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

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX Re : Account # XXXX Subject : Final Request for Correction of Credit Information Before Formal Complaint Dear XXXX XXXX XXXX XXXX I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : Account # XXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score.

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : XXXX Cc : CFPB FTC States Attorney General
Product: Checking or savings account

My account of 16 years with JPMorgan Chase was closed on XXXX after I scheduled transfers from my XXXX XXXX account the day after I was to be paid by my employer. Nobody in security contacted me to ask what was happening. I went to a local branch who contacted security for me and security refused to assist. Chase is being arbitrary and stating I am not permitted to open a new account under my name.
Product: Mortgage

I have been harassed by Wells Fargo Bank staff named XXXX XXXX XXXX from with attached dunnest that she has mailed may 20-50 smilax dcouments and nothing afterwards. Many of the documents she sent me I had no pending compliant that she need to send me such documents. XXXX XXXX is only harassing us when she no reason to write to us when there was no pending complaint and at any time she provide more detail.as stated in the attached letter. 
On XX/XX/XXXX my loan was modified with first payment starting date on XX/XX/XXXX.

On XX/XX/XXXX I received letter regarding foreclose of my property from XXXX XXXX who was the same officer who approved loan modification. 
I received loan modification on XX/XX/XXXX and in on XX/XX/XXXX I received notice regarding foreclose. Matter of 7 days I received notice for foreclosure and its not past XX/XX/XXXX which is when first payments should start.
Product: Credit card

I am filing this complaint against Goldman Sachs Bank USA ( Apple Card issuer ) for wrongfully withholding my credit balance refund of {$3400.00} and failing to resolve the issue despite repeated requests. I've been trying to get this resolved for a long time, but only last week I started recording everything, so find below a summary of events : - XX/XX/year> : I formally requested Goldman Sachs to refund my overbalance ( credit ) of {$3400.00} to my bank account on file ( ending in XXXX ). The agent confirmed the request was submitted and there were no more disputes open. Screenshot is attached.

- Follow-Up 1 : Days later, upon following up on the status of the request, another agent claimed the refund could not be sent electronically due to the " amount being too high '' and promised a paper check. Screenshot is attached. 

- XX/XX/year> : I called to check the status of my refund request, and a supervisor informed me that it was denied by the " back office '' due to open disputes on my account. However, it's important to notice that [ supervisor 's words ] " these disputes total less than {$250.00}, which should not justify withholding of the entire refund ''. Even the supervisor acknowledged that this reasoning does not make sense. Lets break this down logically : My total credit balance is {$3400.00}. If Goldman Sachs is concerned about the open disputes, they can simply deduct the disputed amountless than XXXX XXXXXXXXand release the remaining funds. Even in the absolute worst-case scenario where all disputes are resolved against me, there would still enough money left as overbalance to cover any potential liabilities.

There is no valid reason to withhold my entire refund when the disputed amount is a very small fraction of the total credit balance. The logical and fair solution is to process my refund after deducting the disputed amount.

In summary, Goldman Sachs is unlawfully withholding my funds. Ive received conflicting explanations from customer supportone says the amount is too high to refund electronically, while another cites open disputes totaling less than {$250.00}. Despite this minor amount in dispute, the back office refuses to release my funds, ignoring logical solutions. Even a supervisor agreed that theres no legitimate reason to withhold my money, as deducting the disputed amount would still leave a sufficient balance to cover any liabilities. This situation highlights inconsistencies and systemic issues within their dispute and refund process.

Please note that my bank account information on file and mailing address are both verified and up-to-date.

Given all of the above, I formally request the immediate release of XXXX XXXX ( total credit minus the disputed amount ) via electronic transfer to my bank account ( ending in XXXX ) or an overnight checkwhichever is faster.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items that are inaccurately reporting on my credit file. The following items are reporting either in error or as a result of identity theft : Incorrect Name : XXXX ( XXXX  is reporting this incorrect name spelling ) XXXX  - XXXX XXXX - According to XXXX Open date XX/XX/XXXX and According to Experian Open date XX/XX/XXXX Bal : {$740.00} XXXX XXXX - XXXX ( reporting on XXXX, XXXX, and Experian ) XXXX has an opened date of XX/XX/XXXX and Experian and XXXX  has an opened date of XX/XX/XXXX. 

Unauthorized Inquiries : XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX ( 6 times ), 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 ( 2 Times ) I was never late on my XXXX  XXXX XXXX XXXX in XXXX or XX/XX/XXXX.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

PROFESSIONAL DEBT was mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Product: Debt collection

In XX/XX/XXXX LJ Ross Associates began contacting me about a debt that they claimed that I owed to them. During the initial phone call, which is recorded by the company, I disputed their claim informing them that I have no connection to or ever received any service from LJ Ross Associates. In XX/XX/XXXX I received a copy of my credit report and found that LJ Ross Associates is reporting an unverified debt. I have disputed this four times with all three credit bureaus and twice with LJ Ross Associates directly.

On XX/XX/XXXX I sent a certified return receipt letter requesting that they validate this debt they are attempting to collect within 30 days. They received the letter on XX/XX/XXXX and refused to respond yet continued to update their negative reporting on my credit reports every month following the receipt of the letter. On XX/XX/XXXX I sent a follow up letter requesting that they remedy the situation and they responded by sending me an account analysis from a utility company which does not validate that I owe a debt to LJ Ross Associates. 

LJ Ross Associates has failed to provide me with any documentation bearing my signature showing that I have a contractual obligation to pay LJ Ross Associates for the debt that they are reporting on my credit reports. I have never entered into a one month termed contractual agreement with LJ Ross Associates. However they are reporting these inaccuracies on my credit report in addition to a seriously past due negative payment history. I request that this entry be removed from all of my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Control continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Credit Control reported this entry XX/XX/2019 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Credit Control. To that end, I sent a letter to Credit Control. Credit Control has stated that the account was marked as in dispute in XX/XX/2019 ; however, my previous letters to the bureaus reflect that I was disputing this entry. Why then did they wait to dispute when I disputed with them directly. If they verified the entry as reflected on XXXX  report, then Credit Control should have updated the account to reflect disputed at that time not later. That is yet another violation of my rights. Entries should be updated as disputed with bureaus upon the bureaus responding in writing that the company, in this case, Credit Control, verified the entry. 

To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. This company has had months to respond to me with the financial responsibility page or anything that verifies this account indeed belongs to me ; yet they have not. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that Credit Control has no  intent to honor nor respond to my previous disputes with my signature reflected on the documentation ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am soliciting your assistance to put an end to Discover credit card 's illegal and unfair credit reporting practices as they are impacting me directly : There was an erroneous charge to my Discover credit card. My balance was {$0.00} at the time of the charge and I had no balance due. I was not made aware of the charged item until I received notice that My FICO had dropped nearly XXXX points as a result of a negative reporting from Discover. Because I had no balance due, as with most of my credit cards, I never stopped my busy life to review what should have been a {$0.00} balance monthly statement. 
Discover maintained they could not remove the late until the vendor acknowledged and corrected their mistake. 
Subsequently, the vendor acknowledged their mistake and reversed the charge. 
I followed up with Discover only then to be told by supervisor, ( insert name here ), they would reverse the late fee, but not the reported late payment to the Credit Bureaus that was destroying my credit. They maintained that the erroneous charge is not their fault, so they are not compelled to correct the record. 
Because of Discover 's purposed negligence and FALSE REPORTING, my current refinance is costing me thousands of dollars more. 
Please advise me on how to recoup my financial losses, current and projected, caused by Discover 's False Reporting. 
Please advise me on all of my legal remedies to force Discover to correct the record. 
Please advise me on all of my legal remedies to force the credit bureaus to remove the negative item from my reports without adding a dispute to my record even with Discover not currently following the law. 

Most appreciatively, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX, TransUnion & XXXX the major credit reporting agencies in the United States. I have recently gone through a dispute process with XXXX regarding inaccurate information on my credit report. Despite providing them with evidence that clearly showed their violation of 15 USC 1681i, XXXX, TransUnion & XXXX failed to conduct a proper investigation and continued to report inaccurate information on my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information they report about consumers is accurate and up-to-date. When a consumer files a dispute regarding inaccurate information on their credit report, it is the duty of the credit reporting agency to investigate the dispute and ensure that the information is corrected or removed. 
In my case, I provided XXXX, TransUnion & XXXX with proof that the information they were reporting about me was inaccurate and in violation of 15 USC 1681i. However, despite this, they failed to conduct a proper investigation and continued to report the inaccurate information on my credit report. This has caused me significant harm and has made it difficult for me to obtain credit or loans. 
I am therefore requesting that the CFPB investigate this matter and take appropriate action against XXXX, TransUnion & XXXX for their failure to comply with the FCRA and 15 USC 1681i. I believe that XXXX, TransUnion & XXXX actions have violated my rights as a consumer and have caused me significant harm. I am also requesting that XXXX, TransUnion & XXXX delete the inaccurate accounts on my credit report and take steps to ensure that this does not happen to other consumers in the future. I have evidence once again provided below with the violations and inaccurate reporting that XXXX, TransUnion & XXXX still chooses to report and a complaint filed with the XXXX  against them. Accounts as follows XXXX XXXX XXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX XXXXXXXX Acct XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  XXXX. These accounts ar earill repeoting In violation and not marked as disputes nor have some of the accounts been updated with the present date when experian said the accounts have been verified and updated
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX 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

An incorrect account is reporting on my credit report XXXX XXXX XXXX****
Product: Credit reporting or other personal consumer reports

Survivor communicated to Reporting Agency that there were adverse items appearing on his profile. The company failed to remove the adverse information. - [ ] The Bureau did not propose to prescribe what an adverse item of information in a consumer report is, because it may vary depending on the weight each individual user of a consumer report gives to certain items of information as well as the consumers individual circumstances. The Bureau stated this information could include the evaluation of factors enumerated in section 603 ( d ) of the FCRA on consumer reports such as : credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 1022.142 Prohibition On Inclusion Of Adverse Information In Consumer Reporting In Cases Of Human Trafficking As discussed below under 1022.142 ( c ) of the final rule, the Bureau is not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from trafficking.

- [ ] As explained in the section-by-section analysis of 1022.142 ( f ) below, the final rule requires a consumer reporting agency to provide written or electronic notice to the consumer within five days of reaching a final determination on a submission. The Bureau is implementing a multi- step process that a consumer reporting agency must follow when it receives a submission under 1022.142 ( d ) ( 1 ). First, 1022.142 ( e ) ( 1 ) provides that a consumer reporting agency has four business days from receipt of the consumers submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted this company several times asking them to validate this debt they claim that I owe them. They have been unsuccessful at doing so all they keep sending me is old billing statements from a XXXX phone bill. I have done further research and found out that this company is not licensed to collect in the state of Tennessee, which is where I am.
Product: Payday loan, title loan, or personal loan

I received a pre-approval for a personal loan in the mail. The letter included loan amounts, APR rates, and a confirmation #. As I currently hold some credit card debt, and need to replace the windows on my home, I chose to inquire to what I would qualify for on XX/XX/2018. I was immediately denied. In the denial letter SoFi recommended I visit their " trusted partner '' XXXX. XXXX is " able to approve some people that SoFi can not ''. I complained via email on XX/XX/XXXX, as I was denied for having " obligations exceeding income '' ( with no explanation as to what that means ) and despite having a credit score over 800. The reply stated that the factors evaluated included credit history ( score over 800 ), level of education ( XXXX ), years of professional work experience ( 3+ ), and income ( over $ 50K ). I responded that their letter stated one reason, but their generic email reply stated it was a constellation of factors. I also complained as it appeared that they send pre-approval letters in order to send applicants to their " trusted partner '' after denying them ( potentially making them more desperate ). My email was then forwarded to a customer service rep who responded on XX/XX/XXXX that she would like to schedule a meeting to discuss the denial. I replied that I was not interested in having a verbal conversation, and wanted their explanation in writing. On XX/XX/XXXX I received a reply from a different customer service rep indicating that they had written a " clarification '' letter that contained " additional details '', and that I would be removed from their mailing list. The letter states that I was declined for " excessive obligations relative to income '' and " other - does not offer credit terms requested ''. I responded with further questions - SoFi says they calculate my " obligations '' based on averages ( not actual figures pertinent to my situation ), so I want to review what those numbers are. And what does " does not offer credit terms requested '' meant as I had made no requests. I had requested no dollar amount, no APR - I was sent a pre-approval letter. I also requested that they delete the account I had to create as I do not want my account hacked and information stolen. The second customer service rep replied on XX/XX/XXXX that the calculated debt to income ratio would cause the possible interest rates to exceed what Arkansas restricts to. I don't live in Arkansas. He was also unable to give clarification on what number was calculated as my average as it is " proprietary company information ''. He did say my account would be deactivated, and I could visit their privacy policy webpage. I responded with the information that I do not in fact live in Arkansas, and that I would make a complaint concerning their business practices as they are opaque, and their goal continues to appear to be to drive would-be customers to a " trusted partner ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Original Creditor : 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