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

To Whom It May Concern, Would you mind looking into this personal information for me - Seems a little awkward with certain information. I was going through my personal information on my credit and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? Under the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 2 ) and 605B, I am disputing the presence of employers listed on my credit report. The inclusion of employers on my credit report is inaccurate and irrelevant to my creditworthiness, as it does not pertain to my credit history or financial obligations. 

Employer - XXXX XXXX Employer - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/year> Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, AZ XXXX These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida,XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year>
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS NOT AUTHORIZED BY ME OR OPENED WITH CONSENT. THIS CREDITOR IS WRONGLY CLAIMING MY OWNERSHIP TO THIS ACCOUNT IS COMPLETELY WRONG AND INACCURATE ON THEIR END.
Product: Debt collection

XXXX XXXX XXXX, owned by XXXX XXXX, attempted to send me a move out notice. However instead of placing my zip code on both the envelope and letter they placed their own so it was not received. They sent it to Pro-collect collections. I saw it on my credit report and that the original creditor was XXXX XXXX. I promptly called the manager to obtain a copy of the notice, where I found they placed the wrong zip code, and within 7 days of receipt handed them a money order. 
I called Pro collect to tell them that the notices were never received from, any party, and that it needed to be removed from my credit report. 
They informed me that they would not remove it because " I chose to pay the original creditor. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter. 

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Late Payment Reporting on XXXX XXXX XXXXXXXX Dear XXXX, I am writing to formally dispute the inaccurate reporting of a late payment on my Kickoff account, which appears on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance to ensure the accurate reporting of my account information. XXXX. Dispute of Inaccurate Reporting : The reported late payment on my XXXX account is erroneous. I have always made my payments on time, and I dispute the validity of this reported delinquency. Under the Metro 2 standard, which you are obligated to follow, the reporting of account status and payments must be accurate, timely, and verifiable. XXXX. Challenge to Method of Verification : I challenge the method by which this late payment was verified. Under the FCRA and Metro 2 guidelines, you are required to provide a detailed and specific method of verification used by the furnisher ( XXXX ) to confirm the accuracy of the late payment. The standard " verified as accurate '' response is not sufficient. Please provide me with the full details of the investigation process, including who at XXXX was contacted, the documentation provided, and how this determination was made. XXXX. Timing of Payment : I also dispute the timing of the payment reported as late. According to Metro 2 reporting standards, the timing of any delinquency must align with the actual due date of the payment, and any deviation from this should be properly documented. I request that you investigate and ensure that the correct payment date is accurately reflected in your records. XXXX. Request for Reinvestigation : As the current reporting does not comply with Metro 2 guidelines, I request that XXXX reinvestigate this matter and update my credit report accordingly. Please provide written confirmation that this disputed information has been removed or corrected. If you fail to remove this inaccurate information, I request a description of the procedures used during the investigation, as mandated by law. Per 15 USC1681n ( a ) ( 1 ) ( A ) of the FCRA allows consumers to recover up to {$1000.00} 15 U.S. Code 1681b - Permissible purposes of consumer reports I am challenging any hard inquires or unauthorized accounts without a permissible purpose. 15 U.S. Code 1666b - Timing of payments Also I noticed some incorrect personal information being reported on my credit which I am demanding to be correct immediately! Please be advised that failure to comply with the FCRA and Metro 2 standards will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for noncompliance. Thank you for your prompt attention to this matter. I expect a response within the time frame prescribed by the FCRA ( 30 days ). You can contact me via the information listed above if further details are required. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX Transunion has been charging me a monthly subscription fee for a subscription I never agreed to. I never signed up for the paid Transunion in the first place - only a free trial. I understand Transunion was fined recently because of a misleading free trial. I would like all the money back that Transunion took from me.
Product: Credit reporting or other personal consumer reports

I did not authorize the hard inquires. Please remove these unauthorized hard inquiries from my credit report.
Product: Mortgage

XXXX XXXX complaint The file was submitted for a modification but in the process. the member had a medical procedure that caused her to be off from work and the pay stubs were not available. the Wells Fargo review team stated that she did not have any income but she was temporarily out recovering from XXXX. The file was denied a modification due to lack of income. She was further denied due to NPV of which the servicer underwriter told her that he will not provide the expressed calculation for her to review. They are not being forth coming with a decision based on the income which has been submitted for considerations. According to US TREASURY guidelines the servicer must be transparent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/22 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX, XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. 
Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violatons. 
Warm Regards, XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding fraudulent items on my credit report. This marks my second attempt to resolve this matter, and I am seeking for your assistance due to continued inaccuracies and discrepancies. Despite my initial attempts to rectify this issue, the fraudulent items persist on my report, impacting my creditworthiness and causing undue financial stress. Given the continued presence of these fraudulent items and the lack of resolution, I am requesting for your intervention to investigate and facilitate the removal of these inaccuracies from my credit report. These items not only misrepresent my financial history but also have a significant adverse impact on my ability to access credit on fair terms. I am available at your earliest convenience to provide any additional information or documentation necessary to support this complaint. Your prompt attention to this matter would be greatly appreciated. Kindly help me remove the following items immediately : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Opened XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1700.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed XXXX {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} NAT XXXXXXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

I am a XXXX XXXX and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Thank you very much Delete from my report
Product: Checking or savings account

The account was opened XX/XX/XXXX the account was closed XX/XX/XXXX. The account was closed due to fraudulent check being deposited into an ATM after hours the check was never cashed out. Upon talking to XXXX I notified them that I didnt do it and had no knowledge of this deposit they said it would be resolved, their resolution was closing the account and reporting it to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion scammed me into a membership charge
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I checked my credit card statement online and discovered two {$10.00} fees for cash advancement purchases. I called JP Morgan Chase Card Services and they told me that there was a new policy in effect that categorizes online purchases from a crypto currency " XXXX '' exchange as a cash advance. I made two purchases with a Chase credit card on XX/XX/XXXX and XX/XX/XXXX. I had previously purchased a minimal amount back in XX/XX/XXXX, and was not charged a cash advance fee. Chase made a change to their cash advancement fee policy overnight without ever informing consumers. I only found out after the charges were already assessed. I further learn that the charges are not covered under a " grace period '' so, whether I pay off my bill early I am still charged interest. I called Chase and requested the charges be removed however, they refused but acknowledged that the policy change was not distributed to consumers.
Product: Credit card or prepaid card

HI, I was trying to make a payment with CapitolOne credit card for {$110.00} dollars on XXXX/XXXX/XXXX and the company processed a payment for {$110.00} and {$100.00}. I never authorized a payment to be processed for {$100.00}. I asked to have an automatic payment started next month but the agent started it that day. I tried to speak to them the next day when I seen it post on my account. The issue was not resolved at that time and it has not been resolved yet and the money was taken out of my account.
Product: Mortgage

Initially, I was unable to continue paying my mortgage due to unemployment. Although my job was eliminated back in XXXX of XXXX, I was able to continue paying my mortgage until XX/XX/XXXX. My mortgage company granted me forbearance while I continued seeking employment. In XX/XX/XXXX, I did begin working again, but not making sufficient income to begin paying my mortgage and I sought further assistance from my mortgage company, staring in XXXX of XXXX. In XXXX of XXXX, my mortgage company informed me that my request for further assistance could not be granted due to the 'default status ' of my student loan ( federal student loan ). I did contact the student loan company and they informed me that my only option was to pay my student loan in full ( ~ {$180000.00} ) before the status of my student loan could be changed. 

At this time the mortgage company requires that I pay {$11000.00} up front before I can resume paying my mortgage. I recently was able to land a job paying significantly more and desire to start paying my mortgage again. I am requesting assistance with the mortgage company through CFPB, hoping that my mortgage company can be persuaded to allow me to start paying my mortgage without having to pay {$11000.00} first.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute XXXX  failure to follow up on an investigation regarding inaccurate information on my credit report. I previously submitted a dispute requesting a review and correction of erroneous data, specifically regarding [ mention the account or item in question ]. However, XXXX has not taken any action to remove or correct the information, despite my notification that Consumer Financial Protection Measures ( CFPM ) has filed a lawsuit against the company responsible for reporting this inaccurate information. 

As a result, these errors continue to negatively impact my ability to secure housing. XXXX lack of action violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct a timely and reasonable investigation into disputes. 

I request that XXXX immediately re-investigate this matter and correct or remove the inaccurate information from my report. If no action is taken within the legally required timeframe, I will escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal options. 

Please provide an update on the status of this dispute as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting

Approximately 60 days ago I sent several letters via the Unites States Postal Service to Experian requesting proof of authorization for several credit inquiries I do not recall giving permission for. I have not recieved final response, I have not been furnished with any proof of authorization and Experian has failed in their duty to delete entries they have not provided sufficient proof for.
Product: Mortgage

About a year ago, I called XXXX XXXX XXXX ( my mortgage holder ) because I saw an ad on TV about a government program that could reduce your mortgage payment. All I did was inquire about the program and my mortgage began to unravel like a spool of thread. Long story short they sold my mortgage to a company called Penny Mac. After reading the information of the program I discovered that it is a program for people that are upside-down in their mortgages of which I have NEVER been. After I declined the paper work my payments began to be posted later and later until I receive a notice that I was 2 payments late and Penny Mac was threatening to foreclose on my mortgage. I sent my last payment on XXXX/XXXX/2016 through the US mail. The check XXXX XXXX. It was for {$1500.00}. This was my payment of {$1400.00} plus the late fee of XXXX. This payment has never been posted. The postal worker is my friend and she placed the stamp on the payment and marked the envelope posted so I would have a witness that I sent the payment. The payment on XXXX/XXXX/2016 was made over the phone ( so I had it recorded ) and was not posted to my mortgage either. It was deleted from my bank account on XXXX/XXXX/16. I called Penny Mac and they told me that, " They have my money ... in a " holding account. '' A asked, " Why is my money sitting in a " holding account '' and not applied to my mortgage?!!! I have NEVER signed anything saying I want or need a modification to my mortgage. I am certain there is something very wrong going on. '' The agent told me that by just inquiring about the modification program that gave them the leverage to modify my mortgage. I have worked for XXXX XXXX in my past and have NEVER heard of this! I believe that to modify a mortgage you do need the owners signature. My daughter is a CPA and she informed me to contact you. They have harmed our credit and are trying to do something unethical. I appreciate all the help you can give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent documents to XXXX and Transunion via certified mail indicating that I was a victim of identity theft and fraud. I very specifically included the following statement, " I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. '' Upon calling Transunion after receiving notification that the documents were received and the dispute was underway, I was told that I had XXXX social security numbers on file, but they verified the information and would not be removing any items from my report. XXXX claims to also have validated accuracy, but when I asked both agencies who they spoke with, times, dates and what was said that validated the inaccurate claims on my credit report they were not able to provide an answer. One agent for Transunion stated they used and internal electronic system to verify the information. I again asked that the items be removed as the aforementioned credit companies were violating my rights as a consumer by reporting things that one, do not show up on all three credit reports, two not properly investigating the claims they are asserting against me and lastly for listing different information on each on of my credit reports. The agencies have failed to do due diligence in properly verifying accounts that are listed in properly and are committing fraud by willfully reporting information that is incorrect to parties without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a company that ran credit illegally going back to 2002 stated by XXXX XXXX was told by XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I was told they went back to 2002 then XXXX XXXX  went down my credit file and said they obtain the information from Experian. There is a statue of limitations by what state your in and there is no law that states Experian can use something 17 years ago as stated by XXXX XXXX. I did not give them permission or what ever company they used to go back 20 years nor can Experian provide me such a law state or federal that show Experian can go back for applying for credit. Experian sold or obtain information by XXXX XXXX with out my permission. I was also told Experian/ XX/XX/XXXX ran hard credit in which I'm not buying no house or agreed to such terms by XX/XX/XXXX. There has been a complaint filed with the state Real Estate Division regarding XXXX XXXX XXXX practices and other issues by XX/XX/XXXX XXXX XXXX stated to me they can go back and use credit 17 years ago. Experian also has an OPT OUT meaning that there not to share or have companies run promotional inquires. I have also filed on Experian at the US Attorney office and XXXX XXXX on there practices and how they cause damage.
Product: Debt collection

i reported fraudulent activities to my bank. bank failed to investigate. 
Bank closed my account that had negative balance due to fraud. 
Bank sold account to collections agency. 
Debt has been disputed and has found it is inaccurate however creditor continues to sell debt and post to my credit profile.