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

Request to Investigate and Remove Inaccurate Credit Report Items under FCRA and U.S. Consumer Laws Details of the Complaint : I, XXXX XXXX, am filing this complaint to request an investigation into the accuracy and legality of the reporting of the following accounts on my credit report. These accounts contain late payment and/or charge-off entries that are potentially inaccurate and/or unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Buying Act ( FDBA ), and applicable U.S. codes to request a thorough review of these matters. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believe the information reported by these creditors is inaccurate, incomplete, and/or unverifiable. I have previously disputed these entries with the credit reporting agencies but have not received adequate responses or resolution. 

Request for Resolution : Remove all late payments and/or charge-offs associated with these accounts permanently.

Provide documentation verifying the accuracy of the reported information.

Confirm compliance with FCRA, FDBA, and applicable U.S. codes in the reporting of these accounts.
Product: Credit reporting or other personal consumer reports

I requested an update on my credit disputes which were mailed to Transunion with required identifying documentation on XX/XX/. Transunion acknowledged receipt on XX/XX/. No investigation was ever done nor was information confirmed so I called Transunion again today XX/XX/XXXX  to check on the status of the dispute because it is far past the 30 day deadline to investigate and provide a response. I spoke with XXXX ( at Transunion ) at XXXX on XX/XX/. He stated no investigation has been done nor even begun from my XX/XX/ disputes. This is willful noncompliance. For the sake of clarity, I disputed XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX  as the information is not correct. Because Transunion did not investigate my dispute request, I demand that Transunion remove all negative credit entries and/or process a full goodwill deletion on these account mentioned. Please hold this credit bureau accountable for their habitual noncompliance. Thank you kindly for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue regarding a tradeline currently listed on my credit report. Upon reviewing the details, it is clear that this tradeline has not been reported with the maximum possible accuracy, which is in direct violation of your obligations under the Fair Credit Reporting Act ( FCRA ). This error has the potential to significantly distort my credit profile and affect my financial standing.
Product: Prepaid card

My government benefits where compromised and stolen I have been locked out of the XXXX website due to a password change and my account balance was XXXX when I was able to get into it. I am a victim of identity theft and despite me reporting that and documentation to Bank of America the denied my claims due to funds being withdrawn after deposits. It is statistically known that individuals committing fraud would typically withdraw funds immediately after they become available. Therefore, the fact that funds were withdrawn shortly after a deposit should not be a reason to deny my claim. I have not authorized these transactions, and I firmly believe that the funds were fraudulently taken.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Transunion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO TransUnion credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan opened at XXXX XXXX XXXX on XX/XX/year> under account number XXXX, a student loan opened at XXXX XXXX XXXX XXXX XX/XX/year> under account number XXXX, and a student loan opened at US Dept of EducationXXXX XXXX XX/XX/year> XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each company is showing Inquiries on my report that are false. I have provided proof and the company who sent furnished the inquiries also reached out to them expressing that they should be removed and they have not yet done so. I have contacted each company as well as place a CFPB complaint on this issue and it has not been removed from my credit reports. I have the exact letter from the furnishing company on what should not be on my reports at all. this is hurting my credit and my opportunities! below are a list of the inquires that should be deleted asap. 

Date in question : XX/XX/22 -XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have tried twice to let experian know that they have unfairly reported my credit score way too low and they still wo n't honor my request which is now discriminatory. 
transunion has me at XXXX equalfax is at XXXX and these guys are at Experian have me at XXXX. I have paid on time with XXXX credit cards with no late payments for four years and XXXX mortgages at 2 years this is after my bankruptcy of XX/XX/2009. So for seven years I have a perfect payment record. I 'm a widow that my spouse died 5 years ago with a XXXX we were dealing with. I have XXXX children and I need to refinance. 
Please resolve this thanks
Product: Credit reporting

This may be happening to many people using all XXXX of the websites. Same thing happened last time I tried over a year ago. The company gives you XXXX chance to view your *Free Report*. Instead of providing it in a .pdf file with all details for download, they provide an html version, requiring multiple clicks to view portions. They seem to purposely designing these pages to result in the page often crashing. Attempts to return, no longer give you access, since they already gave you that chance. They are satisfying the law, without really providing the information required, in this manner. This results in the user having to pay, to really see what is required for them to provide freely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with experian about 5 different accounts reporting on my file. I have submitted a ftc report and the items was not removed. I then asked for the original contract to each account to be sent to me for validation. I have not been sent any documentation in over 30 days and the accounts still remain. It is 3 different XXXXXXXX XXXX XXXX accounts, an account from affirm and an account from citizen. According to the FCRA these accounts are in violation of my consumer rights. Each credit reporting agency is supposed to report the same information across-the-board. Experian is the only ones reporting these accounts. This information is to be deleted for reporting misleading and inaccurate information.
Product: Debt collection

Good Afternoon, During the process of reviewing my credit report. I noticed the XXXX SCA Collections. It states that the file was opened on XX/XX/XXXX in the amount of {$65.00}. I contacted this company via certified letter asking for validation of this debt because the debt did not belong to me. I did not receive a response. I then contacted XXXX & XXXX credit bureaus via certified letter requesting the debt be validated or deleted and they sent correspondence stating the debt was validated but did not include any proof. I sent a second round of letters attempting to handle this matter. SCA COllections then sent an updated collections reports to the credit bureaus mentioned above on XX/XX/XXXX. SCA Collections license has been forfeited in the state of State of South Carolina & they are not authorized or licensed to collect on any debt, especially debt that does not belong to me. I have exhausted all options in attempting to getting this debt removed off of my credit report.
Product: Debt collection

On XX/XX/2023, I sent Jefferson Capital Systems LLC a letter of debt validation under 15 USC 1692g for an alleged debt of the amount {$360.00}. I have the receipt where I sent it certified mail green return receipt. They received my letter sent to them on XX/XX/2023, at XXXXXXXX XXXX. They sent back the green return receipt, but failed to send me a response to prove that the debt belongs to me. They never sent me a model form b1 and parked an account with an alleged debt on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE NEGATIVE ITEM THAT IS BEING DISPUTED DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE THE NEGATIVE ITEM AND HAVE IT REMOVE OFF MY CREDIT. THIS ACCOUNT HAVE BEEN INACCURATELY PLACED ON MY CREDIT AND HAS HAMPERED MY CHANCES OF ACQUIRING NEW CREDIT.
Product: Mortgage

I've received a letter from SoFI saying my insurance is not up to date and that they will pre-purchase insurance for me if I do not update my policy on their website. SoFI is in charge of my escrow which pays my insurance company and is very well aware of whether or not my insurance policy is up to date. I believe SoFI is attempting to have me miss this information and charge me for insurance I don't need so they can increase their profits. I haven't had this issue previously with SoFI, and have had this mortgage with them since 2021.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 they have stole my identity. I have uploaded a court document. They also said they verify this information by the court.
Product: Vehicle loan or lease

Exeter Finance, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 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 your reporting of this account inaccurate! 

By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says you, Exeter Finance , are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you to cease and desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS XXXX publication information.
Product: Credit card or prepaid card

I referred my friend using my Chase Freedom credit card on XX/XX/2021. My reward for this referral would be 10,000 chase ultimate reward points ( valued at {$150.00} ). My friend applied using my link and was instantly approved for the Chase Freedom XXXX XXXX and has been a happy customer since. 

Normally, referral bonuses from Chase post to my account in about 2-3 weeks. I contacted Chase when I didn't see it and they told me to wait the full 8 weeks stated in the terms and conditions. Then I contacted them again two weeks ago around XX/XX/XXXX and provided them with the details they asked ( my friend 's full name, email and the last 4 digits of the card they applied and were approved for ). This whole process is documented in my Chase Secure Message history and I can provide screenshots if needed At this point, chase customer support started flat out lying about the entire process and Chase 's terms of the promotion. First they claimed that my friend did not use the referral link and that they are not a new chase customer. My friend has never banked with Chase before and I was sitting next to them when they applied for this card. I made sure that they used the link and helped them through the process as this is their first credit card. 

Then they claimed that a Chase Freedom card account could only refer users to another Chase Freedom card. This is inaccurate both in the the adveritising on the Chase mobile app, the website you visit to generate your referral link and the website shown to the person being referred. They are allowed to choose Chase Slate, Chase Freedom XXXX, Chase Freedom XXXX and Chase Freedom XXXX. This kind of blatant lying to ensure customers never get paid is the worst service I have ever seen. 

They claimed they were escalating my request to a senior representative and I would get a response within 5 days. It has been double that with no response so I have no reason to assume they haven't ghosted me and denied the money I am owed with no response.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We have XXXX in our home. When they installed it, it did not work right. We kept having connectivity issues. We contacted them several times. They checked things on their end, but took their time correcting it. During that time, we told them we want the service, but it has to work right. They understood, and eventually got someone out to our home to confirm that they aligned the dish " wrong '' and that was the cause of all of our months of issues. Now, we are applying for a new home loan, and this comes up! We did not know it went to collections as well. This is totally WRONG. XXXX admitted their installation error ( " ... it was a Level 1 Technician ... '' ), and waived the equipment charge. They also admitted that they shouldn't have billed us for this in light of the issues at hand. 

NOW I have learned that IC System Inc XXXX Collection XX/XX/2016 {$220.00} is related to the XXXX error. Our bills are paid up. This collection reference is bogus, and should be immediately removed. XXXX will confirm we are paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights are being violated by the following credit reporting agencies XXXX, Transunion and XXXX. I never gave them any consent or any written authorization to report any of my private or personal information. By law ( Bad Credit is illegal ) according to 15U.S Code 1681b ( 2 ) CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : Permissible purpose of Consumer Reports : In accordance with written instructions of a consumer to whom it relates or an order, a subpoena issued in connection with proceeding before a Federal Grand Jury. I have tried to get this matter resolved serval times and have been unsuccessful. This is affecting me mental and financial and this is also discrimination of my credit history creditworthiness according to the law 15 USC 1691 scope of prohibition : I demand that all accounts and inquiries are reinvestigated for the proof of my authorization of my written consent I demand the removal of all items. For Each Violation that is not reinvestigated you will owe me {$1000.00} for each Violation found. # fcraviolation # fdcp # consumerlawsrights # consumerlawsrights FCRA SECTION 604 ( a ) since there's no written consent that's considered identity theft
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been trying to get in touch Conduent ( who took over from ACS ) on my student loan. I can not reach anyone at Conduent thru any of the phone numbers listed on their website. When I enter my social security number on the Conduent website to try to get information on their website, Im advised that Conduent no longer service my loan, but Im not given anymore information.

Id like to know : 1 ) who is now servicing my loan 2 ) does my loan balance reflect the payments Ive been making to Conduent thru online banking? 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : FCRA violations : XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$75.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX  % Balance on XX/XX/XXXX Original balance {$75.00} {$75.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score XXXX. 
Payment Info Original balance {$75.00} Balance {$75.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX, WIXXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : XXXX  % Balance on XX/XX/XXXX Original balance {$1300.00} {$990.00} Payment Info Original balance {$990.00} Balance {$1300.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Wrong names and address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX