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

I filed a dispute several times and never received a response from XXXX XXXX and I sent them letters twice in the last 6 months and I am tried of it. They never responded to me an I allowed them more than enough time even past the time the law allows. I noticed that you are reporting this item on my consumer reports as a charge-off with a balance. I am writing to understand which portion of this alleged debt was charged off or cancelled because I do not recall receiving a 1099-C. From my understanding, I am supposed to receive a cancellation of debt tax document so I can report this amount on my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, a blip occurred in my credit rating. It dropped from above XXXX to below XXXX. An XXXX XXXX XXXX XXXX charge - something was ordered and was delivered to a XXXX  address. This was NOT mine - someone had access to my social or credit card? I am not sure... This {$930.00} was not mine... It is not mine... 
I used a " free dark web '' service to see that leaks may have happened .. that check was XXXX XXXX... that is where I found the address in XXXX XXXX Montana XXXX I live XXXX miles away in XXXX XXXX Montana XXXX. 

Item removed XX/XX/XXXX ... after I filed a dispute, filled out paperwork, made phone calls.. 
" XXXX XXXX XXXXXXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. '' Current collection below - I have filed multiple disputes to try to remove this! 
" XXXX XXXX Account XXXX '' Help- I don't know what to do. 

Here is copied information from Experian. 
" Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$930.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$930.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$930.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXX  Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' This XXXX XXXX  charge is NOT MINE. I did NOT do this or authorize anything. Help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX - This was Paid as agreed and should not be showing any derogatory information on my report. 

XXXX XXXX - XXXX - XXXX you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Product: Checking or savings account

My account was abruptly closed without notice. I've reached out to the company multiple times with no responses as to why my account was closed. Also, they will not tell me anything about the balance of money I had in my account at the time they closed my account. 
This account was closed on XX/XX/2022. There was potentially {$150.00} in my account when it was closed.
Product: Credit reporting or other personal consumer reports

I want to talk about the problem of an account that was mistakenly confirmed to be accurate on my credit report. No changes have been made, and the inaccurate data is still included in my report even after I submitted the papers that demonstrate the information is inaccurate. 

This inaction is a violation of 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), which requires you to remove or rectify erroneous information following a thorough investigation. I'm asking you to look into this again right away and either fix the information or take it off of my report.
Product: Debt collection

I contacted the collection agency about a debt due to car insurance where they claim i owe of {$130.00} to them. I sent them a letter by certified mail on XXXX XXXX, XXXX and have not heard back from them regarding of debt.
Product: Checking or savings account

Truist banking has charged me a second stop payment fee to a company I had initially placed a stop payment and paid the fee upon XXXX months prior. This has allowed the company I had originally stopped a payment against to withdraw funds from my account, and when I spoke over the phone to representatives within the company, I was definitely given the runaround, and then I personally went into a Truist banking facility, and was given to separate explanations XXXX from a manager, and XXXX from a member service representative, and neither of their explanations were the same. I complained and demanded a refund for the second stop payment charge. I had to make in order to stop a company from withdrawing funds even though I proved to them and showed them with documentation that I had already paid to stop payment fee. Very unprofessional from the branch manager at the truest banking facility I entered to try to dispute my claim.
Product: Debt collection

TROTT LAW if you really think a foreclosure occurred and that you have not just committed fraud and that you should not be Fined by the CFPB. 


Explain in packet XXXX  attach page number XXXX dated XX/XX/year> ref. XXXX when your buddy XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX your client and you contacted my broker XXXX  as an inquiry to ask a question of my loan XXXX. 

XXXXXXXX XXXX, Dear XXXX XXXX we will be able to respond to your inquiries, in full, if XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, to provide verbal authorization. 

Why did XXXX  XXXX tell me on XXXX at XXXX spoke XXXX minutes and his exact words were - I am reading a XXXX XXXX  on file in XXXX. 

What lie and XXXX will you say now? 

Explain XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Information : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Date of Charge Off : XX/XX/year> Amount : {$0.00} ( Paid ) Credit limit : {$1000.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.
Product: Mortgage

3 years ago I divorced my husband. The house on XXXX XXXX was left to me in the divorce. The deed is in my name and I had the taxes and insurance put in my name due to the tornado that happened in 2021, so that the insurance settlement could be paid to me. I was contacted earlier this year ( XXXX ) by Mr. Cooper stating that because the insurance was in my name and not my ex husbands that they would not pay it and would take out a hazard policy because my name wasn't on the mortgage. They recommended doing an assumption, which I did and sent all the paperwork to them 6 months ago. I was told that they would pay my mortgage on a month to month basis until the assumption went through THEN I received 2 letters from Mr .

Cooper. 1 stating that my insurance had been paid and 1 stating that they would not be paying. 
I sent both to my insurance company who tried to help me with the situation as best as they could, but we were never able to rectify it. I was sent another letter a few weeks ago stating that they had taken out a hazard insurance policy and when I checked my mortage payment it went from XXXX per month to XXXX per month. Now Mr .

Cooper has been putting me on hold for 3 hours at a time and giving me the runaround. Please help.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX XXXX / Acc. # : XXXX / Bal. {$0.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

I was informed by XXXX XXXX XXXX XXXX XXXX credit card taken in my name with a balance of {$7000.00}. I never had any accounts of any kind with XXXX XXXX. I reported the matter to XXXXXXXX XXXX. I received a XXXX XXXX letter dated XX/XX/2023 acknowledging my claim of fraud and stating that no further action on my part is required. 
I received no further information and the XXXX XXXX  balance continues to appear on two of three bureau reports. 
XXXXXXXX XXXX will not work with XXXX XXXX to resolve the matter. 
I filed an FTC fraud report, which includes a copy of the police report with XXXX police that I filed. 
I made repeated calls to XXXX XXXX. On one call, made more than 10 business days ago, I was told I would receive a letter from XXXX XXXX. I received no letter. I can not find from XXXX XXXX  what the letter is supposed to say, or how to resolve the problem.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian for their willful and repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, extensive supporting documentation, and prior removals of fraudulent information, Experian has unlawfully reinserted a fraudulent account onto my credit report and failed to conduct a proper investigation. These actions have caused financial harm, emotional distress, and have severely impacted my credit standing. 

Details of the Fraudulent Account : Creditor : XXXX XXXX Account Number : XXXX Balance : {$1700.00} Date Opened : XX/XX/year> I initially filed a dispute with Experian pursuant to FCRA 605B, ( 15 U.S.C. 1681c-2 ) providing all necessary proof of identity theft, including : FTC Identity Theft Report # XXXX Official Police Report from the XXXX Police Department Despite receiving this legally sufficient evidence, Experian refused to block the fraudulent account, violating the explicit requirements of the FCRA. 

After multiple disputes and intervention from the CFPB, Experian finally removed the fraudulent XXXXXXXX XXXX account from my credit report. However, Experian unlawfully reinserted the same account without following the required certification process or notifying me, violating : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) which mandates that a previously deleted item can not be reinserted unless the information furnisher provides certified accuracy ; 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) which requires Experian to notify me within five business days of reinsertion, which they failed to do. 

Experian has illegally furnished my credit report, including fraudulent information, to third parties such as XXXX XXXX XXXX XXXX, without my written consent. This is a direct violation of 15 U.S.C. 1681b, which limits permissible purposes for accessing a consumer report. 

In addition to the fraudulent XXXX XXXX account, Experian has failed to remove an unauthorized hard inquiry from XXXX dated XXXX, despite clear evidence of identity theft. Under the FCRA, this inquiry should have been immediately and permanently removed. 

Experian has failed to conduct any meaningful investigation into my disputes. The Consumer Financial Protection Bureau has already sued Experian for engaging in sham investigations and reinserting inaccurate information without proper verification. I am yet another victim of these unlawful practices.
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 
Your agency is in violation! 
15 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXXXXXX Incorrect Current Address - XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address ( es ) - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tested positive for XXXX on XX/XX/XXXX. I tried to pay my Kohl 's charge, while I was sick, but the system was down a couple of times I tried to pay it. And I couldn't get to the store when I was sick with XXXX. My payments due date is the XXXX of month. This payment was posted to my account on the XXXX. I am trying to buy a house. I was informed that days before closing, my lender dropped me. My score had dropped XXXX points. Because Kohls reported this as 30 days late. When it was not. Now I have to redo my loan, I was trying to do a USDA loan. I have to now do a FHA loan, because my score has dropped so far that I can't even do a conventional loan. I was at the point of getting a cleared to close date with my usda loan. So I already paid for the apprasial, which was about {$680.00} dollars, a well inspection of {$270.00}. Along with other fees, that I am working on getting documentation for. This in accurate reporting is costing me 100s if not 1000s of dollars for inaccrate reporting.
Product: Credit reporting or other personal consumer reports

Inaccurate information on my consumer report after being a victim of identity theft. I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ), addresses, ssn #, phone numbers, bank accounts, inquiries, emails on my credit report The following accounts on my report are inaccurate and was opened fraudulently without my Consent or Knowledge. I would like for you to remove all this misinformation from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days of their receipt. Unfortunately, it has been four months and I have not received any responses from these credit agencies. I am really confused and would like to know why I am not receiving a response as required by Federal Law?

Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS? 
If my dispute was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via certified to the credit bureau?
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the fraudulent account appearing on my credit report. On [ date of initial dispute letter ], I sent a formal dispute letter informing you of the inaccurate and unauthorized account listed on my credit report. Despite my efforts, the erroneous information has not been rectified, and I believe there may be violations of the Fair Credit Reporting Act ( FCRA ) that need to be addressed. 

I reiterate that I have no affiliation with this account, nor have I authorized its opening. This erroneous information is damaging my creditworthiness and causing undue stress and inconvenience. 

Furthermore, it has come to my attention that there may be violations of the FCRA in handling my dispute : 1. Failure to Conduct Reasonable Investigation : Despite providing sufficient evidence of the fraudulent nature of the account, no meaningful investigation appears to have been conducted to verify the accuracy of the information. 
2. Failure to Provide Prompt Response : Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days of receiving them. It has been well beyond this timeframe, and I have yet to receive a satisfactory response. 
XXXX. Failure to Delete Inaccurate Information : The FCRA mandates that inaccurate information must be promptly corrected or deleted from credit reports. The presence of the fraudulent account continues to mar my credit profile, indicating a failure to comply with this requirement.
Product: Credit card

I have come to the point where I have exhausted all other options of why American Express has not wanted to honor it's commitment to taking care of military soldiers. One of your campaign themes is honoring and supporting the military but when it comes to reducing the interest rates on your loans, you look the other way. This has at least been gross misrepresentation and neglect not to mention it is against the law. Not only have you done this over the last few years on my accounts but my wife 's as well who is a military spouse ( same household ). I have included some members of congress in the hope that they will ensure that American Express commits to actions versus just words. Included are my orders dating back to XXXX in which case American Express has given very weak answers as to why you can't reduce your interest rates to at least the required 6 % while a servicemember is on XXXX XXXX. I do recall many years ago, XXXX XXXX XXXX did this same thing and paid a heavy penalty in front of Congress and since they have gone above and beyond to take care of military personnel and I think now is the time for American Express to do the same. Listed on the last Fax Coversheet are all of my accounts with American Express as well as my wife 's in the hope that you will once and for all correct your gross mistakes. Attached are my orders that I am currently on dating back to XXXX