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

I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I identified the following errors associated with XXXX XXXX : Issues identified : - Account not reported by TransUnion but derogatory on Experian - Potential inaccuracy in reporting These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) : - 15 U.S. Code 1681s-2 : Furnishing inaccurate information - 15 U.S. Code 1681i : Failure to properly investigate disputes As required by the FCRA, I request that you conduct a proper investigation into these disputed items and correct any errors immediately. Please provide me with written confirmation of the investigation results within 30 days.
Product: Credit card or prepaid card

This is the continuation of complaint XXXX, as American Express told that CFPB they are going to correct the mistake, fraud and issue me {$200.00} credit, not only I did not see the credit, but also, they USPS mailed me another letter dated XX/XX/XXXX from American Express fraud department XXXX I just received it today ; saying that They are not able to find the fraud charge and American Express wants to lie and play game with customer all over again. Please see the attached letter I just received. American Express lied to CFPB. American Express is fraud financial company itself. Please resolve the strange response I received today after they told CFPB they have fraud charge, they credited {$200.00} in my account?!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Kansas XXXX XXXX XXXX XXXX XXXX XXXX. 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingi. 

2. Provide me with all documentation used to verify the accuracy of the disputed information. 

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I requested and was granted a mortgage modification on 2010 by GMAC mortgage ( now being handled by Ocwen Loan Servicing XXXX. I have been in the past 3 months trying to have them forgive part of my deferred principal. I have sent them letters and to no avail. I believe I was a victim of mortgage fraud when I refinance my mortgage and they have sent me a letter that I am eligible for principal reduction but not on my deferred princepal. I am confused.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit reports from the XXXX major credit reporting agencies, I have found discrepancies in the information listed. These inconsistencies are affecting my credit profile and could lead to incorrect assessments of my financial reliability. This was previously disputed and was not deleted across all reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent via mail on XXXX/XXXX/XXXX a letter to XXXX along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( Equifax, XXXX  XXXX ) immediately. My check was cashed on XXXX/XXXX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.
Product: Credit card or prepaid card

A XXXX account was opened in my name back in XXXX. I did not open this account and was unaware of it until it charged off in XXXX. I contacted the Ceo of XXXXXXXX XXXX XX/XX/XXXX asking for them to remove this account from my credit as a good will gesture. I was XXXX when this account was opened and during my XXXX i wasnt aware of half of the things occurring with my credit. XXXXXXXX XXXX stated the would research my request and get back to me in 10 days. They did not. I contacted them again and they told me it would take another 10 days. I contacted them a 3rd time and they said a letter was sent. I never received one and i contacted them again and a 2nd letter was sent which i did receive. In the letter they stated they removed late fees from the balance due to SCRA. I then contacted XXXX to just find out about resolving the balance of XXXX to have the trade line removed as it wasnt opened by me in the first place and they told me there is no way possible. I didnt open this account and i am trying to repair my credit so i was willing to pay money that i didnt even spend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a {$15.00} collection on my credit report from XXXX XXXX regarding XXXX XXXXXXXX XXXX, that is erroneous. I have contacted XXXX XXXXXXXX, XXXX XXXX, XXXX, Transunion company. both XXXX XXXXXXXX and XXXX say they show I owe them nothing. I can't get anyone to remove this.
Product: Credit card

I went to the Care Credit website to get a card to pay for braces at my sons XXXXXXXX XXXX. The website has a page to locate practices that accept Care Credit. I looked up the Orthodontist that we are using and his practice is listed on the Care Credit site as accepting this credit card. ALL information related to this practice ( address, phone number, etc ) is correct, so I went ahead and applied for this credit card. After my approval, I called the Orthodontist, who then stated they do NOT accept Care Credit. I called Care Credit immediately to cancel my application. It was now too late and when I said that it was unfair and wrong that my credit was run for now no reason, they said sorry, we can close it. Which is what I did. Now I have multiple negative hits to my credit- a hard inquiry and a closed credit account. This is absolutely wrong to the consumer and should be illegal that they can state a business accepts Care Credit when in reality they dont!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries appearing on my credit report are false/fraud. I have tried to call Equifax repeatedly and was unsuccessful as well as due to language barriers between agents and myself. The website continues to crash or not function. No credit was obtain due to these inquiries. I am requesting Equifax remove them IMMEDIATELY. I'm also a XX/XX/XXXX victim. 

XXXX XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XX/XX/XXXXXX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 Bankruptcy Ref : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

I have submitted more than XXXX dispute with Equifax. This is the last XXXX. I have called 3-4 times. I have written a complaint letter. My mortgage company, XXXX ACCT XXXX, was removed from my report from all XXXX credit bureaus. Equifax has questioned why I filed a dispute. I was chastised for filing the first XXXX in XXXX 2015. I was questioned on why I filed bankruptcy. I was told by XXXX that he was n't sure that the information could be added back on my report. XXXX is not much better. Dispute XXXX was the first request with Equifax. Please help.
Product: Debt collection

In XXXX, I refused to pay for this refrigerator that was returned to XXXX twice for repairs. The XXXX refrigerator was sold to me as new but it was a refrigerator off of the floor of the store. I requested a new refrigerator after the appliance failed several times within the first four months of service but I was refused. The repaired refrigerator remained at the XXXX store and I discontinued making payments on this appliance. In XXXX of XXXX, XXXX XXXX XXXX purchased the debt and filed a judgment in XXXX of XXXX. XXXX used a law firm named XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, Texas by Atty. XXXX XXXX XXXX XXXX. XXXX to serve the judgment. On XXXX XXXX, XXXX, I was asked to sign a one-page document with the understanding that the debt would be resolved due to the statue of limitations in Texas ( e.g. 4 years ). On XXXX XXXX, XXXX, I was served a writ of execution that was secured by XXXX XXXX XXXX @ XXXX XXXX XXXX, XXXX, Texas XXXX -- -Phone XXXX, XXXX. The writ of execution 's cause no is XXXX and it was filed electronically at the XXXX XXXX XXXX Clerk 's office, XXXX XXXX, XXXX XXXX, XXXX Texas XXXX. This debt is XXXX XXXX XXXX and my property has been threatened for possession and or XXXX for this alleged debt.
Product: Vehicle loan or lease

On XX/XX/XXXX at XXXX XXXX MST, I contacted Ally Bank, to change the due date of my car payment to XX/XX/XXXX I spoke to a rep for 17 mins 18 sec. I explained why I needed my due date changed. The rep told me that if I paid {$20.00} by the XX/XX/XXXX that my car payment would not be due until XX/XX/XXXX and I could then set the auto pay for the XXXX of every month to start XX/XX/XXXX. I asked the rep, what about XX/XX/XXXX payment and she stated that my XX/XX/XXXX payment would not be due until XX/XX/XXXX.. I made the payment and it cleared my account XX/XX/XXXX. I tried to go into the system to set my auto payment and the system would not allow it. I called onXX/XX/XXXXat XXXX XXXX. The call lasted for 60 mins and 19 sec. I informed Ally that the system would not allow me to set up auto pay. I was informed that I still owed XX/XX/XXXX payment. I explained what I was told and they stated that I still knewXX/XX/XXXX payment was due. I told them that I was not aware, because the rep told me it was n't due until XX/XX/XXXX. I was transferred to a manager who told me the same thing and still tried to collect the payment. I told that my payment due date would not be extended until I made the payment for XX/XX/XXXX. I told them it was not fair and I no longer had the money because I took the advice of their rep. I told both the rep and the manager that I was going to file my complaint and I was transferred to a third person who said they needed to investigate my claim by listening to the recording and if they found out I was telling the truth, she would help me with my options. She asked that I give her til Tuesday the XXXX before contacting CFPB. It is now Friday the XXXX. I tried to contact Ally on Tuesday the XXXX by phone at XXXX XXXX and by their online email Thursday the XXXX at XXXX XXXX. I still have not gotten any help and the still have not updated my car payment due date and my car payment is late and I would imagine collected late fees. It is not fair to me that I get penalized, when I was directed by their rep. Who either have the wrong info or was not clear when I asked her the questions about my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion and XXXX has an account on my credit report that is not mine/inaccurate. 

account XXXX XXXX XXXX XXXX, this account is not mine and i did not give XXXX, trainsunion or XXXX my permission to report said account.nor was i notified that this account would be posted to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I informed Experian that I was a victim of identity theft. Most accounts were removed excluding 1 ( XXXX XXXX ). I've disputed the account continuously, accompanied with FTC Affidavit and local filed police report #. Not once was any documentation provided from the bureaus or the creditors. XXXX  and XXXX   remedied the accounts almost immediately, unlike Experian. 

This year, XXXX, I received an alert that one of the accounts that was previously removed had been reinserted ( XXXX  XXXX ). I almost instantly sent Experian documentation reminding them that the account was fraud and that I'd undergone a name change as well. They ignored the name change request earlier this year and continued to report that both accounts were verified. 

XX/XX/XXXX, I sent Experian all of the documentation again ( XXXX tracking # XXXX ) and they sent me a letter stating they can not and will not update the name change because I am now legally mononymous. I informed them how the other bureaus were reporting it, and to just input the name in both 'first ' and 'last ' section. They told me, " no ''. I called for days, they said, " no. '' Then XX/XX/XXXX I received an alert that they'd initiated my dispute. The dispute completed last night, XX/XX/XXXX, with both items remaining. 

However, XX/XX/XXXX I sent a follow up letter informing them that it had been past the 30 days and the items must be deleted immediately. I'm on the phone presently as I'm typing this with an Experian representative, and they've informed me that they will not remove the items since they were verified accurate, completely disregarding not only that they're fraud, but that it's past the 30 days since they signed for and received the dispute.
Product: Credit reporting or other personal consumer reports

I contacted XXXX by phone to inform them of errors in my credit report concerning the reporting of a bankruptcy that has been inaccurately documented. Upon my own investigation, it has been brought to my attention that the bankruptcy details on my credit report are incorrect, as bankruptcy courts do not typically supply this information to credit bureaus. Despite my previous request for accurate validation of all details, your company responded by asserting that all information had been verified. In light of this, I am requesting disclosure of the contact information used to confirm this inaccurate bankruptcy reporting. 

I know that they did not verify this inaccurate information because the US bankruptcy Court Clerk do not respond, report or contact any credit agencies to dislose information in regrads to bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXXXXXX 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: Debt collection

Opened my credit report saw a collection for {$200.00} from NCA I never received a letter or a reason nor a right to dispute this company never once wrote me
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 

FTC Compliant # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX transunion 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 Us Department Of Edu XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed XXXX Dept Of EdXXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX  XXXX Us Dept Of Education XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX  XXXX Dept Of Ed/XXXX  XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX  XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX  XXXX Dept Of Ed/XXXX  XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) XXXX, XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ) XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is saying that I paid 100 % of the original amount. But it still reports negatively as a charge off. This loan was paid in full and reflects negatively. 

Overview You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 6 yrs, 10 mos ) Term months Payment History Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times XXXX/XXXX/XXXX days late XXXX Closed XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the immediate removal of the security freeze on my credit report. I am in the process of applying for that requires access to my credit information, and I need my credit file to be unfrozen as soon as possible.
Product: Credit reporting

I reported this before & never got a reply. XXXX XXXX verbally agreed to let me make payments. I made all but {$35.00}. I never got a receipt for any payments made nor was I contacted about the remaining balance. I was told it would be removed from my credit if I made payments. Instead they garnished my wages for {$35.00} plus fees. It was never removed from my report & now shows I was in collections for the full amount negatively affecting my credit. They were in breach of a verbal agreement & I would like it corrected immediately.