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

XXXX XXXX XXXX XXXX RE : Demand for Removal of Late Payments on Credit Report Re : Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act Section 1681 of FCRA law ( s ) info on report does NOT match my records.

I demand this item to be DELETED from my credit report ASAP.

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : The late payments never happen. Delete acct under FCRA 1681 Under Section 1681 FCRA this Late Payments Dated on my reports does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted under this law. If not Attorney Costs & Court Action will follow.

My consumer report is extremely valuable to me, and I wish to advise you that willful non-compliance is a violation of Section 1681n of the Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries reporting on my account : 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT ED # XXXX, Date Opened : XX/XX/2016, has violated my rights. Reported Twice! Wrong!

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

US DEPT ED # XXXX, Date Opened : XX/XX/2016, has violated my rights. Reported Twice! Wrong! 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXXA XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XXXXA XX/XX/XXXX - UNAUTHORIZED INQUIRY 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ). A previously deleted account has been reinserted into my credit report without proper notice or evidence as required under Section 611 ( a ) ( 5 ) ( B ). This reinsertion occurred without providing me with written notification within XXXX days or any documentation verifying the validity of the account. 

This action has negatively affected my credit score and undermines the integrity of the dispute process established to protect consumers from inaccurate reporting. I am requesting that the Consumer Financial Protection Bureau investigate this matter to ensure compliance with federal law. 

I respectfully ask for the immediate removal of this account from my credit report and confirmation that the credit reporting agency adheres to the FCRAs guidelines. Additionally, I request any documentation or evidence that may have been used to justify the reinsertion of this account.
Product: Student loan

Recently you assisted getting FEDLOAN Servicing, who manage all my student loans, to finalize certifying my employer the VA as a 'public service ' agency that makes me eligible to remain in the Public Service Loan Forgiveness program. 
After i received a letter in XXXX, it stated that my employer is a qualified employer, however, FEDLOAN did not state the name of the employer. 
Either way, I notified you then that case was resolved. 

Now 1 month later, I asked that my payments from XXXX XXXXXXXX-current are converted to qualifying/eligibe payments that count toward my 10 years of Public Service.

The response i got from FEDLOAN is, that my employer is yet again ' under review ' and that the payments can not be changed as of yet. Injury to insult. 

Will you kindly assist, on my side.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally, protected consumer rights to privacy And confidentiality under 15 USC 1681 Account name # XXXX account name # XXXX account name # XXXX account name # 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 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 c ( 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 and crimes, which antedates the report by 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 cost to believe that the right Solution Delete these accounts
Product: Money transfer, virtual currency, or money service

This for the first half To whom this may concern, I am filing a complaint against Cash App ( Block.inc ) due to the inadequate customer service and unfair practices which I was informed violates the Consumer Financial Protection Act. When it came to fraud on my account they failed me as a company, and different have the proper security to protect my personal information. The response to my actions about fraud on my account wasnt token serious and my account was still left unprotected. The whole process was disturbing, and ineffective and they didnt follow through with requirements of Electronic Fund Transfer Act and Regulation E. The multiple times I reported this problem I took a major loss when sometimes I was already in a financial bind.They then closed my account and its been on review for over some years which make no sense no one has reach out to me via call or email. It doesnt give you an option to verify your account either.. I hope something can be done to resolve the situation at hand. Please and thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding an erroneous late payment that has been reported on my credit report. I have made multiple attempts to rectify this issue by contacting the merchant as well as XXXX, TransUnion, and XXXX directly, yet I have not received any resolution or acknowledgement of my dispute. 

According to my credit report, there is a late payment entry recorded for an account that does not reflect my financial history accurately. I have thoroughly reviewed my records, and there was no occurrence of any late payment associated with this account. This misinformation is adversely affecting my credit rating, and consequently, it is hindering my ability to obtain a mortgage and purchase a home. 

I have diligently contacted the merchant in question, explained the situation, and requested their assistance in resolving this matter. Unfortunately, despite their acknowledgment that there was an error made, they have failed to take appropriate action to correct the reporting with the credit bureaus. 


I appreciate your attention to this matter and your prompt resolution. Please inform me of the actions taken to resolve this dispute at your earliest convenience. I look forward to a positive outcome and renewed confidence in the accuracy of my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Debt collection

I contacted C.Tech Collections on XX/XX/year> and spoke with XXXX who I was told this my case worker to request validation of debt because the balance seemed higher than what I believe I owed. 30 days went by and I didnt hear anything from them, I had a death in the family and lost track of time. I ended up calling them on XX/XX/year> to follow up about the documentation I had requested and spoke with XXXX to check the status of the validation, at that time she informed me that in their system it was showing I called them on XX/XX/year> and that the documents were mailed to me on XX/XX/year>. I never called them on XX/XX/year>, on that specific date I was calling funeral homes to be able to do a funeral for my family member and calling them was the last thing on my mind to do. In my house we are able to see our emails that shows what mail we get every day and nothing was ever received from them in at least 60 days after I requested validation. Not only the debt was not validated in a timely manner, but false documentation was noted in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX me and my husband sent a certified method of verification letter to Experian regarding a public record item, bankruptcy on our credit report. On XX/XX/XXXX and XXXX both receipts were signed ; however, Experian has not responded to our MOV letter as of today.
Product: Debt collection

portafolio recovery associates llc have consistently called me on the weekend since XX/XX/2022. I dont recognize them as a lender to me. I refuse to answer their calls. I sent them a letter demanding they stop calling specially on the weekend.
Product: Credit reporting or other personal consumer reports

XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs. These violations of the FCRA and Regulation V constituted violations of the Consumer Financial Protection Act of XXXX and could have negatively impacted consumers credit scores and access to credit in many instances. The consent order requires XXXX to take certain steps to prevent future violations. According to XXXX XXXX Transunion XXXX, TRANSUNION is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account XXXX  Account Number : XXXX violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) by not addressing or correcting inaccurate information on my credit report despite my previous requests. 
On XX/XX/year>, I sent a formal letter to Experian to request corrections of personal information on my credit report, specifically as follows : Correct Address : The only valid address associated with me is : XXXX XXXX XXXX, XXXX, IL XXXX I request the removal of the following incorrect addresses currently listed on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name Correction : Ensure that my name appears correctly as XXXX XXXX XXXX XXXX and remove any aliases or incorrect name variations.

To date, I have not received confirmation of receipt or any resolution from Experian, which fails to meet their legal obligation to investigate and correct errors within the 30-day period mandated by the FCRA. 
On XX/XX/year>, I am sending a second letter to Experian reiterating my request to ensure accurate and up-to-date information on my credit report. My concerns extend beyond simple data accuracy, as the presence of incorrect information could be misused, potentially enabling fraudulent actions that impact my credit history and financial security. 
I respectfully request the CFPBs assistance in reviewing this complaint to help ensure Experian upholds its responsibilities for the accuracy of consumer credit reports and complies with the legal requirements of the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested that the creditor provide validation that this debut belonged to me. In the request I detailed that I needed a the contract that was signed with a wet signature, all documents used in the transaction to verify that the transaction taken place was indeed indeed the person that contract says. I request a complete statement of account and payment history.i also would like the original creditors information to be provided. As I know my consumer right is to be made aware of any inaccurate information, I request this creditor remove this debt immediately if it can not be verified after receiving this notice with all of the above information provided.This account is also reported as charged off and written off. I never received a 1099-C to report to the irs. To my understanding this is illegal and fraudulent. If I am wrong please correct me!
Product: Credit reporting or other personal consumer reports

Please block and remove the following accounts Due to XXXX XXXX XXXX XXXX : Balance {$2100.00} - XXXX XXXX XXXX : Balance {$5400.00} - XXXX XXXX : Balance {$19000.00} - XXXX XXXX : Balance {$14000.00} - XXXX XXXX XXXX XXXX Balance {$13000.00} - XXXX  XXXX XXXX : Balance {$9200.00} - XXXX XXXX : Balance {$8400.00} - XXXX XXXX : Balance {$4000.00} - XXXX XXXX : Balance {$2000.00} - XXXX XXXX XXXX XXXX Balance {$3200.00}
Product: Mortgage

am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
XXXX XXXXDelete all XXXX Special loan service, trade line for all XXXX credit bureaus and not report the short sale.
Product: Credit reporting or other personal consumer reports

The accounts reporting to to my consumer report is fraudulent and inaccurate, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX please delete or Block these accounts from reporting to my consumer report FCRA 15 U.S.C 1681i ( a ) 1 challenges the 30 day response time.15 U.S.C 1681i ( a ) 6 ( b ) 3 challenges investigation protocol.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

Account Has been paid in full, XXXX XXXX  refuses to update the account with the credit bureaus and the bureaus refuse to update the account info on their own. this is negatively affecting my credit by having inaccurate information reported.
Product: Vehicle loan or lease

On XX/XX/2018 I requested a payoff amount on my auto loan through Credit Acceptance Corp, in XXXX Michigan. They faxed it to me, I then worked w/ my hometown bank to get a lower interest rate. 

On XX/XX/XXXX my bank sent the requested amount ( attached is the check ) Credit Acceptance cashed the check on the XX/XX/XXXX of the month. I spoke to them on that date and they said there was a {$10.00} balance that they would just get rid of and close my account. 

I thought the matter was closed. 

On XX/XX/XXXX I received a " hit '' to my credit report, as did my husband, who is also on the account for the car. 

I called Credit Acceptance and they said there was a balance and I was late for the payment ( according to documents attached, my payment is due on the XX/XX/XXXX of the month. 

I told them I was told by them they were going to get rid of the {$10.00} and close the account, clearly they didn't do that. They agreed to the wipe of money but then I asked what about my credit hit I took. They stated it was a valid dock on my account because I was late. 

If that were the case, I would have given them the {$10.00} that moment, but I do not deserve such a hit to my credit nor does my husband. 

I am unable to help how quickly they cash a check, or receive by mail. My bank sent it in time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX  XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ).

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly.

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately.

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA.

Please mail your response to my address listed above.

Thank you for your attention to this matter. I look forward to your prompt response. 

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

XX/XX/XXXX credit reporting shows account open. 
XX/XX/XXXX credit reporting shows account closed and states that a foreclosure action has begun, Which is incorrect, the foreclosure action what started XX/XX/XXXX. 
XX/XX/XXXX credit reporting states they count remains closed. 
XX/XX/XXXX credit reporting shows that the mortgage account had been removed from my credit report, even though the foreclosure action was still in litigation in court. 
I have requested from Ocwen loan servicing accounts relationship manager, XXXX XXXX, to investigate why the account was closed and removed from my credit report. At present a formal investigation has not begun and it XXXX XXXX insist that the account is still open and litigation remains in court.