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

I am writing to express my deep concern over an error involving XXXX XXXX 's reporting of my account status to one of the credit bureaus, specifically Equifax. I recently settled a collection account with XXXX XXXX, which has been correctly reported as " paid '' to XXXX and XXXX. However, it has come to my attention that Equifax 's records still show my account as having a " derogatory '' status and marked as " unpaid. '' This misrepresentation is negatively affecting my credit score with Equifax and could potentially lead to unwarranted financial complications. 

I want to underscore that I have adequately satisfied my financial obligations towards this debt, and the incorrect reporting to Equifax is both misleading and inaccurate. This failure to provide accurate status for my account contravenes the Fair Credit Reporting Act ( FCRA ), which emphasizes the need for precision in the reporting of information by financial institutions. 

I respectfully request that XXXX XXXX immediately rectify this discrepancy. Please ensure that my account status with Equifax is updated to reflect that the debt has been paid, thereby maintaining consistency and accuracy across all three credit bureaus. 

In addition, I kindly ask XXXX XXXX to provide me with written confirmation once these corrections have been made and that my paid account status has been reported accurately to all three credit bureaus. I believe that this step is crucial in safeguarding my rights as a consumer and in preventing any future discrepancies in my credit reports. 

Given the above circumstances, I seek the intervention of the Consumer Financial Protection Bureau ( CFPB ) in this matter. I trust that the CFPB will assist me in ensuring XXXX XXXX meets their obligation to accurately report information to all credit reporting agencies. I am confident in the CFPB 's capacity to investigate such concerns and trust you will aid me in ensuring my credit report is accurate and fair. 

Thank you for your prompt attention to this pressing matter.
Product: Mortgage

Had my mortgage XXXX then I guess CHASE took over my mortgage got delayed with house payment because my payment seems to be going up every time, anyways I then Filed for a chapter XXXX in XXXX and had completed it XXXX my concern is how much of that payment I made tru my chapter XXXX was applied to my mortgage???? Looks like I paid more but less was applied to my mortgage ... .hope you could help..
Product: Credit reporting or other personal consumer reports

I recently reviewed again my Experian credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts appearing on my credit report. 
1. Reported without valid evidence XXXX XXXX  Account Number : XXXX Please delete from my credit report immediately 2. Reported without valid evidence XXXX XXXX  Account Number : XXXX Please delete from my credit report immediately I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 

These fraudulent information should be deleted from my credit report in the next 5 days. Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going over my Credit and happened to come across some strange accounts on my report that I had no idea about
Product: Credit reporting or other personal consumer reports

I received an email in regard to the CFPB XXXX XXXX. 

I feel I was negatively impacted by EQUIFAX, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ". I did not see any details about the investigation. 

Please permanently delete these accounts from my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Reviewing Transunion credit report dated XX/XX/XXXX. I saw where Third party supplemental information was listed and has been since XX/XX/XXXX also listing over 30 items that are county records and federal records. these keep me from getting apartments and losing applications fees also high interest on vehicle loan. I filed a chapter XXXX and XXXX both was discharged. the XXXX discharged in XX/XX/XXXX, They even have a home I brought and paid cash for in XX/XX/XXXX listed on the back with Total lan Mass in square feet, Assessed land value, total improvement value, Market improvement value, Home equity, and others stuff that has NO business on my credit report. 

I applied for a car in XXXX Illonois at XXXX XXXX on that day and was approve and had to return car. XXXX XXXX XXXX XXXX is listed as requested ..They use XXXX XXXX XXXX XXXX  in XXXX NY . They also used XXXX XXXX XXXX Texas XXXX, XXXX This is uncause for and violating my rights and should be fine. I am XXXX and had paid out money and it was nonrefundable.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, CrediBureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers  is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Vehicle loan or lease

I recently obtained an attorney to file a chapter XXXX bankruptcy, my attorney is in the process of filing my bankruptcy. I contacted Hyundai motor finance to inform them of this thru phone and email and they told me to contact there bankruptcy department. I did so, and gave them my attorney 's information. They said they tried to contact my attorney and he won't answer their phone calls which is not true. Now they threatening repossession of my vehicle
Product: Checking or savings account

I reached out because I am unable to wait until XX/XX/XXXX for a replacement debit card so I reached out to Capital One. I was asked to verify my account which I did. I was then told I needed to verify my account via text. I never received a text so XXXX was unable to access my account. He asked for my last deposit amount which I gave. He told me it was wrong. It seems like I have a issue every time I try and use Capital One. They do nothing to address customer issues. Their XXXX and XXXX XXXX location ATM is always down. There's no accountability and no one follows up. I called the actual location and was told they don't have manager but " ambassadors. '' Well the ambassador never cared to follow up either. 

I am requesting a refund for the last ATM fee I received because of Capitol One 's ATM being down. I plan on opening an account with XXXX XXXX so I can receive a card instantly in the next few days if I don't receive the replacement card. Why does Capitol One not address customer issues and fix their faulty ATMs and unsafe lobbies? There are times where there has been human waste and trash on the floors in the lobby and Capitol One does nothing.
Product: Credit reporting or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter requesting that an account be reinvestigated because it is still reported inaccurate. Every month I pull my reports from XXXX  and I come to find out that neither XXXX, Equifax or XXXX   actually conducted a proper investigation. It has been 7 months since I have brought this to their attention. On XX/XX/2020, I disputed the account with the original creditor to perform my own investigation and they were not able to provide me any documentation that verifies that the account is reported correctly. This means neither XXXX, Equifax nor XXXX  used proper investigative methods to verify the accuracy of the account from the very beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX & XXXX Account XXXX XXXX Creditor : XXXX XXXX.- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : 09 XXXX XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : 11 XXXX XXXX   XXXX Account : XXXX Creditor : 11 XXXX- Account : XXXX Creditor : 12 XXXX  XXXX- Account : XXXX This is a formal notice that your claim is disputed . I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit card

I called on XX/XX/XXXX regarding fraud on my Corporate AMEX. The card was closed and the representative removed the charge instantly. But because I made a previous payment the Friday before of {$1000.00}, I overpaid. I was told by the rep that a check would be sent to my home in 3-4 business days and a new card would be sent to my home as well. 

A few days later, I called AMEX back to find out where my money is and they explained that due to the holidays, there would be a delay in receiving the check but to be patient. I call back a few days later to track down the card and it had finally been delivered to my HQ in XXXX ... it was being held in XXXX due to our offices being closed for the holidays. 

I call back again XX/XX/XXXX and was told by a rep that the check had not be cut yet because there had to be a 2nd step authorization from one of the administrators on the account : XXXX XXXX or XXXX XXXX. He asked me to call XXXX. I did. She was on the phone to verify and to release the check to me immediately. She also stated that our company does not have this stipulation on any of our accounts. 

I spoke with XXXX in the Corporate Customer Dept. at ext. XXXX and she said that there was already an authorization given and that the check had been cut and sent on XXXX XXXX, XXXX via XXXX. I asked her who did they get the authorization from if we were closed for the holidays and she did not answer. I asked her for the XXXX Tracking Number and she said that she could not provide me with that information. She gave me a reference number ( XXXX ) and said that i would receive the check on Wed. XX/XX/XXXX. 

At XXXX EST, I arrive home and no UPS notice. I immediately call AMEX and try and find out what is going on. I get a rep on the phone who puts me on hold to find out where the check is. He comes back on the line and tells me that the check has not been processed and that I would have to wait. They put me on the phone with a Supervisor - XXXX and she says that there is no record of XXXX XXXX saying yes to releasing the funds and that she will need to call the Corporate Card Services in order to release the funds. 

I am so upset about this entire process. I have been lied to and I feel like I will NEVER get my money back from AMEX. This is crazy. I will be consulting an attorney
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2023 I C System, Inc . 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern, I am writing this letter in response to the notice I received from I C System regarding a debt that I allegedly owe. I am requesting that you provide me with all legal documents that prove the validity of the debt.

As a responsible consumer, I take my financial obligations seriously and I am willing to pay any legitimate debts that I owe. However, I can not do so without proof that the debt is valid and that I am responsible for it.

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt before making any payments. Therefore, I am requesting that I C System provide me with the following documents : 1. The original creditor 's name and address 2. The account number associated with the debt 3. The date the debt was incurred 4. The amount of the debt, including any fees or interest charges 5. Any written agreements, contracts, or other legal documents that support the validity of the debt I request that this information be sent to me within 30 days of receiving this letter. If I do not receive this information within the specified time frame, I will assume that you are unable to provide the requested documentation and will consider the debt to be invalid. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. 

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

I am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
Product: Mortgage

I made my mortgage payment on XX/XX/XXXX via freedom mortgages online payment system as I always do on a monthly payment. On XX/XX/XXXX I checked my bank account to confirm my payment cleared and it had not. I called my bank to inquire about the payment and XXXX XXXX confirmed that they had not received a request for payment from Freedom. I logged in to my freedom mortgage account and saw that on XX/XX/XXXX my XX/XX/XXXX payment was reversed. I then contacted freedom to find out why my payment was reversed. The rep said she did n't know but the details show that my account could not be located and that I was past due. I said that is incorrect I make payments every month with no issue and I asked if she could confirm the payment details captured from my online payment. She stated that in customer service she could only see last 3 of routing number and last 4 of account, so she confirmed they were both correct. I proceeded to make another payment on XX/XX/XXXX.I asked how we could confirm the remaining account information she stated she needed to submit a request to get the full payment information and would contact me once she had the information. Days past and no contact so on XX/XX/XXXX I called freedom mortgage and they advised nothing had been done and there was no way to verify the details of my account information. I told them that was unfair, I have never paid late, I always pay online, and no once can confirm what happened. Rep advised unfortunately it had to be a mistake on my part and there was nothing they could do, I use the online payment system at my own risk, they have no responsibility with payments made online and I would need to
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting assistance regarding my consumer file that is being held by XXXX XXXX XXXX, which is a credit reporting company that falls under the Fair Credit Reporting Act. On XX/XX/2022 I requested a full file disclosure pursuant to 15 USC 1681g ( a ) ( 1 ) ; in the correspondence I requested all information in my consumer file in which they failed to disclose the file pursuant to my request and refused to provide me the requested information in their files. Yet they are providing information to third party credit reporting agencies unauthorized without written consent. XXXX XXXX XXXX is continuing to violate my following rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 
They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( 1 ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 
I am requesting that XXXX XXXX XXXX provide me the complete file and disclose who they disseminated my credit report to and for what reason and with what written consent.
Product: Debt collection

When I contracted XXXX for home in XXXX ~ XX/XX/2023 the seller asked me if I want a table I said not i don't need it, then he mentioned is for free, I accepted to sent it over, after the first month of XXXX XXXX XXXX i received the invoice with account number XXXX i procced to paid in full, so after some time i received another invoice I thought is a mistake and a leave it, after like 4 months i continue paying the account XXXX but received another bill with like XXXX dlls i said why is like that i communicate with XXXX and asked what is happening the problem is the seller creates 2 account one for my XXXX home which i asked for and another for the table which is mobile with number XXXX, i told them i don't asked for that service then they offered some help to fix but they never did anything about. i am not walling to pay for something that i didnt ask and they sold me with lies. so the debt is with a collector and already impacted my credit score. 

This is the information about the Collector Credence Resource Management , LLC. 
with reference number XXXX. 
I have never being in contact with them why I own a bill to them.
Product: Money transfer, virtual currency, or money service

XXXX XXXX sent me a check of {$400.00} to XXXX XXXX XXXX XXXX XXXX Ca XXXX on XX/XX/XXXX. I did not receive the check. The check was cashed by a person into an account in Well Fargo bank on XX/XX/XXXX. I did not have any account in Well Fargo. The company sent me the photo of the cashed check. The check was without my endorsement. It is a Check Fraud. Well Fargo cooperated in the Check Fraud. I visited the branch of Well Fargo Bank in XXXX XXXX California, showed them the photo of the check and asked who cashed the check on XX/XX/XXXX. The staff refused to provide any information.