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

Re : Failure to Enter Required Notice of Dispute Dear crpb pass this on to the CRA 's I am formally requesting that the following inaccurate information be removed for violation for the following : If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA providing notice of the dispute. Section 623 ( a ) ( 3 ).

Duties After Notice of Dispute from Consumer Reporting Agency A CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ) Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).

Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ) Notice that I now have the right to seek legal action against you for " negligent and willful failure to reinvestigate the disputed entries in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o '' ( XXXX XXXX Trans Union CorpXXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX ) ; or XXXX XXXX Trans Union Corp., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

I recently disputed the following inaccurate information with you and when I pulled my new credit report on the 31st day after you received my initial letter, this required notice of dispute was not present, and therefore, you are in violation of FCRA 623 ( a ) ( 3 ) and can not report this information.

I've included the most recent dispute reasons from my letter. Remove immediately : In touch credit union - deletion XXXX XXXXcorrection to be no late paymects I expect the removal of these accounts to be completed within 15 days, as well as the receipt of an updated credit report. 

Sincerely, XXXX XXXX P.s. 
You are required to delete this account by law within 15 days if you do not you are in willfull non compliance and I intend on pursuit legal terms to have this resolved
Product: Debt collection

I believe someone else is using my information and I have no history or account with XXXX XXXX
Product: Student loan

My private loans through AES are outrageous. I have tried to work with them. They give you no options to repay the loans. They keep tacking on fees and other charges. Each time I call I get a different story from XXXX of the customer service people. It is never the same. I am drowning in debt because of them. I have been unemployed numerous times over the last couple years. I call and they tell me i have to pay anyways. There is no income repayment plans. Nothing.
Product: Checking or savings account

On Thursday XXXX I was supposed receive my direct deposit through my Capital One 360 account and apparently there's an " technical issue '' that like me has affected thousands of customers getting their paychecks. They sended an email that said that the problem " should '' be " fixed '' by the morning of Friday XXXX but the issue hasn't been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. 


How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
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 ( 15 ) 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 General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX XXXX is reporting a balance of {$5700.00} when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. 

Regards, XXXX XXXX
Product: Credit card or prepaid card

I click the app it ask me to log in???? I'm confused at this point because it also says create new cashtag so I kno its cash app error I still have all my web recipes I hope that helps had XXXX in my account you cant call anyone and support is threw email I need my cash back I'm goin all the way with this one
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax and XXXX regarding their reporting of closed accounts on my credit report. These accounts no longer benefit my credit profile and are unfairly impacting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), Section 1681e ( b ), credit reporting agencies are required to ensure the accuracy and relevance of the information reported. The inclusion of these closed accounts, which are outdated and no longer relevant, this violates the requirements. Additionally, Section 1681c outlines specific guidelines for the exclusion of obsolete or outdated information from credit reports, which Equifax and XXXX are not adhering in this instance. 

Despite my attempts to resolve this issue with Equifax and XXXX, the closed accounts remain on my report without justification. 

This reporting has negatively impacted my ability to secure loans and improve my credit score. I respectfully request that your office investigate this matter to ensure that Equifax and XXXX comply with the FCRA by removing these accounts because they are inaccurate, obsolete, or unhelpful to my credit profile. 

Thank you for your time and assistance in this matter. 

Thanks, XXXX XXXX XXXX
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 confidentially under 15 USC 1681. 

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 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 an 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: Student loan

I had a private loan that had partly defaulted because of XXXX/Navient 's unwillingness to work with me with during a time I found myself unemployed. It was only after the loan defaulted that I was able to work something out with the debt collection agency, XXXX XXXX. The loan was eventually paid off as agreed under a settlement on XXXX, 2016. For several months I pleaded with XXXX the collection agency and with Navient to provide me with a letter that indicated the loan was paid as agreed. XXXX parties insisted that it was the other party who had to provide me with said letter. After many calls finally Navient sent me a letter on XXXX XXXX, 2016, but the letter as it is written is inadequate as it does not state in an unequivocal manner that the loan has been paid and completely satisfied. The letter they provided indicates that once the funds from the final payment clear, Navient would consider the loan fully paid. But my issue is that the final payment was made back in XXXX, 2016 and the letter was written in XXXX, 2016, I would assume that in 4-months time an electronic payment would 've had enough time to clear. I have called Navient multiple times requesting a proper letter that clearly states that I have paid the loan in full and as agreed but they are refusing to provide me with this letter, instead, and once again, they are redirecting me to the collection agency claiming that it is the agency that must provide such letter, but the agency fully rejects this assertion and sends me back to Navient. Every time I call Navient and request to speak with either a manager or their legal department their response to me is that they can only connect me with a supervisor 's voicemail and will not allow me to speak with their legal department. When I ask to get put through to leave the voicemail for the supervisor I am placed on hold and summarily get hanged up on, repeatedly. I have been getting the runaround for months now and have had it. Since they will not make this right I think it 's only proper to report them to the proper authorities in the hope that others will not have to endure the same heartache as I 've had to at the hands of this shady company.
Product: Debt collection

National Credit Systems XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00} National Credit Systems XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX at XXXX XXXX  XX/XX/XXXX {$4600.00} I called on several occasions and was told I had to pay that debt or they were going to keep harassing me and calling me
Product: Checking or savings account

Friday XX/XX/XXXX, I discovered my accounts were frozen. I called to verify why my accounts were froze and what I needed to do to unfreeze them. Chime told me to email countless documents to support for suspicious activity. Ive sent them every document asked of me. I was told the company would respond to my emails in 24-48 hours. It has been 3 days no response. Every representative tell me something different. I just want access to my money. I have no had access in three days.
Product: Credit card

Amex offer its Platinum card holders a {$15.00} per month credit for uber purchases. I used the card XXXX times over the last 3 years for purchases with XXXX. They refuse to give me the credit that they offer as a benefit. I spoke to XXXX at XXXX and he refused to give me the {$15.00} credit. I asked for a Supervisor to review the situation and still they refused to give me the credit for the 14 months that I was owed. Supervisors name is XXXX. I feel that they mislead me into paying a {$700.00} a year fee to get this benefit and now they won't give me the benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. 
The accounts attached below I am demanding a removal as a consumer.

15 United States Code 1681b- Permissible purposes of consumer reports ( a ) In general ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
Product: Checking or savings account

On XX/XX/2022 my checking account was hacked by a man that represented himself as being a XXXX support representative, I was having problems logging in to my XXXX  account, a qr code come up in the screen as I was logging in, the moment I scanned the code with my phone I received a phone call from the man described above, he asked me to log on to my XXXX account and he could help me log in, I did exactly that, it was at that moment he literally took over my phone, had access to my XXXX account that was also linked to my XXXX account thru my US bank , he did 3 transactions back to back totally XXXX, he used my name however he changed the phone number to his, I immediately called US Bank and reported it as fraud and closed out my checking account, after 3 wks US Bank denied my fraud complaint because they said I authorized it and it was my loss. I have requested the paperwork they used to make a determination of denial, I have yet to receive that, and the merchant letters that was supposed to go out to 2 of my debtors explaining why their debts was returned, after 6 wks they still have not received it and each time I call the fraud department I am given the go around and told the letters have been sent, I contact my debtors personally and each of them have told me they have not received them. My bank refuses to give me the information I need to fight this, they also continue to tell me this was my fault and there was nothing they can do because XXXX is automatically sent and because the hacker used my name as the recipient it is my loss. I thought that we was protected under certain laws if this happened? Apparently not, I have also filed a complaint with the XXXX XXXX XXXX and haven't heard from them either. This XXXX XXXX  up my life and took XXXX from me and I am being told I can't do anything about it, can you please help and give me some guidance?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint against Equifax case # XXXX regarding XXXX XXXX acct XXXX XXXX that is on my credit report. Just take a look at the documents I have attached from both Equifax and XXXX. None of their reporting is accurate and dont even match! This is unacceptable! This is where you can tell there was NO INVESTIGATION! I should get legal representation because According to Equifax response as I am quoting Please be advised that an internal review was completed and results were mailed to you. We hope this resolves your concerns. I never received any results or any response about the accuracy of the XXXX XXXX acct or investigation and steps that were taken to verify this acct! XXXX XXXX Another violation based on the last reported date on this XXXX XXXX # XXXX the last reported date of activity was back on XX/XX/XXXX I live in the state of Florida and XXXX statue of limitations is 5 years! This acct is well over 7 years. There is no date of delinquency, pass due XXXX reported XXXX This is a clear violation/s. Its been over 35 days and no response either by mail or phone calls from either party this includes XXXX XXXX, Equifax, XXXX or third party collections! Please provide detail results of how the investigation was conducted by whom and supporting documents that this account is accurate! If not please delete this acct from my Equifax and XXXX Credit Report. Thank you
Product: Debt collection

I have written this company several time as to how they verified that I owe them with out any response. 1. Original contract with my signature. 2. Proof I have a legal contract with the company. 3.How did you verify the information you have 4. This debt is not mine. ABILITY RECOVERY SERVICES. XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting

In 2014 I contacted XXXX XXXX credit bureau requesting that they open a dispute into the claims from this creditor and its representatives. This account, after investigation with assistance from the CFPB was subsequently deleted from XXXX but continues to report on my XXXX XXXX and XXXX files. I am requesting that XXXX XXXX credit bureaus please remove the entry/account from my credit file.
Product: Mortgage

Requested to apply for FHA Payment Supplement Loss Mitigation Option ( The provisions of this ML may be implemented starting XXXX XXXX and must be implemented no later than XXXX XXXX ). I was advised there is no program to apply for.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had inquiries that I didnt authorize on my report. Please remove these inquiries from my credit report INQUIRIEXXXX 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I XXXX XXXX made a money transfer through zelle a financial institution recommended by XXXX XXXX XXXX for the amount of XXXX dollars the transfer was made to a XXXX XXXX account belonging to my colleague XXXX XXXX zelle allowed the transfer of XXXX dollars only requiring the phone number no other information and transferred that amount to the wrong financial institution XXXX XXXX XXXX. This transaction was made on XX/XX/2019 I Made a claim with XXXX XXXX XXXX. Bank institution this claim was made on the XX/XX/2019 the claim came back denied on the XX/XX/2019. I was later informed by calling chase about the denied claim that that amount of money is now lost.
Product: Debt collection

Loan company looked up my number and address online and found distant relatives numbers. They contacted an aunt and uncle that I have not spoken to in years and told them I was behind on payments for my loan.
Product: Mortgage

I started a refinance on a property I owed with U.S. Bank on XXXX. They approached me about doing the refinance. I owe approximately $ XXXX on current loan. They assured me a better rate. Appraisal was done with a value of $ XXXX. I always gave them any documents requested within 24 hrs of request. Underwriting couldn't get loan processed within the 30 days. I was sent loan denial by mail on XX/XX/XXXX. I was assured loan would go through and was assured a loan rate of 2 %. On XX/XX/XXXX underwriting again did not get loan processed. They then asked to do a credit check and I needed to resubmit all bank documents again. I have a credit score of XXXX. I was not willing to give them the documents again and the loan is cancelled. The treatment I received by U.S. Bank was absolutely horrible and humiliatingly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Is reporting XXXX accounts on my credit report that is inaccurate. Accounts # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers. 
# XXXX # XXXX # XXXX # XXXX # XXXX
Product: Student loan

I requested a copy of my MPN for my consolidation loans in group XXXX from Nelnet. Nelnet responded on XX/XX/XXXX, with an incomplete, and what appears to be altered MPN. First, the document Nelnet provided starts on page 3 and does NOT match what is found on DOE website. I have included the blank form, along with the document Nelnet provided for reference. Clearly, these two forms do not match! Not surprisingly, the information Nelnet excluded is the specific information necessary to determine accuracy [ or lack thereof ] the amounts Nelnet claims I owe. This information includes identification of loans that were consolidated, the loan number of the original loan [ s ] being consolidated, and the estimated payoff of the loan being consolidated. Furthermore, the document Nelnet produced as the MPN for these loans is dated XX/XX/XXXX. However, a separate document Nelnet produced with my account summary indicates that the loan was disbursed on XX/XX/XXXX. These dates are 4.5 months apart. This document is also included for reference.