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

I, XXXX XXXX, discovered multiple inaccuracies on my credit report and took formal steps to address them. Specifically, I sent a demand letter to TransUnion requesting an immediate investigation and correction of several errors, citing relevant provisions of U.S. law to support my claims. Here 's a summary of the issues raised : XXXX : Payments were misreported, and under 15 U.S.C. 1666c ( Prompt and Fair Crediting of Payments ), I requested the account be updated to reflect " Never Late. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : These accounts were inaccurately reporting despite agreements by the original creditors to delete them once paid. I cited 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ) to demand their removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : I disputed these entries for lacking proper debt validation as required by 15 U.S.C. 1692g. I demanded their immediate deletion.

Personal Information Errors : I identified inaccuracies in my personal information and requested corrections under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

I emphasized that credit reporting agencies have a legal obligation to conduct a thorough and reasonable investigation of disputes within 30 days, as upheld in legal precedents like XXXX XXXX XXXX XXXX  and XXXX XXXX Trans Union XXXX. I further reminded them of potential liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

I also demanded that TransUnion provide : A detailed explanation of their investigation procedures. 
An updated copy of my credit report reflecting all necessary corrections. 
Finally, I made it clear that failure to comply would result in escalating the matter to regulatory bodies or pursuing legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are student loans that needs to be removed by law as I am a XXXX XXXX   XXXX  and XXXX  XXXX  XXXX  XXXX Veteran. Document has been attached. Also, there are numerous of credit inquiries that I did not authorized that I did NOT approve. Please remove all of these accounts and inquiries. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX 
Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXXXXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX XXXX XXXXXXXX. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX. 
Account name : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX  XXXX. 
Account name : XXXX XXXX XXXX XXXXXXXX. 
Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX  # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

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

I requested validation and verification of a bankruptcy with LexisNexis that has been reporting to the credit bureaus. After 30 days I received a response from Lexis Nexis stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if Lexis Nexis verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
Product: Debt collection

There is a collection listed on my credit file that I know I do not owe, I have disputed it and requested validation and received nothing. Please help ''Conserv XXXX
Product: Credit reporting or other personal consumer reports

the company has sent a response where it states never late
Product: Payday loan, title loan, or personal loan

I have a loan through them in XXXX i got a XXXX loan i have paid faithfully of around XXXX a month. I have paid just shy of XXXX so far and only paid off XXXX of this. I dont see how this loan is legal. this loan is predatory lending. XXXX given to them and still owe XXXX. I want to pay it off but this rate is way over the legal limit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX  1. ) XX/XX/2016 {$1300.00} XXXX  1. ) XX/XX/2016 {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XXXX  and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.
Product: Credit card or prepaid card

I opened 2 store credit cards that were issued to me by XXXX XXXX. One was opened on XX/XX/XXXX and the other was opened on XX/XX/XXXX. My credit limit was lowered 2 times. I started with a credit limit of {$800.00}. It went down to {$670.00} in XX/XX/XXXX and again to {$510.00} in XX/XX/XXXX. I telephoned the bank to inquire why they were lowering my limit. They told me that every few months they check my credit report. According to them I had serious delinquencies on my report that was reported by XXXX. I pulled my credit report from XXXX. It shows that I made two 30 day late payments in XXXX & XXXX of XXXX. XXXX XXXX then closed my account on XXXX of XXXX again for serious delinquencies that were being reported by XXXX. I telephoned the collections office again to inquire why they closed my account. The other store card that they issued to me was also being lowered and then canceled on XX/XX/XXXX. I was 30 days late on 1 payment on XX/XX/XXXX. When I asked why they issued me the cards in the first place, they could not answer that question. My credit score has been going up every month so I could not understand why they would cancel me. Also, the cards were issued to me AFTER I filed chapter XXXX bankruptcy which occurred in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had disputed some personal information a few weeks later they granted and reassured me that the information would be deleted week after that the information was still on my report and they told me that when they do an investigation on fraudulent accounts they do not inquire or request additional documentation or information so there for i believe that to be hearsay information received from other people that one can not adequately substantiate other words a rumor discrediting degrading defamation of my character
Product: Credit card

I called capital one concerning a payment that I would be late on. I was told that everything would be fine and not to worry about anything. I made the payment seven days later and according to the conversation I had with the representative online, the fee was waived and my minim payment would not change. I checked online once the new billing cycle was out and I noticed my minimum payment has risen from XXXX to XXXX for XXXX card and XXXX to XXXX for the other. I contacted the online chat and was told to call into Capital One. I called in and was told that there was no record of this conversation and someone laughed in my face. I was continuously told that I was late and delinquent. I explained that although the payment was late, i paid the required amount and I was told the late fee was waived and my minimum payment would not change. I also spoke to management who stated again how late I was. I paid the required and i understood what makes my minimum payment and it did not equal to XXXX or XXXX. I would like to pay my required minimum payment and nothing more.
Product: Debt collection

I have disputed XXXX  XXXX XXXX on several times with all three credit bureaus. The last dispute was on XX/XX/XXXX. The above collector States that the alleged accounts are accurate, but haven't sent any documentation to show that the accounts are valid. The Collector XXXX have no right to subrogate themselves in to a contract whether it's by purchase, assignment, transfer, or trade. XXXX is a third-party debit collector I didn't sign any contract with the above collector. I'm asking for the Collector to remove/ delete all alleged collection accounts from all 3 credit bureaus. They are in clear violation of Level 3 HIPAA subtitle D ARR be section of 13407 ( 1 ). No Permissible Business Purpose. The Collector has no right to collect anything from the alleged debtors without my consent / signed contract. The accounts that I'm requesting to be removed from all 3 credit bureaus are the alleged Account # XXXX with a balance of {$1100.00} & the alleged account # XXXX with a balance of {$35.00}. I'm asking for both collections be removed/ deleted from my credit report. I have no knowledge of either accounts. XXXX keep saying Accurate but haven't proven or sent any documentation with any information or a signed contract giving XXXX consent of permission to to have anything pertaining to my medical records on the alleged collection accounts. I don't have a valid contact with XXXX. It's against for any person Medical documents to be shared by without consent or a signed contract. Especially with a Third-party debt collector. If XXXX doesn't remove all accounts immediately I will be filing a formal complaint to the DHHS ( Department of Health ) and Human services, also OCR ( Office of Civil Rights. I have also ask the Collector to verify that they are licensed / Bonded to collect any debt in the state of Alabama but they refuse to verify that as well .They ignored that request on XX/XX/XXXX. I feel my Rights are being violated. No I'm not a lawyer or have all the degrees that they have but I works harder than anyone at XXXX. It's wrong and I Know my rights. I have no knowledge of these alleged accounts and I want them verified ( signed contract ) giving XXXX permission to have any alleged Medical documentation that belongs to me. I'm demanding all alleged accounts with the accounts numbers above be removed from my all 3 credit reports immediately.
Product: Credit reporting or other personal consumer reports

I am requesting that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, Experian.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Checking or savings account

Context : I opened a checking and savings account with Citizens Bank on XX/XX/XXXX to get a lower interest rate on the student loans I had just refinanced with them. Part of the requirement was to deposit money into the accounts, so I put an initial {$100.00} into both. As this is not my primary bank, my goal was to just deposit money into the savings account each week and use the automatic withdrawal to pay my loans each month. 

Initial issue : While I regularly logged into the app to check my savings account, unfortunately, I was not paying attention to my checking since I was not using it. On XX/XX/XXXX, it caught my attention as the {$100.00} I had initially deposited had turned into a - {$9.00} balance. To my surprise, I had been getting charged a {$9.00} " Service Charge '' each month. I quickly contacted customer service and was informed that Citizens Bank charges this fee when there is no activity in the account. The only requirement to avoid this fee is to deposit a minimum of {$0.00} each month. During this 12-month span of being charged this fee, I was not contacted by Citizens, nor made aware this inactivity was causing my investment to deplete. I opted out of paper statements, however, there is nothing evident in the app, such as a notification, that would have made me aware of the situation, nor did I receive any emails, which they have on file. The digital statements are not easily accessible on the app, and I would have no reason to check them anyway since I was not using the account. Clearly, I would have deposited a mere one cent had I known this was going on. Especially since {$260.00} of my paycheck is being deposited into my savings each week, I would have happily put some of that toward my checking to avoid this erroneous fee. Luckily, the customer service agent was able to reimburse 3 of those fees, however, it still put me at a {$79.00} loss at the time. 

Why I'm filing a complaint : After speaking with customer service, I went to the account to set up automatic transfers. It was then that I noticed my account had been " inactivated, '' so I was unable to make any deposits or transfers out of the account. Due to this, I assumed the account was essentially closed and would not incur any new fees. How could I if I was unable to perform the action that allowed me to avoid the fee? Well, on XX/XX/XXXX I logged on and sure enough, I was charged the fee. This time, I called customer service to explain the situation and request the fee be reimbursed and after a long conversation with the rep and supervisor, I was informed that they could not reimburse the fee. The reason being they had already given me 3 courtesy reimbursements and the system would not allow them to do a XXXX. I explained this was not a courtesy, it was an error on their end for their system not allowing me to make a deposit, yet still penalizing me for not doing so. I also argued that the customer service rep I spoke with on XX/XX/XXXX should've informed me my account was inactive and I would not be able to make any deposits if that was the case, to which the new agent agreed.
Product: Mortgage

Ocwen miscalculated my property taxes and as a result, my monthly escrow amount is {$1700.00} instead of {$700.00}. About a year ago, my property taxes got paid twice by Ocwen. My county refunded Ocwen the overpayment amount. Ocwen then calculated my taxes based off the double payment showing I was short, even though I was n't and Ocwen received a check for the overpayment. It is very frustrating because Ocwens XXXX call service center recognizes the error and every time I call to have my escrow recalculated to my correct tax bill, I am told it takes up to ten days and " I will put in a request ". Nothing happens. For a company so large to be so incompetent is beyond me. Unfortunately, Ocwen can see the error, but they wont respond. After reviewing the negative press surrounding Ocwen, I would think they would resolve customer complaints. Also, this is so simple and they ca n't fix it. Take my annual taxes divide by 12 months and you are done ... simple.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Investigation and Correction of Inaccurate Personal Information on Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am reaching out to seek your assistance in addressing a concerning matter regarding inaccurate personal information on my credit report, which is adversely affecting my creditworthiness.

The specific issues are in violation of the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681i : As per FCRA Section 1681i, consumers have the right to dispute and correct inaccurate information on their credit reports. I have identified inaccuracies in my personal information, specifically incorrect names, phone numbers, and addresses, which are negatively impacting the accuracy of my credit report.

Fair Credit Reporting Act ( FCRA ) - Section 1681e : FCRA Section 1681e mandates consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information provided in consumer reports. The inaccuracies in my personal information demonstrate a failure in these reasonable procedures.

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure the prompt correction of the inaccurate personal information on my credit report. Enclosed with this letter, please find supporting documentation highlighting the discrepancies in my personal information.

Your prompt attention to this matter is crucial in maintaining the accuracy and fairness of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices.

Thank you for your assistance. 

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

According to 15 USC 1666b under timing of payments, it states that a creditor can not treat a payment on a credit card account under and open end consumer credit plan as late for any reason. I have called and sent letters to to both XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I was advised by both XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX advised me that by LAW they are not allowed to remove any late payments. I called TransUnion at XXXX and spoke to XXXX XX/XX/2022 she advised me that they are not governed by the CFPB laws and do not have to comply. I called XXXX and spoke to XXXX on the XX/XX/2022 and he said that XXXX can not remove the information without the consent of the original Creditor. I am the original creditor. I extended my credit through my open ended credit card ( what is normally call the social security card ). I quoted the law and I was advised that of the law and still will not remove the illegal information. I explained the same to XXXX and advised them that facilitating the posting of my information know the law is illegal and that they are opening themselves up for a lawsuit. I was told take my best shot.
Product: Credit reporting or other personal consumer reports

DEAR SIRS, ATTACHED IS POLICE REPORT XXXX XXXX FOR IDENTY THEFT REPORT. ATTACHED ALSO ARE FRAUDULENT ACCOUNTS LISTED NOT AUTHORIZED BY ME, OR APPLIED FOR, PLEASE REMOVE AND DELETE ALL ACCOUNTS SPECIFIED THAT ARE NOT MINE!
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry is noted on my credit report from transunion that is fraudulent. XXXX   XXXX inquiry dated XX/XX/XXXX is fraudulent. They called me onXX/XX/XXXX and we agreed it was a fraudulent application. XXXX  XXXX has told me that they notified all three credit bureaus. It is now XX/XX/XXXX and this inquiry still has not been erased by Transunion
Product: Student loan

I have tried to make payments for my student loans to Aidvantage.com and they are continually reversed. The last payment to be accepted was on XX/XX/. 

I have attempted to make an autopayment on XX/XX/XXXX  for {$280.00}. I also attempted to make a payment for {$1000.00} on XX/XX/XXXX  and another payment for {$1000.00} on XX/XX/. These three payments have all been reversed and the interest continues to increase.
Product: Credit reporting or other personal consumer reports

I contacted Portfolio Recovery Services on XX/XX/year> and requested Debt Verification. The company states that I owe {$640.00}. I had no response from this company. 

I also contacted XXXX XXXX on XX/XX/year> and requested Debt Verification and signature of ownership of the debt and payment information and no response by this agency. The amount they are stating I owe is {$660.00}