23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chase reached out to my wife asking for information on XXXX wires we completed. Although the information was provided timely to Chase representatives, Chase froze my account without a warning. I called the bank and had the freeze lifted, but meanwhile XXXX credit card payments were declined and XXXX checks bounced. I experienced XXXX in return payment fees because of Chase error. When I called the bank and asked to reimbursed for the out-of-pocket expense because of Chase error, was told by members of their compliance department that Chase would not reimburse the costs, even though it was their error.
Product: Money transfers

I tried to send {$2900.00} to my cousin brother through https : //www.xoom.comXXXX on XXXX XXXX 2015. 
According to the advertisement the money should be deposited instantly, so far they are saying the company is working on getting some status update from their partner. I am not receiving proper status update from them. I would like the money to be deposited in cousin 's account or refunded back to me ASAP.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : Experian 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2017 my credit was reflecting this item was removed from my credit report. It has recently been added again after being removed.
Product: Debt collection

Company contacted me several occasions in XX/XX/year>, two months after they placed this collection on my credit as well as needed my address in order to send me a copy of original binding contract I requested. I asked them to remove it cause it didnt meet the requirements of FCRA 15 USC 1681 and collection company updated remarks Account information disputed by consumer, meets FCRA requirements. Clark county collection representatives harassed me by telephone company is reporting inaccurate data since XX/XX/year>.
Product: Mortgage

Negotiator advised several weeks ago that the variance on the value was still pending. After multiple attempts to contact the negotiator, we have not received any communications back. We have even reached out to HUD ourselves but still have no response to the status of the file and what is causing the delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was the victim of identity theft. i got an alert from experian that someone used my ssn to open up a bank account with a bank. regional finance and national finance companies ran my credit without my authorization. for all i know there could be new accounts with them on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report. Thank you. 
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: Debt collection

After looking/pulling my credit reports on XX/XX/XXXX, I discovered that a company called STELLAR RECOVERY INC placed a collection notice on my XXXX, XXXX, and XXXX for an account with a cable or cellular company ( Not indicated on credit bureaus ) for {$58.00}. I have not received any written notice or communication from this company and have no idea why they are trying to collect this amount from me. I have not ever heard of this company and they are ruining my credit profile. I was not made aware of the debt before it was reported to the credit bureaus. I am XXXX individual. I do not have cable service or use a commercial cellular telephone service. On my credit reports, they are listed as the original creditor, with the date of delinquency of XX/XX/XXXX. As clearly this is not my account, it needs to be deleted immediately from each of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX : {$270.00}, XXXX XXXX Balance : {$190.00}, XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00}, XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00}
Product: Credit reporting or other personal consumer reports

Formal Dispute Regarding Late Payment Verification [ XX/XX/XXXX ] Experian XXXX XXXX Dear Sir/Madam , CFO ECT I am writing to formally dispute the accuracy of the late payment entry on my credit report, which has been verified by your bureau. The late payment in question appears on [ XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ] and is associated with the account [ XXXX XXXX XXXX Account # XXXX ]. Despite my previous attempts to dispute this entry, it has been reaffirmed by your investigation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request detailed information regarding the method used to validate and verify the accuracy of this late payment. Specifically, I would like to receive : 1. Documentation illustrating the process followed to validate the accuracy of the reported late payment. 
2. Any correspondence exchanged with the creditor regarding the validation of this late payment. 
3. Any evidence provided by the creditor to substantiate the claim of the late payment. 
4. Details of the individual ( s ) responsible for conducting the investigation and verifying the accuracy of the late payment. 

I emphasize the importance of transparency and adherence to regulatory standards in resolving this matter. As a consumer, it is my right to receive comprehensive information regarding the validation process conducted by your bureau. 

I urge you to conduct a thorough review of this dispute and provide the requested information within the time frame stipulated by the FCRA. FAILURE to provide sufficient evidence to validate the accuracy of the late payment may result in the REMOVAL of this entry from my credit report. 

Please consider this letter as a formal request for investigation and provide a written response within 30 days, as required by the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation in resolving this dispute. I look forward to receiving the requested documentation and a favorable resolution to this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have never been in contract with XXXX XXXX XXXX they are POSING & reporting late payments under false alias Regional Acceptance it is illegal for them to continue to claim or falsify information or threaten me I will be taking legal action if the harassment continues REMOVE ALL LATE PAYMENTS ON CREDIT REPORT
Product: Credit card or prepaid card

I received a decrease in my credit card limit with out Notice after I had a complaint about this company on XX/XX/2022 They Decrease My Limit All the way down to XXXX dollars and I don't understand
Product: Credit reporting or other personal consumer reports

Bring to your attention Account XXXX ( XXXX ) reporting Installment I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Product: Credit card

On XX/XX/XXXX I called Capital One and expressed to them that I was unemployed and was having a hard time paying the bill. The representative who had broken English said I was 22 days past due 22 so then I asked her if she had any programs and the only program that she offered was a delay in payment but that was not going to help my credit report in. If it went over 30 it would still be reported as late. I said well that's not going to help me but that's all she had so I told her that's not going to work. A few days later I did make a payment but she told me I was 22 days past too but yet they reportedly as 30 days late even though they told me I wasn't going to be. I had 8 days but she told me the wrong information yet again they need to stop doing this. This is hurting consumers like me. Why do they tell the wrong information? I should not be reported late as I work very hard to keep building my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$41000.00} Balance updated XXXX XXXX, XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Family Support Status Collection account. {$41000.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Past due amount {$41000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Contact info Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several medical bills showing on my credit report and I turned in my Medicaid Card number to all companies. It's still showing on my report. Can you help? Thank You XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit agencies regarding some hard inquiries on my credit report that I do not recognize. I am requesting for each inquiry below to be deleted. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you reverify each of these items, and that the inaccurate items be removed from my record. 

XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXXk ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Loancare/XX/XX/XXXX Forebearance Date : XX/XX/XXXX Loss of Income due to COVID-19 Job Layoff XX/XX/XXXX : Requested Modification due to XXXX becoming employed XX/XX/XXXX : Submitted additional documents per Loancare request XX/XX/XXXX : Submitted additional documents per Loancare request XX/XX/XXXX : XXXX Laid Off again XXXX but continue to work with bank on Modification. 
XX/XX/XXXX : Received Loan Payment Statements, sent email requesting them to contact us because of Forebearance and Agreement not finalized XX/XX/XXXX : Additional documents (XX/XX/XXXX ) All documents signed/notarized/XX/XX/XXXX package to Loancare XX/XX/XXXX : Agreement for Modification completed and sent to Loancare/XX/XX/XXXX with their XX/XX/XXXXaccount provided with all documents for signature XX/XX/XXXX : Received email stating all documents have been received XX/XX/XXXX : MODIFICATION AGREEMENT ON RECORD WITH REGISTRY OF DEEDS XXXX XXXX Pg XXXX recorded XX/XX/XXXXXX/XX/XXXX Case # XXXX. 
Attempted to make a payment, payment was returned for NSF due to extensive payment processing from Loancare/XX/XX/XXXX 
Mon, XX/XX/XXXX XXXX XX/XX/XXXX Received EMAIL from Loss Mitigation requesting additional documents for Modification ( why when modification agreement was on record with Reg of Deeds? ) Numerous calls to the LoancareXX/XX/XXXX different representatives telling us that we were not under Agreement for Modification?!? It's on Record with R.O.D. Agreement includes Penalty Fees, Late Fees and all other fees that the Federal Government said would/should not be charged to the Consumer. 
XX/XX/XXXX @ XXXXXX/XX/XXXX : Contacted the bank spoke to XXXX was put on hold for XXXX minutes, and was disconnected. Sent XX/XX/XXXX as requested via EMail. Received by USPS request from Loancare to provide additional documents. 
Early XX/XX/XXXX, received a call from an Attorney stating they were handed my file by LoancareXXXX stating XXXX The Bank sent our Mortgage documents to them to assist with Modification '' Called Loancare/XX/XX/XXXX they spoke to XXXX. LoancareXX/XX/XXXX never sent our file to the Attorney. Result pending fees are in process of being returned. 

This has been very frustrating with no resolution in sight. Our Credit Scores suffered from losing our jobs, we are trying to remain in our home, and continue working with Loancare, but each time we contact them we speak to a different representative giving us different information. Sending the same documents repeatedly
Product: Debt collection

I have received no collection notice from a company known as ACIMA CREDIT, but they have posted a collection on my XXXX credit report. I am at least entitled under the validation process of the Fair Debt Collection Practices Act to obtain a transfer notice showing signatures with the original creditor. There is not even a statement on the XXXX post of what company the indebtedness is owed to, The timeline for deletion would fall under the original creditor based upon the 7-year rule. This collection may well be beyond the legitimate timeline to even collect upon, and under the order of the office of Attorney General in the Commonwealth of Massachusetts I am entitled a notice that the collection is no longer enforceable. In the case, the collection is illegal and all references to my information must be purged from the credit bureaus as well as deleted from the internal process of ACIMA CREDIT XXXX XXXX. I demand a full validation with signed agreements to even collect a debt under FDCPA regulations.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting

I requested the credit bureau according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ) provide a physical copy of the original document in which they failed to do thereby violating federal law.
Product: Credit reporting or other personal consumer reports

DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.
Product: Credit reporting or other personal consumer reports

I dispute the accuracy of multiple accounts and unauthorized inquiries listed on my Experian credit report. Despite submitting two rounds of dispute letters with detailed evidence of inaccuracies, Experian has failed to properly investigate or provide sufficient documentation of their verification process, violating the Fair Credit Reporting Act ( FCRA ). Below are the details : Disputed Accounts : XXXX XXXX Account 1 : Listed as " Paid, Closed '' but simultaneously shows " Charge Off '' in XXXX, conflicting statuses that violate 15 U.S.C. 1681e ( b ).

The account lacks a clear Date of First Delinquency ( DOFD ), making it impossible to verify compliance with the 7-year reporting limit under 15 U.S.C. 1681c ( a ) ( 4 ). 
XXXX XXXX Account 2 : Reports monthly " Charge Off '' statuses from XXXX, which suggests unlawful re-aging of debt, a violation of 15 U.S.C. 1681c ( a ) ( 4 ).

No DOFD is provided, making it unclear if this account has exceeded the reporting timeframe. 
XXXX XXXX Account 3 : Incorrect balance updates and delinquency reporting without a clear XXXX or chain of title, as required under 15 U.S.C. 1681s2 ( a ). 
Self Lender Account ( XXXX ) : Date Opened : XX/XX/XXXX ; Balance : {$0.00} ; Account Status : Closed ; Remarks : Paid as Agreed. 
Metro 2 Issue : The " 30/60/90 days late '' statuses are inaccurately reported and do not reflect actual payment history. 
A large portion of the payment history is missing, violating 15 U.S.C. 1681e ( b ). 
No DOFD is listed, hindering proper validation of reporting limits. 
XXXX Non-Compliance : Under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ), Experian is required to disclose the name, address, and contact information of the entity used to verify these accounts. Despite repeated requests, no such disclosure was provided.

The accounts contain contradictory and misleading information that has not been corrected after investigation, violating the FCRAs requirement for maximum accuracy under 15 U.S.C. 1681e ( b ). 
Documentation Provided : I have submitted factual evidence, including my dispute letters dated [ insert dates ], highlighting clear errors in reporting. Experian failed to address these issues adequately or provide verifiable evidence. 
Harm Suffered : These inaccuracies have caused significant harm to my creditworthiness and ability to access financial services.

Desired Resolution : Immediate removal of all disputed accounts and unauthorized inquiries from my credit report if Experian can not provide verifiable documentation to support their inclusion.

Disclosure of the method used for verification, including the name, address, and contact information of the verifying entity.

Correction or deletion of any accounts that lack a DOFD or exceed the FCRAs 7-year reporting window.

Compensation for damages caused by their negligence, if applicable
Product: Debt collection

On XX/XX/2021 I sent Firspoint Collection a debt validation letter pursuant to 15 USC 1692g. I requested that they send me the requested information within 30 days from receipt of letter. The letter was delivered XX/XX/2021 ( proof attached ). It has been 30 days and I have not received any information requested to validate this alleged account. Since they have not provided me with any information to validate this alleged account I am demanding that they immediately XXXX  out the balance on this alleged account and delete this alleged account from all consumer credit reports.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX FEDERAL XXXX XXXX # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.