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

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 XXXXXX/XX/XXXX Re : Urgent Final Notice of Legal Action To Whom It May Concern, This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Product: Debt collection

The following company never proved their methods of verification through several stages of written credit disputes : XXXX - GENESIS RETAIL The letters that were sent out are as follows : dispute letter XXXX -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter XXXX -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after XXXX days of no response or correction to the credit reports. 
Dispute letter XXXX OF DEBT TO ORIGINAL CREDITOR The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. XXXX also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Product: Credit card

In XXXX, 2016 I used my credit card with account number ending in XXXX to reserve a room at XXXX - XXXX for 7 days from XXXX through XXXX with the amount of {$450.00}. On XXXX/XXXX/2016 around XXXX When I arrived in the hotel, I immediately felt the need to change to another hotel due to unacceptable room conditions - TV not working, no hot water and filthy room environment. Around XXXX that evening, I informed the receptionist of my decision to end my stay early due to the unpleasant room situation. The room condition was so abhorrent to an extent that the receptionist had to apologize to me, reduce the rate and honor my decision. I then paid {$100.00} cash in full for XXXX nights and proceeded to book other hotels. 

I want to emphasize the fact that prior to my actions, I called BOA Credit Card Customer Service and spoke with the representative who verified that the amount of {$450.00} did not appear on my credit card statement. BOA representative further reassured me that this amount will NOT appear on the statement without XXXX swiping my card. With BOA 's reassurance, I felt comfortable and protected to end my reservation with XXXX early and book other hotels. 

On XXXX/XXXX/2016, I found out that the charge of {$450.00} appeared on my credit card statement. I immediately called Bank of America ( BOA ), my banking and financing carrier, to file a dispute. 

On XXXX/XXXX/2016, BOA received my inquiry and started researching my dispute. 

On XXXX/XXXX/2016, I received letters from BOA in inquiry of me providing more information on my end to help continue their investigation. 

On XXXX/XXXX/2016, I called XXXX regarding the charge in dispute. The receptionist apologized to me again on behalf of their negligence and admitting to the fraudulent charge. The receptionist provided me with the payment documentation showing that I only stayed there for XXXX nights and paid the the fee cash in full. The receptionist also welcomes BOA to call her directly for verification during the investigation process. 

On XXXX/XXXX/2016, I provided BOA with my response that included my statement, payment documentation, my effort to resolve the dispute and testimony from the receptionist at XXXX. 

ON XXXX/XXXX/2016, I received a denial letter from BOA denying my claim due to " We ( BOA ) did n't receive valid documentation to show that the charge ( s ) was paid by another means. '' On XXXX/XXXX/2016, I called BOA to express my extreme dissatisfaction of their Credit Claims Department denying my legitimate claim. After carefully reviewing this claim as well as all the documentations I provided, BOA representative acknowledged it 's a valid claim. Per my request, BOA reactivated this claim. 

This continuing ordeal with BOA makes me highly doubt BOA 's ability to protect their customers. Even with valid payment documentations AND the merchant 's testimony admitting to the fraudulent charge, BOA still denied my claim. I highly doubt that BOA even exercised their due diligence and professional conduct to investigate this claim before they simply mailed me with the denied letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with fair credit reporting act XXXX account 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 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX and XXXX the credit companies are not complying with their own policies in a timely manner.
Product: Debt collection

YOUR COMPLAINT There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from JPM/CHASE. I cant say this more emphatically, I have never had a JPM/CHASE account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Product: Credit reporting or other personal consumer reports

I am writing to formally request a reinvestigation of late payment notations on my account LENDBUZZ # XXXX, referenced above, which were previously confirmed by your institution in response to a dispute initiated with the credit reporting agencies. The dates of the reported late payments are as follows :XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I respectfully request that the company reinvestigate these late payment entries under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly focusing on the following : Accuracy and Completeness of Reporting - Under FCRA Section 611 ( a ), consumers have the right to request a reinvestigation of information on their credit reports. You are required to ensure that the information provided is accurate and verifiable, especially in light of FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that furnishers of information must not report information that they know or have reasonable cause to believe is inaccurate. Furthermore, under FCRA Section 611 ( a ) ( 5 ) ( A ), any unverifiable or inaccurate information must be corrected or deleted within 30 days of receipt of this reinvestigation request. 
Reasonable Investigation Procedures- As outlined in FCRA Section 623 ( b ) ( 1 ), furnishers of information are required to conduct a reasonable investigation of disputes and must report the results to the consumer reporting agencies. If your records do not fully substantiate the late payment entries, these must be corrected and removed from my account and updated with the credit bureaus. 
Validation of Billing Practices - Additionally, I request validation of compliance with 15 U.S.C. 1666 ( b ) concerning the timely mailing of periodic billing statements. It is my understanding that billing statements must be delivered not later than 21 days before the payment due date, per the Truth in Lending Act ( TILA ). I kindly ask that you provide documentation evidencing compliance with this requirement for the dates in question. 
Procedures to Ensure Accuracy - Per 15 U.S.C. 1681e ( b ), consumer reporting agencies and furnishers are obligated to maintain reasonable procedures to ensure the maximum possible accuracy of the information being reported. I am requesting an explanation of the procedures your institution follows to guarantee the accuracy of the late payments reported to the credit bureaus. 
Please provide a detailed response regarding your findings, including copies of all documents used to verify the late payments and the procedures followed during the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XXXX XXXX XXXX all three credit bureaus have the incorrect date in there system, that reads XXXX of XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to XXXX over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with equifax and XXXX because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..
Product: Credit reporting

Equifax continues to report information on my credit file that is not mine. The company also continues to place an address associated with the inaccurate accounts back on my credit file after it has been deleted numerous times. ( See Attachments ) I have filed a number of disputes with the agency to no avail. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following address and accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-XXXX # XXXX 2 ) US BK Court-XXXX # XXXX 3 ) US BK Court-XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Equifax has provided false and misleading information that the Courts have furnished and verified the inaccurate accounts when in fact the Court has not provided the Consumer Reporting Agency with any information. These inaccurate accounts have hindered me from gaining credit and I also have been denied credit do to the frivolous accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection in the amount of {$2100.00} on the XXXX XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account needs to report a {$0.00} balance. I settled this account and have attached documentation showing the account has been settled and there is no outstanding balance due and therefore nothing to collect. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Checking or savings account

Recently I got a job with XXXX XXXX XXXX  as XXXX XXXX I was in constant touch with the hiring manager XXXX XXXX via emails and chat .I received a check for {$9200.00} from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX I was then asked to deposit the same in my personal account ( wells Fargo ) and issue a cashier check in name of a vendor XXXX XXXX XXXX XXXX account number XXXX ) and deposit it in XXXX XXXX  XXXX 

This hiring XXXX asked me to deposit the cashier check to the vendor in order to get the XXXX office Setup. 

The next day XXXX got email from my bank stating that I have overdraft ( negative ) balance of $ XXXX lost my existing amount ( {$950.00} ) in my bank plus I have to pay an additional overdraft amount to the bank. When I tried contacting XXXX XXXX XXXX they stated this as a part of a big scam and I was victim to this scam. No one from the company ever interviewed me, there was no communication exchange between me and the company.so the guy who interviewed me, send me check and the chase bank account holder XXXX XXXX who emptied my bank account was a fraudulent. 

So now I have to pay the overdraft amount of {$8000.00} to the bank. I understand I was the victim to this scam but I expected few actions from the banks end.
Product: Mortgage

The beginning of this year started off bad for my family and I. I called M & T Bank looking for some type of assistance, which I feel that I was not successful in receiving and was lied to which resulted in additional months going by. M & T Bank will not accept any funds from me unless it is the full 8 months past due. I was told to apply for a loan modification even thought I told the representatives that I had received a modification within the last 24 months and I don't qualify for another one. I was told I would be fine and there are other options to help me catch up forbearance, repayment plan, etc all of which I was denied. When I first started asking for assistance i was around 5-6 months delinquent now I am 8 months delinquent. I have 6 of the 8 payments that are past due, but M & T is refusing to accept and payments or work with me at all. I had a representative by the name of XXXX or XXXX both verbally tell me and notate my account that I can make the 6 payments and when I called back to do that I was denied. I don't know why there is so much misinformation and incomplete answers from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the government enacted the Cares Act with Covid I missed payments for federal student loans. I did receive notification of late payments, but believing that they were in error as the loans had all been put into a suspended state I ignored the letters. When I did follow up as to why I was still getting letters ( that I believed to be in error ) I was informed that the accounts could be brought up to date under disaster measures and then put into deferment. I accepted that resolution and then paid the accounts in full the following month. I am currently, working to refinance my home. My credit score has been devastated by this delinquency. A delinquency caused by a misunderstanding. The misunderstanding that occurred because Navient did not well communicate that these loans did not qualify for protection during this unprecedented worldwide disaster. It is not uncommon to receive notifications in error from my student loan holders. There were wrong communications during XXXX XXXX and XXXX. Everything in the news and otherwise indicated that these loans were protected. I have contacted the Navient Advocate and was offered a letter of good standing but not something that will remove the marks from my credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Va XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear, Experian, XXXX and XXXX I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding iteims listed on my consumer credit report : It has been over 30 days from the first letter was sent to Experian, XXXX and XXXX send on XX/XX/XXXX. I have been ignoired and the Hard inquires have not been removed. 

Hard inquiries : Experian XXXX XXXX  XX/XX/XXXX needs to be removed not authorized by me Syncblowes XX/XX/XXXXXXXX  needs to be removed not authorized by me XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX  needs to be removed not authorized by me XXXX XXXX Inquired on XXXX XXXX, XXXX  needs to be removed not authorized by me XXXX Inquired on XX/XX/XXXX needs to be removed not authorized by me XXXX US DEPARTMENT OF EDU Inquired on XXXX XXXX, XXXX  need to be removed not authorized by me As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XXXX/XXXX/XXXX  SSN : XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

I have contacted the consumer reporting agencies multiple times regarding fraudulent items included on my credit report. I received notification that the credit reporting agencies declined my request to delete and block items from my credit report. Under 15 USC 1681c-2 , a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with Equifax regarding this issue. Due to their phone service I have been unsuccessful in contacting anyone. 

This ongoing issue has caused me financial hardship and credit denial. 

Please see attachments with this complaint.
Product: Mortgage

Caliber Home Loans has put my mortgage in a Banruptcy Status with them and they have reported to my credit that the account is in Bankruptcy as well. 
I have never filed bankruptcy on them I did file 2 years prior to getting the loan. I have made multiple attempts to them and nothing is getting done.
Product: Credit reporting or other personal consumer reports

In order to REMIND Experian and XXXX Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Experian BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ) XXXX : {$580.00} The XXXX XXXX  XXXX XXXX I ( original creditor : XXXX XXXX XXXX ) XXXX Original Balance : {$15000.00} Bankruptcy XXXX XXXX-discharged XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Keep calling to take me to court without telling me the name of theircompany.After i repeatedly request for their information and they hang up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$690.00} ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ( XXXX ) XX/XX/XXXX ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REQUEST- XXXX is refusing to update my past due history stating that the information that they are reporting is correct. The company stated that they received a payment on XX/XX/2019 for XX/XX/2019 and XX/XX/2019 due dates. They are reporting past due history for XX/XX/2019. I would have only been 15 days late for XX/XX/2019 and not 30 days. Please update immediately before there is additional action taken.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX and Experian regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX The dates of these disputes are as follows : XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus. Furthermore, I have received emails from Experian on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> stating that they are refusing to investigate. I have also received emails from XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> XX/XX/year> and XX/XX/year> stating that they are refusing to investigate.
Product: Credit reporting or other personal consumer reports

I have sent out debt validation letters and still have not received any information back.