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

I sent a letter out around XX/XX/XXXX to Experian, XXXX and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day -period beginning on the date on which the agency receives the notice of the dispute from the consumer of reseller. Please take action on my credit report, inquiries and closed accounts, chargeoffs on my credit report. 
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm a Bank of America card holder and there's been a few times where I went to places that was on the rewards part of the checking account rewards and I never got my rewards and one of them was just a few months ago
Product: Credit reporting or other personal consumer reports

Credit agency is reporting addresses that are non-mailable addresses to me, as well as my government name is listed incorrectly and I would like it to be accurate moving forward. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. EXPERIAN has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so.
Product: Mortgage

In XX/XX/XXXX, Mr. Cooper took over the servicing on my mortgage. In XX/XX/XXXX, I learned that the XXXX real estate taxes were not paid from the escrow account on time. In late XX/XX/XXXX, Mr. Cooper finally paid the penalty and interest charges assessed by XXXX XXXX XXXX for the late payment of real estate taxes. However, the failure to pay the real estate taxes before XX/XX/XXXX resulted in the loss of a tax deduction on my XXXX income tax return. As a result, I am out of pocket {$520.00} due to their negligence. 

Since the additional income tax was directly attributable to Mr. Cooper 's failure to pay my real estate taxes on time, I am seeking damages equal to the additional tax that I incurred XXXX {$520.00} XXXX. Although I have countless hours invested in getting this situation cleared up, I am not asking for any additional compensation for my time.
Product: Credit reporting

Transunion has not responded to any of my documentation and disputes XXXX to old files medical collections that are not mine
Product: Debt collection

I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Product: Debt collection

FOCUS FIN ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FOCUS FIN or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Credit card or prepaid card

Received new credit card with first statement balance due XX/XX/XXXX. Set up bill pay on XX/XX/XXXX. Noticed on XX/XX/XXXX that payment did not happen and submitted manual payment for full statement balance. Received a {$25.00} late payment fee plus {$73.00} in interest fees. Have never made a late payment, always pay statement balances in full, gold preferred member, and have {$75000.00} in cash in my BoA account. Called in and neither CSR or supervisor would waive interest even though bill pay should have made the payment in full and that I have never had a late payment or interest charges on an account with BoA.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN I recently received a copy of my Experian Credit Report, XXXX and XXXX Credit Report and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report? 

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states : ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 . 

Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX XXXX XXXX of ID and bank statement showing proof of address.
Product: Credit reporting or other personal consumer reports

According to 20 U.S. Code 1232g - Family educational and privacy rights : it states it protects your privacy by restricting the disclosure of personally identifiable information without your consent. This extends to financial information related to your XXXX  loans. Institutions must generally obtain your written consent before sharing specific details about your XXXX XXXX or XXXX loan status with third parties. In addition to this policy, XXXX has obtained my information without my consent and is not basing my right to XXXX due to the amounts they are starting I owe. I did not give any consent for XXXX to obtain any of my XXXX loan records nor did I give consent for XXXX to contact me regarding any finances or my XXXX XXXX. They do not have my signature for any loans XXXX states I woe to them or any documents that I have provided.
Product: Mortgage

On XX/XX/XXXX my bank submitted an electronic payment to LoanCare for $ XXXX.with an account # that had been the # for XXXX as the new acct # had not yet been received. LoanCare had issues with other accounts as my statement indicated double payments, then payments removed resulting in the loss of that payment from XX/XX/XXXX. On XX/XX/XXXX I called customer service to inquire about the delinquency on my statement and was given the email for the payment research dept. I sent a copy of my billpay detail to show that the payment was made and to what acct #. I was informed much after the fact that this was insufficient evidence and that they needed the transmittal number. Several calls to my bank I was informed that that information was unavailable and they provided an official statement from my billpay. Again, LoanCare said this was not sufficient as the old account # had been closed and they had no idea where the payment went. In the meantime, I am receiving notices of potential foreclosure, daily phone calls about delinquency even though my payment was theoretically in 'research '. I spoke to a manager who was extremely defensive and we had a three way conversation with my bank who repeated that the information being requested was unavailable. At the end of that call I requested that they make sure my acct was flagged so that I would stop getting the calls and letters. Every call I had with them I repeated that someone please make sure that this does not get reported as delinquent to credit agencies. I asked my bank to investigate any means to satisfy LoanCare as I was becoming afraid that they would not do their own research to locate the payment and would simply start foreclosure proceedings. My bank supplied the payment confirmation, I sent it payment research on XX/XX/XXXX. I got an autoreply from the email and heard nothing else. Today I received notice from XXXX that my mortgage has been reported delinquent as of XX/XX/XXXX. I called LoanCare, they confirmed receipt of the email and told me they are working on it and I should know something by XX/XX/XXXX. I am now waiting for a call from a manager, again.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVED These inquiries do not belong to me, and I have no association with the creditors mentioned. I urgently demand their removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to extenuating circumstances I went on a payment plan with them in the beginning of this year. I told the rep that my hours were furloughed and I needed some help. So I was to pay one month of payment in two installments as I did not qualify for deferment and they never even mentioned anything about COVID deferment at that time. I did not think much of it. I paid half {$320.00} when I called and then I paid the other half along with the monthly payment {$970.00} on XX/XX/XXXX before their due date of XX/XX/XXXX. Since it was a Saturday I even emailed their customer service on XX/XX/XXXX stating to update their records and not report the account late. 

But what do you know they reported this account late not only for XXXX but also for XXXX as well. I disputed with the CRAs to no avail. So I sent XXXXXXXX XXXX a goodwill letter to not report it as late. They declined to update my report even when it was their oversight and so I think it is gross misrepresentation of the reporting they have furnished. And of course they don't err on the side of customer service like all the other companies yet are intent on destroying people 's credits and credibility. 
Most of the complaints online where they have mistakenly reported and ruined people 's credits their response is if we do a goodwill adjustment to you we have to do it to all. That is just ludicrous. So they would rather destroy everyone 's credit not just yours. 

Dismal customer service. If anything else could be said for this company, it is that their customer service, for all their bluster, is atrocious. I realize that it is next to impossible to place the blame squarely on the customer service representative, since their managers and supervisors are ultimately responsible for the way their staff interact with customers. Apologies does not solve problems, results and actions do. As a matter of course, I occasionally become frustrated with the service and simply depart but in this case you can't do that because you have a mortgage with them. I even emailed goodwill letters to their executives about my issues and never even received an acknowledgment that they have received my messages. That is why I said their service is left much to be desired as it falters from top down.
Product: Credit card or prepaid card

I received a statement in XXXX from Sears Mastercard. I noticed that I had been charged late fees and interest charges on that statement. I always pay my statement seven days in advance of the due date and have never had a problem being charged late fees and interest charges. I immediately called customer service and asked them why they were charging me late fees and interest charges. Sears customer services stated they had received the payment late. It was determined in this conversation that the mail either had been held up or the payment had not been processed in a timely matter at the Sears Office. Customer Service said they would waive the charges. While talking with Customer Service, I pulled XXXX statement and noted that Sears had also charged a late fee and interest charge for that month. Customer Service stated that they had not received my payment in time for that month. Customer Service waived the late fee and interest charge for that month. I had to call back the next day to have those fees waived as Customer Service stated that could not waive fees for two consecutive months in one call. 

I received my XXXX Statement on XX/XX/2021 and it indicates that Sears is charging {$7.00} interest for purchases. I called Sears and talked with XXXX at XXXX XXXX on XX/XX/2021. I questioned why I was being charged an interest charge for purchases. I asked that this charge be waived and explained the circumstances with prior Customer Service calls. She stated that it is their policy that no additional waivers can take place after the two waivers for the prior months. This was not discussed with me by the prior Customer Services Representatives that did the initial waivers. 

I am disputing this charge because I have been faithful in making my payments on time for many years that I have held a Sears Credit Card. These late fees and interest charges were not due to my error but due to the lag in postal service, COVID pandemic and the lack of personnel to process payments issued to Sears Mastercard.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hi- I am writing this letter regarding the account numbers provided below. I do not have any such account with that company and I have tried to dispute it directly, to no avail. 
This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am writing to dispute the reporting of inaccurate information on my credit report. Under 15 USC 1681i ( 5 ), you are required to remove any inaccurate or unverified information. Additionally, 15 USC 1681e ( b ) mandates that you ensure maximum possible accuracy in your reporting. 

Please conduct a thorough investigation and provide me with the results, along with my updated credit report. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried resolving this matter several Times with Equifax no resolution. I also listed All Fraudulent inquiries as well. Please allow Equifax Consumer Affairs Dept resolve this issue. 
Thank you again XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

nelnet / XXXX XXXX account XXXX $ XXXX XXXX XXXX is the cfo this acct is on my reoprts and need to be updated as paid in full and updated per law 12 usc 1813 as soon as possible
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is Reporting, XXXX XXXX has a Balance my Balance is XXXX. 
Equifax was also Reporting. 
XXXX XXXX XXXX With a Balance This information is Also inaccurate My Balance is Also XXXX  with XXXX XXXX XXXX. 
I DISPUTED the Balance with Equifax, XXXX. And XXXX, My Request was, for Each Bureau, UPDATE, and DELETE, this inaccurate information from my File. 
My Balance From XXXX XXXX, and XXXX XXXX XXXX, is XXXX, and has been XXXX, since XX/XX/2021. 
EQUIFAX, XXXX, OR XXXX, Has not done as I Requested, and is Still Reporting inaccurate information. 
Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX XXXX ( Opened XX/XX/XXXX, Highest Balance {$20000.00} ), XXXX  - XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and my credit report contains fraudulent accounts across all three credit bureaus ( XXXX, XXXX, and TransUnion ). Specifically, the following accounts are unauthorized and do not belong to me : XXXX XXXX  with a {$17000.00} balance, XXXX listed as a charge-off, and XXXX with derogatory marks. 

These accounts were neither opened nor authorized by me, and no supporting documentation exists to validate their legitimacy. I have previously disputed these accounts but have received inadequate responses, leaving these inaccuracies unresolved. 

These false entries are severely damaging my creditworthiness and causing financial harm. I demand a thorough investigation in compliance with the Fair Credit Reporting Act ( FCRA ). If these accounts can not be fully verified with proper documentation, including signed agreements or applications, they must be removed immediately. 

I expect all three credit bureaus to uphold their legal obligation to ensure the accuracy of my credit report and provide a resolution promptly.
Product: Debt collection

Experian Dispute by Mail XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX RE : Report # XXXX / Account # XXXX To whom it may concern, I am notifying you that the following items are not reported correctly for the reasons indicated previously. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. The account is not mine and contains a XXXX  store as a home address, which is also not mine. 
Removal Requests : # 1 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Reported date XX/XX/XXXX On XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX called and asked my name and where I lived, but XXXX would not provide me any more information after repeated questioning. Later I found out that XXXX called me because they intended to illegally change the bad address on their initial account illegally placed on my credit. On XX/XX/XXXX, XXXX removed the same illegal XXXX, XXXX account for inaccurate information due to a similar dispute I sent. Likewise, I tried to dispute this same issue with Experian via the online dispute system, but the Experian staff did not correctly dispute and remove this illegal account. As stated before, I never lived at a XXXX store, and Ive never done business with XXXX XXXX XXXX XXXX. If you can not remove this account or prove that I lived in a XXXX store ( bad address & information reported by XXXX ), I will have my lawyer contact you. 
Once again, I am notifying you that these items are not reported correctly for the previously mentioned reasons, and I am asking you to reinvestigate them. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 

Let me know if you need any additional information to verify my identity and remove the illegal XXXX XXXX XXXX account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX cell
Product: Debt collection

I was served with paperwork in XXXX for a lawsuit on an old credit card. I entered into a payment agreement with the debt collector to stop the lawsuit. Last week, I got paperwork in the mail that they were pursuing a default judgement. 

On XX/XX/18 at XXXX MST, I called the debt collector to see why I got this paperwork since we were in a payment agreement and they replied that the judgement had already been awarded and I should pay the full amount immediately to avoid wage garnishment. 

The next day I got a notice in the mail that the judgement hadnt been awarded, in fact, the motion was denied as the next step would be a pre-trial conference as I had answered the initial lawsuit with our payment agreement information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus XXXX and XXXX  are reporting inaccurate information on my credit file. They are reporting a late on Axcssfn/cngo for XX/XX/19. I have never been late and it needs to be removed off my credit. I didn't know this late was reporting until I checked my credit.