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

Subject : Dispute of Inaccurate Information on TeleCheck and XXXX XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my TeleCheck and XXXX XXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : XXXX. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
XXXX. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation. 
XXXX. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
XXXX. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation. 
XXXX. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by TeleCheck and XXXX XXXX violate my rights under the following laws : 11. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
12. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

13. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information. 
XXXX. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes. 
XXXX. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my TeleCheck and XXXX XXXX. Specifically, I ask that : XXXX. TeleCheck and XXXX XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. TeleCheck and XXXX XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my TeleCheck and XXXX XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
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. 

LVNV Funding account ending XXXX LVNV Funding account ending XXXX Resurgent has has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I contacted Equifax and Expierian to have any incorrect and damaging information ( ie : other names and addresses not associated with me ) removed from my credit report and they have failed to do so.
Product: Mortgage

Ten years ago I was laid from my 25-year job. Since then I have been unable to make payments easily. I already went through all of my 401k to try to keep my place. I just make enough to pay my bills, little else. I had my mortgage and a home equity loan through Citibank. After 10 years, apparently I have to start paying the principle on the home equity loan which I was unaware of. My payment went from about {$300.00} to $ XXXX+. I have continued to make the {$300.00} payment but that 's all. I do not make enough to refinance or get another loan. The payoff on my place is about $ XXXX. When I started to see if I could be considered a " hardship case '', they did a property assessment of $ XXXX. One letter told me they would " suspend Foreclosure proceedings '' while they determined if I could qualify for a loan modification. Three+ months later ( this week ) they denied me. I can never get through to anyone and no one returns my emails. I had to file bankruptcy so my Citibank Mortgage loan was sold to XXXX XXXX/XXXX. They do not give you any information on your statement, and make you wait forever to get through, and then you are transferred to the " Bankruptcy Department ''. But it is very difficult to talk to anyone because my Home Equity Loan is no longer tied to my mortgage loan at the same company. I usually get transferred about 5 times, and then they end up transferring me back to the department I started with! Most of the time, they just answer " No one is available to take your call. Call back later ''. One person I spoke with said I was never in Foreclosure status, so who knows.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  RO XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear Nordstrom/TD Bank USA , I was recently reviewing my credit report and was surprised to discover a late payment reported for XXXX and XX/XX/year>. 

I am uncertain how this occurred, as I believe I made my payments upon receiving my statements. My only assumption is that my monthly statement may not have reached me. 

Given our longstanding positive relationship, I kindly request the removal of this XXXX late payment from my credit report and a refund of any late fees that may have been assessed. Additionally, under the provisions of the Fair Credit Billing Act ( FCBA ) 15 USC 1666b, I believe I was incorrectly billed. As I do not find this to be an accurate reflection of my payment history, I would prefer to resolve this matter promptly without unnecessary complications for either of us. I appreciate your prompt attention to this matter and look forward to continuing my positive experience with your institution.
Product: Prepaid card

I have two XXXX American Express gift cards that I have been unable to use despite American Express saying can use anywhere. I have tried XXXX, XXXX XXXX, XXXX, XXXX XXXX and cant use the card at all. So I have XXXX total in these gift cards just being wasted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute-Hard Inquiries : CAP ONE NAXXXX CAPITALONE XX/XX/XXXX CAPITALONE XX/XX/XXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called XXXX  for inaccurate inquiries/other inaccuracies- XXXX took few disputes on phone, stated I had to call companies re : hard inquiries.

Called CapitalONE- Automated system requested SS #, after input, stated, no acc associated w/ my SS #. Repeatedly asking for SS # input until it forced the CS rep on phone. I explained to CS Rep what caused me to realize these hard inquiries on my credit report. I stated that Im an AU on my husbands CapitalOne cards, but no hard inquiries done- CS rep agreed/confirmed no hard pulls are done when being added as an AU to husbands CapitalOne cards. I stated due my being an AU there was never a need to apply. She took my full name/SS # & couldn't find any hard inquiries re : my info. CS then asked if hard inquiries stated regarding an application- I told her that all 3 CapitalOne hard inquiries are listed as-REASON : Unspecified. CS rep then asked me regarding XXXX assistance w/ this issue- I told her XXXX was 1st called- no help- XXXX  stated that they couldn't do anything-I had/needed to call creditors. Therefore CapitalOne was unable to verify that from my full name/SS # or inquiries were made w/ my info. 

The Capital One customer service was super sweet and my complaint is not against her. I hate to make a complaint about Capital One, but I need these inaccuracies removed from my credit report. But neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and XXXX tells me to call the furnishers, they cant do anything. XXXX makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.
Product: Credit card

Home Depot sent my bill to the wrong mailing address. Once I realized it I called Home Depot corrected my address & as soon as I received the bill the bill I paid it in full, less a penalty. Despite agreeing to take the penalty off they continue to add a penalty every month.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fourteen fraudulent accounts appearing on my consumer Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a phone bill account opened at XXXX on XX/XX/XXXX under account number XXXX  ; a credit card account opened at PXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX XXXX a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card opened at XXXX Bank XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX ; another credit card opened at XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX - XXXX on XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXXXXXX XXXX XXXX  XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXXXXXXXXXXXXX ; and a credit card opened at XXXX XXXX - XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report, including inquiries from FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 under the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my student loans ( XXXX  ) on Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Equifax is reporting inaccuracies, they are reporting that l have late or missed payments, I've been in forbearance since XXXX plus the COVID-19 student loans pause is still in effect
Product: Credit reporting, credit repair services, or other personal consumer reports

****This will probably be your MOST MAJOR case out of all your investigations and this should be elevated to the highest levels at CFPB. 

The synopsis is this : The credit reporting agencies are committing a fraud on the public AND must be investigated by CFPB and this issue must be disclosed to Congress. The credit reporting agencies are selling credit products to the public and providing FALSE credit scores paid for by consumers, yet, at the same time, these same credit reporting agencies are providing a completely different product to lending institutions which list completely different credit scores. So, bottom line, the credit reporting agencies are providing two sets of credit scores - one for the public and one for business. There should ONLY BE ONE uniform credit score. The question becomes, which credit scores are real and which are fake? Can the credit bureaus sell fake information and pass it off as real?
Product: Credit reporting, credit repair services, or other personal consumer reports

Yet another fraudulent posting on my report, this time from XXXX XXXX, this is fraud I did not apply for any service from XXXX XXXX, this is on my report as an Hard Inquiry. Im getting tired Equifax of you not doing your job to check this out so, Im letting the attorney general know both in my state and yours. Also, im letting the FTC see this as well, I will also be approaching my senators in Texas and I can assure you I will get results.
Product: Debt collection

During the covid19 period that debt collectors were not to be trying to collect debt I was contacted by XXXX, XXXX XXXX XXXX. It started in early XXXX. I sent proof that I could not pay and that I had funds that were not garnish able and asked them for no contact by phone. The amount of calls I was getting was insane. Very soon after We had a knock at our apartment door in a secured building. I opened the door thinking it was someone that I knew. It was a server not law but civil and he has no mask on which the sign is on both doors down stairs where he came in.Handed me the paper work and off he went. The Proof of verification had not yet came I asked for from before nothing. So I read everything and answered his complaint. I had filed bankruptcy in XXXX and being all the dates and transactions were redacted I had no clue when this was from. I did the best I could not having access to a lawyer and legal aid being closed. The lawsuit was for XXXX dollars and there was no mention of the fact the XXXX was sitting on XXXX in dollars in more debt, which is against the law. The only thing on my credit by XXXX at this point was the XXXX then on XX/XX/XXXX XXXX more shows up on my credit and never had a letter about it. I filed a complaint with CFPB in less than a week the name on the debt changed to the original credit card company synchrony. Well that is who sold the debt to XXXX  after they closed the accounts and wrote off the debt. I am told that because they put it on my credit and also left it out of there summons it is no longer owed to anyone. I still have not been given the proof of validation on anything. The amounts of the paypal  credit is disputed to paypal and they never should have sold the debt before resolving that.There was issues with items not arriving from XXXX  that was purchased paypal. They took and closed my account and sold the company to synchrony I am sure they never told them it was all under dispute as PayPal is 100 % guaranty to arrive and work. I have had thousands in items never arrive and some that did that were broken. That was never addressed by Paypal. These items are still on my credit report and need to be taken off.
Product: Debt collection

XX/XX/XXXX CFPB : JPMChase ARM Loan XXXX XXXX Accounting violates Financial Accounting Standards Board ( FASB ) Standards for verifiability. Verifiability QC26. Verifiability helps assure users that information faithfully represents the economic phenomena it purports to represent. Verifiability means that different knowledgeable and independent observers could reach consensus, although not necessarily complete agreement, that a particular depiction is a faithful representation. Quantified information need not be a single point estimate to be verifiable. A range of possible amounts and the related probabilities also can be verified. QC27. Verification can be direct or indirect. Direct verification means verifying an amount or other representation through direct observation, for example, by counting cash. Indirect verification means checking the inputs to a model, formula, or other technique and recalculating the outputs using the same methodology. An example is verifying the carrying amount of inventory by checking the inputs ( quantities and costs ) and recalculating the ending inventory using the same cost flow assumption ( for example, using the first-in, first-out method ). QC28. It may not be possible to verify some explanations and forwardlooking financial information until a future period, if at all. To help users decide whether they want to use that information, it normally would be necessary to disclose the underlying assumptions, the methods of compiling the information, and other factors and circumstances that support the information XX/XX/XXXX, JPMChase, through First Class Postage USPS Delivery, sent me a Mortgage Payment Schedule. The Accounting for XX/XX/XXXX lacks any detail, thereby rendering it Unverifiable. That violates Financial Accounting Standards Board ( FASB ) Standards for verifiability. I demand, that JPMChase waive all my mortgage loan re-payments in XX/XX/XXXX and account for all my mortgage payments in XX/XX/XXXX solely as Pre-Payment of Principal without Penalty, as Curtailment. Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Student loan

IBR with PSL forgiveness tracking that was suspended/put into forbearance during Chapter XXXX   Bankruptcy ( not tracking qualifying payments since bankruptcy filing ) XX/XX/XXXX. On discharge was placed on an additional administrative forbearance until XX/XX/XXXX because opened investigation into school 's lending practice as the degree that I earned is longer offered by the university due to the number of complaints received by degree holders unable to use degree and not being prepared to sit for the national certification that should go with the degree but is separate.

I NEVER REQUESTED ANY FORBEARANCE. Bankruptcy notification is required by law. During this entire process, my PSL is suspended, payments are not being counted towards the 120 month qualifying payments for forgiveness and that is wrong since Federal Student Loans CAN NOT BE DISCHARGED IN BANKRUPTCY. I am now out of 12 qualifying payments that should be counted towards PSL.
Product: Credit reporting or other personal consumer reports

IM DISPUTING AN ALLEGE LATE FEE PUT ON MY ACCOUNT, DUE TO THE NEGLIGENCE AND CROOKED BUISNESS TACTICS FROM XXXX XXXX, TRANSUNION, AND XXXX HAS BEEN FOUND GUILTY AS CHARGED BY THE CFPB FOR NOT DISPUTING BOGUS LATE FEES FROM LINES OF CREDIT AND CREDIT CARDS FROM CONSUMERS LIKE MYSELF..THIS NEGATIVE PUBLICITY HAS BEEN ALL ON THE NEWS, AND ONLINE ... XXXX AND TRANSUNION AND XXXX HAS NOT BEEN READING DOCUMENTS THAT'S BEEN MAILED AND EMAILED TO THEM, THESE CREDIT BUREAUS HAS BEEN COMMITTING UNDERHANDED, UNETHICAL BUISNESS TACTICS TO HARD TIME AND CAUSE HARDSHIP ON CONSUMERS LIKE MYSELF FOR A PRICE... .I WANT THE CFPB TO PLEASE READ ALL MY DOCUMENTS THAT I'VE BEEN SENDING TO THESE CREDIT BUREAUS, AND YOU WILL SEE THAT I ALWAYS ASK THEM TO READ THE DOCUMENTS ... .XXXX  XXXX  WHO PUT THIS BOGUS LATE FEE OF {$11.00} ON MY ALMOST PERFECT CREDIT REPORT ALSO DID NOT FOLLOW PROTOCOL ..15 U.S. CODE 1666 b TIMING OF PAYMENTS ... CFPB LAWS AND REGULATIONS STATES..A CREDITOR IS SUPPOSE TO HAVE DELIVERED 21 DAYS BEFORE BILL IS DUE... THIS DID NOT HAPPEN..ANOTHER VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto is reporting a late payment XX/XX/2018. It is impossible. We traded in the vehicle XX/XX/2018 and there has been a zero balance on the account since the dealer sent the pay off check in XX/XX/2018. This reflects perfectly in the history of the balances on my credit report. If you look at the balance history it is obvious there could be no late as there was nothing owed for 6 months prior on an installment agreement where no additional charges could have occurred. 

Capital One Auto acct # XXXX I am attempting to secure housing for my family and this is impacting my ability to do so. It is inflicting severe financial and emotional damage on me and my family. I am recovering from a serious illness caused by stress and this is causing a relapse.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SSN # XXXX XXXX XXXX XX/XX/year> Tek-Collect Incorporated XXXX XXXX XXXX XXXX XXXX OH XXXX Subject : Cease and Desist Demand Regarding Debt Collection To Whom It May Concern, I am writing to formally request that you cease and desist all communication and collection activities regarding the alleged debt associated with my account acct # XXXX. 

This letter serves as a formal request for validation of the debt as mandated by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. I request that you provide me with the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A detailed statement of the account, including any fees or charges. 
4. Verification that you are authorized to collect on this debt.

Furthermore, pursuant to 15 U.S.C. 1692c, I request that you cease all communication with me at my workplace and any other inconvenient times or locations. Any further contact regarding this matter should be conducted in writing only.

Please consider this letter a formal demand that you stop all collection activities until you have provided the requested validation of the debt. If you do not comply with this request, I will consider taking appropriate legal action against your agency for violations of the FDCPA. 

I expect to receive your written response within 30 days from the date of this letter. 

Thank you for your immediate attention to this matter. I look forward to resolving this issue amicably. 

Sincerely,
Product: Credit card

In XXXX, I applied and received a United Explorer Card with Chase Bank. After getting married and changing my last name in XXXX, I inquired through the Chase app as to how to update my last name. They said there would be a form they would mail to my address on file for me to fill out and return. I inquired 3 times over a 6 month period, during which I never received these forms - despite verifying that the physical mailing address they had on file for me was accurate. I continued to use my card with my former last name, but when my card expired in XX/XX/XXXX, I never received a new one. I again inquired multiple times, even scheduling an in person meeting at a Chase Bank where the representative called the credit card division on my behalf and was told the form to update my last name and subsequently a new card would be mailed to me. I again verified with the representative on the phone that the address they had on file was correct. It has been a year and I have still yet to receive the form or a new card, but was just charged the annual fee ( {$95.00} ) for the card, despite not being able to use it.