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

Re : FCRA Violation - Incorrectly Reporting as Deceased I am writing to formally demand compensation for the damages I have suffered as a result of XXXX XXXX XXXX XXXX 's violation of the Fair Credit Reporting Act ( FCRA ). XXXX has erroneously reported me as deceased on my credit report, causing significant harm to my financial standing and personal well-being. 

( I discovered this inaccuracy on [ XX/XX/year> ], when I obtained a copy of my credit report and noticed the erroneous " deceased '' status. As you are aware, the FCRA requires credit reporting agencies to maintain accurate information, and this blatant inaccuracy constitutes a clear violation of 15 U.S.C. 1681e ( b ). 

The FCRA also mandates that upon being notified of an error, a credit reporting agency must conduct a reasonable investigation. Despite my attempts to rectify this issue through your dispute resolution process over the phone, the inaccurate information has not been corrected in a timely manner, further exacerbating the harm done to me ). 

As a result of XXXX 's failure to maintain accurate information, I have experienced the following damages : 1. **Emotional Distress : ** The distress and anxiety caused by being reported as deceased have had a profound negative impact on my mental health.

2. **Credit Denial : ** I have been denied credit and faced significant financial inconvenience due to this erroneous report.

3. **Financial Loss : ** The inability to access credit has led to additional financial losses, including higher interest rates and missed opportunities.

Under the FCRA, I am entitled to compensation for these damages. I am seeking a payment of {$1000.00} to cover the emotional distress, financial losses, and any other applicable damages as a result of this violation.

I expect a written response to this letter within 30 days, acknowledging your receipt of this demand and outlining your intended course of action. If I do not receive a satisfactory response within this time frame, I will pursue all available legal remedies to enforce my rights under the FCRA.

Please send your response to the address listed on my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting

I live in Georgia and understand I am entitled to XXXX free reports from each credit reporting agency per year but have only requested XXXX from each agency this year. I tried requesting my free credit report from Equifax online at XXXX on XXXX/XXXX/15 and apparently answered some random questions about past accounts incorrectly and so then went through the process by phone by calling XXXX. At the end of the process the recording said I would receive my report within 15 days. That has not occurred. Last year I experienced the same issue and called Equifax. The person I spoke with at that time said there was no way he could check on the status of my report ; I had to do it thru the XXXX website. 
I did not find a way to check Equifax order status on that website or by phone. I still have not received my free credit report and have no way of knowing whether it was mailed or processed to begin with. That is a security issue since my report contains personal information. I have seen numerous other complaints about Equifax on your website about the same issue. My problem is a repeat of what happened last year. In the past I have NOT had similar problems with both XXXX and XXXX. 
Thank you for investigating this issue and facilitating my credit report being mailed to me.
Product: Mortgage

We purchased our home in XX/XX/2016. In XX/XX/2016 our mortgage was transferred to another bank. In XX/XX/2016 it was transferred yet again to another bank. Our last payment to the second bank was misapplied onto principal instead of to our monthly payment. Since XX/XX/XXXX we have been in continual contact with the second and the third mortgage company trying to get the XXXX payment put back onto having been XX/XX/XXXX payment instead of some random payment to principal. We were worried about our credit looking bad and finally made a payment to the newest lender with their assurance it would be applied to XX/XX/XXXX ( not reapplied to XX/XX/XXXX, as that payment was trying to get fixed ) but it was n't and we are now repeatedly coming up as weeks behind on our mortgage. The chain of our mortgage was : XXXX then XXXX and now Loancare. We have done all that we could and decided to reach out to you for help.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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
Product: Credit card

In XX/XX/year>, I applied for and received a credit card from Comenity Bank that I was using and making payments on time. On or about XX/XX/year>, I was out shopping, and my purchase was declined. Concerned about this issue, I called customer service and spoke to XXXX, who informed me that my account was locked without notice or reason. I asked to speak to a supervisor who informed me that my account had been sent to the Account Protection Verification Department requesting address verification. This company was made aware in the beginning that I am a XXXX XXXX and have a physical address in one state and a XXXX XXXX XXXX address in another state where my job is based. XXXX in Account Protection said I had been sent a letter to my mailing address, which she confirmed as my XXXX XXXX XXXX After a few days, I still had not received said letter. I called again, I was told the letter was requesting the front and back of my driver 's license, social security card, utility bill, and W2 to verify my address. As requested, I emailed this information to the email provided. I am still confused as to the change in my account, I call every couple of days to check the status of the verification process. From XX/XX/XXXX thru XX/XX/year>, I spoke with XXXX, XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, my USPS informed delivery notified me that Comenity Bank sent a letter to an address that doesn't exist, that I never provided to them as mine that contained partial information of an old address I had, which after more than 2 weeks finally forwarded to my physical address. I called them again on XX/XX/XXXX to notify them of this error and spoke with XXXX, who informed me that my verification process was unsuccessful and my account had been closed and refused to provide reasons for their decision or who authorized the fraudulent address they used. 
In closing, I promptly received the credit card they sent me to the current mailing address I provided to them. I had not promptly received the letter they claimed to have sent to my mailing address, but instead, they used an inaccurate address combined with a partial address I had formerly. 
I firmly believe they collected several pieces of information from my credit report history and used it inappropriately under false pretenses, which raised a security issue thru no fault of my own. After complying with their request, sending several pieces of confidential sensitive information verifying the only 2 addreses I currently have, this company refused to reinstate my account or provide any information as to who authorized the misuse of the combined partial addresses obtained.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

On, XX/XX/XXXX I requested a copy of my credit report from all credit reporting agencies. I received my credit report from all agencies to check for any clerical errors that may have been created without my consent, only to discover TransUnion is reporting inaccurate information on my credit report. The reported names are inaccurate, addresses reported inaccurate. In XXXX of XXXX, I disputed all inaccurate information with TransUnion agency, without receiving remedy. Reporting inaccurate information is a violation of consumer rights, 15 U.S. Code 1679c - Disclosures : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$620.00} There are no contracts, no valid claims ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting Act XXXX Account # XXXX XXXX has violated my rights. 

15. U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with those accounts 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 in those account 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. 


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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting on my credit as a repossession, however this account should not be reporting this way. This account is no longer a repossession and needs to be updated to show the account open and current.
Product: Credit reporting or other personal consumer reports

The account was closed in XXXX but the payments are all up to date and current. 
XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

JPMorgan Chase has failed to advise me as a consumer of the launch of XXXX. With out my knowledge of the risks of fraud to my account. I did not give permission nor was I advised of the details of the services or app, before l being considered for this service. It has violated the Consumer Financial Protection Act.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report. i noticed that i have been a victim of identity theft and found numerous credit inquirires have no kniwledge of here are the inquiries that i have found XXXX XXXX XXXX XXXXXX/XX/year>, XXXX ( bank ) XX/XX/year>, PLEASE remove and dispute listed fradulent inquiries from my credit report
Product: Credit reporting or other personal consumer reports

The company XXXX made a claim on my credit again of late payments. 

First they stated on one Credit Report that I was 30 days late. Now they are stating on another that I was current up until XX/XX/XXXX. 
These are two completely differently claims that contradict one another. 
According to my complaint # XXXX they reported inaccurate information and has done so again on another credit agency. 

Furthermore I did not give this company written instructions to report to any agencies In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 states Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. 

This needs to be removed from my credit report immediately as it is a violation of my rights and as well as inaccurate. 

Thank you
Product: Checking or savings account

I was and still am being charged overdraft fees at ridiculous rates I've been with navy federal since 2019 and I have been charged a ridiculous amount of overdraft fees because of how they say the process charges overnight There's been multiple times my account showed I had money then the next day I didn't have the money in my account and I have an overdraft fee. I was constantly told by navy federal when I call to complain that it's my fault and I should keep better track of my spending. My response is how can I keep track of my spending when the online system they designed to keep track of spending is giving you the wrong information by saying you have funds that's not there. 
I have XXXX accounts with navy federal and it has been a constant issue especially from XXXX I have called navy federal numerous times to complain and in attempts to reclaim funds many times it didn't workout
Product: Mortgage

I have a mortgage loan with Nationstar. The legal description for the property on the loan needs to be corrected. Nationstar refuses to make the correction or give any answer as to why they will not change the legal description. The legal description on the loan is for the property next door to the property that the mortgage is for. I need to know how to have this corrected and Nationstar will not provide that information either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Fraud XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX ) XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX acct XXXX decided to sell my home loan to another company called XXXX XXXX XXXX acct XXXX and i have been current and never late and they reported late 30 days on the month of XX/XX/XXXX. I have been current every month please fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

since XX/XX/2017, I have sent over 25 letters to the three credit agencies, Experian, .XXXX and XXXX . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score.

Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each indvidual whom you verified and validated the above information with, so that I may follow up accordingly. 

Additionally, please send me an updated copy of my credit report after completing your investigation Account Name : XXXX XXXX  Account # : XXXX
Product: Credit card or prepaid card

Here are the facts of this case. On XX/XX/XXXX a payment from my Chase Checking account was applied to my Chase Credit Card in the amount of XXXX. After this payment the credit card balance due was now XXXX. On XX/XX/XXXX, the very next day, a duplicate payment in the same amount of XXXX was pulled from the same Chase Checking account and again applied to the Chase Credit card and now there was a balance on the Chase Credit Card of XXXX. I reached out to the bank first on XX/XX/XXXX and was told there was nothing they could do to stop the payment even though it's between two Chase accounts. I had to wait for the second payment to hardpost on the credit card and then seek my ACH refund which would occur in 2 days. I called again on Monday XXXX once the payment hard posted. I was transferred many departments trying to figure out who at Chase could help. I was told by Chase Credit Card support I would receive an email within 2 days to claim my ACH refund in the amount of {$640.00} and that it would take another 2 days for the refund to go through. It has now been 5 days and I am getting the run around by Chase. I have never received the email but the credit showing on the credit card ( the over payment ) was removed off the credit and is showing refunded but it is not in my chase checking account either. The various calls and emails to Chase have given me no results. No one can tell me where this refund went or how/if/when I will receive it. No one can tell me why it was pulled off the credit card but never received by me. I am now receiving generic responses stating they will look into this and it may take weeks. It is unethical at the least to take a clients money and not return it ASAP but it's even more unethical that this credit is now missing from ALL my accounts. It is not showing anywhere due to me. I have been banking with Chase for a very long time and it's appalling to me that they can so easily take their clients money and keep it in limbo for as long as they see fit.
Product: Debt collection

Portfolio Recovery Associates. 
Reporting Opened XXXX. 

Account was charged off By XXXX  XXXX XX/XX/XXXX. 

Challenge 3 credit reporting agency. 7 times. Portfolio keeps incorrectly reporting.

I called Dispute department at Portfolio on recorded line. Told he the issue.

She said they report date they bought debt. I said my credit is to report dates of credit card companies documents. I said by you mis reporting dates it's illegal and makes it look like recent debt. Crashing my score from XXXX to XXXX. I said your reporting wring. She admitted they were. She admitted they were wrong but that's how they collect. I said I'm protected under law have fair and accurate reporting. Reporting some one else bought debt doesn't show legality of debt. 

She then wanted jump off subject try Challenge ge as not my debt. Problem is. I already been turned down for rental, vehicles purchase and failed background because of debt. Challenged 7 times last year. They admitted they were reporting wrong. 
Credit companies also said they see dates on their records. I said then correct it. Said they house debt they can't change it. I said that's your job. 

Again. Dispute department at Portfolio admitted on recorded line dates were wrong. As I pointed them to their own documents from original creditors showing charged off in XXXX not active and missing payments in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Fair Reporting ACT, this creditor has violated my rights. Under 15USC1681 section 602 states I have a right to privacy. 15USC1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under section 15USC1666B a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.