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

This correspondence serves as a formal follow-up to Complaint # XXXX, filed on XX/XX/2024, which disputed the accuracy of the information in my Experian credit report about a XXXX account ( Account # XXXX ). Experian responded to my complaint by asserting that they had verified the XXXX account as mine and subsequently declined to remove the account from my credit report. However, they failed to provide any supporting documentation, specifically an original contract bearing my wet-ink signature, as required by FCRA regulations XXXX Experian 's failure to furnish the documentation raises serious concerns regarding the validity of their verification process. In light of this, I am formally requesting that Experian provide detailed information regarding the verification of the XXXX account, including but not limited to : 1 ) Copies of any documents utilized for verification, such as contracts or applications, containing my signature. Documentation of any communication attempts with me regarding the account, such as phone calls or emails. 2 ) Identification of the individual who verified the account : Please provide the name, title, and department of the Experian employee who reviewed and confirmed the account 's accuracy with an attestation letter ... Per FCRA 611 ( a ) ( 5 ) ( A ) ( i ), if Experian can not provide the required documentation mandated by law, I demand that they promptly delete the XXXX account from my credit report. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure compliance with FCRA regulations. Your intervention is crucial in safeguarding consumers ' rights and holding Experian accountable for their failure to provide proper verification methods.
Product: Credit reporting or other personal consumer reports

Experian, Equifax, and Transunion have not provided my any written consent of instructions to furnish account without written instruction such as inquries and late payments according to FCRA 15 USC 1681 section 604a section 2. they have violated my right to privacy according to FCRA 15 USC 1681 section 602. I demand all late payments be remove and Inquries be removed and a XXXX dollars per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account from XXXX XXXX XXXX that is reporting as an unsecured loan to my credit report which I never received from them. XXXX is reporting this loan despite the many disputes and fraud packet that I have sent to clarify that this is a fraudulent account. Experian has deleted the account for fraud before but has now re-inserted the information back to my credit report. Both CRA state that they received information from XXXX XXXX XXXX which says that the loan is mine but refuse to forward the information to me the consumer. XXXX XXXX XXXX does not have any promissory note for me with my signature for a loan. Also, a fraudulent address is on my credit report and both XXXX and Experian won't remove the fraudulent address from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from all three credit reporting agency about late payments from XXXX till XXXX. I have sent in my payments on this account. Someone is not updating accounts to reflect the correct amount due on CPS that has the same amount supplied to the three credit reporting agency.
Product: Credit card

I got new internet service in XXXX at XXXX XXXX In XXXX I paid on line XXXX Baht ( XXXX $ ) I was told when I had no service that I had to go to XXXX XXXX and pay CASH ONLY for this service I did and no refund was given for on line payment
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the inquires XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting

My payments are not being recorded even though I sent them direct proof that the payments were made, directly from the creditor 's accounting dept. The credit bureau claims, in a letter they sent me, they do not change or add to my credit report file no matter what. 
I was told different by your organization.I did all you told me to do and it made no effect at all.
Product: Debt collection

Hello, I discovered on my credit report that a collection debt was listed under CREDIT COLLECTION SERVICE ( CCS XXXX XXXX XXXX XXXX, XXXX, MA XXXX ) for the amount {$300.00}. I never received written or electronic debt notice informing me of the debt and why I now have this debt. I only discovered the collection account once I viewed my credit report. I was never told by CCS that I have 30 days to dispute the debt. Once the debt was discovered, I informed CCS that the debt did not belong to me and disputed the account on XX/XX/XXXX. I was told once the debt was paid it would be removed from reporting. During that time, I requested validation of the debt and still have not received that validation as of XX/XX/XXXX. 

I kindly request that the debt and collection account be permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, this agency has failed to properly investigate and correct this error. The inaccurate information has had a significant adverse impact on my creditworthiness, leading to negative consequences, such as being denied credit, facing higher interest rates, and unable to secure housing due to this negligence. This matter has been brought to this company 's attention over the past several months. I have sent in over XXXX different letters starting from XX/XX/XXXX up until the present day making this company aware of this inaccurate reporting. I read somewhere that I am entitled to a fair and accurate credit report. Now, I am no lawyer but I have done a little research, and it appears that based on the Fair and Accurate Transactions Act that violations are done when organizations fail to comply with its requirements. In fact, based on what I read, section XXXX explains that violations tend to occur after a consumer bring the inaccuracy to the agency, such as XXXX, XXXX, and Transunion attention but they fail to correct the inaccuracies after receiving a dispute from the actual consumer. Well, this matter has been brought to Transunion attention on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently XX/XX/XXXX Now, once again, I am definitely no lawyer, but I do have common sense. I have sent this agency letter after letter making them aware of this inaccurate reporting. None of the bureaus have the same information. So, how can information be accurate if the same account that is being reported is being reported with different information. Once bureau is reporting an open account while the other is reporting a close account. One bureau is reporting a 120 days late while the other bureau is reporting a collection/charge off for the same account. Does this sound like accurate reporting to you? I am requesting that the following accounts are deleted immediately due to inaccurate reporting and due to the violations that the credit bureaus has participated in by neglecting to correct the information. 

XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am being charged late fees for a negative balance on top of the {$110.00} negative balance fee which is more than I was originally negative, they wont work with me and I am at a lost for wages due to covid-19 and with the additional fees added it really put me in a bind. 5/3 bank will not remove the fees I asked to remove so I could resolve my issue and are now adding more fees. I believe they are doing this to get more money out of someone who is struggling to make ends meet. I also believe the fees they are adding are coming at a perfect time due to the stimulus package going into effect. My thing is why not help your customers why are you robbing the poor, I obviously dont have the money, I had the same issue on XXXX Day were I was charged a negative fee, They are the true definition of the XXXX.
Product: Credit card or prepaid card

I had an existing credit account with Chase and logged in online to confirm a XXXX   balance. In my account there was a notification that I was already approved for a Chase Freedom rewards card, not pre-approved, already approved. This offered {$200.00} cash back if you spent {$500.00} in the first three months and 1.5 % back on all purchases. Wow! 

I confirmed my address and my current salary and received confirmation that I was approved! Huh, approved for the account I was already approved for? Also received immediate notification of a new credit inquiry on my credit report. I immediately called Chase and complained. They refused to remove the credit inquiry verbally explaining to me that initial notification of approval is based on a soft credit inquiry performed by them XXXX without my consent ), that it was a pre-approval. In good faith, I acted on information provided to me by a company that I had an existing account with, information that was a lie. I was not already approved, I was pre-approved. I was so upset that I cancelled the new account and my existing account immediately. 

My dispute is the using of deceptive advertising practices in my existing account to lure me into making an uniformed decision that negatively impacts my credit score with a newly opened account and credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with COMENITY BANK/AVENUE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything. Ive never been behind on my payment. I tried contacting the XXXX XXXX XXXX  and XXXX Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against RoundPoint Mortgage Servicing Corporation due to a series of ongoing issues since my mortgage was transferred to them. Despite making all my payments on time and without issue for years, I have encountered several problems with RoundPoints handling of my mortgage payments, which have now escalated to an unjust late fee.

The issue began when RoundPoint charged me fees without any clear reason. Most recently, they returned a payment check I mailed to the address I have been using for all prior paymentsan address that had been accepted without issue until now. This time, however, they rejected my payment, returned it to the bank, and charged me a late fee. I have also made further payments to Roundpoint Mortgage, however payments are not being appropriately credited to my account.

I provided RoundPoint with clear proof, including a copy of my check and bank records, demonstrating that my payment was delivered on time. After numerous calls to their customer service, I have received inconsistent and conflicting information. Despite my providing all necessary documentation, RoundPoint has failed to acknowledge or resolve the issue. 

I am formally requesting that the late fee be removed from my account, as this is a result of their mismanagement and not due to any negligence on my part. Based on their many negative reviews and a dismal rating of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX website, it is evident that I am not alone in experiencing such problems. 

This pattern of poor service and disregard for customers concerns reflects badly on RoundPoint, and I urge the Consumer Financial Protection Bureau to intervene and help address this matter. 

I appreciate your assistance in resolving this issue. 

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

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit report online. I was denied stating it needed to be done via mail. I printed, completed, and sent the requested form along with my ID and proof of residence as requested. I received a letter back stating I was not entitled to receive a free credit report because I had already received one, which is not true or accurate. I requested my report from all three credit bureaus at the same time and date, only one of which complied with this request and gave me my free report  online. I go through this with this credit reporting agency every year and I believe it is because I write several complaints asking them to correct my credit report because they have a very regular habit of reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor. 
XXXX. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX XXXX ACCOUNT
Product: Credit reporting

I have submitted documentation on numerous occasions to have an item that does not belong to me removed. The credit bureaus are only going by what the company states and not looking at the facts. If a company can not verify my account by my birth date because they have a different birth date on file than this is proof enough that this is not my account and may have been opened fraudulently.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows 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 For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I found out in XXXX that I had being payment a high car insurance bill because Lexis Nexis has on a report that I had to insurance claim in XXXX from XXXX. The claims are dated XX/XX/XXXX for 2 cars, a XXXX XXXX XXXX ( XXXX XXXX ), which was submerged in the flood of Hurricane Harvey. The other claim for dated XX/XX/XXXX is for a XXXX XXXX XXXX XXXX which I have never owned a XXXX XXXX XXXX in my life. The claim numbers are XXXX & XXXX. I never could understand how my full coverage insurance cost went from {$98.00} per month to {$300.00} per month. Everytime I asked an insurance company why my insurance was so high, they would just tell me that the cost of insurance has increased, until a representative from an online insurance company told me I had 2 claims and that is why the quote she gave me was so expensive. I have tried to get this matter resolved for 2 months and now I am faced with getting on liability insurance until this is resolved because I can't afford the insurance I have been struggling to pay for the past 2 years.
Product: Debt collection

During the phone call from Credit Management on XXXX I notified them that debt to XXXX  was not due and gave info from XXXX  to confirm. After another call from Credit Management, I informed them on XXXX that I did not owe the debt and gave the information from XXXX  to confirm this. On XXXX I received a bill from Credit Management attempting to collect the same debt. On XXXX I sent a certified letter to Credit Management regarding the debt they have been attempting to collect and that I did not owe the debt and requested proof that I owed the debt. Postal service verified letter was given to an individual on XXXX at Credit Management in XXXX Texas. I have received no correspondence from Credit Management. On XXXX I received phone message from Credit Management to call them to prevent legal action. That number was XXXX. The original debt came from XXXX. I have XXXX  confirmation ticket number XXXX from XXXX confirming account corrected. XXXX  apologetic account was not closed properly as I did return the equipment on XXXX, ticket # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The fair Credit be Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A section 2 It also states A consumer reporting agency Can Not furnish A account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open Consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX ), XXXX XXXX  ( account # XXXX, and account # XXXX ) have violated my rights. 
15 U.S. 1681 section 602 A states I have the right for privacy.

15 U.S, c1681 section 2 : it also says a consumer reporting agency can not furnish an account without my written instructions.