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

I am writing to escalate my dispute of the late payments/charged-off account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple previous disputes, this account continues to appear on my credit report as " verified. '' However, I have reason to believe that the information being reported is either inaccurate, incomplete, or unverifiable, and I demand a more thorough investigation as per my rights under the Fair Credit Reporting Act ( FCRA ). 

Dispute History : I disputed the accuracy of this charged-off account, but it was verified without substantial verification or any supporting documentation. I have since filed additional disputes all of which have resulted in the same verification outcome without addressing the inaccuracies I have raised. 

Specific Issues : Failure to Provide Adequate Verification : The FCRA requires that all disputed information be thoroughly investigated and verified. I demand proof that the creditor has provided full and complete documentation to support the charge-off status. Simply verifying this information electronically without validating it with original records is insufficient and violates the FCRA. 

Inaccurate Reporting of Payment History/Balance/Delinquency Date : The information reported regarding the payment history, balance, or delinquency date does not match my records. If these details can not be confirmed by the creditor with supporting evidence, they must be corrected or removed from my credit report. 

Potential FCRA Violation : If the credit bureau or creditor can not provide accurate and complete documentation to verify this charge-off, you are required by law to remove it from my credit report. Continuing to report this inaccurate or unverifiable information may be a violation of my rights under the FCRA.

Action Requested : In light of the ongoing inaccuracies and incomplete verifications, I am formally requesting the following actions be taken immediately : A full re-investigation of this charged-off account, including the provision of concrete, written evidence from the creditor, such as original account documents that prove the accuracy of the reported information.

Removal of this charged-off account if the investigation reveals that the information is unverifiable, incomplete, or incorrect.

A detailed written explanation of how this information was verified, including the specific steps taken to investigate my dispute and the documents relied upon for verification.

Further Action : If this issue is not resolved, I may consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursue legal action for violations of my rights under the FCRA and FDCPA. I trust you will handle this matter promptly and in compliance with federal law. 

Enclosed are copies of relevant documents supporting my dispute, including a copy of my credit report with the disputed account highlighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of credit reporting agencies. This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.
Product: Debt collection

I have emailed Navient over XXXX times and havent received 1 single direct response. They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my complaint ) and XXXX that ignores 2 important points. There was an additional point but I know Navient will admit that they lied to a 3rd party for legal reasons. 

Now XXXX at XXXX is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which they were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. XXXX is also ok with them not directly answering the 3 points I have been trying to get directly addressed for months! Its not rocket science simply directly and specifically address my points I need the following directly answered : 2 ) Because Navient is the original creditor they can contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW Navient contacts me and they refuse to acknowledge it and confirm that Email and my XXXX XXXX only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with 3rd parties 3 ) Navient ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.
Product: Mortgage

Quicken Loans lifted the finance contingency on a home purchase, later reniging on the financing stating that debt to income ratio was an issue because of the potential monthly payment for student loans. Quicken Loans stated that I would need a consigner or to pay off my car loan at {$12000.00}. All debt obligations were visable and known at the pre approval stage prior to underwriting the loan. Due to the finance contingency being lifted Quicken Loans states that I stated that my student loans were in deferment while they were in forbearance. This is absolutely untrue, again all debt obligations were visable in the credit report. I was a recent college graduate as of XX/XX/XXXX this loan process began XX/XX/XXXX, repayment for my student loans would not be requested until XX/XX/XXXX, in which at that time a deferment could be requested. The home being purchased was a to be built with construction complete XX/XX/XXXX. Quicken Loans has caused me embarrassment, emotional distress, and cost me {$540.00}, as I lost half of my {$1000.00} in earnest money and about XXXX % of the {$400.00} in good faith provided to Quicken Loans.
Product: Checking or savings account

I'm filing a complaint today with CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other deposits. Capital one has stated " technical issues ''. Which may Violate Electronic Funds Transfer Act [ EFTA ], as it requires timely access to my funds. This situation has raised concerns about customer protection laws, and I request your assistance in investigating this matter to insure my right are being upheld. Thank you
Product: Credit reporting or other personal consumer reports

I regret to inform you that the fraudulent items remain unresolved. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. Despite my prior attempts to address this issue, The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. 

Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately investigate and remove all fraudulent items from my account. 
Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. 
Confirm in writing that the fraudulent items have been removed and my account has been corrected. 
I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The school referred me to the lender. After obtaining the loan my school closed. I 'm upset because I was indigent at the time and they required my grandfather to co sign. I am unable to apply additional payments and by the time I pay it off it will be more than XXXX paid on a XXXX loan. I have been unable to work out anything with the lender other than a deferment. Private loan through Granite state management and the lender continues to contact my family members and cosigner even though my payments are on time and up to date. It is all very upsetting to my elderly grandfather/co signer. My payments keep going up also and it is a tree loan which we were unaware of. The interest is ridiculous and the loan was misrepresented.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks.
Product: Debt collection

In XXXX XXXX XXXX it was requested that the lease be transferred over to another party. The lease was never transferred and the other party that left the residence left in XXXX XXXX XXXX. At that time the amount owed was left to me for the termination of the lease which amounted to the equivalent of 1 month 's rents, {$1000.00}. 

The Account with National Credit Systems ( the Debt collector in dispute ) was opened in XXXX XXXX XXXX. 

XX/XX/XXXX : I disputed the account for accuracy with XXXX as the amount of {$7400.00} should not be the amount owed. The dispute was closed XXXX does not provide the date in which the initial dispute was closed. 

XX/XX/XXXX : another dispute was entered after learning the management company for the apartment I live had changed. I requested the lease agreement and the official move out date and was not able to obtain that. I then contacted National Credit systems the same day to obtain an Itemized statement of what was showing that is owed since I was unable to get that from the place that I rented, I was told that they do not have the original copy of the lease. 

XX/XX/XXXX : I contacted National credit systems again requesting some sort of explanation of the charges since I am absolutely positive the amount that I have been charged is not accurate. I was given the Itemized amounts owed over the phone and was told that I could log in to view the ITEMIZED amount of what was owed. Once Logged in I was only able to see the total amount owed, I was not able to view Itemized amounts owed Like I was told I would be able to. The explanation I was given over the phone was given in Approximate amounts.

{$2100.00} for back rent {$690.00} for late fees {$4100.00} for termination of lease fees.

{$100.00} Cleaning fee as mentioned earlier. the amount that I was told by the property management company back in XXXX was {$1000.00} for termination of lease. National credit systems was not able to provide explanation or documentation showing the reason for the difference in charges since they never received a copy of the lease in the first place when the account was opened.

I will attach a screencap of what I was able to see on the Debt Collectors website.
Product: Debt collection

XXXX provided XXXX that it guarantee fraud protections with its cards to prevent theft. Charges start to appear on account that ws suppose to be closed. I had asked for proper documentation to dispute debt. But in XX/XX/2019 FTC filed complaint about it fraud protection and other practices that are illegal in federal court Case 1:19-cv-05727-ELR. I have the complaint form to this document I will provide. I had informed the company these charges are not mine and I am disputing them. No form ever arrived or with various communications with the company XXXX nothing ever arrive. I am party in the lawsuit being a client the company XXXX has sent this account collections D & A Services LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Violating court order while proceeding are on going. No attempt shall be made to collect any debts until settlement is determine in the case filings. But yet I still receiving such letters even provided the complaint to agency tell them to stop harassing behavior and I infomed them next step is lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, This my final warning that have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them.

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate , but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point, I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion.

Thank you,
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Update to Open/Never late 3. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.

4. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 

5. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXccount Number : XXXX  Update to Open/Never late 9. there is some inaccurate information reporting XXXX XXXX XXXX Account Number XXXX XXXX Delete from my credit report.

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CO NSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Mortgage

I have been  trying for several years for help the last time Wells Fargo helped the lady went up on my years and on my payments so that sure did not help me. I was told take this or get out of my home by a lady at Wells Fargo when I  had hired someone to help me and the lady at the law firm said she had never heard such. But I was told to take this with higher payments or get out. Now they are trying to foreclose on me and I have begged for help and I am underw ater by 50.000 or  more and they rather loose all that than give a lower rate.Just dont understand why they rather foreclose than help me stay in my home. thanks  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to LendKey on  XXXX   XXXX ,    2017  about an unauthorized inquiry on my   XXXX   credit report from their company. I suspect this is fraud. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for credit from them. I have not heard back from them yet.
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, NM ) for failing to return my security deposit and falsely reporting a debt to a collection agency. 

On XX/XX/year>, I moved out of XXXX XXXX XXXX XXXX XXXX I had provided a written XXXX notice and paid all required fees, including XXXX rent and an early termination fee. I cleaned the apartment and returned the keys as instructed on XX/XX/XXXX. 
After moving out, I did not receive my {$300.00} security deposit or an itemized statement within the legally required 30 days. On XX/XX/XXXX, I received an email from National Credit Systems, a collection agency, claiming I owed {$580.00} ( {$510.00} in rent and a {$69.00} late fee ). The landlord incorrectly recorded my move-out date as XX/XX/XXXX instead of XX/XX/XXXX. 
The landlord applied my security deposit to cover alleged XXXX rent and sent the remaining balance to collections. This has negatively impacted my credit score. 

I contacted XXXX XXXX manager by phone, who claimed to have " created a ticket '' but never followed up. 
I sent a demand letter on XX/XX/year>, with a XXXX deadline, via USPS certified mail. XXXX XXXXXXXX received this letter but did not respond. 
I have filed a dispute on the National Credit Systems website regarding the alleged debt. 
I have filed disputes with XXXX and XXXX regarding the collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed several fraudulent accounts that are reporting. Please help me with this matter because it is affecting my ability to purchase a home tremendously. The accounts are showing as XXXX, XXXX XXXX XXXX and XXXX XXXX as well none of which I have ever done business with. I did not authorize any of these companies to run my credit or inquired with them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the company related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. Please update the account : XXXX XXXXXXXX
Product: Credit card

Subject : Complaint Regarding Recent Credit Application Decision for American Express Gold Card Dear Consumer Financial Protection Bureau, I am writing to express my deep concerns regarding the recent decision on my credit application for the American Express Gold Card. I am the applicant in question, and I am reaching out to seek assistance in addressing what I perceive to be a violation of my rights under the Equal Credit Opportunity Act. 

Believing in the fairness and integrity of the credit application process, I submitted my application along with my social security number, fully expecting a favorable consideration. However, to my dismay, my application was summarily denied. 

I wish to bring your attention to the Equal Credit Opportunity Act, as outlined in 15 U.S.C. 1691c, which stipulates that adverse actions in credit applications must adhere to specific legal standards, potentially resulting in civil liabilities under U.S.C. 1692k. Furthermore, the non-issuance of credit despite my application in good faith raises concerns under 15 U.S. Code 1642, U.S.C. 1681m, and 12 CFR 1002.

The use of my personal information without any corresponding credit extension is disconcerting. To resolve this matter effectively and to uphold the values of American Express, I propose the reconsideration and approval of my application for the American Express Gold Card. Such a gesture would not only address my concerns but also reflect positively on American Express 's commitment to equitable practices. 

I kindly request your intervention in ensuring that the credit decision on my application aligns with the legal standards set forth in the relevant statutes. I am looking forward to a prompt and favorable response. For any further communication, you may contact me via email or phone. 

Thank you for your attention to this matter. 

Sincerely, A worried consumer.
Product: Credit reporting or other personal consumer reports

am a XXXXXXXX XXXX who has had fraud committed against me as a result i had to file for bankruptcy. This included a XXXX XXXX account and now a new account has popped up that i did not open. i filed for bankruptcy and they settled it on XX/XX/XXXX. They are not saying i opened an account ending in XXXX in the amount of {$500.00}. they stated I opened it on XX/XX/XXXX and charged off XX/XX/XXXX. i tried to dispute it but they won't take it off and this is stopping me from getting my loan going for a house with the va.