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

I have been sending letters to the bureaus. I have received no updates or letter from them regarding my credit. I have been disputing accounts for about 8 months and again nothing has happened. I will attach letters I sent over but there have been several more.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with JPMorgan and Chase and XXXX. XXXX  continues to report misleading credit information on their fee for service site. XXXX. Credit scores and account information on their website contradict and are completely different then what is reporting to agencies such as JP Morgan and Chase and XXXX. 

XXXX  displays more positive account reporting. After attempts to be approved for tradeline credit based on their fee for service account, lenders such as JP Morgan and Chase report back with profoundly lower credit scores and defamatory credit information such as recent delinquencies, bankruptcies, chargeoffs as well as low available credit. I was also informed by XXXX XXXX  uses a 3rd party called XXXX. I have never initiated nor authorized any services from XXXX. XXXX has blocked and flagged my individual personal credit as problematic, high risk and extrey derogatory. Neither JpMorgan and Chase nor Experian have credit score information and scores matching JpMorgan and Chase ' letter of declination. I find this practice to be fraudulent and quite discriminatory. I'm a conversation with the lending representative, he could not answer many of my questions of standardization of credit approval. He said it is case by case and based on reporting from XXXX. The same website reporting contrary information. I paid this company XXXX a month to monitor my credit ACCURATELY. Their ratings are noticeably lower than XXXX  and XXXX  in my case. None of the scores listed on any of JPMORGAN AND CHASE 'S declination letters matched XXXX  customer reported information. Nor did JP Morgan Chase 's credit journey third party site.
Product: Debt collection

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

Experian 1.XXXX {$0.00} 2XXXX XXXX XXXX  {$0.00} 3XXXX {$0.00} 4XXXX {$0.00} 5 XXXX XXXX XXXX XXXX {$350.00} 6XXXX {$0.00} 7XXXX XXXX {$0.00} I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  XX/XX/XXXX , 60 days  XX/XX/XXXX , 90 days XX/XX/XXXX , 120 days  XX/XX/XXXX  I am not sure how th is happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing in response to a collection notice I received from your agency regarding a debt that you claim I owe. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : 1. The original creditor of the debt 2. The amount of the debt 3. The date the debt was incurred 4. Any documents proving that I am responsible for this debt 5. A copy of the original contract or agreement I am also requesting that you cease all collection activities until this debt has been validated. Please send me the requested information within 30 days of receiving this letter. 

Sincerely, XXXX XXXX
Product: Debt collection

I still owe the balance of the debt, the reason for the complaint is because the creditor is showing the account past due when I have never missed a monthly payment. On XXXX occasions they have received my check and withheld until the next month to cash it. I have provided a detailed letter and proof of all payments from XXXX XXXX XXXX
Product: Debt collection

ERC is reporting inaccurate, erroneous, unverfied/unvalidated information on my credit report. On XX/XX/2021 I sent a certified letter to XXXX regarding inaccurate and unvalidated information on my credit report being reported by ERC- account # XXXX see letter attached. I received a letter from XXXX stating that they verified the account as accurate. I also informed them of certified letters sent to ERC for validation of the account and they have been ignored. I have enclosed letters sent to ERC along with certified receipts showing that ERC is not Signing for Certified Letters. I also enclosed a screenshot of my credit report from XXXX dated XXXX where the account is not marked disputed, and a screen shot dated XX/XX/2021 account is marked disputed which could only mean ERC is receiving the letters and is refusing to validate this debt. Since this account was not verified by a human, I want this account remove from my credit file immediately, I do not have the money to keeping sending certified letters that not get answered.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their repeated failure to address inaccuracies on my credit report despite multiple attempts to rectify the situation. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed dispute letters to Experian requesting an investigation into inaccurate items on my credit report. I also disputed incorrect personal information on my credit report during these correspondences. To aid Experian in verifying my identity and address, I ensured to include a copy of my photo ID, social security card, and a recent bill with my current address. 

These inaccuracies and incorrect personal details have adversely impacted my financial standing and credibility. Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing ample documentation to verify my identity and address, Experian still needs to acknowledge or act upon my disputes within the legally mandated timeframe. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, Experian 's repeated lack of response and disregard for my consumer rights have caused unwarranted stress and financial implications for me. 

I am seeking intervention from the Consumer Financial Protection Bureau to compel Experian to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I received a response back from Experian dated XX/XX/XXXX, and XX/XX/XXXX, stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Experian, along with Experians response as proof.
Product: Bank account or service

To whom it  may  concern, I have been a Chase customer for about 4 years. I attempted to close my account through the website and it appears it is not possible. I believe it is very important to provide customers various ways to close an account other than visiting a branch location or calling someone online, especially for those protected individuals that can not complete account closure through neither phone or in-person. It appears that the  Chase  website, even within the customer user interface, only attempts to cross-sell more products and not actually assist their customers with an important step of the customer relationship process -- closure.     For the best customer experience, Chase should update their user interface to allow for online account closures.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1000.00}
Product: Mortgage

I just want to start this by saying that my loan is currently under loan modification. I am leaving one mortgage company and in the process of going to another ( freedom mortgage ). All of these phone calls and agents that i spoke with are all on a recorded line at freedom mortgage. On XX/XX/XXXX i called freedom mort. And talked to an agent XXXX about our XX/XX/XXXX payment that was due. On a recorded line he told me that i had XXXX in unapplied funds and assured me that i could use that money to pay for my XXXX payment. I told him that i would call a couple days later to make that payment. On XX/XX/XXXX i called freedom mortgage and spoke to an agent XXXX ( agent ID XXXX ) to make the XXXX payment using the unapplied funds. I paid the XXXX difference and she added the XXXX of unapplied funds to it to complete the XXXX payment. She gave me a conformation number for payment and both of us were aware that this was going to complete the XXXX payment. On XX/XX/XXXX i received a letter in the mail stating that my XXXX payment was never made and that the XXXX dollars wasnt enough for a full payment and that it was placed in a separate account on hold. I called and spoke with XXXX ( AGENT ID XXXX ) i explained to her what happened and after looking through my account she informed me that agent XXXX put the XXXX to interest and not my XXXX payment. XXXX told me that she was going to put in a request to see if the money could be moved but she had to put in a request and that took 2 days to process. The last question that i asked her was in a worse case scenario will this request be denied and she said no it will not be denied. So i got off the phone with her believing what she said was true and i Immediately called freedom mort back and spoke to a supervisor in the escalations dept and spoke to XXXX agent ID XXXX. She immediately told me that basically XXXX who i spoke to in XXXX lied about me not being able to use the unapplied funds for the payment. They were able to pull the recorded phone call and heard him repeatedly telling me that i could use the money. XXXX told me that since my loan was under modification the money couldnt go to my payment that was due. I informed her that i had spoke to many agents from freedom and none of them mentioned this to me. So now due to their mistakes and lies i am behind a whole payment. On XX/XX/XXXX agent XXXX called me and told me that she was working with another supervisor named XXXX the mitigation supervisor and XXXX agent ID XXXX to see if they could do anything but they called me the next day and told me there was nothing that they could do and that i was behind a payment. I spoke with 3 freedom mortgage agents on the phone and none of them are telling the truth. They misinformed me that i could use that money for my XXXX payment and even gave me a conformation number. I dont trust giving freedom mortgage anymore of my money because Im not sure of where its going.
Product: Mortgage

Our mortgage company Select Portfolio Servicing has been flat out lying to us about our modification application. They were encouraging at XXXX when we began struggling with our payment due to loss of income and employment, but as we try to go through the process with them they provide conflicting information, tell us that all documents are in and that we are going to underwriting for a decision. After 3 weeks with no contact we call them and are told there was no review done because they never got out paperwork. This has gone on for months and is very frustrating. Our current mortgage payment is close to half of our current income and we know that there are government programs to help people like us. Why is SPS giving us such a runaround? 
My husband has worked as a XXXX forXXXX years. I have run a XXXX business for the last XXXX years but in XX/XX/2013 I lost several of my clients due to the bad economy -- their parents could no longer afford the service. This coincided with XXXX losing hours at his job. This put us in a bad situation. We also have taken in foster children periodically over the past 9 years, which helped supplement our income. Unfortunately we had a very bad experience with the last foster child we took in and it was so heartbreaking we are not taking on any new kids. 
After falling a couple of months behind on the payment we were told by SPS that they would review our application for modification assistance. After sending the package in there was no communication for several weeks. When I called in I was told that the paperwork had been lost and needed to be re-sent. I sent the paperwork again and when I called to follow up the agent deflected the conversation into a collection call, demanding to know when we would make a payment. We then began getting correspondence to try and get us to agree to a short sale or deed in lieu of foreclosure, even though SPS had never even opened a review for options to save our home that was actually built by my husband 's uncle! On a recent call we were told that everything that was needed for the review was in and that the file was going to an underwriter for a decision. We waited a few weeks and called back in to find out what the decision was, and were told that SPS did not have our paperwork so no review could be conducted. 
We have gone through a tough stretch here, but have done everything we can to comply with the bank 's requests for financial information. Not only that, but I have taken a job working at XXXX to supplement XXXX XXXX income. I do n't understand why SPS treats their customers so poorly -- we are scraping every bit we can to make sure bills are paid and I am training to be a supervisor at XXXX and working as many hours as they will allow so that we can resolve all of these issues with SPS. We know that there are government programs designed to assist people like us, and we know that we fit into these program guidelines. What we do n't know is why SPS is giving us such a hard time and not allowing us to access these programs.
Product: Debt collection

On XX/XX/XXXX of XXXX, my wife has recieved several calls from this Agency trying to obtain my information and contact me ... once they were able to reach me, they said I had to repay the debt or portion of it or they'll report it to my credit bureaus in which they have and that itll go to legal actions... I told them I have no knowledge of the company... the original creditor from my XXXX in XXXX has not ever contacted me regarding the debt...
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

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

Credit reporting Agency, Equifax was notified of a dispute for an Inquiry ( XXXX XXXX ), reported to the consumer report. Equifax was notified on XX/XX/XXXX through the CFPB. Equifax has then provided a letter dated, XX/XX/XXXX advising that they could not locate a credit file in their database, but continues to furnish inaccurate information to the credit file. Equifax has requested copies of non-public ( private ) information according to The Privacy Act of 1974, such as copy of drivers license and social security card. All in which should not be provided to non-governmental entities as, Equifax. A credit report should be accessible to provide a dispute according to the FCRA for any inaccuracy to the credit report. Equifax is requesting information that is illegal of them receiving copies of non-public information in order to dispute. requesting a investigation by the CFPB in regards of this matter. The All XXXX  name also request that a reinvestigation to the dispute of removing the Inquiry that was not Authorized by me. 

Equifax violates The Privacy Act of 1974, requesting non-public information in order to dispute information in a credit file. When attempting to call Equifax to check the status of a dispute, Equifax also request for a copy of your drivers license be sent and a picture of yourself. All illegal activity, in which is not requested to access a credit file to dispute information reported to a credit file. 

Last 4 of social will be provided through the CFPB portal, Name, DOB, email, phone. All information provided is sufficient to conduct Equifax investigation. 
NO copies of social and drivers license are required to remove the inaccuracy of the XXXX XXXX, Inquiry.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX Opened XX/XX/XXXX Last Active XX/XX/XXXX This account is not mine. Transunion is the only credit bureau reporting it. I have no additional information regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I notice I have fraudulent hard inquiries. Please remove the fraudulent hard inquiries from my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I submitted XXXX separate request for XXXX different schools I attended to navient for consideration of a borrowers defense foregiveness within the last XXXX weeks. I called both navient and the dept of education to check the status of these request and was told no record was found of the request. I 'm XXXX percent sure the request for the borrowers defense forgiveness was received as I received confirmation of this. I attended XXXX in XX/XX/XXXX-XX/XX/XXXX for a XXXX and was led tonbelieve I would have assistance with finding employment after completion of the program. This did not happen and I was unable to find employment as a XXXX period. In XX/XX/XXXX-XX/XX/XXXX, I attended XXXX career institute for a XXXX. Midway through the program, students learned that the school was being investigated for fraud in reference to student loans and was ultimately shut down by the dept of education after a lawsuit was brought against the school and its founder. Due to this, I was unable to obtain any documentation of completion or transcripts from the school or Dept of education due to my academic records being seized as evidence. Until this day, those records are unable to be located. I was unable to attend an XXXX to XXXX program due to not having access to these records. I was also unable to transfer my XXXX to any state but the state I was originally licensed in due to not being able to provide any transcripts ofrom this program as required for license by endorsement. I was unable to transfer credits earns from my XXXX to my school once i returned to pursue my XXXX degree. I had to retake the courses in order to further my education. This has ultimately cost me a lot of money and I would like to have my loans forgiven due to these facts.
Product: Credit reporting or other personal consumer reports

XXXX sent me a letter on XX/XX/23 stating they sent it to Department of EducXXXX in regards to all my loans should be discharged due to XXXX deemed me XXXX XXXX XXXX  XXXX ( XXXX ) all balances of loans hold be forgiven. They have duplicate of my loans on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act any XXXX Accounts that have bad standings and reports, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I contacted Discover card about a {$3.00} charge from XXXX will not stop the charge because I do not have a serial number even though there is a chance that the product was returned to them..XXXX alleges they dont know what product so they wont cancel servicewhen I contacted Discover they directed me to XXXXno one wants to take ownershipI want charges reversed for 12 months or around {$50.00} and the charge to immediately stop
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX