23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband died. The property was offered a trial modification and I sent in payments since I live in the home and want to keep the property. My name is listed on the deed and the security instrument. I also believe my name is listed on the mortgage note. I just want to keep the property and assume the mortgage. I have lived here for over 30 years.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED was never late ! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I disputed fraudulent student loans that are reporting on my credit reports on XX/XX/ and they have failed to remove the inaccurate information. I sent them copies of the police report and the FTC Identity Theft Report. The items are still on my report and there are about 10 of them. I did not take out these loans and did not attend the schools they are associated with. 

The credit bureaus have refused to block the information reporting on my report.
Product: Debt collection

focused recovery solution is on my XXXX  and XXXX credit report. with XXXX XXXX   XXXX XXXX XXXX XXXX and im being charged XXXX and the dates are XXXX XXXX and on my credit report there are 2 charges for the same day, i only went to him once. not twice and need to resolve this issue how can i go from XXXX, to another XXXX on the same day makes no sense, and why would recovery solution put it on both credit reports, i need your help to get this taken care of, im tired of people wanting money if i only went once, i never got any bills from focused recovery solutions or XXXX XXXX
Product: Checking or savings account

XXXX unauthorized ACH debits of {$10000.00} each were made in XX/XX/2022 and XX/XX/2022 from my First Republic Corporate account which was caught during our audit this year. Upon reporting the fraud to FRB, they reached out to XXXX XXXX XXXX  a couple times, however, they have not responded. FRB said its been over XXXX  days since fraud so they are unable to help further besides send a letter to them. FRB sent me terms that indicates ACH fraud is not FDIC insured. {$20000.00} is a lot of money and I would like it recalled. Is there any way to help?
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$86.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Dispute of XXXX XXXX Account # XXXX I am writing to you in response to the notification dated XX/XX/XXXX, regarding my previous dispute for the above-mentioned account. Despite my numerous attempts to dispute this information, the inaccuracies continue to persist on my credit report. 

Following your agencies ' reinvestigation, the report still contains inaccuracies. Even after you received my previous dispute ( please see the attached document ), two differing dates of last activity remain on my consumer report - XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. 

Moreover, after reviewing the alleged updates from your agencies today, the payment history on the account is reported differently by both agencies. XXXX reports my account was 30 days late in XXXX XXXX, 60 days late in XX/XX/XXXX, current in XXXX and XXXX XXXX, 30 days late in XXXX XXXX, 60 days late in XX/XX/XXXX, and 90 days late in XX/XX/XXXX. Conversely, Equifax reports that my account was 60 days late in XXXX XXXX 90 days late in XX/XX/XXXX, contains no data for XXXX and XX/XX/XXXX, was 60 days late in XXXX XXXX, 90 days late in XX/XX/XXXX, and 120 days late in XX/XX/XXXX. 

This continuous reporting of inaccurate information demonstrates that your agencies did not conduct a reasonable investigation and are non-compliant and negligent pursuant to 15 USC 1681n. The inconsistent data supplied by the furnisher is clearly unreliable.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. XXXX XXXX and Experian keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XXXX, TransUnion and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Debt collection

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : CREDIT MANAGEMENT Account number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Member Number ID XXXX Subject : Dispute of Incorrect Charge-Off Entry on Credit Report Dear XXXX, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, the charge-off reported by XXXXXXXX XXXX XXXX, account XXXX XXXX XXXX, XXXX {$54000.00} is erroneous and does not accurately reflect the current status of the account. 

XXXX. XXXX XXXX  account date opened XXXX no account number {$3100.00} reported has a charged off with no account number to identify it my account. 
XXXX. XXXX acct XXXX date opened XXXX. Balance report {$3600.00} XXXX. XXXX XXXX  account number XXXX Account {$3700.00}. Date open XXXX Under FCRA Section 611, I have the right to dispute incomplete or inaccurate information, and the credit bureau has a legal obligation to investigate the matter thoroughly. I have reviewed my records and identified that this charge-off may have been reported inaccurately due to the following : 1. Federal Case Status : This account is related to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX XXXX, XXXX ) .The plaintiff claimed that the defendants violated the FCRA by inaccurately reporting her debt as charged off. The court 's ruling highlighted the critical role of accurate reporting and the necessity for plaintiffs to present substantial evidence of inaccuracies and resultant harm. which is impacting my credit report.

2. Violation of Reporting Guidelines : As per 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy. Reporting a charge-off while the account is under dispute or litigation may constitute a breach of this requirement.

3. Reinsertion Rules : If this charge-off has previously been removed or disputed, reinsertion without proper validatio
n under FCRA Section 611 ( a ) ( 5 ) ( B ) would be unlawful.

4. Including the Data breach at XXXX in XXXX and XXXX. Failure to properly investigated disputes please See Consumer Financial Protection Bureau, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Filed XX/XX/XXXX. 


I request that you investigate this matter promptly and either verify the accuracy of the charge-off with proper documentation from this Companies or remove the entry from my credit report. Enclosed, please find the following documents to support my dispute : XXXX of the credit report showing the disputed entry Please complete this investigation within the XXXX timeframe mandated by the FCRA. I expect written confirmation of your findings and the resulting actions to be taken regarding this entry. Requesting the removal of this negative information and account of my credit report. 

Should you require further information or documentation, feel free to contact me at XXXX Thank you for your prompt attention to this matter. 

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

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. I have attached the 1099c for the account XXXX XXXX  XXXX showing that you are reporting incorrect information. The account was paid and should have been removed per the agreement with the creditor. Not only are your furnishing incorrect information pertaining to this account, but you also failed to remove the account once it was paid. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached 1099c form as well as the dispute letter sent to you on XXXX  which is dated and time stamped.
Product: Credit card or prepaid card

On XX/XX/2018 I received by mail an unsolicited XXXX XXXX from NETSPEND. It has my name, address and it's linked to an account number I never opened in XXXX. The attached letter said is ready for activation. This kind of aggressive marketing practice may be illegal I feel my privacy as a citizen is violated. Please, let them know I didn't ask for this card, close the account I never opened and stop sending any mail to me. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated ( XX/XX/2023 ) and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report and causing mental anguish. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME BY : TRANSUNION, XXXX AND XXXX
Product: Credit card or prepaid card

Who : 1. XXXX XXXX ( US Bank customer and " account holder '' for Visa ending in -XXXX. 2. US Bank Dispute Resolution Department. 3. XXXX XXXX XXXX XXXX.

What : On XX/XX/19 account holder attended the practice round of 2019   XXXX XXXX XXXX  held at XXXX XXXX XXXX XXXX. The account holder purchased merchandise from the pro shop. The merchandise shop did not have visible signs that noted that all sales are final ( i.e. no monetary refunds and only exchange of goods ) nor did the person at the register state that the sales are final. Only the back of the receipt noted in fine print the terms and conditions ( which violates the cosumer protection laws on disclosing fully that sales are final ). On XX/XX/XXXX, account holder reached out to the merchant to request a partial refund on some unused goods and shipped the goods back to the merchant ( via XXXX ). The merchant noted then via phone that sales are final. As the account holder felt that the merchant failed to disclose properly the nature of the transaction, the account holder requested US Bank ( account holder 's bank that issued the Visa credit card ) to resolve this dispute. Account holder requested a chargeback in the amount of {$230.00} as all the goods were returned and received by merchant. The account holder filled out all required forms, attached copy of the receipt, etc. ( attached herein ). US Bank denied this chargeback request on XX/XX/19 noting that Visa requires account holders to try to return the goods and resolve in person. Account holder let US Bank know on XX/XX/19 ( via phone call ) that the merchant does not allow anyone on its property to buy or exchange goods other than during the time of the tournament ( which is held once a year ). US Bank noted that they understand this transaction was an exception and will get back to the account holder by XX/XX/19. The account holder did not receive any calls or messages from US Bank.

Where : Initial purchase was made on XXXX XXXX XXXX XXXX.

When : Initial purchase was made on XX/XX/19. Attempts to obtain refund or dispute resolution took place thereafter ( see timeline above ).

Why : Account holder is eliciting CFPD 's help as US Bank failed to contact the account holder after they noted that they will have resolution by XX/XX/19. Account holder believes that the merchant failed to adequately disclose the terms of exchange/refund. Account holder also believes that given the attempts to resolve in person ( not possible since merchant does not allow anyone on property ) were made and that since all the goods were returned in new/unused condition, he is deserving of the refund to his account. The merchant noted that in the case of exchanges, they can only describe what the other goods look like, which the account holder also believes is predatory since the merchant does not publish what its good look like in order for consumers to make informed decision on alternative goods.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA - XXXX was included in Bankruptcy and XXXX just started reporting a balance for this account. The account balance should be {$0.00}.
Product: Credit reporting or other personal consumer reports

I have recently reviewe a copy of my credit report and notice i had a fraudulent account on my report.please remove this account from my report, Its hurting my ability to obtain credit thank you.
Product: Student loan

Good morning, I'm looking to see what options or relief there is for borrows that attended XXXX XXXX. There is a lot of federal relief but it seems almost all private loan holders have been abandoned. Is there any relief in site or are we all on our own? 

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

i am not liable for this debt 1.Account Name : XXXX Account Number:XXXX 2.XXXX XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX XXXX Account Number : XXXX 4.Account Name : XXXX XXXX Account Number:XXXX 5.Account Name : XXXX Account Number:XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX did an inquiry for a loan, I did not do the inquiry and also XXXX/new American fundin as well. Both I dont remember authorizing! 

XXXXXXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX/new American fundin XXXXXX/XX/XXXX
Product: Debt collection

GLA GLA COLLECTIONS XXXX XXXX XXXX XXXX, KY XXXX on behalf of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made a derogatory claim on my credit report. They never reached out to inform me that this account was on collection. Never made contact or communication, it wasn't until I started a dispute that a representative from GLA contacted me. 

This collection debt comes from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a bill that XXXX XXXX has been requested XXXX XXXX and the Physician XXXX XXXX XXXX XXXX office to provide copies of the treatment. XXXX XXXX has provided the patient claim disclosure that I do not owe anything. XXXX XXXX never responded. I didn't received any communication, early in the process I paid {XXXX} and received communication that it was going to be refunded because I didn't need to pay the {XXXX} this was going to be paid by XXXX XXXX. 

Then, I never received any information until XXXX XXXX  sent me a notification of a derogatory mark on my report. You will see on my document attached of all the information I have done to resolve this issue. GLA or the XXXX XXXX never communicated this until I opened a dispute on the credit report agencies, then GLA starts calling me that I owe this money. 

XXXX XXXX still maintains their position, the patient ME do not owe any debt to XXXX XXXXXXXX that they need to submit the paperwork. 

This has put my credit down for XXXX points. I personally called GLA and they stated the account is already accumulating interest. 

This is very frustrating, because I work very hard to keep a good credit pay my bills and out of the blue without any further notice XXXX XXXX XXXX sends a debt ( that is not correct ) to a collection agency.
Product: Debt collection

I have an unverified account from CBE GROUP. I had previously disputed this account. I have never done business with CBE GROUP pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CBE GROUP Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.