23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw another debt reported by I C SYSTEM from XXXX XXXX in the amount of {$1200.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation with my signature proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : 609 Dispute Request Verification of Debt Dear TransUnion, I am writing to formally request verification of an item appearing on my credit report under my rights granted by Section 609 of the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report and noticed an entry from XXXX XXXX XXXX for an alleged debt of {$400.00}, opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. I am requesting full validation of this account, including : 1. A copy of the original signed contract or agreement that legally binds me to this debt. 2. The name and contact information of the original creditor. 3. A detailed itemization of the alleged debt, including the principal amount, interest, fees, and any payments made. 4. A full explanation of how this debt was calculated. 5. Proof that XXXX XXXX XXXX has the legal right to collect this debt. 6. Copies of any correspondence sent to me regarding this account. If you can not provide the requested documentation verifying this debt, I respectfully request that you remove this item from my credit report immediately. Please respond within the timeframe required by law. I look forward to your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a student loan on my account. I did not attend XXXX XXXX XXXX. I should not have this debt on my credit report. There is a loan amount of XXXX on my credit report date of disbursement XXXX, XXXX XXXX and XXXX, XXXX XXXX. I have tried to dispute this matter but have been forced to pay and threatened that if I do not pay my wages would be garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are trying to get a home loan and my credit has been reported to three different agencies, two of the three the lender has gotten my credit information from, but the third will not allow access it says " Inquiry info identified as fraudulent by consumer '' I have called Equifax multiple times and tried logging in and creating an account and it will now allow me to it just gives me a number to call, so I called the number and none of times I called they were able to figure out the problem and just say that I need to have my loans reported to Equifax, I have exhausted all of my options in moving forward with getting my credit score from this company and can not move forward with our lender until I have that credit score. The date in which I have been trying to get this all figured out is XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

delete fraud charges no knowledge of account please remove off credit report credit control services inc.. XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by XXXX XXXX in XX/XX/2016 that I do not recall authorizing. 


This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX last four of account number XXXX. 
There is to much incorrect information on this account. All of this incorrect information is hurting my score. 
It is showing as a charge off but is showing a balance and a past due amount which should not show if it is in collections. Also the date of the last payment is showing on Equifax at XXXX but on XXXX and XXXX it's showing XXXX. Also the date last active is different on all three.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2024
Product: Money transfer, virtual currency, or money service

On XX/XX//22 around XXXX, I attempted to deposit cash {$2600.00}, into my Fidelity account using an ATM at a PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX The ATM accepted the cash, gave a screen display acknowledging the breakout of the dollar bills and asked for my acceptance of the transaction. I accepted. The machine then sent a message that the transaction was being cancelled and that I would receive the cash back. The return of cash was {$1600.00} and no receipt was provided. Early morning XX/XX//22 I called PNC customer service and was advised that my call required the aid of a XXXX and to call back on XX/XX//22. I called early morning XX/XX//22 and was advised by 2 different representatives that since the card was not a PNC card, that they would not be able to assist me and that I would need to file a dispute with Fidelity. I filed the dispute with Fidelity, work item XXXX. On XXXX/XXXX/22 I was advised that they would not be able to help me, as they showed no transaction on my debit card. I did also return to PNC on XX/XX//22 and spoke with a XXXX XXXX who contacted the ATM company who advised that I would need to file a complaint with Fidelity. Please help!!
Product: Credit reporting or other personal consumer reports

Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fait Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a responsible reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought light significant concerns regarding Equifax and XXXX, CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax and XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. This reinvestigation has been done in 24 hours which is unlawful per FCRA. Furthermore, any information found to be inaccurate or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Equifax and XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts XXXX XXXX XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information 3. Provide the chain of assignment 4. Delete any accounts that can not be verified or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Equifax and XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. 
If Equifax and XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legal mandated timeframe. I expect written confirmation of any changes made for my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 'Experian ' has failed to follow the FCRA guidelines in regards to reporting. The following account below is the account in question : XXXX  - 8 potentially negative months Closed Account info Account name Account number Original creditor Company sold Account type Date opened Account status Payment status Status updated XXXX XXXX - - Credit Card XX/XX/XXXX Closed Legally paid in full for less than the full balance Under section 609, you have the right to request : 1. All of the information in your consumer credit files.

2. The source of that information.

3. Each person that has accessed your credit report within the past two years ( unless it was to complete an investigation ). 
4. Businesses that have made soft inquiries within the past year.

Violation 1 : None of the following was provided to me upon multiple request to Experian.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 

Violation 2 : regarding the payment history being reported. Take a look ar year XXXX where XXXX - XXXX was reported as 30, 60, 90, 120, 120, 120, 120 with XXXX, XXXX, and half of XXXX having no reporting at all. How is this accurate? How can an account go from 120 days past due, no reporting for two years and all of a sudden reports as charge off? This is completely inaccurate. 

Please review the following complaint accurately.
Product: Credit card

on XX/XX/XXXX, I meant to send a billpay payment to Citibank for a credit card account, in the amount of XXXX i accidentally send them a payment for XXXX, resulting in an overpayment of {$21000.00}. I have been promised a refund as of XX/XX/XXXX and as of today, XX/XX/XXXX, i STILL have received NO refund. It has been almost 60 days since i first called in for a refund. I have called 5 additional times over that timeframe, each time escalating the lack of refund and Citibank has done NOTHING except promise me a refund within the week and giving me no refund. Twice we have spent over an hour on the phone while they insist on verifying the payment with my bank, which just wasted my time and made me even more upset. At this point i do n't believe that Citibank will give me any refund. I believe that they intend to keep the overpayment. The lack of refund is unethical and can not be legal. How can they get away with treating customers this way?
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate personal information on my consumer report. My Only name XXXX XXXX XXXX XXXX My Only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. 
There XXXX be other individuals with a name the same as or similar to mine. Creditors XXXX have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, employers, and addresses. 

incorrect historical data listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX. 15 US C 1681 section 602 A. States I have the right to privacy 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agencycannot furnish a account wthout my witten instructions
Product: Mortgage

My Wells Fargo interest only HELOC of {$85000.00} matured on XX/XX/XXXX. YES XXXX! 
I had timely paid all 180 monthly payments.. My mortgage payments beginning in XX/XX/XXXX were all timely paid. My credit cards were all current. I had a FICO score of XXXX. 
I began the renewal process in XX/XX/XXXX by submitting documents to support my wages, Social Security and rental income. Wages was {$40000.00} Social Security of {$20000.00} and rental Income of $ XXXXThe Wells Fargo position was payment in full and refused to accept any monthly payments. Of note, I was given credit for the XXXXXX/XX/XXXX payment. As this negotiating process continued after the maturity date, I was marked late for the months of XXXX, XXXX and XX/XX/XXXX. 
Other mortgage companies gave the three late payments as the reason for refusing any financing. If a refi was negotiated, the monthly payment would have been less than the current XXXX XXXX % mortgage payment alone. This account was bounced from renewal of the HELOC to Refinancing then back to HELOC and then to Home Preservation then to Forebearance. Each time the process required submission of the supporting documents. 
BTY per Wells Fargo my current FICO score is XXXX.!!! 
I am now XXXX years old. Is this age discrimination or merely incompetence??. 
I have been injured financially as I am locked into the XXXX XXXX % mortgage and in that in seeking employment, when a company checks my bank reference all negotiating is ended..
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX  XXXX - {$2100.00} XXXX XXXX - {$2700.00} XXXX XXXX- {$1900.00}
Product: Debt collection

I have explained to the Company that I did not open this Credit Card and was not mine. Explained to them that I had contractors, construction workers at my home at the time, but could give any names, as I am not for sure who opened this account.
Product: Credit card or prepaid card

Dates : XXXX XXXX, 2020 Amounts : two transactions : {$410.00} and {$6.00} Transactions : " PwP AMERICAN EXPRXXXX IL '' and " PwP AMEXTRAVEL.CO '' I booked two flight tickets on XX/XX/XXXX via the American Express Membership Rewards Travel Portal. All the flight prices displayed on the website were shown in Membership Rewards Points and I have enough Membership Rewards in my account to pay for the tickets. 

After I purchased the tickets, I received a confirmation email showing the amount of points needed and one of my Amex cards were charged with the dollar amount. I called Amex and the service rep assured me that the transaction will be credited by points because it has " PwP '' in the description, meaning " Pay with Points ''. 

However, after waiting patiently for 10 days, the points were never redeemed and credited to my account, I called American Express again. This time, they said that it's because the card that I used isn't in the Membership Rewards program, therefore they were unable to redeem the Membership Rewards points. Apparently, I have two Amex credit cards, one in the MR program, and one isn't. However, when I was booking the tickets, all the pages were showing me MR points instead of dollar amount including the confirmation I received. The service rep understood my concern and said that she will escalate the case and I should call back in 10 business days. 

After 10 business days, I called again and was told that there is nothing they can do. They acknowledged that their website is confusing for consumers, but they are unable to reverse the transaction using points instead of dollar amounts, leaving me having to pay for my bill rather than redeeming the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXX : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What the XXXX is going on? I mean seriously?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information on my credit report for XXXX in XXXXXXXX XXXX XXXX  and they have not removed the information or conducted a real investigation. They are still reporting this as a charged off account, stating that {$370.00} was written off. However, they are reporting a past due balance of {$370.00} and reporting my payment terms as a Charge Off every month for the past 6 years. If this is a closed account that has been charged off, then how are they reporting that it is being charged off every month. The account was only charged off once, not every month for 6 years and it does not have a balance of {$370.00}.

According to 15 U.S code1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They have not done this by reporting the inaccurate information mention above.
Product: Credit card

For the XXXX time in XXXX I was late in paying my credit card. My statement was got lost in some of my other paperwork & with all that's going on in my life, I totally forgot the deadline. Payment was due on XX/XX/XXXX and when I saw the bill on XX/XX/XXXX, instead of sending a check or paying the amount online, I immediately paid the balance in full by phone so that they can receive that payment promptly. I then spoke to a representative by the name of XXXX asking him if AMEX can extend the courtesy and waive the late fee that I know I was going to be charged. He told me that he couldn't give me an immediate response, that he would escalate it & that I would receive a response by email or mail. I never got any response and it's only when I got my statement on XX/XX/XXXX that I saw that not only was I charged the late fee, but also a finance charge that was calculated on purchases from XX/XX/XXXX! Now I always pay my balance in full, and the balance was only {$46.00} on my statement I paid late. I called AMEX on that very day again and both the rep, then the manager told me that they couldn't get the late fee waived. I find that this is very poor customer service since I've been a customer for over 15 days and have been timely in making my payments in full, & especially when this is the first time for the year I was late. After my call with Amex, I filed this very complaint with the Better Business Bureau ( BBB ) on XX/XX/XXXX who opened up a case. Yesterday XX/XX/XXXX, I received a letter from Amex dated XX/XX/XXXX, writing in response to my " recent correspondence to the XXXX XXXX XXXX XXXX XXXX XXXX  '', stating they are " unable to issue a credit for the late payment fee and finance charge of {$29.00} and {$3.00} ''. More so, I can't understand what they mean by stating " we list the balance subject to interest on the Billing Statement from the date your account was opened which was XXXX, XXXX, XXXX ''. I've said before that I always pay my balance in full, just this time I totally forgot and was expecting a little flexibility on their part. Thanks.
Product: Debt collection

in XXXX of 2019 i went to a XXXX XXXX XXXX i was told it were no cost to me. when i got there i got word that my father was very ill of course i left the school before doing so i was told that I would have to find my own way home and all my other fees would be waived due to the timing of my departure according to the contract i have sent multiple request for validation of the debt would show this information however the company has failed to or refused to reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I don't want these accounts in my report, they are directly affecting me and they are not mine. 


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