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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$4800.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$10000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$13000.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}
Product: Checking or savings account

They eliminated my overdraft protection after a direct deposit came in. This could not have been at a worse time because I needed to pay a bill!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1800.00} and XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian/XXXX has a account on my credit report that is not mine and is holding my lively hood up and making me disqualified to obtain a checking account /credit card. The negative item is remaining on report showing a negative effect when it should not be there at all. Whenever I apply for a credit to rebuild my credit score/history the deduct a large amounts of points for inquiries and I get denied for credit. I gave disputed my credit score with Experian letting them know my score should be at a XXXX they do not care about putting me in jeopardy and tell me they have absolutely nothing to do with this. I opened and checking account with XXXX XXXX then a week later I go to the branch located XXXX XXXX XXXX. XXXX, Ca bank representative name XXXX tells me that XXXX chose not to bank with me and is closing my account. He told me he has never seen this happen before. Upon opening this account I was asked who I currently bank with I told them XXXX XXXX and they asked for my account and checking numbers with schools first to offer me a joint opportunity and XXXX deposited a small amount to XXXX  account I was told as soon as the deposit come through to let XXXX know. I believe my information was shared for other purposes other than given to me
Product: Credit card or prepaid card

Received marketing materials stating that during a pacific window if I used my card I would be offered an incentive rate of 1.99 % until 2019 if the card was used for purchases. I used the card to purchase XXXX in airline tickets during the proper window and was not given the promotional rate. Instead when I inquired Citi Bank informed me that I had to enroll in a program to get this rate. The material was received at my house because Im an existing card member. I used the card for this purchase based upon the literature I received. When I asked if I could enroll and then get the rate applied retroactively they said no. The materials were very misleading.
Product: Credit card or prepaid card

I just tried to use my  Walmart cre dit card tonight   XXXX     and it was declined. I checked my account and found my credit limit was dropped from  XXXX  to  XXXX . I just recently paid my balance dow n to   XXXX  . It t ook about a week for this payment to post to my account. When it finally posted I made purchases totaling  XXXX . Now instead of having all this available credit which looks good on my credit report, my card is maxed out. I have had this card for about a year and a half and have never missed a payment. I called customer service and they said it was due to a recent credit inquiry that my limit was decreased. This is unfair and is not good on my credit which I have worked so hard to repair. I have 100 % on time payments on all credit lines on my report.
Product: Credit reporting or other personal consumer reports

1. Erroneous Accounts : Equifax is reporting accounts on my credit report that are inaccurate or do not belong to me. 
I have disputed these accounts with Equifax multiple times, providing all necessary documentation to support my claims. 
2. Failure to Validate Debt : Equifax has failed to validate the debt in question or provide any documentation from the original creditor proving the validity of these accounts. 
XXXX. Failure to Investigate : Despite my formal disputes submitted under the Fair Credit Reporting Act ( FCRA ), Equifax has not conducted a proper investigation into the matter. 
I believe they did not contact the creditors involved or take reasonable steps to verify the accuracy of the information. 
4. Refusal to Remove Inaccurate Information : After multiple disputes, Equifax has refused to remove the inaccurate accounts from my credit report, causing ongoing harm to my credit score and financial well-being.
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A, States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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. 

account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  XXXX  XXXX account # XXXX XXXX  XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX was paid completely and the company stated that they would remove it from my credit report. This has been disputed by XXXX, XXXX, and Equifax and they have not removed it from my credit report.
Product: Credit card or prepaid card

I am trying to remove myself as authorize user on my chase account.Chase is forcing to be authorize user the account rep is refusing to remove me I explained to them me and my are separated not talking to my wife.The account is affecting my debt to income ratio. I am asking to remove myself and off my credit reports.Rep hung the phone on me I asked to speak legal department and she was very rude. I should not have to be forced to be on account when it not my debt.
Product: Credit reporting or other personal consumer reports

LVNV company has reported on my credit report multiple times without providing adequate information like the ORIGINAL CREDITORS AGREEMENT BETWEEN MYSELF AND XXXX XXXX XXXX yet they are still reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was granted a discharge of my student loans due to a XXXX. At the time of my XXXX discharge I was current on all my loans, and have been in deferement. My Loans are with XXXX and XXXX  XXXX XXXX XXXX as, well as XXXX. OnXX/XX/XXXX it was reported to all three credit Company 's XXXX XXXX & TRANSUNION that my loans were discharged closed with XXXX balance. I got a letter from XXXX, & XXXX that they were sending over a request to update all my student loans with a XXXX balance. I got a email from XXXX  in my XXXX inbox account stating XXXX also was going to request the late payments to be removed as, my loans were in admin forbearance during the 90 day late payment in XX/XX/XXXX. I have proof of bost I have submitted disputes after disputes with all three XXXXTRANSUNION they refuse to remove the late payments, or close my student loans that have been discharged. These accounts were in good standing with no late payments. Also XXXXTransunion transefered to another lender there is only one lender.
Product: Debt collection

Dear to whom it may concern : I recently pulled up my XXXX and XXXX credit report and your company is attempting to collect a debt. 

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( XXXX ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( XXXX ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( XXXX ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company XXXX  days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Account Number : XXXX Best Regards, XXXX XXXX XXXX
Product: Student loan

Subject : Request for Specific Reason for Denial of School Discharge Application -Private Loans ending in XXXX, XXXX, and XXXX I am writing to seek further clarification regarding the denial of my school discharge application. 

I initially submitted a complaint to Navient on XX/XX/XXXX concerning my non-receipt of the school discharge application. Following this, I received the application on XX/XX/XXXX, completed it, and returned it to Navient on XX/XX/XXXX. Subsequently, I received a denial on XX/XX/XXXX stating : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct, and you do not meet the requirements for discharge based on misconduct by your school. '' I would like to request a specific reason for this denial, as the response I received appears to be a generalized statement that was sent to numerous other applicants who were also denied. I provided substantial evidence in my application, including documentation of my approved Borrower 's Defense case against ITT Technical Institute for federal loans. My private loans pertain to the same institution and the same period as my federal loans, where widespread misconduct took place. 

I believe I have met the necessary criteria for discharge based on school misconduct, and I am seeking a detailed explanation as to why my application was denied. I would like to know what additional information or documents I can submit for reconsideration of this application. 

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

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

484. Completed prompts in automated system to speak to service agent. System stated that Citi is experiencing a high call volume and I would have to call back later. The system then hung up on me. I attempted to call 3 or 4 times with the same experience. I then called Citi application/sales number XXXX. I was connected to a sales agent with ZERO delay. I asked the sales agent to be transferred to customer service because the automated system was BLOCKING callers from reaching the company. The sales agent was able to connect me to a service agent within 60 seconds. Unfortunately, that call was dropped after a min or two. I called the sales number back again to reach service. Again, no delay getting a sales agent. Asked to speak to service, this time, zero delay getting a service agent on the phone. My phone call concern appeared to be resolved. I am reporting this incident because it appear CITI is INTENTIONALLY making it difficult to call their service line during a time of crisis. This company is INTENTIONALLY making it difficult for customers to make receive any customer support and will likely result in many many less persistent customers getting additional fees that will directly benefit Citi as a result of Citi pretending to be unable to answer any customer service calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting or other personal consumer reports

CSRS , Inc, a collection agency, located in XXXX Maryland is conducting illegal and unethical credit reporting practices, by leveraging the credit bureau reporting agencies platform against consumers, by creating fake and bogus credit trade line entries, in order to collect, money, that were not obtained through lending organizations. For example, I received a sign-on bonus from a formal employer of XXXX while working in the state of Virgina, by law in the state of Virgina, bonuses are considered earned wages and not credit!!

After leaving the employer, within XXXX XXXXtime, the employer decided to ask for portions of the bonuses back. The employer after failing in an attempt to collect through the judicial system, has now decided to get CSRS , Inc, involved to collect on said bonus, however, again, bonuses are not credit, but wages earned in the state of Virgina. and can not be collected as credit debt. CSRS Inc, has manipulated the credit reporting agencies platform, by creating dummy trade-line accounts, listing the formal employer.as a creditor, which happens to be an XXXX XXXX XXXX and ( Not a lending organization ) based out of northern Virgina, which it fully doesn't operate under!! Therefore, CSRS Inc, is clearly using unethically and illegal practices in order to gain a favorable posture over a consumer. Moreover, matters between an employer and formal employee regarding wages earned or not earned, is a court matter, and not a collection agency, PERIOD!

CSRS Inc, is abusing the system and making a mockery of the industry wholistically!!! This company needs be stopped and investigated immediately. If this isn't addressed swiftly, considering the damages to my true credit reputation under fake and bogus trade-line accounts, I will sue all parties involved!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX IN THE AMOUNT OF {$1800.00} WAS PREVIOUSLY DELETED FROM MY CREDIT FILE AS I AM NO LONGER LIABLE FOR THIS ACCOUNT. IT HAS REAPPERED ON MY CREDIT FILE AS OF XXXX XXXX, 2017 UNDER A DIFFERENT COLLECTION AGENCY XXXX XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Mortgage

I am a Title Insurance Agent in XXXX XXXX, NJ and an underwriter for XXXX XXXX Insurance Company. I have XXXX matters that closed over a year ago which I can not issue policies to the new owners due to the fact that HSBC has not recorded the discharges for the seller 's mortgages, leaving them remaining open of record. Both of these matters were the subject of a short sale. This office holds the documentation wherein HSBC agreed to the terms of the short sale. However, after the closing took place, the mortgages were never discharged. I am under strict obligation by my underwriter to issue a title policy in a timely fashion, however HSBC is negligent in XXXX matters.
Product: Credit card

On XX/XX/year> I made a payment using the Upgrade payment system which they deduct the amount from my savings account. 
This was my return confirmation from them : Hi XXXX, Your {$190.00} payment has been scheduled for XX/XX/year>. On that date, your payment will be withdrawn from your XXXX XXXX XXXX account ending with XXXX. 
On XX/XX/year> I received notice from my bank. They withdrew this amount twice from my account under the same transaction number which this was not a double payment made by me and neither do I have auto pay. The company stated they would look into it, but I would have to wait up to 14 to 10 days for a refund on money that I did not give them permission to take or any access to it other than one payment. This is not the first incident that this happened three years ago they accidentally build my card to another person in a different state. Can someone please look into their practices as a try to mention that this couldve been an error on my part and I further informed them that this was not an error on my part after contacting my bank verifying transaction numbers in addition to verifying my confirmation number via email from them.