy of the reported late payments, I insist on the removal of all four closed accounts from my credit report. 

Thank you for your prompt attention to this matter. I trust that you will address this dispute with the requisite diligence and adherence to the FCRA guidelines.
Product: Mortgage

I was struggling to make my mortgage payments and attempted many times to do loan modification. My father was a cosigner on the loan and they required his information. He refused to provide his information so I continued to struggle, all the way into foreclosure. I did not receive notification of foreclosure, I found out by walking into a chase branch to make a payment. According to Chase Bank 's attorney, the foreclosure process started XXXX 2016. Here we are XXXX XXXX 2016, I go to my house and my realtor 's lock box has been cut off and replaced, with winterization notices. I have a third party who began a loan modification process for me in XXXX 2016, I provided her all needed forms and my father finally cooperated in getting a quit claim deed to her on XXXX/XXXX/2016. The quit claim deed Chase was waiting for was faxed same day. The house was auctioned in a sheriffs sale XXXX/XXXX/2016. It was my understanding that I still got a XXXX appeal period after a modification decision, and how can the have it up for auction 3 days after a decision. The third party rep was in constant contact with Chase and when she asked for a sheriffs sale date, XXXX/XXXX/2016, the did not have XXXX listed. Between myself, third party rep and my realtor, no one can make sense of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to lift a security freeze on my credit report ( that I placed back in 2017 after an information leak that occurred at Equifax ) because a bank needs to access my credit report. 

I have tried every possible method for removing the freeze ( via their website, multiple phone calls, US mail, fax ) and they still haven't solved the issue, which has prevented me from accessing credit at banks that query Equifax reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX  is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry Date : XXXX. XXXX, 2022 The evidence of this hard inquiry was requested and in fact that is not my signature or handwriting and I reiterate that this was identity theft and was used without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive contacted the following companies ' Experian, XXXX, and XXXX, about my credit profile having wrong names listed as well as the wrong address on file.to no avial i have yet to get any help updating these issues. also to alert companies about fraudulent activites.
Product: Payday loan, title loan, or personal loan

In the beginning I was told I would only pay half around XXXX.every two weeks it would calculate later I took a loan of XXXX. Have payed XXXX. They want XXXX. More payments of XXXX.every two weeks I can't do it it's affecting my ability to pay my other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, Good Morning, I hope your doing well.

Request for Immediate Deletion of Charged-Off Account Pursuant to XXXX XXXX XXXX 



I am writing to you regarding an account that is currently charged off in my credit report. I kindly request your assistance in facilitating the immediate deletion of this account from my credit history in accordance with the XXXX XXXX guidelines. 


According to the XXXX XXXX guidelines, specifically Section 605, the creditor has the ability to delete or update information reported to credit bureaus, provided it is accurate or no longer relevant. I firmly believe that the charged-off account mentioned above can be deemed as accurate and obsolete, warranting its prompt removal from my credit report. 

In support of my request, I would like to highlight the following reasons : 1. Inaccuracy : Upon thorough review of my credit records, I have discovered several discrepancies and inconsistencies pertaining to the reported details of the charged-off account. I believe these inaccuracies may have arisen due to data entry errors or miscommunications.

2. Verification : I kindly request that you validate the authenticity and accuracy of the information reported for the mentioned account. As a consumer, I have the right to request verification of any data affecting my credit report. 

XXXX. Timeliness : The deletion of this charged-off account is of utmost importance to me, as it is negatively impacting my creditworthiness and hindering my ability to secure favorable credit terms. I kindly request that you expedite the resolution of this matter within five ( 5 ) business days, as allowed by the XXXX XXXX guidelines. 


I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

Please be advised that, as per my rights under the Fair Credit Reporting Act ( FCRA ), I will monitor the progress and outcome of this request closely. In the event that the requested actions are not taken within the specified timeframe or if the account is not found to be inaccurate, I may be compelled to pursue further remedies available to me under the FCRA. 

I appreciate your understanding and cooperation in addressing this matter promptly. 

Thank you for your immediate attention to this request. I look forward to a swift resolution of this issue.