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

XX/XX/year> Subject : Second Request for Investigation and Immediate Correction Account # XXXX Dear CFPB, I am writing to follow up on my initial dispute submitted on XX/XX/year>, regarding the inaccurate reporting of late payments for account # XXXX. Despite the passage of time, no corrective action has been taken, which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i ( a ), which mandates timely and accurate investigation.

Disputed Late Payments In my Equifax report, this account inaccurately reflects XXXX, XXXX, and XXXX late payments for the months of XXXX, XXXX, and XX/XX/year>. These entries are incorrect and damaging to my credit profile. 
FCRA Violations and My Legal Rights 15 USC 1681i ( a ) ( 1 ) : You are obligated to investigate disputes promptly and ensure accuracy.

15 USC 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy when including information on a consumer 's report.

15 USC 1681i ( a ) ( 7 ) : You are required to provide me with a detailed description of the procedures used during the investigation of this dispute.

Supporting Information Provided For your reference and verification, I have included : A copy of my government-issued ID My Social Security Number for identification purposes My address verification A copy of my current credit report Formal Demands Immediate Deletion/Correction : If you can not provide documented and verifiable proof of the alleged late payments, I demand this account be updated to reflect : " Paid As Agreed, Never Late. '' Detailed Explanation : Provide a comprehensive description of the investigation process, including how the information was verified, as per 15 USC 1681i ( a ) ( 7 ).

Adherence to Timelines : I expect a response and resolution within the 30 days required by the FCRA. 
Failure to comply with these legal obligations will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek further remedies available under the law, including litigation for noncompliance. 
I trust you will treat this matter with the urgency and seriousness it deserves. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus ( XX/XX/2024 ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$33.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$750.00}
Product: Mortgage

I have resided in this home since XXXX, I fell into some financial distress in XXXX after struggling I filed for Chapter XXXX Bankruptcy in XXXX. The Bankruptcy was discharged in XXXX, I continued to pay my mortgage after the discharge. I sought Counseling from an agency to try and obtain a modification of mortgage. I was successful in getting the XXXX of XXXX, to assist me in obtaining a favorable modification of mortgage in XXXX XXXX when the agreement was signed and submitted to Green Tree Servicing. I have Repeatedly submitted my Re-affirmation of the mortgage debt to Green Tree XXXX ( XXXX ) times to be exact and I can not get the servicer to update their records and report favorably to the credit bureaus. I started this quest at the beginning of XXXX we are at the end of XXXX and Green Tree continues to give me the run around. Claiming once they lost the paperwork, I have mailed the re-affirmation including by certified mail. I can not take Green Tree 's lack of acknowledge to continue to destroy my credit profile. I pay my mortgage on time every month and yet I have not been getting any type of compensation for the mishap Green Tree is causing me. I desperately need from CFPB or anyone on my behalf to intervene and enforce Green Tree to Update their systems with the Reaffirmation of the Debt.
Product: Checking or savings account

I was charged multiple fees and called customer service to get feedback reversed and told would be reserved and they would be reversed and lost money
Product: Credit reporting or other personal consumer reports

I took a look on my credit report and these inquiries unauthorized and fraudulently reporting on my credit report ( XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote  XXXX ,  XXXX , and Equifax on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified. Equifax said they will removed but still fail to do so.   XXXX   and   XXXX   said they verified but the court said they did n't verified threw them. This item is not mines
Product: Credit reporting or other personal consumer reports

- XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX : XXXX - XXXX XXXX XXXX XXXXXXXX I found several fraudulent accounts on my credit report due to identity theft. These are severely impacting my ability to obtain credit. Under Section 605B of the FCRA, I request their immediate removal. Please investigate and correct my credit file promptly. Thank you for your swift action.
Product: Credit reporting or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.
Product: Credit card

I have tried to work since XX/XX/XXXX to get this account paid and settled. I have disputed this account numerous times with the credit bureau, i have sent letters directly to SYNCHRONY BANK ( Walmart and Belk ). I got an alert today that says they have just reported an over limit fee. If the account was charged off last year, Why am I still incurring fees? I even called today XXXX/XXXX/XXXX and spoke to a representative who was no help at all, she just proceeded to tell me the account was somewhere else and they legally do n't have any information on the account. If they legally do n't have the account anymore, how are they still reporting a balance? I do n't know what to do so I am asking for help in this matter to get someone to work with me and get some help. I have consulted with legal counsel and see what can be done about them reporting inaccurate information.
Product: Money transfer, virtual currency, or money service

I was the victim of identity theft. The hackers transferred my cell phone number to themselves ( SIM swap ).

The hackers opened a Chime account that I discover by a USPS mail acknowledgment. 

I called Chime and their customer service agents had me go through a process I could not complete so they would not cancel the account. The agent was so bad and poorly trained that it was clear he did not understand what I was trying to do. They were reading from a script that made no sense and did not allow me to proceed. 

I finally sent an email to XXXX plus contacted the Chime XXXX account. Eventually the issue was resolved and the account closed.
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer life. 
IN tent to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Sections 617 if the UNVERIFIED item listed below are note deleted immediately. 
A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA. 
If you claim that these account is verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account. 
The law is very clear as t the Civil Liability and the remedy available to me ( section 616 an d617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify this account, or delete it from my credit report. 
The account is XXXX XXXX XXXX  XXXX Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete this negative account and provided me with an updated report within 30 days in accordance to the FCRA.
Product: Mortgage

XXXX mortgage has assessed me $ XXXX. for 36 months for an " escrow deficit '' which was arrived at by an error of calculation in their annual escrow analysis. I addressed several letters to XXXX explaining my position and submitted my complaint all the way through XXXX 's consumer ombudsman, which affirmed the company 's position. I do not believe anyone at XXXX ever actually read my complaints or did anything besides sending me form letters which ignored my specific contentions and repeated the same mistaken conclusion again and again. This mistake occurred because XXXX subtracted payment for hazard insurance twice in 2015 -- once for ACTUAL payment, then again for " projected payment. '' It is the second, erroneous deduction for " projected payment '' for hazard insurance, made after the payment had already been made, which put me in this mistaken " escrow deficit '' XXXX claims now exists. After several correspondences with XXXX, it sold my loan to CHASE and after making my same complaint to CHASE, it also affirmed XXXX 's contention. I do not believe that either company has actually read anything I have sent, much less addressed my specific contentions and justified their position in ordinary terms. All they have is sent conclusory letters saying I am wrong, and that they are correct. It seems obvious that the only reason there is any " escrow deficit '' is due to an error of arithmetic/accounting in XXXX 's escrow analysis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX COLLECTION SERV ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX AUTO ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

RE : Dispute of Incorrect Address on Consumer Report I am writing to dispute the following incorrect address on my consumer report : Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX There are multiple incorrect addresses on my consumer report causing me problems such as difficulty receiving mail, being denied access to credit, etc. 
I have attached documentation to support my claim, including I request that you investigate this dispute and correct my consumer report as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to investigate all disputes within immediately and to correct any inaccurate information on my consumer report. 
Thank you for your time and attention to this matter.
Product: Debt collection

EQUIANT FINANCIAL SVCS XXXX - This account is not authorized and is therefore fraudulent. I only agreed to in-house financing and not third party loans. My information was provided to this company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested verification of this account. This has not only caused us much financial hardships, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Product: Credit card

On XX/XX/year> I applied for a Capital One credit card on the Capital One website. I've banked with them for a while, and I have a credit card, checking and savings. Immediately, they sent me an email asking for more information. I spoke with their representative on XX/XX/year> who advised me to submit requested documents. I was surprised, but submitted my Driver 's License, Passport and Social Security card images. On XX/XX/year> I called to ask how long for review. I was informed it will be XXXX to XXXX business days. Later in the day I received an email that my application was denied. I have excellent credit, income, etc. so that was surprising. The Adverse Action letter in the email attached said it was because they couldn't verify my information. I called to ask what information, and was told my first name was entered as my last name, and my last name as my first name. I acknowledge the mistake, but asked if we can update the application or how we can fix it. The representative informed me that not only can nothing be done to update it or fix it ( despite having XXXX forms of ID from me and a banking history ), but that I'd have to apply again, but if I do within 6 months, I'm likely to be denied because I had another application within 6 months. I asked to speak with a supervisor and they told me very coldly the same " nothing we can do ''. I reached out to Capital One on XXXX and got the same " nothing we can do ''. So, I did apply again with name entered correctly because I want the product, and I want to be assessed on real credit worthiness merits not a simple silly mistake. I got denied for having another application " pending '' ( it isn't pending it is declined ). So to summarize, they won't allow me to correct that first application and they won't allow me a second credit application because i have the first application. Neither one has assessed my credit worthiness, but produced credit inquires. Essentially, I am banned for 6 months for a simple mistake of switching first and last name despite all efforts to fix/apply and they refuse to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been trying to remove a freeze that we did not place. We called XXXX, and they told us to fax in documents including birth certificate, drivers license. We faxed it and waited. Called back and they say it was never received. Our send sheet showed it was received on their end. Called again, but they deny ever getting it. Then they said it was in the stack but they were running behind. Nothing. We called again in XXXX and they said we had to mail the paperwork. I sent it by Priority mail and it was signed for on their end. They deny having it. It was signed for by their agent on XXXX XXXX, Called again and they deny having it. We repeatedly told them their agent signed for it on XX/XX/XXXX. Asked to talk to another agent. He said they should have it, just running way behind. Its now XXXX and they still haven't done anything, and suggest mailing again. We can not proceed with a home loan without the XXXX report. We need help dealing with them.
Product: Student loan

XXXX XXXX XXXX, XXXX has been contacting me on behalf of Key Bank. I called and made a settlement with XXXX, got the settlement in writing ( which I can provide ), went to pay the settlement in the agreed amount online and was told my account was closed with XXXX, even though it was before the payment date that was agreed upon in the settlement agreement. 

I called XXXX many times to talk with someone about why it was happening, and that we made an agreement, and they said to talk to Key Bank. I called Key Bank and talked with several different people who did confirm that XXXX does collect for them, but couldn't tell me anything about it because they didn't have any thing on file about it. They suggested calling XXXX and demanding that I be allowed to pay the settlement amount. I did so and even asked several times for a manager, but was either hung up on or told to call back again and again.
Product: Debt collection

I CALLED ARC MANAGEMENT ON XX/XX/2019 TO ASK THEM WHY THEY PUT AN ACCOUNT ON MY CREDIT REPORT THAT WAS TAKEN OFF ON XX/XX/2019. SHE PRECEDED TO TELL ME THAT I HAD 19 CASES COME  THROUGH HER OFFICE. I TOLD HER THEY ARE NOT ON MY CREDIT REPORT AND AREN'T RELEVANT TO THIS CONVERSATION. I TOLD HER THAT SHE WAS TALKING TO ME LIKE SHE HAD NO PATIENCE TO HELP ME WITH MY PROBLEM. I ASKED IF THE CALL WAS RECORDED BEFORE THE LADY TOLD ME THEY SOLD THE DEBT BACK TO THE ORIGINAL CREDITOR. I THEN ASKED WELL WHY DID YOUR COMPANY PLACE IT BACK ON MY CREDIT REPORT IF YOU DON'T OWN THE DEBT ANYMORE. I ASKED IF THIS WAS ILLEGAL AND THE LADY SAID IT WASN'T ILLEGAL TO REPLACE A DEBT THAT WAS DISPUTED AND TAKEN OFF THE CREDIT REPORT. I WANT THIS DEBT OFF MY REPORT.
Product: Payday loan, title loan, personal loan, or advance loan

A few months ago I ran into a problem with paying my loan with Republic Finance because my wages were cut almost in XXXX. I made them aware that I would probably be filing bankruptcy. I managed to get the total together for the amount past due but when I went online to pay, I was locked out. I made the payment at the store and they told me that I would have access to my account after I made the payment. No. I went back in to try to pay this month and Im still locked out. I dont always have the gas to drive across town to pay them monthly nor do I trust them to give my information over the phone. I have tried to get them to unlock the account to make payments, but they refuse.
Product: Credit reporting or other personal consumer reports

It is my sworn statement that the below listed account is not mine and needs to be marked for identity theft and deleted immediately as I did not originate this account. Pursuant to 15 USC 1681c-2 please delete this fraudulent account. US DEPT ED XXXX SEE ATTACHED IDENTITY THEFT REPORT. 

That fact that this account was verified is ridiculous and your agency may be setting itself up for a lawsuit. This is a fraudulent account that I never created. According to the FCRA, more specifically 15 USC 1681i, a REAL re-investigation must be performed immediately and this needs to be deleted.
Product: Consumer Loan

My wife & I jointly purchased a new, XX/XX/2015 XXXX, using cash, our trade-in, and a loan of {$5000.00} from XXXX Finance -- the loan being required by XXXX in order to receive a {$1000.00} rebate. We asked that title be issued jointly, with right of survivorship, i.e., 'WROS ' appearing after each of our names on the title. Such titling is an estate-planning tool prescribed in the Ohio XXXX XXXX XXXX XXXX website regarding vehicle titling. The XXXX dealer 's Finance Manager refused, saying that XXXX Motors Finance did not allow such modifications to the buyers ' names. We replied that XXXX statutory law gave us that entitlement, and gave him a copy of XXXX Revised Code 2131.12, the applicable statute. After checking with his counterparts and confirming his position, the Finance Manager promised to check with supervisors at XXXX Motors Finance the next day. When we followed-up, the Finance Manager said he had checked as promised, and reiterated the refusal. 
Upon contacting the XXXX Attorney General 's Complaint Department, we were told they had no jurisdiction, and referred us to the Comptroller of the Currency @ XXXX. That Office, in turn, said they had no jurisdiction, since XXXX Motors Finance was neither a bank nor a credit union, and referred us to the Federal Trade Commission, which referred us to this website.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate consumer service and unfair practices, which violates the consumer Financial Protection Act ( CFPA ). Specifically, cash app has failed on there platform leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss I seek appropriate redress for these violations.
Product: Bank account or service

I opened an account online with a promo code that promised {$300.00} incentive with first deposit of {$500.00} or more. My account was blocked and even after I submitted the required info my account was still not unblocked. Very unhappy with Key bank processes.
Product: Consumer Loan

I purchased a auto loan with CPS Consumer Portfolio Services Inc. on XXXX/XXXX/14, I informed them that the vehicle odometer was tampered with, and the dealership refused to pay my old auto loan off which damaged my credit. After reviewing my complaint. CPS informed me that this loan was null and vold because the Auto dealership violated their agreement with CPS, regarding opeing up a new loan with me because I had XXXX auto loans currently open. I ask CPS to provide me with a letter explaining this information before I return the car, because I was n't confident my credit would be safe without any documentation of our conversation. I never received a letter. The phone payment system stop processing any payments, and two weeks they repo the vehicle and they are not responding to my inquiries. I 'm afraid they are going to ruing my credit score and not going to remove this from my credit