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

am requesting a re-investigation of my consumer report using the following : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Subject : Urgent Demand for Removal of Outdated and Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of several items from my credit report that are beyond the statute of limitations. It has come to my attention that despite being time-barred, the following accounts continue to be reported on my credit file :, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These debts have exceeded the legally enforceable time frame for collections, and their inclusion on my credit report is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect your agency to adhere to the precedent set by the court cases : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) : This case involved the removal of time-barred debts from a consumer 's credit report. The court held that attempting to collect or report time-barred debts violates the FDCPA, and consumers have the right to dispute and have such debts removed from their credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : In this case, the court ruled that debt collectors must accurately report the status of debts on a consumer 's credit report. If a debt is disputed and found to be inaccurate or time-barred, it must be removed from the credit report in accordance with the FDCPA. In light of the court ruling mentioned above, failure to promptly remove these items from my credit report will compel me to pursue all available legal remedies against your agency for non-compliance with federal regulations and court decisions. I insist on a thorough investigation into these matters and the immediate removal of the aforementioned items from my credit report. Additionally, I request a written confirmation detailing the actions taken to resolve this dispute and the updated status of my credit report. Your cooperation in rectifying this urgent matter is not only expected but legally mandated. Any further delay or negligence will result in legal action being pursued against your agency. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I found 3 items on my credit report that do not belong to me. Any information from my credit report that I inform you is a result of identity theft, must be removed within 4 days of you being notified. You can not furnish any account on my credit file without my written consent. I never gave you written consent. I have suffered a lot of XXXX  and financial distress due to the deceptive practices XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX, Experian, XXXX, XXXX, XXXX, XXXX, and any other place my information was illegally sold to. It has been nearly 2 months and yet, these items still remain on my credit file.
Product: Credit reporting

XXXX made an error in reporting amount owed All XXXX bureaus have not updated the info
Product: Debt collection

I was under contract with XXXX XXXX from XXXX to XXXX I completed my obligation and sent the final bill on XXXX/XXXX/XXXX for the amount of {$100.00}. I included the final payment and the phone in the same envelope and sent the payment and the phone as directed by XXXX representative " XXXX " on XXXX/XXXX/XXXX The package was opened and the check was cashed by XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I rec a request for payment from XXXX for the amount of {$220.00} for the Phone I contacted XXXX and Informed Their customer service of the actions taken to return the phone and to make the last payment as required. XXXX stated they did not received the phone. I informed them of the procedures I took to complete my obligation of the contract.. It would make it very difficult to cash the check without taking the phone, Bill and Check out of the same envelope I received several correspondence from XXXX over the next several months providing them the same information. All correspondence with XXXX received after the contract was " this issue has been resolved ''. This was not true. I received several letters from XXXX XXXX XXXX { Collection agency ) company and informed them of the situation. No resolution from the collection agency. This agency stated it has to be resolved with XXXX and wanted a partial payment to resolve this. I refused to make any payment for Items that have been returned. Thank you XXXX XXXX
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit card

XX/XX/year> Synchrony closed my XXXX XXXX, no notice. I didn't request it to be closed. They misunderstood my comment. I didn't receive any advance notification. I've been trying for over 2 weeks to receive a response. My request is ignored! I deserve a explanation why I didn't receive any advance notification.
Product: Mortgage

I purchased a house on XX/XX/2015 of this year. The mortgage was handled through XXXX XXXX XXXX. The Servicer at the time was XXXX XXXX, XXXX On XX/XX/2015 the Servicer was transferred to Loancare XXXX I already filed a complaint regarding the handling of the transfer since they took such a long time getting my account transferred over ( Federal states within 15 days, they took until XX/XX/XXXX before I could actually make a payment. 
This complaint is regarding their customer service handling and their website. Since setting up my account at their website, ( www.myloancare.com ), It consistently says I have no Mortgage Insurance, however they are dispersing an amount for Mortgage Insurance. 
Upon calling customer service, they told me that none of the information on their website is accurate until an " Escrow Analyses '' is done, and that wo n't be completed until XX/XX/XXXX. 
This is unacceptable to me as a consumer that they are handling the payments and disbursements of money for my mortgage on my behalf, yet I cant get any accurate information from my account on their website when logged in under my account. If a company is going to arbitrarily decide who my servicer is going to be for my mortgage without asking me, then it should fall onto the servicer to make sure that information is up to date and accurate, which it is n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for a credit from XXXX XXXX, XXXX on XXXX XXXX and XX/XX/202. I had a credit freeze on my account. I have also reached out asking them they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX, XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I'm requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX, XXXX is able to prove that the inquiry is indeed valid, please provide written proof and description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Cash App ; Block , Inc due to inadequate customer service and unfair practices which violate the CFPA. Cash App failed to take timely measures to prevent and address fraud on their app. They also did not comply with EFTA and Regulation E. These have caused significant financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report, which shows that I was late on payments when I was not. The credit reporting agencies are required to report information accurately, and I request an investigation into this matter. 

If the reporting agencies can not provide proof of these late payments with records, I demand that my report be updated to reflect that these payments were made on time and never late. Please investigate and ensure my report is corrected. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letters explaining I am a victim of identity theft along with copy of valid documents. I have sent letters in XXXX, XXXX, XXXX and XXXX to plead with bureaus of fraudulent accounts. 
I have filed police report of my information being stolen, I also explained when I have moved to the United States. There was no way I could have applied for such accounts, theres also another person name listed to the account. 
My pleas are being ignored but a automatic system.
Product: Credit card

I received a welcome email from American Express for a new credit card with a {$10000.00} limit. I called them and they cancelled the account and put a freeze on any future applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth finance is a collection agency and committed fraud on my credit report they said that I have an outstanding loan with XXXX XXXX XXXX for the amount of around {$160.00} that is fraud it is not a loan XXXX XXXX XXXX is a hospital and I would like to have my credit stored to where it was it was back in XXXX when I seen this on my credit report it has dropped my credit 100 points for no reason it is not a loan it is fraud My credit came down from around XXXX XXXX  because of fraud commonwealth finance is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB regarding XXXX XXXX claiming I owe money for a company ( XXXX XXXX ) that does not exist. XXXX XXXX responded to my compliant stating the company does not exist but that I still owe money. I even mailed out a validation letter to XXXX XXXX and they sent me an itemized statement that their company drafted up which is not proper validation. I sent my CFPB report with XXXX XXXX response and a copy of the itemized statement to Equifax. In my letter to Equifax I requested that XXXX XXXX be deleted form my credit report since they failed to provide proper validation and the alleged original creditor does not exist. Instead of them deleting XXXX XXXX, they used a STALL TACTIC and sent over my complaint to another collector called XXXX XXXX XXXX and XXXX sent me paperwork to fill out regarding the identity theft. XXXX XXXX has committed identity theft and fraud because I have no ideal who they or the original creditor is and Ive never done business with them or the original creditor and XXXX XXXX is reporting false information to Equifax. I want them immediately erased from my credit report.
Product: Credit reporting or other personal consumer reports

Discover Bank I dont have any credit card from based on the XXXX open that account we back XXXX but i arrived XXXX XXXX XXXX XXXX is XX/XX/XXXX how come I have Deliquent to that company and my all information always have mistake even how many times that I spoken them and spelling correct to agent I spoked too and why they cant stop the people and company inquiries to my name and my information
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation and validation of all the negative accounts currently reported on my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies conduct a proper and thorough investigation into disputed information. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable, inaccurate, or incomplete information must be promptly removed from my credit report.

I hereby demand that you provide verification, including the wet ink signature on any alleged agreements with creditors or collection agencies that have reported negative information against my credit report. If these accounts can not be validated with proper documentation, including my original signature, you are lawfully required to delete them from my credit report immediately.

Furthermore, under 18 U.S.C. 894, any attempt to collect an alleged debt without valid proof, including extortionate credit transactions, is a federal offense. Reporting unverifiable negative accounts without adequate documentation and failing to conduct a lawful investigation may be deemed a violation of consumer protection laws. If the accounts in question are not validated with legally and lawfully sufficient proof, I demand their immediate removal.

Additionally, I request that my personal informationname, address, and contact numberbe corrected. 

I would also like to bring to your attention the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian, XXXX, and XXXX, alleging that these agencies engaged in sham investigations, did not properly freeze accounts, and systematically violated their obligations under the Fair Credit Reporting Act ( FCRA ). This legal action further underscores the necessity of complying with federal laws and ensuring that all reported information is accurate and fully substantiated. 

To facilitate the verification process, I am enclosing copies of the following : My government-issued identification card My Social Security card Proof of residency ( utility bill, bank statement, or lease agreement ) I expect a formal response within 30 days as required by the FCRA. Failure to comply with this request will leave me no choice but to seek legal recourse, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

I look forward to your prompt resolution of this matter. Please provide all requested documentation in writing to my address above. 


Accounts associated with disputes 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: Vehicle loan or lease

I made extra payments as they stated to do to pay the principal balance and they refused to apply the extra payment towards the principal as they stated it would be. Spoke with XXXX XXXX refused to correct what was supposed to be applied to the principal balance. 
I was told by XXXX that the bank policy overrides any laws federal or state.
Product: Credit card or prepaid card

There is a fraudulent charge on my Capital One XXXX credit card from XXXX posted on XX/XX/19 in the amount of {$85.00}. Originally, showed purchase date of XX/XX/19. 

Called XXXX on XX/XX/19 to report the charge as fraudulent. However, CSR XXXX informed me that she did not believe it was fraud after asking a couple of questions, but not performing a formal investigation. Also, was informed that the card was present at the time of charge. How is that possible with an online charge? Would like a receipt of what was purchased and what address it was shipped to since I logged into my XXXX account and there is no history of this purchase. Also, closed the card number ending in XXXX. Duration 20 minutes. 

Also, on XX/XX/19 there was a charge of {$100.00} from XXXX. Would like to formally report this as fraudulent, too. However, since XXXX issued a credit in the same amount on the same day effectively zeroing this charge, it makes this fraudulent charge moot, but would like it to be documented as fraud. 

Called XXXX on XX/XX/19 to check the status of the fraudulent charge of {$85.00} The CSR ( name? ) informed me that the charge was not showing since I reported it the day before and nothing else needed to be done. Duration 12 minutes. 

However, I logged into my account on XX/XX/19 and the {$85.00} charge has been moved from Pending status to posted on XX/XX/19. Therefore, since after two repeated attempts to report this fraudulent charge via telephone has not removed it from my account, I would like to invoke my rights under the Fair Credit Billing Act to formally notify you of the fraudulent charge of {$85.00} and request that it be removed from my account. 

Also, mailed a letter describing all of these actions via USPS certified and return receipt on XX/XX/2019. It was delivered to Cap One and signed for on XX/XX/19. The Number is XXXX. 

Logged into my Cap One account this morning and the {$85.00} still remains, and I have not received any correspondence from Cap One acknowledging receipt of my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every Credit Report is showing different scores.
Product: Debt collection

Left multiple message at my place of employment with multiple people stating they are from the District Attorneys office. Also left messages including my name and stating they are XXXX the actual attorney looking for me.
Product: Credit reporting or other personal consumer reports

Tried to check on the freeze status for the XXXX agencies. XXXX I established all report " invalid credentials '' or " Call this number to speak to an agent. '' Tried Experian phone authentication and got through including validation code sent to my phone and it reported unable to authenticate. Waited for an agent on phone for XXXX minutes and gave up. Thanx for your followup.
Product: Mortgage

I sent Gateway Mortgage my XX/XX/2020 payment on XX/XX/XXXX. Due to COVID the mail was behind and they didnt receive the payment until after XX/XX/XXXX causing me to have a late payment reported. I have ask them to please remove this late payment, but have been unsuccessful. I was in contact with them every day once the contacted me letting me know the payment hadnt been received. The representative just kept telling me to call back and they were notating my account and it wouldnt be reported late. That was my main concern and I continued to ask them that. I know they record the calls if they would pull the call they would see I kept calling and was told nothing negative would be reported
Product: Debt collection

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2022. I received a response with an itemized list of charges they claim I owe. I then mailed a second letter validation letter, which they received on XX/XX/2022. 
I have given well over 30 days for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Product: Mortgage

I sent in a complaint regarding the lender stating due to the NPV findings they would not modify me. However i believe the NPV test is incorrect as the reason i am not being modified is due to the fact the investor would like their money in the time frame allotted in my original mortgage agreement and lowering my rate or payment and or extending my terms would not allow that to happen. I believe i am a victim of a scam as my original lender and investor was XXXX who was bought out by XXXX in which awarded home owners money for the scam created by XXXX XXXX. I do not believe the documents in which i signed were legit at the time i opened this loan and i am also convinced it was predatory as my rate is well above the average rate at this time. I also requested a copy of the pooling and service agreement and still have not received it and also i do not belive the mortgage documents and assignment of mortgage is correct. I am in a non judicial state on which the foreclosure process is less and i do not have my day in court however my lender was brought up in a federal suite and lost and i believe my mortgage qualified as part of that suit. I would like answers to these questions in which the lender has been avoiding for some time as a 12 % rate is unrealistic and is predatory. I believe the lender is keeping this information from me to avoid being fined and sued for wrongful foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to update/correct my personal information on file .All personal info is incorrect Please inform EXPERIAN to remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps sending me emails with no unsubscribe link. I only want their spam to stop filling my mailbox. They always send me things say I qualify for this and that and then if I try to apply I never qualify for them.. even though I was qualified according to experian. Also, they say they will continue using my information after I have nothing to do with them. Experian is bad business. I have some obvious identity theft on my credit report also and nobody will do anything to help with that. Dismantle the entire system of fico which I just found out is the name of a company and also some requirement to do things with the government and even employment? How is this allowed to happen?