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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019, I took a certification course by a company called XXXX. This certification was aimed to help advance my career. In 2019, I signed an agreement with XXXX  stating that if I met all requirements then they will waive the tuition fee ; this is also known as their " XXXX XXXX ''. 

After meeting and completing the requirements XXXX had set forth, they broke the promise and still said I owed them the tuition fee, which is about {$9300.00}. There were a lot of back and forth emails between XXXX and me regarding the tuition fee. They kept deflecting the argument and coming up with multiple excuses that I owe this money. 

XXXX XXXX, XXXX and University XXXX XXXX ( XXXX ) are two companies that Springboard uses to get anyone who signs up for the certification course to get a loan from them. I told XXXX and UAS that I dispute the loan and told them clearly over email that I do not owe this loan. My lawyer wrote them emails that I dispute this loan. 

Despite telling XXXX XXXX XXXX XXXX in written and verbal communication that I do not owe this loan and that I am disputing this loan, they ignored it and just kept twisting my arm that I must pay no questions. They are reporting it to the credit bureau, which I do not understand how that is fair. If I dispute a loan, then why am I required to keep paying when I do not owe this money. If I dispute a loan, then it goes on hold until a resolution is found. I find myself to be in a growingly difficult situation because they are reporting this to the credit reporting bureaus and tanking my credit score. I am currently in the process of finding a new home and having this on my credit report is making it difficult for me to get great mortgage approval rates. 

Can you help with my situation, please?
Product: Checking or savings account

I closed my safe deposit box on XX/XX/2023. Went into the branch, signed paperwork and gave them the two keys I had. They gave me a {$25.00} credit on my account for the keys. Annual renewal was XX/XX/2023. They gave me no paperwork and no receipt. I had to take off work to do this. 

On XX/XX/2023, Fifth Third charged my account for the safe deposit box for another year in the amount of {$86.00}. I called Fifth Third customer service, they could not help me, told me to call the branch. I called the Fifth Third branch, no answer and no voice mail to leave a message. This was XXXX XXXX today. 

I can not take off work again to go to the branch to ask about something that should have already been handled a month ago. Please ask them to refund the {$86.00} immediately. I am trying to close out all my accounts at Fifth Third, but they are making it impossible for me to do so.
Product: Mortgage

After filing for modification and the bank denying me and not producing the evidence to back up that I did qualify. I have filed another modification and submitted all documents and pay-stubs, etc. I also make more money than during the modification. My attorney filed the paperwork in XXXX and we still have not got a response from the bank regarding the new modification. Lets see what their reason for denial will be now.
Product: Credit card

I have been trying to resolve fraudulent charges on my Paypal account since the beginning of this year. I filed a police report for {$7500.00}. I am enclosing a copy. 
There was a credit on my account for XXXX and XX/XX/2023. ( balance XXXX ) In XXXX the credit was reversed showing a balance of {$6300.00} due. This has continued although I have spoken with them to tell them the charges are fraudulent. None of the charge locations which I have bought anything from. 
The current balance with interest charges and late fees is now {$12000.00}. Copy enclosed. 
Credit was refused because I have a Paypal card mailed to my house. 
I am a retired XXXX XXXX XXXX and do not have the money or should I have to pay the money for things I did not charge. 
Please help me get a credit in any way possible. 
Thank you. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Product: Credit card or prepaid card

Respected Sir /Madam, I bought a engagement ring from XXXX XXXX an year back, while buying the associate as usual was very keen selling the item. As the ring was expensive we asked for a finance option, and the associate gave us an assurity of 0 % no interest on the loan, and me and my to be other half decided to put some down payment and take the use of 0 % finance scheme. 
We came out happy from the store I went home and set up an auto payment option of XXXX $ per month to the finance scheme from XXXX XXXX ( through comenity bank ). 
Please see the details of the payments I have done till date. 

Down payment at purchase ( XX/XX/XXXX ) XXXX $ Monthly payment ( Every month since XX/XX/XXXX ) XXXX X XXXX month= XXXX Interest charged ( every month ) total XXXX $ Total amount I still owe XXXX XXXX day I just thought of opening my account and checking out how much I still owe and I figured out I am paying 14 % interest every month. 
When I called the customer service of comenity bank, they opened my dispute and sent me an reply that I have to pay. 
I bought this ring taking into consideration the deal of 0 % finance, the person working at XXXX XXXX did not even mention about 14 % interest I will be paying. 
Sir/mam, this is very hard earned money and it is very frustrating to see how these big companies try to do the shady things and extract money from normal people. 
Please help me out. 
I am ready to pay my remaining balance of XXXX and I should get my refund back for XXXX XXXX
Product: Payday loan, title loan, or personal loan

I can not link my PNC bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}
Product: Debt collection

Rent Recovery Solutions has unlawfully reported an alleged debt of {$1400.00} to my XXXX credit report without contacting me. 

I don't recall having a contractual relationship with this collection company, RENT RECOVERY SOLUTIONS, nor have I received any correspondence from them. Please consider this letter as my formal dispute of the alleged debt and a request for verification of its validity. Please provide proof that this alleged account belongs on my credit report and that my rights have not been infringed upon ; otherwise, please terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection. 


Furthermore, I kindly request that you provide me with proper documentation proving your legal authority to collect any alleged debt. I also request that you provide me with a written response within 30 days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights as per the Fair Debt Collection Practices Act ( FDCPA and all other applicable laws and regulations governing debt collection ). I appreciate your prompt attention to this matter and look forward to a swift resolution. 

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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. USDOEXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived at the following XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa XXXX Please remove the following I have disputed with transunion XXXX and XXXX and they update as accurate please remove.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act 's provisions regarding permissible purposes for furnishing credit reports, specifically as outlined in 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). 

XXXX  XX/XX/2024 XXXX  XX/XX/2024 XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XX/XX/2024 XXXX XXXX XXXX These inquiries were made without my knowledge or consent, and I do not recall authorizing these to access my credit report. Under the FCRA, consumer reporting agencies are not permitted to furnish personal credit information without a valid permissible purpose. I believe this inquiry was made without a permissible purpose and therefore request its removal from my credit report. 

Please investigate this matter within the statutory period of 30 days as required by the FCRA and confirm in writing to me that this inquiry has been removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at XXXX XXXX XXXX, I requested a domestic wire transfer of {$30000.00} from my Chase checking account to XXXX. Normally, it takes only a few hours to wire transfer. The Chase customer service representative reviewing my wire transfer stated that Chase is reviewing my wire transfer and it will take up to 1 to 2 business days. The Transaction number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my XXXX XXXX and Experian credit report is all fraudulent and are not my accounts : XXXX   XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The 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 my second complaint for Experian and XXXX. I tried to fix it within the credit bureau with no luck and no help from Experian or XXXX. XXXX XXXX DID fix it. 

As you can see by the attached report, Experian and XXXX  has me as having 3 late accounts. This has hurt my credit and shows up when it is pulled by a lender. Experian repeatedly just says a bankruptcy stays on your credit. This isn't about that, I under stand that. This is about Experian and XXXX saying that I have negative, lates from XXXX XXXX, XXXX, and XXXX. None of those accounts were late, those companies said that no late payments were every submitted. Yet, Experian and XXXX has my report showing late payments. All they did was to send out a dispute to those companies, rather than fix their internal error. They must be doing nothing more than assuming they were late, since, again those companies never reported late payments. Those were included in a chapter XXXX bankruptcy, however the loans with XXXX and XXXX XXXX were always paid, on time and outside of the bankruptcy and paid in full. I have the titles to both cars. XXXX was also included and received an agreed payment through the courts to settle the debt. No late payments were made to XXXX up to the day it went to receiving court payments. 

Finally, Experian sent me a report of their resolution, but none was made. Funny how they can say this is done, when I got a call from XXXX XXXX yesterday saying they were actually trying to help me. Also, experian included a credit report showing the accounts before and after they " updated '' them. The ONLY thing that they changed was that these 3 accounts, which were supposed to fall off my credit in XXXX, NOW fall off in XXXX. How can they extend how long these stay on the report, unless punishment for reporting their error to the CFPB. They did nothing more than make the situation worse. 


Isn't it some kind of fraud to put false information on a report? 

Attached you can clearly see where the Experian and XXXX report shows 3 false late 's.
Product: Debt or credit management

XXXX XXXX XX/XX/XXXX XX/XX/XXXX ***-**- XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

XXXX XXXX
Product: Debt collection

I have contacted XXXX to process an dispute few times on my behalf about in corrected in -formation reported in my credit report and always get they same result wish is reporting CO from XX/XX/XXXX thru XX/XX/XXXX and also is showing 30,60.90 days late in XX/XX/XXXX all this information is in-corrected. 
I filed bankruptcy chapter XXXX on XX/XX/XXXX
Product: Debt collection

They called left me a voicemail today XX/XX/XXXX I called them back but they were very nasty. I also stated can u please send me and email so I can understand whats happening. But no stated that they cant. This was the VM .. they stated they were from CREDITFRESH back in XXXX for XXXX This message is solely intended for ______ My name is XXXX XXXX XXXX I'm contacting you in regards to a claim number of XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do need to make you aware that once this claim is Officially filed it does become a matter of record There's an order of location issued out for you Since I'm unable to reach you by phone, I've been instructed to contact your employer and speak with you I just looks like it might be a possible place of your location ______, you do still have the right to contact the office handling your claim and the phone number provided to contact their office directly is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and you will need to provide your claim number of XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has redeemed notification by telephone and you will be located today unless I'm instructed
Product: Checking or savings account

Basically there was an unauthorized transaction with the company named XXXX. The transaction was on XXXX and Chime was informed of this issue and I even tried to get ahold of XXXX  over the phone for the amount of XXXX. Originally Chime issued the credit investigation stage and then they reversed with no proof of evidence or anything to support their decision. I even sent proof of me trying to get in contact with XXXX  and no answer back from them. This transaction isn't valid and fraud and the fdic should protect us from these type of transactions without real answers or support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address the ongoing issue regarding the inaccuracies present in the consumer report furnished by Westlake Financial on my behalf. The purpose of this letter is to formally request that all communications from your organization cease immediately, unless you are willing to compensate me for the violations committed. 

It has come to my attention that Westlake Financial has been reporting inaccurate information on my consumer report, which has had a detrimental effect on my financial well-being. These inaccuracies have caused significant financial losses and have hindered my ability to engage in various financial transactions. 

I hereby demand that Westlake Financial rectify the inaccuracies in the consumer report promptly. Furthermore, I insist that your organization ceases all communications with me, unless you are prepared to compensate me for the violations committed. This compensation should reflect the damages caused by the inaccuracies in the report and the subsequent negative impact on my livelihood. 

Please consider this letter as a formal notice to cease and desist all communications regarding the inaccurate consumer report. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your immediate attention to this matter and a prompt resolution. Please confirm your receipt of this letter within 10 days. Any future communication from Westlake Financial should be in writing and strictly limited to the resolution of this issue. 

Thank you for your understanding and cooperation.
Product: Credit reporting or other personal consumer reports

Due to an error on the part of the lender- my credit report is showing me as 60 days delinquent in the month of XX/XX/2023. However, the account has never been paid late. I contacted the lender and they provided an update to correct the information. 

I provided the documentation to Equifax- however they refused to update the information and correct the reporting.
Product: Credit reporting or other personal consumer reports

The following inquires were added to my credit report without my consent, please remove these unauthorized inquires from my credit report. 

XXXX added an inquiry from XXXX XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/23 ) XXXX added a inquiry from XXXX XXXX XXXX  XXXX XXXX XX/XX/23 ) XXXX added a inquiry from XXXXXXXX XXXX XXXXXXXX ( date XX/XX/23 ) Experian added a inquiry from XXXX XXXX XXXX XXXX XX/XX/23 XXXX Experian added a inquiry from XXXX XXXX  ( date XX/XX/23 XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX put a debt on my credit report that does not belong to me. 
The name matches my name however the address where the debt accrued from XXXX XXXX is not my address. I have lived at my current address for 15 years now. This debt was accrued in XXXX. I have been at my current residence since XXXX. I called this energy company and they used my SS number to look for an account and stated I dont have and have never had an account with them. I told XXXX this and they said I have to verify my residence. I did so by sending mortgage statements from XXXX and XXXX of XXXX  yet they still want remove the info from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit Bureaus are reporting a 30 day late for XXXX XXXX for the month of XXXX. XXXX XXXX has confirmed they never reported the account late.
Product: Debt collection

Target Card Services has reported XX/XX/2022 that I was late {$28.00}. However, I was not notified either by telephone or email that a payment had been missed; resulting in a 30 day late Negative Item on my credit report. I called, wrote and disputed the Negative Item and have since paid the account in full. As a long time cardholder, I have diligently paid this account by or before the payment due date. Your assistance with my dispute is greatly appreciated.
Product: Mortgage

On XX/XX/XXXX I called to obtain written information about how to assume my loan. I'm a presumed successor in interest with the bank, Wells Fargo. I was transferred multiple times. I spoke with a representative who said my loan was no longer assumable because we did a XXXX modification on it and extended the term. She said that 40 year loans are never assumable.
Product: Mortgage

I called to initiate a recast of my mortgage through principal curtailment. They said they would send instruction through the mail. The letter showed up 11 days later without providing the physical address of where to wire the funds. I called them back as noting the physical address is a legal requirement of wires and they said they were not able to provide that information. They are purposefully blocking me from recasting my mortgage with them. It is also unclear if I have to wire the funds by XX/XX/24 or if all the notarized paperwork has to be sent in by XX/XX/24 for this recast to take effect before the next due date of XX/XX/24.