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

Re : Failure to Enter Required Notice of Dispute Dear crpb pass this on to the CRA 's I am formally requesting that the following inaccurate information be removed for violation for the following : If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA providing notice of the dispute. Section 623 ( a ) ( 3 ).

Duties After Notice of Dispute from Consumer Reporting Agency A CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ) Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).

Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ) Notice that I now have the right to seek legal action against you for " negligent and willful failure to reinvestigate the disputed entries in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o '' ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX ) ; or XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ). 

I recently disputed the following inaccurate information with you and when I pulled my new credit report on the 31st day after you received my initial letter, this required notice of dispute was not present, and therefore, you are in violation of FCRA 623 ( a ) ( 3 ) and can not report this information. 

I've included the most recent dispute reasons from my letter. Remove immediately : In touch credit union - deletion XXXX Bank-correction to be no late paymects I expect the removal of these accounts to be completed within 15 days, as well as the receipt of an updated credit report. 

Sincerely, XXXX XXXX P.s. 
You are required to delete this account by law within 15 days if you do not you are in willfull non compliance and I intend on pursuit legal terms to have this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Open balance XXXX XXXX XXXX   Original creditor XXXX  OpenedJun XXXX, XXXX ( 9 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$530.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX   Original creditor XXXX  OpenedXX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX Last reported XX/XX/XXXX {$470.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 8 mos ) XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX  Original creditor XXXX OpenedXX/XX/XXXX ( 6 mos ) You have missed a payment on this account. 
XXXX XXXX Last reported XX/XX/XXXX {$3500.00} Reported balance Highest balance {$3300.00} You've paid off -5 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$3300.00} Monthly payment {$32.00} Opened XX/XX/XXXX ( 2 yrs, 8 mos ) Term 120 months ( 10 years ) XXXX XXXX  Last reported XX/XX/XXXX {$650.00} Reported balance Credit limit {$550.00} You're using 120 % of your account 's limit OVERVIEW Credit limit {$550.00} Minimum monthly payment {$15.00} OpenedXX/XX/XXXX ( 1 yrs, 6 mos )
Product: Mortgage

My lender PHH Mortgage Services is not complying with the CARES Act. They are offering only a forebearance, and limit it to 3 months after which the entire backlog of payments is due in one lump sum. I am demanding my full 6 month ( or more ) forebearance provided for under the CARES Act, added on to the end of my loan with no additional fees or trickery.
Product: Debt collection

Pay Pal Credit sold a debt to XXXX XXXX XXXX I have for the past XXXX  years requested the original application/validation demonstrating that I personally applied for this loan. 

They have not provided this documentation. The mailing address that they have was for my business. I did not apply or authorize this loan, I believe that an employee ( former husband and controller ) applied for the loan without my knowledge. 

They state that because there were payments made and that this is sufficient validation. I have requested documents related to the methods these payments were made by me ( ie check, another credit card ) which I have not received. 


In summary I believe that I should be able to obtain the original application and what form of authorization I made for this debt. 

I am unable to proceed with other action related to use my name and information fraudulently without proof.The negative report has impacted my credit as well.
Product: Credit reporting

In XXXX of 2014 I completely paid in full a debt. 
Original creditor : XXXX XXXX XXXX XXXX The collection company was XXXX XXXX. There address is XXXX XXXX XXXX Ma XXXX XXXX # XXXX ref. # XXXX # XXXX was paid in full for {$770.00} They are reporting the account as charged off. This is incorrect. It was paid in full and when it was they had advised me by phone that it would be removed form my credit report. As of today it remains on the report as charged off.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

On XXXX/XXXX/2015, firm contacted my estranged spouse who I never gave as a contact on my loan documents and told him that I wrote a bad check and were attempting to get in contact with me. He texted me their contact number and I called because I knew I did not have any checks written to any company for any reason. Spoke with an agent and they placed a male coworker on the line and he stated that he was the attorney for XXXX and I was being charged with fraudulent check and fraudulent use of a closed bank account and they were processing papers to have be arrested within a week.
Product: Prepaid card

I received a {$350.00} American Express eGift from my company that is useless. What I thought was a welcome gift coming just in time for the holidays to help buy my daughter gifts quickly turned into a nightmare when I realized the card doesnt work anywhere. I tried XXXX, XXXX XXXX, even several gift card website in hopes of being apple to transfer the balance with no luck. Ive literally spent 3 hours trying to get the card work. I also called customer service with no help and the website does not include which I think it should a list of merchants that will accept the card. Im literally sitting on holiday gift money I cant use and it saddens and frustrates me!
Product: Mortgage

Hello - My mortgage account transferred from XXXX to Loancare as of XX/XX/2019. I made an electronic payment of {$1100.00} to Loancare through XXXX XXXX Bill Pay on XX/XX/19, but used the old XXXX account number, as I didn't receive a notice advising my account number had changed until after the payment was made. 

This payment has not been posted to my mortgage account at Loancare as of XX/XX/19 despite various attempts to resolve the issue with Loancare. XXXX XXXX XXXX uses a processing company to deliver payments called XXXX ( also known as XXXX ) Bill Pay. A branch banker at XXXX XXXX sent XXXX Bill Pay electronic payment proof that the payment was made ( also attached the proof details to this complaint ). 

After not getting anywhere calling Loancare directly, I worked with a banker at XXXX XXXX XXXX who placed several calls with me to Loancare and provided the proof details to Loancare. When the issue remained unresolved, on XX/XX/19 a case was opened at XXXX XXXX and a Bill Pay Resolution specialist got involved. I placed a series of calls with this specialist and Loancare, each time being advised the issue would be escalated and resolved. On XX/XX/19, Loancare provided ticket number XXXX when XXXX XXXX XXXX once again sent proof details along with a request to post to the correct account. 

We then followed up with Loancare on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX each time being advised a supervisor would call back but either we did not get a call back or received a call back saying they would follow up again but not following through. 

I'm opening this complaint as a last resort. 

Thanks for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit reports are not correct, I tried to dispute and and send information through web asking for these things to be looked into. I also got protection on my account because I belief theres been information accessed not by me on the XXXX hard inquires. also dispute been sent for the 2 XXXX  marks and I have not seen the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, 8 different financing companies ran my credit : Global Lending Services, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I believe what happened was that the car dealership I went to ran my credit without my permission. The car dealership is called XXXX XXXX  on XXXX XXXX XXXX XXXX  XXXX, VA XXXX. 

On XX/XX/2018, XXXX XXXX XXXX also ran my credit without my permission.
Product: Credit reporting or other personal consumer reports

I value your assistance in removing a portion of the data in my credit file that resulted from fraud. I have accounts that need to be taken out. According to FCRA Section 605, you are required to remove any records listed in an ID THEFT REPORT # XXXX. I have already included this report in a previous letter, and I am including it again. I have informed my attorney of my intentions, and they are prepared to hold you accountable for any continued non-compliance. Please address the following : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692E 10 FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Account Number : XXXX Delete this account.
Product: Credit card

I had a fraud charge on my credit card from XXXX for {$480.00} on XX/XX/year>. I do not recognize this vendor or this charge. I reported it was a fraud to Chase but Chase closed the case with no resolution.
Product: Credit reporting or other personal consumer reports

as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ) i kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and delted from Transunion. Please delete the following accounts. XXXX XXXX XXXX  {$15000.00} XXXX XXXX. {$8600.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX XXXX. {$880.00} XXXX XXXX XXXX. {$400.00}. XXXX XXXX. {$0.00}, XXXX XXXX XXXX. {$19000.00}
Product: Payday loan, title loan, or personal loan

Lendmart has charged me 14 times in one day on XX/XX/18, via an ach withdrawal which I only authorized one payment amount to be paid for {$68.00} for XX/XX/18. 
They sent an email stating they have not charged me since XX/XX/18, however I have my bank statement showing the charges from this company. 
They later claimed an outside merchant charged my bank account 14 x, my bank account was drained, I was without money and had to leave work. 
The Banker sat there with me and could see the charges continue to be taken out of my account. They had to stop my account and made a claim through XXXX XXXX. 
Also my bank will also have to issue me a credit for Lendmart 's error which they are under investigation with my bank XXXX XXXX as well. 

Today XX/XX/18 I received an email saying I am now past due, which is impossible, as they have taken out several payments in one day. 

A few months ago Lendmart also took out money from a different account that was not only my account, I did not give permission on, I only made a previous payment with said account and they had to refund that charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 i went to zales to buy a engagment ring for the sales reps was nice but fail to tell me about the hard inquiry and aproved me a amount and advised me to make a purchase worth the amount with the lack of knowledge on how that would effect my credit my score drop 40points XX/XX/2018 XXXX/zales decided to report a missed payment when in fact I did pay.Calls where recorded about experiancing hardship and comfirmed set date for monthly payment and was paid schedule. They refuse to remove the 30 day late payment. This is false and in turn brought my credit score down 40 points again! totaling over 80 points damaged my score with companies refusing to loan to me as i plan on buying a home.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX Bank XXXX for failing to validate the account XXXX on my credit report. Despite submitting a dispute and requesting verification over 60 days ago, XXXX XXXX  XXXX has not provided the legally required documentation within the XXXX period mandated by the Fair Credit Reporting Act ( FCRA ). This failure to validate and continued inaccurate reporting has negatively impacted my credit profile, causing financial harm and emotional distress. 

Specific Violations Failure to Validate Debt Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Requires credit furnishers to verify disputed information within 30 daysXXXX XXXX XXXX XXXXXXXX failed to provide proof of the account 's validity within this timeframe. 
Impact : Continued reporting of this unverified account has damaged my XXXX XXXX and limited my access to credit opportunities. 
Failure to Ensure Accurate Reporting Violation : FCRA XXXX ( b ) XXXX to maintain maximum possible accuracy. XXXXXXXX XXXX XXXXXXXX has reported information that can not be verified, violating this requirement. 
Impact : Inaccurate reporting has resulted in higher interest rates, denials of credit, and financial hardship. 
Failure to Delete Unverified Information Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Requires that any disputed item that can not be verified within 30 days must be deleted. XXXX XXXX XXXX has not removed this account despite failing to provide verification. 
Impact : The accounts continued presence on my credit report has caused undue financial and emotional stress.
Product: Credit card or prepaid card

The original complain was submitted in CFPB data base and submission number is XXXX. 

I used reward point to redeem for digital XXXX card on XX/XX/XXXX. During the process, I input my email address but I miss typed email address. Since I didn't get anything, I checked in credit card website, I found out there was miss typing email address, called them and fixed it on XX/XX/XXXX Wednesday. A representative said give a day or two to fix it. I called back on Friday XX/XX/XXXX but the person said call back on Monday. I called back on Monday XX/XX/XXXX and the person said they ( reward point departments I guess ) will re-issue with corrected email address by today ( Monday ) or no later than Tuesday. I called back on Wednesday XX/XX/XXXX to get update information but the lady whose name is XXXX said it is duplicated requests and they will find out what happen and she told me call back later but didn't said specific time period. Finally, I called today Monday XX/XX/XXXX and spoke with representative, she said the case is closed because they already re-sent reward card with updated corrected email address on Monday XX/XX/XXXX. I told her that I have checked every Junk mails everyday not to miss reward card but I haven't gotten anything this point. She transferred phone call to higher position and the phone was hung up at the end. It seems like never ending processing. Over the last two weeks, I have made few more phone calls than I described in this statement. 

After, failing of problem solve with Chase credit card, I submitted issue to CFPB. 
The result is as follow below. The company, Chase bank, promised me to reward point back to original credit card reward point in next XXXX to 10 days since they announced. This issue happened on XX/XX/2020 that I used my reward point for XXXX XXXX reward card {$200.00} dollars. I supposed to receive to my email but I didn't. There are long story, but to make long story short, I had attempted to solve problem several times through phone called and didn't work. I finally appeal to Consumer Financial Protection Bureau on XX/XX/2020. There were several phone calls, and Chase 's final conclusion was made on XX/XX/2020 that this case will be closed and original reward point back to my credit card ending XXXX in next XXXX to XXXX business day. Yesterday was XXXX business day since they promised. Since Chase company point system needs XXXX to 10 days to make reward point back, I have been waiting enough time but there was nothing coming into my reward point. I just waste reward point that I have saved for my kids XXXX present for entire year. Consumer Financial Protection Bureau closed this case after they've got response from the company but there is certain period of times that I have to wait whether the company observe their promise. Please this case is NOT over, and Chase bank didn't do what they promise to me. Please re -open this case and reconsider the case. XXXX, This XXXX shouldn't be closed and Chase bank should response and fulfil for their client.
Product: Credit card or prepaid card

The gift card was issued XXXX this year and I discovered today it expired XX/XX/XXXX this year. {$140.00} was invalidated. According to CFPB gift card funds need to be available for 5 years ( https : XXXX ). I called the company and the answer is no replacement card will be issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please correct and update.