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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX & XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of several items on my credit report. These items were previously investigated and successfully removed from my XXXX credit report between XXXX and XXXX of XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report.

Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, furnishers of information are obligated to report accurate information to all credit reporting agencies. Since these items have been deemed inaccurate and removed from my XXXX report, the same action should be taken by Experian and XXXX to maintain accuracy and consistency across all my credit reports. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) emphasizes the importance of accurate reporting by debt collectors. Under Section 807 ( 15 U.S.C. 1692e ), debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. This includes the reporting of false information to credit bureaus. 

The items in question, which should also be removed from my Experian and XXXX credit reports, are as follows : XXXX. Item : Address XXXX XXXX XXXX, XXXX ; XXXX - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX ( collection ) - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : Inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX XXXX - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> I request that you reinvestigate these items and remove them from my credit report. Attached you will find all relevant documentation supporting my claim, including correspondence and my credit report from XXXX showing that these items have been deleted. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these items have been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said their INVESTIGATION determined that my identity theft ( which was acknowledge by the IRS ) was / is unrelated to the use of my information to get medical treatment. The IRS does not respond to 3rd party requests. It is very difficult for me to get through to the IRS on my own account. So how did XXXX arrive at that conclusion My signature is not shown or seen in any of the documents given XXXX XXXX has sent me a bill with a different address than my own from XXXX. 
The address written in for the affidavit was the address used at the time of fraud I have NEVER resided at XXXX XXXX XXXX XXXXXXXX in XXXX XXXX XX/XX/XXXX is the date of the letter not the date the letter was actually sent. No correspondence From XXXX was received until XXXX XXXX A spreadsheet with names and numbers does not verify this accounts as being mine. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX ( please see attached docs ) In their response to the CFPB XXXX claims to DEMOGRAPHIC information provided by XXXX. What information would that be? 
XXXX XXXX 's investigation and reporting are not lawful
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Equifax. There is no name associated with this file & needs to be deleted due to inaccurate information. Credit Bureaus are bound to comply with the FCRA regulation but you never cared nor paid any attention to my Disputes. Please see the account which I am referring to below : Original creditor : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm an account holder with credit karma. I was told I had outstanding approval odds back in XXXX which is the highest that you can possibly get when given approval rating. I applied for the credit card and was denied saying I could not get it due to my credit. Next thing I know, my credit score drops! Basically I was lied to by Credit Karma and told that I was able to get a credit card without standing on and then they denied it. Apparently I'm not the only one and I just read that credit karma is going to have to pay {$3.00} million to those that they have done this to. I don't know how to get on that list but I have screenshots and my account can prove that I am one of the victims of this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was listed by XXXX  to be closed this month XXXX. Account is not closed but date was changed from XX/XX/XXXX to XX/XX/XXXX. Account has incorrect data and should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. I believe it happened at a Costco gas station at XXXX XXXX XXXX XXXX XXXX Fl. XXXX. I bought fuel XXXX XXXX. On XXXX XXXX XXXX my address was changed and a Citi card was open with my name. The address was not my address and I did not open a new Citi card. I found out by not receiving mail and a water company emailing me that a bill was returned. When I went to pay the bill I received the letter from them with the fraudulent address attached to the letter. 
I filed a complaint with the post office, notified the credit card company and put a block on my ID. with XXXX and they told me to file a complaint with you. 
The address they used was XXXX XXXX XXXX XXXX XXXX AZ. XXXX
Product: Credit reporting

I received a bill from XXXX XXXX for an account that I do not have with them. I called their fraud department to report this. I am filing a police report about this fraudulent account. My credit report shows that on XXXX/XXXX/15 that XXXX XXXX made a credit inquiry on me in order to open an account. I have contacted all XXXX credit bureaus and placed a fraud alert on my credit report for the next XXXX days.
Product: Credit reporting or other personal consumer reports

inquiry from XXXX XXXX XXXX XXXX. This is not mine. I've already reported this to XXXX. Transunion still hasn't removed this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Product: Credit card

Best Egg received payment in full of my balance in XX/XX/year>. They failed to update the balance on my XXXX. I disputed the balance as incorrect to all XXXX XXXX. Best Egg continued to claim I owed the over $ XXXX balance even after their website clearly showed the payment had been received, posted to my account and a XXXX balance showed in their website. They did not respond to emails and when I called, I was given the run around and told to send my dispute to yet another email address to their " back office '' which also failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This communication is to put you on notice that you are furnishing inaccurate and incorrect information to my consumer report. The reporting of such inaccurate information has caused severe damage to my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. 

It is not my responsibility to make sure you are in compliance with the Fair Credit Reporting Act, however it is my responsibility to make sure every item is reporting to my consumer report accurately so that my credit report is equitable to me. So take notice! I am not asking you to verify the validity of this debt. After reviewing 7 CFR 1956.54 the code of federal regulations defines a charge off as he writing off of a debt and termination of collection activity without release of personal liability. THIS MEANS YOU MUST CEASE ALL COLLECTION ACTIVITY. I came across a recent IRS publication on the IRS website in which the IRS defines a charge off a gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following account inaccurate! 

XXXX XXXXXXXX XXXX XXXX XXXX account # - XXXX
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 ( 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 I 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. 

Accounts being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 at XXXX XXXX, my cell phone received a missed call from XXXX. The caller by the name of XXXX left a message on my voice mail stating that he was trying to contact me on behalf of a person known to me, concerning a job recommendation. The caller left a phone number of XXXX extension XXXX and stated his name was XXXX. 

I first called the person known to me and was informed they are employed and were not looking for any job recommendations. 

I then called XXXX the female that answered, stated it was Diversified Recovery and asked if I was calling about the person known to me. I informed the person to remove my phone number from their list of people to call.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau Representative, I am writing to formally dispute the following information appearing on my credit report, which I believe is a result of identity theft and request that you immediately block this information pursuant to the Fair Credit Reporting Act Section 605B :
Product: Checking or savings account

On or about XX/XX/XXXX, I opened a new Citi Priority checking account online with Citibank under a new account opening promotion that will give the new account holder cash back ( either {$300.00}, {$700.00}, or {$1500.00} ). My initial deposit was {$52000.00} on XXXX XXXX, XXXX, to make sure I met the requirements to earn the {$700.00} cash back. As part of my normal banking operations, I will, at least on a monthly occasion, attempt to deposit checks through the mobile app feature - Mobile Check Deposit ( " MCD '' ). This feature was advertised as being available under the Citi Priority checking account benefits at the time of account opening and continues to be advertised as such. The checks I usually deposit via MCD range between {$200.00} - {$400.00} dollars each. On XXXX XXXX, XXXX, I was able to deposit a {$200.00} check via MCD. On XXXX XXXX, XXXX, I deposited a {$59.00} check via MCD. However, on or about XX/XX/XXXX, I was unable to deposit a {$300.00} check via MCD and was forced to deposit it at the local branch via drive thru. Likewise, on or about XX/XX/XXXX, I attempted to deposit a {$200.00} check via MCD and was again denied. I was also forced to deposit the check at the branch. On these last two MCD deposit attempts via the app, I was notified of the following error message after the deposits were denied : " Hmmm ... looks like we're having some technical issues right now. Please try again later. - MFA_DENY '' After several calls with customer service, the fraud department, and the local branch 's customer service agent, I was notified that some customers who opened a new account online will not be able to continue to use the MCD feature. I was never previously notified of this change. Moreover, the feature is still available in my Citibank app and the message I receive when attempting to deposit a check via MCD is that there are technical difficulties and to try again later, not that the service is no longer available. 

Therefore, I would like a clear and precise explanation as to why this feature was removed and for the feature to be restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX  Account XXXX, Has Viotated 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

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached information pertaining to the problems with my Equifax credit report. I have been disputing these problems with Equifax and the associated companies involved for more than a year now and everything always come back as verified. The errors that I am reporting are violations and truly makes no sense but it is still reporting as Accurate and Verified. I am asking that all the accounts that I am seeking your assistance with be removed from my Equifax Credit report.
Product: Checking or savings account

In XXXX of 2020 I used a sister branch ATM to deposit {$2000.00} cash to my savings account. It was not immediately posted to my account. The bank issued a provisional credit one week later and 60 days later reversed the credit resulting in funds being taken from my checking and my account being over drawn. The sister branch found the error and issued the credit days later. My bank has yet to release the funds and credit my account. They also have incorrectly taken {$1800.00} out of my checking account. They have been rude and very unhelpful during this entire process. My accounts are both in danger due to their negligence and incorrect processing.

The sister credit union was very cooperative and even called the institution to help address the issue and correct the error. They are very concerned by how its being handled by Navy Federal since they were on the calls with me they have first hand knowledge as to how they have responded to this incident.
Product: Mortgage

My Mortgage account was paid in full on XX/XX/2018. However, an automatic monthly payment was processed on XX/XX/2018 for an overpayment amount of {$1300.00}. I have called Ditech to resolve this matter and spoke with representatives and supervisors. Every time I called they explain about a different process to issue a refund check, which is not a consistent explanation. Recently, I spoke with supervisor XXXX on XX/XX/2018 XXXX ET, who promised to overnight the check and call me to confirm. Today is Tuesday XX/XX/2018 and no call nor an overnight check has been received. I called and spoke with XXXX and lead XXXX. They indicated that XXXX was ill and out of the office for 2 days. On XX/XX/2018, XXXX added he will take care of this matter. XXXX acknowledged that I have called several times and nothing was done. He will follow up and call me tomorrow XX/XX/2018 at XXXX ET to get this finalized and find out where the disconnect is. Keep in mind they do have my correct mailing address, telephone number and email address. Today is Thursday XX/XX/2018 and I have not received any response from anyone at DItech. At this time I have lost confidence in Ditech, please help me to expedite and get my money back {$300.00}
Product: Credit reporting or other personal consumer reports

I ask the credit bureau to do a thorough verification of everything on my credit report they did and state everything was accurate. I then did a thorough look over it myself to find there were some improperly accurate on my credit report even after they did thorough verification and research XXXX XXXX XXXX XXXXXX/XX/year> XXXX, XXXX XX/XX/year> XXXX, XXXX XX/XX/year> XXXX, XXXX XX/XX/year>XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Miscellaneous ) XX/XX/year> XXXX XXXX  ( Miscellaneous ) XX/XX/year> XXXX XXXX ( Miscellaneous ) XX/XX/year>XXXX XXXX XXXX ( Miscellaneous ) XX/XX/year> XXXX XXXX Inquired on XX/XX/year>XXXX XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXXXXXX Inquired on XX/XX/year> XXXX-XXXX XXXX  Inquired on XX/XX/year> I am writing to have these hard inquires remove from the following that appears on my [ Equifax, XXXX and XXXX ] consumer report : In accordance with the fair credit reporting act convergent these accounts XXXX  XXXX, XXXX XXXX, and XXXX XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. status I have right to privacy.

15 U.S.C 1681 section 604 A section 2it also states a consumer reporting agency can not furnish my account without my write agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collection accounts that were for medical bills and on both occasions the account was opened and then negatively reported within two months time. I paid in full the collection accounts and these should be removed from my credit reports according to the Medical Debt Relief Act of 2016.
Medical Debt Act of 2016 This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to : ( 1 ) a medical debt ( arising from the receipt of medical services, products, or devises ) if the date on which the debt was placed for collection, charged to profit or loss, or any similar action antedates the report by less than 180 days, or ( 2 ) a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days. The bill also amends the Fair Debt Collection Practices Act to require a debt collector, before informing a consumer reporting agency regarding a medical debt, to notify the consumer in writing that : ( 1 ) the debt collector could report the debt to a consumer reporting agency 180 days after the notification is sent, specifying the precise end date of the period ; ( 2 ) the debt will not be reported if it is settled or paid during the 180-day period ; and ( 3 ) the consumer may, during the 180-day period, either communicate with an insurance company to determine coverage for the debt or apply for financial assistance. The debt collector may not communicate with or report any information to a consumer reporting agency concerning such a debt during the 180-day period.
I have disputed these collection accounts to be removed but two of the credit reporting bureaus sent me their responses saying the accounts remained the same. They did not provide me with any information about what the investigation process was and why they remained unchanged. ( One of the credit bureaus did remove the collection accounts right away though ). The accounts in question are for medical bills from The XXXX XXXX, XXXX which were turned over to collections for payment. The accounts were opened and reported within 2 months time and this was even though I settled with the collector to make payments and I paid the debts off. I want these removed from my credit reports please. The two remaining credit bureaus are Equifax and XXXX. XXXX took care of the inaccuracies. Please enforce this with the other two because they are not responding to my disputes in an ethical manner.