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

To Whom It May Concern, I am writing to file a formal complaint against Experian Bureau for their failure to properly investigate and correct inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

On XXXX submitted a dispute to Experian Bureau regarding a late payment reported on my XXXXXXXX XXXX account number ending in XXXX. I have never missed a payment for this account and requested that the credit bureau either provide proof of the alleged late payment or correct the error to reflect on-time payments. 
Experian Bureau responded, stating that the late payment had been " verified. '' However, they failed to provide any documentation or proof of the alleged late payment, nor did they explain the steps they took to verify the information. This indicates a failure on their part to conduct a thorough and reasonable investigation as required by the FCRA. 
After receiving this unsatisfactory response, I contacted the credit bureau again to demand proper proof or the removal of the inaccurate late payment. To date, Experian Bureau has not provided any sufficient evidence to support the claim of a late payment, nor have they corrected the error on my credit report. 
As this inaccurate information is negatively affecting my credit score, I am requesting the CFPB 's assistance in resolving this issue. Specifically, I am asking for : 1. A thorough re-investigation by Experian Bureau with clear documentation or proof of the alleged late payment, if such exists. 
2. The immediate correction of my credit report if no evidence of a late payment can be provided.

3. Confirmation that Experian Bureau is following proper procedures for handling disputes in compliance with the FCRA. 
Please find attached copies of my previous correspondence with Experian Bureau, including the original dispute letter and their response. I would appreciate your help in ensuring that this matter is resolved fairly and that Experian Bureau is held accountable for their failure to follow federal guidelines.

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX MN, XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
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. However, 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 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Bankruptcy XXXX XXXX : XXXX
Product: Credit card

For years Ive tried to get Old Navy to stop reporting negativity on my credit and they refuse. The account has been paid off for years but they never remove themselves. They keep finding a way to stay on my credit report and every year it is suppose to be removed they find a way to stay on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violate my rights. 

15 USC 1681 Sec. 602, states I have the right to privacy.

15 USC 1681 Sec. 6-4a Section 2 , It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment XXXX XXXX  account under an open and consumer credit plan as late for a purpose.
Product: Credit card

I made a hotel reservation with XXXX on XXXX XXXX, 2016 for a travel date in XXXX 2016. A few days before my trip I called the hotel to confirm my reservation. I was informed by the hotel that the reservation made by XXXX had been cancelled and there was no current reservation on file. When I went to the XXXX website, I discovered that the homepage was now a blank screen with a notice that stated XXXX has filed for bankruptcy and is no longer in service and that " in most cases, accommodation reservations have not been paid and the booking is not secure. '' I checked my Barclay statement and noticed that the amount of {$410.00} was charged on XXXX/XXXX/2016 by XXXX. I quickly filed a dispute with Barclay ( Case No. XXXX ) in XXXX 2016 and received a response on XXXX XXXX, 2016. The notice stated that I would receive a provisional credit for the disputed amount, the merchant would be contacted, and if the amount will be rebilled, that I would receive another notice. I did receive a provisional credit from Barclay in XXXX 2016, but I never received the additional notice Barclay promised when my account was rebilled for the {$410.00} a few weeks later. I did n't understand why I was being charged the disputed amount when I provided all the required evidence Barclay requested to prove my service was never received from the merchant that issued the charge. I sent an additional statement to Barclay regarding my dispute with the XXXX charges ( dated XXXX XXXX, 2016 ) and asked Barclay to reopen the case, but received no response. I contacted the dispute center on XXXX XXXX, 2016 to follow-up and found that no progress has been made in settling this dispute. 

It has been over 5 months since my initial dispute was opened and I have received NO communication from Barclay regarding its progress to resolve this matter. XXXX charged me for a service that was not received and has since filed bankruptcy. In fact, if the merchant 's website is visited, it clearly states that any reservations made with them are not secured or paid for. I do n't understand what other evidence Barclay needs to close this case. As a customer of Barclay, I would expect them to fight on my behalf against this type of fraud and financial abuse from merchants. Instead, they have neglected and ignored my claims.
Product: Credit reporting

On   XXXX    , I sent a certified letter to Transunion in order to dispute information, in regard to collection agency on my credit report. They received the letter. On   XXXX   XXXX   XXXX    , I received an updated copy of my credit report stating that  XXXX   XXXX  is verified as accurate and updated. I have never had an account with  XXXX   XXXX . If it is verified an accurate, I would like the documentation that Transunion has that show that this is verified and accurate. As  one  of the largest Credit Reporting companies, TransUnion should be well aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a  " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA - TransUnion is required to " ... promptly DELETE all information which can not be verified. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In authorized hard inquiries on my credit report must be caused from fraudulent activities
Product: Credit card or prepaid card

Enrolled in the Financial Relief Program where payments were {$73.00} for 12 months. In XXXX my MINIMUM payment jumped to over {$700.00}. I am still impacted by COVID as my husband lost his job due to the pandemic and I am the only household income. After speaking with American Express it was advised that after the program ends the consumer has to basically pay everything that would have been 'due ' during the financial program which is not assistance at all- it delays it but that is not helpful during these times. They only offered to get a personal loan, a new credit card or counseling. I have requested the documentation that was agreed to when I signed up for the program as well as I did not see any language that mentioned this. This is unfair practices to offer assistance then make the consumer pay it all at one time with no option for arrangements that will not negatively impact ones credit.
Product: Mortgage

My mortgage was sold to nation star mortgage lending from XXXX XXXX. Nation star has regularly stated that my escrows and payments were off so I paid thousands of dollars and my mortgage has increased from {$600.00} to now {$860.00} and I am on a fixed rate with FHA and continuously and paying money to nation star. I have talked to numerous people and nation star and keep getting the runaround even though they know it is messed up they still say I owe money and and am in fear of losing my home due to their shoddy financing practices
Product: Checking or savings account

My complaint involves two banks, XXXX XXXX XXXX XXXX, and Citibank. 
I did my banking with XXXX for several years. XXXX is a very small bank with very few branches in all of XXXX XXXX XXXX, and most of them in very inconvenient and dangerous locations. I found the service to be poor, and often uncooperative, so I decided to close my account. I decided to open an account with Citibank. I attempted to close my account with XXXX and they refused to allow me to do so. They basically held my funds and refused to close my account. I opened an account with Citibank and requested their help with XXXX XXXX The Citibank representative told me that I could wire-transfer my funds from XXXX to my new Citibank account. I did so with three wire transfers, as I was not totally sure how the process worked. But before I could complete the transfers, all of my funds, both the XXXX and the Citibank accounts, were blocked. 
I am presently without any and all of my money. No one will give me any information, and I desperately need help.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy ofmy Global Payments Check Services consumer credit report sent to me via mail.
Product: Credit card or prepaid card

I have a complaint with Chase Freedom credit card. I made a mistake with a payment I submitted on XX/XX/XXXX, and the payment was returned. As soon as I found out, I immediately called Chase to let them know. I called them to ask if the fees would be refunded since I was a long time customer and paid my balance each month. I haven't carried over a balance for a year or longer. I made another payment that was satisfied and clear my bank account. I noticed my available credit was a lessor amount. Today, XX/XX/XXXX, I called to inquire about the balance and payment. I saw the payment posted to my credit card, but was informed my payment was on hold. I continue to question why, if the payment posted to my transactions. I was informed my payment was on hold. The payment has posted to my checking account and to my credit card, but I can't use the payment I made on the credit card. I asked why, I was informed my payments would be on hold for four months because I had one returned payment. May I add, the fees were waived and credited back to my account. I was told the hold would be lifted after calling my bank to verify the payment, which I don't understand. They are holding funds they have posted to my checking account. I've checked my balance before submitting this complaint, but the payment hasn't posted to the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Equifax regarding my mortgage account with XXXX XXXX XXXX XXXX Since XX/XX/XXXX, they have been misreporting and changing my Date of First Delinquency. 
In XXXX of XXXX, I checked my credit report with Equifax and could see that XX/XX/XXXX was listed as my Date of First Delinquency in a string of late payments that went through XXXX of XXXX. 
This information matched my reporting from the XXXX XXXX XXXX. In XXXX of XXXX, I again checked my online credit report with Equifax to confirm that the string of late payments was removed since it met the seven year statute of limitations. Unfortunately the Date of  First Delinquency had changed to XXXX of XXXX. The Date of First Delinquency is the beginning of the seven year count for removal of late payments from a credit report. THIS DATE DOES NOT CHANGE!!! Even more disturbing is that by law the string of uninterrupted late payments following the First Delinquency Date are to be removed too. I disputed this information and no changes were made and the date actually pushed out again. 
Equifax has continually pushed out that date and I will never meet the seven year anniversary that will allow removal my late payments from my credit report. The Date of First Delinquency is now listed as XX/XX/XXXX. This reporting is in violation of the Federal Fair Credit Reporting Act. If you are unaware the FCRA law regarding the Date of First Delinquency and the following consecutive late payments please refer this complaint to your legal department. You are in violation and are now on notice. 
I believe this may be a computer generated issue and someone needs to review this historical information with common sense and not just assume the computer is correct. You are not reporting a full seven years, you are change the DOFD, you are removing single late payments and not adjusting the string of late payments that should be removed. 
I have attached two of my Equiifax credit reports showing the change in a date that should never be altered. Also attached is a letter from the XXXX XXXX XXXX XXXX notifying Equifax that it is reporting the information submitted by the bank incorrectly, that it is erroneous and needs to be corrected. 
Again, if you do not understand the law regarding the importance and removal of the First Delinquency Date and the sequential uninterrupted late payments, PLEASE REFER THIS COMPLAINT TO YOUR LEGAL DEPARTMENT!
Product: Checking or savings account

All 3 of my federal stimulus payments went via direct deposit into an account at td bank. This account is not mind and TD bank is doing nothing to rectify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to express my concern regarding the reporting of late payments on my credit report. Despite sending multiple letters to dispute these accounts, the late payment accounts are still present on my file. I have contacted the respective creditor regarding these late payments, and they have acknowledged the inaccuracies in reporting. They have agreed to remove these late payments from my credit report. 
I urge you to take immediate action to remove these late payments from my credit report, as they are inaccurate and are causing significant harm to my credit score. The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX - XX/XX/2022 ; XXXX - XX/XX/2022 ; XXXX XXXX XXXX XXXX. XX/XX/2022 2022
Product: Bank account or service

I have submitted disputes several times with Navy Federal Credit Union concerning accounts I held with Navy Federal Credit Union. XXXX continuously reports the disposition of the accounts incorrectly, and claims it is the data furnisher ( Navy ). Navy continues to claim it has correctly reported the accounts ( see attached documents ), but accounts continue to show late or " negative '' information in XXXX XXXX ( which is impossible as they were included in bankruptcy and closed XX/XX/XXXX ), and now most recently XXXX shows a balance and late for the past 12 months on XXXX account, which is impossible ( and illegal as the account was included in bankruptcy and discharged ), since the account was closed XX/XX/XXXX. It seems XXXX and Navy are not capable of reporting these accounts correctly, and would like the accounts removed, so that these mistakes do not continue. Attached is the communication between attorneys and Navy 's internal notes on my accounts.
Product: Credit reporting or other personal consumer reports

Penn Credit continues to report a collection account on my credit report without providing proper validation. I submitted a formal debt validation request in XX/XX/, and they failed to provide adequate documentation proving the debt is valid, that they own it, or that they have the legal right to collect it, as of XX/XX/. I have not received any signed agreement, chain of title, or full billing statements. Per FDCPA & FCRA, unverifiable accounts must be deleted. Therefore, I am requesting the immediate deletion of this account and its information due to lack of lawful validation and the harm caused to my credit profile and financial opportunities.
Product: Other financial service

my account on social security was changed to Wells Fargo account for my XXXX check to go into called Wells Fargo get run around called social security sill run around my check hs not been found as of today XX/XX/2017 this is second check XX/XX/2017 XXXX took all my money from check and returned XXXX illegal gar need my check what all my money return enclosed is letter from the Treasury
Product: Debt collection

design recievable solu at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been sending me collection notice in the amount of XXXX. The collection has been reported past due. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccurate information in my TRANSUNION credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

We tried refinance our duplex - rental property. We were told 3.5 % with half an point verbally as I wrote down when I first call.. 
We started the loan process, it stared with2 %, then 2.75 %, 3 % ... 
The original estimate closing date was XX/XX/XXXX, then XX/XX/XXXX. then XX/XX/XXXX We start the loan process at end of XX/XX/XXXX, as of today we still have not yet close the refinance, and the discount points keep going up? and the closing cost keep going up. 
I tried to contact and email the loan officer, I basically got ignored and receive no response from ... 

So Here I am filing Mortgage consumer complaint..
Product: Credit card

" ELAN FINANCIAL '' FILED A " FALSE " ; FALSE! POSTING ON MY ACCOUNT THAT IT WAS NOT ONLY CLOSED, BUT MY REVOLVING BALANCE TO BUILD MY " CREDIT HEALTH '' WAS ZEROED OUT ALONG WITH AN UNPAID STATUS. 

THIS ALONG WITH A RE-INSERTION OF A PREVIOUS PAID ACCOUNT THAT SHOWED CLOSED, LATE AND UNPAID AFTER SHOWING THE DIRECT OPPOSITE THE DAY PRIOR WHICH WAS PAID WITH A XXXX BALANCE RESULTED IN " MY CREDIT SCORE DROPPING " XXXX POINTS IN A MATTER OF " 12 '' HOURS. 

I WILL PROVIDE THE DIFFERENCE OF INACCURACY DESCRIBING THIS IN FULL DETAIL WITH THE ATTACHED FILES IN FULL DETAIL! 

XXXX/XXXX/15 - XXXX/XXXX/15.
Product: Payday loan, title loan, or personal loan

Best Egg reported my account 30 days past due on XX/XX/2022. They also updated my last payment received was XX/XX/2022 which is incorrect. 


Last payment made was XX/XX/2022 at 28 days past due. The payment was never 30 days or more past due and that is INACCURATE. 

Supporting documentation attached.