23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, I am writing to file a formal complaint concerning unresolved unauthorized hard inquiries on my credit report with TransUnion and XXXX. Despite my sincere efforts to rectify this issue, the credit bureaus have mistakenly assumed that the requests were made by a third party, leading to a lack of correction. 

On XX/XX/2023, I sent certified letters to both TransUnion and XXXX, explicitly requesting the removal of unauthorized hard inquiries from my credit report. The envelopes were hand-written, bearing my return address, also handwritten by me, and mailed from my local USPS office , along with a copy of my DL, clearly indicating that the requests originated from me as the account holder. 

However, to my dismay, the correspondence I received in response stated that no errors were corrected because it appeared as if the request came from a third party. This is deeply concerning, as I took every precaution to ensure the legitimacy of the requests, and I have legitimate concerns about my credit report accuracy. 

I kindly request your immediate intervention in this matter. I believe that there might have been a misunderstanding or mishandling of my letters by TransUnion and XXXX, resulting in an incorrect assessment of the situation. 

Enclosed with this complaint are copies of the original letters sent to both credit bureaus, along with the certified mail receipts, which serve as irrefutable evidence of my genuine attempt to resolve the unauthorized hard inquiries. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and facilitate the prompt removal of the unauthorized hard inquiries from my credit report. It is crucial to ensure that the credit bureaus adhere to the Fair Credit Reporting Act ( FCRA ) and accurately represent the information provided by consumers. 

Thank you for your attention to this pressing issue. I am eager to see a swift resolution to this matter and regain the accurate credit report representation I am entitled to as a responsible borrower.
Product: Debt collection

I found out the other day AMCA -- American Medical Collection Agency -- has reported a debt to my credit report. I had never received any communication ( telephone or written ) about this debt from AMCA so I had no idea about it nor did I know I could dispute it. I only found out because my wife and I are attempting to get a mortgage for a new home and this showed up on my credit report.
I contacted them about this and they are refusing to remove this from my credit report. I asked for a copy of any bill/information about the original debt and they said they can only mail it via US Mail. This is fine, however, since they claim to have mailed it previously -- and I never received it -- I do n't know whether I 'll actually receive anything from them ( yes, we confirmed my address with them ). Since the mortgage is a time-sensitive issue, I 'd like to have this removed from my report while I await any communications from them.
I have no problem paying the debt -- if it 's truly my debt -- but I do n't believe I should pay for it without any documentation and I do n't believe my credit should be negatively-affected due to me never receiving any communication from them previously.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I reported. 
Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following accounts since XX/XX/2020 and the credit bureaus have verified them and in response, I have requested proof of verification and they have ignored my requests multiple times. They are verifying the accounts but still have plenty of errors which is severely hurting my credit score. I know my rights as a consumer is being severely violated and if this is not rectified, I am not beyond litigation. I have attached a copy of my report which you can clearly see all the errors within each account in question along with the last three letters to each credit bureaus I sent via Certified Mail ( including tracking number that confirms the credit bureaus received my letters ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

Cavalry Portfolio service had put a debt collection on my credit not once but two time for two different amount for XXXX. Now I only had one account with XXXX years ago, which has be written off and has been removed from my credit report by XXXX!! I think it was 2 years ago. Cavalry portfolio service has put on my credit 2 times a debt from XXXX for 2 different amount!! One for {$2100.00} and one for {$1200.00}. I only had one account with XXXX!!! Years ago and again XXXX has removed everything about them from my credit years ago. Thank you for any help to resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX {$1000.00} XX/XX/2020 XXXX XXXX XXXX  # XXXX {$400.00} XX/XX/2020 THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY
Product: Credit reporting or other personal consumer reports

In accordance with 15USC 1681 ( a ) ( 4 ) my rights have been violated. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Product: Debt collection

I had XXXX XXXX service and always paid my bill but i found a more economical way with XXXX XXXX XXXX, then i called XXXX XXXX  to cancel my service, they told me to mailed the equipment back to them which i did through XXXX But later got a bill saying i have a balance for the tv equipment that wasn't return, even though i told them that a have the receipt, still they proceed to charge me {$470.00}, they also say included in the payment was a fee of {$140.00} below is whats on my credit report. 

SEQUIUM Collections Its important that you try your best not to fall behind on payments so your account doesnt get passed on to a collections agency. This usually drops your credit score significantly. 
SEQUIUM Reported : XX/XX/2023 {$470.00} Outstanding * Payment historyNo history is available * Monthly Payment Amount $ XXXX Source TypeCurrent RatingCollection/Charge-off * Account detailsAccount XXXX OpenedJul XXXX, XXXX ActivityDec XXXX, XXXX XXXX XXXXStatusOpenTypeIndividualHigh Balance $ XXXX Balance $ XXXX Adverse RatingCollection/Charge-offMost Recent Adverse RatingCollection/Charge-offCommentsAccount Information Disputed By Consumer * Collection agencySEQUIUMAccount XXXX
Product: Credit card or prepaid card

This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.
Product: Credit reporting or other personal consumer reports

They wont remove any of the inaccuracies in my credit report I sent over five letters three times and nothing has changed
Product: Mortgage

On XX/XX/2019, we started an application process with Bank of America for a new home for our son. We agreed to be cosigners on the account. We are "preferred" customers with them because we also have our investments with Merrill Lynch.There was no realtor involved. We were buying the house from a friend/ neighbor.The signed contract was sent to the bank on XX/XX/2019. A flurry of activity occurred for other papers to be signed and all were done and sent back to the bank by XX/XX/XXXX.Mortgage commitment was given on XX/XX/XXXX.Closure disclosure papers were given on XX/XX/2019. Which by now  was way too long. We thought the closing was going to take place before this and the house has been vacant since XXXX weekend. The rate lock ran out on XX/XX/XXXX and they have extended it at no cost to us until XX/XX/XXXX which is this Friday. We are still waiting to close. I have been told that it has been escalated to management. I have threatened to remove our money.  I have threatened to go to another bank to get the mortgage... all has fallen on deaf ears.The really sad part all of this is that we have enough money in this bank to almost pay for the house outright and still are being treated like this.The mortgage dept is in XXXX and the processing and underwriter is in XXXX and this is where the problem lies. They do not communicate. I just sent back a document to the mortgage dept for a 4th time.I feel frustrated. We look foolish to our friend and my son still is not in this house. This experience has been absolutely horrible.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of this account. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the following account listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$68000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to dispute a late mortgage payment from XX/XX/2015, a XXXX card and XXXX   card all from the end of XX/XX/2015.

I made these payments through the Bank of America portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact Bank of America and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure Bank of America records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$580.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Balance : {$500.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$850.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$440.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX  on XX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion investigation did not fix error
Product: Credit reporting or other personal consumer reports

The lack of evidence to support this account 's reliability and the spread of unverified information clearly violate the requirements of 15 USC 1681i ( 7 ). This non-compliance is both concerning and frustrating, given the importance of following legal obligations.

I urge the immediate removal of this account under the specified regulations unless verifiable evidence is provided to confirm its authenticity. Delaying action only adds to the frustration caused by the failure to adhere to regulatory standards and ensure fairness and accuracy.
Product: Credit card or prepaid card

Summary of dispute : On XX/XX/2020, our Chase credit card was stolen while vacationing in XXXX, along with somehow learning our PIN, then within a few minutes, used by the thief for two cash advances totaling {$1400.00}. The theft was reported by telephone within 30 minutes of the theft to Chase, and again we spoke with another representative within an hour. On both occasions, the Chase representatives assured us that we would not be responsible for payment for the cash advances. 

Then, despite six attempts to resolve this issue with Chase via email and by submission of affidavits, Chase insists on holding us responsible for the two cash advances plus interest accrued. We also offered to negotiate a reduced payment, but again to no avail. 

CFPB, we appreciate any help that you may provide us. Regardless, we would like to prevent future Chase customers being treated in a manner that we feel is fraudulent and not compliant with federal financial protection law.
Product: Debt collection

FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX, MD XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FAIR COLLECTIONS & O acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED. 

XXXX XXXX Date XXXX Balance : {$550000.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00}XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$4900.00}, XXXX XXXX Date XXXX Balance : {$8200.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$4500.00}
Product: Student loan

On XX/XX/2019 I was instructed by my school to fill out an apllication for the SFCA to receive loans for the last remainding balance of my tuition. The loans amounts that I was applying for were for XXXX, XXXX and XXXX. On XX/XX/2019, I received an email thanking me for submitting my application and but they need a few items from me. I needed to mail them my past two tax returns, two of my recent paystubs and a copy of my i.d . On XX/XX/2019, I received an email that my appication had been approved and the need me to sign the Master Primissory Note ( MPN ) and I had 30 days to do it. On XX/XX/2019, I received an email stating that they had received my MPN and had been accepted. I was told in the email that I would not receive the funds personally but they would be givent o my school directly. On XX/XX/2019, I graduated the XXXX XXXX XXXX School and was awaiting my XXXX which I would get a month after my graduation date. I had no reason to worry about my balance since the loan company was sending the money directly to my school. On XX/XX/2019, I received an email from the SFCA telling me that upon futher review that I was denied the loan. I was given no futher information, other than to contact my school to set up payment plan. I was completely devasted. I was counting on this money to pay the balance of my tuition. On XX/XX/2019, I emailed the SFCA and asking them why I was accepted and later denied my loan. I received nothing back from them. I tried contacting my school since they where the ones who recommended this loan company to me but they offered no further information and just told me to set up a payment plan to pay them the remainder of my balance. I talked to a family friend who has some information about loans and he told me that it was weird that I was approved and then denied the loan without any reason. He has tried to contact this company and he has even left several messages with them but they have not called back. I have even attempted to call them and they have not returned my phone call. The only information I get from the school is that in the passed eight years of working with this company they have never had this happen and that several students were accepted and then later denied the loan without any reason. I just feel like I have been played and maybe this was all a scam. This concerns me because they have my information. It also worries me because my school isn't trying to help me get to the bottom of this. I only went with this company because they assured me that they worked with them before and that they help students who in real fiancial need.
Product: Debt collection

It is with great concern that I note your bureau 's insistence on reporting these accounts as accurate, despite a lack of sufficient evidence to support such claims. This raises serious doubts about the veracity of the reported information and its compliance with the Fair Credit Reporting Act ( FCRA ). I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I must emphasize that the burden of proof lies with the credit reporting agencies to substantiate the accuracy of the information they report. In the case of the late payment accounts in question, I have yet to receive any verifiable evidence confirming the accuracy of the reported late payment dates. The absence of such evidence leads me to question the validity of the reported information and its compliance with the standards set forth by the FCRA. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
In light of the aforementioned concerns, I hereby request the immediate removal of the inaccurate late payment information from my credit report. If there are any discrepancies or lapses in payment, it is imperative that the bureau rectify these inaccuracies promptly. I expect that the bureau will adhere to its responsibility of reporting accurate and up-to-date information, and any failure to do so would be a violation of my rights under the FCRA.