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

To Whom It May Concern : I am writing to file a formal complaint against Experian for failing to properly reinvestigate and remove two inaccurate late payments from my credit report, in violation of federal law. 

I disputed these late payments on my XXXX account with account numbers XXXX and XXXX because they are incorrect and negatively affect my credit score. Under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4 ) ( 0 ) ), Experian is required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information on their credit report. 

Despite my request, Experian has failed to correct these errors after the reinvestigation process. This is a clear violation of the aforementioned laws, which mandate that credit reporting agencies must ensure the accuracy and completeness of consumer information. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to ensure that Experian fulfills its legal obligations. I ask that they reinvestigate my dispute thoroughly and remove the inaccurate late payments from my credit report. I would also like to request a copy of the reinvestigation report and the procedures followed by Experian during this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to XXXX stating my identity had been compromised. I notated the account that needed to be addressed. Wells Fargo Acct. XXXX. XXXX  stated the account would remain on my credit with explanation responded with validation. XXXX violated sections 605, 609, and 611 of  the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. XXXX has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted Wells fargo and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report.
Product: Mortgage

I had reached out to XXXX XXXX XXXX prior to falling behind on my mortgage payment intending to get ahead of the issue. I had clearly stated to them my circumstances and the expected duration. I was given a XXXX trial payment plan to begin. Once the 3 months were completed the servicer immediately went into a short sale. I had rejected this plan since I do want to maintain my residence. The second option was to immediately increase my mortgage beyond the initial amount in an attempt to recuperate the missed payments, I had to also rejected this since I was still in the same situation. The third option was to maintain the mortgage payment at the initial amount but to increase the interest rate and the duration of the loan from XXXX, to 40 years. I had to reject this this plan also. I was asking for mortgage assistance, and it did not seem that they were willing to work with me on this. Every plan was to immediately recuperate the missed payments instead of actually exploring options. I was denied all assistance including XXXX citing " not 6 months from prior mortgage modification '', " the borrower did not confirm they have a reliable source of income '' when this was not true. I never had a prior mortgage modification, I do have a stable source of income, and I was ready to work with them to make onetime payments again. After speaking with a VA loan rep they were also at a loss of words as to why this servicer seems to not want to work with me. My initial information also seemed to be miss interpreted from the beginning and used throughout the whole process. Even after I had clarified to them the proper information and informed them of my improving circumstances. I still wish to remain in my current residence, but this servicer has made it rather hard to work with and at no point have they made it easier to repay. Judging by other veteran 's experience expressed through yelp and other social media platforms they do not seem to be veteran friendly.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
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 XXXXXX/XX/XXXX I have no knowledge of these Inquires
Product: Credit reporting

I am filing this complain because Equifax has ignored my request to provide me with the docs that their company has on file that was used to verify the accounts I disputed. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly DELETE all info that ca n't be verified. Please fix this matter
Product: Credit card or prepaid card

TD Bank Card Services has not reversed the XX/XX/2020 {$65.00} XXXX XXXX charge that has been disputed for more than one month. That charge has not been reversed and is included in my current balance due after logging in to their website. Each time I call or sent secure email they deflect my XX/XX/XXXX dispute to 2 later charges XXXX charges that were reversed and NOT AT ISSUE! 

Also, my TD Bank Visa card was closed in XX/XX/2020 due to suspected fraud and I was locked out of on line access ( shoot the victim? ). I was told NO NEW CHARGES WOULD POST TO THAT CLOSED CARD. Yet on XX/XX/2020 a {$8.00} charge was posted to my current TD Bank card using the closed card number! If the closed card could accept new charges then why was it closed and another card mailed to me? This is highly irregular and against TD Banks terms and conditions when a credit card account is closed TD Bank has also blocked me from sending secure messages and a Disputes department supervisor named XXXX x XXXX hung up on me when we spoke earlier this week. Previously I spoke to XXXX in Disputes department located in GA case number : XXXX. He promised that the charge would be reversed after listening to the voice-mails of XXXX XXXX which is not contesting any disputed charges.
Product: Debt collection

I have tried numerous times to inform this company that the debt they are attempting to collect does not belong to me due to being a victim of identity theft from a very close relative who once lived with me. The company has been completely resistant to removing the accounts from my credit report, despite the account being outside of the statute of limitations for enforcing the unauthorized contract. Their resistance has cost me a great deal of money and I can no longer afford to wait for them to do the right thing. I have filed a civil complaint against the company to recover a small portion of the financial damages caused by the company 's willful negligence. I have submitted affidavits of identity theft, complained to the credit bureaus, complained to the CFPB, complained to the FTC, with no avail. I am willing to drop the civil case if this unauthorized account is removed from my credit reports prior to XX/XX/2018. I have a pending acquisition that I must secure funding for prior to XX/XX/2018 and I need time after the entry has been removed to do so. If we can not come to some form of agreement I will just take the {$10000.00} award I am most certain I will obtain after the hearing on XX/XX/2018.
Product: Credit card

Capital One has again contacted our Landlord trying to collect a debt. We have already filled a complaint and they said that they would no longer be doing this, and yet it has happened again.
Product: Student loan

Currently my loans are being held by ACS Education Services. I have been in their IBR program since XXXX XXXX. I was divorced 2 years ago, married and filing separately with XXXX individuals living in the household ). Over the last 2 years, with some modest raises, my payments to ACS have DOUBLED and the payments are now becoming unsustainable. Before the ACS IBR payment increase this year I submitted paperwork to get my student loans removed from ACS to turned over to Federal Student Aid under the REPAYE program. ACS has assured me multiple times that all of my paperwork has been completed correctly, however it 's been over 4-1/2 months and they continue to tell me that they are " processing '' my request, while I am making an unsustainable monthly payments. I call them every two weeks to check on progress. I have been told that they have " expedited '' my request ( nothing happened ), and then called again in tears one month ago and asked if I needed to contact an attorney to get help with this matter. They immediately transferred me to a " supervisor '' who " opened an issue '' with my account and said she would personally and physically monitor my account each day. I called yesterday, after 3 weeks of not hearing anything, and was told curtly that my request is " still processing. '' I fear that nothing will happen and I am struggling to pay loans, take care of my child, pay my mortgage and condo fees. My credit score is dropping because I 've been using my credit card to make up some of the difference. I 'm scared and ACS ( owned by XXXX XXXX ) appears not to care how desperately I am trying to remain in good standing and repay my debt, but under a different program, the REPAYE plan that President XXXX established in XXXX. ACS says they do not " honor '' the PAYE and REPAYE programs which calculate payments that are 10 % of XXXX 's discretionary income vs. 15 % for the IBR plan. 

I have a great job by almost anyone 's standards, I managed to purchase a small condo this past year ( and pay less in a mortgage than I did in rent ), and I am taking care of a young child. But I am on the edge of failure because I am stuck in a precarious financial position. 

FYI, My loans are connected with education at XXXX and XXXX. My only complaint with the institutions are that they let an art student who had no parental support, access such large amounts of loans. I do n't think it 's their fault I borrowed an incredibly unrealistic amount of money for my education, but I 'm not sure they cared in the XXXX and XXXX how someone was going to pay back the loans. Thank you for your consideration.
Product: Money transfer, virtual currency, or money service

I was involved in a scam situation where a person had me cash app to buy XXXX  for months from XX/XX/year> I have tried to contact cash app nothing resolved and contacted my bank since it was authorized it got denied I filed a police report with XXXX XXXX and also reported to irs for my taxes. I lost XXXX from XXXX  and there is no way to contact them as well
Product: Debt collection

I placed fraud alerts on my credit reports and ask for investigation to be done and to no avail the account came back as valid my complaint is to have the companies that are reporting on me to really investigate the accounts or remove them immediately.
Product: Debt collection

Sunrise XXXX XXXXXXXX has put an account in collection on my credit report for the amount of XXXX for XXXX XXXX XXXX. I never held any type of account with them. I didnt recieve any type of bill for this debt and was not given to opportunity to dispute this transaction. I have submitted a dispute with all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$170000.00} - Late/Open XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX $ - Late/closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$6600.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$46000.00} XXXX Chargeoff XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5000.00} - Collection
Product: Credit reporting or other personal consumer reports

Bureaus are not investigating correctly and keeps getting verified account that is not mine
Product: Credit reporting or other personal consumer reports

a complaint and certified letter was sent to experian and I have not received the results via mail. I HAVE NO BANKRUPTCY AND NO INQUIRIES. YOU MUST REMOVE THIS IMMEDIATELY un-authorized inquiries 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 DEBT INCLUDED IN OR DISCHARGED THROUGH XXXX XXXX XXXX XXXX, or XXXX XXXX through XXXX XXXX XXXX
Product: Debt collection

Armada Corp of Nevada is attempting to collection on a 3 years old debt. This debt ( {$770.00} ) has been paid, in full, to the Creditor ( XXXX XXXX XXXX ). Armada filed suit for the debt ( plus court costs and fees ). Armada needs to retract their Small Claims Complaint with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been XXXX by XXXX XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX CREDIT BUREAUS. SEE ATTACHED LETTER FROM XXXX DEPARTMENT OF EDUCATION AS XXXX!! XXXX EXPERIAN AND XXXX SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.
Product: Mortgage

I HAVE APPLIED FOR A MODIFICATION AND SUBMITTED ALL DOCUMENTS THAT WERE BEING REQUESTED BY MY SERVICER PNC BANK. I WAS INFORMED BY PNC BANK THAT MY FILE WAS DEEMED COMPLETE WITH ALL REQUIRED DOCUMENTS ON XXXX/XXXX/17 WHICH IT WENT TO THE UNDERWRITING DEPARTMENT ON THAT DAY WHICH THEN I WAS TOLD THAT THE UNDERWRITING DEPARTMENT TAKES UP TO 30 DAYS FOR A DECISION. I HAVE BEEN CALLING ON A WEEKLY BASIS TO SEE IF THEN NEED ANY UPDATED DOCUMENTS DURING THAT TIME AND TO SEE IF A DECISION HAS BEEN RENDERED, ALL I GET TOLD WHEN I ASK WHY IT IS TAKING SO LONG IS ATTITUDE FROM ALL REPRESENTATIVES AS IF I AM BOTHER THEM AND THAT THEY ARE WAITING ON MY INVESTOR TO RESPOND IN REGARDS TO THE MODIFICATION REQUEST. MY LAST CALL TO THEM ON XXXX/XXXX/17 I WAS INFORMED THAT MY REVIEW HAS BEEN CLOSED OUT ON XXXX/XXXX/17 DUE TO THE INVESTOR OF MY LOAN DID NOT RESPOND TO PNC BANK REQUEST AND IT WAS TAKING TO LONG SO THEY ARE JUST GOING TO CLOSE OUT THE FILE. THIS IS ABSURD!!! HOW IS IT MY FAULT THAT THE SERVICER AND MY INVESTOR DOESNT KNOW HOW TO COMMUNICATE? 

I NEED HELP TO SAVE MY HOME AND IT CANT BE LEGAL FOR ME TO BE HELD RESPONSIBLE FOR THE INVESTOR AND SERVICER NOT COMMUNICATING!!
Product: Mortgage

For the 2nd year in a row, money was taken from my escrow account and paid for a hazard insurance policy for another account. Apparently my insurance carrier inadvertently sent them a bill for another property I own. Last week I received a letter from Platinum Home Mortgage stating they had paid premiums for both my prior ( there was no prior ) and new insurance companies ; and that now my escrow account could ( would ) be short ; and my payment might ( will ) increase. I called them and asked why they paid a bill which clearly showed it was for another property. They told me I was my responsibility to contact my insurance company and see why they sent them 2 bills, and that I now need to send them more money or have my payment increased.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I sent in my fraud affidavit to XXXX, XXXX, and Transunion informing them that I have been the victim of identity theft and the accounts that I listed in my affidavit wasn't mine and I never open the accounts. They sent a letter back stating they did a reasonable investigation, and I didn't believe that to be true that why I'm escalating the request to get a more thorough investigation.
Product: Credit card or prepaid card

On XX/XX/2021 Capital One posted a charge of {$190.00} on my account. I have disputed the charge and explained to Capital One that the merchant made a mistake, and a bottle of wine that I bought was only {$19.00}, not {$190.00}. Capital One denied the chargeback request and made the summary determination that no error had occurred, without conducting any investigation or reasonably considering other evidence in its own records, including my spending habits in over 20 years of history with Capital One. Capital One also did not request additional documentation from merchant, such as itemized receipt showing the name of the item that merchant claims I purchased, or inquiring if the merchant has a single bottle of wine in his store that costs {$190.00}. 
Capital One refused to further investigate the matter.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CREDIT COLLECTION SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Vehicle loan or lease

For quite some time now, I've been entangled in an ongoing dispute with JPMCB Auto. Their contact information is as follows : XXXX XXXX XXXX, XXXX XXXX, TX XXXX. They have been providing erroneous information to the credit bureau, which has had a detrimental impact on my credit standing for years. The account in question should have been closed and fully paid off, and there should be no reporting of any monthly payment. However, they persistently report a monthly payment of {$6100.00}, significantly damaging the Debt-to-Income ratio on my credit file.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX  late payment : XXXXXXXX XXXX XXXX XXXX  inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX Personal Information : Name : XXXX XXXX Former : XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX Former : XXXX XXXX Also Known XXXX XXXX XXXX XXXX Also Known XXXX XXXX XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXXXXXX XXXX  Employers : XXXX  XXXX XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX  XXXX XXXX  Employers : XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

Im XX/XX/22 I was contacted by XXXX XXXX of Contract Resolve Group, LLC. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Ph : XXXX ext. XXXX Fax : XXXX XXXX saying that he was representing XXXX in resolving a payment he thought I I owed. Ive asked him numerous of times not to call my workplace. Not only did he keep calling harassing me but he manage to reach out to my family members. He has threatened me, my staff and my family members.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account number 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00}