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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Inaccurate Charge-Off on Credit Report SSN XXXX Dear Experian, I am writing to formally dispute an inaccurate item on my credit report, specifically a charge-off listed under [ XXXX ]. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure the accuracy of the information you report and to conduct a reasonable investigation when a consumer disputes an item. I am exercising my rights under this law to demand that you investigate and remove this erroneous charge-off from my report. 
The charge-off in question is inaccurate because NOT my account, fraud. Ive enclosed copies of [ list supporting documents, e.g., payment receipts, account statements, identity theft affidavit ] to substantiate my claim. Federal law mandates that you investigate this matter within 30 days and either correct or delete the item if it can not be verified as accurate. 

Your track record gives me little confidence that this will be handled properly without scrutiny. The Consumer Financial Protection Bureau ( CFPB ) has taken significant action against the major credit bureausEquifax, XXXX, and Experianfor failing consumers just like me. For instance, in XX/XX/XXXX, the CFPB fined XXXX {$15.00} XXXX for botching investigations into disputed items, allowing deleted inaccuracies to creep back onto reports, and even using faulty software that messed up credit scores. Earlier that month, they sued Experian for running what they called sham investigations, ignoring consumer evidence and letting errors persist. XXXX hasnt escaped, with the CFPB noting in a XXXX report that all three of you routinely top the list of consumer complaints for mishandling disputes. And thats just the tip of the iceberg. Studies and lawsuits over the yearslike the massive XXXX XXXX data breach settlement or the CFPBs XXXX fines against XXXX and XXXX for deceiving consumers about credit scoresshow a pattern of negligence. Youve been sued repeatedly for failing to fix errors, costing people jobs, loans, and peace of mind. Im not here to be another statisticI expect you to follow the law this time.

Heres what Im demanding : Conduct a thorough investigation of the charge-off from XXXX, as required by 15 U.S.C. 1681i.

Remove the item from my report if you cant verify its accuracy with solid evidencenot just some creditors say-so. 
Send me written confirmation of the results, including a corrected copy of my credit report, at no charge to me, per 15 U.S.C. 1681j.

Provide the names and addresses of anyone you contact during this investigation, so I can follow up if needed.

If you fail to resolve this properly, I wont hesitate to file a complaint with the CFPB or pursue further action. Youve got 30 days from receiving this letterdont test my patience. Ive sent this via certified mail, so Ill know when it lands on your desk. 


Sincerely, XXXX XXXX
Product: Mortgage

I received a mortgage with Alliant Credit Union in XXXX, and set up automatic payments at that time. My payments were automatically deducted from my checking account on the XXXX and XXXX of the month. After almost 4 years, beginning on XX/XX/XXXX, Alliant began returning my payments, long after the payments had been pulled from my account. They debited my checking account on time every month, and then returned the following payments at a later date listed below ; XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$1100.00}, and XX/XX/XXXX for {$2200.00}, XX/XX/XXXX for {$2200.00}. 

In XX/XX/XXXX, in order to resolve past due payments caused by Alliant returning my payments incorrectly, I pulled {$15000.00} from savings and paid down on the mortgage to clean up their errors. While this prevented any foreclosure action, Alliant reported my mortgage as past due multiple times. I have filed a dispute, but there are still issues outstanding on my credit, lowering my score significantly. 

The attached file shows the debits where payments were pulled from my checking account, and the credits when they returned the money.
Product: Credit card or prepaid card

On XXXX XXXX of this year, I used Capital Ones Travel Portal to book a harbor-view hotel room with king bed for my husbands birthday. I have been saving for months to be able to afford a nicer room for this trip to an expensive location. I booked the room through the travel portal, for the XXXX XXXX. I was confirmed for a room with a king bed and a harbor view. I paid a higher rate ( {$850.00} before fees and taxes ) for two nights in a harbor-view room with king bed. Come today, XXXX XXXX, when I check in, Im given a room that looks out onto the hallway. The people waiting for the elevator can see into my room. When I asked the front desk about this, they told me my reservation did not specify a view of any kind, and they gave me a room that aligned with the third-party rate I had bookedaccording to them, under $ XXXX. I told them I paid almost $ XXXX after taxes, so the rate they see does not match what I paid. They did not have any available rooms that matched the description of the one I booked, so I am currently paying a premium to stay in a room that costs almost {$200.00} less a night. I called Capital One XXXX to rectify the situation and they were completely unhelpful. They insisted they had to call the hotels front desk to confirmI said go ahead, I am standing in the lobby and can wait. I waited for more than XXXX minutes, and the phone didnt ring at the front desk. I spoke with the front desk and told them to expect the call from Capital One. It never came. Then I was taken off of hold, and Capital One told me they were still waiting to hear from XXXX to confirm. They told me they would call me back. That was XXXX hours ago. Before getting off the phone, I asked if they could email me a confirmation that I had called and lodged a complaintall I am asking for is to be made whole here. I paid for a water view room with king bed, and thats not available. So I should only have to pay for the room that I am staying in. Its unethical for this credit card company to advertise this room, and claim they are booking this room for me at the premium rate, to then be placed just anywhere in the hotel, not what I paid for, at a steep price. Its the literal definition of a bait and switch.
Product: Debt collection

A debt was added to my credit report, that I was unaware of in the amount of {$620.00} acct # XXXX ( Client account # XXXX ) This is hurting my credit negatively and I need this removed as soon as possible and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX
Product: Debt collection

This isn't my account. This account does not belong to me. I never entered into any agreement with this account. This is a forged document! This account did not even provide any documents proving ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these inquiries on XX/XX/XXXX due to identity theft/fraud that Im currently dealing with but the dispute results came back saying they will not remove it. I have made a police report and have an ongoing investigation and we actually know whos doing this to me because she put her cell phone number down for a XXXX  XXXX inquiry. 


My case # is XXXX with the XXXX Police Department XXXX XXXX I would like these inquires be removed from my credit report because it is identity theft/fraud. 

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

*Account XXXX XXXX XXXX XXXX i submitted a complaint regarding this issue before XXXX was able to investigate and removed the information because it was incorrect/inaccurate unverifiable information reported to my report. Also the account is showing a balance in XXXX and XXXX which if it is a charge off or collection there shouldn't be a balance so I am not sure where they are verifying this information.. I am requesting that this inaccurate account and information be deleted off my report immediately. I disputed with XXXX they send me investigation results on another total different account. I disputed with Experian it came back verified which i contacted the creditor ( XXXX ) and they specifically said they have no record of my information in their system to contact the bureaus. I'm not sure how XXXX was able to rectify the issue but XXXX and Experian are not doing their investigation properly and sending this back with a total different account dispute information. When I call the bureau they are telling me they don't have a copy of my complaints when I know it was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XX/XX/XXXX  I filed a complaint with Equifax and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.
2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :  XXXX  6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}
Product: Payday loan, title loan, or personal loan

On XXXX XXXX of XXXX I took out a {$800.00} loan from XXXX. In the past I have always paid these loans pack in 1-2 payments, so I never understood how the long-term payoff process went. I started making payments of roughly {$140.00} every other week and had been paying this for all of XXXX, XXXX and into XXXX. On XXXX XXXX I e-mailed XXXX after realizing the principle balance on the loan had not gone down. After doing research I found out that XXXX is not licensed and does not have to abide by state/federal interest guidelines, and that the interest on my loan was at least 400 %, if not more. They claim to be licensed by their tribe in North Dakota. I asked to be able to pay off the remaining balance of the loan principle ( {$93.00} ). They refused. I have requested this multiple times since XXXX, they still refuse. They have blocked my account online so the only information I get about the status of my loan is from one loan officer named XXXX XXXX He is now refusing to answer my e-mails regarding the situation and stated he will not e-mail me further regarding a resolution. Any report to my credit or other agencies will be disputed under the fact that tribal law and regulation is " being upheld '' off of tribal land through manipulation, etc.
Product: Credit reporting or other personal consumer reports

I am unable to access my Experian account. I don't receive a text after one is sent that would allow me to reset password. The site doesn't seem to recognize my SSN or other contact info. I was able to ask for a temporary unfreezing of my credit report and was told it was already unfrozen, which it should not have been. I'm concerned that someone may have accessed my Experian account and changed my info. I've tried several numbers to reach support but haven't had any success.
Product: Credit card or prepaid card

On XX/XX/2021, my identify was stolen and several fraudulent accounts were opened with my social security number at the local mall. I was alerted to a XXXX credit applications by my credit monitoring company, and then subsequently learned of XXXX, XXXX XXXX, and XXXX XXXX. I was not alerted to the XXXX XXXX  account, held by Comenity, until I received the statement in the mail. I received the statement on XX/XX/2021 indicating a charge of {$3800.00} on XX/XX/2021. I immediately called the fraud line, talked with XXXX, ID XXXX who initated the fraud alert. Case # XXXX  XXXX. 

I filed a fraud report with the 3 credit reporting agencies and have had a credit freeze with all 3 credit reporting agencies since XX/XX/2021. 

I filed a police report for the XXXX XXXX charge as well. I called for a status update on XX/XX/2021 and was told the investigation was ongoing. I verified my credit XX/XX/XXXX to find the charge to have been removed. 

Dated XX/XX/2021, I received a letter from the Account Protection Team deeming my fraud dispute wrong, and reinstating the balance and payment dates. This is wholly inaccurate and I will continue to pursue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not able to modify my previously complaint so In order to submit new documentation received in the mail, I had to resubmit a whole new complaint. I've been trying to get XXXX XXXX XXXX to remove their account off my credit report and have disputed with XXXX  several times since XXXX of this year ( 2019 ), but I may need to dispute with XXXX directly. XXXX sold my account to a collections agency ( Forster Garbus ) and the collections agency had taken me to court in  which I won the case. Since I won the case, this credit card/Collections agency should be removed off my account. It is still reporting as late payments which is having a tremendous effect on my score. Of course, Forster Garbus submitted the wrong index number on all their documents to mislead me, but upon filing my information with the court they were able to locate the case and I was mailed proof of dismissal of the case. I've sent this documentation to XXXX  weeks ago and it's still on my report. Forster and Garbus were kind enough to send me a letter of dismissal as well, but NO ONE wants to remove this from my credit report.
Product: Debt collection

A credit card was fraudulently opened in my name in XX/XX/XXXX with Synchrony Bank. I did not notice the account on my credit report until the account was in default with a balance of approximately {$5000.00} in charges and fees. In XXXX XXXX or XX/XX/XXXX, I contacted the bank and they quickly acknowledged that the account was fraudulent and stopped reporting the account to the credit bureaus under my name/ssn in XX/XX/XXXX. 

In XXXX of XXXX, XXXX XXXX XXXX ( XXXX ) acquired the debt. At some point in the fall of XXXX, I received correspondence from XXXX regarding this debt. I emailed the contact on the letter, informing them that the debt was not mine and was a case of identity theft. When I continued to receive correspondence from XXXX, in XX/XX/XXXX I sent them a letter via US mail stating clearly that the debt was not mine. 

On XX/XX/XXXX, in response to my letter, XXXX sent me a collection of statements for the account that show my name as the account holder, but which list an address in another state from the one in which I live and is for a property that I had previously owned but had not lived in for more that 8 years and had sold 7 years prior to the fraudulent account being opened. Included in that correspondence from XXXX was a blank affidavit of fraud that XXXX asked that I complete and return, should the account be fraudulent. I completed and signed the affidavit and emailed it back to them on XX/XX/XXXX. I received no response for the email I sent with the affidavit. 

Despite the fact that I have clearly communicated to XXXX both via mail and email that the debt was opened fraudulently in my name, to include providing them with a signed affidavit stating such, on XX/XX/XXXX I received another letter from XXXX in which they are now threatening legal action to collect he debt. 

Contact information that I have on the debt collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Mortgage

Veterans United pre-approved me for a VA home loan. One of the stipulations for final approval was that I sell the house that I owned at the time of pre-approval, " Verify sale of real estate owned ''. I sold my home and went pending on a home purchase. During underwriting, Veterans United started asking questions concerning my employment, that my company is not allowed to answer, per company policy. The main issue was reported to be that my company would not provide written reassurance that I would continue to be an employee for at least the next 12 months. I spoke to my company HR to ask them to provide the required information. My HR informed me that it was against company policy to speculate how long into the future an employee would remained employed. My company verified that I was a current, full time employee. This issue was never brought up during the pre-approval process. As a result, I sold my home and now do not have a home for myself, my wife, or our children. I have also lost a significant amount of money in attempting to get the home that Veterans United issued a pre-approval for, and then denied without proper cause.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX On XX/XX/XXXX I called credit acceptance corporation ( CAC ) whom my car loan is financed. I informed them I was paying the car on XX/XX/XXXX as I had an emergency expense come up. I was forced at that time to pay {$100.00} as a good faith payment. On XX/XX/XXXX I paid the remaining XXXX which was less than 30 days. CAC REPORTED ME MORE 30 days late on my car payment that month lowering it school and making me ineligible for a mortgage. 

I called the company on XX/XX/XXXX to alert them of this issue and I was told they had mail me a dispute form. This form never arrived to my current mailing address. 

I respectfully request CAC immediately correct their error as Ive been damaged by their reporting misinformation.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Former : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$19000.00} XXXX XXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX  Inquiry {$0.00} XXXX XXXX Inquiry {$0.00}
Product: Debt collection

On or about XX/XX/XXXX I submitted a request to verify that I owed LVNV Funding LLLC for debt I. The company never responded in timely manner as required under FAIR DEBT COLLECTION PRACTICES ACT USC 1692 G Sec 809 ( 8 ) ( see attached letter from LVNV response noted XX/XX/XXXX ( four months ) after my request and four months after legal timeframe allowed But instead has used several different companies to delay their response to my request. Thus using several different companies as false means not honor and provide me legal verification to debt they state I owed them. I took the necessary legal steps to request signed documentation of me owing LVNV as noted CERITIFED LETTER TO LVNV/RETURN RECEIPT through US MAIL see attached receipt signed by the company itself and their affiliates honor my legal request for proper validation of this debt. But instead LVNV reported this erroneous information to all ( 3 ) credit bureaus injury me financially and personally