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

I am writing in response to the statement I received from a email from Experian indicating that you have not taken any action on my recent request regarding my credit information due to concerns regarding its origin and authorization. I must respectfully disagree with this statement, as it appears to be inconsistent with the provisions of the federal Fair Credit Reporting Act ( FCRA ) regarding the dispute process. 

The FCRA, as you have correctly cited in your statement, states that " if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' This provision explicitly affirms the consumer 's right to dispute any inaccurate information directly with the credit reporting company, without requiring the dispute to be sent directly by the consumer. 

I believe it is essential to uphold the principles of the FCRA, which are designed to protect consumers and ensure the accuracy of their credit reports. Any suggestion that disputes must be initiated only by the consumer directly contradicts the clear intent of the FCRA. 

I kindly request that Experian reconsider its stance and take the necessary steps to initiate a thorough investigation into my recent dispute as per the FCRA guidelines. My dispute was submitted in good faith and with the expectation that it would be handled in accordance with federal law. 

I appreciate your prompt attention to this matter and your cooperation in resolving this dispute in compliance with the FCRA. Please keep me informed of the progress and outcomes of the reinvestigation. 

Thank you for your assistance in ensuring the accuracy of my credit information and for upholding the rights and protections provided to consumers under the FCRA. 

I am attaching my original dispute and my documents again.
Product: Credit card or prepaid card

Swiss Colony is showing that I owe {$260.00} I have never purchased any thing from Swiss Colony. I have asked them to send me the items purchased and prof it was me who ordered and received the items they say I owe for they said they could give me that information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$660.00} on the XXXX XXXX partial account number XXXX. XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to be reporting a {$0.00} balance and no lates. It would be impossible to be late on an account with a {$0.00} balance. This false reporting of a collection/chargeoff with lates is seriously harming my credit score and this line item needs to be updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.
Product: Mortgage

Both my wife, XXXX XXXX, and I lost our jobs in XX/XX/year> because of the economic downturn caused by the COVID-19 pandemic. Since then, we have faced significant challenges in securing stable employment, which has greatly impacted our financial stability. 
In addition to our job loss, I have undergone XXXX major XXXX  in the past three years due to XXXX XXXX XXXX once COVID was over. These XXXX  have taken a toll on both my XXXX XXXX  and our family 's financial well-being. 
Throughout these trying times, my family and I have remained resilient, doing our utmost to navigate the challenges we face. Despite our perseverance, we have encountered significant difficulties with our mortgage servicer, XXXX, Shellpoint and NewRez, exacerbating our situation. 
Despite our best efforts, Shellpoint and NewRez have consistently taken actions that have placed undue burden on my family, including my XXXX mother-in-law, whom we care for. These predatory lending practices have threatened our ability to maintain our home and provide care for our family. 
Despite being offered a temporary mortgage modification by our original servicer, XXXX  Loans, I encountered insurmountable obstacles in making payments. Despite my attempts to comply with payment instructions, I was informed that I could not pay over the phone or online due the possibility of a loan modification once my temporary modification timeframe of 3 months was completed. I believe I was discriminated against due to my lack of a traditional bank account. 
This restriction placed undue burden and discrimination on my family, who have faced significant complications during the pandemic and endured the financial strain of my XXXX  procedures. Despite these challenges, we have fought against abusive lending practices and persevered against the adversities we face on a monthly basis. 
I can provide upon request, relevant medical documentation, financial statements, and correspondence with the mortgage servicer supporting our current circumstances. 
Considering these challenges, we urgently seek your assistance and support. We kindly request any help we can have to get our mortgage current and then we can stay on tract now that the pandemic is not affecting local communities like it was. 
We sincerely appreciate your attention to our situation and your willingness to consider our request. 
At this point, my family and I are praying and even begging for assistance to resolve these challenges once and for all. Despite the hardships we have faced, we continue to hold onto hope that a resolution is possible. 
We are reaching out to you in the hope that you can aid in any way possible. We will be forever grateful for any help you can offer to alleviate the burden we face. 
Thank you for your attention to our situation and your willingness to consider our request. Please feel free to contact me at XXXX or XXXX if further information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was leaked and my information was potentially included. Really disappointing and now I 'm scrambling to make sure my identity is n't stolen.
Product: Mortgage

6 Months ago our home was detroyed by a flood. We can not receive assistance from FEMA because US Bank refuses to provide the documentation they require. They even deny putting the denial in writing. We can not even speak to someone to find out why multiple requests have been denied. I was promised a call today from a supervisor, but they are not available and have not called, in fact, I have never received a call back from US Bank despite assurances on dozens of occasions they would do so. We found out after the flood they had canceled our flood insurance, and were given 3 different explanations as to why. 1. FEMA redrew the flood zones 2. They were just doing an annual renewal. 3. They were evaluating whether or not the shop was going to be included in the policy. I believe all 3 excuses were lies, they did reinstate the policy but that took time to go through underwriting. I 'm pretty sure what they are doing is illegal. They did not send us a notice of the cancellation as required by law. US Bank insist the {$30000.00} in insurance money they have been holding since XX/XX/XXXX can only be used to repair the home. The home must be demolished, so putting {$30000.00} into it would be foolish. We have requested, as outlined in our mortgage agreement that we would prefer to have the insurance money applied to the balance of the mortgage. They have denied this request multiple times and never have provided an explanation as to why. We are living in a FEMA trailer in our front yard and are in danger of losing it because one of the requirements is that we show progress on rebuilding our home. We have not paid our mortgage since XX/XX/XXXX on the advice of our attorney. In XX/XX/XXXX US Bank said they could only apply the insurance money to our mortgage if our account was brought current, so we brought the account current and they still refused to apply the payments. I am at my wits end, it has been 6 months and US Bank is playing games and refusing to answer our questions. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX added an account to my Equifax credit. I am not liable for this account. Please remove this account from my credit report.
Product: Credit card or prepaid card

I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. This is not acceptable as I have been working hard to ensure that my payments are made on time each month. Please see the attached documents for verification
Product: Credit card or prepaid card

i have XXXX XXXX XXXX accts platinum card need to know when this renews, as i dont want to renew it both the XXXX XXXX and XXXX  card need statements XXXX say they investing, now i getting XXXX statements they dont list what the purchases are for, and now i get a spetcum bill statement on XXXX mail for XXXX i did not make this pymt
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX are in violation of multiple laws set forth by Congress in regards to the following XXXX account # XXXX ... ENDING IN XXXX and XXXX XXXXXXXX account XXXX account. 

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX and XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX and XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, EQUIFAX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX and XXXX XXXX can not collect on a CHARGE OFF DEBT. This is now considered a certificate of indebtedness per the IRS and consumer income can not be reported. 

The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. Please visit the IRS website that houses this information also. By Definition, the IRS clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of { { {$12000.00} } } and XXXX XXXXXXXX for the cancelled debt of { { {$6600.00} } } in order to file as ordinary income. Where is the1099-C? XXXX XXXX and XXXX XXXX are clearly writing off debt with the IRS without sending out the 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is prohibited and unsatisfactory! XXXX XXXX and XXXX XXXX have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX and XXXX XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX, and EQUIFAX are not an affiliate of XXXX XXXX or XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now OPTING OUT of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION for your reading and understanding.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Vehicle loan or lease

Made a payment on the loan leaving a part due balance. I have consistently made a conplete monthly payment on my car loan for over 6 months but my lender refuses to consolidate late fees and reset the car loan in order to reset the loan. They call literally call DAILY for the past due balance and each time I tell them I can make the monthly payment again in 30 days. They call each and every day and demand the past due amount even though I pay them every month. Why they won't reset the loan is troubling.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BUREAUS KEEP MARKING THE STUDENT LOANS AND OTHER ACCOUNTS AS VERIFIED AS ACCURATE BUT CAN NEVER SHARE THEIR FINDINGS. I BELIEVE THEY KEEP MARKING IT WITHOUT GIVING ME A PROPER INVESTIGATION. 

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 1. XXXX XXXX XXXX  XXXX XXXX BALANCE {$7600.00} 2. XXXX XXXX XXXX XXXX XXXX BALANCE {$4300.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} 5. XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} 6. XXXX XXXX XXXX XXXX XXXX XXXX {$9300.00} 7. XXXX XXXXXXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.
Product: Checking or savings account

On XX/XX/year> I received an email from XXXX about a payment made to XXXX XXXX for {$2500.00}. I have no idea who the person is and had not authorized this transaction. I called U.S. Bank as soon as I discovered the email to let them know that I had not authorized the payment. They closed my account right away and filed a fraud claim. However, they ended up denying the claim and I am at a loss of {$2500.00}. 

After this was denied I had requested the claim to be resubmitted. I called U.S. Bank to get an update on the claim and the representative said that my claim never got resubmitted. She then proceeded to get the fraud claim sent in again and now I am awaiting their response.
Product: Credit reporting or other personal consumer reports

I request through CFPB on XX/XX/XXXX and several more dates back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate and old information to my credit report. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609 that this account be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting inaccurate information on my credit profile. They are reporting My XXXX XXXX  XXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a XXXX XXXX. XXXX XXXX  did not have right on Car title because XXXX XXXX had the car title. So state XXXX is report incorrect information
Product: Credit card or prepaid card

On XX/XX/2018 I applied for the American Express Green card. On the we page from American Express which I applied on it stated " Special Offer for you! Earn 25,000 Membership Rewards points after you spend {$1000.00} dollars on purchases on your new card within the first three months! '' I proceeded to apply and was subsequently approved. After meeting the terms within the first month I waited for my bonus to post to my Membership Rewards account but nothing came for 3 months, and that is when I made my first inquiry to American Express. I was told an investigation would be opened but never heard anything back. A few months later, after repeatedly attempting to get information regarding my inquiry, I inquired again and they said " We have reviewed you account and do not have a record of the 25,000 points offer being extended to you. Therefore we are unable to award these points to you. ''
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir or Madam : I did not provide written permission or instructions for the identified INQUIRIES 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 INQUIRIES. The identified transactions are not information related to any transactions 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 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report Proof of my identity Copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had  XXXX  store credit cards with Synchrony Ban k Walmart and Sam 's Club st ore cards. Then in late  XXXX  early  XXXX    XXXX   my  XXXX  cards were blocked because o f Fraud is what I was told. The fraud was that there were several accounts opened up in my name within a short amount of time all with Synchrony Bank. These accounts were fraudulent as I did n't authorize this. So instead of just closing those accounts they blocked the accounts that were mine Walmart and Sam 's Club and sent me a report to fill out wanting my tax documentation and I refused to do so because that was n't the  issue. So I had to close my  XXXX  cards along with the fraudulent accounts. I hav e since received four letters  from Synchrony which is attached stating that those  XXXX  accounts that were opened was fraudulent because I sent an FTC Affidavit and Police report. Now, my issue is why did n't they re-ope n the Walmart Store card and the Sam 's Club Store card which was blocked because of all this mess an d was my accounts.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$930.00} XXXX XXXX Balance : {$4300.00} XXXX XXXXXXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX U S DEPT OF ED/XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$4300.00} US DEPARTMENT OF EDU XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$6700.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$3000.00} 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
Product: Mortgage

I refinanced my loan, and had an escrow balance of {$1900.00} to be refunded to me when I looked at my account after it had been paid off. When I received the check, they shorted me {$100.00} and only paid me {$1800.00}. I called and they said it was Mortgage Insurance paid on XXXX/XXXX/16 when my refinance closed on XXXX/XXXX/16. They said it was in arrears. I asked my lender if this sounded right he said no that they only way that would happen is I 've been late or missed a payment. I 've never been late on a payment, my Mortgage Insurance started with my first payment and I should n't have been shorted. I would like help with this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Equifax,  XXXX  and  XXXX   XXXX  has the following address listed on my credit report :  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MN  XXXX , the address do n't belong to me. I have never resided at that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit report about a year and a half ago because my wallet containing all of my sensitive information had been stolen. Recently, I've tried to unfreeze my account on Equifax but for whatever reason I can not do so. I've tried to unfreeze it via the website, but it never gives me the option and only states that the status of my security freeze is unavailable. I've called and spoken to the bot, but it was also unhelpful. So I tried again, and this time managed to eventually speak with a live agent. He asked me various questions to verify my identity and I provided the required information. Afterwards he tells me that he will go ahead and lift the credit freeze on my account, as well as fixing another issue I had with my account ( The name on my account was incorrect, as someone added their name not too long after my information had been stolen ). He said I should notice the changes within a " Business hour '', and although I was confused by the phrase I assumed he meant a business day. It's been over a week since then and my credit freeze status has not changed. This is extremely inconvenient for me, as I need to buy utilities for my new apartment before I can move in. Please help, make these guys do their jobs so I can continue building my livelihood