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

I am writing to formally dispute the negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting incorrect information on my credit report & the failure to investigate these disputes, and failure to correct inaccuracies after notice As a consumer, I am entitled to accurate information on my credit report and to be informed of any updates or changes. However, despite my prior communication and dispute filed on [ date of previous dispute ], the issue has not been resolved within the required timeframes, and the incorrect information still appears on my credit file. This failure to properly investigate or correct the information is a violation of the FCRA.

Pursuant to FCRA Section 1681o, I believe I am entitled to damages for the harm caused by your failure to comply with the statutory obligations of investigating and correcting the erroneous information. This negligence has resulted in damage to credit score & denial of credit. 

I demand that this matter be rectified promptly. Specifically, I request that : XXXX. The incorrect information be investigated and removed from credit report. 
XXXX. A full written explanation of your findings be provided.

3. Any and all reports reflecting the incorrect data be updated.

I expect this matter to be resolved in accordance with FCRA guidelines and within the required 30-day timeframe.

Please confirm receipt of this letter and the actions you will be taking. I look forward to your prompt response. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of true identity fraud. There were XXXX XXXX credit cards opened in my name that I did not authorize and XXXX XXXX inquiries did back to back within same month which is something a real person wouldn't do. There are multiple incorrect accounts reporting on my credit report that I didn't give authorization for or written consent. I have sent out letters in XXXX, XXXX, and XXXX to all credit bureaus ( XXXX, Equifax, XXXX ) to fix this matter but each bureau failed to resolve this matter. XXXX has failed to remove addresses that are not mine which may be causing the fraud to continue to happen as well. I have also requested for each bureau to update my phone number on my fraud alert but they each failed to do so. I am very livid that I continue to be a fraud victim, have my rights violated, and my credit report ruin because of the credit bureaus giving access to my credit file because of system breaches the credit bureaus ( XXXX, Equifax, XXXX ) keep having and miss reporting information to my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been going back and forth with XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX and Experian information solutions llc since XXXX or XXXX of this year upon looking at my credit report, I tried to explain to them that I am the victim of identity theft and I disputed them two, three maybe four times a week for them to keep coming back telling me the information was verified, XXXX XXXX I sent a copy of my license, informing them that I do not live at that place but to no avail they still sent me the same information back as if it was a robot repeating the process, ive sent you the fair laws in a complaints on all three already im tired of fighting alone I need for all three credit bureaus who violated my privacy to remove all inaccurate information off my credit report Im trying to move and they have my credit report looking like shredded wheat and I dont have that much credit, its not fair to me to keep looking at my credit report seeing closed accounts that were paid for and one account that wasnt mine. Im asking for your help to get those inaccurate reports off of my credit report so I can move on.all three credits bureaus keep sending information to put and keep me in debt but wont help with the real issues..
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX did a *Hard Inquiry '' on my credit and it was supposed to be a soft inquiry not effecting my credit score but it did. 
I went online to file a complaint with Experian and you can not do it there you must call I did and the automated system refuses to allow you to speak with a live person. 
The options i needed to dispute wasn't available so it kept pushing me back into the main menu. 
This happened over and over again. 
I am frustrated XXXX XXXX sent me a " Pre-approval with confirmation number for a XXXX XXXX XXXXXXXX then said a soft inquiry would be done.. 
Not only was i not pre-approved but it wasn't a soft inquiry im now dropped points for a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require )., I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agenc
y, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

Chase Bank sold my account to a collection agency XX/XX/XXXX. The account was paid in full TO THE COLLECTION AGENCY XX/XX/XXXX, as evidenced by the attached documents. CHASE BANK IS STILL REPORTING THAT ACCOUNT ON MY CREDIT REPORT AFTER 3 YEARS. To my understanding this is a direct violation of the Fair Credit Reporting Act. Then they have the audacity to send me a letter stating that they have confirmed that the account is not being reported. XXXX? 
I want to be compensated by Chase Bank for the higher interest rate this incompetence has caused me. I recently tried to buy a house and was denied because this account is STILL reporting as a charge off. Apparently the collection agency and CHASE BANK do no communicate. 
The collection agency, XXXX XXXX XXXX is NOT reporting this account any longer. Why in the world is CHASE BANK other than incompetence?
Product: Credit card or prepaid card

Goldman Sachs Apple Card. I have been calling their customer service number for the last several months trying to enroll in a long term low interest payment plan for my balance of over {$13000.00} due to recent financial hardship stemming from XXXX, job changes, and loss of savings. I have been able to enroll in similar plans with every single other one of my other credit cards except the apple card because they do not engage in 3rd party debt consolidation or settlement programs, therefore, I am limited to dealing with them and them only. When I asked for this plan a few months ago I was first told that I needed my account to be past due in order to be eligible. That occurred on XX/XX/XXXX of this year which I was then informed had to be an additional month past due, which recently occurred on XX/XX/XXXX of this year. At that time, I contacted Goldman Sachs apple card again at their collections department who informed me that I was still not yet eligible for that program and the agents indicated to me that they were not sure why I was not showing as eligible for that program in their system. I spoke to a supervisor named XXXX on Friday who informed me that with the agent should never have given me timeframes on when I would be eligible for this program which the information, I was given ranged from one to three months past due and that he apologized for inconsistent information given by the agents. This supervisor XXXX also told me that I should be eligible for the program I'm seeking, which is a long term low interest plan paid off over a number of years with equal payments however it was not showing up in the system due to some IT error. He informed me that he was making a complaint to the IT department about the issue and that he could not sign me up at that time for the program I desired due to the glitch but to call back in a few days and it should be clarified. I have done so and the next day I called and was told by an agent that the manager named XXXX was likely trying to just relieve my frustration and seemed to invalidate or take back the notion that there was an IT glitch causing this plan I required to not show up in the system from my account. At this point I was flabbergasted with confusion as to why a manager would do such a thing and organized a callback from a supervisor with the agent. This callback never occurred from a supervisor and I have been speaking with two agents recently who kept informing me that the only two options are available for payment plans are short term options including a one month deferral and a six month payment plan which, I informed them would not fulfill my needs. I'm at a loss by all the frustration, inconsistent information, lack of kindness and responsibility taken by Goldman Sachs, and having to put my account into further delinquency because I was told that that was the only way to be eligible for the program that I needed. Agents are now telling me the program I am requesting no longer exists. I am again waiting for another call from a supervisor as we speak.
Product: Checking or savings account

XXXX XXXX joint checking with over XXXXin it. We moved upstate and had our mail going to a XXXX XXXX , social security checks were being direct deposited. Social security stopped the deposits because of lack of address. On Friday XX/XX/30 I went to my citibank branch XXXX XXXX XXXX XXXX Ny XXXX & the lady told me my account was closed. They called the manager and allegedly he said hed mail me a check. They wouldnt tell me who authorized closure, when it was closed. I never received notice to my P.O. BOX of closure. My XXXX went up to dangerous levelsXXXX. I had to leave the bank as I felt myself getting XXXX & I had my wife with me & she has XXXX. I couldnt afford to lose it. I was given a number & told to call In 48hrs. Im dictating this letter to my daughter to submit In case I get worse. I need this bank investigated and I want our money.
Product: Student loan

On XX/XX/year> I received notification from MOHELA that interest will continue to accrue on my loans despite being in forbearance due to the SAVE litigation. I believe MOHELA 's failure to provide clear, understandable information violates consumer protection laws and the servicers obligation to ensure borrowers are fully informed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX  with  National Credit Adjusters  has tried to contact my employer stating she has business with me. The return number is  XXXX  ext  XXXX . I did not authorize them to contact my employer, and I do n't know how they got my employer 's phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I checked my credit profile at approximately XXXX CST and upon viewing my report I noticed erroneous and fraudulent accounts on my profile. The accounts that are not authorized by me are as listed : XXXX XXXX XXXX XXXX  Account number : XXXX amount : {$1700.00} XXXX XXXX XXXX XXXX Account number : XXXX amount : {$1500.00} XXXX XXXX XXXX  Account number : XXXX amount : {$53.00} XXXX XXXX Account number : XXXX amount : {$180.00}
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Failed Account Investigation Violations of XXXX U.S.C. XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX ( b ), XXXX XXXX. XXXX, and TILA ( Truth in Lending Act ) Dear CFPB Representatives, I hope this letter finds you well. I am writing to **file a formal complaint** regarding the investigation of an account that has been incorrectly reported on my credit report. Below is the information needed to identify the account : - Creditor Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX - Date of Late Payment : XXXX I received a notification stating that the account in question had been " verified. '' However, this response did not adequately address the concerns raised in my original request and failed to comply with the legal requirements. 

I am submitting this complaint because I believe the investigation was insufficient and constitutes a violation of the following legal provisions : 1. XXXX U.S.C. XXXX : This law requires information providers to correct or remove inaccurate or incomplete information when notified of a valid dispute. In this case, the information remains incorrect, which constitutes a violation. 

2. XXXX U.S.C. XXXX : Refers to the requirement that credit reporting agencies conduct a reasonable investigation when a consumer disputes information. The investigation performed does not seem to meet this standard. 

3. XXXX U.S.C. XXXX ( b ) ** : Under the XXXX in XXXX XXXX ( XXXX ) **, credit card issuers and creditors are required to provide clear and accurate statements to consumers. I have not received any documentation that meets this requirement regarding the disputed charges. 

4. XXXX U.S.C. XXXX : Requires the creditor to provide an account statement reflecting any disputed charges within a reasonable time frame. To date, this has not occurred. 

5. **Truth in XXXX XXXX ( XXXX ) ** : XXXX XXXX, creditors are required to provide clear and understandable terms and conditions, including details about charges on accounts. The creditor has failed to meet this requirement, hindering my ability to understand the terms of the account and the associated charges.
Product: Student loan

I have called Aidvantage after receiving no communication from them regarding my loans being transferred to them from XXXX. They still have not set up my account and are now handling my refund request according to XXXX. When I called, I was told XXXX is still handling the refund which seems to not be the case, however I still can not log into an Aidvantage account to receive or check on any updates regarding this issue, and the employees do not seem to know what is happening either when I call.
Product: Credit reporting or other personal consumer reports

My account with XXXXXX/XX/XXXXXXXX AND XXXX XX/XX/XXXX XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on Autopay. 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 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 AND XXXX XX/XX/XXXXXXXX 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: Mortgage

my mortgage was sold about 4 years ago lost count of how many times my mortgage was transferred the last one. we had a problem when sandy hurricane got to new york. we had no electricity or place to stay or work for 4 months at that time. the mortgage was not paid the company sens us payment schedule .start from the XXXX of that month. 
we paid the behind sum in 4 months. 
the problem was that they insist on paying the mortgage on the XXXX XXXX and it was impossible the mortgage was sold to shell point, we explained the situation .they had non of it during the last 2 years we accumulate penalty on the payment again we paid the mortgage on time never late just at the end that month after the corona time we had to pay 10 payment in 1 shot or sell the house .they did not want to help, so we did we paid it XXXX $ they want our flash with the penalty that we have no intention to pay please help us. we leave here 35 years we over XXXX years old thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent letters of dispute under section 623 of the FCRA to the companies listed below. The companies had previously " verified '' the validity of these accounts to the credit reporting agencies, and the items remained on my credit report. Section 623 gives consumers the right to dispute inaccurate information on their credit reports directly to the data furnishers, after disputing directly with the credit reporting agencies. All of the companies listed below did not respond to my disputes within the allotted 30 day period per the law. The accounts must now be deleted per the FCRA. As a refresher section 623 of the FCRA states in part the following : " DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. '' It goes on to say " ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and '' The companies below have failed to follow the law as written. If these accounts are not deleted I will be forced to seek legal remedy under the FCRA. 

The companies in question are the following : XXXX XXXX : Partial Account # XXXX XXXX XXXX XXXX : Partial Account # XXXX XXXX XXXX : Partial Account # XXXX Attachments : Letters sent to each company Tracking information Proof of signature from each company
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX   XXXX****, XXXX XXXX  XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX   XXXX XXXX****, XXXX XXXX****, XXXX   XXXX****, XXXX XXXX**** and XXXX  XXXX****