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

I wrote a dispute letter, waited 30 days and no respond. Then I wrote a letter asking for validation and no response also I sent in two forms of ID as well as as proof of address. 

Letter that was sent : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Ga XXXX COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities. I noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong, I'm just saying that Im not XXXX percent sure if they are. I also read the Fair Credit Reporting Act, which said that by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all. 

I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this. Could you please send it to me? Also, please let me know who had access to my files as well. I want the investigation outcome to be sent to the address I put on the form area. 

Thank you for your time and help in this matter. 


Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was contacted about being approved for a loan. XXXX Tuesday the XX/XX/XXXX! As I found out yesterday it was fraudulent company! They deposited bad checks into my aaccout, I was told to send the money back to them to improve my credit score so I could get the loan!. Now my bank has closed my account, they informed me it was all fake. I don't know what to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX The information include above is reporting incorrectly via my credit report. Please update and remove inaccuracies.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX furnished my information to Jefferson Capital System XXXX XXXX XXXX XXXX XXXX, mn XXXX according to 15 USC 1681a 4 your company violated my consumer rights of privacy. 
There is no law that state consumer reporting agencies must furnish information about and consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are three accounts that are not mine with negative history appearing on my credit. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies nor have I ever signed any contract or agreement in regards to these accounts that are in negative standing. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit. I have already filed a police report regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX XXXX Report - Excessive Number of Credit Inquiries, Impacting Credit Scores ( Not Significantly ). XXXX XXXX XXXX Told me to Shop around for a New Home Mortgage and Best Rates for 30 days without fear of negative impact on credit scores. XXXX XXXX told me there is room for credit repair here.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX XXXX  : Account # : XXXX Account Name : XXXX  XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 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 that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling all 3 reporting agencies to get those inquiries removed but was unsuccessful. At one point I had almost 30 inquiries just in a months time. But I managed to get many removed. I never knew so many inquiries would damage a person 's credit so badly. This problem has drained so much energy from me, that I just can't handle by myself anymore. Thus deminishing my credit score. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I HAVE THE RIGHT OF PRIVACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete this accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Account - Discrepancy with XXXX Dear Sir or Madam, I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681, which guarantees the right to accurate and complete information in credit reports. I am formally requesting the removal of an account that continues to appear on my credit report, despite the fact that XXXX has already deleted this account from its records, creating a clear lack of uniformity and accuracy among the XXXX credit bureaus. 
Account Details : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information in a credit file is found to be inaccurate or unverifiable, the credit bureau is obligated to correct or remove that information. XXXX has fulfilled this requirement and removed the account from my report. However, my report with [ XXXX/Experian ] still reflects the incorrect information, which constitutes a violation of my right to have an accurate and complete credit report across all credit bureaus. 
Attached to this letter is evidence of a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), which proves that the account in question was deleted from my XXXX report following an appropriate investigation. 
Additionally, I would like to refer to the case of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), in which the court held that credit bureaus have a responsibility to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. In this case, it was determined that inaccurate reporting constitutes a serious violation that can cause financial harm to the consumer, which directly applies to my current situation. 
Therefore, I am requesting the immediate removal of this inaccurate account from your records. The attached evidence confirms that this account has already been deleted by XXXX, and steps should be taken to ensure consistency across all three credit bureaus. 
I look forward to a prompt resolution and the update of my credit report accordingly. Should this inaccuracy not be corrected, I will consider taking legal action under the provisions of the FCRA, including seeking punitive damages for continued noncompliance. 
Thank you for your attention to this matter. I am available to provide any additional information necessary to facilitate this process. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I was in a XXXX accident in 2011 i was not able to attend the XXXX semester at my college. The school is trying to charge me {$22.00}, XXXX for the semester. I submitted all documents needed to support my claim. School denied medical necessity although they had a dr XXXX not stating the reasons i was unable to attend
Product: Mortgage

This is in regards to Forebearance and the global pandemic. And the mortgage company NewRez Mortgage Services, are not helping lenders as encouraged by the Federal Reserve. 

On XX/XX/XXXX I was able to get a hold of somebody to start looking at options for the forebearance plan that is to help those effected by the pandemic and to not effect their credit. 

I own a duplex that I live in but rent out the other side. My work has been effected by the pandemic when the government ordered all gatherings to be cancelled. Which makes sense for the safety of the public. My concerns are also for the tenants. 

While I started the process for the forebearance I was asking for details about the plan. They would not give me a straight answer but that I would be registered for this plan. Again without any real form or details about it. 

When pushed they would not confirm how this would not effect my credit and that in this 3 month forebearance plan I would not have to pay any payments. But then would be forced to pay the payment on the 4th month along with the other 3 payments. So a total of 4 payments right away. And if forebearance needed to last longer it can be sorted out at that time. 

So the big problem is not working for so long and then suddenly have to pay 4 payments. When I said that would not be possible I was pretty much told that we would be able to talk about it at that point. 3 months later. 

Now I would not expect my tenants to be able to pay 4 months of rent suddenly after not working for so long. And all of this goverment stimulus is not making it to them to suddenly be able to. But most importantly what money is going to them should be going to food and supplies to take care of themselves. 

I have asked multiple times to have these payments just to be moved to the end of the loan, as on their site described as deferment. And I keep being told that I either have to wait the 3 months or hope the government puts more rules in place on this. Or not take the forebearance. 

After being told to wait for more information during the month ( XX/XX/2020 ). I was sent a questionnaire, implying they are just trying to figure out my situation. But before I even get to any sort of options they require me to " Check here to acknowledge '' that I will have to pay all the payments at the end. Or at that time talk about options at that time. But those options no longer even include the deferment offer. " Options may include full reinstatement, a repayment plan, or a loan modification. '' So I feel that I would then be forced to either take that burden on or force it upon them. Assuming I could take that burden. So at this point I am hoping that they will still be able to pay their rent. 

I am not a large corporation that owns a lot of property, I own 1 to help me live in the area I work. And I see a lot of other " Mom and Pop '' rental people looking at the same issue.
Product: Credit card

American Express closed the principals account without legal agreement in writing nor verbal agreement. Principal revoked said companies ' power of attorney to make any decisions on principals account without consent. A billing dispute was sent to the company along with instruction, and lawful tender of payment through registered mail number XXXX. The closure of the account is considered adverse action per 15 USC 1691. The coupon attached to the " statement '' is a receivable that has been credited on said account. American Express is in violation of their sec filings via their XXXX, and prospectus filing. On XX/XX/2024, an application/ security was rendered to American Express , and the application was returned was returned as denied. Per the bill of exchange act of 1882, value was given through the application on file. Credit card receivables, including generated credit card applications, are securitized and are then turned into assets which in return are financial instruments such as notes or securities backed by the cash flow from the underlying credit card receivables. This transaction allows this company to create tradable instruments for their investors. The principal on this is in fact treated as an investor. The company " American Express '' understands clearly per their words in their sec filings that the only way to pay a " Bill '' lawfully is through interest. They have chosen to ignore these facts and continue to disregard said filings that are heavily regulated and protected. They are in plain English are COMMITTING SECURITY FRAUD per 12 CFR 1026.12 and 12 CFR 1026.13 ( D ). with the intent to invade tax liability.
Product: Checking or savings account

In XXXX of XXXX I opened and deposited {$100000.00} in a Citi Accelerate Saving Account at Citibank, subsequent deposits brought the account to today 's balance of {$140000.00}. On XX/XX/XXXX I attempted to access my account so I could transfer some funds to my checking account. After multiple attempts and 2 phone calls ( each waiting 2 to 3 hours ) I was informed that my account has been to deactivated because it had not been active in two years. I was informed that the account can only be reactivated by going to a Citibank location or writing Citibank Client services in XXXX XXXX. I live 267 miles from the closet Citbank branch in XXXX VA. 

Therefore I sent a certified letter to Citibank Client Services on XX/XX/XXXX. It was delivered on XX/XX/XXXX. I heard nothing. I called Citibank again ( two hr wait ) and was told that " being delivered and being received are different things :!!, they are sorry but write another letter. I called the manager at the XXXX branch who could do nothing to reactivate my account and said my letter needed to be notarized and I needed to use their form to request reactivation. He gave another number to request the form. Called that number ( only 1/2 hr wait this time ) and was told no form was necessary and send another letter to Client services. 

On Friday XXXX XXXX I sent a XXXX  envelope with a notarized letter requesting my account to be reactivated. The package was signed for on XX/XX/XXXX. I still have heard NOTHING. 

Please assist me in retrieving my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2018 Peoples Home Equity ( XXXX, TX office - phone ( XXXX ) XXXX ) ran my credit without my authorization. 
I noticed credit inquiries on my report from all 3 bureaus. I never provided my social to Peoples Home Equity, and I mentioned multiple times on the phone that I don't want them to run my credit as I was just looking to talk to them about the loan options. I clearly told them I only want some information since I am just looking into the housing market without anything finalized, and that's why I don't want them to pull my credit. 

In spite of this, I noticed unauthorized credit inquiry on my report. Peoples Home Equity asked some other company ( XXXX XXXX XXXX XXXX XXXX. Phone : ( XXXX ) XXXX ) to pull my credit. This third-party in turn reached out to 'XXXX XXXX XXXX ' and I was told by them that Peoples Home Equity would need to let XXXX XXXX know that it was an unauthorized inquiry so that XXXX XXXX can send that information to all 3 bureaus so it can be removed from my report.

I emailed Peoples Home Equity yesterday but haven't heard back yet.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/scrub>XXXX  and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, TransUnion Subject : Request for Removal of Canceled Debt from Credit Report Dear XXXX, XXXX, TransUnion I am writing to formally request the removal of a debt from my credit report associated with XXXX XXXX  XXXX XXXX, account number XXXX. This debt was canceled by the creditor, as confirmed by the attached IRS Form XXXX, which I received. 

The XXXX XXXX indicates that the debt, in the amount of {$300.00}, was canceled on XX/XX/year>, and is no longer owed. Reporting this canceled debt as outstanding or delinquent on my credit report is inaccurate and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), Uniform Commercial Code ( UCC 3-604 ), and guidance from the Federal Trade Commission ( FTC ) regarding the accuracy of credit reporting and debt obligations.

Legal Background : 1. UCC 3-604 ( a ) : Cancellation of an instrument discharges the obligation. This includes any action or written acknowledgment ( e.g., Form 1099-C ) by the creditor showing intent to release the debtor from liability.

2. IRS Guidance : The issuance of Form 1099-C by the creditor reflects an identifiable event canceling the debt under Treasury Regulation 1.6050P-1.

3. FTC Enforcement : Under the authority of the FTC, creditors and credit reporting agencies are held accountable for ensuring that only accurate and valid debts are reported to consumers ' credit reports. Reporting canceled debts as delinquent or unpaid violates these standards.

4. Account Closure : Since the account was closed, reporting it as an active or delinquent account constitutes a misrepresentation of account status and could be considered a form of securities fraud under federal law. This misrepresentation artificially inflates debt figures, harming consumer credit scores and misleading financial institutions.

Please confirm receipt of this dispute and notify me within 30 days of your investigation results, as required by the Fair Credit Reporting Act. If this issue is not resolved appropriately, I am prepared to escalate my complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies under applicable laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I'm requesting that the late payments in XXXX, XXXX and XXXX, 2023, be removed from my credit report. I take full responsibility for my financial obligations and understand the importance of meeting them. 

Unfortunately, unexpected circumstances such as the XXXX, loss of income, and the construction of our home caused us to fall behind, but my salary has now returned to normal, and I'm committed to making on time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since that day I've been seeing a lot of unauthorized inquiries and accounts. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses i have listed, the following includes : Experian : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

JPMCB Card Services is reporting my credit incorrectly for XXXX, XXXX and XX/XX/2019. This is due to 2 factors. First, when I setup a repayment agreement in XX/XX/2019, the representative whom I spoke with advised that I could choose my due date. However, what the rep did not disclose was that I was choosing my draft date for the payment, not the actual due date. As a result, my payments were drafting after the payment due date. This came to a head in XX/XX/2019 when I spoke with a rep to make payment. During the call, the rep told me " you are already 30 days past due ( the due date was still the XXXX for XXXX 's payment ). '' And then, he said " don't worry about that '' and make the payment when you can. I am asking for JPMCB to correct my credit for the XXXX, XXXX and XX/XX/2019 reporting dates due to their misleading practice of allowing me to set a payment draft date AFTER the payment due date as well as for the representative in XX/XX/2019 who advised me to " not worry about my credit ''. Since then, I've tried to speak with customer service, only to be redirected to different departments without any resolution. Now, with the COVID-19 pandemic, I can't even get through to a representative. In fact, I've been hung up on twice and since then have had to wait at least 45 minutes each time I've called before hanging up because I have to return to work ( can only make calls during my lunch break ).