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

I disputed on XX/XX/XXXX a late payment that is currently listed on my TransUnion credit report, They reply was " Not Specified ". I believe this disputed this information with the agency was not properly investigated. The information remains on my credit report and continues to negatively impact my credit score. The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX. However, it was reported as being more than 30 days late. I believe this information is inaccurate and unfairly reflects on my creditworthiness. The continued listing of this late payment despite previous investigation suggests that Their procedures have not been adequate in this case. I have attached any relevant documentation that supports my claim. Such my bank statement of full payment in time to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and seen multiple charges on there from various collection agencies. Upon further investigation I was informed that FCRA rights state that we the people are to give written consent for collections to be added to your report to give individuals an opportunity to dispute before anything is added to your credit report. I did not receive any paperwork nor did I give my written consent. I was not given the opportunity to dispute these collections before they were added. I have not determined if these charges are even valid however if any of them are it would also be a hippa violation as well.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately. 


According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX, XXXX. ( XXXX ) - ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a charged-off account that has been reported on my credit report. I am requesting your assistance in resolving this matter as I believe it has not been properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4500.00} I have previously contacted the creditor and/or debt collector directly to request validation of this debt, but I have not received sufficient documentation to confirm its accuracy or legitimacy. Specifically, I am requesting the following information : 1. Proof that the debt belongs to me, including a signed agreement or contract.

2. A detailed breakdown of the amount owed, including the principal, interest, fees, and any payments applied.

3. Evidence that the debt was lawfully charged off and reported to the credit bureaus.

4. Documentation of all communications regarding this account.

The lack of validation not only raises concerns about the accuracy of this charge-off but may also indicate violations of my consumer rights under federal law.

I am requesting your offices assistance in investigating this matter and ensuring that the creditor or debt collector complies with their obligations. If the debt can not be validated, I request that this charge-off be removed from my credit report and that any associated collection efforts cease immediately. 

Please let me know if additional documentation is required from my side to process this dispute. I appreciate your time and effort in addressing this issue.
Product: Credit card or prepaid card

I have a American Express Delta Skymile Credit card for few years. I received an offer on XX/XX/XXXX to upgrade my credit card and receive XXXX skymiles if certain criteria were met. They are enclosed in the PDF attached. Once, I met those criteria and called them for the first time in XX/XX/XXXX, they said skymiles were issued and taken back immidiately against my past negative skymiles balance. However, I have no negative skymiles balance either in Delta Airline Account or American Express Credit card account. This can be varified in the attachment. I kept asking in several subsequent calls for months to give me promissed skymiles and if not why would they not show negative skymile in my account. I was never given the skymiles they promissed in the deceptive promotion and no one ever gave me an answer and simply hid behind the line 'This is company Policy '. If company policy is to hide information from client so they can steal from their client in future, then this is a deceptive practice and a regulatory action is warranted on the company. Furthermore, if the company already knew that I have a negative skymiles balance in my account, why did they choose to send me an offer when they certainly knew that they will deduct these miles from the clients account. They chose not to disclose about my negative balance in this offer email. This is another deceptive pratice by the company. 

I called several times for XXXX months but there was no resolution. I requested to lodge complaints as well but the reps were dilly dallying in thier response. After several calls, I was finally able to lodge a complaint with them in XX/XX/XXXX and the case no. for this complaint is - XXXX. It has almost been 2 months since last call and again no response. To this date, I have not received a single email, any phone calls or letter in the mail to notify me of any negative skymiles balance in my account. On my last call in XX/XX/XXXX I was told that I still have approximately XXXX skymiles and I have no way to see it anywhere. 

They have wasted a lot of my time and still refuse to resove the issue and give me my skymiles.
Product: Mortgage

On XX/XX/2021, I attempted to access my Chase Mortgage account online. I was interested in refinancing and wanted to pull my last account statement and request a pay off quote. When I tried to log in, I couldn't remember my password and attempted to reset it. A message appeared that my account was locked and I must call XXXX to have it unlocked. 

On XX/XX/2021, I attempted to reset my password again. I received the same message and called the number above around XXXX XXXX.. I selected the option for a call back. After receiving a call back, I was transferred multiple times, disconnected, placed on hold, etc. I called back in several times and was unable to have someone unlock my online account. It is now XXXX XXXX, and I am still on hold to have someone unlock my account. 

It appears that Chase Mortgage is not adequately staffed to assist consumers with online account lockouts and resets. Also, I'm concerned that they are preventing access to the documents I need in order to retain my mortgage and prevent refinancing with another lender.
Product: Debt collection

XXXXt/Convergent collections state that I owe {$280.00}. This amount has changed every time I have disputed their claim. Over the past 5 years, the amount has changed from approximately {$700.00} to now {$280.00}. Phone calls from the company are demanding that I just pay the amount or the rude calls will not stop. This has been going on for years. I have contacted the company to dispute these charges and it seems to get passed on to several different collection agencies. I filed bankruptcy 3 years ago and this was not listed on my credit report ( it  would have been included ) This is not my debt.I owe XXXX absolutely nothing. There are no records, contracts or otherwise. I have requested whatever proof they claim to have several times and it has not been provided and the overly rude " people '' they have calling is becoming overwhelmingly stressful
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a vehicle from XXXX XXXX which was a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So I have several late payments that are not suppose to be on my credit report according to XXXX XXXX XXXX under exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not includea report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Student loan

The department of education and the servicer AI advantage is yet to take any action on my student loans. I consolidated by loans awaiting action pending my defense to repayment which was filed almost a decade ago. The department of education agreed I was defrauded and issued a letter that my loans were to be cancelled. After waiting years and filing disputes, still no action has been taken. The department of education provided guidance that in order to be eligible for cancellation that I would have to consolidate my loans, which I applied to. The Department provided that I was approved for the SAVE plan and sent my info the AiAdvantage, the servicer. NO ACTION has been taken on my loans. The information on the website is lists administrative forbearance with payment due more than a decade from now, but is actively reporting on my credit as due even though the balances are incorrect. Its not clear what is happening or why. The balances reflected make no sense. Where is my loan cancellation, why has the SAVE plan that I was apparently approved for not executed? Where are the credits applied towards cancellation? Agents from all agencies cant articulate what is happening. Only that I'm in process, but they dont event know what I'm in process for. The information provided is incorrect and incomplete. 

My student loans have been subject to numerous enforcement actions- All which ( as written by the Department of Education ) were to result in full discharge and cancellation many years ago. Despite this, I am yet to obtain ANY of the cancellations and discharges of debt promised. I continue to be charged compounding interest multiplying the student loan debt which was to be cancelled in its entirety. Therefore, I am disputing the entire student loan balance as invalid. The department of education approved my Borrower Defense to repayment acknowledging that I among many other students had been defrauded by my university and suffered for many years. I continue to be financially impacted by the compounding interest, lost opportunities and negative impact to my credit score resulting in paying more despite being a financially responsible person. Whats more, In addition to the egregious acts committed by my school, XXXX XXXX and Navient took advantage of me for years, steering me into forbearance plans instead of federal relief programs for which I was eligible for. It seemed as if justice had finally come, but to date none of the promised actions have been taken by the Department of Education or XXXX XXXXNavient or AiAdvantage concerning my loans, and the credit unions are continuing to incorrectly report the debt as valid. I am requesting full and complete cancellation of all of the student loan balances ascribed to me, refund of any and all monies paid, and the complete removal of all references to the invalid debt being reported by the credit bureaus.
Product: Checking or savings account

Im owed {$1000.00} I keep trying to call because I will be moving but they cant help me and this account is closed. I want to go into branch and receive money I stead of check. Letter code XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

Credit acceptance is showing on my credit reports. The statue of limitations to collect the debt have expired. Needs to be removed from ALL credit bureas
Product: Debt collection

Over the past year - I have asked for a detail/itemized statement - which they have yet to produce.
Product: Checking or savings account

ATM went out of service while I was using it. It was a {$200.00} transaction. No money came out. But the charge processed to my checking account. I filed dispute with bank. ATM company and store has been non compliant. Im at wits end. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Mo. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX 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 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 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

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX and XXXX XXXXL Acct # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Captial One mallicoiusly lied to disqualify my dispute. 

After a year of frequently calling, checking and waiting- I was told to submit documents several times. After nearly two years of run-around, I was told that the case was disqualified at the start for being 10 days late to a paperwork submission deadline. I HAD NO NOTIFICATION OF THIS DEADLINE.

I was told ( after 1.5 years ) that Capital One expects customers to log in and frequently check a hidden " documents '' area to get notifications. They do not provide direct notification and disqualified my request retroactively because of this excuse. Then, they lied saying the issue was fully resolved. I believe them, but later discovered that they corrected ONLY ONE OF TWO FALSE CHARGES.

Capital One was notified of this issue 10+ times by phone and 5 times THROUGH THE CFPB and continues to defend their fraudulent behavior.
Product: Debt collection

I dispute and demand the immediate removal of the fraudulent account from my credit report : XXXX XXXX The bank confirmed the validity of the identity theft report, acknowledged a system error preventing record provision, and assured me of the immediate removal of the fraud account existing for over 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights XXXX5 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
Product: Debt collection

This account is reporting on all XXXX of my credit bureaus and its not mine. Despite numerous attempts to contact them to get it removed they are still reporting it on my credit. This account is n't mine and I need it to be removed ASAP.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding two student loans listed on my credit report under the U.S. Department of Education ( U.S. Dept of EDXXXX XXXX XXXX which do not belong to me. These loans, identified with the following balances, were previously disputed and removed from my credit report, but they have reappeared : Loan 1 : Balance of {$2200.00} ( reported on XXXX ). 
Loan XXXX : Balance of {$1500.00} ( reported on XXXX ). 
Loan : Balance of {$2200.00} ( reported on TransUnion ). 
I have no knowledge of these loans and have never taken out student loans with the U.S. Department of Education. I attempted to contact the credit bureaus and loan servicer by mail to dispute these items again, but my letters were returned as undeliverable. These loans are not only inaccurate but are also severely damaging my credit score and limiting my ability to obtain credit.

Actions Taken : I successfully disputed these loans in the past, and they were removed from my credit reports. 
Despite being removed, these loans have reappeared on my XXXX and TransUnion credit reports, causing further harm to my credit. 
I attempted to send dispute letters to both XXXX and TransUnion, but my correspondence was returned as undeliverable.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX, in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX  Bankruptcy & Chapter XXXX Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. They all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to United States Bankruptcy Court asking them why they sent this information to the credit bureauXXXX The United States Bankruptcy Court responded back saying, The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies ''. I am just a little confused why the credit reporting agencies lied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. I, the consumer, have advised ALL the inquiries reported were fraud. Said company had four ( 4 ) days according to LAW to remove such items. I have filed a FTC fraud report in this regard. I, the consumer, is now requesting EQUIFAX to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. EQUIFAX has fifteen ( 15 ) days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature. I am NOT asking for an e-oscar report and if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number : XXXX. XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX, XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX with an address of XXXX XXXX of the XXXX, XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX with an address of XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. Furthermore, I will be filing form 211 treasury omb forms to audit said accounts. EQUIFAX is securitizing consumers data yet refuses to provide me a copy of my CONSUMER FILE, NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed the information is incomplete and not accurate. According to 15 USC 168 ( e ) b violation, 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 to whom the report relates. These accounts [ XXXX & XXXX ], [ XXXX XXXX & XXXX ], [ XXXX & XXXX ], [ XXXX XXXX & XXXX ], [ XXXX & XXXX ] [ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX  XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate.