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

please delete the following accounts and inquiries it's been a month since i send my dispute why they don't ressponse? please delete XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$13000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$130.00} XXXX XXXX XXXX XXXX {$490.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00}
Product: Payday loan, title loan, or personal loan

During XX/XX/2022, I was approved for purchase loan for {$360.00}. I called The XXXX XXXX about a XXXX case they are selling on their website for XXXX XXXX. I asked if this item will fit without any inserts, I was told this was a perfect fit. After receiving the Case, I noticed it was very big and heavy and did not fit my XXXX XXXX. On XX/XX/2022, I asked for a return label, they refused stating this was a Clearance item, which I am not aware of. Since this case did not fit my controller, on XX/XX/2022. I paid {$56.00} at XXXX XXXX and sent the case back. I was notified by XXXX, they received the return case. During this time I called the finance company, Affirm.com to report I return this case to The XXXX Hook Up. Several times Affirm tried to collect the payment after I advised them the item was return. On XX/XX/2022, Affirm stated they have close my dispute file and I will have to pay for a return item, otherwise Affirm will put the balance owed on my credit report. I am asking your help to resolve this matter before they put this return purchase on my credit report. Attached return label uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX dropped recently by XXXX points and I do not know why when all payments have been on time. Not understanding why this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX 2021 I submitted a dispute with EXPERIAN about 2 late payments that is inaccurately reporting to my Experian credit file. These 2 allege late payments are only reporting on Experian and no other credit reporting agencies. on XXXX XXXX 2021 I received a response from Experian communicating that the disputed item was " UPDATED '' but was given no proof as to how EXPERIAN investigated this matter and came up with the conclusion of " UPDATED ''. I am exercising my rights under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) requesting a METHOD OF VERIFICATION and I expect to receive within ( 15 ) of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. 

These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 

I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter to Alliant Credit Union on XX/XX/XXXX, I have since emailed the XXXX and the XXXX XXXX XXXX XXXX  and have yet to receive a response. 

On XX/XX/XXXX I deposited an insurance check into the account reference above. Before depositing the check, I spoke to the mortgage company and I was assured as long as the amount was less than {$20000.00} there would no need for an additional endorsement. On XX/XX/XXXX the check was returned due to the lack of the Endorsement that I was told was not necessary. Once I realized the check had in fact been returned, which resulted in a negative balance in our account, I immediately contacted the Alliant Customer Service department and explained the situation to ensure they were aware of the issue at hand. In speaking with the representative, I communicated to her that I would be sending the check via XXXX to the mortgage company to ensure the fastest possible response time, after speaking with the mortgage company I was told I should expect to receive the endorsed check with 10-14 business days. This would be late XXXX or early XXXX. I received the endorsed check on XX/XX/XXXX. Upon receiving the check, I in turned sent a check via US Mail, made payable to Alliant Credit Union in the amount of {$4500.00} which would resolve our account balance and bring it current. My family and I were out of town for the majority of XXXX. Upon returning home on XX/XX/XXXX, at this point I was under the impression the check had been received, since I had not received any correspondence via phone nor mail notifying me otherwise. On XXXX XXXX both my wife and I received an alert from our credit monitoring service that a collection account from Alliant Credit Union had been placed on both my wife and Is credit file with a balance of {$4500.00}, which resulted in not only a negative account on our credit file, but also caused an 80+ drop in our credit score. On XX/XX/XXXX I contacted Alliant and spoke to both XXXX and XXXX in the Loss Prevention Department. After explaining the situation to both ladies, I proceeded to a make payment via my debit card for the entire balance. Our intentions were always to resolve this account, and upon being made aware that the check that was sent on XX/XX/XXXX was never received I immediately called and resolved the balance owed. 
The purpose of this letter is to request to have this account completely removed from both XXXX and Is credit file immediately. It is my understanding the account was Closed on XX/XX/XXXX, it appeared on our credit file on XX/XX/XXXX and was resolved in full on XX/XX/XXXX. 
I would appreciate your expedited attention in having this matter resolved, since time is of the essence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of fraud and I want my financial freedom back. My complaint is against OPPORTUNITY FINANCIAL ACC # XXXX date open XX/XX/2016, status closed derogatory. I already tried disputing this with the company and they still have not remove fraudulent account from XXXX credit bureau, violating the FCRA in which the credit bureaus have to remove the fraudulent information. The FCRA requires credit bureaus to block the fraudulent information from my credit report as resulting from identity theft within 4 business days and to promptly notify the business that sent you that information. I want the mentioned account to be remove from my XXXX report as soon as possible due to the fact that it is a fraudulent account. Im attaching a Federal Trade Commission report, with letter sent to Opportunity Financial alerting them that this account has fraud charges. In the case that the account still remains in my report I will take legal action against Opportunity Financial. This is a clear violation to my financial rights and to the FCRA.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

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 based on the above sections so stated within the Fair Credit Reporting Act.
Product: Debt collection

XXXX has received from my lawyer 2 police reports with official letters. They did receive it 2 times in 7 months. 

Police reports # XXXX XXXX and XXXX has remove the collection : The Bureaus from my reports because the polcie reports clearly state that I was victim of Identity theft. 

XXXX don't remove it and everytime we try with my lawyer to contact them they don't care and don't respect the law. 

I need XXXX to remove immediately the false information that they are using on my credit reports by removing THE BUREAUS COLLECTION.
Product: Credit reporting or other personal consumer reports

On my credit report, it states that this account " needs my attention '' and it doesn't need my attention, because I've been making automatically payments since XX/XX/year>. It is hurting my credit report and others believe that I am not making payments at all. " Last payment amount " states {$0.00}. That is incorrect!! I make automatic payments every two weeks from my checking account.
Product: Credit reporting or other personal consumer reports

TransUnion routinely ask for Drivers License and Social Security Card which are items which banks use to create credit when performing a consumer transaction. My credit is an extension of my reputation. TransUnion continues to damage my reputation with fraudulent credit reporting causing me to have denial of credit. The Federal Reserve Banking Act Section 12 Part 1 States the ony entity that can deny credit is the Board of Governors.
Product: Credit card

Unable to convert/transfer my capital one venture X miles to an airline - loyalty program. 

Every time I attempted to transfer, it brought me to a verification page which is impossible to get verified. 

Have been calling and spoken to multiple customer services but unable to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my account balances are XXXX and I have notified the credit bureaus since XX/XX/2019 and they still showing balances incorrectly
Product: Mortgage

Loan servicer had to place insurance on property for 30 days and notified me I owed {$36.00} to reimburse them for this. I sent in the {$36.00} to them on XX/XX/2020. They then sent several letters, stating that I had not paid the amount and my monthly payment was going to be increased. 
I called on XX/XX/2020, and complained, they said they showed the {$36.00} payment in the system from me, but had not applied it to my shortage. They then said they would check it and left me on hold for an excessive period of time. I had to return to my work or risk discipline from my superior at work. 
I have tried to do the right thing here and they have taken my money, not applied it, then are threatening me with action against me, due to their failure to apply the payment properly. 
They should not be allowed to service loans. Please do not close out this matter without my agreement, even if they claim it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired Lexington Law for credit repair on XX/XX/XXXX, XXXX their service was terminated XX/XX/2021. 
I paid them {$55.00}. 
I asked them to cancel service because they did not provide me with copies of letters that they claimed to have sent out on my behalf. I had to argue with the paralegal -she refused to allow me to speak with a supervisor. When she refused to provide copies of what was allegedly sent on my behalf and refused to allow me to speak with a supervisor, I terminated their services. 
I received an email stating I would have access to my client portal for 60 days. They then shut down my access to the client portal. 
I was not seeing anything happening to indicate that Lexington Law had actually done any work ; they refused to speak with me. I filed a complaint with the XXXX  and today they sent me copies of what they allegedly sent on my behalf. 
Instead of mailing the letters so that I would not give up any of my rights -these lawyers filed disputes and challenges electronically. Their proof of work performed does not indicate beyond a reasonable doubt that they filed anything at all on my behalf.
Product: Debt collection

Approximately one year ago, I received a loan check in the mail in the amount of {$1200.00} from XXXX XXXX of XXXX, Tx. As I was struggling at the time, I went to a bank and cashed it. After spending {$90.00} that same day, I got cold feet and changed my mind ; I decided to return the remaining {$1100.00} to XXXX XXXX the next day. The following day, I did that, handing their rep {$1100.00}. I told him Id pay the remaining {$90.00} the next day. He told me that there would be an additional interest charge of {$30.00} so I would need to bring a total of {$120.00} to satisfy the loan. I agreed to do that. When I returned to their office the next day and handed the rep the {$120.00}, he told me that I would now need {$40.00} more. When I reminded him of the amount he told me to bring the previous day, he lied and denied saying it. I became enraged at this obvious attempt of extorting entrapment and refused to pay another penny. I then walked out. So to sum up, I cashed the loan check for {$1200.00} and spent {$90.00} the same day. The next day I returned {$1100.00} to their office and the day after that, I went back yet again to their office to give them the final {$120.00}. Several months passed and I received a letter from XXXX XXXX stating that I owed {$140.00} and needed to make payment to bring my account current. I was in shock and outraged. They knew very well that I spent only {$90.00} of the original {$1200.00} and I returned the remaining amount to them with interest within 72 hours of cashing their loan check. I ripped up the letter and vowed to ignore their criminal behavior. They proceeded to send me several more letters over the course of several months and to this date, now claim that I owe them {$650.00}. Im so physically and mentally sick over their lies and harassment that not only do I wish to have them stop contacting me. I now also would like to file a lawsuit against XXXX XXXX of XXXX, Tx for harassment and fraudulent debt claim. Can I do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX.
Product: Credit card

I opened a Sears MasterCard over the XXXX while shopping at Sears. I made one time purchase only in the amount of {$340.00} on XXXX/XXXX/16 and paid balance in full XXXX/XXXX/2016. I closed the account in XX/XX/2016, never use same account for any other purchase, did not even activated my Sears MasterCard when it arrived. 

However, multiple unauthorized transactions showed on my Sears MasterCard statement after the account was closed. I called Sears MasterCard at least four time during past several months ( XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016 ) to clarify the fact that my account was closed, none of the transaction was authorized by me. I was told every time on the phone, they will dispute the transaction and credit back full charges on my closed account. but months afterward, instead of credit back my account, I still have overdue on the account and affected my credit score significantly ( I was XXXX in XX/XX/2016, now only XXXX ). I called Sears MasterCard today, the phone ca n't evan go through ( seems line get disconnected ). 

I am extremely disappointed with Sears MasterCard by Citi. Feel like 1 ) my personal information leaked out during credit card application, which later on lead to credit card fraud. 
2 ) citi card / Sears MasterCard allowed fraud happen repetitively on a already close account 3 ) custom service system is a total disaster, completely disconnected : no record for prior customer phone call, no following phone call on already problemed account, not even answering phone call eventually ... 

I am requesting a fair and final response from Citi Cards / Sears MasterCard.
Product: Credit reporting

I had a XXXX credit card stolen back in 2007. They are reporting inaccurate information to XXXX credit bureaus. XXXX and Experian. I have made numerous attempts with both XXXX which is now XXXX and the credit bureaus. XXXX is the only one reporting accurate information. I have asked XXXX to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.
Product: Mortgage

This is an ongoing issue with my mortgage servicer. Even after a previous complaint to the CFPB regarding improper handling ( Case number : XXXX ) of my account I can still get ZERO information on this loan. Ocwen made a motion to the bankruptcy trustee to receive a XXXX payout after my case was dismissed. The judge awarded them the money over a month ago, but i have been unable to track down where missing funds currently are. The balance on my loan changed by a small amount yesterday, so i called both yesterday and today looking for information and no one will tell me anything other than my account is being handled with " legal '' - and treated me like I had somehow defaulted or caused this problem with the loan. 

My mortgage is not being properly serviced and I am being denied basic information on my account. I made payments in good faith to the bankruptcy trustee on this account and because of Ocwens poor practices the money was never applied. Now - I ca n't even get any information on the account and am being treated like I am the one who did something wrong. This morgage was current for YEARS before being transferred to Ocwen.