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

. Subject : Dispute of Inaccurate Information on XXXX, XXXX, and ARS Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, XXXX, and ARS consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation. 
10. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, XXXX, and ARS report. Specifically, I ask that : XXXX. XXXX, XXXX, and ARS provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and ARS corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and ARS report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, EXPERIAN has violated my rights by having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I am a victim of identity theft. I have been receiving bill statements from US BANK, stating that I have an amount to pay, which I did not make any transaction or authorize someone to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not allowing letters by mail to be delivered at their dispute address they gave on their website, XXXX XXXX XXXX, XXXX, PA XXXX. So I will have no choice but to submit my disputes this way
Product: Debt collection

I received a call from a collection agency several times a day for a some days, i answered and i stated to cease and desist all calls and to mail me a debt validation letter to prove that i owed the debt. I never received anything in the mail as i requested. Calls started on XXXX until XXXX, calls came from several numbers.
Product: Debt collection

This debt that is trying to be collected is from the only creditor that would not work with me during COVID when I was unemployed. I requested a lower minimum and they refused. I tried to only electronically submit a lower amount and their system took the minimum no matter what. So I shut off auto-pay. They charged me tons of interest and late fees. They sent to a debt collector who sent me a letter with an apparent offer letter from the creditor to settle the amount which I never received from the creditor. I offered at this point to pay that amount and they refused. Today someone came to my house while I was at work and tried to serve papers and threatened a bench warrant and jail time. My partner was home and I watched on the ring camera.
Product: Student loan

In XX/XX/2017, I made a monthly payment to my federal student loans serviced by the Pennsylvania Higher Education Assistance Agency. The payment cleared my bank account the next day, but didn't clear their system. When I called to inquire about the matter I was told I just needed to wait " 2-3 business days. '' I waited, the payment didn't clear their system, and my loan was put into late payment status. I called again, was asked to submit proof that the payment cleared my bank account. I did this, and the response was, " you have to wait 7-10 business days for us to investigate the problem. Sorry, there seems to be a 'glitch ' in the system. '' It took a month for them to push the payment through the system and post to my account, with me following up via phone every week. I spent hours on the phone with multiple people, having to explain the problem each time. While I was waiting and growing concerned about the fact that my loan was in a 'late ' status and quickly approaching the next payment due, I was told to " not worry about it because we only report past due accounts after 90 days. '' Excuse me, but this is utter incompetence. And I have no recourse to rectify these problems when they occur.
Product: Credit reporting or other personal consumer reports

This complaint is to inform you that I found an error on my credit report under this account " XXXX XXXX XXXX '' it's indicated on the Two-Year Payment History that I was " 30 days late '' on XX/XX/2023 which is a misinformation. I've been very responsible when it comes to my monthly payment and never missed a single payment. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never paid late by me as it is reported. I returned the XXXX XXXX XXXX in XX/XX/XXXX and got a new XXXX XXXX XXXX. I was not responsible for pay XXXX payments. I only had a XXXX  months lease that is from XX/XX/XXXX to XX/XX/XXXX not XX/XX/XXXX. I paid the dealership and they was supposed to take care of the payment. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are a XXXX day XXXX payment. The XXXX years I had lease with XXXX I was never late with a payment. 
This late payment is hurting my chance to lease or buy again with you. It is also hurting me from buy a home. 
After doing so please provide me with an updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX ... To Whom It May Concern : I have been paying for the XXXX credit cards with XXXX. It has come to my attention from the credit bureau that the credit reporting for the XXXX accounts is not proper. 1. There has not been any reporting on the credit card to the credit bureau from the time XXXX XXXX to XXXX XXXX. 2. There has been late payments reported on both the credit cards but the fact that there was automatic payments scheduled. I was even charged late payment fees on the credit card. 3. This is negatively reporting on my credit report and it is causing problem in getting a home loan for me and my family with XXXX kids. 4. I have always been diligently paying my bills and did report to XXXX about the incorrect reporting and no reporting but there has been no action taken so far. Please delete the negative entries of late payments from all the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I pulled my credit report and noticed that a company by the name of Credence Resource Manage is attempting to collect a debt for XXXX XXXX XXXX for {$300.00}. I have reached out but no information was given to me. I have never had services with these companies. I suspect fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/XXXX and I still havent heard back from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022.
Product: Payday loan, title loan, or personal loan

Allied cash advance located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX said I XXXX XXXX XXXX was approved for a XXXX dollar loan to help with bills anyway they informed me that I needed to pay XXXX dollars to insurance of theres to guarantee that if fall on hardship the insurance would pay the loan for me and I had to send another XXXX to pay for fees to get the amount of XXXX from the state of new York to North Carolina which was a state fee but informed that those fee had to be paid by XXXX gift cards to be able to received the funds asap. Payed both the XXXX on XXXX gift cards and the XXXX on XXXX cards on XX/XX/2023 from checking account. But now XX/XX/2023 still no wire transfer into bank account or no loan deposit of XXXX the so called amount that I signed in contract on that same day.so .so far that loan company has con me out of XXXX dollars and still havent received my so called loan money of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letters one in XX/XX/XXXX and the follow up in XXXX of XXXX to Experian and XXXX to remove addresses that do not belong to me. 
As well as unauthorized inquiries. 

Experian let someone change my primary address to a New York address that I have NEVER lived in. I googled the address it is a building with business. 

XXXX is listing apartments, which Ive never lived in an apartment, address that are associated with former employers and addresses that belong to deceased family members. 

This is absolutely an FCRA VIOLATION and is a potential fraud/identity theft issue. 

Ive included letters that I sent to BOTH credit reporting agencies and have received no response from either. I included my drivers license as well as a utility bill.
Product: Credit reporting or other personal consumer reports

Mid use of my name. Been denied many applications. Suffered with student loans
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX .has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Credit Reporting Errors To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit report related to the account from XXXX ( formerly XXXX ) as well as other errors that violate federal laws. Please see the details below : Account Information : Creditor : XXXX ( formerly XXXX ) Current Balance : {$8100.00} Status : Derogatory/In Repossession Dispute Details : 1. Request for Deletion of Charge-Offs ( XXXX XXXXSC 1666b , 15 USC 1681i , 15 USC 1681s-2 ) This account reflects a derogatory status with a charge-off. I dispute this reporting as erroneous and inconsistent with my records. Moreover, under the Fair Credit Reporting Act ( 15 USC 1681i ), creditors must ensure the accuracy and completeness of information furnished to consumer reporting agencies. 

If XXXX has issued a 1099-C for this account, the debt has been canceled, and any charge-off reporting should be deleted in accordance with IRS rules and 15 USC 1681s-2.

2. Request for Deletion of Late Payments ( 15 USC 1666b, 15 USC 1637 ( b ), 15 USC 1681s-2, 15 USC 1681i ) Late payments on this account are inaccurately reported. According to 15 USC 1666b and 15 USC 1637 ( b ), creditors must adhere to proper billing error resolution practices. Further, 15 USC 1681s-2 prohibits furnishing inaccurate information.

3. Request for Deletion of Collection Activity ( 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681e ( b ), 15 USC 1681s-2 ( A ) ) The collection activity associated with this account contains significant errors. As per 12 CFR 1006.34C and 12 CFR 1006.6C, debt collectors must provide accurate and detailed disclosures. In addition, 15 USC 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy in consumer reports. 

Errors in XXXX XXXX : Balance : {$8100.00} Incorrectly listed as In Repossession despite no repossession details provided. 

Reporting of derogatory status and charge-offs appears inconsistent with 15 USC 1666b and 15 USC 1681s-2 .

Actions Requested : 1. Delete all erroneous charge-offs, late payments, and derogatory remarks associated with this account.

2. Verify all details related to this account for compliance with 15 USC 1681i.

3. Provide written confirmation of the outcome of this dispute.

Enclosed Documentation : A copy of my credit report highlighting the errors.

Any correspondence or evidence supporting my claims.

I appreciate your attention to this matter and expect a response within the legally mandated timeline under 15 USC 1681i. Please contact me if further clarification or information is required. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I contacted citi back about a account opened in my name fraudulently- they located the account and the lady on the phone by the name of XXXX advised me she was going to close the account immediately- she put me on hold and the phone hung up-one of the times a representative told me they didnt see the account and then replied they had found it- I contacted them back and on three consecutive times I explained what at hAppened and was put on hold to the phone hanging up- very last time I asked to speak to a supervisor and I explained- she saw my issue and I asked her could she take the account just closed and correct my info opening a new account as identitytheft.Gov requested me to do and she said I needed to file a complaint and to contact their complaint department and the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, BANK XXXX XXXX XXXX account Number XXXX, XXXX XXXX XXXX account Number 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
Product: Credit reporting or other personal consumer reports

Target placed a late payment on my credit reports. I reached out to them to see if they could reverse it. They stated they couldn't. I've never had a late payment reported on my credit file.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the XXXX XXXX account does not belong to me
Product: Mortgage

On XX/XX/2022 XXXX foreclosed on my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Attached Exhibit A shows the foreclosure document. Carrington foreclosed on me prior to the 90 day wait period requirement. This 90 day wait period requires Carrington to not foreclose on me until 90 days have passed since the time Carrington can legally start that 90 day foreclosure clock. Attached Exhibit B shows the recission date of my foreclosure to be XX/XX/2022. Attached Exhibit C page XXXX shows the date I came out of the covid forbearance. The date is XX/XX/2022. This document states, " It is important to understand that your XXXX XXXX forbearance plan is ( set to expire or expiring ) on XX/XX/2022 ''. This means Carrington can not start the forbearance 90 day countdown until XX/XX/2022. From XX/XX/2022 until XX/XX/2022, the day Carrington foreclosed on me is only 47 days. This makes the act of Carrington foreclosing on me incorrect, illegal, and unnecessarily costly to me. Attached Exhibit C page 2 shows Carrington telling me, " your loan is no longer in forbearance, and we have resumed standard servicing on this loan. '. This is proof Carrington knew it was breaking the law when it foreclosed on my property 44 days early.
Product: Mortgage

I have a mortgage with BSI Financial. They have failed to apply my last XXXX payments to my account. In XX/XX/XXXX they apologized and said they can see my payments and they were held in another account. They apologized and transferred the payments. I have no other account. Today, XX/XX/XXXX I called and spoke to XXXX the BSI representative and she said she can already see the issue before I even told my story. She said their systems are not communicating with each other. She said she was taking my payments and applying them to my account. I also asked about the late fees being imposed. She placed a request for removal. My issue is that I pay my payment in advance. What about the person ( s ) that do not check or have the ability to call or email like I have done. If there is a system issue affecting thousands of mortgage holders and they are charging late fees for payments that are actual made are they not preying or stealing from the consumers? I want BSI investigated for illegal practices related to this issue. It seems like a game that once they are caught they just apologize and say sorry. Yet, I have to call and fight for something I already did. Plus, they are charging late fees for things that are not late. Something is devious in this behavior/practice. Please help the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Experian, XXXX and XXXX 3 fraud telephone accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX all reported lines open under my name after my wallet was stolen with all my personal information. I sent them copies of my police report and have disputed it over 4 times with each creditor, as well as with the companies. All claim to remove it but it is still showing up as a derogatory mark on my credit. When I call them they sometimes claim they cant even find me in the system, not even as a fraudulent account. I have paid credit repair companies to try to get it resolved, but it takes so long i can't continue to spend money for a fraudulent account. This has been going on with all 3 companies for the last 4 years, I have spent hours and hours on the phone, submitted police reports and proof of my stolen identity without this getting resolved.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 card or prepaid card

I canceled an order for a bed from XXXX XXXX on XX/XX/XXXX. XXXX from the Customer Service chat at XXXX XXXX stated that seeing the merchandise was not delivered the item was not charged on my card. I also spoke with the store on XX/XX/XXXX ( XXXX ) XXXX and was told there was no charge on the account. But Synchrony Bank is saying that XXXX XXXX put a hold on the account for {$4500.00} dollars. They are saying it will take 30-60 days to resolve the " dispute. '' So I called XXXX XXXX back and they keep saying there is no charge, and there should not be a hold and that if there is it is the credit card company that put the hold on. And in the meantime I am being given the run around between the two of them. I had to call Synchrony Bank three times to get someone on the phone because I closed the account and only then found out there was this hold on the card. The card is specifically issued by " XXXX XXXX/Synchrony Bank. '' I want the hold removed from the card and the account closed. I should not have to keep having to call Synchrony Bank only to be told the problem is with the " merchant '' and then call XXXX XXXX and have them tell me there is no hold and it is Synchrony Bank that put the hold on because there is not charge because the order was canceled. I have also filed a complaint with the Federal Trade Commission against XXXX XXXX.
Product: Mortgage

I was told my debts would be paid off with the XXXX I gave in addition to XXXX down.. 
Now they are saying they used the entire XXXX for down-payment and closing costs. They delayed closing for a month causing me to be homeless for a month ... over XXXX in hotel costs extra moving and storage fees XXXX .....