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

I am writing to file a formal complaint against XXXX XXXX for {$3000.00}, concerning their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I initiated a dispute regarding XXXX XXXX for {$3000.00}, as reported in my credit report. As per the FCRA, specifically under Section 611 ( 15 U.S.C. 1681i ), creditors are required to conduct a reasonable investigation upon receiving a dispute and provide verification of the disputed data. 

However, despite my repeated requests and the adequate time provided, XXXX XXXX {$3000.00} has failed to furnish any evidence or documentation validating the accuracy of this disputed item. This failure to respond appropriately contravenes the FCRAs provisions which are designed to protect consumers from inaccurate and unverified credit reporting. 

This unverified information has caused significant harm to my credit reputation and has been a source of considerable distress and inconvenience. It is my right, under the FCRA, to have accurate, fair, and substantiated information reflected in my credit report. 

Therefore, I am seeking the CFPB 's assistance in resolving this matter. I request that the CFPB takes appropriate action to ensure that XXXX XXXX complies with the FCRA regulations by either providing the required verification or removing the disputed item from my credit report. 

Enclosed with this letter are copies of the correspondence with the creditor and any relevant documentation supporting my claim. I trust that the CFPB will address this issue promptly and uphold my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely,
Product: Credit card or prepaid card

I cancelled Citibank credit card but I keep getting calls once a day to make payments. I do not owe any money to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained a copy of my credit report and discovered it contained an inaccurate report of a Bankruptcy filing. I have contacted the three credit reporting agencies ( XXXX XXXX, Equifax, and XXXX ) by mail ( certified copy is attached ) and was informed that this information is verified, or has been provided by a third party information collector. 

I also contacted the Bankruptcy Court of record and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. While this issue may not approach the threshold of Bankruptcy fraud by an individual or business, the practice undermines the entire system of these firms are allowed to publish old, outdated information and inaccurate data beyond the scope of the FCRA. Especially, in matters as dire as Bankruptcy. I am reporting this matter in hopes you will investigate these practices for I have been led to believe this is not at all uncommon and highly dubious. ( Please see attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX and equifax is reporting a bankruptcy on my credit report when the court said they do not report to the credit bureau. I asked the credit bureaus to remove it from my credit report and they validated that it was me but it was no way to validate it with the court which means it needs to be removed from my credit report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

I've checked my credit report and noticed some inaccurate information on my account. 

XXXX is reporting three incorrect late payments in the month of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I have written several letteter to the company to resolve this issue and have been completely ignored. 

Here is a copy of my latest letter that was sent to them. It has been of 45 days and no response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following XXXX Accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently checked my credit score and I have a debt on my report of XXXX for common wealth which when I looked it up it is a collections. This does not share anything in common with any of my other debts after reviewing my scores and would like it to be discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon securing an updated copy of my Credit Report, I hurriedly checked to see if the items I previously disputed were removed. I am disappointed to see that there are minimal changes made on my Credit report. Even though I'm grateful for the efforts done by the XXXX Credit Bureau, the XXXX and TransUnion Credit Bureaus had done nothing to correct my Credit file. Despite the letters I have been sending to the Credit Bureaus, only the XXXX Credit Bureau had done the right thing to remove the fraudulent items from my Credit File. I previously sent a letter to the Credit Bureaus on XX/XX/XXXX hoping that the Credit bureaus would take the initiative to remove the items that resulted due to the theft of my Identity. I am submitting this complaint through the CFPB to remind the Credit Bureaus of their duty to comply with the FCRA regulation section 605b and delete the fraudulent items completely from my Credit File. Once again, I am urging the Credit reporting agencies to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received letters from XXXX XXXX to the Estate of " My Name '', stating that they had been informed that I was deceased.When contacted, XXXX XXXX stated they had been notified by a " Credit Bureau '' that I was deceased. This letter was received on XX/XX/2020. On XXXX XXXX, I was informed by XXXX XXXX XXXX that they were unable to move forward with a request for a Home Equity Loan because I was reported as being deceased. After checking with the Credit Bureaus, I found out that this erroneous information was being propagated by Equifax. I spoke with a representative from Equifax on XXXX who verified that they had listed me as being deceased. She could not give me any information regarding where they had received the information regarding " my death ''. I was very uncomfortable regarding information that she said they needed before they would correct their mistake. Documents requested were a copy of my social security card and a copy of my Driver 's License. Obviously they were not as strict regarding documentation prior to asserting that I was dead and sending this information out to companies. 
I wish to make a complaint against Equifax and I want this information corrected without my sending my personal documents to an agency that obviously can't be trusted.
Product: Mortgage

I applied for a refinance with Green Tree Servicing , LLC ( where I currently have my mortgage ) on XXXX XXXX, 2015. The loan officer name is XXXX XXXX XXXX and he said that my loan is approved awaiting for the title clearance. I sent them the XXXX documents for about XXXX times and they kept saying that those documents were not the correct XXXX. They were doing this for over 4 months. Finally the manager at title company stepped in cleared the title with the documents that we sent. In the meantime the title company clearing the title, the processor at Green Tree closed the file without letting anyone know. I contact the manager at Green Tree for help and he did n't help at all. Now the title is clear and I want to close the loan asap. It looks like Green Tree does n't want to refi my home. Please help.
Product: Checking or savings account

I have a business checking account with Chase. I also have a business line of credit with Chase. I make direct payments to my line of credit every month. I looked in my business checking account and there was a withdrawal of {$830.00}. I did not know who this was and I called Chase. They did not know who it was and reported it as fraud and told me I should immediately close out my business account and they would refund the amount. Two days later I look in my Chase line of credit and I see they made an automatic payment from my checking account in addition to the {$1200.00} payment I made. In 22 years they have never taken funds out of my checking account and this was not authorized. I called Chase and told them it was them taking the funds out ( they were still not aware that this was Chase ) and they told me to come into the branch and sign a form to stop auto deduction which was never requested in 22 years but they needed this form signed. So I signed it. When they reversed the payment on my line of credit they charged me {$25.00} plus interest for 30 days. I have spoken to my branch and their finalizations is that they can't do anything that I have to call the XXXX number. I call the XXXX number and they tell me I have to go to the branch. Emails have gone back and forth from the XXXX number to the branch and each one blames the other. The incompetence of this institution is overwhelming. This has been going on since XX/XX/XXXX and it is now XX/XX/XXXX. I don't know how many consumers they have taken advantage of but I feel they should be reported and fined and should refund my money and the outstanding interest they have charged me for their own discrepancy. They are a multi billion dollar corporation and they can not even correct their own mistakes. I will be reporting this to the XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to obtain my credit report from Equifax on 4 different occassions and I have yet to receive my report. Everytime I try to access it online it will not allow me too. I have signed up for some 3rd party credit companies and based off of their site there are a lot of discrepancies that need to be fixed however I am in need of my most current up to date Equifax credit report.
Product: Credit card

I paid my card off XX/XX/year>. I got a text on my phone from community bank saying to call them so I did. I looked at my account online from them and it says I owe {$87.00}. I called and they explained I had an interest charge and late fee. I said Im not paying {$87.00}, I paid my account off and the lady said she would help me and I said ok but Im not paying {$87.00} and she told me to listen to her shes trying to help me and I said ok and she said she could get it down to {$73.00}, I said Im not paying {$73.00}, I will pay the interest charge that I had that made me have the late fee and whatever else fees were on there to make it {$87.00} and thats it. I said who can I talk to to get this resolved and she said I will get a supervisor that can help you better with this and she put me on hold and in a minute or 2 the phone hung up on me. I called back and the lady started talking to me and I couldn't hear her so I said I cant hear you and I said it 2 or 3 times and then when I could hear her I couldnt understand her because her accent was really heavy so I said I cant understand you and she talked a little louder and said can you hear me and I said I can hear you but I cant understand what you are saying. So she asked me if I wanted something and I heard transfer so I said I still cant understand you but I heard transfer so yes please transfer me, she put me on hold and after a few minutes someone got on the phone and was talking really fast and I couldnt really understand them but then the person said can I get the name on the account which I told him and then the person said you owe this much are you going to pay it today and I said I know you know who I am because you are being rude to me and the person hung up on me. This was on XX/XX/year> that I called. I havent received any bills or texts or phone calls/ messages from them at all since I paid off this credit card but when I owed them money I got a call and text several times a day so why didnt I receive a bill in the mail or a text or call/ message that I owed the interest.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX charged me for hospital, ER, and emergency department services on XX/XX/2020. I was no where near XXXX XXXX XXXX XXXX or ER on XX/XX/2020. The charges are fraudulent. XXXX XXXX 's is sending me threatening notices. The services I did receive on XX/XX/2020 were at XXXX XXXX 's XXXX XXXX XXXX XXXX no where near the hospital ) and all those services were paid 100 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give this company permission to view my consumer report. 

WFDS XX/XX/2021
Product: Credit reporting or other personal consumer reports

This is my second complaint. I filed a dispute with your organization last XX/XX/year> and explicitly identified the bogus accounts. There are still phony accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA has dropped my credit score by 93 points within the last 45 days. Due to an old collection account that keeps getting sold to a new collection agency. I haven't had any other activity on my credit in the past two years. The FCRA has also taken it upon themselves to change the status of my charged off accounts to closed accounts with an outstanding balance. Based on some research I conducted, accounts that have been sold to Collection Agencies should be considered paid off by these agencies to the debtor and should no longer be shown on my credit file, or should have a zero balance. I want an investigation done to consider why my score would go down so drastically based on an old collection account that was sold to another agency that started a new report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, and XXXX are still reporting public records in which the court has responded that they do not report public records. The information reported is inaccurate and according to XXXX, they do not pair social security numbers but the credit bureaus do. The last four numbers of the person social are reported therefore the numbers can be matched to anyone. Fox Collections also closed the accounts listed under them, they reported fraudulent information and agreed to delete from all three credit reports within 30 days. Fox Collections is still reporting 1 account to XXXX and XXXX ... see CFPB report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. I was late XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EQUIFAX CREDIT BUREAU is required to remove any account not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THIS UNKNOWN ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX : {$1000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, MI XX/XX/2023 XXXX XXXX XXXX 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

Experian Credit reporting company is who my complaint is in regards to. I called this company over 4 times and talked to 3 different agents the first agent transferred me without me knowing to fraud department. The agent XXXX kept cutting in and out. I asked her to call me back at my number she kept having me repeatedly tell her information I gave her already. I asked to be transferred and was sent to someones voicemail. Then I called back and I informed the next agent I was frustrated after spending so much time on the phone over 40 minutes trying to file a dispute he tells me to calm down and tells me he was going to end the call. I never used bad words or said anything other than what any other person would if they were upset I told him the customer service sucks and his attitude as well. Needless to say he hung up I told him I would contact the federal trade commission to file complaint because at the end of the day they are being paid to take disputes over the phone not hang up on people that have poor experiences with there company. They didnt try to fix the problem. I gave them my ssn numerous times and verified my address. I feel like they are not doing there job in addressing the main issue. All I wanted is to file the dispute inaccuracies on my credit report.
Product: Mortgage

Mtg servicing was transferred from XXXX to XXXX XXXX XXXX. The new company charges a fee to make an online payment via ACH. This is completely unacceptable. The new servicer also is not setup for ACH with large banks like XXXX. Both of the 2 ways I pay all my other mtg servicers this one does not allow. 
Better oversight is needed with servicers since I have no say in when or how many times my loan is transferred to stop the hassle with these transfers and to require I have a way to pay without a fee. 

Charging to pay via a bank account on the servicers website should be illegal. How is it remotely acceptable to charge to make a mortgage payment? 

Please work with this servicer to change this policy so I can make my payment.