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

Dear Experian, I am writing to you to dispute the accuracy of the credit information on my credit report, which was recently sent to me. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify, through the physical verification of the original signature contract, any and all accounts that you post on a credit report. Failure to comply with this requirement could result in fraudulent accounts being added to the credit report, which could negatively affect my ability to obtain credit.

Therefore, I am requesting that you provide me with verifiable proof ( an original Consumer Contract with my Signature on it ) for all accounts that you have listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, and under the FCRA, unverified accounts must be removed. If you are unable to provide me with a copy of verifiable proof, you must remove the following accounts immediately : XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that you add a Promotional Suppression to my credit file and remove all accounts that are not METRO 2 COMPLIANCE.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ). I am keeping a careful record of your actions, including Method of Verification, and I DO NOT CONSENT TO e-Oscar or any means of automated verification. Be advised that the description of the procedure used to determine the accuracy and completeness of information is hereby requested as well, to be provided within 5 days of the completion of your re-investigation.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : Defamation Negligent Enrollment of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please send an updated copy of my credit report to the above address. According to the FCRA, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

My contact information is as follows : XXXX Finally, please be aware that depending upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the following organizations : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of consumer complaints Thank you for your time and assistance in this matter. 

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

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with XXXX XXXX XXXX XXXX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX Creditor Name : XXXX XXXX, XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report sugg
ests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting or other personal consumer reports

. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

I HAVE ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AS EVER DOING ANY BUSINESS WITH THESE COMPANIES.

PLEASE DELETE THE FOLLOWING ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a new American Express account in late XXXX I requested a balance transfer and got a letter dated XX/XX/XXXX that the transfer was approved for {$5000.00} to XXXX XXXX. I do not have a gulf oil account. 
I asked for the transfer to a different account that did not happen Ive called weekly since then and matter is still not resolved
Product: Student loan

I have contact Navient and the company has not been very helpful. First, I enrolled in school so Navient placed my account in deferment without my permission or my request. Navient could have contacted me and asked if I wanted to be placed in deferement but they did not. This was not helpful because I am currently in a program and if my account is in deferment, my payments does not count towards my 120 months of payment, making my time in the program longer. Navient has not provided me information or clarification on how my account balance has grew from {$87000.00} to {$100.00}, XXXX. I do not know how, why. or when the balance on my account increased and my account history does not reflect the changes or increase. That is a problem because as a consumer, I should always be aware of the changes happening to my account and I never received a notification or update stating my account balance has increased. Navient has failed at educating me on why these changes have happened to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX I was reviewing my credit report and noticed that their are some fraudulent activities on my credit report and the following accounts are being submitted to the be blocked and deleted from my credit report : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX Acct : XXXX Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I am really upset that Honda reported me as being 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, and then 90 days late in XX/XX/XXXX. I had a mortgage company pull my credit report and noticed that the erroneous delinquincy they are reporting is hurting my credit score by over 100 points. I have never had a late payment with any creditors in my life. But the fact that Honda is, I was denied. Now I did look at my credit report and see that they are reporting my high credit or limit at {$370.00} for this car which is not true so I did my investigation and saw that this is actually a violation of the Fair Credit Reporting Ac. Why is it that a company like this can hurt my credit when it was something that I paid? I never received proper notification or any phone calls that I owed this money.
Product: Mortgage

Despite numerous attempts to provid the proof of all insurance which is through XXXX the company is claiming that we have not provided he information. They are trying to make us pay for insurance coverage that they provide even though there has not been any gaps in our coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has now been 30 days since my dispute with the company. None of the account listed in my documentation has been notated as disputed, remove during the investigation, nor have I received any kind of communication of dispute. 
Transunion has been negligent during this investigation and is in violation of 15 USC 1681i. 
see attached documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to transunion on a bankruptcy that they have showing in my credit file. I requested an investigation in which it came back verified in XX/XX/XXXX. I sent out a letter to request their description of procedure on XX/XX/XXXX and I still have not received any information from this company, required under section 611 ( a ) ( 6 ) ( B ( iii ). I spoke to a rep at transunion and he notified me that they do not have to provide me with this information nor would he tell how it was verified. What he said was it was the federal courts who verified this information. Their website states XXXX XXXX  was the third party vendor for cases before  XXXX. Currently they are using XXXX to verify XXXX and later. I wrote a letter to the courts and also called them to clarify. They state that they do not verify or report information to credit bureaus. It is pulled from public records. This company knowingly gave false information to relieve themselves of their obligated duties to conduct an independent investigation into this matter. They also failed to provide me with their description of procedure and documentation that was provided to them that helped to verify this alleged bankruptcy showing in my file. I spoke with a rep over the phone on XX/XX/XXXX and disputed information again. No less than 24 hours the investigation was " complete '' with no results. The item still remains on the report so I am unaware of what happened in this supposed investigation. This company has a bad reputation of not properly handling disputed and incorrect information. ( Ref. Cushman vs. Transunion 1997 ). This company is very non compliant when it comes to upholding the laws.
Product: Credit reporting or other personal consumer reports

My XXXX XXXXXXXX credit card, Balance says its at {$130.00} with 44 % credit utilization, which is not correct. 

I WANT IT UPDATED TO THE CURRENT BALANCE & credit utilization to be updated as well
Product: Mortgage

On XX/XX/XXXX of this year, I went to my credit union to make a wire transfer to Bank of America to pay off my mortgage. I had in hand a payoff letter from BofA with instructions on making the wire transfer. The instructions were somewhat sketchy, and there was no information on how to provide my loan number so that the transfer could be applied to my mortgage account. I made a guess about what data element should contain my loan number, and I called the BofA mortgage department while I was sitting in the credit union to confirm that I should do it this way. The rep said he thought that was probably fine so we went ahead. 

The next morning I got a phone call from my credit union saying that BofA had bounced back my wire transfer because they couldn't apply it as formatted, and they withheld {$45.00} from the amount they returned. I went back to the credit union and we did another wire transfer and this time I tried the other possible way to fill the data elements. This time it worked. 

I have contacted BofA multiple times over the past week to discuss getting my {$45.00} returned to me - I did the best I could with the payoff letter and my bank rep didn't think there was anything wrong with what I did. No one at BofA can even see the {$45.00}, because it wasn't a fee charged, it was an automated penalty done by computer and it's not associated with my loan. 

This is theft. It is not like I wrote them a check that bounced. There was plenty of funding sitting there in the transfer and no human had to intervene to return the money, the computer just helped itself to my funds. Nobody at BofA to whom I have spoken even offered to send me a check as a courtesy to make me go away, despite the absolute certainty that I have used more than {$45.00} of their staff resources trying to get an answer to this question. 

If this is how BofA is going to operate, they need to disclose in their payoff letter that a penalty may apply if you get the transfer wrong, and they need to make their payoff letter more explicit as to how you format the wire transfer. 

I have documents of the wire transfers and the payoff letter, I can provide them if they are needed but currently they are not in electronic format.
Product: Student loan

I received a letter from MOHELA telling me that I am not eligible to qualify for the student loan forgiveness. They don't answer phone calls! No way to communicate with them. 

They stated that I have only 2 qualified PLSF Qualifying payments ( Public Service Loan Forgiveness Program ). They say I don't qualify XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 15 years! ( Florida ) XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/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 XXXXXX/XX/XXXX ) PLEASE HELP!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Please remove my personal information ), you can leave my name only.
Product: Debt collection

On XX/XX/2020, I received an alert from XXXX  that {$1600.00} debt was placed on my XXXX  credit report by Midwest Recovery Systems. Have no idea what for, never received notice of debt or right to dispute.
Product: Checking or savings account

Chime Bank allowed a merchant to overcharge my card {$400.00} extra dollars the purchase was only supposed to be for {$80.00} the purchase amount that was processed was {$480.00} this is clearly a error a provisional credit was provided for {$400.00} at the time falsely did an investigation after I sent the receipt proven I only spent {$80.00} they still charge my car {$400.00} and now it's in a negative {$400.00} clearly this is a breach of contract
Product: Checking or savings account

I signed up for apromotional offer to receive a bonus for starting a banking account. I met the requirements and they said i didnt open the account on the correct webpage. I opened the account, ostensibly used the right promotion code and now they dont want to pay the bonus they advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband had a USAA credit card XXXX  since XXXX with USAA BANK. In XX/XX/XXXX bank reported him 30-days-late. 5 months later in XX/XX/XXXX after being married in a month before in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me 30-days-late on the account for XXXX. I did not have the card in XXXX. There is no way I could have been late as I did not have a card or no obligation to pay. I have asked the USAA Bank and the CRA 's to remove the account. They have failed to do so. This is in violation of federal and state laws.
Product: Debt collection

I contacted in regards to a supposed debt, and stated I do not believe the debt that is reporting on my credit report is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently noticed that a reporting agency has been reporting a debt to the  XXXX  credit bureaus that is not mine. When I contacted the company, they can not tell me how this happened nor do they see anything related to my name on this account however we share a social security number which is impossible. The original account was opened in   XXXX   at which time was only  XXXX   years old. Thi s person is not a family member or a friend of my family. The only commonality between us is that she lived in the apartment I currently reside in.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. 

On XXXX XXXX, 2019, ONEMAIN FINANCIAL add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose. My written authorization. Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I was incarcerated in XXXX until XXXX of XXXX this account was opened in my name in XX/XX/XXXX before my release. I have provided all necessary documentation to credit bureaus a the company XXXX XXXX showing my proof of Incarceration at the time. Under FCRA laws 605 ( b ) identify theft laws .The credit bureaus did not block this information from reporting to my credit report, neither the required time length stipulated by law.The credit bureaus XXXX XXXX experian, XXXX  none of which did a thorough investigation of this claim of identity theft nor proved to do it by the time length given by the FCRA laws. I have submitted FTC report, police report, identification, SSN number, proof of incarceration from Illinois department of corrections, and account information about when opened.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.I want the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent etters into the three credit companies Transunion, XXXX and XXXX. I requested to have the copies of the original documents or documents used to verify the information that has been placed in my file by XXXX account number XXXXxxxx and XXXX XXXX account number XXXXxxx the companies have not given anything documentation as required by law under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have also made many attempt online and over the phone to get this information and have not been successful.
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 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
Product: Credit reporting or other personal consumer reports

2 months on XX/XX/XXXX I had these same issues of fraud on my credit report. I sent letters and no response. I called about this and I cant even get a home Im in PROCESS with because of the fraud on my credit and all 3 Bureaus are impacting my family Due to the Equifax data breach, XXXX XXXX XXXX  and XXXX  XXXX Data breaches been going on Im exposed and need Fair treatment.!!! Attached are the proof