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

I am writing to express my growing frustration and concern regarding the numerous attempts I have made to rectify an inaccurate late open account on my credit report. Despite my ongoing efforts to correct this discrepancy, the issue remains unresolved and continues to have an adverse impact on my financial well-being. 

There is a late open account inaccurately listed on my credit report, which does not accurately reflect my financial history. This inaccuracy is significantly damaging my credit score, affecting my ability to secure fair lending terms and credit opportunities. 
I have diligently followed the prescribed procedures for disputing inaccuracies in my credit report as outlined by the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided clear explanations, supporting documentation, and evidence to substantiate my claim. 

Regrettably, my efforts have not produced the desired results, and I continue to encounter the following challenges : My previous dispute letters and supporting documents have received minimal to no response, leaving me unsure about the status of my dispute. 
The delay in addressing this inaccuracy has caused significant financial hardships and has adversely affected my ability to access credit and financial opportunities. 

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors, and I am fully committed to working with your credit bureau to ensure the accuracy of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that your credit bureau conducts a thorough investigation into this specific inaccuracy and takes immediate action to rectify it. Additionally, please provide me with regular updates on the status of my dispute, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, which serve as evidence of my earnest attempts to rectify this inaccuracy. I am asking for your immediate assistance to correct this accounts : XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$24000.00} ; DEPT OF ED/XXXX XXXX Opened XXXX XXXX XXXX Balance : {$12000.00}.
Product: Debt collection

I recently received a copy of my credit reports and noticed some erroneous items on my credit reports. Contract Callers Inc. is handling the collection of these accounts. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Contract Callers Inc. and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Contract Callers Inc. entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Product: Credit card or prepaid card

I applied for the Chase XXXX via JP Morgan Chase on XX/XX/22. I have credit monitoring, which specifically states to call me if credit is applied for in my name. I never received a call from JP Morgan Chase. Instead, I received a letter stating they was not able to verify my phone and needed to fax them or mail my personal information ( Driver 's License, SSN, Proof of Address, and Phone Number ), and my application is in a pending status. I faxed in my information on or around XX/XX/22. I called on JP Morgan Chase on XX/XX/22 to confirm if my information was received. I was informed it was and placed on hold. Before I was placed on hold, I informed the rep. that my application was in a pending status, so my credit should not be ran again. The rep. returned to the call and informed me I was approved. The rep. provided me with information regarding when I should receive my card and we ended the call. Due to having credit monitoring, I received an alert soon thereafter that my credit report had been ran again my JP Morgan Chase. They placed my application in pending status, due to my phone number not being on my credit report, yet my phone number was on my application. If they need to verify my phone number they should have called the phone number on the application when I initially submitted my application.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX, challenge letters & dispute were created to update name, address and social security and to delete misinformation regarding name, address and social security number. As of todays date no changes, deletions or updates have been made. Also, on those dates, debts were asked to provide information on validity of items on credit report. As of todays date, no information has been given.
Product: Credit reporting or other personal consumer reports

Over 90 days ago I requested XXXX and Transunion to remove a late payment that they are mis reporting on my credit report. They failed to do a resonable investigation and lied that they had completed their infestation. 

I would like to be sent proof of this investigation that verifies that what they are claiming ( 30 day late payment ) in fact is the case. I am requesting they spoke to and what documents they received to ensure accuracy in what they are reporting. 

I HAVE NEVER BEEN LATE WITH A PAYMENT TO ANYONE. and would like to be shown proof that they received to be reporting a late payment. 



Their late payment shows the following XXXX XXXX. XXXX  30 days late. account # XXXX
Product: Mortgage

My lender, XXXX has engaged in fraudulent activity on several different levels. This includes refusing my payments when my loan was not 4 months delinquent ; telling me my only option was to apply for modification ; refusing to review he documents i provided for modification ; lying about foreclosure proceedings being suspended while my application was being reviewed for modification and moving forward with foreclosure auction ; denying my loan modification application saying my loan was never eligible for modification because its more than 90 days delinquent WHEN THEY FORCED MY LOAN TO BE DELINQUENT BY NOT ACCEPTING MY PAYMENTS.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.
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 XXXX business days after the date of receiptXXXX 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 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: Debt collection

This company contacted me via their various alliases. I asked them to provide a validation and they produced a letter from another company. I do not know this company never had a relationship with this company and believe that they are attempting to extort me for monies I am not responsible. They should not have my information and they are attempting identity theft. They have absolutely no reason to be contacting me as I have requested validation on XX/XX/2021 they sent a fraudulant email on XX/XX/2021 not only totally out of compilance of their governing bodies compilance and procedure but not validation of all requested information and keep attempting to defraud and educated consumer. Enclosed you will find all of my exhibits and invoice. My certified copy is enclosed as I know the legal progess starts in the mail.
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 {$1000.00}, {$14000.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- REAL ESTATE LOAN 3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

I have a Capital One credit card I applied for a credit increase I was told I would get a letter in 12 day which I did today XX/XX/XXXX. Letter stated I was DENIED credit increase at this time. I stated a list of general reasons why it could be denied and not a one related to me so I called capital one I was transferred to one after another until finally the person said I was denied because of a late payment I ASKED WHEN WAS I EVER LATE THEY TOLD ME IN XX/XX/2018 I HAVE NEVER BEEN LATE AT ALL I HAVE ONLY HAD THIS CARD FOR 8 MONTHS BECAUSE I WANTED TO BUILD MY CREDIT RATING UP. I HAVE PAID ON TIME I HAVE PAIDED THE BALANCE ALMOST OFF EACH TIME SO IM VERY AWARE I WOULD NOT BE LATE I ASKED FOR A SUPERVISOR I GOT ANOTHER RUN AROUND THEN ON HOLD FOR 15 MIN. he KEEP SAYING IT WAS LATE SORRY CANT HELP YOU TRY AGAIN NEXT MONTH, I asked for someone else he said there is no one else that can help. I'm so angry with Capital one for putting me late when I know I was never one late. Im thinking to bring this to a lawyer and to count for miss representing my file / I hope you can help
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX 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: Debt collection

Dear DRS, I am writing in reference to my previous communication dated XX/XX/year>, in which I formally requested validation of the debt you claim I owe. To date, I have not received the requested validation and documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). Without the proper validation of this debt, your continued attempts to collect, including reporting to credit bureaus, are in violation of the FDCPA. The details of the alleged debt are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} Since you have not provided the necessary validation, I hereby demand that you cease all collection activities related to this account, including but not limited to, reporting this debt to any credit reporting agencies, contacting me by phone or mail, or initiating any legal action. Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal action for any violations of my rights under the FDCPA. Please confirm in writing that you have ceased all collection activities on this account. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding The following are accounts I am complaining against under my XXXX report XXXX Report And Transunion report XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Called claiming that I owed {$2000.00}. I asked for verification of debt, he said he did n't have to provide that. I asked for his name, he said 'I told you my name at the beginning of the call '. I asked for the company he worked for, he said 'Worldwide Asset Recovery '. I asked for the account number for the account he was referring to he said, 'you do n't know what bills you owe? '. 

He continually interrupted and would not answer the questions required by law. He said he was not required to provide any of the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from Experian is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with Experian
Product: Checking or savings account

AFTER CHECKING MY CHECKING ACCOUNT BALANCE I OBSERVE THAT SOME ONE HACKED INTO MY ACCOUNT ON XX/XX/year> AND PAID XXXX DOLLAR TO XXXX XXXX  THIS TRANSACTION WAS DONE BY XXXX XXXX AND THEN ANOTHER TRANSCATION ON XX/XX/year> AMOUNT OF XXXX DOLLARS WAS SEND TO XXXX XXXX XXXXXXXX XXXX XXXX. I THEN REPORTED THE MATTER TO THE BANK AND NOW AFTER 45DAYS THE BANK IS TELLING ME THEIR INVESTAGION IS SAY MY CARD WAS USED TO DO THE TRANSFER I TOLD THE I DO NOT KNOW ANYTHING ABOUT THE TRANSCATION AND I DO NOT THESE PEOPLE AND WHERE THERE ARE LIVING.THE BANK IS IS SAYING I WILL HAVE GO SPEAK TO THE PERSONS I DO NOT HAVE A CLUE WHO THESE PEOPLE ARE
Product: Credit card or prepaid card

The comenity website has been down for a week and they wont answer their phone to make a payment. My payment was due today and I couldnt make it on time because of their system being down.
Product: Vehicle loan or lease

Synchrony bank has a my motorcycle in credit report as a repoed it was almost but never was I have taken care of problem my bike is still in my possession and was switched to a different bank but payment are being paid and bike is with me
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Validation of Debt and Related Legal Authority ( DATA BREACH ) Dear XXXX, I am writing to formally request information and documentation related to an alleged, account or debt you have reported or are attempting to collect. This letter is issued, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable federal laws. 
1. Authority to Collect Under FDCPA Please provide validation of your authority to collect this alleged debt, including but not limited to : Documentation showing your legal right to collect this debt.

Evidence that you are the owner of the debt or documentation of your authority as an agent to collect on behalf of the owner.

2. Authority to Report Under FCRA I request written evidence of your legal authority to report this alleged debt to credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). Specifically, provide : A detailed explanation of how this reporting complies with FCRA requirements.

Documentation that verifies the accuracy of the information reported to credit bureaus.

3. Promissory Note and Securities Compliance If there is a promissory note related to this account, and its maturity date is beyond nine months, I request that you provide documentation supporting your authority to possess or be in possession of what may be considered an unregistered security. This request is made pursuant to any applicable federal laws, including but not limited to regulations enforced by the Federal Communications Commission ( FCC ), the Internal Revenue Service ( IRS ), or any other federal authority.

4. Securitization and TILA Compliance If this account has been securitized, I request, under the Truth in Lending Act ( TILA ), that you provide the following : All documents, including pooling and servicing agreements, related to the securitization of my account.

Any related filings with the Securities and Exchange Commission ( SEC ).

Documentation evidencing compliance with all applicable TILA provisions regarding disclosure and transfer of the account.Please note that this is a formal request for validation and verification. Until all requested information and documentation is provided, I dispute the validity of this debt and any related reporting. Any failure to comply with these requests will be considered a violation of applicable federal law.

You should ALREADY HAVE, if you're the Secure Party Creditor in the contract. It took longer the last time and I didn't receive ALL DOCUMENTS. 
I expect a response within the legally 15 DAYS mandated time frame. Failure to provide the requested information will result in further legal action to enforce my rights under federal law. 

Thank you for your prompt attention to this matter. I look forward to your detailed and documented response. 
Kind regards
Product: Mortgage

About six months ago I decided to start the home buying process, I am a mother of XXXX XXXX XXXX and work hard everyday to support my family ... I was referred to cook and castle by my realtor and without prior experience I had full trust in them, the lender stated he had experience in my type of loan and credit history. I provided all documents that were asked of me and also a co buyers documentation ... <P/>I was hopeful they would look over everything and point us in the right direction, and if we were not ready they would provide assistance in what needed to be done for the future. my lender gave the OK to look at homes even gave us a number of XXXX with 104 % financing all I had to do was put a good faith deposit.. I fell in love with a house so I put in the offer and the seller accepted my offer! We were ecstatic!!! <P/>The seller asked for XXXX dollars in a good faith deposit ..I was so nervous, that was a lot of money for me, almost half of my savings, but the seller put a contingency that if the loan could n't get approved she could keep my money, but my lender keep re assuring me everything was ok.. the further we got the more things keep coming up more money and more money needed to be paid. At one point I ran out of money but kept trying to keep up.. At no point did my lender say to stop this process, my credit was not ready at all ... and when the moment came and the seller asked to sign over my good faith deposit, he said " everything looks good '' and advised to sign it over ... After paying the appraisal..everyday something else came up that I needed to pay, nothing was ever for sure.. still no direction to stop and cancel He realized things were going wrong and things were over looked and I really was n't ready to buy a house ... the only reassurance I was getting was a promise he would pay back the good faith deposit if the loan fell through ... just keep saying in text that you could not put it in writing just to trust you.. <P/>This whole experience has been a nightmare for me and my family, I even took my son out of his school and put him closer to the new house .. cook and castle should have never let it get that far.. I trusted this lender to guide me in the right direction.. now My family is left with a empty bank account, no house and devastation At what point was he going to say ... XXXX you are not ready. <P/><P/>I am requesting my good faith deposit and appraisal/ inspection funds that I have lost in the process XXXX XXXX
Product: Credit card or prepaid card

I booked a hotel through Amex XXXX last minute on Tues, XX/XX/XXXX. The hotel was advertised as buy 3 nights, get the 3rd free. Great! Sold. Price per night was advertised at ~XXXX pts per night. I used XXXX points and was still left to pay $ XXXX as a balance. In the meantime, a $ XXXX hold was put on my card, an additional {$300.00} hold was put on my card at the hotel, and XXXX points were deducted from my accountfine. I assumed all would shake out after a billing cycle or two, but I was still confused about the rate I paid. 

When I called Amex customer service, I got the runaround and was told I couldn't get my own ITEMIZED RECEIPT of how much they were billing me per night for another 72 hours, well after my stay at the hotel ends. By my calculations, what they charged me was nearly 50-100 % more per night than booking directly through the hotel. However, I can't change my travel plans nor can I confirm this is the case because I can't get a receipt before my stay ends. I can only assume this is because their shady algorithm takes advantage of their own customers looking to book through the platform. 

XXXX XXXX XXXX they literally can not tell me what the advertised price was vs. what I paid, and they can not provide a receipt for 72 hours. I know they hope I'll forget about this, but I won't. Look forward to getting my receipt and getting my money and points back.
Product: Mortgage

Dear CFBP, Chase Bank has been abusing me as a customer. They have failed to account for my mortgage payments correctly. Chase lists that I have paid {$2900.00} to my principle but my average principle payment per month is about {$500.00} so this figure should be {$6000.00}. Also, Chase has mismanaged my mortgage banking records since XX/XX/XXXX and it has taken me over XXXX calls and XXXX emails and faxes to get my basic mortgage accounting records added up correctly. This faulty accounting and mismanagement of my mortgage payments is illegal. 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of account information regarding Account Number XXXX, reported on XXXX. XXXX, XXXX. 

Key discrepancies : 1. Monthly Payment : Incorrectly reported as {$0.00}.

2. Payment History : Details on last payment date, current payment status, and worst payment status need clarification.

3. Account Status : Derogatory status and remarks about repossession require validation.

Please conduct a thorough investigation and provide documented proof supporting the reported information. I expect a written response within 30 days, as per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX