23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was previously with Washington Mutual who used XXXX XXXX XXXX as their Trustee. However, when I was transferred to Chase who filed a Notice of Default on my property recorded XXXX/XXXX/2010, Chase used XXXX as the Trustee without filing a a substitution of Trustee nor providing any notice to me. For XXXX years I have been trying to obtain a loan modification without any real consideration to my circumstances. I work two jobs just to pay my mortgage, and I am still using 39 % of my income to pay my Principal and Interest, taxes and Insurance. Chase comes up with all kind of excuses even attempting to illegally transfer my loan, furthermore, I do not believe that they have the original note, nor does XXXX, my investor. My tax statement still reflect Washington Mutual as the payee? They have been out of business for over XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed Experian a letter disputing 3 accounts such as : XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX. On XX/XX/XXXX, I received a letter from Experian in response to my dispute advising the credit items for XXXX  and XXXX  XXXX has been deleted from my report, but XXXX XXXX remains due to the company certifying the info. is accurate. So on XX/XX/XXXX, I mailed a certified letter to Experian requesting that they provide their Method of Verification, the name, address, and phone number of the person contacted regarding this alleged account, and any documents provided by the company, bearing my signature, showing that I have a legal binding contract with the company and that I am obligated to pay them the exact amount claimed in my file. To my surprise on XX/XX/XXXX, I received a response from Experian advising they will not be reinvestigating my dispute because the creditor has already verified the accuracy on this account and they are claiming the info was obtained from a public source, such as a court or government office. They are also asking me to provide additional info to support my claim and then they will reinvestigate ; I don't have any information on this account because clearly I don't recognize this creditor which is why I sent my initial dispute and which is why I would like to see the signed contract by me with this company obligating me to this account and this exact amount claimed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Motor Credit Corp Account # XXXX Date Reported Open : XX/XX/2014 This letter serves as a dispute pursuant to the Fair Credit Reporting Act ( " FCRA '' ) 15 USC SECTION 1681 et seq. 

Toyota reporting bureaus : XXXX, XXXX, and XXXX that I made a late payment on a Auto Loan. 

I dispute this derogatory remark due to the fact that I was never late on a payment. The above named company has failed to provide proof of late payment and the amount of the payment. 

Toyota has to submit to me proof as to when then monies was received by them from me, and also the amount. Toyota also has to provide the their bank statement which supports any date provided as to what date the monies were received from me and were allegedly late. And also provide the required payment dates and late dates. 

1. Toyota has reported and has continued to report such derogatory remarks beyond the statute of limitation to report and continue to report such alleged late payment to the credit bureaus ; 2. Toyota has no permission from me to report any late payment to the credit bureaus without my written or verbal permission. I did not authorize any submission or reporting any alleged late payment to the credit bureaus in violation of FCRA section 604.
Product: Credit reporting or other personal consumer reports

I provided the company with a copy of my credit report and advised that they have an account with an open date that is not accurate with all bureaus. I asked that they remove this information and I provided proof, and the bureau still confirmed as accurate. This is a violation of the FCRA.

This account is also being reported by 2 different companies. This is a violation. 

Account : XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX XXXX XXXX XXXX XXXX XXXX  This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

I got a statement about XXXX savings accounts from Capital One that I did not request. This statement is XXXX pages long. I did not request these accounts to be opened. The period covers XX/XX/XXXX - XX/XX/2022. Me cell phone is XXXX XXXX XXXX
Product: Student loan

I sent in an XXXX XXXX XXXX application to have my loans forgiven, being the federal student loans for XXXX XXXX were forgiven. I sent in the application and receive as response saying it was denied. I asked the reason why and they stated : " Each application is subject to our review and discretion. A variety of criteria are used to determine eligibility, including, but not limited to, proof of resulting harm, sufficient documentation supporting your claim, date when events occurred or when you experienced harm, etc. Because we review each application holistically, it is not possible to identify specific criteria that caused your application to be denied. While we understand why this matter is important to you, our analysis is confidential and proprietary. '' So basically, we don't have a reason why you were denied, but you're denied. 

I sent the application to them on XX/XX/year>. I owe a balance of approximately $ XXXX. They have me in an " interest only '' program, which also makes no sense. I've asked for another program where I can pay on the principal, but was told they have nothing else I could apply for and if I wanted to get out of the program I would need to refinance this loan with another banking institution. 

I'm not understanding why these loans can not be discharged, being the government has released me and I've given you PROOF.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( BLOCK INC ) due to inadequate customer service and unfair practice.Which violated the consumer financial protection act ( CFPA ). Specificlly cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements that is under electronics funds transfer act ( EFTA ) regulaton E. These actions had caused. Significant. Inconvenience. and financial loss.And I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit reports XX/XX/2018. Since that time, I requested a debt be validated on my credit report via the collection agency, XXXX XXXX XXXX based in XXXX, Az. Not only did they not validate the account, they created a FALSE document reflecting a debt to XXXX XXXX XXXX of {$25.00} + 4 years of interest, they supporting documentation WAS ANOTHER PERSON 'S INFORMATION ALL TOGETHER - including their NAME, DOB, HOME ADDRESS and SSN!! 

I sent that in to XXXX as proof that the account could not be validated and should thereby be removed. XXXX broke the law and did not remove the account. 

I had since received a letter from XXXX XXXX Apartments stating the account is to be removed from my credit report. I uploaded the letter twice - once on XX/XX/XXXX & again on XX/XX/2018 to XXXX Credit Bureau - The only ones reporting this erroneously - for them to delete the entry. They pretend that although the letter was amongst other uploads they received, they seem to never have received this ONE letter. 

XXXX Credit Bureau is reporting false and inaccurate information on my report and is not following the established rules and statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX 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
Product: Student loan

My Direct loans transferred to FedLoan servicing on XX/XX/2021. After multiple attempts to inquire how 109 past payments made to XXXX XXXX XXXX ( XXXX ) and XXXX are being reported for PSLF/TEPSLF.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX CREDIT CARD I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 
XXXX. **Absence of Form XXXX : I was not provided with Form XXXX for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance. 
XXXX. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( XXXX XXXX XXXX XXXX ), which ensures stringent safeguards against the unauthorized release of personal information. 
XXXX. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights. 
XXXX. **Exercising Opt-Out Rights** : In accordance with regulations under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( b ), and XXXX XXXX XXXX, I am formally revoking any implied permissions for the dissemination or reporting of my credit information. 
Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Product: Credit reporting

I ask professional credit managment to validte the account and all they sent is medical bill with my insurance and patient id and nothing with my signature. Also believe they violated my hipaa law rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in three dispute letters to AMEX and all three credit reporting agencies ( XXXX, XXXX, and XXXX dated XX/XX/23, XX/XX/23 and XX/XX/23. XXXX and XXXX have removed this account however XXXX alleges they verified it and will not remove it. 

This account is not my account nor am I an authorized user on this account. 
The account is reporting open ; for whom? Who is the account holder? Who is the authorized user? 
AMEX had violated my rights reporting an account that is not mine. They also did not respond to me in over 90 days which, is a FCRA violation for FCRA requires disputed item to be validated within 30 days or removed. 
Due to the delay in removing this erroneous account, it is causing me a hardship and has my credit score lower than it should be.
Product: Debt collection

It is under the law and model XXXX and XXXX that I be given notice about information being reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

Ive been trying to remove this account from my credit after i found out that my ex roomate had used my information to open an account without my knowledge. The creditor nor the bureaus have been helpfull
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Mortgage

I have done major home improvement inside and outside and business is running in my home. I requested them to remove my PMI after renovation a couple of times, but I was told they could not cancel before 2 years even if the LTV is less than 80 %. They sent the appraisal last month and valued the property is LTV 78.2 % which seems biased because the appraisal value is less than the improvements. Flagstart has sent me a mail claiming that LTV should be below 75 % to cancel the PMI. 
So, to cancel the PMI, LTV must be below 75 %?