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

I hope this letter finds you well. I am writing to express my deep dissatisfaction and concern regarding the ongoing issues I have faced with my open accounts at XXXX and Transunion Credit Bureaus. Despite several attempts to rectify the situation, the accounts remains persistently late, and my concerns have not been adequately addressed. 

I have made several attempts to correct the late open account, XXXX XXXX. 
Despite these efforts, my accounts continues to exhibit delays and discrepancies. 
As a result of these ongoing issues, I have incurred late fees and charges, which are both frustrating and unfair. The late fees are as follows : I am formally requesting the following actions to be taken immediately : A thorough investigation into the root causes of the persistent delays on my open account. 
An explanation for the recurring issues and a clear plan for resolution. 
The removal of all late fees and charges accrued due to these issues. 
Prompt action to ensure my account is brought up-to-date and that further delays are prevented. 
A written response detailing the steps you will take to rectify this situation within 15 days of receiving this complaint letter. 
Failure to address these concerns and provide a satisfactory resolution within the specified time frame will leave me with no choice but to escalate this matter to higher authorities, including relevant regulatory bodies and consumer protection agencies. I believe that this situation can be resolved amicably and without the need for further escalation. Please assist me to correct these late open accounts : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} ; XXXX XXXX XXXX Balance Owed : {$28000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I pulled a XXXX, and on XX/XX/2019, a XXXX XXXX   credit score among Transunion, XXXX and XXXX Transunion score, deviates greater among all bureau 's. Transunion is 112 points lower than XXXX, and 121 points lower than XXXX. There is something wrong with their credit reporting score model, as the score among all three companies are too different. The standard deviation is to large, 112 and 121 points is to large of a spread. 

Please be advised all of Transunion creditors and lenders are equally reporting the identical information among XXXX and XXXX. I called Transunion to discuss how to dispute their score and score model on XX/XX/2019. A representative told me I can not dispute the model and their is nothing wrong with the score. 

This complaint is for redress against a flawed scoring model that can not be disputed. 

I am respectfully requesting help for disputing transunion scoring model, as it is flawed. Tranunion scoring models among all bureaus are to different, even though all three credit agencies report the identical credit lenders, inquiries, and balances
Product: Vehicle loan or lease

Declared XXXX bankruptcy on XXXX. DIscharge on XXXX. Account is reporting incorrectly to with each credit reporting agency. One is reporting as open petition for bankruptcy, another discharged bankruptcy, and another removed the trade line. This is incorrect credit reporting, which is being supplied by the data furnisher ( creditor ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't heard anything from these credit reporting agencies its been over 45 days since letters sent out to them. I feel like I am being ignored and been taken advantage!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and dozens of millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX of XXXX   I started looking around for a new vehicle. Upon getting a quote at the dealership I was informed that I was a first-time car buyer due to having no credit history of any auto loan. This is incorrect and I was totally caught off-guard. I decided to run my credit report from XXXX XXXX XXXX. The credit report did not show my {$20000.00} auto loan from XXXX XXXX XXXX starting XX/XX/XXXX, and ended XX/XX/XXXX. Since it wasn't on the credit report, I decide to call Experian and ask for ways to fix my problem. They told me they can do nothing from their side and the mistake had to be corrected by the Credit Union. Once I started a conversation with the Credit Union, they admitted that they in fact had lost all the documents on their end and could not correct something that they had no evidence of doing. Since this was my first auto loan my mother did co-sign with me, therefore, she was able to produce all the documents verifying my claim. The auto loan does show up on her credit report but not mine as you will see in the attached documentation. She is also willing to sign an affidavit stating that the account and loan was jointly titled in both our names. XXXX XXXX XXXX requested my documents, which I faxed. They never could come up with a copy of the loan agreement. At the time they seemed helpful, so I continued to work with them hopeful that this omission of the loan would be corrected. After not hearing from them for a few weeks I gave them a call on XX/XX/XXXXXXXX  and they told me they will not report it as Experian told the Credit Union that would be a violation. The Credit Union will help me no further. 

In summary, they could or would not provide me documentation of the auto loan I received from them. I gave them ample time to review and report the loan and I even provided them with the only information they have about my loan. I have account numbers, amount, type of account, account closure letter, everything I need for them to report the credit and they refuse to do so.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Information Dear Sir/Madam , I am writing to formally dispute certain information that I believe to be inaccurate on my credit report. This dispute is made in accordance with my rights under the Fair Debt Collection Practices Act, 15 USC 1692, and the Criminal Code under 18 USC 894, which prohibit deceptive practices and misrepresentation in debt collection. Which Experian and Equifax is currently in lawsuits for not properly investigating or validating accounts. 

My Details : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputed Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXX XXXX acct # XXXX {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$92.00} Reason for Dispute : The company did not properly validate these accounts, they did not provide me any documents like the original contract/purchase agreement with my signature, history of payments, method of payments, nor documents that they own alleged debt and stating they're within the statute of limitations, etc according to 18 USC 864. Furthermore, it's being reported in my credit file the debt has been charged off which means a 1099 has been filed in which I did not received a copy of this document. My rights have violated on so many levels for grounds to go to court, file a suit, and you'll be fine for damages I request that you investigate the inaccuracies on my credit report and correct any information that is erroneous. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely investigation and resolution of this dispute. Please provide me with a copy of the results of your investigation and any updates made to my credit report. 

In addition, please ensure that any inaccurate or incomplete information is removed or corrected as required by law. I also request that you send me an updated copy of my credit report once the dispute has been resolved. 

I appreciate your prompt attention to this matter and expect to receive a response within the statutory 30-day period. I've also included a copy of my current DL and Proof of address. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of Social Security : XXXX XXXX XXXX
Product: Debt collection

Im being asked to provide {$100.00} by Credit Corp Solutions. This is them saying that its something from XXXX. I provided documentation from my bank where {$100.00} dollars were sent to XXXX around the date of this debt collection creation. XXXX also has sent me an email saying the confirmed the {$100.00} payment. I sent this information to debt collector agency and they dont think it is enough and are trying to send me more info for me to sign. 

Sounds like XXXX sending me to collections, then me paying, then XXXX not doing due dilligence and contacting the debt collectors. Either XXXX or credit corp solutions not doing their required work and asking me to prove why I dont owe the debt.
Product: Debt collection

I have a police report for fraud Send it to the XXXX XXXX XXXX The account is fraudly open in my name I asked for a signature with my name and they failed to send but are still reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint in regard to a recent notification on my credit report. The information reported is inaccurate and is leading to a negative impact on my credit file. I am including proof and the information on the credit report is incorrect. Please investigate the late dates reporting on this account. The month 's reporting does not match my records. Please correct all late reporting on this account. XXXX XXXX XXXX XXXX : {$54.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Information as Shown Below Must Be Investigated Immediately. 
Failure to Provide Adequate Details, Method of Verification, Accuracy of All Dates, Amounts, and other pertinent information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do recognize that you deal with an enormous amount of data, which led to the creation of the E-Oscar system, which is partly owned by all of the agencies represented in this letter. 
As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method Of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. 
I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted.
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 Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has XXXXiolated my rights. Or a 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: Checking or savings account

I have not had access to my account since XX/XX/XXXX. I can not see any bank balance, transactions and i am completely locked out of my account. I was told i would receive a call back by XX/XX/XXXX and never received a call. I called today to see if i could log in and it has gotten worse to the point i am locked out of my account information and still have no access. I called Ally at XXXXmst and there is a 30mn wait for customer serive. No answer. I then sent a follow up chat which is an additional 1+ hour wait. I need access to my finances as i have bills due and can not access this account. Please help to make this right! I dont know what else to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 usc 1681XXXX XXXX XXXX XXXX  XXXX has violated my rights
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft resulting from the XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX. The unauthorized use of my personal information and the creation of fraudulent accounts have caused severe damage.

Pursuant to Section 605B and Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of the fraudulent accounts, inquiries, addresses, and employer information listed below.

Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), credit reporting agencies ( CRAs ) must block the reporting of fraudulent information upon receiving an identity theft report and a request for blocking. No further documentation is required once the consumer submits this affidavit and the identity theft report.

\FCRA Section 611 ( a ) requires CRAs to conduct a reasonable investigation upon dispute and remove or correct inaccurate or unverifiable information. Under FCRA Section 605 ( c ) ( Debt XXXX  Repair Act ), no adverse information related to human trafficking may appear on my credit report.
Product: Credit card or prepaid card

1st off this is referring a Secured Credit Card from XXXX XXXX aka XXXX XXXX XXXX, Now on my credit report under XXXX XXXX XXXX I originally disputed this with XXXX and XXXX in XX/XX/2020 through XXXX XXXX, all i get back is that it meets FCRA requirements. I have called XXXX, cause also they are on my credit report as XXXX XXXX and as NCA, which i don't believe i can have same account listed twice, which tell me, yes it is there & correct. Regardless I sent NCA a letter in XX/XX/2020 asking them to forgive this debt because as a secured card, they are not to raise my credit limit without my permission and my deposit to open the account is to go to any outstanding debt. This account should not be in collections.This is not the only issue I am having, m just first of many.
Product: Mortgage

I started the refinance process in XXXX 2015 with J P Morgan Chase and even after filing a previous complaint have yet to sign loan documents and complete the loan process.There has been no explanation not even from Chases executive branch as to why the process has taken so long. I have received letters on more than one occasion stating that I requested to withdraw my application, but never submitted such a request. After providing all documents perviously it was stated by the processor that certain items were n't received, although the mortgage banker had proof of submitting the documents. The privacy of my personal information has n't been taken into consideration. There has been no care or interest from the processor nor executive branch to assist the mortgage banker to bring this to a positive closure. It was previously stated that loan origination fees were XXXX % of the loan value now recently receiving the 3rd set of closing documents its XXXX %. It 's as if I 'm being penalized for complaining about horrible service and not being treated fairly. I refuse to believe that a large lending institution such as Chase who handle XXXX loans has such unethical standards toward lending practices. I would like to know how many loans that began when I initially started have closed in a reasonable amount of time ( I do understand every situation is different ). I am truly appalled at the thought that my ethnic background and the mortgage bankers as well are the catalyst for the delay. I would 've never imagined that my current lender would attempt to keep my rate high for their benefit and provide such horrible customer service. This has been a disturbing and a horrific experience to say the least! Please assist me with this inexcusable situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There 16 inquires on my credit report I don't recognize. I'm a potential. victim of credit fraud therefore my credit has been promised. Please delete from my credit report. 
16inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am writing to request your assistance in resolving a distressing issue related to erroneous collections accounts that are inaccurately reporting on my credit report. I am a victim of identity theft, and these accounts do not belong to me. The XXXX accounts in question are as follows : 1. Account with XXXX XXXX XXXX for {$210.00} 2. Account with XXXX  XXXX  for {$90.00} I have diligently checked my credit report and can confirm that these accounts have been inaccurately reported and are negatively impacting my credit rating. These erroneous accounts have the potential to cause long-lasting harm to my financial standing, which is of great concern to me. 

As a victim of identity theft, I have taken all necessary steps to report and address this issue, including filing a police report and working with the credit reporting agencies to dispute these inaccuracies. However, despite my efforts, these collections accounts remain on my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the closing and resolution of these unknown collections accounts. A fair and just resolution would be the immediate removal of these erroneous accounts from my credit report. Removing these inaccuracies is essential to restore the integrity of my credit history and ensure that my financial future is not negatively affected by circumstances beyond my control. 

I understand the importance of maintaining the accuracy of credit reports and the potential impact on one 's financial well-being. I trust that the Consumer Financial Protection Bureau will work towards ensuring the removal of these erroneous accounts, as this is crucial to my ability to access credit and financial opportunities. 

I request your prompt attention to this matter and your assistance in resolving this issue. Your support in helping me achieve a fair resolution by removing these inaccurate collections accounts from my credit report is greatly appreciated. 

Thank you for your time and consideration.