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

I am writing to formally dispute inaccurate, incomplete, and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). The disputed information is causing harm to my financial standing, and I am requesting its immediate removal. 

Upon reviewing my credit report, I identified multiple charge-offs, collections, and other negative remarks that appear to be inaccurate, unverifiable, or reported in violation of federal law. Specifically, I dispute the following accounts : XXXX Account # XXXX ( Charge-Off ) XXXX  Account # XXXX ( Charge-Off ) Portfolio Recovery Associates Account # XXXX ( Collection ) XXXX XXXX Account # XXXX ( Late Payment or Other Negative Item ) Reasons for Dispute : The disputed accounts contain inaccurate and unverifiable information that must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

The credit bureaus and furnishers failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Some accounts may have been reinserted into my credit file without proper certification and notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The reporting agencies may have failed to maintain reasonable procedures to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ).

Legal Violations and CFPB Complaint Consideration : If these violations are not corrected within the legally mandated timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I may pursue legal action to seek damages for violations of my rights under the FCRA and the Consumer Financial Protection Act ( 12 U.S.C. 5531 et seq. ). 

Requested Action : I demand that the following actions be taken immediately : Remove all inaccurate, unverifiable, and negative information related to the disputed accounts. 
Provide me with a corrected credit report reflecting these changes. 
Provide written confirmation that the disputed accounts have been deleted or modified. 
Include a detailed explanation if any items are not removed, along with the method and sources used to verify the information. 
Per the FCRA, you have XXXX  days to complete this reinvestigation. If these items can not be verified as accurate and complete, they must be deleted from my credit file immediately. 

Please respond to this dispute in writing at the address listed above. Thank you for your prompt attention to this matter.
Product: Bank account or service

Chase is the bank named in this complaint, but from the posted deposit and overdraft agreements of other banks, their policies are the same. When you do n't maintain a certain balance in an account, you do n't qualify for the fee-free accounts. So already you are paying a monthly fee. But let 's say you misjudged the amount of time it would take a check you sent out to post to your account, or had an auto-pay bill post before your deposit goes in ; then Chase will take all your incoming debits and post them in the order of largest to smallest. This means that, even though you have enough money in the account to cover all the transaction but the last one, their posting method guarantees that they can charge as many overdraft fees of {$34.00} as there are transactions after the largest wipes out the balance. In my business account 's case, a {$25.00} payment ( here 's the irony ), to Chase credit card, was charged a {$34.00} OD fee, because it was posted after a {$150.00} check. So after all transaction posted, the account was overdrawn by {$110.00}, {$68.00} of which were overdraft charges. And that 's only on XXXX transactions. Had I had more transactions posting, each and every one of them would have cost {$34.00}. This could become an insurmountable amount. I have a small, struggling business that does n't always have the best cash flow, and Chase and other banks take full advantage of this by penalizing me XXXX ways. One is by charging a monthly fee for being poor, the other by posting transaction to cause the most amount of damage, and take the most amount of money from the very people who can least afford it. This practice should be stopped, and a federally regulated policy for Overdraft charges should be in place. I am all for paying a monthly fee to use my account, as it is a service I appreciate. But to be outright robbed of precious few dollars I may have, because of greed and morally corrupt corporations, this should not stand. And our regulators need to protect us from these type of widespread corruptive practices.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX  - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

Requested the reporting information be verified and validated to identify the responsible party of this debt. The verification and validation would include identifying information. With accounts such as mobile carriers in order to open an account, the responsible party must be XXXX years old, provide an valid state ID and sign a binding contract. Requested documents did not provide any of that information and the request is being denied and refused. It is important that the requested information is supplied which will accurately prove who is responsible for this account. 

If either party does not want to furnish this information than the reported information must be removed and deleted. 

XXXX supplied a phone bill cycle with different account numbers which does not validate nor verify who this account belongs too. This is not an original signed and dated agreement or contract with the signature of XXXX XXXX and does not contain a valid ID, required to obtain this kind of account. 

All of this is very important because XXXX would have been XXXX years old according to some of the dates already provided in these responses. 

XXXX XXXX & Convergent Outsourcing
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my client needs to do a background check on me in order to allow me to work on their project. I have " credit freeze '' from all 3 credit bureaus ( XXXX, XXXX, and Experian ). When I freeze my credit, I meticulously double-checked, triple-checked my passwords and PIN provided by the bureaus. And for years, I have never had any problem thawing my credit online with XXXX and XXXX. However, this time, my client uses Experian and over-and-over again ( over 1 month ), Experian will not allow me to thaw my credit using their online request and require me to mail in the request. Hence, the start of the problem. XX/XX/XXXX I mailed the request to thaw my credit for 14 days to Experian. Their form only allows me to specify XXXX days, but not which date the thaw should begin or end. I never had to use snail-mail to lift my credit with XXXX or XXXX so I expected Experian to get back to me to ask me for the beginning date once they receive my mail. Well that did n't happen. XX/XX/XXXX Experian sent me a letter stating that my credit freeze was lifted " ... .for the time frame ( 14 days?!?!? ) you selected. '' Their letter was dated XX/XX/XXXX with no post-mark date and it was NOT received by me until XX/XX/XXXX. See attached file.
So if Experian lifted the freeze starting XX/XX/XXXX, which I suspected they did at that specific date. Then, that means I ( or my client ) have until XX/XX/XXXX ( next Wednesday ) to check my credit report. Since I ca n't respond to my client until XX/XX/XXXX and over the weekend. This means that I ( or my client ) have until next Wednesday to check my credit before it is " freeze '' again. Knowing the corporate-culture of my client, a XXXX company, it is not reasonable to expect their employees to put my case as the top priority when they are handling hundreds of other credit check cases. That 's why I put in a 14-day period, but what I got was a 3-day period of " thaw '' due to Experian 's inadequate form and slow processing time. So herein lies the problem : 1. Why Experian did not allow for online " thaw '' of my credit? I am positive that I have filled in the correction information, but received messages stating that my request ca n't be verified and therefore, I have to mail in my request. 2. The mail in form did not state the " starting '' and/or " ending '' dates of my request. How I am ( or other consumers ) to judge or know when they will receive U.S. Post Office mail and process my request on what date? My letter was mailed on XX/XX/XXXX, they stated it was processed on XX/XX/XXXX, and I did n't receive their letter until XX/XX/XXXX. Is n't this a big problem? I would not want to lift my credit freeze longer than necessary or it would defeat the purpose. So I put in 14 days and that looks like it is not enough. This is ridiculous. I hope CFPB can do something about this. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XX/XX/year>
Product: Debt collection

XXXX XXXX ( address XXXX XXXX XXXX, XXXX, CO XXXX, phone XXXX ) is attempting to collect money for estimate from XXXX XXXX ( XXXX XXXX XXXX, XXXX, CO XXXX, phone XXXX ). This estimate was not signed or agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ran my credit and I dont even know who they are, they put an inquiry on my credit report, what services do they offer, I would like to know who they are and why? If not I would like for them to fix this issue by deleting this inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

A COMPANY IS REPORTING A COLLECTION ON MY CREDIT REPORT THAT DOES NOT MATCH MY SSN OR ADDRESS. THEY REFUSE TO PROVIDE PROOF THAT THE SSN MATCH.
Product: Credit reporting or other personal consumer reports

XXXX and Experian claims that the information being reported is " verified as accurate '' while XXXX deleted this information from my consumer report as the information was incomplete and now I am demanding, pursuant to section 623 ( b ) ( 1 ) ( D ) of the FCRA I demand that it is deleted on all consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous entries from my credit report. Could you kindly reviewFCRA 605B mandates the elimination of any erroneous entries from my credit report. Could you kindly review the documents? Certain listed accounts are reported inaccurately and should be promptly expungedXXXX expunged.
Product: Student loan

I applied and qualified for PSLF when they expanded the program. I have been a State of Alaska employee since XXXX. I worked seasonally until XX/XX/XXXX, with a month to XXXX months off a year for several years, but sometimes working all 12 months as a government employee. For the past four years, I have been employed year round for the government. I submitted my second employment certification letter in XX/XX/XXXX. They reviewed it but did not certify any additional payments. I currently have 138 payments, 96 which have been certified. I need 24 more payments to qualify for forgiveness. My employment and payments have not been certified since XX/XX/XXXX. I requested a review of this since it was obviously made in error. Ive also called twice and have been told my account will be reviewed by a supervisor. They also put me on administrative forbearance through the end of XXXX to review my account. I made payments during that time ( since payments restarted in the Fall of XXXX ), and when I spoke with MOHELA they said I could request a refund for those payments since I didnt have to make them. I did. Today, I received an email stating my account was past due since I hadnt made any payments since XX/XX/XXXX. I called them and they said they will have a supervisor review my account. They also placed me in a processing forbearance and canceled the auto debit for XXXX since they need to figure out whats going on with my account. Its a lot of extra work for everyone since I have enough payments to qualify for PSLF, they just need to amend their mistake. But all I can get from them is that a supervisor will review my account. Its been a couple months now waiting for a supervisor to review my account.
Product: Debt collection

I called & emailed this debt collector 2 yrs ago requesting information I was told they dont need to provide me with anything & was hung up on.

There never was & still to this day not one thing on my credit report. I have not received any other kind of communication in TWO years.

Now they are trying to take my state tax return.

Having no idea it was same fake creditor from two yrs ago - I called asking what is this regarding the woman once again was beyond rude, she was aggressive, antagonizing me, mimicking me, & told me I should pay my bills.

Then she hung up on me.

I sent emails= with zero response! 
I have the bill from the hospital stating PAID IN FULL. However they refuse to respond to communicate or provide information
Product: Debt collection

This company with a XXXX XXXX with phone # XXXX is texting & calling anyone I may know regarding a debt I owe. No contact via mail, nothing and they are referring to a very old ( XXXX yr ) contact information. Also calling XXXX. I barely know the people they are reaching out to and no one has contacted me. It is threatening and embarrassing.

United Recovery Systems who I had never heard of before.
Product: Checking or savings account

I'm a victim of bank fraud because of transactions that occurred at the Wells Fargo XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX located in XXXX Texas XXXX I checked my account-activity the XXXX of Saturday XX/XX/XXXX and noticed on Friday XX/XX/XXXX, XXXX in-branch bank withdrawals were made out of my accounts. The branch teller at this location handed over approximately {$11000.00} of my savings to someone else ( not me ). I do not live in XXXX Texas, nor have I ever visited the state of Texas. I live in another state approximately XXXX miles away. Upon discovery of these erroneous disbursements out of my accounts, I contacted Wells Fargo and asked for reimbursement. I was informed they would conduct an investigation and was given XXXX case numbers. I requested reimbursement right away, but was then told they needed to go through the investigation process, and it could take up to XXXX business days to receive reimbursement. Needless to say, I received reimbursement after multiple calls speaking with supervisors and whoever else I needed to contact further up the chain to get my funds returned to me before their " 10 day window ''. No one at Wells Fargo could/ or would inform me as to the location the theft had occurred because all it stated in my account detail activity next to each withdrawel was " in-branch transaction '' - no location, no identification, no indication as to where the transaction took place. You know how I found out it was the XXXX Texas branch? I received an automated emailed-survey from the XXXX branch asking how my visit was and to give them a XXXX star rating. Upon receiving this email, I contacted the XXXX Texas branch and spoke with the branch manger. I demanded to see every detail on record related to these fraudulent withdrawals, including signatures, id 's, teller information, receipts, video, and if police were notified. But the branch manager would only tell me that the matter is being investigated. I asked the branch manager I needed to speak with her supervisor, but no one else contacted me from that location. I reached out to an attorney who sent a letter to Wells Fargo requesting the above information. Wells Fargo 's legal team responded that providing any documents without a subpoena is against Wells Fargos corporate policy. Also stating Wells Fargos compliance with my request is strictly voluntary. " XXXX '', to me, means they can give the information I seek, but they choose not to - what are they hiding? I need answers - not a word salad. Except for a small balance remaining in my checking account, I moved the rest my funds to a more reputable institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my free annual credit reports. On XXXX and Experian, my name is incorrectly reported. It is misspelled. I tried to open a dispute on-line but this didn't work and I had to call the credit company. The credit company, Experian, told me I had to have the bank fix the error. I recently tried to refinance my mortgage with XXXX  XXXX XXXX and had a terrible experience. XXXX   refunded my fees, but now I have to ask them to correct my name on my credit report? This seems very unfair as the relationship with XXXX is poor due to the refinance experience. Please help me to remove the misspelled names from my credit reports. My name is XXXX XXXX XXXX, not XXXX.
Product: Mortgage

XXXX XXXX contacted Midland Mortgage Representative customer service regarding why my account is showing owed {$3000.00} an I have never been late. 

My Realestate taxes increase and I was put on a 3 months trial and I completed the trial and no papers for my new plan received and date for my new payment to start. 

It appears to me that my maturity date to pay off my mortgage is XXXX when I never agreed to extend my maturity date. I am aware I have a subordinate lien that will be paid off at anytime. Not to extend XXXX more years on my loan that I only owe {$23000.00} I have not received any communication from Midland Mortgage as of today 's date.
Product: Credit reporting or other personal consumer reports

XXXX has removed the XXXX from my credit report. But XXXX  and equifax have not
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is illegally showing on my credit report as an Alleged Debt. This account is fraud and has been wrote off as bad debt by the issuer. This credit account is NOW a INCOME. INCOME IS NOT SUPPOSE TO SHOW ON MY CONSUMER ACCOUNT. THIS IS A {$1000.00} VIOLATION and I will pursuit litigation if this account is not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax three dispute letters, verifying my identity and requesting investigations of errors on my bureau file. I have requested that the results be documented and mailed to me at the address that I provided. Please see attached as evidence of the letters and the dates in which Equifax did not respond by 30 days. Each a violation resulting in a fine of {$1000.00}. 

Action : They refuse to correct information after being provided proof of inaccuracy. 
Violation : Defamation, willful injury Legal Jurisdiction : FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). 

Action : Failing to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) Violation : Consumer Protection afforded by the FCRA Legal Jurisdiction : FCRA Section 611 Part ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquiries XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, which I have not approved or given written permission to furnish in my credit report.
Product: Mortgage

Wells Fargo Bank foreclosed on our home sometime around XX/XX/XXXX after repeatedly requesting a XXXX loan modification on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
We had a civil action against Wells Fargo Bank, XX/XX/XXXX but was foreclosed sometime around XX/XX/XXXX. At which time they told us we had to be out in 48 hours, which caused stress and undue hardship. 
I lost my job prior to the foreclosure and had difficulty making the payment. I requested many times for a loan modification and have all the documentation sent to Wells Fargo Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

the inquirys on my credit report are inaccurate can you adjust the following thanks XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Mortgage

Amerihome acknowledged they had received the remaining documents for loss mitigation on XX/XX/2018. I called back on XX/XX/2018 and customer service representative looked through every document that had been faxed and verified that everything that was requested was there. She stated that she would send a email to let the correct parties and let them know that I had faxed everything that i had been requested. I called back XX/XX/2018 to get a update and to let them know I had a foreclosure hearing the next day. I was told they have 5 days to go over the paperwork that I was submitted and that it was nothing else I could do. I told them someone had gone through every document on XX/XX/2018 and the CSR just repeated there was nothing else I can do. I was also told by the customer service representative that the hearing was not to set a sell date just to check the status of the loan and just to let them know I was in the process of loss mitigation. I had a attorney represent me at the hearing with paperwork stating that I am pursuing loss mitigation and the lawyers for the mortgage company stated that they had not received any information from the mortgage company stating that I was trying to keep the home. A sell date was set for XX/XX/2018. I contacted Amerihome the following day and was told that they could no longer communicate with me because of my representation at the hearing. The customer service representative informed me the only way they would communicate would be if I sent a letter stating that I don't have any type of legal representation signed and dated. I explaned that the lawyer only represented me at the hearing and he said that doesn't matter. As of today XX/XX/2018 they will not communicate with me and I have no status of loss mitigation.