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

Subject : Urgent Dispute of Inaccurate Credit Report Entries Dear Credit Bureau ; cfpb ; I am writing to formally dispute the following inaccurate and invalid entries on my credit report. Despite previous attempts to resolve these discrepancies, including reaching out to the original creditors, I have not received adequate responses or validation. I request that you investigate and remove these entries in compliance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : XXXX XXXX XXXX XXXX 

Account Number : XXXX Type : Collection Amount : {$560.00} XXXX XXXX  Account Number : XXXX Type : Charge-off Amount : {$1000.00} Reason for Dispute : Inaccuracy and Invalidity : The information reported for the above accounts is incomplete, inaccurate, and invalid. Specifically, the reported details such as dates, account names, statuses, and amounts do not match my records. I have requested verification from the original creditors but did not receive any substantive validation or the required 1099-C form.

Failure to Investigate and Respond : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable investigation into disputes and respond within 30-45 days. Your failure to address these disputes or provide a timely response constitutes a violation of this provision.

Relevant FCRA Provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : This section mandates that credit bureaus must conduct a reasonable investigation of the disputed information and respond within 30 days. Failure to comply with this requirement is a violation of the FCRA.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires the credit bureau to delete or correct inaccurate, incomplete, or unverifiable information after a reasonable investigation.

Given the lack of response and validation from the creditors, and your failure to comply with the FCRA requirements, I request the following actions : Immediate Removal : Please remove the inaccurate entries from my credit report within 15 days of receipt of this letter. 

Confirmation : Provide written confirmation of the removal of these entries once processed. 

This matter is urgent, and I trust you will address it promptly to ensure compliance with federal regulations. If these entries are not corrected within the requested timeframe, I will consider escalating this issue other relevant regulatory bodies. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Mortgage

Last year I was over seas and thought my payment were on ACH while I was XXXX. Came back to find out payments had not gone through and now there are late payments on my credit report that is not allowing me to close on a new home. We have already paid this home off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed numerous accounts on my credit report that I did not open. I have listed the accounts them. I have also attached an identity theft report. I have also attached the dispute letter previously sent including documents to verify my identity. 

XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX  XXXX - XXXX
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, 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 the information is inaccurate.
Product: Student loan

The issue first started 6 months after graduation XX/XX/XXXX, when XXXX XXXX XXXX who was the original loaner ) called and sent letters regarding repayments. Since day one, I have been harassed, threatened with legal actions, and my credit has been affect. After many times I explained the poor job market XX/XX/XXXX after the housing bubble collapsed, that my career could not come close to paying variable percentages. The job I had gotten XX/XX/XXXX with a bank laid me off XX/XX/XXXX, ending up with me going on unemployment. 
Luckily I found a lawyer that helped me in filing bankruptcy, but could not dismiss this private student loan. At least XXXX XXXX FINALLY negotiated a lower payment of {$250.00} per month. 
XX/XX/XXXX, I started working again and religiously made those payments. XX/XX/XXXX, I lost my job due to a corporate buyout by way of layoffs. I called Navient, now the loan owner of the private student and federal loans, stating the loss of my job. After a few conversations, they are unable to reduce the payments. Now, after 4 months of being unable to make payments, Navient is threatening to litigate against me. 
This loan is preventing me from getting a vehicle loan, unable to rent and causing problems with getting a new job. 

I have also had a name change, originally XXXX XXXX XXXX, to XXXX XXXX XXXX. 

Attached are information about the current loan balances, Navient 's " let us help you '' letter, and a letter threatening litigation.
Product: Credit reporting

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Product: Debt collection

AvanteUSA placed a collection on my credit report stating that I owe them money for a past due debt purchased by them from a different creditor. I contacted business via mail and requested they validate debt pursuant to 15 USC 1692g. AvanteUSA in response provided insufficient validation and did send requested documents that I am entitled to review. AvanteUSA also violated federal and state law from the Texas Finance Code and the Fair Debt Collections Practice Act, in the notice they sent specifically as it pertains to deceptive and misleading representation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 COMPLIANCE STANDARDS.
Product: Debt collection

In checking my credit history, the company Progressive Management Systems ( Debt Collector ) is continuously falsely reporting a collections account against my name. I contacted the debt collection agency and spoke with three different representatives ( XXXX, XXXX, and Unknown ). The XXXX representative said I owed a debt to XXXX 's XXXX XXXX XXXX in XXXX XXXX, California and the date of service was on XX/XX/2014. In my credit history the collection amount is {$420.00}. I called XXXX 's XXXX 's XXXX to confirm the date of service, and asked how much the debt owed was and who was the guarantor for the bill. The bill reported by the representative from the billing department at XXXX 's XXXX 's XXXX said the guarantor for the bill was for someone else and I was not listed as the guarantor for this bill, which also they stated the original bill amount was for {$310.00}. The XXXX XXXX XXXX is falsely reporting this on my credit history when I was never the guarantor for this bill and refuses to stop reporting this against me, as they are unable to collect the debt from the official guarantor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in dispute with Equifax for almost a year about these fraudulent disputes inquires. They have lied numerous times about receiving my documents when they have received them. The FTC reports are attached to this email. So it's no excuse that they can't remove these inquiries
Product: Mortgage

The lender placed the file in review and did not postpone sale for this review - the lender is in violation of Dual Tracking. The lender also is not allowing the time in which the client has to appeal the decision on the review for loss mitt. The loan was denied on XX/XX/2017 due to not being able to get the pmt to 31 % and it was stated that the LTV was to low to modify the loan - The lender should offer additional options. The property is value is higher than the current loan balance and the lender has not provided how they calculated the LTV - the lender is also in violation of RESPA - We are asserting a violation of the dual tracking provisions of Regulation X sections 1024.41 ( f ), 1024.41 ( g ), or 1024.41 ( j ). We were told today that the sale is still set b/c the lender has " completed review and is now issuing a denial '' - to which we still have no valid reason for nor have our clients been granted an appeal period. The borrower does not yet even have a letter stating such reason for notification of denial. RESPA : ( 2 ) Deadlines. A servicer shall permit a borrower to make an appeal within 14 days after the servicer provides the offer of a loss mitigation option to the borrower pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section. ( g ) Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) The servicer has sent the borrower a notice pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section that the borrower is not eligible for any loss mitigation option and the appeal process in paragraph ( h ) of this section is not applicable, the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied ; Sale date they ( did not postpone during review ) - dual tracking, is less than 14 days away ( appeal period )
Product: Checking or savings account

In the period from XX/XX/XXXX to XX/XX/XXXX, I did not have enough funds to cover some automatic payments, and my account was not enrolled in Overdraft Protection, in fact, when I open the Checking Account, I refused to enroll in Overdraft Protection and asked Wells Fargo to decline every payment when I have not enough funds. However, Wells Fargo went beyond the account agreement and decided to pay them and charge me fees for them even though they were low amounts, for a total of {$170.00} in 5 days. Some of the transactions occurred the same day but they posted in different days so they can apply additional fees. Three of the transactions were lower than the fees they applied, one of them a XXXX $ transaction which they charged {$35.00} fee. 

XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$200.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined ( actually, they declined the following payment on XX/XX/XXXX due a low funds ) XXXX XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX CA XXXX CARD XXXX {$49.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$49.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined. ( actually, they declined the following payment on XX/XX/XXXX due a low funds ) XXXX XX/XX/XXXX BUSINESS TO BUSINESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$30.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$30.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined ( actually, they declined the following payment on XX/XX/XXXX due a low funds ) XXXX XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX CA XXXX CARD XXXX {$19.00} XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$19.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXXXXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$12.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$12.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$35.00} This transaction was not enrolled to overdraft protection, and it should have been declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a car loan early, to XXXX XXXX XXXX XXXX XXXX XXXX, via an online payment ( ACH ) of {$3400.00} approximately, from my XXXX XXXX XXXX checking account on XX/XX/XXXX. Per XXXX XXXX XXXXXXXX ( XXXX XXXX they were noticed by XXXX that an online payment could not exceed {$3000.00}, so a check needed to be sent for the payoff amount. This check was sent on XX/XX/XXXX In the full amount to address and account Number given by XXXX to XXXX. On XX/XX/XXXX, XXXX returned the check to XXXX. XXXX also sent us the car title, indicating the loan was paid in full. Then, XXXX proceeded to bill us, without notice, for 2 months and late fees. We received a negative credit report from XXXX XXXX this weekend and made inquiries. We immediately paid the full balance again ( on XXXX ) via phone call with XXXX, from our XXXX checking account to AHF. XXXX accepted the payment ( now with a larger payoff amount ), removed the late fee, and refused to remove the negative reports they sent to the credit unions without proof from XXXX  of the returned payment. The original XX/XX/XXXX payment receipt and reversal is reflected on the XXXX account online for our account. XXXX worked with us this evening to call XXXX to resolve what happened and get whatever documentation XXXX needed to remove the negative credit report. XXXX refused the call, saying we would need to call another number tomorrow morning for the Customer Service department. At what point does XXXX or XXXX become responsible for fixing our falsely reported credit gap? Also, at what point, does either XXXX institution become responsible for contacting us, as both entities have our home address ( we got the title in XXXX from XXXX to our home address ), our email address ( they have on file ), or our phone number? We are so very frustrated and angry about the number of calls, the bad credit score XXXX drop Of XXXX points XXXX, and still unresolved problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter about XXXX ( XXXX XXXX XXXX XXXX This account does not belong to me. This is fraud. Please remove from my credit report and send me a letter to indicate that it has been removed and my credit report has been reflected that it has been removed. I am tired of having to contact you over and over when you are aware of the fraud. 

Please also remove these inquires as I did not grant anyone permission to access my credit, did not apply for credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove these addresses that do not belong to me, I have never lived at any of these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please also remove all employment information as I am not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent EQUIFAX credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. In addition, I did not give you EQUIFAX permission to furnish this information onto my credit report. This is a clear violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my rights to privacy Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. I also demand you, EQUIFAX, to produce a contract between you and I, consumer, bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611.

My contact information is listed above.

Sincerely, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserve
Product: Credit card

I filled fraud claim for 2 charges from XXXX XXXX XXXX XXXX for {$230.00} and {$160.00}. I did not do these charges. these are fraud on my account when my card was stolen. the charges have not been taken off my account and i have not received any letters about the fraud claim being approved or denied.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ) I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section XXXX ( b ) of the Fair Credit Billing Act ( 15 U.S.C. 1666b ). I have never been late on payments for the account : ( XXXX  ) ( XXXX ) I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled. 
Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. 
Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 an 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 space 15 U.S.C.1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I filed a complaint against Kia Motor Finance ( KMF ) also doing business as a part of Hyundai Capital America. Please refer to CFPB complaint XXXX. As a resolve to that complaint, I requested the following : " I need KMF to correct the error to my account to show {$0.00} balance, correct any erroneous information reported to the credit bureau ( s ), and send me documentation designating this account has been paid in full along with the title to the vehicle. '' KMF did NOT correct the erroneous information reported to the credit bureau ( s )  which caused my credit score to drop 93 points from XXXX to XXXX. I have filed a dispute with XXXX. However, the onus should be placed on KMF to correct the messes they have created. I should NOT be required to file disputes with all those to whom they have reported erroneous information, especially since I have no idea to whom that may be. I just happened to have the XXXX  account and received notice of the error. 

Please help, again. 

Thank you!