23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX XXXX XXXX Amount Charged Off : {$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 reporting or other personal consumer reports

Experian 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcomes.These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

We ware renting an apartment. XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX They retain a collection company Kimball , Tirey & ST. John LLP Located at XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX. XXXX. They are demanding payment of {$2700.00} We full field our obligation for the 12 months contract and they claiming that we never give them 30 day notice i wrote on my last cashiers check the 30 day notice also i inform to one of their staffers that we ware moving out. 
The reason why we ware moving out the apartment complex was to old and over price for what their promised. During our residence in XXXX XXXX XXXX we experience multiple sewage back ups from our apartment and the one up stairs, rain gutters ware backed up so water spills at our front door, No A/C and I file multiple times that we have roaches on our kitchen no much was done about it. 
I spoke to someone at the law firm explain our situation and they said they would get back to us but they never did all we keep getting harassing letters.
Product: Credit card or prepaid card

American Express lowered my credit limit from {$20000.00} to {$12000.00} and told me I had to pay about {$3000.00} and if I did then they would raise my credit limit back up. I have never been late on a payment or missed a payment with them since the start of my account over 4 years ago. This took my credit usage up on my credit score while I am in the middle of applying for a small business loan. Again, I have never done anything for their company to label me as a liability to lower my credit limit. I have never missed a payment on this credit card or any other card, loan, or mortgage.
Product: Credit card or prepaid card

American Express Blue Cut My Credit Line From {$5000.00} to {$2400.00} For no good reason other then I happen to use my card a little more in a 2 Month periot then in had in the Passed .only to do work on my new condo This I belive Is a discrimination of my credit line and my personal life. 
By doing this American Express has cause my credit score to drop 60 Points ... 
Please note I have made my mountly payments on time all the time other then one time when my secetery used the wrong bank to make a payment was returned I noticing the problum I immediately rectified the mistake then made another payment the very next day. 
I will always cotunnue to make my monthly payment on time all the time And be a loyal card member to bad American Express Blue cand do that in return ... 
Point of information : I have double to trippiled my required monthly payment more then once and for this Im rewarded by having my credit line cut.. 
Not Fair.. 
I have closed this account but however the dropping of my credit line still remained on my credit reporting history causing my balance to credit line to go over 30 % and its because of that my credit score to drop Big ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CAPITAL ONE add a hard inquiriy on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2020, CAPITAL ONE BANK USA add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2020, CAP ONE NA add a hard inquiry on my credit report per XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agreement was made to remove from credit report when final negotiations of payment which both parties were satisfied. Using almost scare tactics to cause me to settle or lawsuit would be brought against me. Settled with the agreement on amount and removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2.XXXX/XXXX   XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX/XXXX XXXX, FL XXXX ( XXXX   ) XXXX 4.XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX 5.XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am showing inquiries from all the above creditors and I have never applied for credit with any of the above listed companies.
Product: Credit card or prepaid card

On XX/XX/XXXX I wrongly deposited a check for {$50000.00} at a Citibank ATM machine to my credit card account instead of my checking account.. I called XXXX XXXX XXXX credit card that same day and was told it would take 3-5 days for the check to clear and for them to transfer it to my checking account. On XX/XX/XXXX I called again and was informed that due to the large amount of check, it was 5-7 business days not 3-5. They said the latest it would be was! XX/XX/XXXX. I called on XXXX and was told the transfer would take 5-7 business days from XX/XX/XXXX not XXXX which was the first day I requested it. They now say the funds will be transferred to my checking on XX/XX/XXXX which will be 10 business days from my originally request of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several unauthorized inquiries have been made on my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all of the following inquiries be blocked and removed from my credit report immediately, as they are the result of fraudulent activity : Inquiries : XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX EMPLOYEES - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX
Product: Mortgage

XXXX XXXX XXXX Attention : Department of Consumer Affairs I spoke with a representative in your office on Friday, XXXX XXXX XXXX. I was instructed to send a brief detail of my current situation, in hopes your office can help me resolve this eight month issue, which at this point seems irresolvable. 
My previous mortgage holder, XXXX sold my mortgage to Nationstar Mortgage Company. I received a notice from XXXX on XXXX XXXX XXXX to notify me of this transfer which will go in effect XXXX XXXX. I received my first correspondence from Nationstar on XX/XX/XXXX with my account information and my first payment installment information. On this document it also listed a discrepancy of XXXX, in addition to my monthly contacted payment of {$500.00}. I immediately contact this new company Nationstar and spoke with a representative on XX/XX/XXXX in hopes this error on my loan transfer could be corrected. 
Since XXXX XXXX XXXX to date : I have had XXXX calls, XXXX emails and XXXX faxes of requested documents to Nationsatr Mortage and XXXX. I have spoken with over XXXX different representatives in many different departments, from Customer Service Representatives, Escrow Supervisors and Corporate Staff. Apparently, XXXX made an error when transferring my loan to Nationstar. All documents have been received by both companies and it was concluded that I do not and did not owe this discrepancies. The monies were to be resolved between the XXXX companies. ( XXXX sending Nationstar this {$1400.00} ) Unfortunately, for reasons I do not know, this payment has yet to been sent. Nationstar has been and is still billing me for this amount. This situation has become a huge burden on me and my family. Nationstar has put my account in a delinquent status and has charged me numerous penalties for this outstanding {$1400.00}. 
I have been beyond diligent to do all I know/ knew to do and all I was asked by both companies in order for this to be resolved. Unfortunately, I am exasperated, exhausted, overwhelmed and quite frankly saddened, that I, the customer, have been treated as though I have no value to these companies. I have stated to both companies from the beginning, I do not owe this money, nor do I have this money to pay. I am a single mother of XXXX. I work XXXX jobs and I live on an extremely low budget. 
I have all documents to substantiate the facts. I will email or fax upon your request. Below, I have listed the last XXXX representatives I spoke with and their contact information. Both assured me, this problem was resolved! 





Thank you in advance for taking the time to review this distressing issue. I pray your office will be willing to step in and assist. I honestly do not know where else to turn for help.
Product: Student loan

Nelnet problems. 
My XXXX student loans switched to Nelnet. 
Nelnet increased my interest rates ( they are fixed rates at the time they were taken out and should never increase ). Also, Nelnet increased my length of repayment by 5-6 years. 
XXXX no longer has my original loan info available online so we need to get XXXX XXXX  to provide the original - correct info and nelnet needs to honor the original interest rate and repayment terms.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago, I noticed an inquiry from XXXX on my XXXX  credit report. I have never dealt with them before and immediately knew the inquiry was unauthorized. My mother ( who has the same name ), however, regularly shops with XXXX XXXX XXXX AKA  XXXX. She told me that she opened a credit line with them. She and I both had a conference call with this company and they were able to verify that my social was not registered to any any or inquiry. However, they refused to make any additional efforts to have this inquiry removed from my credit file and directed me to handle it directly with the credit bureau. 

The inquiry is dated XXXX.
Product: Credit card

After receiving my TD credit card statement, I saw a charge I did not recognize. It was a {$200.00} charge from XXXX. 
I called Customer Service at TD to find out what the charge was for. They told me they could not tell me as, although their records did show the charge, the record did not show the reason for the charge. TD told me to contact XXXX directly. I tried to call, but there was no number on their website I could find that was responsive to the problem. 
I called XXXX back and informed then of the above and said to put amount under " dispute '' until I was told the reason for the charge. 
On XXXX/XXXX/15 TD sent a letter ( attached ). XXXX responded by saying the {$470.00} charge was for XXXX. It is plain this was a non answer and I wrote to TD on XXXX/XXXX/15 ( attached ) so stating. Please note XXXX things ; first, I put " XXXX '' rather than XXXX because my company is involved in credit and it is so close, I put down the wrong name. The second is my PS. Asking for a missing statement. Nothing was received. There is a handwritten note at the bottom of the letter that, on XXXX/XXXX/15 reflecting I called XXXX at TD Customer Service to, again, get the missing statement and was told it would be sent. Not! 
I received a letter 0n XXXX/XXXX/15 ( attached ) from TD stating the merchant had issued a rebuttal and they were accepting it and putting that charge back to my account. You can see it is the identical " rebuttal '' sent in TD 's XXXX/XXXX/15 letter. 
On XXXX/XXXX/15 I received the enclosed XXXX/XXXX/15 letter. Interesting! I responded XXXX/XXXX/15 ( attached ) to see what TD 's response would be. There was no response. 
However, I did get TD 's last missive dated XXXX/XXXX/15 ( attached ) thanking me for enrolling my account and confirming the fact the first deduction will be on XXXX/XXXX/15. I called Customer Service and asked for copies off documentation showing I made such a request. They said they had none and would confirm that fact to me ( see XXXX/XXXX/14 letter attached ) Of course, there was no response to the letter or the promised confirmation. I am awaiting their next statement to discover their next move. I have paid all past charges on my TD statements other than the XXXX charge,. I will, in my next statement do the same. 
I do not consider the matter closed as my problem has not been addressed as shown by the above and attachments. Something foul going on with them on this matter.
Product: Debt collection

Out of the blue RADIUS GLOBAL SOLUTIONS placed a debt of XXXX on my credit report. I have no knowledge of this debt, the only hint I have is it states the original creditor was XXXX. I have not used XXXX in probably a decade. There was no attempt to communicate with me, no mail was received. There is no proof that this is a valid debt. I believe this company has tried to place this on my report to create a hardship in the hopes that I would just pay them. I am requesting they provide proof of this debt to prove it is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - C XXXX - XXXX XXXX - XXXX PAYMENT HISTORY XXXX  Status Collection account. {$270.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$270.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. The original creditor before transferring my loans to XXXX has five reporting accounts on my reporrt. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount.

Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. They marked me late and that reflected on my credit report before the loan was transferred to XXXX.
Product: Mortgage

Hello. I live in an " XXXX '' rated XXXX area as designated by XXXX. Therefore I require Flood Insurance. My house has a replacement value of {$160000.00} and I owe less than {$130000.00} on the house. My mortgage with NationalStar Mortgage was satisfied with my policy of {$180000.00} as this was more than both the amount I owed the bank and also was more than my replacement value. Then more than two years into the loan I received a letter saying I was not in compliance. I called NS and shared the requirements as stated on their letter to prove that I was in compliance. The issue went away for about seven months. Then I received a letter in which they changed the requirements whereby I had to meet one of two criteria 1 ) match the amount of my homeowners policy or 2 ) carry {$250000.00} ( the max under XXXX rules ). I disagreed by way of numerous calls. NationStar then took out an expensive supplemental policy for me to bridge what they say is a gap. This has created a real hardship as it has pushed our monthly to a place where we are exhausting our savings. I want to know if this is legal or simply unethical. True that I can refinance with someone else, but not without expense and an expense that I should not be subjected to if not for the predatory ways of this lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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