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

I called Equifax XX/XX/2020 to delete an old address on my report. Equifax deleted the address per credit report XX/XX/2020 and the it was reinstated on my credit report within the same month. this clearly a violation of the FCRA section 611 : ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting or other personal consumer reports

I have requested you update my XXXX XXXX XXXX XXXX  ( XXXX  XXXX ) there is a lot of missing payments and incorrect information. I have in the past requested you update the following, XX/XX/XXXX needs to be updated as current ; I was not late for this payment as you can see it was current XX/XX/XXXX. 

Missing payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Current balance is {$780.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Product: Credit reporting or other personal consumer reports

Insurance paid off my loan in XXXX, due to totalled loss vehicle. As of today XXXX XXXX, XXXX, my credit report shows delinquent/ Repossessed/ Charge off for XXXX XXXX XXXX. I have documents from XXXX XXXX stating that my account was Paud in Full. This is hindering me from purchasing another vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my information on my credit report corrected
Product: Debt collection

On XX/XX/XXXX it was stated that I visited a facility for medical and/or health treatment. I believe that this is correct being that I have had Medical coverage with the state of Louisiana since the year of XXXX. I have filed a dispute for this matter. The account was assigned to XXXX XXXX XXXX on XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below.

I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : 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: Mortgage

Hurricane Harvey caused a hardship. We lost our company and called Bank of America on XX/XX/XXXX to see if they could help me. On XX/XX/XXXX, XXXX XXXX said she had good news for me. Since after a national disaster, it would be hard to pay 3 payments at once so XXXX XXXX was letting me pay these payments at the end of the note. Then XX/XX/XXXX, I received a letter from XXXXXXXX XXXX  that Bank of America sold my mortgage to them and they expected almost {$9000.00} the last day of XX/XX/XXXX. They told me Bank of America did not send an agreement like the had told me I had. I am attaching a description below.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe result from a data breach, fraud, or unauthorized activity. I request that you provide verifiable proof, including my signature or electronic signature, for any reported accounts or inquiries. This letter is submitted by me personally, not by a third party, and I ask that you review it carefully. 

I did not authorize any actions related to these accounts or inquiries, and I believe these actions violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, Section 605B requires the blocking of information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 defines permissible purposes for consumer reports [ 15 U.S.C. 1681b ]. 

Upon contacting the companies reporting these accounts, I found that these actions were initiated without proper validation or original documentation from the reporting entities. Since I never authorized these accounts or inquiries, they are inaccurate and must be treated as the result of either a data breach or improper reporting by creditors or third-party data furnishers. 

I request that you thoroughly investigate these items and remove them from my credit report. If you are unable to provide the requested proof of authorization, I expect these entries to be corrected in accordance with the law. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

-DEPT OF EDXXXX XXXX Balance - {$7100.00} Date Opened- XX/XX/scrub>XXXX XXXX  Type of account -student loan action took a letter no response
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I spoke with a XXXXXXXX XXXX Supervisor in the Loan department regarding how my checking line of credit was being report to XXXX, XXXX, and Experian credit agencies. The Supervisor said the issue would be escalated and that someone would e-message me or contact me regarding an answer to my concern. I never contacted regarding my concern, so today XX/XX/23, I called XXXX and spoke with a Supervisor in the same department regarding the same issue. The Supervisor informed me the loan was special, and that it was being reported as a revolving account because the account does not have an expiration date. I informed him whether the account is a revolving account or an installment account credit reporting agencies should not be able to access real time balances regarding this particular account or any other account for that matter. I informed him that the practice seems unfair and possibly illegal. Review illustrations of the e-promissary loan agreement from XXXX, my XXXX checking line of credit reports, and the checking line of credit statement ( XXXX of each month ) documents for proof.
Product: Credit card

I have called multiple times to have them lower my interest rate and they will not.
Product: Checking or savings account

XXXX accounts open at m & t bank under my name without my consent. I called the banks customer service center and was told all XXXX accounts were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I booked a hotel through XXXX and paid {$990.00}. I left earlier and paid on my way out in the snount of {$450.00}. I have contacted both XXXX and PayPal Mastercard about the dispute. The {$990.00} is still reflecting in the balance owed to paypal.
Product: Mortgage

My mortgage lender Umpqua Bank has engaged and conducted an illegal foreclosure sale. Umpqua Bank has failed to follow the guidelines and policies and procedures that MUST be followed when servicing a government insured FHA loan. A denial letter that was received indicates that if an appeal is requested, that there is a 30 day appeal review period, and Oregon and federal law prohibits a foreclosure sale to be conducted prior to the expiration of this appeal period. However, Umpqua Bank and law firm XXXX neglected to consider this and moved forward with and conducted an illegal foreclosure sale despite the fact that an appeal was requested. I have attached documentation to back up this assertion. 

Additionally Umpqua Bank and XXXX failed to offer Occupied Conveyance as an option. The Occupied Conveyance paperwork was never provided for me and this option was never offered, even though FHA and HUD REQUIRE that FHA loan servicers provide this option. 

I have owned my home in XXXX Oregon for sixteen years. I refinanced into an FHA mortgage loan that is serviced by Umpqua Bank, and after being injured on the job and forced to take an early retirement have been trying to resolve a mortgage delinquency with them. On multiple occasions I asked Umpqua Bank to work with me and consider me for all of the government FHA programs that they have available. They told me on XX/XX/XXXX that I was denied, but I believe significant errors were made so we requested an appeal. I believe that if I were given the option of a review based on my appeal and the chance to point these errors out that I would have had the denial overturned and gotten approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Was Never Late on the Payments of the accounts Listed Please show me documentations showing proof of transactions showing I was ever late to Support your inaccurate Reporting on my accounts, IF you can not Supply this Please Delete these Allege late payments from my Credit Report, These are Invalid late payments, The FCRA allows 30 days for this to be rectified.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I spotted some unauthorized inquiries that needs to be deleted effective immediately
Product: Debt collection

I have told this company several times that this debt was paid 12-14yrs ago. We believe the debt was paid to a company that sold it off before they noted the payment. We never heard from either the original creditor or this company since XXXX. In XXXX they started to call. 

Convergence Outsourcing XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

After XXXX  years of Requested disputes company has still refused to investigate issues related to file. Attached youll see my private XXXX file and will see how its been locked, validated and reviewed. XXXX was the only company to comply with FCRA standards and CFPB dispute information. Company has failed to review files within XXXX days, ignored calls for dispute request and cause financial and emotional distress without compensation
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I have TRIED to contact Experian directly -- over twenty ( 20 ) times -- but ALL that they now have is several infuriating " customer service numbers '' : NONE of which leads either to a real person, or any of their canned menu options relating to my problem, below. 

Second, I was simply trying to place a " one time use '' release on my Experian " Security Freeze ''. Their website is great -- it allows you to fill out a form to do exactly this. The problem of course is that IT IS NOT WORKING AT ALL! 

Third, so, still, no problem, right? I simply call one of their numbers to talk with a real person to solve this problem, right? SEE NUMBER 1 ABOVE -- THERE IS NO ONE 'AT HOME ' ANYMORE AT EXPERIAN !!! -- one of the 3 MAIN credit reporting agencies in the U.S.!!!
Product: Vehicle loan or lease

I Have a open loan with US Auto sales, Who sold out or went bankrupt! Sold the contract to some one else without me knowing which out me behind. Also i call the new company for them to tell me i have no included warranty with this car i been paying for, & that i have to find my own third party. I know i paid for warranty, i have documentation for that. So now i asked them why wouldn't the balance of the car decrease because of that, & they are giving me the run around.
Product: Checking or savings account

I received an email right before XXXX XX/XX/XXXX and another XX/XX/XXXX that I had applied and was approved for an account with Bank of America, which I did not. The first time they canceled and closed the account. This most recent opening i was told the same thing but still received a bank card in the mail with emails saying what to do with my new account.
Product: Credit reporting or other personal consumer reports

I have unauthorized and or fraudulent addresses and inquiries on my consumer file
Product: Credit reporting, credit repair services, 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. 

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 has violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XXXX
Product: Debt collection

I received a letter in XX/XX/2022 dated XX/XX/2022 from Fair Collections and Outsourcing, XXXX XXXX XXXX, # XXXX, XXXX, MD XXXX, claiming that I owed a debt of {$9300.00} from a lease with " XXXX XXXX XXXX  XXXX at C '' with unit number XXXX. 
I have never lived at such a location nor have I ever entered a lease with an entity known as " XXXXXXXX XXXX XXXXXXXX XXXX at C ''. Furthermore, the letter misspelled my name, indicating that the letter is either fraudulent or that the company did not do their due diligence to locate the correct individual. 

On XX/XX/XXXX I sent a Letter to Fair Collections and Outsourcing stating that this debt is not mine and that I had no dealings with the aforementioned leasing company. I further request that they stop contacting me regarding debt collections until they sent proof that I owed this debt. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Fair Collections and Outsourcing stating that " [ my ] account has already been reported by our office or is scheduled to be reported '' to the three national credit reporting bureaus. 

Fair Collections and Outsourcing ignored my request to provide proof of debt and threatened to report me to the credit bureaus, in violation of federal law.
Product: Credit card

I have an American Express credit card. They tried to charge me interest even though I have automatic payments set up to pay the entire balance each month. Before this, I never paid interest charges and there should be no interest charges. It first started last month and this month the interest charges more than XXXX from last month even though my statement shows that the full balance was paid. Again, there should be no interest charges for either month since I pay off each month 's balance in full since I started using the card for over a year. 
I talked to XXXX of their reps about this, and last month they refunded the charges. She said that there was a problem with their website. That might be true for XXXX month, but as a XXXX for over XXXX years, I can tell you that if the same problem resurfaces the next month, it is not a bug. It is a " feature '', or desired behavior by the company 's executives looking to bolster the bottom line at the expense of their customers. I think you should investigate and prosecute the executives in charge of this. You should publicize the investigation and also fine them large amounts of money in order to discourage such behavior by others. 
They may claim that they are offering refunds to all customers that call them. However, what about the customers that do n't look at their statement very carefully and just pay the specified balance? In that case, they simply pocket the money and the customer is none the wiser ... They are purposefully ripping people off. The company needs to pay a large fine and someone needs to go to prison over this ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written letters to Experian twice pertaining to removing old addresses from my account because I could be susceptible to identity fraud. All they do is update the same information. I dont live at the addresses and Im not reachable there as well. I need this resolved immediately.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay!
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>