23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been disputing information on my report through Experian since XXXX XXXX and they are not using reasonable procedures to accurately update my credit information, this in violation of the FCRA. Most recently I disputed information regarding the balance and past due amount for XXXX accounts through XXXX and even uploaded a copy of account statements dated XXXX XXXX sent to me by the original creditor for both accounts. Both account statements show a balance of XXXX dollars and a past due amount of XXXX dollars. Yet the credit bureau continues to report an incorrect balance owed and past due amount, and they have incorrectly reported it since my first dispute in XXXX XXXX along with my most recent dispute in XXXX XXXX. Furthermore, I have contacted the original creditor making them aware of the inaccurate reporting and they have also not correctly reported this information to the credit bureau. The credit bureau is failing to follow reasonable procedures by just relying on the creditor for accurate credit information. Under 607 ( b ) of the FCRA, 15 U.S.C. 1681 et seq. once inaccuracy is determined, the credit reporting agency must use reasonable procedures to ensure maximum possible accuracy. This is my final goodwill attempt to have this matter cleared up and I 'm fully prepared to file suit against XXXX credit bureaus for, negligent and willful failure to reinvestigate the disputed entries in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C 1681i ( a ), 1681n and 1681o. The listed items are entirely inaccurate and represent a very serious error in reporting which is in direct violation of federal laws under the FCRA.
Product: Credit reporting or other personal consumer reports

There has been fraudulent accounts added to my consumer report, was deleted, then added again
Product: Credit reporting or other personal consumer reports

My account with the XXXXXXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

BECAUSE OF THE COVID-19 I AM REQUESTING XXXX TO CANCELATION OF CREDIT CARD EFFECTIVE TODAY XXXX TO IRS XXXX AND REMOVE ALL CREDIT REPORTING.
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting *validation ' ; that is competent evidence bearing my signature, showing that i have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Fallure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

According to the FCRA the list of accounts below have violated my right to privacy and confidentiality, and my right to be notified by written consents in a timely manner. 15 USC 1681 s2 ( a ) ( 1 ) ,15 USC 1651s602, and 15 USC 1681 s604a ( 2 ) protect consumers rights. The Cfpb " Notice to Consumers '', if any information that has been deleted from the consumer 's reporting file, the consumers reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion.On XXXX, I disputed several accounts on my credit report, the accounts were deleted, only days later to have those accounts reinserted.To date, I have not been notified of the reinsertion. 

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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called Experian XXXX different times and advised them they have my name incorrect on my credit report. The name still remains. My name is XXXX XXXX XXXX. They are reporting XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed discrepancies on my credit report, specifically under 15 USC 16c-2. Unauthorized inquiries are listed and affecting my score. Remove these unauthorized hard inquiries, please.
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 XXXXXXXX XXXX XXXX, has violated my rights.

Dept EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT ED/XXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights.

US DEPT ED # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT ED/XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights.

US DEPT ED # XXXX, has violated my rights.

U S DEPT OF EDXXXX XXXX XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights.

DPT EDXXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, 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 inaccurate.
Product: Credit card

I am writing to formally express my dissatisfaction with a recent experience involving credit card offers presented to me through the Chase mobile app, as shown in the attachment. On multiple occasions, I received offers for three different credit cards, each of which prominently displayed the message " You're Already Approved. '' This statement led me to believe that I had already been approved for these cards, with no further evaluation or credit checks necessary.

However, after proceeding with the application, I was informed that my credit report was pulled as part of the approval process. This made it clear that my creditworthiness was being assessed, and that the initial claim of " You're Already Approved '' was misleading.

Advertising credit cards with the phrase " You're Already Approved '' when a credit check is still required for approval is both deceptive and misleading. It creates a false sense of certainty about the approval process, while in reality, the application is subject to review and credit assessment.

I consider this to be a case of false advertising, as the information presented was inaccurate and caused confusion about the approval process. Additionally, I am concerned about how my personal information was handled during this process, given the misleading nature of the offers.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to report that my personal information was compromised in the 2017 Equifax data breach, where sensitive data, including Social Security numbers, birth dates, and addresses, was exposed. As a result, I believe I have become a victim of identity theft. 
A fraudulent account, [ XXXX XXXX XXXX  ], has appeared on my credit report. This account does not belong to me and is negatively affecting my credit. I have attempted to dispute this account with both the creditor and the credit bureaus, but it remains unresolved. 
I am requesting your assistance in investigating this matter and ensuring this fraudulent account is removed from my credit report.
Product: Debt collection

When this debt first appeared on my credit reports I advised that I did not open an account with Nordstrom. I sent letters back in XXXX and XXXX. No one has been able to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an acct with XXXX XXXX XXXX. I was in a car accident XX/XX/XXXX. I paid the monthly note until waiting on the insurance company to pay. On XX/XX/XXXX I received an deficiency letter stating below is the total balance and I had 20days from the date of the letter to pay the total balance after reading the letter I called Toyota spoke with a CSR and asked do I pay my XX/XX/XXXX car note minus the total amount of is my XX/XX/XXXX note due in this total by the due date? I was instructed to pay the total balance by the due date and I complied and paid the acct in full on time. I then received a credit alert and letter stating I received a 30day marker for XX/XX/XXXX when I called Toyota I was told it was for XX/XX/XXXX. I asked how did I receive a 30day marker for XX/XX/XXXX when they added my XX/XX/XXXX note to the total balance on the deficiency letter on XX/XX/XXXX and gave me 20 days after that date to pay it? This marker is not warranted, they added my XX/XX/XXXX payment to the total balance. I disputed it was updated to paid as agreed but they did not remove the 30day marker and this acct is closed
Product: Mortgage

Due to my place of employment changing to over XXXX miles away from my primary residence, I was forced to move and pursue a short sale of my property. I have been dealing with wells fargo ( my mortgage servicer ) for a year and a half and have gotten little to no assistance from the myriad of home preservation specialists assigned to me. My file has not been kept up with in a satisfactory way, has been handed off multiple times to specialists who do not engage in adequate communication with my short sale attorney, and dropped in and out of foreclosure status when it should not be. It is currently in a foreclosure status with a sale date, when I 've had a short sale contract in place for over a month plus all requested documentation being forwarded to them with receipt of reception. Today in particular when calling to speak to the specialist assigned to my account, I never had the opportunity to speak with her directly, but was forwarded to 4 different departments and spoke with 5 different people. It was not until I demanded to speak with a supervisor that I was able to at least be told that an email would be sent on my behalf to MY specialist assigned to MY account. This is ludicrous! How can I work with a specialist that can not be reached and that I 'm not allowed to contact? This complaint is for the home preservation department and their inadequacy to communicate with the parties involved to reach a resolution that is both timely and of mutual benefit to all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX
Product: Mortgage

Per the exact wording of the letter sent to me, electronically, dated XX/XX/XXXX. your direct quote is " As we have explained, the Assignment of Mortgage transferring the mortgage lien from XXXX to Chase occurred in XX/XX/XXXX. You have been provided a copy of this document. Your letter contends the date on which the Assignment occurred adversely impacted your ability to refinance your loan prior to that point. We assure you this document would not have prevented you from pursuing a refinance of your loan or pursuing a sale of your home. 
Further, the recording of the Assignment did not impact the foreclosure process initiated on your loan because the process did not result in a completed foreclosure and sale. As you know, you sold your property through the short sale process ; you were approved to sell the home for less than the amount you owed on the loan. The short sale was completed in XX/XX/XXXX, at which time the loan was due for the XX/XX/XXXX, payment. Accordingly, the foreclosure was canceled and the property did not go to foreclosure sale. 

This is considered as new and material evidence : : : : please research this matter .... 

There was an instance when I attempted to conduct a VA Streamlie with you. Upon receiving the documents, I found them rather confusing and unable to understand the language within the documents. Also, I was informed by a representative within your company, the second mortgage would NOT be subordinated. I am well aware there are logs of every call I made to you. I am well aware any incoming calls to an " XXXX, XXXX, XXXX, etc Area Code, has an internal system that logs calls. I will await these logs, to match my logs from any and all telephone numbers bearing my name with you. aLSO, THE MORTGAGE WAS NOT ASSIGNED TO YOU, UNTIL after the short sale proceedings were commenced. Am I correct, or do I stand corrected?? Also, the servicer of the second mortgage is aware of the subordination clause commenced by you.
Product: Checking or savings account

excessive overdraft upcharged fees throughout the year with Regions bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on XX/XX/19 pulled credit without my permission in which I did not give them. When calling XXXX they say they did not run hard credit but it shows on my credit reports. I want to see the document to where I agreed to run credit by XXXX XXXX XXXX.I don't want no excuse from transunion or XXXX the blame game. I want proof or removed from my credit file on Regular Inquiries
Product: Debt collection

very very hard time to cominicate with Law Firm Collectors, I` ll pay off my colletions but wan na find out after that what is next step and who is going and how my credit report. Calling them numerous time and they hang up on me every time. Need help!!! Please!!
Product: Debt collection

XXXX XXXX XXXX called me- they said they are Bull City Financial Solutions. They wanted my personal information. I did not disclose any more than my first and last name. I told them I had no debt and asked why they were calling me. They said they would not disclose why until they had more personal information from me. I refused and they hung up. I am reporting them because I believe they are operating a scam as I have no debt.
Product: Credit reporting or other personal consumer reports

Have a problem with experian credit reporting now I am sending this to legal departments. The child support needs to show me a court order. Before or after XX/XX/year> that states.i am behind on child support. The court order attached shows blank. I am not behind in child support. Like the clam I am. Show me hard documents. Yes I report them to the state and federal officers for fraud. This will be a law suit on every one who refused to send me hard documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third-party rep, there are accounts on my credit report that does not belong to me, and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX To 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, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block an items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items from my files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}
Product: Credit reporting or other personal consumer reports

ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX GROU XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. 
Additionally, I have not givenTRANSUNION permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated.

The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 
Without Prejudice, XXXX XXXX