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

Subject : Notice of Dispute Regarding Inaccurate Bankruptcy Records To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading bankruptcy information currently being reported on my consumer report. This information is incomplete, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and completeness in consumer reporting. 

The disputed bankruptcies are as follows : Bankruptcy Filing Number : XXXX Filing Date : XX/XX/XXXX Disposition : Dismissed Disposition Date : XX/XX/XXXX Bankruptcy Filing Number : XXXX Filing Date : XX/XX/XXXX Disposition : Dismissed Disposition Date : XX/XX/XXXX Why This Information Is Inaccurate Both of these bankruptcies were dismissed, meaning they are legally invalid and should not appear as unresolved or active on my consumer report. Reporting this inaccurate information harms my financial reputation and violates FCRA 607 ( b ), which requires maximum possible accuracy in reporting.

Actions Required Under FCRA 611 ( a ), I am requesting the following actions : Conduct a thorough reinvestigation of the disputed bankruptcy information.

Verify the accuracy of the information with the original source.

Remove these records immediately from my credit report if they can not be verified or are inaccurate.

Additionally, please provide me with written confirmation of the results of your reinvestigation and a statement that these records have been deleted, if applicable.

This dispute is made pursuant to my rights under the FCRA. You are required to complete your reinvestigation within 30 days of receipt of this letter. Failure to do so will be considered noncompliance with federal law, and I will take further action if necessary. 

Please send all written responses to my address or via email at XXXX. 

Thank you for your immediate attention to this matter. 

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

REPORTING FRAUD ON THE   XXXX   MAJOR CREDIT REPORTING AGENCIES. 1.  XXXX    XXXX   XXXX   XXXX    XXXX , TX  XXXX  / 2.  XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX . 3. TRANSUNION   XXXX   XXXX   XXXX   XXXX   PA  XXXX  / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE STATE MEDICAL INSURANCE. I BECAME   XXXX    IN   XXXX   MONTH OF   XX/XX/XXXX .  ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY STATE MEDICAL INSURANCE HEALTH PLAN. PASS AND PRESENT. 1.   XXXX   XXXX   XXXX     XXXX   ID MEDICAL CARD NUMBER   XXXX   / DATE OF BIRT H   XX/XX/XXXX  / 2. STATE OF CALIFORNIA HEALTH INSURANCE ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIR TH   XX/XX/XXXX  / 3.   XXXX    HEALTH INSURANCE ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   XXXX  AND  XXXX   XXXX   ) ) )
Product: Debt collection

First they put in my credit report that I owed them {$2500.00}, then they decided to bring it down in my credit report and sue me for {$2000.00}. They sent me a paper dated XXXX/XXXX/2016 their math was off. 
XXXX unpaid rent plus late fees ( This is for two months rent that no one lived there and the lease was satisfied, ) {$770.00} for cost to repair damage. {$560.00} was for a furnace on XXXX/XXXX/2016. No one lived in the property form XXXX2016 They only credited us for {$470.00} deposit, when it was {$650.00}. 
That would leave the remanding balance of {$1800.00}. 
This was pointed out to the collection agency. They said they would change it, but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file with trasnsunion. checking my file ive noticed alot of errors that are causing denials on my file. this has been an issue for a long time an never corrected. please review an remove the listed items in question to delete an correct my credit report asap.
Product: Credit card or prepaid card

I WAS CHARGED FOR SOMETHING THAT I DID NOT AUTHORIZE ON MY BARCLAY XXXX CARD FOR XXXX. CARD ENDING IN XXXX. MY HUSBAND AND I WROTE A LETTER TO THE CREDIT CARD COMPANY AS SOON AS WE SAW THIS CHARGE ON OUR STATEMENT IN XXXX AND REPORTED IT. THEY PUT THE CREDIT ON OUR CARD AND THEN TOOK IT BACK. THIS HAS BEEN AN ONGOING PROCESS WITH THEM. I HAVE REACHED OUT TO THEM AND THEY WERE VERY NASTY TO MY HUSBAND AND I AND SAID THAT WE WERE TOO OLD TO REMEMBER WHAT WE DID, THAT WAS SO UNCALLED FOR WHAT THEY SAID TO ME. WE HAVE BEEN GOING THROUGH THIS SINCE XXXX AND ITS STILL GOING ON. MY HUSBAND IS NOW XXXX AND IM SICK MYSELF WITH XXXX. PLEASE HELP ME TO GET MY MONEY BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that the companys didn't make sure was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, I find that untrue when there are several inaccuracies showing on my report. 
As a consumer, I request to know all the measures that were taken to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 
I have asked the credit berues for their results and they have failed to show proof or delete/update the items I personally told was inacurate.
Product: Bank account or service

This complaint is a follow up complaint to XXXX I submitted in early XXXX against US Bank. In XXXX I closed my bank account with US Bank, which was connected to a credit line for overdraft protection. In XXXX of XXXX I was notified through a collection caller that I was past due on payments with US Bank. This was puzzling because the only account I had with US Bank was the XXXX I closed in XXXX. I contacted US Bank that same night and they informed me that from XXXX XXXX somebody had made multiple purchases online for around {$1.00} using my account. This triggered the credit line to kick in as overdraft protection ( because again the account was supposed to be closed in XXXX, so it did not have a balance ). I submitted a fraud claim that night for both the fraud on a checking account ( that should 've been closed in XXXX ) and the balance on the credit line, which was triggered because of the fraud committed. US Bank recommended I make a payment to stop the collection calls to my father 's house. So in early XXXX I made a payment of {$70.00}, a couple days after that US Bank decided to contact the credit bureaus ( only after I made the payment under their recommendation in XXXX ). I am not sure why it took US Bank 11 months to decide and report this to the credit bureaus, or why I did not hear from US Bank until XXXX about these charges. 
After making several calls to US Bank and visiting a branch office, I contacted CFPB because US Bank was not responding to inquiries around my fraud claim. Once CFPB contacted US Bank, US Bank finally provided me a respond that raised more questions than it provided answers. Thus, I contacted XXXX ( my point of contact ) from US Bank and NEVER heard from her. I left various messages. I then contacted costumer service multiple times a week for two weeks straight, and all they kept saying was somebody will call you within XXXX48 hours, but nobody has. I am frustrated with the time I 've wasted in trying to resolve this issue with US Bank, while US Bank ignores me and continues to report incorrect information to the credit bureaus ( my credit score dropped from a XXXX to a XXXX ). I am infuriated that US Bank has so easily destroyed the years of work I 've put into raising my credit score. 
CFPB please ask US Bank to : 1. Complete its investigation of my fraud claim ( both to checking account and credit line ), according to their policies they have 90 days from when I submitted my complaint to investigate. I submitted my complaint in XXXX and still have not received a substantive update. 
2. Respond to my past and future inquiries about the investigation in a reasonable time frame ( XXXX hours ). 
3. Eradicate the charges made to the credit line and any interest that has accrued. 
4. Remove the negative reporting to the credit bureaus regarding my credit score. As mentioned, the credit line was triggered by the fraud committed on my checking account ( which again, should 've been closed in XXXX ). 
5. Refund me the {$70.00} that I paid to stop the collection calls as recommended by US Bank. 
6. Certify that no accounts under my name continue to be open.
Product: Money transfer, virtual currency, or money service

In XXXX I established wire transfer for the amount of {$5000.00} to be sent to XXXX for the purpose of making a down payment for apartment. The party in XXXX did not receive the transfer yet. TD bank is not able to give an update of what is going on. It is frustrating since I can not find any one to help. I am not able to find anyone in TD bank to solve my issue. Please help urgently. 
Thank you Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

Once again experian is deliberately not fixing my account because of complaints I have filed 16 months worth of on time never late payments to XXXX To pics of experian own website shows thy are not telling the truth
Product: Credit reporting, credit repair services, or other personal consumer reports

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

I've disputed the accuracy of my payment history on two of my XXXX XXXX accounts. Disputes made through each credit reporting company and all continue to come back verified as accurate. I've sent certified mail and called reguarding this information and requested documents that show the verification. I have yet received and documents and the inaccurate reporting still shows on my credit profile. 
Delete the late payment history and update the accounts and report them properly to all three credit reporting companies. XXXX, XXXX, and XXXX, each credit reporting company should all have the same exact information nothing should be different.
Product: Debt collection

Company has placed 2 separate hits to my Credit score for 2 separate amounts of {$70.00} and {$140.00} placed on two different dates. Company has repeatedly called and filled up my inbox while they themselves have repeatedly received reports of harassment and violating privacy clauses. I do not owe this debt to Holloway Credit Solutions. They are creating debt I do not owe to them. I paid my medical bill to my DR at the time of rendered service and was billed extra for charges I was explained by my  doctor that were already covered in the {$170.00} I paid. I had an additional visit COVERED BY XXXX XXXX XXXX  INSURANCE SO THIS IS FRAUD.
Product: Debt collection

Debt Recovery Solutions is demanding payment from me for an odious debt that they have not legally validated as required by law as belonging to me much less that I have any legal obligation to honor a debt that has not been legally validated as being mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX  XXXX. I had a total of XXXX missed payments ( XXXX missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, XXXX and Experian on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from Experian called me. We then called XXXX XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from XXXX  on this matter.
Product: Credit card

I opened a dispute for unauthorized charges on my credit card several days ago. My previous card was shut off with a new one shipped to me, however I havent been credited for the amount lost due to fraud. Prosper representatives have not given me any information about when I can expect the credits. It seems they are trying to hold me responsible for charges I didnt make, despite having a zero liability guarantee. 

I need the amount of these transactions to be credited back to my card so I dont have to pay for fraudulent charges when my statement closes in approximately one week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; MAJR FINANCIAL is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. MAJR FINANCIAL is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : MAJR FINANCIAL XX/XX/21. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.
Product: Debt collection

My ex girlfriend and her family have been constantly getting calls and voicemails from this debt collector. On XX/XX/XXXX he used my ex girlfriend information through social media and called her mother who lives in another state and told her about my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I paid for a membership with Experian to get my " credit score '' so I could prepare properly for applying for a mortgage. 

To my dismay, the score they give you when you pay them is an erroneous score that has no connection to reality. I have since learned that Auto dealerships, credit card companies and mortgage companies use different scores.

Experian gives you a " Score8 '' product that they peddle as accurate when NO mortgage companies use that score. 

In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. 

This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined MILLIONS for the harassment of the American people like me.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX CARD XXXX Balance Owed : {$780.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$880.00}
Product: Debt collection

I am asking for help with the following account XXXX XXXX XXXX  account # XXXX in the amount of {$370.00} because I submitted a debt verification letter asking them to validate the debt and they did not provide me with any information to show proof that I owe this company any money. Then I submitted a dispute, by mail showing Experian the inaccuracies of this account, and their noncompliance in providing me with a fair investigation. The account is being reported differently across my credit profiles. This debt is predatory, and Experian is complicit with the collection agency by reporting inaccurate information on my credit report that is misleading and damaging to me. 

According to the FDCPA and FCRA the company is in violation of XXXX : XXXX USC XXXX, XXXX USC XXXX ( 5 ), XXXX XXXX XXXX f 1 etc.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Upgrade , Inc. for their failure to honor a financial hardship program and the resulting negative impact on my credit report. Despite repeated assurances and acknowledgments of their error, Upgrade , Inc. has failed to resolve this matter for over XXXX months. 

In XXXX, I was experiencing significant personal and financial hardship due to the following reasons : Separation after a XXXX relationship, leaving me homeless. 
The tragic death of my sister, for whom I was responsible for handling all affairs. 
The resumption of a {$1500.00} per month student loan payment, further straining my finances. 

I communicated these issues to Upgrade , Inc., and XXXX separate agents assured me that I qualified for their financial hardship program. They agreed to place me on this program, which would have allowed me to defer payments until XX/XX/year>, by which time I would be able to resume payments as normal. Unfortunately, despite these assurances, Upgrade , Inc. failed to enroll me in the hardship program, and I was subsequently reported as delinquent for XXXX months of missed payments. This severely damaged my credit score. 

In XX/XX/year>, I contacted Upgrade , Inc. to resolve this issue, and they admitted multiple times that they had made an error by not placing me on the hardship program as promised. They agreed to correct the reporting with the credit bureaus, changing the status to " No Data, '' which is what should have been reported had they followed through on their commitment. They also promised to send a creditor courtesy letter stating the corrected dates. However, none of this has happened. 

Over the past six months, I have made numerous attempts to resolve this matter. Every time I speak with Upgrade , Inc., they acknowledge their mistake and assure me that they will correct the credit reporting. Yet, they have repeatedly failed to take any action. They have also failed to send the promised courtesy letter. 

The ongoing lack of resolution has caused significant damage to my credit, despite Upgrade , Inc.s clear admission of fault and continued promises to fix the issue. I am seeking CFPB 's assistance in ensuring that Upgrade , Inc. follows through on its commitments and corrects the inaccurate credit reporting.
Product: Debt collection

This is my 2nd complaint in regards to this collection. The original complaint : XXXX, concluded that Collection Information Bureau , Inc. will resend account statement of collection. I contacted the company requesting the ORIGINAL invoice document. I was informed that the original amount was {$25.00} plus accumulated interest and the documents had been sent some time between XXXX/XXXX/XXXX to date. I advised that I DID NOT receive any documents until XXXX/XXXX/XXXX as a result of completing a credit check and noticing said account indicated as collections on my credit report with one credit bureau and not the others. The employee arrogantly informed me that notices were sent in the past ; however was unable to provide specific dates of when notices were sent out to me. She arrogantly stated, " We are not going to keep sending letters! '' I asked if the document was sent via certified mail and the employee responded that mail is not sent certified from their company. She also informed me to send a money order to the address listed and then I will receive an invoice receipt. I refuse to send a payment to an organization that has failed to provide the ORIGINAL invoice that is not dated 5 years later or the originating proof of said account, as this is my right as a consumer. I am requesting original documentation from doctor indicating amount, as I have always had health insurance and doctor 's offices do not render services unless co-payment is paid first, as well as proof of date the notice was sent. I also noticed that this collection agency had an incorrect mailing address on the summary of account that was just mailed to me after I submitted the original dispute. During my telephone contact today ( XXXX/XXXX/XXXX ) is when my address was corrected.
Product: Mortgage

Please see Current open case # XXXX XXXX Loan update XXXX XXXX XXXX, XXXX The loan application origination date of XX/XX/2019 continues with mistakes and delays. Im really not sure why I continue to remain with only a loan processor when we are approaching the 90th day of the application. 

Most recent item of delay is : I received an incorrect and out of date Appraisal for my refinance and given a value of my property substantially less than its value and then was told I would not qualify for the original loan rate I was approved for. I was even sent the incorrect Appraisal referencing another lender and different owners, I had to send this incorrect copy back to XXXX XXXX in order for them to take my word that the appraisal they have on file is incorrect. I believe at this point a Supervisor should be involved in this loan by now, although I am still at the beginning stages with a loan process ( not even a loan processor leader ). 

Could I have some assistance with this matter? I continue to receive additional delays and am still currently awaiting the correct appraisal.
Product: Mortgage

My mortgage servicer, Nationstar Mortgage, neglected to pay the homeowner insurance on my home resulting in the canceling of my policy, and leaving me uninsured and vulnerable to loss. All while collecting escrow and refusing to allow me the responsibility of paying the insurance and real estate tax myself.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX