23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested a mortgage assumption on XX/XX/22 via letter and I have yet to receive any of the documentation for it. I have called multiple times since, confirming receipt of the letter and asking when the paperwork would be ready but the agent always says the work order will be ready tomorrow. The agents on the line have referenced a title signing but have not sent me any of the paper work needed for the assumption, they want me to sign over the title to my house without sending me any of the paper work before hand to know what I am signing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX, Consumer and I am disputing inaccurate reporting by Transunion. 

Transunion, how was an investigative consumer report conducted for the following : Fair Collections & Out, Dept. of Education-XXXX  and XXXX XXXX? Which friend, neighbor or associates of mine ( XXXX XXXX, Consumer ) have you interviewed concerning the disputes I have submitted? How did you verify these accounts? 

I am proving through the following documents that Transunion has violated the above referenced laws. Transunion has stated through online disputes, written disputes and verbal disputes that an investigative consumer report was conducted and has come back as VERIFIED. So, how was it verified? 

The Department of Education XXXX accounts is being inaccurately reported as 90 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX and 120 late on XX/XX/XXXX. How can there be such a big gap in alleged late payment dates? This is inaccurate information. 

How can I be reported OK on XX/XX/XXXX and be 90 days late on this alleged debt on XX/XX/XXXX then 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX? How is this being reported accurately? It is not. 

There is another inaccurate reporting from the Department of EducationXXXX alleged debt, How is it reported OK on XX/XX/XXXX then 90 days late on XX/XX/XXXX and 120 days late XX/XX/XXXX? How is this being reported accurately? It is not. 

The Department of EducationXXXX XXXX accounts are also in violation of 15 USC 1681i ( c ) because when I disputed the inaccurate information it was not noted on my Transunion consumer report as consumer disputes information It has been over 30 days. 

*Cited from Violation sent to Transunion* *I have attached violation Notice* *I have attached my government issued id*
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES TO BE DELETED : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX  on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Checking or savings account

I have been a customer of chase bank for over 10 years. I have 4 accounts with them. 2 personal and 2 business. 

I tried to use my bank card and it was declined. I called they said go to a branch which i did. I was then told that they no longer want my business and my accounts are scheduled to close. 

I said ok thats fine lets close them and give me a cashiers check for the balance in my accounts. They refused and wont give me my money until they conduct an internal investigation. 

There investigation doesnt concern me. Its my money they are now holding and wont give to me. 

I need help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX horizon. CT XXXX XXXX XXXX New York XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX Department po box XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX under FCRA and XXXX XXXX To Whom It XXXX Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or item XXXX XXXX XXXX CHERRY TECHNOLOGY ES IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like you to remove all " NON-MAIL-ABLE '' addresses. I'd like to have XXXX address listed to maintain accuracy. 

If you don't comply I will file a CFPB claim stating sham investigations which ultimately lead to Experian being sued XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with the accounts below. I have always made my payments on time. Ive contacted the bank about the issue & they agreed to mark it as paid as agreed -- - never late. I believe their records are wrong & Id like this matter handled ASAP. Please update the accounts immediately and remove negativity. 

XXXX XXXX XXXX XXXX
Product: Debt collection

There was a XXXX XXXX card opened some years ago. I called XXXX XXXX directly about the alleged amount of {$420.00} which Portfolio recovery is reporting. XXXX XXXX stated that it is four three or four body sprays. If we do the math, their body sprays are always ( around ) 3 for {$25.00}! There is no way that it should be legal for a company to charge any one Almost {$400.00} in interest and fees! I have requested for the original contract, information on how this account was opened, and an itemized list of the fees associated to be mailed to me. This letter was sent via certified mail. I have the receipt and copy of the letter sent. I received a reply with none of the requested information that would legally validate the account and also break down these outrageous fees. Per my rights I am requesting that this account is deleted since the creditor has failed to validate as requested, and also due to the fact that it is also illegal to accrue so much interest for just {$25.00} ( give or take a little ). Account # XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXXXXXX, I made a phone call to XXXX XXXX stating I would like to close all of my accounts with the company. The representative helping asked if I'd like to close my savings account as well to which I responded yes along with my credit card account. They stated my accounts were closed however months later I noticed my credit score went down drastically. After calling to discuss how I already closed my account and should not have any outstanding balances it turns out an autopay charge from XXXXXXXX XXXX XXXX had been interest for several months. I told them that this didn't make any sense and I don't feel as though I should be responsible for paying the accrued amount since I had already closed this account. Rather than investigating the issue, they suggested I settle which I did immediately to rectify the issue. However, I was not aware that settling would worsen my credit score and that the late payments would remain on my credit report. As of XX/XX/XXXX, my XXXX XXXX case manager reviewed the phone call and mentioned they could escalate the issue to their manager but that they've never reversed a settlement before. Despite substantiating the fact that I intended to close all of my accounts including my credit card on the XXXX phone call, it seems that XXXX XXXX is not willing to accept accountability for the representative 's error and help remove the negative mark from my credit report.
Product: Credit card

I recently requested an increased credit line from Bank of America to a total line of {$3000.00}. Over the phone they told me they would see if they could approve me for that level. Instead they exceeded {$4000.00}. Months ago I had requested that they decrease my credit line to {$1500.00} and instead they closed my account and I had to re-apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure what is happening at Equifax but I contacted them and provided the information that they requested from me about inquires, which are fraud reporting on my credit report. They told me to send the attached identity theft report but they did nothing but sent me a computer generated letter. Please look at this report & delete these items from my report.
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXXXXXX XXXX [ XXXX, Texas XXXX [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX Texas, XXXX ] Subject : Dispute of Missing Information and Request for Debt Removal Dear [ XXXX ], I am writing to formally dispute inaccurate and incomplete information on my credit report and request the removal of an invalid debt. Upon reviewing my credit report, I discovered that the following account contains missing or incorrect information, which has resulted in an inaccurate reporting of my financial status. 
Disputed Account Details : Creditor Lender Names : XXXX XXXX XXXX XXXX XXXX Credit account XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX account XXXX Capitol One account account XXXX The reported debt is inaccurate due to [ inaccurate payment history, payments not reflected, account closed but still reporting a balance, fraudulent activity, or any other valid dispute reason ]. I have enclosed supporting documentation, such as account statements, payment records, and correspondence with the creditor, to substantiate my claim. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be thoroughly investigated and, if found to be incorrect or unverifiable, be removed from my credit report immediately. 
Additionally, I request a written confirmation once the correction has been made. 
Please consider this letter a formal request for resolution, and I expect a response within 30 days as required by law. I appreciate your prompt attention to this matter and look forward to hearing from you.
Product: Debt collection

On XX/XX/2020, at XXXX XXXX  EST, my XXXX year old son  missed a phone call on his cell. My son has had this phone number for about a year, and he received the phone number from the mobile carrier when we opened his phone account. The call that he received was from Portfolio Recovery Associates ( " PRA '' ), using their phone number of XXXX. My son showed me the missed call, and as his father I called PRA back. I identified myself by first name, explained the situation to the PRA agent, and let him know that we have had other creditors call as well over the past year, and we had had them remove the number from their systems without difficulty. I asked that my minor son receive no more calls from PRA. However, the agent refused to do this unless I provided my own personal information ( full name, address, etc. ) to him. I did not want to do this, and explained this to him, but he insisted that it was PRA policy that I provide my PII in order to get my son 's number removed from their system. We went back and forth like this for a few minutes, at which point I informed him that I would be filing a complaint with the CFPB unless he would commit to removing my son 's number from their system. The call did not end amicably as I terminated the call. 

I feel that this is an unfair or abusive practice. My XXXX year old son should not be receiving collection calls from a debt buyer regarding another person 's debts, nor should I be required to provide my own PII to PRA in order to get my son 's number removed from their system of record ( and run the risk of my own name somehow getting tied to that particular debtor 's account ). 

After I terminated that call, I noted that my son had missed a second call from PRA the day before. So I called that number back, this time XXXX, and spoke with another agent. I again explained the situation. Fortunately, she was willing to remove his phone number from their system without any difficulty and without my providing my own PII. 

In light of this second phone call and the ease with which I was able to remove the number, I now wonder whether the first agent I spoke with was simply untrained, or else if there truly is a policy issue in play at PRA. Either way, at the end of the day, I don't want them trying to collect money that someone else owes from my XXXX year old, and it should not be difficult to get them to stop doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letter from XXXX XXXX  as well as the universal data form and update the account that is reporting inaccurately. The account is XXXX XXXX ending in XXXX. The late payment for XX/XX/2020 should be removed and updated immediately. The company has agreed to a goodwill amendment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continuously reporting on mu Credit Report. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX  XXXX Balance $ XXXX Opened : XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE READ THE FEDERAL FAIR CREDIT REPORTING ACT AND IN THE LAW, CONGRESS SPECIFICALLY SAYS A CONSUMER ONLY NEED PROVIDE PROPER IDENTIFICATION. YET, XXXX  DENIED ME A CREDIT REPORT BECAUSE THEY STATED THE FCRA REQUIRES ME TO PROVIDE A UTILITY BILL. PLEASE HAVE THEM SHOW ME IN THE ACTUAL LAW WHERE IT STATES I MUST PROVIDE A UTILITY BILL. A FRAUD ALERT WAS PLACED WITH XXXX  IN LATE XXXX. I AM ENTITLED TO 2 FREE CREDIT REPORTS WITHIN A YEAR. 
MY BIRTHDAY IS XX/XX/XXXX AND MY PREVIOUS ADDRESS HAS BEEN XXXX XXXX XXXX, XXXX, CA XXXX.
Product: Debt collection

On XX/XX/2021 and I saw some collections had been added to my credit reports XXXX XXXX, and XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

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

I did not get any response from the credit bureaus regarding these accounts I disputed which is already over 60 days : XXXX Account # : XXXX | XXXX/XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX Account # : XXXX | XXXX-XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone committed ID fraud and opened a bank account with XXXX XXXX XXXX. The company details from this hard inquiry on my credit report are : " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX, VA XXXX XXXX. 

On XX/XX/XXXX XXXX  submitted a Credit Bureau Dispute to Equifax to remove the hard inquiry from my consumer credit report, due to ID theft. 

On XX/XX/XXXX this inquiry was still not removed. 

On XX/XX/XXXX I filled an online dispute with Equifax and this was reviewed, their response : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : Equifax Info Svcs., XXXX XXXX XXXX, XXXX , GA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I tried calling Equifax for the past few days during business hours, was on hold for 2 hours, was unable to speak to anyone on the phone about this. The website also doesn't let me further dispute or give them more info or documents. 

I messaged Equifax on XXXX and also didn't receive a response there. 

I'm trying to refinance my home and this is hurting my credit score.
Product: Debt collection

Contacted neighbor by phone, despite not having permission or information by debtor to seek contact via this party.
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the validity of a debt collection account that appears on my credit report. I recently obtained a copy of my credit report and discovered an account listed by your agency under the name XXXX XXXX XXXX. I believe there may be inaccuracies or discrepancies associated with this account.

I would like to request detailed information regarding this debt collection account, including the following : Verification of the debt : Please provide documented evidence that verifies the debt in question, such as the original creditor, the amount owed, and the nature of the debt.

Proof of ownership : Please provide documentation that confirms your agency 's legal ownership or authorization to collect on this debt.

Validation of the debt : Please provide information on the date of the last activity or payment made on the account, as well as any relevant supporting documentation that substantiates the validity and accuracy of the debt.

I understand that, as a consumer, I have the right to dispute and seek validation of any debt that appears on my credit report. I am exercising this right in order to ensure the accuracy and legitimacy of the information being reported.

I kindly request that you cease all collection activities related to this account until its validity has been verified. Please also remove any negative reporting associated with this account from my credit report during the investigation process.

I appreciate your attention to this matter and look forward to receiving the requested information within the timeframe specified by the Fair Debt Collection Practices Act ( FDCPA ). Please communicate with me in writing to confirm receipt of this dispute and to provide updates on the investigation.

Thank you for your prompt attention to this dispute. I trust that you will handle this matter with the necessary diligence and in accordance with the applicable laws and regulations.

Sincerely,
Product: Debt collection

I had a credit card with XXXX XXXX. XXXX XXXX charged off the account I once had with them without informing me before the account closed. 

XXXX XXXX admitted to selling all of my personal information on XX/XX/XXXX illegally without my consent ; which has put my identity in jeopardy. 

I have a letter from XXXX XXXX from XX/XX/XXXX that admits they sold my information to Midland Credit Management Inc. Also the letter states that when XXXX XXXX sold my information, they gave incorrect information regarding the account that was charged off. Before I received this letter from XXXX XXXX, Midland Credit Management Inc was already contacting me making false claims that I was in debt to them and placed the accused debt against my credit. I have not conducted any business with Midland Credit. I have made several disputes directly to Midland Credit Management Inc to remove this false claim from my credit and they still have yet to do so.
Product: Credit card or prepaid card

Paid {$1900.00} on XX/XX/XXXXto Goldman Sachs / Apple. They take 10 business days to post a payment even after the payment has cleared the account. They will report incorrect information to the credit bureaus due to this practice.
Product: Mortgage

I have tried to get XXXX assistance with SLS servicing for 7 years. They lost my paper work for 7 years. when they finally came to a conclusion and agreed to give me a loan modification I was un able to afford it. I found a real estate agent and listed my property. 
SLS is refusing to give me ample time to sell it. Short sales take a while but not 7 years like SLS took. I want to get me sale date postponed and they refuse. We have a ready and willing buyer but needs a little more time to get the loan approved by fannie mae. it is a improvement loan and buyer need to add husband so the loan has to go back to underwriting. we asked for 30 day extension and they flat out refused. saying the investor has n't been paid for 7 years but that 's not my fault they are the ones that strung it out. 
SLS was so forceful in foreclosing my homer last year I had to file many complaints. like this XXXX. They are unfair and not abiding by the rules.