23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with XXXX with incorrect reporting. I settled this account on XX/XX/XXXX for and it's paid with XXXX XXXX was I was told by XXXX XXXX that they would remove this account when the info return was updated with XXXX. 

When contacting XXXX they said again they couldn't talked to me about this account. 
I don't understand how I paid this company XXXX but I can't get any information in regards to then updated my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors 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 verified that these items are being reported correctly? Who verified these accounts? 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 REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX  XXXX. XXXX Date Opened XX/XX/2016 Balance {$5700.00} and XXXX XXXX  XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.
Product: Debt collection

I purchased a coat from XXXX in XXXX. I received the coat in early XXXX, the coat was not what I ordered, it didn't fit correctly, so I packaged it back up, took to Post Office and sent it back. I called a week later to see if they received back, and they verified with me the coat was received back by them. I started receiving a bill for payment and after enormous phone calls to rectify the issue with comenity bank and XXXX, I discovered my account was in collections. I had already closed my account. I AM NOT PAYING THEM FOR A PURCHASE THAT WAS RETURNED.!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of Federal Law, please see my intent to sue letter and exhibits
Product: Mortgage

In XX/XX/XXXX we were making trial modification payments with XXXX ( {$710.00} # XXXX ). We were approved in XX/XX/XXXX for the permanent mod as we only have XXXX income. The final papers were signed notarized and sent back to XXXX. XX/XX/XXXX the loan went to a new servicer SETERUS ( # XXXX ). Since then I have XXXX documented calls since XXXX trying to straighten out the modification with SETERUS, they are stating my payment is {$1000.00} which was before the modification. We have faxed, emailed and uploaded the documents to them XXXX times, out of the XXXX calls half of the representatives said they have to accept the agreement and the others said they did n't. On at least XXXX calls the representatives told us they were reaching out to the loss and mitigation department with another email asking that the modification be accepted. We also had to explain the situation on all XXXX calls, each representative assured us there would n't be an issue they have accepted all payments of {$710.00} that I have sent and now we have received a letter threatening foreclosure and still do n't have an answer. My last call was XXXX and they sent another email to the loss and mitigation department and when we asked what department we were speaking too they said it was mitigations. I 'm sure all calls are recorded if you need them. We have spoken to XXXX, XXXX XXXX and XXXX XXXX just to name a few. If you could please assist it has been three months we have been calling them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). We are very frustrated and now they are threatening to take our home and I have been ill unable to work and this added pressure is overwhelming.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Problem 1 : I have made several attempts to have XXXX  # 1 remove incorrect information from my credit file, # 2 force XXXX to appropriately report on my file, and # 3 validate debts, and finally # 4 come into XXXX XXXX Compliance with ALL accounts on my credit file. XXXX  always resolves any investigation that I request with " Debt Verified '' or " we verified this account belongs to you '' even if that is not what I am asking them for. I am seeking them to come into compliance. I am uploading one such account where they have given me that explanation AFTER I received a letter from the collection agency that the alleged account was closed in their ( XXXX XXXX ' ) office. How then, could XXXX have possibly verified the account and determined that it was reporting as it should, without removing it from my credit file since the company reporting it stated ( in writing that the account was closed in their office )? Impossible! This leads me to believe that this is the path XXXX has taken on every single dispute that I have submitted to them. I have attached the first 4 pages of the report XXXX sends back to me stating they have verified or validated the accounts. Obviously, this is not true Below is the list of accounts they are not properly reporting through and violating FCRA laws and compliance : XXXX XXXXXXXX acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX I have attempted to attach the copy of the letter the collection agency sent me ( XXXX XXXX ) stating the account is closed in their office ( XXXX sent it back as `` verified '' and refused to remove from my credit file ). Even the account numbers listed are partial and incomplete account numbers. Problem 2 : Trying to get these inaccuracies, incorrectly reporting, and only alleged accounts I have had to file disputes with XXXX. On XX/XX/XXXX I called in to see why was it that my score dropped from XXXX ( dated X/XX/17 ) to XXXX ( dated X/X/17 ) and was told by the following agents that it was because I had filed disputes : XXXX ( agent id # XXXX ), XXXX ( agent id # XXXX ), and supervisor XXXX ( agent id # XXXX ). To my knowledge filing a dispute does n't adversely affect your score. Why is XXXX punishing the consumer ( me ) for trying to make them come into compliance according to FCRA and XXXX XXXX? There were not any new activity that would cause my credit score to drop XXXX pts. I was told that once the investigation was complete my score MIGHT go back up. Since when has decreased scores been allowed to be used to deter consumers from filing disputes? Also, I have uploaded the latest letter that I have sent XXXX ( dated XX/XX/XXXX )  trying to get them to come into XXXX XXXX Compliance with my accounts. I am aware that an investigation takes 30 days however, this is not the first letter that I have sent about XXXX XXXX Compliance to the.
Product: Credit reporting or other personal consumer reports

I want all the negative accounts removed from XXXX. 
XXXX, did not do their job.
Product: Mortgage

On XX/XX/2018 I received from Chase ' PLEASE accept our apology ' letter dated XX/XX/2018. about foreclosure that occurred in error and previously reported TO CFPB. 


Because as of XX/XX/XXXX XXXX at XXXX XXXX XXXX conveyed that Chase has still not as promised a month ago, removed my home from foreclosure I feel compelled to submit new complaint. 

Further this letter is inconsistent with what actually occurred & suggest that Chase had already sent me a copy of modification decline. Albeit on XX/XX/2018 I was told a letter went out XX/XX/2018. 
This is actually the first time I have received it.with apology letter. 

Also, never did any Chase representative tell me to make four payments as letter suggest. 
Fact is I was told to make one payment by XX/XX/2018. instructions were ALWAYS one payment before XX/XX/2018 or worse case senario three before XX/XX/2018. 
Which I attempted to pay the three before XX/XX/2018 to no avail because Chase would not accept. 

As previously documented this property should have never been in foreclosure as admissions made by several Chase representatives. 

I have from inception of modification to now done everything instructed by Chase and they have received payments and Chase executive office  promised a month ago my home would be off foreclosure. Chase sent letters that appeared home was off foreclosure and logical progression was XX/XX/2018 payment. 

But than that was requested to be amended by Chase executive office to XXXX and stated that I couldn't pay via phone, mail or branch. And that Chase would contact me when Chase figured out payment arrangement. 
But my home would be removed from foreclosure. 

I am extremely distressed distraught and literally ill over this. 
I am in possession of letter from Chase citing my payments are current. 
But my home remains on foreclosure sale XX/XX/2018 This is outrageous stress that's been going on since XXXX.
Product: Credit reporting or other personal consumer reports

Hello, Please completely remove me as authorized user from the XXXX XXXX XXXXXXXX credit card attached. 

Please completely remove this tradeline from XXXX, XXXX, and Transunion- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 

3. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Checking or savings account

XX/XX/XXXX i opened an account with Truist bank. Febraury XXXX i sent a deposit via XXXX of {$50.00} to fund the account. few days letter i received a letter from the fraud dept informing me that is effective immediately it is necessary to close the account and for me to immediately cease use. Letter states if funds are remaining in the account a check XXXX be mailed to the address on file if not collected at a branch within XXXX business days. 

The account is still open and has been charged 4 months of banks fees at {$12.00} a piece so as of today XX/XX/XXXX there is {$2.00} in the account. obviously no check has been issued in the 163 days since their communication informing me of the account being closed and the funds being sent to me. I call and they are unable to close online and tell me to go to the branch. When i go to the branch they tell me a check will be mailed. nothing happens but Truist stealing my money in form of bank fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not think that is fair that the three credit reporting agencies have " negative '' information on me for accounts that I struggled to pay in full. It's like being punished for trying to do what is right. If I did not pay them, then I can understand having negative information on my account. The credit agencies say that the creditors have to remove the information and the creditors say the agencies have to remove it. I am at a loss trying to get this resolved : - ( If a person pays their bills, then their credit should be good.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I wrote a letter to all XXXX Credit Bureaus concerning a Auto loan from XXXX XXXX. In the letter I asked them to please verify the information being reported because it was being reported with the wrong amount showing after the car had be sold. Well after waiting 45 days I called each reporting bureaus only getting through to 2 out of the 3 with them saying that the balance has been updated which is hasn't. According to the Fair Credit Act if wrong information is being reported even if it is off by a couple of thousand of dollars. It's causing me financial damage so my question is shouldn't it be removed? I just believe these bureaus have become untouchable and feel like they are able to do whatever they want.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and now Im a victim of fraud!. Someone in another state open a credit card in XXXX XXXX under my name. I called them several times, and no one give me an answer. They transfer the calls. I never open an account with that bank. Please I need to delete this issue from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX. XXXX. I have a problem with one of the credit reporting sites. I was buying a car and told I had serious delinquency on it. I called all 3 sites, XXXX, equifax, and XXXX. I was told they did not see anything on my report. I obtained reports myself and could not find anything that said serious delinquency. XXXX card has XXXX, I receive report every month. I have good credit history. I need help finding this and getting it removed. This has been over a year now. I did not think I should have to pay an attorney. How do you fight something that they say is not on there? I had a car accident that was not my fault and only thing I could think was waiting for insurance to pay car off. But that was not the problem I was told. That wasXXXX
Product: Credit reporting or other personal consumer reports

XXXX repeatedly listed a XXXX XXXX  car loan as part of bankruptcy claim. XXXX was not included in the claim. 
I filed dispute 4 times and their response once again listed XXXX This was a car loan which I never listed and has since been paid in full as agreed. 
XXXX notes this but their listing it has caused me to lose my credit account with Ally. 
Ally has over the past has increased my limit three times! They now claim to have changed the guidelines for acceptable recipients of credit. I had already had the bankruptcy filed when I applied for Ally credit card. 

XXXX  entering the false information with a 2024 date caused me to lose this Account XXXX does shabby investigation and does not read the dispute properly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your prompt attention to this matter. 

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

* Issue 1- Experian systems showing " false negative '' in compliant 's credit security freeze status * Issue 2- Experian could not remove the security freeze in place because of the FALSE displayed  showing " no security freeze '' XXXX Damages : Causing extreme financial hardship/ losses to the complaint as the complaint could not refinance his high-interest mortgage loan. 

XXXX Case Details***************************** As of XX/XX/2020, an Experian letter to the complaint showed his security freeze was permanently removed ( Attachment 1/ page 1 ) As of XX/XX/2020, an Experian letter to the complaint indicated that his credit file did not display a freeze. ( Attachment 1/ page 2 ) On XX/XX/XXXX. XXXX the complaint complaining to Experian that the security freeze, in fact, was not removed despite it displayed " no freeze ''. Experian rep in the dispute dept. insisted there was no freeze. Compliant explained it is a false display in their system and the actual freeze is still in place. 
Complaint made repeated calls to Experian on different dates and times to let them know the freeze is still on. The rep could not " remove '' the freeze as the system " showing '' no freeze. 

On XX/XX/XXXX, the complaint 's banker trying to conduct a credit check on the complaint 's Experian 's credit, and the email message from the Experian Customer Care Rep confirmed the complaint 's file IS still under security freeze. ( Attachment 2 ) On XX/XX/XXXX, the compliant took a screenshot of his Experian membership screen and it clearing showing the security freeze is still on. ( Attachment 3 ) *********************************Action To Be Taken by Experian********************* * Resolve1 -Experian needs to address some of their systems showing " no security freeze '' was a false negative. The fact is the security freeze is still on. 

XXXX Resolve2- Experian needs to remove the complaint 's security freeze globally PROMPTLY as the freeze continue to cause extreme financial hardship on the complaint and his family.
Product: Credit card

On XX/XX/XXXX, XXXX, and XXXX, XXXX, several banks ran hard inquiries to apply for credit cards or bank accounts that I never applied for. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, a collection letter was sent to me from Best Service. I sent a certified letter in response asking them to validate this money they alleged I owe. In XX/XX/2022, they sent a letter back basically saying " they've decided I owe this money, and have no reason not to pay it. '' However, they have not provided any documentation showing what the charges are for, any agreement with my signature or the original creditors. I responded back also in XX/XX/2022 with a cease and desist for failing to validate. They are still reporting on my credit and yet has sent me any reason that I owe this money. 

I've included copies of all letters sent and received. As well as a copy of my credit report.