23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them since I have written several letters in the past and did not have this issue come up. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?
Product: Credit reporting or other personal consumer reports

You have my reports on the companies. Now XXXX won't let me get signed in. My phone has XXXX log in names and passwords for transunion. Its a XXXXXXXX XXXX And I never can get to dispute. They will let you download report. Call center is overwhelmed. You have to pay to get verified to talk to them on social media. And they just keep telling everybody that complains to dm knowing they XXXX XXXX make a XXXX  on what is supposed to be free to all XXXX. I'm a XXXX XXXX with XXXX and I paid XXXX XXXX  for a service to clean my cred for home purchase. It was destroyed again by your biggest predators, XXXX XXXX XXXX XXXX XXXX, with help from experian and XXXX. XXXX had XXXX mistakes. XXXX and experian have XXXX. And XXXX makes it extremely hard to correct. It's why I paid a service. Sorry for all the workload I've placed on ya 'll but I get no results anywhere else. Thanks for helping
Product: Debt collection

Hi, Pursuant to 15 USC 1692g ( b ) I sent a Notice of Dispute on XX/XX/XXXX to Orbit Leasing , Inc. notifying them that I was disputing the alleged account they have on my consumer report for the amount of {$6900.00}. I then sent out a Debt Validation Letter, along with a Cease and Desist on XX/XX/XXXX. It is XX/XX/XXXX and I have yet to receive a response from this company. I do not owe them, and will not pay for this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifax and XXXX all 3 report information that is not my identity since I have a XXXX XXXX with a similar name, I have notified it and it affects me to such an extent that because of this error I can not rent is a big problem and that again y don't do nothyng
Product: Credit reporting or other personal consumer reports

I was with XXXX XXXX XXXX for years back in XXXX until XXXX. Nothing changed on my credit report, yet i was still making monthly payments to them. My credit score stayed low and i didn't see any changes. They now have a lawsuit against them for these years i was paying them. I moved to another city and told them i no longer wanted their services because i was paying money for nothing. I'm trying to see do they owe me any compensation. Can you help me?
Product: Checking or savings account

On XX/XX/2022 I mobile deposited a check for {$1700.00} into my checking account. The next morning I went to log in to check the deposit and couldn't get into my account. Upon calling Chase, I was told that my account had been closed due to " inactivity '' ( the account was open the day prior when I deposited the check ) .The lady on the phone was able to reopen the account. She said that the check was on hold and the funds would be available XX/XX/XXXX. I logged in the next morning and my account was NEGATIVE {$1700.00} ( the amount of the check ). Upon calling again, I was told that the check was returned but no one knew why. I physically went to the business that issued the check and they took me to their bank to see what was going on. The bank that the check was drawn on said that the check had NOT been returned and hadn't even been presented to them yet. The lady at that bank suggested to put a stop pay on the check and have the business issue me a new check, which is what we did. I called Chase nine more times to find out why my account was negative the amount of the check. I finally spoke with a supervisor who informed me that CHASE had rejected the check the second that I deposited it because the image of the check was not readable ( blurry? ). She suggested that I redeposit it. I told her that a stop pay had been placed on it and that I was issued a new check ( which I did not deposit through Chase ). She adjusted my account back to a XXXX balance, which is what it was prior to this whole debacle. I thought everything was fixed and then I logged into my account yesterday ( XXXX ) and my account is now NEGATIVE {$1700.00} ( the check amount PLUS a {$12.00} returned check fee )! They couldn't read the check and rejected it and now all of a sudden they could read it?? It would be different if they had given me the money, I spent it and then the check was returned but the money NEVER hit my account! My account balance should be XXXX, the same amount as before I deposited this " rejected '' check. Now my paychecks are going to be direct deposited into this account and because it is NEGATIVE almost {$2000.00} all of my money will be sucked up to cover an overdraw that shouldn't be an overdraw! I have called and called and called and emailed and NO ONE can seem to fix this!! I need this fixed now!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 608 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer report agency can not furnish a account without my written instructions.
Product: Mortgage

Bank of America broke the rules. Bank of America has defrauded me and the bona fide purchasers of my home and real property. 

In the Bank of America letter of XX/XX/XXXX issued through their legal counsel, Bank of America represents and claims I was denied MHA HAMP and a MHA HAMP TPP on appeal in XX/XX/XXXX and XX/XX/XXXX based on th initial review of RMA applications. The referenced Bank of America XXXX letters are NOT denial decisions on appeal. The referenced Bank of America XXXX leters are, in fact, the required written resolution letters on lodged escalated cases. The XX/XX/XXXX response was issued in resolution of the XX/XX/XXXX CFPB case number XXXX detailing actions taken on the account to date at that time and is not a decision on appeal. When Bank of America represents to me this CFPB response is a determination on appeal, they are making a misrepresentation on a mortgage, Deed of Trust, and real property. The XX/XX/XXXX response was issued in resolution of an in-house esalated case and complaint detailing actions taken on the account to date at that time and is not a decision on appeal. 

Bank of America has a whole department staffed with qualified personnel whose sole purpose is to conduct reviews on timely requested appeals. Even Bank of America 's legal counsel ca n't tell the difference between ( and is unfamiliar with what is ) a SPOC/CRM issued correspondence and what that represents, what is a boiler plate template piece of correspondence generated through an automated system by document processing personnel, and what is a denial letter on appeal. It is costly and unfortunate Bank of America is allowing their legal counsel to be so mislead and, therefore, allowed to make misrepresentations to me. 

Whenever an appeal review is conducted, an Appeal Report is generated by the Appeals Specialist who conducted the review detailing their findings and determination on appeal. To date, Bank of America has produced only one ( 1 ) such document evidencing an appeal was actually conducted. 

I am the only constant player in this whole ordeal. No one knows better than I the who, the what, the how, and the why of what went down from start to finish during and throughout the loss mitigation processes. I have told the whole of it within XXXX Bank of America CFPB complaints ( XXXX if you count the one I lodged against XXXX as a debt collector ). 

All previously mentioned resolutions are desired and mandatory and are to include every single Appeal Report generated associated with this account to date evidencing an appeal review was, in fact, conducted and completed.
Product: Debt collection

On XX/XX/XXXX, I received a phone call from JP Morgan Chase Bank regarding an Amazon credit card account. The customer service representative asked me to pay {$400.00} at this time for an account that has been delinquent since XXXX of XXXX. I asked to speak to a supervisor and he got me in contact with an account supervisor named XXXX whose ID is XXXX. I told her due to the current COVID-19 pandemic I am unable to work like many other Americans and requested another deferment on the account. According to XXXX, on XX/XX/XXXX a letter was sent to my address, which she said waived four months of payments from XX/XX/XXXX - XX/XX/XXXX. All of the late fees were removed for non-payment. According to XXXX, she is not able to offer any more deferments on the account and asked that I contact a credit counseling agency at XXXX. Without a job it is almost impossible for anyone to payoff there creditors due to the COVID-19 pandemic. I ask for assistance with this issues because my bank XXXX XXXX XXXX XXXX has provided a deferment each month since the pandemic began. JP Morgan Chase Bank refusal to provide assistance will cause my credit score to go down even further.
Product: Credit reporting or other personal consumer reports

This affidavit serves as my formal and urgent demand for immediate action regarding fraudulent accounts and erroneous personal information listed in my Equifax consumer file. Your failure to prevent the inclusion of this false data is a violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), and I expect this matter to be resolved without further delay. 
Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B ( 15 U.S. Code 1681c-2 ) As a victim of identity theft, I have the right to request and demand the blocking of fraudulent information from my consumer file. Your failure to remove these fraudulent accounts is a direct violation of this section.

2. Section 609 ( 15 U.S. Code 1681g ) This section mandates that consumer reporting agencies must provide accurate and complete disclosure of all information in the consumer 's file upon request. Your continued reporting of false and fraudulent information violates this provision, as the data in my file is inaccurate.

3. Section 611 ( 15 U.S. Code 1681i ) Under this section, Equifax is required to investigate disputed information within 30 days. Your lack of proper investigation and failure to remove erroneous entries demonstrates negligence and is a breach of your legal obligations. 
4. Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) This section requires you to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Your blatant disregard for this responsibility by reporting false
Product: Mortgage

My husband works for XXXX XXXX. He will find out today if he is temporarily out of a job. Trying to be proactive, like everyone tells us to do during this time, we contacted our mortgage company, Mr. Cooper. I was directed to the Forbearance Department and spoke with a woman named XXXX. When I explained to XXXX what our issue may be and what our options would be during this Covid-19 time she told me I had 3 options. The first option was to refinance our loan but that it wouldn't be approved since we don't have any income, the second would be a forbearance option but that would only be postponed for 1 month and after that it would have to be paid in full. The 3rd option was basically losing our home. I've always been very happy with Mr. Cooper but am very disheartened that during this time those are the only options. Basically Mr. Cooper isn't willing to help anyone during this time. This has made our stress level even worse .possible no income and no support from our mortgage lender. If we get through this and still have our home we will be leaving MR. Cooper real quick. I will be reporting them to every agency that I can ... ..would n't the governors and political figures love to hear this during this time.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX closed my account. And that's fine. The statement close date is usually the XXXX of each month. I recently paid the card down to XXXX XXXX XXXX XXXXXX/XX/XXXX and the card is still showing a balance on my credit report. 

They normally would post the statement if there was a balance on it. But i find it odd that now there is no balance on it and it's going on 2 months that the same information is being reported on my credit reports about a card that has been paid in full for a while now.. 

I called the company and they told me to call the credit bureaus. I call the credit bureaus and they tell me to call the company. This is insane that this is remaining on my credit report and is paid in full. It's damaging my credit profile.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX last XXXX digit SS # XXXX todays date XXXX I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. P.s This is holding me back from getting a new job, funding and a NEW HOME FOR MY FAMILY Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance : {$260.00} XXXX XXXX XXXXXXXX XXXX : {$420.00} XXXX XXXXXXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$180.00}
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accountXXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 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 card or prepaid card

I wrote XXXX/Continental Finance Company on XX/XX/XXXX for a goodwill adjustment. On XX/XX/XXXX, I received a letter back stating the adjustment would not and/or could not be modified or delete the request. I again wrote again to XXXX/Continental Finance Company on XX/XX/XXXX and received a letter back XX/XX/XXXX stating the same exact thing a before, the adjustment would not and/or could not be modified or deleted. I have called several time and spoken with many representatives there and the late payment that is reporting for XX/XX/XXXX could not be verified in the system. I have also emailed the customer service email address trying to rectify this issue.
Product: Checking or savings account

We have XXXX business accounts with Wells Fargo. On each of the following dates we had {$25000.00} taken from the accounts. XX/XX/XXXX. ; XX/XX/XXXX. and XX/XX/2024. I noticed on the afternoon of the XXXX. at which time i wen to the bank the next morning ( Thursday the XXXX ). I sat down with one of the bankers and reported it. The banker tried to help me reset the password to the my Wells Fargo App. However, it seemed like someone had infiltrated and programmed and locked in another telephone number. We found ourselves having to close both bank accounts and deleted the Wells Fargo App. 
Thereafter, the bank representative connected me with the fraud department. At which time they asked me a series of questions ... ... ... .. Did i loose my phone? Did I replace my phone? Did I share my password with anyone? Did loose my debit card? All of which i replied NO. Thereafter, it was conveyed that an investigation would take 10 days. Upon the 10 days elapsing. I tried calling the fraud department numerous times. But was not able to reach them. I went to the bank this Friday again. I was put in touch with the fraud department. They conveyed they though I shared my password... I replied that was absurd! and was NOT SO! I have in touch my attorney since. And have escalated the claim ... May also state. That i have been banking with this bank for many years and have been in business for 25 years and while i have had only similar issues with the same bank ( not other banks ). Its extremely upsetting to know that the bank has such a lapse in security! There is certainly an issue with there online security that needs to be shared with other consumers! Wells Fargo reference case reference are as follows : # 's XXXX and XXXX
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 


Items that need to be disputed : XXXX For FTC XXXX XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX CARD Date of Inquiry XX/XX/XXXX XXXX  For FTC XXXX XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX For FTC XXXX XXXX CARD XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} - Late/closed
Product: Debt collection

I've disputed account on multiple occasions. Amount is not correct. Account was charged off and closed. I did not sign a contract with Calvary Portfolio. I do not owe Calvary. I did not take out anything with Calvary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a letter from Lexington Law ( Please see attached ) that I reached out to their company requesting their help on XX/XX/21. I never reached out for their help. 

Ironically, on XX/XX/21 I had another identity Fraud Case with XXXX XXXX occurred to me. Their was another party that tried to gain a personal loan for a XXXX subscription and it was denied because the could not confirm my identity.
Product: Credit card

I filled out a application for Capital One on XXXX XXXX for Capital One they pulled my credit and then contacted me and said I needed to fill out another application that they did not have my social security number so I reapplied and another credit report was pulled. XXXX has already fixed the problem. XXXX and XXXX need to remove XXXX of the hard pulls each like XXXX did. It was Capital One Fault that this occurred. The records will show this. XXXX is on the reports according to XXXX. 
Thank You XXXX XXXX
Product: Checking or savings account

I purchased a television from a friend advertised as new on XX/XX/2023, for {$300.00}. My friend tricked me into buying a dilapidated tv. I initially contacted TD Bank back in XXXX and told them that I was dealing with this situation but that my friend was going to pay me back. They advised me to hold off and wait to see if the friend would pay me back. The situation has escalated recently because the friend has no intention of paying me back. His father was arrested due to scamming. My friend and his father are both scammers. TD Bank is not being helpful at all in this situation.