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

I submitted a dispute on XX/XX/XXXX via online dispute process in order to dispute 8 hard inquiries that are being reported on my credit report. The request that I submitted included 8 Hard Inquiries that were not factual and I received the same response for ALL inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report could display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. the following inquiries i need removed below i have included the dates according to XXXX XXXX confirmation number from original dispute XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting

I sent a letter to Experain disputing an inaccurate address information currently being reported on my personal credit report as inaccurate and erroneous on XXXX XXXX, 2016 certified mail, return receipt requested. I received notice in the mail that you received the dispute XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and I have not received a response from Experian. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If Experian can not LEGALLY VALIDATE the information within the 30 day time period, Experian must delete all of the disputed accounts from my report. Experian must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names address and accounts not mine filed to FTC XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$440.00} Date XX/XX/XXXXDispute XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$450.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/NELNET XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XX/XX/XXXXDispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT XXXX XXXX XXXX XXXX; I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX  while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/2019, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly DELETE XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX   XXXX XXXX  XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX   XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX  XXXX XXXX   XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX
Product: Credit card or prepaid card

Had several late charges from Barclays credit card and was unsure as to how and why these were being applied. Discovered today that Barclays converts the paper check to an electronic check, submits it to my bank for electronic payment and after the check is paid they then credit the account with a payment, along with a late fee. Most recent payment was due Saturday, XX/XX/2021 and an electronic request for payment was submitted to my bank at XXXX XXXX., Monday, XX/XX/2021. Speaking with Barclays this morning ( XX/XX/XXXX ), while there is a payment pending to Barclays with my bank, they are indicating that they have not received a payment from me and have not credited my account with the payment. In order for Barclays to submit an electronic payment they would have had to had the check on XXXX ( no mail delivery on Sunday XX/XX/XXXX ). Barclays must credit the account with a payment the day received, not after turning it into an electronic check and having it cleared through my bank.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

after pulling my report from XXXX noticed a large debt that was reporting different amounts on the credit bureau and i was never contacted that was not paid by my dentist office. explained to the creditor i was not aware of this debt. was not given any info but told me the amount to pay was XXXX for a XXXX debt that accrues at 1 % a month not paid. i cant pay what i do n't know i owe if any. my dentist office agreed to accept the balance from a non profit which they talk to and confirmed on the phone. i 'm not sure why XXXX family dentist did not contact me to say they did not receive the pledge promised years ago. i contacted them today XXXX/XXXX/16 and was told they kept the debt in their office for 1 year before sending to collection. they had my address and phone number but chose not to contact me. i informed them that this would roll off my credit shortly but i did not know about this until now. i was too sick in the past to worry about this kind of stuff because i have a home health aid who is suppose to make sure all this kind of stuff is taken care of. i 'm disable and not able to handle things like this and on XXXX of only {$1000.00} a month from SSA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXX XXXX
Product: Consumer Loan

Wells Fargo called my number asking for payment of a vehicle loan that my ex-wife has posession of through our divorce. She is there months behind and I am cosigner, unfortunately she has legal rights to the car and since I am only cosigner I have none but resposible for the debt even though she has posession of the car. Wells Fargo has threaten to call my chain of command as I am in the military and not just my immediate but they ask for the commanding General number which is way above who they need to call. This could cause serious issues and possible separation at 18 years of service for something out of my controll.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

PLEASE DELETE ALL ACCOUNTS LISTED.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove from my report they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Acct # XXXX The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. I was current on my payments and called XXXX XXXX about being affected by the pandemic. 

I would like to dispute a late payment that has been reported to all XXXX credit bureaus for XX/XX/2020. XXXX XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. 

I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020 and I have been current since with my payments. 

I requested that XXXX XXXX apply a goodwill adjustment to remove the late payment from my file. I have continued to make on time payments to XXXX XXXX since XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed inaccuracies on my credit report From XXXX  and transunion. 
I have agencies on my report that are reporting late payments and inaccuracies from chargeoff account that where sold to secondary agencies These bureaus have repeatedly ignored consumer laws that protect consumer from bureaus and furnishes that try to take advantage of consumers Fair credit reporting act states that if a item can not be verified within thirty days it must be removed, if proper verification such as original contract from a collection agencies can not be shown that account does not have proper verification and must be removed and if a secondary bureaus use false or misleading information to obtain settlement for accounts and collections which was done those closed accounts should be removed and not still be reporting on my credit report Transuion and XXXX  have repeatedly violated the fair credit reporting act
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. These accounts were added as a result of a data breach, and I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be removed from my credit report immediately. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - XXXX - {$0.00XXXX XXXX XXXX XXXXXXXX - XXXX - XXXX XXXX {$890.00}
Product: Checking or savings account

Wells Fargo closed my account for overdraft fees and fraudulent use
Product: Credit card

I received an email on XX/XX/XXXX from Chase stating the following : " As of XX/XX/XXXX, our records indicate that you may have a {$500.00} United Airlines travel credit available for redemption, expiring on XX/XX/XXXXXXXX XXXX This means you must book your flight prior to XX/XX/XXXXXXXX XXXX but your travel date may occur after. '' On XX/XX/XXXX, I tried to redeem the remaining credit amount of {$140.00} towards a flight with travel dates XX/XX/XXXX - XX/XX/XXXX and was told the travel can not occur after XX/XX/XXXXXXXX  and that I will lose my credit tomorrow. When i referred to the email that i had received from Chase- the agent called it a " general email '' that was sent out - when in fact it had very specific information about my credit and it was personally addressed to me. The original email clearly states that I can use it for travel after the date and had I known I had to travel prior to this date, I would have booked earlier in XXXX  This was inaccurate and very confusing information provided by Chase and they should be held responsible for the money/credit I will be losing.
Product: Mortgage

On XX/XX/2020 I received a letter from Bank of America confirming my payment postponement ( Forbearance plan re : covid 19 ) for my home loan # XXXX until XX/XX/2020. 
I received a bill in XXXX stating that payment was due for XX/XX/2020. I called customer service who told me that sometimes the bill crosses in the mail as the forbearance letter is issued. She confirmed that the loan was postponed and the next payment is due XX/XX/2020. 
Today I received a bill stating {$4100.00}, I am 47 days delinquent and if my account is not brought current to include fees my home was in jeopardy of going into foreclosure. 
Please confirm the bill dated XX/XX/2020 is incorrect. Please confirm my account reflects the correct information regarding the forbearance. Confirm that this is not inaccurately reported to the credit reporting agencies as past due.
Product: Credit card or prepaid card

THERE ARE  XXXX  TRANSACTIONS  XXXX  WAS A RESERVATION THAT I MADE WITH  XXXX  THAT I GOT CHARGED TWICE, I GOT CHARGED WHEN I MADE THE RESERVATION THROUGH MY COMPANY CREDIT CARD AND THEN I GOT CHARGED AGAIN WITH THE PREPAID CARD WHICH WAS ONLY SUPPOSED TO BE USED FOR INCIDENTALS AND THE FULL AMOUNT WAS SUPPOSED TO BE REFUNDED AND  XXXX  CLAIMS THAT THE ONLY CARD I HAD ON FILE WITH  XXXX  IS THE PREPAID CARD ALTHOUGH I HAVE PROVIDED THEM WITH THE RECEIPT OF THE CHARGED MADE TO MY BUSINESS CARD AT TIME OF RESERVATION.     THE SECOND WAS FOR WHEN I FILED MY CARD AS LOST/STOLEN IT WAS USED AT   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   AND ALTHOUGH I PROVIDED THEM WITH A POLICE REPORT AND THE TRANSACTION WAS STILL PENDING WHEN I REALIZED THAT MY CARD WAS MISSING THEY ALLOWED THE CHARGE TO GO THROUGH SINCE I FILED IT THE MORNING AFTER IT WAS USED AND SINCE THE CASINO PROVIDED THEM WITH THE FOLIO WITH MY INFORMATION WHICH OF COURSE THEY WILL HAVE IT SINCE I HAVE A PLAYERS CARD WITH THEM BUT THEY DID N'T CARE TO MATCH MY INFORMATION WITH THE INFORMATION THEY HAVE ON FILE SINCE IT IS COMPLETELY DIFFERENT, I HAVE IT DIFFERENT FOR THAT PURPOSE  XXXX  HAS MY UPDATED INFORMATION WHILE THE CASINOS DO NOT AND THEY WOULD HAVE UPDATED MY INFORMATION IF MY CURRENT DRIVER 'S LICENSE WAS USED. BUT NOW  XXXX   DOESN ' S SEEM TO CARE OR WANT TO RESPOND TO MY DISPUTE, I HAVE PROVIDED THEM WITH NOT ONLY POLICE REPORT BUT ALSO ALL COPIES OF RECEIPTS FOR THE TRANSACTIONS.
Product: Debt collection

I am a federally protected consumer, and my name is XXXX XXXX and I am making this complaint against the Nationwide Cassel. On my Consumer Report I noticed that Nationwide Cassel with you states that it has been Charged-Off with Bad Debt Profit and Loss Write-Off. I mailed letter on XX/XX/2022 and I asked for them to send me documentation of proof of ownership, general ledger, and accounting trail for this Charge-Off. I have not received anything and the only notice is when I looked at my consumer report it states that this account disputed and resolved. That's false information and that's fraud.

What is a charge-off? According, 7 CFR 1956.54 is the writing off of a debt and termination of collection activity. Collection Activity includes reporting delinquencies to my consumer reports and you know that know or have reason to know that this is false and misleading.

They stated that you charged this account off right? Collection activity should have stopped, collection activity includes Nationwide Cassel furnishing this to my consumer report.

I am aware that something being furnished to your consumer report is a part of collection activity pursuant to 31 USC 3711e. There should not be any collection activity on this account it should have stopped because it should have been terminated. All Collection activity includes you furnishing this to my credit report. If so, they are committing tax fraud.

If they filed a 1099c they were supposed to send it to me. They wrote this off and cleared it from their books as income and this makes it uncollectible. This money has to be accounted for with the IRS. That means there is no more debt because it's considered income after that and income cant be reporting as debt on any consumer report. I want you to know that that are in Violation of the IRS and I will be filing a complaint with the IRS because they never issued me a 1099-C for taxable income for this charge-off. Please provide me with your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX DC XXXX Re : Dispute of Credit Report Entry : Late Payments To whom it may concern at The CFPB : I am writing to formally dispute a debt entry appearing on my credit report from credit reporting agencies XXXX, XXXX, and XXXX, which is being reported by M & T Bank for the account ***. The entries in question reflect a closed account that is inaccurate or removable from credit reporting according to : 15 U.S.C. 1681 ( a ) 15 U.S.C. 1681 ( 4 ) 15 U.S. Code 1665d XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request that you investigate this matter under the Fair Credit Reporting Act ( FCRA ) and remove this entry from my credit report in accordance with the federal statutes and case law cited. 

Please find the details of the dispute below : Account Number : ** Creditor M & T Bank M & T Bank XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Date of the Reported Debt : XX/XX/XXXX To assist in your investigation, I am including records of credit report entries and records of account payment to the creditor M & T Bank. I have also included proof of identity and proof of address. 
As required by the FCRA, I kindly ask that you complete your investigation within 30 days from the date of this letter. As a result of the federal statutes and case law cited, I request that the records of late payments be removed from my credit report and any negative impact on my credit score be corrected. 
Please notify me in writing once your investigation has been completed and the matter has been resolved. 
Thank you for your prompt attention to this issue. Please respond within XXXX business days. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I had a car loan with Wells Fargo Dealer Services and I wanted to see if I was eligible fr any reparations due to the XXXX dollar lawsuit that they were charging loan participants fraudulently.