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

Again, since XX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XX/XX/XXXX. I even filed a complaint in XX/XX/XXXX with CFPB. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status regarding EXPERIAN : XXXX XXXX Acct No. XXXX. In XX/XX/XXXX, I contacted XXXX XXXX directly to obtain a clear title of my car which was paid in full in XX/XX/XXXX. At that time, XXXX XXXX XXXX did not make aware of any outstanding debt nor did XXXX XXXX advised of any late payment ( s )! I received the clear title in XX/XX/XXXX. The 60 months term commenced in XX/XX/XXXX and terms ended in XX/XX/XXXX. To date, I still have not heard from EXPERIAN of my dispute allegedly reported from XXXX XXXX XXXX. 

However the only response from EXPERIAN via CFPB : Asking me to deal with EXPERIAN directly and not through CFPB. Experian will verify the accuracy of the item and inform Experian of their results. When the investigation is complete, we will mail the results of the investigation to the current mailing address we have on file for you. To date, still no response from Experian.
Product: Debt collection

( See previous open case ). Speedy Cash was included in a Bankruptcy I filed in XXXX. Since then apparently they SOLD my information to a collection agency to whom reported on my Consumer Credit report who claimed I opened an account in XXXX of XXXX, which is FALSE and added a collection item to my credit report. I have repeatedly disputed this to no avail. 
I have attached a copy of my bankruptcy documents. I demand that they delete this from my credit report immediately. In addition, I am requesting for monetary compensation ten times the amount they claim I owe due to damage to my credit this has caused. This has tarnished my credit worthiness since.
Product: Mortgage

In early XX/XX/2020 I reached out to Gregory Funding for mortgage loan assistance related to the Covid19 pandemic. I was offered and completed a loan modification application. After some sporadic communication I reached out via fax in XXXX and XXXX to request a call back. I received a call that the application was in process. 

On XX/XX/2020 I received a letter that the modification was declined. 
On XX/XX/XXXX I requested the review the modification because the income information they verbally told me they used on the phone was incorrect. I sent the reconsideration letter on XX/XX/XXXX. XXXX XXXX was my single point of contact but they do not and have not provided me my SPoC 's phone or email address. 

On XX/XX/2020 I called in ( a Thursday ) I was told that the modification was approved and " I would receive details by the following Thursday at the latest ''. 

I have not heard or received anything since then. I've called and was on hold for 44 min and when I spoke to a rep I was again told someone would call me back with details. 

On XX/XX/XXXX I sent another letter again asking for an update on the modification as it's been 3 months. 
I sent yet another letter on XX/XX/XXXX again asking to please update me on the status of the loan, by mail, phone or any way at all. 

To date I have not heard anything back from Gregory Funding since XX/XX/2020. I do get the monthly statements but no update on the modification
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, MI XX/XX/2023 Credit Reporting Agency/Bureau City , State, Zip RE : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It May Concern : On XX/XX/2023, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
If you have any questions or need additional information, please contact me at the address noted below. 

Thank you. 

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

My accounts are XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Before i begin, i was told XXXX XXXX XXXX was Deleted. Now as a consumer i was told i have the right to have an investigation done. The Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every thing must be taken to assure the information reported is completely accurate and correct. I sent a letter asking questions about these accounts on how they was effecting my credit report and found they are not the actual holders any longer. No matter that, but from reading my rights as a consumer after a reinvestigation under paragraph of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall. Promptly delete that item of information from the file of the consumer or modify item of information. I have fixed everything on my credit for the last couple years and i'm still not seeing results and i was willing to do my part, now i'm asking for assistance going forward because i don't understand the problem and i'm following the rules of the laws given.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against XXXX for Failing to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX XXXX with the following details : Account Details : Account Number : XXXX High Balance : {$23000.00} Last Verified : XXXX XXXX XX/XX/XXXX ; Experian : Not Reported ; XXXX XXXX Not Reported Date of Last Activity : XXXX XXXX XX/XX/XXXX ; Experian : XX/XX/XXXX ; XXXX XXXX Not Reported Date Reported : XXXX XXXX XX/XX/XXXX ; Experian : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XXXX XXXX XX/XX/XXXX ; Experian : Not Reported ; XXXX XXXX Not Reported Account Rating : Closed ( XXXX, Experian ), Paid ( XXXX XXXX Account Description : Individual Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed ( XXXX, Experian ), Open ( XXXX XXXX Payment Status : Current Creditor Remarks : Closed ( XXXX ), Paid ( Experian and XXXX XXXX Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Despite my requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to the inaccuracies reported by XXXX XXXX Experian, and XXXX XXXX The late payment information reflected on my report is incorrect. Specifically : Two-Year Payment History : Late Payments : XXXX, XXXX, and XX/XX/XXXX : 30, 60, and 90 days late, respectively XXXX and XX/XX/XXXX : 30 days late These dates and statuses are erroneous, as payments were made timely during the mentioned period. 
Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The inaccuracies in my credit report demonstrate a failure to comply with this requirement. 
TILA Violation

s : 15 U.S. Code 1666b requires creditors to provide periodic statements at least 21 days before the payment due date. These reporting errors indicate potential non-compliance, causing undue harm to my creditworthiness. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, ensuring consumers are not unfairly penalized for non-payment. Resolution Requested : Immediate removal of all inaccurate late pay
ment notations from my credit report.

Written confirmation of the corrections.

Failure to address this issue promptly will result in escalating my complaint to additional agencies and pursuing legal action. I trust that you will take immediate corrective actions to resolve this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX FOR TRANSUNION XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was contacted by the original debtor XXXX XXXX, after being out of my apartment at XXXX XXXX XXXX, XXXX, IL for a one year about a debt in the amount of {$100.00}. I asked XXXX to forward me some detail on the balance, but constantly received a bill with no explanation or supporting backup. 

In XXXX XXXX, I was contacted by XXXX XXXX XXXX, by mail stating they are trying to collect this same debt. I wrote back within the 30 day deadline that I am disputing the amount of this debt because " I DO NOT OWE THIS AMOUNT, please return this debt to the original Creditor, XXXX. 

In XXXX XXXX, I got a notice from my credit monitoring service that my credit report has changed. I took a look and noticed that XXXX XXXX XXXX had been added to my report, after I had notified them as well as told on several occasions that I DO NOT OWE THIS DEBT!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies/account ( s ) ; XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX : Account # XXXX -XXXX XXXX XXXX  : Account # XXXX XXXX XXXXE XXXX : Account # XXXX have violated my rights as a consumer. 

15 U.S.C 1681 section 602 ( A ). states I have the right to privacy 15 U.S.C 1681 section 604 ( A ) sec. 2 states a consumer reporting agency can not furnish an account without my written consent
Product: Debt collection

They need to quit contacting me over a debt I do not owe.
Product: Credit card

To whom it may concern, my had my sister to passed away on XX/XX/XXXX, & then my niece on XX/XX/XXXX. My payment for Synchrony Bank ( Sam 's Club Card ) I had schedule a payment for XX/XX/XXXX. Unfortunately, I forgot I had changed banks and forgot to change the account information online. Synchrony called me with an automated system asking me to reach out to them on XX/XX/XXXX. I called and listened to the message it stated that my payment did not go through. 

The same day I called and made the payment with an associate of XXXX and on XX/XX/XXXX I received an email from them stating that I owed XXXX at XXXX XXXX, I knew that was not correct because the new charges would not be due until XX/XX/XXXX for XXXX shortly after I received another email stating they were processing another payment of XXXX which I did not schedule online as they stated I did however that was fine. I asked the repXXXX on XX/XX/XXXX when I called in to please not my account I apologized I had so much going on due to the death of my loved ones. She asked me to hold to see if there was going to be a late fee and if so call back and they would waive that. When she checked she stated there would be no late fee. 

However, today XX/XX/XXXX when I attempted to use my card Synchrony Bank had closed my card without any warning. The representative was as perplexed as I was she stated she would try to have the card re-open upon doing so she could not and said she was speaking with her supervisor. When returning to the line she said the supervisor said there was nothing they could do I would have to reapply. As I stated to the associated do you all understand this is affecting my credit and not acceptable. I have never been late or a payment returned, so you are telling me there is no room for error and you just close my card. 

I asked to speak with her manager and XXXX got on the line and stated due to the fact it was the end of the billing cycle XX/XX/XXXX if they see 2 return payments they have the right to close my account. I told her I have never had a return payment this was the first time and as she could see it was an error on my part not changing my banking information, so there is no late fee, there is no spending the card they just close the card. She stated yes and she could place in a dispute for me. As I stated to her look through my history, I normally pay before time and rather then on time. I am wanting them to re-instate my card and reach out to all credit bureaus before the hurt my credit.
Product: Checking or savings account

On XX/XX/XXXX I applied for a building and I was denied. I asked the building when I can get my XXXX deposit back and they did not respond. I filed a dispute on XX/XX/XXXX and it was denied. Is reached out again to the building and they said the funds were taken back. Chime has no representatives to speak to on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act PORTFOLIO RECOVERY # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, and I noticed that unauthorized inquires have been made ( see below ) I request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed below. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

I also requested removal of multiple addresses found on my credit report 60 days ago. I would like them removed immediately, and have my current address updated on all credit reports. My Correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. 



PLEASE REMOVE THE FOLLOWING : FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Below you will find inquires that need to be removed, see attached files as well. 




XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you for your help and assistance. 

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

Experian Report # XXXX For - XX/XX/XXXX Personal Information : Names : Shows my name right and spell right on this Report.

Issue with Experian keeps adding wrong names and address and other various information on my credit report.

Experian Report # XXXX For XX/XX/XXXX Personal information : Names Shows on this report added 2 names XXXX XXXX & XXXX in which does not show on Report # XXXX -XX/XX/XXXX now I have these 2 names showing that have not ever been on my credit reports.

Experian keeps adding information after I request wrong information be removed.

It makes no sense to keep creating names and address on my credit files I have the last past reports and Experian keeps creating information on my report.
Product: Debt collection

XXXX reporting a debt collection on my credit report. This is not my debt. Im unaware of this.
Product: Mortgage

I bought an apartment and used FirstBank Corp Puerto Rico as a mortgage lender in XX/XX/XXXX. At the closing the real estate property taxes were supposed to be paid for by the mortgage company as the HUD statement says they took the balance form the seller proceeds so that there is no property tax debt when I become the owner. 

I've been trying to reach them since XXXX because the local property tax agency still shows a debt from before my purchase and is constantly sending me tax bill collection letters for preXXXX debt that I do not owe. 

Upon contacting the bank several times in XXXX, XXXX, XXXX and this year I get no resolution. It was about a week ago when I was told by one of their customer representatives that the check was sent and never deposited by the property tax agency. 

The debt stands at almost 50 % more of what it was and I need this bank to settle it to zero  as I am in the process of a sale of this property. 

Note : ALL my taxes from the moment I acquire the property until today are paid for and zero debt from my end.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Equifax : On XX/XX/2024, I mailed a dispute letter to Equifax disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Equifax that was issued by them on XX/XX/2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Equifax do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Product: Checking or savings account

My husband and I have a business checking account with Square and while we were at our place of business, funds were being taken out of our account. The notifications said that my husbands card was being used but it was still in his pocket in his wallet. I made a police report and the police did nothing. I have security camera recordings from that day, showing us at our business at the time the transactions happened. It took 3 days for Square to tell me that my disputes were settled and in the favor of the merchant ( XXXX XXXX  ), and they said my husband was the one who made the transactions. Nobody tried to help us. I called Square and they transferred me 7 times! They told me the same thing every time. My disputes were settled and they couldnt tell me anything more than it was my fault. They wouldnt provide the evidence supporting their decision. My business is just starting so funds are still low. I dont know what else I can do to get our money back.
Product: Credit reporting

In XXXX 2016, I mailed a letter to Transunion for both myself and my husband, and I called after believing adequate time had gone for mailing to confirm receipt. Per the representative, they not received the letters and I was provided a fax number. On XXXX XXXX, 2016, I faxed the letters for both myself and my husband in which I got a successful transmission and still as of today, I have not received any results of the dispute nor has he. I contacted Transunion today and spoke with XXXX representatives in XXXX, XXXX a regular representative and the other in the special handlings department who both advised they did n't see anything being received for me. Despite me telling them of the faxed confirmation which is synonymous to sending certified mail, they kept insisting on me giving them the accounts I disputed so they could now put them in dispute. I then asked for a supervisor in the Special Handlings Department in the United States as I was getting nowhere with the ones in XXXX. I spoke with XXXX, Special Handlings Supervisor in U.S. who stated he did n't see letters either. He checked my husband 's file as well as mine. How could they not see a fax? I advised him that according to my Efax service, the transmission was successful, I confirmed the fax number sent to as being their fax, I provided the exact time to him down to the second and he still just asked if I could, get this, fax the letter again to the same fax number to his attention so he could place the items under dispute. I declined as this has already been my 2nd attempt and second method of delivering this same information to them and them not receiving it.