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

I noticed errors on my credit report and sent dispute letters to XXXX and Equifax XXXX months ago. It's been more than 35 days, and neither has responded, which violates 15 USC 1681 ( a ) ( 1 ) ( A ). 

According to 15 USC 1681 ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information in their file at a consumer reporting agency, and the agency receives notice of the dispute, they must conduct a reasonable reinvestigation within 30 days. 

If they can not correct this issue and accurately reflect my on-time payments, I demand that they remove it entirely from my credit report because it is affecting it negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several companies have tried to pull my report and I did not give them access to do so. I also have old accounts on my credit report that were closed and should should have been removed. XXXX XXXX, XXXX and XXXX XXXX XXXX are the only one I authorized to run my credit. I have disputed with all of the credit bureaus and nothing has been removed. I have sent letters and none of them can provide information verifying that these inquiries are mine. Yet they still remain in my report. I have also reached out to XXXX and they agreed to removed the {$130.00} from my credit report but it is still there, this was a part of my XXXX  bankruptcy.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX Balance {$10000.00}
Product: Credit reporting or other personal consumer reports

Reported credit card through Citicards CBNA opened without my knowledge to all XXXX  credit bureaus on XX/XX/year>. XXXX alert and freeze added to all accounts.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Transunion made. And Im sure that there agency didn't Report 100 % correct Information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau, After checking my credit report with your company, I am notifying you that you need to update the account number of ( XXXX ) with the account name XXXX XXXX XXXX XXXX that the creditor is no longer a derogatory status that you are reporting. 

? = Data Point is QUESTIONABLE in its reporting I = Data Point is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of Metro 2 Five points of compliance! 
M = Data Point is MISSING and or is DEFICIENTLY reported as compared to what is most likely Information that SHOULDVE BEEN adequately reported! 
U = Data Point is else wise UNPROVEN. as reported! Undocumented claims can NOT be assumed valid nor compliantly report. 

I ask that you contact the creditor of XXXX XXXX XXXX and get my paying history corrected ASAP as its causing me issues with my credit score. Send me an updated credit report with 15 days when correction has been applied. My address is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX ). 

Thank you for your attention,
Product: Debt collection

My account was included in bankruptcy but Comenity Bank failed to adhere to the court and sold my account to XXXX XXXX I would for Comenity Bank to update my file and delete the account off my credit report due to lack of verification on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several items on my Transunion credit report on XX/XX/2023 via certified mail. The dispute was received on XX/XX/2023. In addition, I disputed several inquiries as well on XX/XX/2023 via certified mail as well. That dispute was received on XXXX. I still have not received a response as of today. I sent a follow up dispute letter on XX/XX/2023. Its been 30 days since they received my dispute and still haven't received a response. 

Please note that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 61i ( a ) ( 1 ) ( A ), aad I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX incorrectly reported a 30 dya late payment on my credit report. I have made several payments within the 30 day gace period permitted after the due date, I asked for a full payment history of my account and never received it. Upon making the payment within the 30 day frace period i was told by the customer representative that I was within the 30 day grace period. Therfefore there would be no delinquent reporting in XX/XX/2023.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX XXXX  # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have closed a credit card account ( Apple Credit Card by Goldman Sachs Bank USA ) in XX/XX/XXXX after paying off all the remaining balance before the statement due date. 
I never had any late payment with the account since opening in XX/XX/XXXX. I thought I closed the account for good without any future issues. 
However, in XX/XX/XXXX Apple reported to all credit rating agencies that I was late over 30 days on " trailing interest charge '' of {$63.00} which I did not see on the last statement but I promptly paid anyway in hope Apple would delete the late payment record. 
As a result, my XXXX score went down by XXXX point from XXXX along with other credit agency scores. This Apple late payment is the only negative spot on my otherwise spotless credit report on all my over 10 accounts in the last 20 years. 
I've made all the payments for the Apple Credit card in accordance with the monthly statement before closing it. I am now in extreme difficulty getting a credit or any other critical loan for my living.
Product: Checking or savings account

Contacted Bank of America about a checking account opened in my name. Was directed to the fraud department and they would not help me at all without me giving them my full social security number even though I had the account number since I got a letter from them stating I had a new account with all the info on it. They should have just closed the account when I said I didnt open it. Apparently this is a huge problem with Bank of America as it is all over the internet.
Product: Checking or savings account

I had recently lost my debit card from first citizens bank, my card has the pin labeled on it, I already filed a dispute with the bank for an authorized purchase of {$2700.00}. Someone mad an a unauthorized purchase with my card. I have also had to call to cancel my card and everything to get a new one due to the incident that occurred. The bank declined my dispute.
Product: Credit reporting or other personal consumer reports

This company has responded to my complaint and stated I could reach out to XXXX in response to this account. The person attached to this number PURPOSELY ignored my call, and forward call to voicemail intentionally. He actually answered the call and then once I responded hello he disc call and since then my calls have been going to voicemail. This account needs to be removed from my credit bureau as stated in a letter they entitled over to credit bureau to XXXX disputed. They did not provide the information I requested it just a bill. I REQUSTED The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
I DID NOT REQUEST JUST A BILL. they did not send proper validation at all this account needs to be removed, I sent a letter prior to the original cfpb complaint and STILL HAS NOT RECEIVED THE PROPER INFORMATION I REQUESTED ABOVE. Below I will attach the information of what I requested also the attempts I made to try to reach out to this person, everytime I call the agent will forwards me to the same number thats left in the response and no response. I called over 6 times and he intentionally did not answer again he answered stated his intro and disc once I responded and I dont appreciate the games because this needs to be handled and removed by per fcra law IF PROPER DOCUMENTATION REQUESTED IS NOT PROVIDED NEEDS TO BE REMOVED. also they never sent anything I requested again before the first cfpb complaint. He gives off his number to play cat and mouse games. I dont approve of that. XXXX XXXX is who they gave me the name for, Below I XXXX XXXX how many times I called and got fwd to voicemail or ignored ON PURPOSE as stated he answered spoke I responded he disc call I have proof. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT OR I WILL XXXX TAKING LEGAL ACTION IMPROPER DOCUMENTS THAT I DID NOT REQUEST I DID NOT REQUEST A BILL I REQUESTED THE INFORMATION ABOVE. WILL ALSO ATTACH WHAT I REQUESTED! I WILL ALSO ATTACH THE RESPONSE LETTER FROM THEM WITH THE NUMBER TELLING ME TO REACH OUT JUST TO GET IGNORED! Will attach the dispute results from them that they stated was staying on my report. Per fcra law if validation of debt was not send within 30 days needs to be removed a bill is not validation of debt and also did not send other information required with the account ALSO when doing cease and desist as request means all forms of communication reporting to debt is a form of communication. This account needs to be removed for XXXX specific reason that violate my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a late charge on several occasions with all three credit bureaus. XXXX waived a late charge ( the only late charge ) I've ever had with this credit card. According to CARES Act, Under Section 4021 of the CARES Act, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et. seq., is amended to impose new reporting requirements on institutions that furnish credit information to credit reporting agencies. Section 4021 provides that an institution that makes an accommodation with respect to one or more payments on a credit obligation or account that is subject to deferrals or forbearance agreements because of the COVID-19 pandemicand the consumer makes the payments or is not required to make one or more payments pursuant to the accommodationmust report such obligation or account as current or as the status reported prior to the accommodation. That is, accounts that were current before accommodations would remain current during the relief period, irrespective of any accommodations, while delinquent accounts before accommodations would remain delinquent, unless brought current by the consumer. 
My account has always been current with the exception of this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account and remove all the late payments : XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

We have a Home Equity Line of Credit through Truist Bank. About a year ago we locked this loan into a fixed rate instead of a variable interest rate. Over the last couple of months they continue to escalate our monthly fees with no warning to us. Our monthly statements actually say we owe XXXX each month, even though we have a balance of around XXXX. We have been paying $ XXXX to include the principal and interest which is above what we owed. When I logged into our account today ( where I can actually see what we owe each month ), I see they have raised our monthly payment over {$200.00} to {$1100.00}. I have called our local branch, and they tell me they can not explain this increase or help us that we need to call the main Truist loan number ( XXXX ) which I have done repeatedly. For the XXXX time this week, I've tried calling this bank today and I was on hold for over XXXX minutes. Someone finally answered and immediately hung up on me. How is this legal for a bank? My husband and I have repeatedly tried to contact this bank to ask what they are doing and they do not answer. Please let us know what protections exist for us and if a bank can just not speak with their customers.
Product: Mortgage

I signed for a home loan with my mother ( XXXX XXXX XXXX ) and grandmother ( XXXX XXXX ( deceased ) ) in XXXX for a property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX. My mother has always been responsible for mortgage payments for that home because that is where she resides. I purchased my own home in XXXX. My mother experienced financial hardship and, unbeknownst to me, stopped paying her mortgage for over 2 years. I was notified in XXXX by Wells Fargo Bank ( who currently services my home loan ) about this situation and was extremely upset. Wells Fargo employees instructed me that my mother was attempting to modify her home loan and needed my signature on the modification paperwork to do so. I informed Wells Fargo employees that I WOULD NOT consent to signing a modification and advised them that my mother needed to refinance her property in order to remove me from her home loan. Wells Fargo employees instructed me to sign a Quit Claim Deed and advised me that I would be removed from the deed of my mother 's home and the loan ( deed of trust ) for my mother 's residence ( above referenced property ). I signed a Quit Claim Deed in XXXX. I learned in XX/XX/XXXX that Wells Fargo actually modified my mother 's original loan without my knowledge, consent, or signature in XXXX. I was not aware of any of this until XX/XX/XXXX and have never received any documentation pertaining to the loan on my mother 's residence. I have been a homeowner since XXXX and have not lived at my mother 's residence since about XXXX. After repeatedly questioning them, I learned that Wells Fargo employees instructed me to sign a Quit Claim Deed in XXXX because that actually ONLY removed me from the deed and NOT the deed of trust. Since I adamantly REFUSED to sign a loan modification in reference to the property listed above in XXXX, Wells Fargo employees used deceitful tactics to have me removed from the deed of the property. Wells Fargo then processed a loan modification without my knowledge in XXXX. In XX/XX/XXXX, Wells Fargo employees acted as if they had a document with my signature on it from XXXX. I informed them several times that my signature was forged if they have any modification document from XXXX containing my signature. I later learned that they DID NOT have modification paperwork from XXXX containing my signature. I was informed in XX/XX/XXXX by Wells Fargo employees that " they were not required to have my signature on the loan modification in XXXX. '' I repeatedly advised that this was illegal. I was informed that this practice was " ok '' back in XXXX but advised that this practice " has since changed '' and that they require signatures from everyone listed on the loan. I have since obtained a copy of the paperwork and will be attaching it to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear XXXX, Please be advised this is my SECOND WRITTEN REQUEST. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you haven't stated who verified these accounts. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

You have NOT provided me a copy of ANY original documentation required under the SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 



Thank you for your time, XXXX XXXX To Whom It May Concern, These accounts are reporting TWICE, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following charged off account : Account Name XXXX  - Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since despite this account is being charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. 

As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. 

Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

AFTER NUMEROUS EXCHANGES WITH DISCOVER AND THEIR UNWILLINGNES TO PROVIDE ACCESS TO MY ACCOUNT, I ASKED THEM TO CLOSE MY ACCOUNT ON XX/XX/year> AND REFUND MY MONEY. THIS WAS OVER ONE WEEK AGO AND HAVE NOT RECEIVED A RESPONSE.
Product: Credit card or prepaid card

I purchased a water heater from Loews. It had a 5 year warranty attached and was also supposed to have an L attached to it to cover labor. The water heater started leaking and when I called the warranty department at Loews they did not reply for 2 weeks and water was running in the home. Added problem was that the amount tendered did not cover the replacement. I went to a Loews store in Arizona and Manager XXXX XXXX stayed on the phone for and hour straightening out this unfair treatment. I thought everything was in order until I called The XXXX XXXX XXXX and they don't have any one to install the Water Heater.I had paid for 2 years thinking that I had coverage. With my out of pocket payment for installation I am out XXXX dollars Meaning that the coverage left me with a deficit.Hours spent with a tenant without a Water Heater.
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 right to privacy and Confidently under 15 U.S.C.1681S-2 ACOUNT NUMBER XXXX IS A CHARGE OFF ITS A CANCEL Furnishers of consumer information. 
I WOULD LIKE THIS DELTED ASAP PLEASE THIS ACOUNNT HURTING MY FAMILY FINACIAL
Product: Money transfer, virtual currency, or money service

Paypal Close My Account For No Reason. I checked there users agreement and there is nothing that I would have done and checking my activity I am no wrong even they close my account .I earn money after hard working. I lost my whole money. I try to contact to paypal customer service many time but didn't got any response. I open my paypal account via this XXXX XXXX ( link with my paypal account ) XXXX. ( XXXX XXXX  - XXXX )