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

In my previous dispute, there was an unfortunate oversight where incorrect documentation and mismatched CFPB dispute documentation were submitted. Despite this error, it is imperative to address the inaccuracies on my credit report to ensure compliance with federal regulations. I have included the correct documentation with this letter and expect immediate action to resolve these matters I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit card or prepaid card

XX/XX/XXXX : booked a trip for XX/XX/XXXX with a XXXX based company XX/XX/XXXX : Trip cancelled due to covid Late XXXX : XXXX company filed for bankruptcy XX/XX/XXXX : Filed a dispute with Capital One Visa for refund XX/XX/XXXX : Dispute rejected by Capital One Visa ( incorrectly claiming that I was covered by the XXXX company 's insurance ) Spring XXXX : Worked with owners of the bankrupted company to get documentation from both administrators and insurers, documenting that I was not covered since I was in the US Capital One Visa has told me that the dispute is too old to reopen, and that even though they made an error in saying I was not covered, they can not reopen the case, nor can they file a new case over the same dispute.
Product: Mortgage

Lender : Citizens Bank, N.A. 
Mortgage type : VA ; purchase via mortgage transfer House closed : XXXX XX/XX/year> Notification ( phone ) : XXXX XXXX XX/XX/year> - The mortgage had not been transferred to the new owners. New owner was advised they would received payment instruction via mail to pay XXXX mortgage despite not being the actual current holders of the debt. 

Notification ( phone ) : XXXX XXXX XX/XX/year> - Voicemail states the mortgage transfer is still not complete ( nor has the new owner received any information via mail ). The Citizens Bank employee has made a calendar notification to reach out on XXXX XXXX but that no late charge will be applied because there is a XXXX grace period ( XXXX XXXX ). At that point expect to hear that the mortgage has been transferred or Citizens Bank will put a " stop '' on the payment.

Summary : I currently own a home to which someone else owns the debt. I received the title for this home 24 days prior to first month 's mortgage due date. Citizens Bank has failed to transfer the mortgage to my name prior to this date and is now using my payment grace period for them to process their own paperwork.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Credit Reporting Agencies for Non-Compliance with FCRA Dear Sir/Madam, I am writing to file a claim against EQUIFAX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), which is adversely affecting my right to Credit. 
On XX/XX/, I submitted a dispute letter to EQUIFAX identifying inaccuracies in my credit report. These inaccuracies include unrecognizable and inaccurate accounts. According to the FCRA, consumer reporting agencies are required to conduct a reasonable investigation into disputed information within 30 days of receipt. However, it has been well beyond the mandated time frame, and I have yet to receive any correspondence regarding the resolution of my dispute. 
This lack of timely response from the Credit Reporting Agencies is not only a violation of my rights under the FCRA but also significantly impacts my ability to access credit based on accurate information.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : jefferson capital Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX Should there be any updates on my inquiries, Im gon na go to court
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Mazda Financial is reporting my payments on my XX/XX/XXXX and XXXX XXXX bills as more than 30 days late. However, this is a result of poor processing by the Mazda Financial telephone agent.

Based on my own records, and confirmed by Mazda Financial, on or about XX/XX/XXXX I called Mazda Financial to authorize full payment on my account. Mazda Financial has confirmed this. Accordingly, my XX/XX/XXXX invoice should have been timely paid. 

However, the telephone agent did not fully draw the authorized amount. Because of this, the amounts I paid at the end of XXXX ( received 31 days after XX/XX/XXXX ) were deemed late payment on my XX/XX/XXXX invoice and subsequent payments have been tagged as 30 days late ( because bills I was intending to pay at the time of invoice were then deemed applied to the older bills ). 

I called again this morning when I received my notice that the dispute was not resolved to clarify this error and I was told, again, that they acknowledge I called to make payment but because I did not catch the agent 's error prior to the 30 day mark Mazda Financial will not take the late payment mark off my account. 

I truly feel this does not accurately reflect anything about my credit history, and it is literally going to cost me money on all future borrowings.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I previously disputed this account with Transunion XXXX XXXX and XXXX on XX/XX/year> stating : " The current payment status of 150 Delinq is incorrect because the balance due on this account is {$0.00}. ". I don't agree with the results of your investigation. The agency verified account but failed to send me proof of information. I would like this account to be deleted as soon as possible. This inaccuracy is hurting my score and my ability to be approved by a lender. Balance can not be 0 and 150 days past due. Please delete.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had my identity stolen ( I suspect by a family member ) and several fraudulent inquiries and other items appeared on my report. I filed an FTC report on XX/XX/22. I called and asked Experian to remove the inquiries and they stated they needed a copy of my FTC report. On XXXX/XXXX/222 I submitted a request to Experian by certified mail asking them to remove several fraudulent inquiries on my report. I also included the FTC fraud report. Tracking shows that they received this letter on XX/XX/22. The inquiries were not removed so I called Experian and they stated that refused to remove the inquiries because they were connected to a car loan on my account. I have reviewed all the inquiries and although they occurred around the same time that I purchased my vehicle, I did not initiate a credit application with the companies below and I do not have a car loan with any of these companies. I have had a family member who I suspect attempted to purchase a vehicle and other things in my name. I suspect it was a family member because of several other incidences that occurred with this same person, although I don't have any solid proof. It is unfair of Experian to refuse to remove these inquiries, especially since I have included an FTC report regarding the fraud. I have called over and over within the past few months and no one at Experian will help me. Again, I have not applied with nor have a loan with any of the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX some of the inquiries occur repeatedly. I haven't gotten a car loan on any of these dates or with any of these companies so I don't see how they could be connected to any car loan of mine. Remove the fraudulent inquiries.
Product: Debt collection

CBE Group has placed a new collection on my credit report without notifying me first. I have never received a 30 day right to dispute. They can not just put something on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act XXXX USC XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by XXXX USC XXXX which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX USC XXXX section XXXX a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX USC XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that XXXX USC XXXX ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

Tips Remove any old or duplicate addresses from your report if they give you any issues tell them it is a non mailable address Remove any old or duplicate phone numbers Remove any variations of your name that are incorrect Place a security freeze on all your reports Remove all inquiries off my report Remove all late payments and collection off my report Opt out of the following agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Home Loan 1st and 2nd originated XXXX we paid off the 2nd Loan number XXXX XXXX Chase can not provide the Escrow company evidence that we have paid off the loan. We have not been contacted about this loan and now this old loan is keeping us from getting our new home. 

With this lack of help. I only am told they escalated the scenario. But they won't provide any additional information. 

Chase send us the following e mail -- -- -- -- -- Forwarded message -- -- -- -- - From : Lien Release Customer Research XXXX Date : Tue, XX/XX/XXXX, XXXX XXXX  Subject : Chase Case # XXXX RE : URGENT REQUEST FOR CASE NO. XXXX Customer ( s ) name : XXXX and XXXX XXXX /CLOSING ON THURSDAY XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX via XXXX XXXX Hello, I am writing in response to your recent request about the home mortgage loan referenced above. We have fulfilled your request by completing the following : We can not process a release for the XXXX of Washington. The release will be processed by a 3rd party vendorno ETA. They will have the release processed and sent directly to the county for  recording. This case will remain open and monitored until the issue is resolved. An update will be provided as soon as a copy of the release is received from the vendor. 


Thank you, Lien Release Customer Research ( XXXX ) From : Lien Release Customer Research Sent : Monday, XX/XX/XXXX XXXX XXXX  To : XXXX Cc : XXXX XXXX via XXXX XXXX Subject : Re : URGENT REQUEST FOR CASE NO. XXXX Customer ( s ) name : XXXX and XXXX XXXX /CLOSING ON THURSDAY XXXX XXXX Hello, Customer ( s ) name : XXXX and XXXX XXXX Your closing date has been noted. According to case number XXXX, your request is still being worked on. Please allow more time for resolution. 
If you have any further questions, please contact our Customer Service Department @ XXXX and reference your case number with all inquiries regarding your request. 
Thank you, Lien Release Customer Research Logging
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the listed accounts below : XXXX XXXXXXXX : # XXXX
Product: Student loan

My student loan was being handled by a company called XXXX and was taken over by XXXX. Between the transfer my XXXX, XXXX, XXXX and XX/XX/2018 payments went missing. They eventually credited me three of them but one payment is still missing and they have made me jump through so many hoops trying to get it back. I had to get documents from my bank and do conference calls with my bank. They made me contact XXXX  multiple times which has been shutdown and does not have any staff to help. They promise and promise and promise to " look into it '' and call me back in " 2-3 business days, '' but no one follows up. I get a different story every time I call. Ive been told that I can only get a credit to my account and I have been told that it can only be issued by check in 3 weeks. But nothing ever shows up in my account. No check is ever mailed to me. 

I feel helpless and I have to keep sending them money every month with absolutely no recourse. Can you please help me? I am sure there are a lot of other people who are having the exact same problems due to their switch over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the middle of a home purchase! I consolidated my student loan through XXXX. This is good! However, when it came to the XXXX reporting it has been a horrible experience. XXXX first reported to the bureau that the loans were paid. This reporting shows in my positive section. However, Instead of XXXX reporting that the loans are paid, closed due to consolidation the loans are reporting twice. They also report that the loans are closed which has a negative impact and the loans are listed as an negative item. This has caused my score to drop significantly 30-100 points on each of my reports.. Then finally they report the new consolidation as a NEW loan. The loans are reporting as closed. Not closed & paid, or consolidated. This is unfair to the consumer. They are making 3 different reportings all for one transaction. I am unable to close on my home. I have worked over a year to get this report in order and have succeeded. Please help as I am certain that XXXX is causing multiple customers this pain. I have reached out to XXXX by phone as well as letter. I was informed that this is how they report. 

I have included a statement of my navient account. Also, the date they have listed as my new account date is incorrect. The XX/XX/2019 date is the pay off date for my loans. 

Thanks
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from XXXX XXXX on my XXXX XXXX Name/number- XXXX Cred # XXXX on all 3 credit reports XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXXXXXX and XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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 accurate.
Product: Bank account or service

Yesterday on XX/XX/2017 It was brought to my attention by Wells Fargo cus rep that some been using old account of mines ( debit cards ) that 's was stolen I file disbursement immediately Wells Fargo XXXX on XXXX try to force me to give false information and discrimates causei had to right my pin down to help me remember due to a XXXX XXXX refuse to file my claim cause I refuse to all her to force me against my will to give false information unless it this lady XXXX committing these false act herself using my identity base on her behavior attempting to force me to give false information against my wil and refusing to file my claims once I notice the fraudulent activity
Product: Money transfer, virtual currency, or money service

I have been using Moneygram to send to my wife in the XXXX for many years. I have stacks of receipts from when I have sent to her. They said they now believe there is fraud on the consumer, which is me. Moneygram tells me to go to different locations to try and send again. It never works I am always refused. They ask me to give them a code from the location but there is never a code just refused. They refuse to help me and they give me no reason about any fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately reinvestigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : ending XXXX Reason : closed account NEVER HAD LATE PAYMENTS AND NOT COLLECTION ACCOUNT. 
Instruction : VERIFY CURRENT NON-COLLECTION ACCOUNT STATUS Furthermore, In Accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The creditors address and phone number.

3. The date you contacted the individual furnishers of information.

4. The date you contacted the individual furnishers of information and the description of the method used to verify the dispute.

I would like to know if the furnisher provided you with my SSN, address, or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 

Your cooperation and prompt attention are required by law. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

This is in regards to a Chime card account. On or about XX/XX/2021 my account was activated and I went into XXXX and put {$400.00} onto the chime card. I used the card for two days with no problems. Then I tried withdrawing money from an atm using the wrong pin number, chime then closed my account and have not returned MY money which is over {$300.00} dollars!!!! I have sent many emails to chime in regards to my funds being sent to me via a check. Chime will only say they can not disclose any information.