23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following accounts on XX/XX/XXXX7 with Equifax. On XX/XX/XXXXafter accessing my account online, it shows that betweenXX/XX/XXXX-XX/XX/XXXX, the following items XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX were deleted from my credit file. On the same date it was showing said items were removed from my credit report, it also shows that between XX/XX/XXXX-XX/XX/XXXX the same items were reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated 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.
Product: Debt collection

Subject : Request for Debt Validation Under USC 15 1692g XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear NATIONAL CREDIT SYSTEM, Re : Validation of Debt for Account Number/Reference Number : XXXX I am writing to invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g , to request validation of the alleged debt referenced above. I request that you provide me with the following information to validate the debt : Detailed Payment History : Please provide a complete and detailed history of payments made on this account, including the dates and amounts of each transaction.

Original Contract with Signature : I request a copy of the original contract or agreement that bears my signature, indicating that I agreed to the terms associated with this debt. 

Insurance Claim Records : Has there been any insurance claim filed in relation to this debt? If so, kindly provide detailed information regarding the insurance claim, including dates, amounts, and outcomes of such claims.

Chain of Title : Please provide documentation that clearly demonstrates the chain of title for this debt. I need to see the records of ownership transfers or assignments that give your company the right to collect on this debt.

As per 15 USC 1692g, I am entitled to this information. I anticipate your prompt response to my request within the legally prescribed timeframe. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to dispute inaccuracies on my credit report, which I obtained from your agency. According to the Fair Credit Reporting Act ( FCRA ) section 15 USC 1681, I have the right to dispute any inaccurate information on my credit report and have it corrected or removed. 
Specifically, I have identified the following errors on my credit report : Portfolio Recov Assoc XXXX I request that you investigate these inaccuracies and correct them promptly. As per the FCRA, you have 30 days to complete your investigation and provide me with a written report of the results. 
In addition, I request that you provide me with a free copy of my corrected credit report, and that you notify any creditors or third parties who have received my credit report within the past six months of the corrections.

Please be advised that failure to correct these inaccuracies may result in legal action under the FCRA. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.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 reporting or other personal consumer reports

I need your help regarding the false account reflected on my credit report. This has harmed my standing as a customer, and I am reaching out for your assistance. These accounts need to be removed because they are reported inaccurately and are negatively affecting me.
Product: Credit reporting or other personal consumer reports

Consumer reporting agency Experian, XXXX, and XXXX is reporting false information and or information without my consent. They have failed to do investigations into these negative accounts that has caused me hardship in obtaining a car and house for my family and has caused massive pain and suffering. I have reached out to them to remove the negative items being reported, however they just say they verified the information. Furthermore, I have disputed these negative items on my report and they still have yet to properly investigate or verify information they are reporting. Violation of Tilte 15 usc 1681, and 6805. Also violation of my privacy per the privacy act of 1974.
Product: Credit card or prepaid card

To whom it may concern, Two weeks ago on Thursday, XX/XX/XXXX I received a call from Citi saying that after an internal investigation that my claims that you did not change my credit card account to my new account were indeed valid ( after 6 calls sinceXX/XX/XXXX ) in the investigation proved that city was wrong. The fact that after a perfect payment history I was doing a 30 day late hit on my credit reports were most definitely your fault. 

I was apologized to. I have a recording from your company XXXX representative ) who reviewed the recordings stating that my credit would be corrected and I would be issued a fax letter to my mortgage lender as Im in the middle of purchasing a new home. That you were sorry and would immediately correct this error. 

This credit hit is greatly affecting my loan APR and mortgage rate. 

Alas two weeks later no one has sent a fax I called and was on the phone for over 3 1/2 hours yesterday. I was run through XXXX call centers multiple people everybody contradicted everybody. 

I want this issue resolved tomorrow or Im going to get everyone I can involved with this. this problem will not go away. 

CITI messed up and needs to correct the issue as they guaranteed me they would. My mortgage lender is waiting on the faX that you guys promised. half your team says that they cant send a fax after the first three or four people Ive talked to said they would send a fax. again yesterday I was promised another fax the response being 24 to 48 hours. 

Please review my account and fix it accordingly I expect a call from you guys tomorrow XX/XX/2019 Wednesday. 

I close on my house next Wednesday. 

Please review all notes recordings and documentation related to my file. I do not feel like explaining myself one more time. 

Also I need an a mediately correction with all three credit bureaus XXXX, XXXXXXXX, and XXXX XXXX. 

The investigation was complete XX/XX/XXXX that is nine business days ago. I was told 7 to 10 business days tomorrow is your 10th day. 

All late charges and interest accrued due to your air need to be re-compensated to myself. 

Regards, XXXX XXXX XXXX Citi diamond preferred card # XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I noticed some unauthorized transactions on my account with SoFi Bank, I contacted customer support who helped me with filing a dispute on the charges the total amount was for {$65.00} on XX/XX/XXXX the bank reimbursed the charges siding with me on the fraudulent transactions. 
Fast Forward to XX/XX/XXXX I am going though my account records for tax purposes when I start noticing charges that are from the same vendors as then I ones in XXXX but these charges range in date from XX/XX/XXXX - XX/XX/XXXX I immediately contact the bank again informing them of this discovery, A dispute was filed and the bank started an investigation into it. The total amount of disputed charges was {$1100.00}. On XX/XX/XXXX I recieved a communication back from the bank saying they were denying my dispute and the findings in their investigation would be provided at my request, so indid request them, they provided me with a few pictures showing the charges being processed by the vendors. So I went ahead filed another dispute with them about it and was informed that the investigation could take upwards of XXXX months but that it would be completed by XX/XX/XXXX, I recieved a final response from the bank the following day XX/XX/XXXX informing me that they had made a final decision regarding my dispute and that it was closed indefinitely with their denial stating that aside from the previously provided reasons for the denial they deemed the activity in the account to match spending habits in my account.I asked them how it was that the charges I had incured in XXXX of XXXX were found to be fraudulent but the ones recived by the same vendor over the course of the XXXX months prior to XXXX were not fraudulent, I still have recived no answer or any other communication from them regarding this matter.
Product: Credit reporting or other personal consumer reports

i sent multiple letter regarding inaccurate information on my credit report its been over 60 days and i have not seen any results this isnt a regular dispute i have filed with XXXX XXXX XXXX  and the federal trade commission this needs yo be resolved asap or i will file for litigation
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Things are still being reported inaccurately inquiries that I have not applied for are being reported that are not associated with me
Product: Credit reporting or other personal consumer reports

I did not authorize my debt or personal information to be sold to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$550.00} I did not authorize my debt or personal information to be sold to Midland Credit Management on XX/XX/XXXX in the amount of {$570.00} I did not authorize my debt or personal information to be sold to Midland Credit Management on XX/XX/XXXX in the amount of {$590.00} I did not authorize my debt or personal information to be sold to Midland Credit Management on XX/XX/XXXX in the amount of {$700.00} I did not authorize my debt or personal information to be sold to XXXX XXXX  on XX/XX/XXXX in the amount of {$900.00} I did not authorize my debt or personal information to be sold to XXXX XXXX  on XX/XX/XXXX in the amount of {$1300.00} I have contacted these companies asking for proof of my consent and none have been able to provide me the proof that I authorized any of these sales of my debt or information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX  that is listed on my credit report and the account is not mine as it is fraudulent. The account says XXXX XXXX and Ive had version phone service since XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a dispute about deceptively misleading marketing was brought to Synchrony Financial, XXXX Synchrony Bank, XXXX PayPal Credit. Creditor continues to post derogatory comments to XXXX and other credit reporting agencies while the dispute remains unresolved to date. 

Recent research of CFPB resources find that Synchrony Financial has a long history of deceptive business practices. My personal experience with them over the last six months has been most distractive and damaging to my credit report as reflected by XXXX. 

Please find attached correspondence with creditor.
Product: Mortgage

The lender Ethos Lending charged lock extension fee unnecessarily when they had required conditions in house for 10 days or more. Lender kept insisting on stamped received tax return when the return was already e-filed by tax preparer. We explained many times to the underwriter that the IRS will not re-stamp a e-filed tax return because it would require a new confirmation number and that it would confuse the IRS system. The Underwriter did not believe us until they charged us the {$650.00} lock extension. Then all of a sudden it was a non issue. The borrower was a XXXX and I had promised him a no fee loan. I as the broker had to reimburse him for the {$650.00} after the loan closed or he would have cancelled the loan. I repeatedly had asked XXXX XXXX the Sales Manager to refund me on this matter, however most of the time he did not return my phone calls or e-mails only to say that he would look into the matter. 
I think this is a way for them to make more money on their loans by having the lock period expire and then charging the broker for a lock extension. Their administrative side is also lacking because you could not talk to a underwriter directly. Only by email and most of the time you did not get a reply. Their former XXXX XXXX XXXX will testify that this is the truth as he agreed with me that it was the lenders fault for letting the lock period expire unnecessarily. I have enclosed a letter from the sales manager stating that he totally agrees with my argument and will go higher up for a solution, however nothing has been done to this date
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a State Tax Lien, docket # XXXX, being reported on my credit report under the public records section. I have sent numerous letters disputing this lien to Equifax, providing proof of their violation of the FCRA. Their response is that it is being reported correctly via a 3rd party XXXX XXXX. This is a blatant violation of the FCRA 623 ( a ) ( 5 ). If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Being that the original creditor is the XXXX County circuit Court, and they DO NOT report ANY information to the Equifax Credit Bureau ( which i have a letter stating as such from the court ), they are in violation. Also, as of XXXX XXXX, 2017 credit bureaus were supposed to remove all public records that were judgements and Tax liens if they didnt correctly have all information such as 1. Date of Birth 2. SS # 3. Correct Address 4. Correct name This record shows no such information, nor does it have 3 of the 4 needed to stay on a report. I have provided a copy of the final letter i have sent to Equifax. In it, you will see detailed information and PROOF, that this public record needs to be removed. I remind Equifax, 3rd party verification, does not constitute proof that this is valid, it proves that you are in violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mol 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any XXXX such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am trying to dispute my account with XXXX XXXX XXXX, and have not been resolved. This account has been closed and was taken care of. There are also 2 inquiries on my report that I do not recognize and they must be fraudulent. According to the Fair Credit Reporting Act, unverified and unauthorized items must be removed. Below are the dates of the inquiries that need to be removed and the other account on file. Please remove it asap. Thank you. 

Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX As you can see- they have it on there twice. 

XXXX XXXX XXXX XXXX XX/XX/XXXX - $ XXXX Credit card this was resolved and closed!
Product: Debt collection

XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed. I also received any information from XXXX or XXXX XXXX regarding outstanding debt I just saw it on my credit report.
Product: Debt collection

In XX/XX/2009we sold our home in XXXX Ca.  The mortgage company said they would give us a no interest loan for the difference in the selling price of our home.  We agreed to do it as I didn't want to jump on the foreclosure bandwagon, that was happening at that time.  Another reason I agree is there was no advisory language in the agreement, which meant to me that this would not be reported to any collection agency.  The money amount on the Promissory notice is different from the written amount.  The payment for the note was $1250.00.  I paid $50,000 on this note for my mortgage at XXXX XXXX XXXX  Then I lost my job after 34 years.  XX/XX/went out of business in the real estate scandals that went on inXX/XX/2009  They sold the note to XXXXl, I contacted them in XX/XX/2012and told them about losing my job and offer a settlement after many emails I finally received a response and their answer was no, they would not except my offer.  I went to an attorney and showed him the note and explained that was a note regarding my mortgage and I was told by the attorney that this note was illegal for many reason and that it was being report incorrectly, it was being reported as an account when it was actually a mortgage loan. I fought for years with XX/XX/XXXX in 2016 they sent me a notice saying that the debt is unenforceable due to the expiration of the applicable statute limitations.  My husband was employed throughout this fiasco, I ask XX/XX/XXXX on several occasions to take this to court so we could deal with it legally, they choose not to do it.  I believe it's because they knew this was an unenforceable agreement.  I am in the process of buying solar for my home and because of their derogatory mark on my credit and my Husband XX/XX/XXXX credit it is stopping us from purchasing it.  I have written to the Credit Bureaus disputing this account and they will not remove it because XX/XX/XXXXl keeps saying it’s a debt owed to them.  Our credit is perfect no missed payments, no collections, the only mark we have is for a contract that is unenforceable.
Product: Checking or savings account

PNC Bank purchased BBVA and had about six months to transition accounts. This past weekend, they eliminated BBVA access from customers from Friday-Monday, promising access within PNC 's new system would be up on Tuesday ( XXXX XXXX ). When I was unable to access my accounts on Tuesday, I visited the local branch and spent about an hour with my banker, completing a form which listed all my accounts that needed to be migrated to PNC. That form was sent by the branch to PNC on Tuesday. By Thursday, nothing further transpired and I still had no access. I contacted PNC 's leadership team in XXXX and, while they did not respond directly, they had someone contact me to let me know " they are working on this ''. As of this morning I still have no access and no one at PNC is returning calls or email messages. 
This situation was both predicable and avoidable and, once the problem was created and PNC was properly notified, they have exhibited seeming incompetence and indifference to finding a timely resolution, It is totally unacceptable for my wife and I to have to endure a full week without access to our accounts.