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

I am writing to express my dissatisfaction with the handling of my credit report and the multiple, unsuccessful attempts to correct inaccurate information related to removal of the charge-offs accounts. It has come to my attention that despite repeated efforts, these issues persist on my credit report, adversely affecting my creditworthiness and financial standing. However, these removal have not been reflected, and the incorrect information remains, impacting my credit score negatively. I have noticed inaccuracies regarding charge-offs on my credit report. Despite providing documentation to support the resolution of these accounts, the charge-off status persists, and I have observed no improvement in the reporting. Furthermore, attempts to rectify inaccuracies regarding these accounts have been unsuccessful. The persistence of this misinformation is not only frustrating but also detrimental to my financial standing. I kindly request a thorough and immediate investigation into these matters. Additionally, I expect timely updates on the progress of the investigation, including any actions taken to correct the inaccuracies on my credit report. To aid in your investigation, I have attached supporting documentation. I am asking for your assistance to remove the charge off accounts in my credit file : XXXX XXXX Balance : {$250.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date, XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update to my payment history. A charged off account should NOT include active payment history. This inaccurate falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding A deletion of the following account. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a new complaint after MoneyGram 's response to complaint XXXX. I will copy their response below. As you can see they have made some libelous claims against me, and the number and address they supplied to speak to Mr. XXXX have not worked out. MoneyGram refuses to contact me. Some years in the past I had a problem with XXXX XXXX because someone with my same name had caused some problem ; however, XXXX XXXX contacted me an we resolved my identity. The number MoneyGram supplied is a general service number out of the Country, but XXXX said he would email Mr. XXXX and ask him to call me which never happened. In addition, I sent several letters to the XXXX address. At this point I am simply trying to have a discussion with Mr. XXXX to find out why they have made these false claims. I hope you can somehow help me with they. I plan to spend whatever time necessary to correct MoneyGram 's error. 

This was their response : The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Dear XXXX XXXX, Your email on XX/XX/2019 to the Consumer Financial Protection Bureau via the online complaint portal regarding a MoneyGram online account has been forwarded to our attention. We would like to assure you that we are now investigating the issues addressed in your email. We will keep you updated on the progress of our research and will communicate back to you with a more detailed response once we have completed our investigation. While we are researching your concern, if you have any questions, you may contact us directly by e-mailing us at XXXX, calling us at XXXX or by writing to us at the address provided below. To assist us in addressing your inquiries efficiently and promptly, please reference case number XXXX in any future correspondence. XXXX XXXX, thank you again for giving us the opportunity to respond to your concerns. We very much appreciate your patronage with MoneyGram and look forward to the privilege of assisting you again soon. Sincerely, XXXX XXXX XXXX XXXX Department XXXX MoneyGram XXXX Mailing Address : XXXX XXXX XXXX  MoneyGram XXXX , XXXX XXXX XXXX XXXX XXXX , TX XXXX
Product: Credit reporting or other personal consumer reports

This letter is in response to all letters, emails, phone calls, or any other mediums of communication From XXXX XXXX XXXX where Ive received notices from your organization. In accordance with the Fair Debt Collection Practice Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all this Cease Communication letter, and in accordance with the Federal Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts, or to notify me that a specific action will take place. 
If this alleged debt belongs to me, then please provide the Validation of Debt agreement that speaks on my behalf. In accordance with 15 U.S.C. 1692g, please send me a detailed list of the history of payments Ive made on this account. I also want to witness the signature that Ive signed on the official contract documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there has been any insurance claims found on this debt. I will request proof that you have the chain of title to collect on this debt. 
Please be advised that I am will aware of my rights and know that further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( XXXX ) party that you use to coerce the collection of this debit shall also be in violation of federal law. 
If you do not cease communication, a lawsuit will be filed against you. 
This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication continues. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX
Product: Credit card

I received a text message on XX/XX/XXXX alerting me that my credit card was charged {$1700.00} XXXX Dollars on XX/XX/XXXX while on holiday vacation in XXXX XXXX. I immediately called the number on the back of the card and reported this unauthorized charge. I was told on a recorded line that I could continue to use my card and make a formal dispute when I returned to my home in XXXX, Arizona XXXX. On XX/XX/XXXX I received a letter from Barclays that the investigation determined that the charge was a valid charge and I was responsible for the payment. The provisional credit was reversed and the charge in now on my card as of XX/XX/XXXX. They mentioned that since chip technology was used and can not be counterfeited the charge is valid. My dispute with Barclays is that it was a possible that fraudulent use of my card was made at the restaurant I had dinner since the card was provided for payment and paid with MXN paseos. The card was out of my possession when the waitress left with my card to make the transaction, and my card was returned to me. The restaurant was contacted, and they have no record of this fraudulent charge and I have misplaced my receipt. Barclays refused to credit my account. New card and number change has been sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I requested a wet signature signed contract that I owe credit acceptance! They have also placed a late payment on the account And the account is closed. If the company can not send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity.

Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

XXXX  XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.
Product: Credit reporting

Additional documents attached to support complaints XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Disparity in credit scores still continues. Key factors that adversely affected my credit scores. Serious delinquency, number of accounts with delinquencies, time on delinquency is too recent or unknown. A review of credits reports does not support these adverse comments. There no delinquencies. If there are no delinquencies time on delinquencies are null and void. Several accounts continue to be reported as and adverse accounts or accounts that may be negative. Information creditors are reporting to bureaus does not support adverse/accounts that may be considered negative. Several accounts have inserting bankruptcy comments, which I believe is the reason for reporting as adverse. Public record was a chapter XXXX bankruptcy which was dismissed in 2009. There were never any liens /liabilities against this file. These accounts were never included in bankruptcy. Information received from a creditor reveal that they throw out the high credit score and the low credit score, using the middle score. Based on their processing, I missed the cut off by XXXX points. Why do credits continue to use credit bureaus information as gospel?. Believe the creditor should communicate with customer before making any decision on an application. Creditor questioned why is there such disparity in my scores. scores. This question has been asked with responses from the credit bureaus. Why do the credit bureaus have such power to dictate who is credit worth or not. In response to my disputes, the end results are that information is accurate and will no longer investigate. Their re investigative results are verbatim Like they copied and pasted their results from previous investigative results. XXXX account show that records were updated based my dispute submitted over one year ago.
Product: Debt collection

Helvey and Associates IN is reporting a debt owed in the amount of {$350.00}. The debt is a result of fraudulent charges that continues to be resold and passed around. The debtor in which they say I owe, I currently have an account with them and is in good standing. The account that they have does not belong to me.
Product: Student loan

I XXXX XXXX signed an agreement with Navient during 2007. I signed the application using my mother 's name XXXX XXXX without her knowledge. During that time my father and only sibling were XXXX, therefore I did not want to ask my mother as she was dealing with that unfortunate situation but nevertheless I was wrong. I have forwarded a signed letter acknowledging that my mother knew nothing of this loan and I am fully liable also it matches the signature on the application in which Navient sent my mother a copy. Also if they view the signature on the domicile that my mother informed me she has forwarded several times to Navient, the signature on the application does not exactly match the one on the domicile in which she forwarded, that is because the signatures on the application are both mine not XXXX. My mother indicated Navient keeps stating that the documents were returned authorizing the agreement, but what they seem not to comprehend is the address that the documents were sent to is n't my mother 's address, it was mine. She spoke to their fraud dept she said upon discovering on her credit reports. She spoke to XXXX XXXX and then I am guessing they changed their name then Navient. 
Well this company has this XXXX loan on my mother 's ( XXXX XXXX, which I attached she mailed to me ) and myself credit reports XXXX times, the same XXXX account is showing XXXX times. They indicate the loan was issued in XXXX parts, I do not recall anything about the loan being issued in XXXX parts but it was still XXXX loan and should not be on the credit reports as if it were XXXX loans, that 's also fraudulent credit reporting. It was XXXX loan. Please look at the dates and all of the information for the XXXX accounts that they have documented on the XXXX credit reports it 's the same loan in which they have massive increases different from the loan agreement. Also, if you review the XXXX credit report attached, it is the same loan, however, they are documenting different dates and amounts. So, I was wrong but they are also committing fraud. I am again asking them to remove the XXXX accounts they have listed on my mother 's credit report and to remove the fraudulent accounts that they have on her XXXX report.
Product: Debt collection

There was not an option specifically tailored to my needs. 
I had a {$100.00} balance with a utility provided after I ended services with them. 
It was missed and on XX/XX/XXXX I received an alert from XXXX. I pay all my bills on the XXXX of each month, and included it to be addressed and paid in full on XX/XX/XXXX. 
I.C Systems reported the same collection 5 times to my credit, resulting an a credit score decrease of 24 points. All the while I am in the process of increasing a business credit line. 24 points is detrimental to a business owner, and reporting the same collection 5 times in one month should not be allowed, and should not effect someone's credit score that dramatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX  account XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX  XXXX account # XXXX, XXXX account # 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 an account without written instructions.
Product: Credit reporting or other personal consumer reports

I requested XXXX XXXX  credit card to close on XXXX XXXX and from credit report I get to know, it got closed on XX/XX/XXXX. 
Later there was a charge on Credit card on XX/XX/XXXX from XXXX shoes. XXXX allowed the charge and didn't inform me about the charge. 
the last continuous statement that I got was for XX/XX/XXXX. After that I was not getting any statements. 

Out of blue I got a mail from XXXX on XX/XX/XXXX stating XXXX is stopping the product and all current accounts are getting closed and had 7 attachments. I checked few attchements ( Not all ) and all balances was XXXX in those. Also I was not expecting a change on a credit card which was closed more than a year ago. 

Then on XXXX I noticed my Credit score dipped and noticed a charge on XXXX. Then I went back to XX/XX/XXXX mail and found one of the statement our of 7 files had this charge. They send the charge intimation after 8 months. That too not as part of normal intimation, and it looked like a general mail after there product closure. 

As soon as I find the info about that charge I worked with company to pay the charges. 

I informed them If there was an intimation of the charges, I might have worked with roadrunner to revert the charges or paid. Since they didn't info me about the charges my credit score have been affected and its affecting my mortgage rates. When I asked the company about the same. They said they marked the account as paid, they can not do anything more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I a late payment for Lexus Financial. It was from 2021. I called them to discuss and we both came to the conclusion that it was when I signed up for Automatic payments from my checking account. I must have not submitted something properly and it didn't take the money from account. It was rectified the next month when I realized that my payment had not come out. 

That is the only late payment on my credit report and the only late payment I have ever had with them. It was a simple mistake and I asked if they could please get that taken off of my credit report and they stated they could not the error would have had to be on their end. 

They suggested to me that I come to this website and try and have you get it rectified. I hope you can assist me with this.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reporXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all of my " Credit Limits '' - of all my credit cards to the bureaus ' and my credit totals collectively add up to a total credit line of : {$110000.00} and the Bureau 's are only showing a top credit line of only : {$76000.00} which is a whopping " {$37000.00} '' missing limit which would greatly decrease my credit balances, and decrease my credit ratios. XXXX for the most part tend to be the most stubborn aggressor in changing my information to a correct status. This change will increase my credit ratios and scores. After all, these Bureau 's are in the business of reporting " Bad Credit '' - The worse the credit, the more credit reports and fees are collected because all consumers at some point must use their scores, for credit approvals, home purchases and car purchases..Just to name a few. But the Credit Bureau 's are making a killing in fees. I need for your organization to help me in keeping these Bureau 's transparent, yet liable for their fraudulent actions. I have suffered enough by their inaccurate scoring models. Please help me to restore my Credit Standing, Scores, and proper reporting status