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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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Product: Credit reporting or other personal consumer reports

I acknowledge the efforts made by XXXX in addressing certain fraudulent entries within my file, attributed to an alleged case of identity theft. However, unresolved issues persist in my Experian and XXXX XXXX XXXX, necessitating their prompt removal. As a victim of identity theft, I am reiterating my request for the expeditious removal of the specific inquiry and remaining inaccurate information from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). The mandated deadline for this action is within 4 business days from XX/XX/XXXX. Previously raised in my formal complaint, this matter is reiterated here and referenced in FTC Report # XXXX. Notably, the information pertaining to these items is unfamiliar to me, having been successfully removed from other bureaus. I express reservations about the accuracy of the details incorporated into my credit file. Details of the discrepancies are outlined below for your reference : -- -- -- -- -- -EXPERIAN 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: Student loan

Re : Department of Education, XXXX I 've tried to resolve this matter over 25 times in the last 5-6 years, and I do not get a response, am transferred to the " right '' person and then I get disconnected, etc. It 's like they do this by design. 

Reason why this MUST BE DISPUTED : A bill/notification was not sent to my mailing address to inform payment was due. I tired fixing address, speaking to a supervisor, emailing them, etc. Upon receipt of bill sent in XXXX 2013, a payment was made and this loan was paid off without any further issues. 

Request : Rectify and delete late payments on my credit.
Product: Checking or savings account

I don't remember that exact amount that I was charged but I was scammed by Wells Fargo
Product: Mortgage

When we first bought our home in XXXX, we were told that we could remove PMI if we did an appraisal and LTV was under 80 %. Then the mortgage was acquired by XXXX, who told use their policy was to remove it after we have been with them for two years, provided that the LTV was under 80 % after an appraisal. On the two year anniversary, XXXX sold the loan to Loancare LLC. 

When I first contacted Loancare, I was told it's must be with the loan for the life of the loan and can never be removed. After calling back about it some time later, I was told after the loan is 7 years old. My latest call, today XX/XX/XXXX, I was told 11 years. We're at a point that we would like a solid correct answer. I requested documentation showing why they would not remove it from the original closing documentation, but I was never sent anything. I feel I have been lied to many times.
Product: Credit card or prepaid card

I applied for a CHASE Visa Signature credit card. 
The application was not approved. 
The reason given in the letter states : " Too many credit cards opened in the last two years associated with you ''. 
I do not believe that this is a valid reason.
Product: Credit reporting or other personal consumer reports

I checked my credit report and i see account that are fraudulent in my credit report please remove these accounts from my credit report .they are hurting my ability to have credit
Product: Debt collection

Im not sure what this medical bill is for being Ive not received any mail stating I owe them XXXX,XXXX,XXXX & XXXX dollars..The opening ddats on my credit report states it was on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX..I have gone thru a divorce & at those times of dates I was from homeless shelters being I had no family friends to help me ... I am trying to take care of my bills along with fixing my credit so that I can rent a place being I live in a hotel because no one will rent to me because of mostly medical bills on my credit report
Product: Vehicle loan or lease

My car was stolen. My information was shared with a third-party company to repossess my vehicle without my written and/or verbal consent. There was no court order to repo the vehicle which is illegal, and they stole it grand theft auto. According to UCC & 9-609. They breached my peace and caused damages. 

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

I opened an account with XXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX and explained the problem. They accepted payment for {$190.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$440.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed disputes with XXXX, TransUnion, and XXXX. XXXX fixed the issue. My complaint involves XXXX XXXX TransUnion. Despite having submitted evidence of identity theft, and supporting documents ( police reports from the XXXX XXXX Police Department, XXXX XXXX Police Department, XXXX Police, and XXXX Sheriff 's Office, along with the FTC Identity Theft Report, and Identity Theft Victim 's Complaint and Affidavit ) to XXXX and TransUnion, never conducted a human investigation. Instead, XXXX and TransUnion reduced all my evidence to a three-digit code and used an automated system to " investigate '' my dispute. The alleged creditors " verified '' the information as accurate. I've asked XXXX and TransUnion to provide me the " Method of Verification '' and both are entirely unresponsive to my requests. Have submitted repeatedly disputes the same accounts over and over and they have not given resolution to my disputes and now have been locked out of my on-line account. Initially, XXXX appeared to have conducted a human investigation, and initially deleted the disputed items but then placed them back on my credit profile AFTER having determined they were subsequent to identify theft.
Product: Credit reporting or other personal consumer reports

i recenetly reviewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account i need you to verify as accurate XXXX XXXX XXXX ACCT # XXXX  XXXX
Product: Mortgage

My husband and I applied for a loan modification XX/XX/XXXX. The modification was unreasonably delayed without cause. It was not until I involved the CFPB that the modification finally went through XX/XX/XXXX. XX/XX/XXXX, I received a letter from my lender, Chase Bank regarding my modified home mortage loan # XXXX informing me that following my modification issued on XX/XX/XXXX, they had OVERCHARGED interest at the inception of the loan in the amount of {$1500.00}. The letter went on to explain that Chase unilaterally decided to apply this overpayment to the principal and that they will report this amount as reimbursed interest ( i.e. as INCOME XXXX in XXXX XXXX of my XX/XX/XXXX IRS Form XXXX. I have written them multiple times to object to this. I would like to have the money refunded so that I have money available to pay the TAXES NOW DUE on this " reimbursement ''. XX/XX/XXXX, my total income was {$49.00} and I owed ZERO dollars in Federal Income tax. Their failure to properly calculate the interest due on my modification will result in additional tax to me XX/XX/XXXX in the amount of approximately {$540.00}. XX/XX/XXXX, my income tax rate will be at 35 %. But I do not have the MONEY to pay the increased taxes that will be due on this alleged " income '' because they have unilaterally decided not to refund the overpayment and instead apply it to the principal balance. 
So XX/XX/XXXX, they overcharged me interest in the amount of {$1500.00}. I could have really USED that extra cash XX/XX/XXXX when my income was so low. NOW, three years later they " discover '' the error and instead of refunding the overpayment to me, they use the money to benefit THEIR portfolio. That cash has been available for THEIR use for 3 years already, and now they get it to do what THEY want to do with it. I need this money to PAY THE TAXES NOW DUE on it. Taxes that would NEVER have been due had they properly calculate my loan interest XX/XX/XXXX when the modification went through. I did not NEED the mortgage interest deduction XX/XX/XXXX, so there was no corresponding benefit of a deduction on my XX/XX/XXXX return. 
I have TWICE requested in writing that Chase refund the overpaid interest so that I have dollars available to pay the taxes due on the money. These letters resulted in over a dozen phone calls and " status '' letters between Chase and I. I spoke with several representatives at Chase and have those names and phone numbers available if needed, along with notes from the phone calls. ( Note the status letters provided ZERO information and just said they were still working on my request ). This money was NEVER OWED to Chase and is NOT OWED NOW. It was an OVERCHARGE and the money should have been refunded. They demanded payment of money that was not due and have refused to refund it despite my multiple requests. I have attached copies of the substantive correspondence between Chase Bank and I, in which Chase refused to refund the overpayment.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request Experian and XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action.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
Product: Credit reporting or other personal consumer reports

I am writing to formally address a significant error in the credit reporting for my account ( XXXX ) managed by XXXX XXXX XXXX XXXX XXXX. I contacted you in XXXX to correct this and you provided proof that I dont owe you and still continued to report incorrect info for XXXX and XXXX. My account has been incorrectly reported as having late payments for the months of XXXX through XX/XX/XXXX, and XXXX through XX/XX/XXXX. This is clearly inaccurate ; all payments were completed on time. Furthermore, this account was settled in full by my insurance company in XX/XX/XXXX following a total loss of the vehicle. 

The account currently incorrectly reflects a status of Charged Off with late payments over 30 days, which is a clear error and misrepresentation of the actual account status. This incorrect information is adversely affecting my credit standing and must be addressed immediately. 

Please be advised, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have accurate and complete information reported. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) emphasizes the obligation of furnishers and credit bureaus to report precise information about consumers. I have the letter from XXXX and the insurance claim docs proving all debts where cleared years ago. 

I have previously contacted your offices regarding this matter and yet the issue remains unresolved in XXXX! This continued reporting error not only undermines my financial integrity but also suggests a systemic issue within your reporting processes. 

I urge you to rectify this error immediately and confirm in writing once the correction has been made to the credit bureaus. Failure to resolve this matter promptly will compel me to take further action, including but not limited to filing a complaint with the Federal Trade Commission ( FTC ) and I have now involved the CFPB, and will consider legal remedies under the FCRA.
Product: Credit reporting or other personal consumer reports

I filed a ftc report due to me finding a fraudulant account on my report and nobody has yet to help me get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back at the beginning of XXXX I had a credit related issue dealing with JP Morgan Chase, after weeks of dealing with people who could n't give me any answers I finally was brought to someone in the executive office who was wonderful and willing to help in any way possible within her guidelines. I needed to resolve a late that was on my report, XXXX 2017, reported late on my credit report because there was a {$30.00} balance I was completely unaware of. Once this was brought to my attention it was immediately paid but to rectify the credit issue the representative from the XXXX reallocated my XXXX payment on XXXX XXXX so it reflected in XXXX which would take care of the late on my credit. When this was done, I did not realize it would take the entire XXXX payment and apply it to XXXX, I thought this would take just the payment necessary to cover that {$30.00} I was unaware of, so I just had the credit repulled and though the XXXX ( XXXX payment ) late was removed, now I have a XXXX late ( XXXX payment ) because my full XXXX payment was taken and applied to XXXX. I 'm not sure how we go about resolving this but I lost the house I was under contract on because of the XXXX late. After fixing the errors and having 3 letters from the executive office stating the late would be removed, when the credit bureaus called to verify they were told not to take the late off, we lost the house and I had to get everyone in touch with the correct people to verify and clarify the miscommunications going on. We are under contract on another house and will lose this one as well if this does n't get resolved. It is important for me to note that Chase reports for the prior month of payment. For example, they report on the XXXX of every month, so my XXXX credit report is a reflection of my XXXX payment. My XXXX XXXX credit report will be the report of my XXXX payment.
Product: Credit card

Please assist me in looking into accounts where companies have wrongly reported late payments. I reviewed my credit report and found inaccurate late payment notations on certain accounts. These accounts should not reflect any late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not applied for these accounts and never made a deals with them. Remove as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested in writing multiple times that the XXXX XXXX Bankruptcy on my credit report with all 3 reporting agencies be verified and that they provide the procedures in which they verify that this information is accurate. 

This is the information I have requested : XXXX XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2.The name of the person at the courthouse who handled your request 3.The address of the courthouse 4.Which document you obtained to verify the bankruptcy The generic responses I receive are that they were verified ignoring my requests for the procedures that violate my rights under FCRA 611 aforementioned. 

I've also verified with the XXXX County courts that they have no role in the credit reporting process in which they made the following statement : The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I previously wrote all three credit reporting agencies to investigate and verify the bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 

I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from XXXX, XXXX, and Experian lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that they IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX BANKRUPTCY, Docket # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian asking for a method of verification on two of my collection accounts. They closed it three days later, I called and talked to XXXX whos on team # XXXX stated that they sent my results on XXXX second that includes some of my requests such as a wet written signature, name of person that did the investigation, who the investigator talked to to get the information thats verifiable and so forth. She said it was sent via email. I never received that email so I asked her to resend it and also send it via email. She complied and told me it would take 24-48 hours to receive the email. I received the email yesterday also confirming that I did in fact get the email but it was not what I asked and it still didnt have any methods of verification. I called today requesting that they delete the account because in the letter I stated that if there wasnt any methods of verification to delete the account, XXXX told me that Experian doesnt do methods of verification, they send what I sent to them to the lender. So my problem is these two different reps told me two totally different things, and also after sending my letter to the lender how fo they verify if its verifiable. I didnt understand his reasoning so I asked to be transferred to the supervisor which his name is XXXX, XXXX took really long to transfer me to him so Im pretty sure XXXX told him already what my problem was because when I got on the phone with XXXX he didnt budge he in fact told me the same thing XXXX did. So I asked him to delete the accounts because my request wasnt made, he basically told me that Experian doesnt care about reporting inaccuracies and inaccurate info when the lender tells them to delete they will. I am saddened that still in XXXX XXXX petiole still cant have what belongs to them. XXXX people voices still aren't being heard. XXXX is still under investigation, XXXX  said they mailed out my requests the next day they received them, which is impossible so Im going to file a complaint with them as well if they dont do neither such as their sibling Experian.
Product: Debt collection

XXXX has been using different phone numbers and calls me multiple times a day and has not left any voicemails. At one point I answered and asked why no messages were being left and they said they were not allowed to leave messages. I asked them how they intended to inform me to call them back if no message was left. Especially since the number can be different each time they call. I also informed them I was unable to talk because I am at work and unable to be on my personal phone as my job requires me to be on the phone.
Product: Debt collection

my work phone ( XXXX ) XXXX has been called for more than XXXX times over the past 2 months ( average XXXX a day ) from XXXX, LOOKING FOR THE WRONG PERSON. I 've contacted them 3 times and they keep telling me my number is not on their calling list. But I keep receiving these automated calls as recent as this morning.