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

Subject : Dispute of Inaccurate Credit Report Information & Notice of Civil Liability for Negligent Noncompliance Under 15 U.S.C. ss1681o I am writing to formally dispute inaccurate information on my credit report maintained by XXXX. I recently reviewed my credit report and found errors : ( I am requesting All Items Be checked due to incorrect dates, addresses, and Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to ensure the accuracy of consumer credit reports. Pursuant to 15 U.S.C ss1681o, any customer reporting agency that fails to comply with the requirements of the FCRA due to negligence is liable for damages sustained as a result. 
I request that XXXX immediately investigate this matter, remove or correct the inaccurate information and provide me with an updated credit report reflecting the corrections. Additionally, please provide the sources of the disputed information and any documentation supporting your reporting. 
If XXXX fails to conduct a proper investigation and correct these errors, I reserve the right to seek legal action for damages, including actual damage, attorney fees, and court costs, as provided under 12 U.S.C ss1681o Enclosed are copies of my Driver 's License, Social Security Card and Copy of Mailing Address to support documentation.

Please respond to this dispute in writing within the legally required XXXX timeframe. If you require further information to process this dispute, contact me at the XXXX, my mailing address provided. 
I am fully aware of the investigation that is being conducted by the CFPB and the errors that are occurring by providing a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate personal information that is furnished on my credit report. I have reached out to the reporting agencies several times regarding this misinformation. I was told it would be removed. Different reporting agencies are reporting different mis information.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX looked at my XXXX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

The attached do not answer any questions nor resolve any problems! What the hell are these for???? CFPB already has a mechanism in place to ID complainants. You send lies to the CFPB to make them believe you did your job when you don't. Then you send me the XXXX that's attached here??? Really???? Not going to work!!!
Product: Debt collection

Midland Credit Management has filed a lawsuit over a product they know is not mine and was the result of identity theft. Before doing so, they maliciously accessed my credit file without authorization on XX/XX/year> and XX/XX/year> to collect information. This file had been removed due to fraud years ago, and they were not granted permission to access it. They used the stolen information to build a lawsuit, which has been dismissed on XXXX separate occasions due to their negligence and failure to provide accurate information. Additionally, they distributed my personal information to multiple addresses without my consent and pressured me to sign up for payment plans while harassing me at my home. When they failed to achieve their goals, they continued refiling the same lawsuit in different districts. Recently, after I appeared in court to address the harassment, the judge requested discovery. Instead of complying, Midland Credit sent documents in an attempt to coerce a confession during the discovery process because they have yet to provide any accurate information. Midland credit management is well are this account was open in fraud and are trying to steal funds through malicious attempts at taking personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I was injured on the job in Louisiana and went to a hospital and then was placed on workers compensation through my home state of Washington state, and then I was informed via my credit report that I had a unpaid medical in Louisiana from this incident and I contacted Washington XXXX XXXX XXXX XXXX  and was informed that they had paid the bill but they wont contact the credit agency or vice Versa, And Im left standing in the middle holding the bag and being left to try to get everyone to talk but wont and it keeps impacting my credit.
Product: Credit reporting or other personal consumer reports

XXXX a formal letter template asserting your right to privacy under 15 U.S. Code 1681 ( Fair Credit Reporting Act - FCRA ) to the Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/year> Subject : Assertion of Privacy Rights Under 15 U.S. Code 1681 Dear Sir/Madam, I am writing to formally assert my rights under 15 U.S. Code 1681, part of the Fair Credit Reporting Act ( FCRA ), which protects consumers privacy and ensures the accuracy, fairness, and security of personal data in credit reporting systems. 

Pursuant to my rights under this law, I respectfully request the following : XXXX. XXXX of XXXX XXXX Please provide a complete disclosure of all my personal information and records being maintained, as required under 15 U.S. Code 1681g. This includes but is not limited to consumer reports, inquiries, and any third parties that have accessed my information within the permissible purposes outlined by law. 
XXXX. Accuracy of XXXX If any of the information in your records is found to be inaccurate, incomplete, or unverifiable, I demand it be corrected or deleted immediately in compliance with 15 U.S. Code 1681i. 
XXXX. Restriction of Data Sharing I request limitations on the sharing of my personal data with unauthorized entities, ensuring compliance with 15 U.S. Code 1681e, which mandates the implementation of procedures to protect consumer privacy and prevent unauthorized access. 
XXXX. Secure Disposal of My Data If certain data retention is no longer necessary, I demand the secure disposal of all such information as per the requirements of 15 U.S. Code 1681w.

Additionally, please confirm that my data is being safeguarded against unauthorized access, theft, or misuse. If any breaches of my personal data have occurred, I request prompt notification as required by applicable federal and state laws. 

I expect to receive a response to this letter within XXXX  days, as required under federal law. If my requests are not addressed satisfactorily, I reserve the right to escalate this matter through appropriate legal channels. 

Thank you for your attention to this matter. I trust that you will handle my personal data with the utmost care and respect for my privacy. 

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

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  XXXX NA Date of inquiry : XX/XX/XXXX This is not mine. 

12.Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ohio, XXXX XX/XX/XXXXXXXX  Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Credit Report Dispute - Inaccurate Reporting Dear, XXXX I am writing to formally dispute an inaccuracy I noticed in my credit report under the Fair Credit Reporting Act ( FCRA ). Please find below the details of the disputed account : Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Nature of the Dispute : The account is reported as Paid, Closed. {$100.00} written off. However, this is inaccurate. Based on my records, there is no amount that should have been written off as I fulfilled all obligations prior to the closure of the account. Additionally, the payment history displays severe delinquencies for months during which payments were either made or the account should not have reflected such derogatory marks. 

For example : The report lists delinquencies for XX/XX/XXXXXXXX  to XX/XX/XXXX, which is incorrect because the account was closed and fully paid off. 
The account comments state Account previously in dispute - investigation complete, but there is no documentation supporting the resolution of this investigation, and the findings appear to be inconsistent with my payment records. 

I have attached the necessary documents to support my claim, including : 1. Proof of payments made during the alleged delinquency period.

2. Confirmation of the account closure with no outstanding balance. 

I kindly request the following actions : 1. Investigate and correct the inaccuracies on this account. 
2. Remove any delinquency marks from the months of XX/XX/XXXXXXXX  to XX/XX/XXXX. 
3. Provide me with a corrected credit report. 

Please conduct a thorough investigation and let me know the outcome within the required 30-day period. If you require additional information or documentation, feel free to contact me at XXXX XXXX XXXX XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I have paperless billing and make automatic payments via online banking every month. I logged on to the New Rez website to look at my payment history. They assessed a late fee back in XX/XX/XXXX, because they received the payment 1 day late. I have never been late before. 

Because I do not receive paper statements, I did not know they charged the late fee or that they received my payment 1 day late. 

My online payment history ( see attached ) shows they have been marking " unapplied payments '' in the accounting of my loan without my knowledge. 

Each and every time I try to call New Rez, the line is busy. I contacted them by email form via their website over a month ago and never received a response. I asked if they could waive the late fee. I also asked why they were using the " unapplied payments '' accounting in payment history as well. No response. 

Furthermore, the last time they reported my balance to XXXX and XXXX, was XX/XX/XXXX. They reported a loan balance of {$120.00}, XXXX. At that time, my balance was {$120.00}, XXXX. The balance ( as of XX/XX/XXXX ) is now {$120000.00}. This inaccurate and late reporting is falsely hurting my credit score. 

Finally, I received a letter from New Rez ( no mention of my concerns above ) stating they have " previously paid or have scheduled to pay an insurance renewal premium and have received another billing notice from another company. '' Thye claim this will result in 2 policies being aid and it is my responsibility to remedy the situation. 

My previous homeowner policy was canceled by the insurance company ( because they don't know that I have a brand new furnace and air conditioner ). Regardless, there is no record of payment TO the company ( I called them and logged on to my account ) and there is no record of renewal payment made by New Rez showing online. 

If the phone line is always bust at New Rez and they do not answer my communication emails, how am I supposed to remedy ANY of these situations?
Product: Credit reporting or other personal consumer reports

EQUIFAX is reporting a date of first deliquescency as XX/XX/XXXX but is also reporting the same date as paid. Factually it can't be both and they refuse to fix it. They have verified the inaccurate information over and over. I have contacted the creditor and they said EQUIFAX is reporting the information wrong.
Product: Credit card

I RECEIVE A CITI SIMPLICITY MASTERCARD PRE-SELECTED APPLICATION AND APPLY XX/XX/XXXX. I RECEIVED A DENIAL LETTER XX/XX/XXXX STATING THAT THEY RECEIVE INFORMATION FROM XXXX THAT HELP THEM WITH THEIR DECISION. I CHECK WITH THE CREDIT BUREAU BECAUSE I HAD NO NEGATIVE INFORMATION IN MY CREDIT FILE THAT I KNEW OF AND THEY CONFIRM THERE WAS NO NEGATIVE INFORMATION. I CONTACTED CITI AND THEY WAS UNABLE TO FIND ANYTHING SO THEY SWITCH ME TO THE COLLECTION DEPARTMENT AND I SPOKE WITH XXXX. HE WAS UNABLE TO FIND ANYTHING RIGHT AWAY AND CALL ME BACK STATING THAT HE FOUND I HAD A CITI CARD XX/XX/XXXX AND IT HAD BEEN IN A BANKRUPTCY IN XXXX. I TOLD HIM I HAD NO KNOWLEDGE OF THAT AND IF HE COULD SEND ME THE CREDIT CARD APPLICATION BEARING MY SIGNATURE AND INFORMATION AND A COPY OF THE BANKRUPTCY PAPERS. HE LATER STATED HE DID NOT HAVE THE INFORMATION DUE TO THE AGE OF IT. I ASK HIM SO YOU CAN TELL ME THIS IS WHY YOU DENIED ME BUT CA N'T GIVE ME PROOF. HE STATED HE WOULD TRY AND LOOK FOR IT AND GET BACK WITH ME. AFTER A COUPLE OF WEEKS HE SENT ME A LETTER STATING THAT THIS WAS NOT A FRAUDULENTLY ACCOUNT THAT THE ACCOUNT WAS INCLUDED IN A BANKRUPTCY DATED XX/XX/XXXX AND THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT THIS FILE IS NOW CLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX XXXX, XXXX ACCOUNT XXXX, XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX ACCOUNT XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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

I recently did an investigation on my credit report and found several items that are inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Experian XXXX XXXX Account # XXXX Date opened : XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff XXXXXXXX XXXX XXXX Account # XXXX Date opened : XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff XXXX **** XXXX Account # XXXX Date opened XXXX XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff
Product: Checking or savings account

I was informed via email my Robinhood account was being closed Friday XXXX XXXX due suspicious activity mind you my accounts been in good standing and well established since XXXX. The email stated any remaining funds in my account would be refunded to the linked bank or Id get email communication with further details. 

My account balance was {$1700.00} liquid just strictly purchase power from my sold securities and previously deposited money. 


I have gotten absolutely no clarification from Robinhood support, no answers to my questions and requests for a phone call or just my money to be sent to me. 

On XX/XX/XXXX I was emailed a docusign requesting an address and for me to sign for a check to be sent to me for the amount of {$410.00} The {$410.00} wasnt explained or any clarification why the amount was almost {$1300.00} short of the money owed to me for my account balance and I have asked Robinhood numerous times to fix the amount being sent to me and also clarification as to where that dollar amount even came from. 


Now on XX/XX/XXXX my account balance I can see still in my XXXX app shows {$1300.00} which was updated to reflect the deduction of {$410.00} but I still have no answer as to when my remaining money will be paid to me or if it will due to the account being closed. The money is mine and can be seen deposited within the past 30 days and I have no clue what the {$410.00} amount correlates to or why I wasnt sent my full account balance. 


I have had no luck trying to speak to anybody with Robinhood and just get the same generic emails from support stating your accounts closed and withdraws arent permitted nobody explained why I got the random email for the check being issued or what it was for, no statement that it was to cover my remaining account balance or anything. 



If the {$410.00} check shows in the mail I am still OWED {$1300.00} which is showing still in my account balance. 


Please help me get this resolved Im fine they are closing my account whatever but I need the funds associated to this account as THEY ARE MINE. 


Ive tried to create several support tickets with absolutely NO real solution to my issue other than generic automated support emails. No direct communication or phone calls are even available for support. Ive got no clarification as to whats going on and support seems to be very out of the loop and failed to consider this is someones money.
Product: Debt collection

Do not ever do business with Beyond Finance. They tell you they will help you take care of your debt but omitted the fact that their take is 20 something percent. I was not able to ask questions to get information about my accounts. They refused to tell me anything and took over {$3000.00} first without even paying anything towards my debt first. They also refused to tell me anything about my settlements and refused to handle the ones I wanted to first. They never asked me for a proper negotiable amount and they also have made no attempt to make it right with me. They only worsened my problems and I had to take the settlements into my own hands. The day I removed myself from the program, I was able to negotiate all of my debts myself and immediately start paying them. They projected 5 years and more than {$10000.00} more then I initially owed. The problem is every time I asked questions about my accounts or how it works they would say they cant tell me or avoid answering the questions. Not to mention when I signed up I didnt hear from anybody for about a month even thought I consistently called to get answers. Worst experience Ive ever had with a company and youre dealing with someones life. Completely unacceptable
Product: Credit reporting or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 have two accounts that have been paid/ settled. XXXX and WFXXXX   both accounts have been disputed three times I even included a letter from the creditor as proof. They continue to report as charged off and it's hurting my credit score. I have now reported both companies to the XXXX in hopes of getting this corrected. I don't know what else to do. Please help me
Product: Debt collection

I found out when checking my credit report ( XXXX XXXX ) a debt from transworld was reflected on such, no one called me, never received a letter from anyone ..Ive contacted the agency ( trans world ) to get a copy of my debt with them over 2 months ago I hired a company ( XXXX XXXX ) worthless, I told them Ill need to validate my debt if I owe them money Ill pay every penny..yet they told me they dont how long it will take to receive documents..its been over 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.