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

Experian Dispute Resolution Department XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Entries FCRA Violation To Whom It May Concern, I am writing to formally dispute inaccurate information that remains on my Experian credit report, despite multiple previous disputes. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), Experian is required to investigate disputes thoroughly and ensure the accuracy of consumer credit reports. However, I have found that Experian has failed to meet its obligations under the following FCRA provisions : 1. FCRA 611 Dispute Resolution : Experian is required to conduct a reasonable investigation into disputed information. However, I have disputed the following accounts multiple times, yet they remain inaccurately reported without proper verification or correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Charged-off amounts remain despite dispute XXXX XXXX ( Account # XXXX ) Inaccurate reporting of charge-off and balance XXXX XXXX XXXX ( Account # XXXX ) Incorrect charge-off and past due balance XXXX XXXX XXXX XXXX ( Account # XXXX XXXX Failure to verify accuracy of charge-off 2. FCRA 605 Accuracy of Consumer Reports : Information must be complete and accurate, yet these accounts still contain outdated, incomplete, or unverifiable information that negatively impacts my credit.

3. FCRA 623 Responsibilities of Furnishers : The data providers for these accounts must ensure accuracy and properly investigate disputes, but Experian has continued reporting these errors even after previous disputes.

4. FCRA 607 Compliance Procedures : Experian is required to maintain reasonable procedures to ensure maximum accuracy, yet it has failed to properly review the validity of the disputed accounts.

I demand that Experian take immediate corrective action, including : Removing the disputed accounts unless full verification can be provided which full transparency either USPS certified mail and or upload on this portal I give you full authorization to do so.

Providing documentation verifying the accuracy of each account.

Updating my credit file to reflect the deletion status of the accounts.

Failure to comply with these legal obligations may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and legal action under 15 U.S.C. 1681n and 1681o, which allow for statutory damages and attorney fees for non-compliance. 

I expect a resolution within 30 days, as required by the FCRA. Please send a written response confirming the actions taken. 

Sincerely, XXXX XXXX XXXX : Executor
Product: Credit card or prepaid card

A couple of months ago I asked Synchrony Financial to increase my credit limit on one of my accounts with them. What happened next is Synchrony financial decided to close my largest account immediately and then started lowering my available credit on all other accounts with them. I was given email notices that my credit score was too low for them anymore. This has caused my credit score to go down even more due to lack of available credit. I have not missed a payment to them or anyone else in over 25 years. I have XXXX credit lines with synchrony, everyone of them has been affected. This closing account and reduction of credit has lowered my score enough that other accounts have also been closed by such places as staples. Another reason they gave was no real estate on my credit history. I have paid off all my loans on time or early. I own my house, shop, business lot, warehouse, and other lots without mortgages or liens of any type. I believe Synchrony financial may have violated the fair credit act that was instituted after the last financial meltdown. I have never declared bankruptcy or had a judgement against me. When I last contacted them about this I was told that it was automatic and no one there could change anything about the decision. Thanks for your time.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : 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 : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

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

XXXX XXXX XXXX originally had my mortgage and sold it to Carrington Mortgage Services. Back in XXXX XXXX, I received a letter from Carrington stating they were going to place lender coverage on my property because my HO6 ( condo homeowners insurance ) was cancelled. I spoke with XXXX and they sent over the insurance declaration page, along with a bill to Carrington ( they escrowed for taxes and insurance ). Fast forward, XXXX XXXX I receive another letter from Carrington stating they were going to place lender coverage on my property because my HO6 insurance had been cancelled. I called XXXX to ask why I was receiving this letter when I thought it was taken care of 9 months ago. XXXX stated they sent the bill to Carrington, and it was never paid. On XXXX/XXXX/XXXX I contact Carrington to let them know of their mistake ; and XXXX will not underwrite another policy for me because the property has been uninsured for over 6 months. Basically I am told by companies that I am uninsurable. I tell Carrington supervisor ( XXXX ) to place the lender coverage and reimburse my escrow account the difference ; because the XXXX coverage was {$370.00} annually compared to their coverage of {$800.00} annually. He tells me he needs to research this, and will give me a call back. On XXXX/XXXX/XXXX, I finally receive a call back from Carrington, stating they will need to further research, but I will need to find a company to place coverage, and than they will look into reimbursement. I let Carrington supervisor ( XXXX ) know that is impossible because I am considered uninsurable now, and they need to fix their mistake, and I will be reporting them. She lets me know that she will inform department about my dilemma, do some additional research, and get back to me. Meanwhile, my condominium ( which is a rental property ) has been uninsured since XXXX XXXX, and there is no resolution in sight.
Product: Mortgage

We recently paid off the required 20 % of our loan to get the PMI removed. We contacted Mr. Cooper on XX/XX/XXXX to find out how to begin the process. We were told that they would not remove the PMI because we paid off our mortgage to fast. We were told we have to either wait until the day it would be normally removed or pay over 300 $ to send out one of their adjusters to get our home reappraised and start a reappraisal process. From what I have read this is not proper procedure and they can not add these extra burdens on us without it being in our contract. To achieve the 20 % we needed to pay down our mortgage to XXXX, as of today XX/XX/2020 we are at XXXX.
Product: Checking or savings account

I have been banking at Regions Bank for years. Over the last several months from XXXX to the present date, XXXX 19,2020, Regions continues to charge me overdraft fees totaling almost {$700.00} during the months of XXXX and XXXX. Ive contacted them numerous times, but they only try and scold me about what I should do and theres nothing they can do about the fees. I dont receive any notice until weeks after they charge these fees and when I make a deposit before XXXX to cover the charges made, they dont post them until the day after which makes my account accumulate overdraft fees instead of posting the deposit that day before XXXX as their policy states. Many times, the overdraft fees incurred come by way of the monthly fees they charge me for the account. The fees theyve charged me are recurring for the same thing, and accumulate to more than what the actual overdraft amount is. I just need help to get the fees returned to me as well as close the account.
Product: Debt collection

XXXX XXXX has called my boyfriend, my boyfriend 's parents in another state, my brother, my friend and neighbor friend XXXX and my friend XXXX about the debt, and discussed details in a recorded voicemail. If the person XXXX XXXX calls answers a live phone call, XXXX XXXX lies, and pretends to be a long lost friend of my mine from New York, who needs contact information to re-connect, urgently. She refuses to contact my attorney, and contacts everyone else instead, even though she already knows my address, phone number and place of work.
Product: Credit reporting, credit repair services, or other personal consumer reports

So this is kickoff, it advertises that you can get a line of credit and everytime you use that credit or use their debit service they will report that you have made a payment. Now with this credit it's in store credit which is never stated until after you have made an account. Now the is inaccessible most of the time and it only offers additional services that you have to pay for. It's not a real line of credit which is what was advertised. The other part is that I paid the first {$5.00} needed to start plus an additional {$5.00} for the following month. When I looked at my credit utilization it was at 7 % despite me never actually using any of their credit and paying in advance. When I connected them asking I got a very generic message that didn't answer my question as to why my credit was utilized and about the marketing issue. My credit has also gone down since I signed up with this service.
Product: Credit card

I submitted a registered security to Pay Pal holdings executive XXXX XXXX on Monday XX/XX/scrub>XXXX XXXX, 2024, via registered mail, and she did not respond. I then sent an email to the P.O. located on the " statement '' regarding disputes and billing errors, within 15 calendar days and their policy provides 60 calendar days ; and the agency still ignored me. Rather than research the matter, the company continued to add late payments ( which I will not ) for not paying the bill, when the bill should in fact been place in the " Do not pay, do not collect status ''. Moreover, I called the XXXX XXXX number provided by the company and when I conveyed why I was calling they hung up on me. The last email I sent to the company was on XX/XX/scrub> 2024, which included XXXX XXXX. I would like for the company to first acknowledge the registered security sent to them in XXXX and address the documentation that I have provided them with repeatedly. The company is failing to uphold their own rules and regulations by dismissing my written request, per their card services terms and conditions " What to do if you find a mistake on your statement.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681b, companies are only permitted to access consumer reports for specific purposes, such as credit transactions. I've observed unauthorized inquiries from XXXX at XXXX XXXX XXXX, XXXX, XXXX  XXXX. I've disputed this twice with XXXX XXXX  at XXXX XXXX XXXX, XXXX, XXXX  XXXX, reachable at ( XXXX ) XXXX. Additionally, I am requesting monetary compensation for the violation of my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$85.00}
Product: Debt collection

True Accord has infringed upon my rights to privacy and has been using harassing tactics to coerce me into paying an alleged debt. True Accord has violated my federally protected rights under the Fair Debt Collection Practice Act writing me more then 50 emails from XXXX XXXX using obscene and propane. They are contacting me during work hours which is also a violation of the FDCPA. This debt is not mine and I all communication from this debt collector to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DISPUTE Important dates : XXXX - Lease matured, discharged from hospital XXXX - vehicle turned in via TOW TRUCK with receipt/GPS data XXXX - Honda Financial letter received saying vehicle has not been turned in XXXX - letter sent via certified mail to Honda financial disputing debt owed and that I had turned in the car to XXXX XXXX Have phoned XXXX XXXX at this point who says they do not have the vehicle XXXX - letter of past due as of XXXX for {$16000.00} XXXX - show up to XXXX XXXX and they miraculously find the vehicle in repairs due to battery issue, at this point I think fraud might be part of this ; unhelpful until I called the police to report the vehicle stolen and they buy the car from me then XXXX - call Honda Financial who says they are unsure if they can help, but get someone in sales to say this all checks out, call XXXX XXXX and am told that head sales guy will call me back to get it sorted ; he calls back later that day with email to send all documents and timeline to XXXX - send email that gets kicked back, though it says can take 72 hours to deliver XXXX - reach out to head sales manager who has yet to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments for the year of XXXX, XXXX and XXXX are being reported on my account inaccurately. The company has not provided evidence to prove the payments were late. On XX/XX/XXXX in response to complaint XXXX the company submitted a word document of a payment history that doesn't have any of my information on it, this document is not a valid document as I do not know if the payment history submitted is mine. The word document doesn't have any of my information on it including personal information, car information or payment details. The response that was submitted on XX/XX/XXXX isn't valid as Honda Financial has not proven any late payments, however they're reporting late payments to all of the credit agencies which is negatively impacting me and my credit score. I would be honest in XXXX and XX/XX/XXXX I was late due to not working so I can take care of my mom who was battling stage XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

my ssn is linked to someone else in a death benifets clam in 1991 coming up for me as aka and im very much alive
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was charged off as of XX/XX/2018. Since then, the account has been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. I've disputed this account several times in the past year & all the company does is update the account each time. The constant reporting of this account violates my consumer rights according the FCRA section 623, 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) a person shall not furnish any information relating to a consumer if the persons know or has reasonable cause that the information is inaccurate. Any information disputed by a consumer that is found to be inaccurate during reinvestigation should be promptly deleted by the consumer reporting agency pursuant to FCRA 611, 15 U.S.C. 1681h- ( a ) ( XXXX ) ( A ) ( i ). These violations are a clear indication that this company has continuously failed to properly investigate my disputes. This inaccurate information is preventing me & my family from buying a home
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and Good day. Im writing this formal complaint because I am seeking legal options against these companies XXXX and equifax who have failed to follow the guidelines that The FTC And FCRA has clearly layed out for these accounts. I started disputing these negative accounts that will list on XX/XX/XXXX which Ive never received any response within the thirty day deadline that they were given once they received my report which ive also tracked and They have consistently ignored any if my attempts through mail to get The Violations and inaccuracies removed. 
I am also Contacting my attn General because they seem to think they are above the rules set out By the XXXX. 

XXXX XXXX XXXX 1. This account Has been Reaged a number of times and is reporting different dates last active 2. Its reporting recent activity in the payment history section after this account was charged off and closed 3. The next Inaccuracy and now violation on this account is its reporting XXXX for XXXX but equifax is reporting 60 days fir XX/XX/XXXX pay history. 
4. They ALSO HAVE NOT PUT IN A NOTICE OF DISPUTE WHICH MEANS THEY NEVER INVESTIGATED! THATS 4 VIOLATIONS FOR OVER 4 MONTHS! 

XXXX XXXX This account violates the CFRA bevause its reporting a past due on a Collection and has activity after the account was closed as well which is being reported by equifax only. 

XXXX XXXX XXXX This account is Showing the date last active in two entirely different years which means theyve Reaged it. This is illegal and a violation. 


XXXX XXXX EQUIFAX NEVER PUT IN A NOTICE OF DISPUTE WITHIN 30 DAYS OF GETTING MY DISPUTE. ITS BEEN 120 DAYS AMD ITS STILL IN VIOLATION. 

XXXX XXXX XXXX This account is Reaged both the date last active are being reported inaccurately. 
I KNOW and have read online the laws that remate these companies and from what i understand if they dont remove all these accounts i have the right to compensation for injury. They need to do it soon. My patience is wearing thin and its really becoming evident thst they just don't care. 
I will attach all the pictures with these ackunts and the some of letters that I've sent so you can see they have not answered or deleted these accounts and have broken the law.
Product: Checking or savings account

I reported a fraudulent transaction in the amount of {$650.00} on my debit card dated XX/XX/2021 associated with my Bank of America checking account ending with XXXX. However, Bank of America refused to credit me because they claim it does not fall into their fraudulent transaction guideline. I, therefore requested Bank fo America to provide to me the phone number or any contact information of this merchant so I could contact the merchant directly. Since Bank of America refused to do its job I want to find out exactly what has happened as I have never purchased anything or received anything from this merchant. As it shows on my bank statement, the merchant is " XXXX XXXX XXXX in XXXX Colorado ''. However, Bank of American could not provide any phone number, website or contact information for this supposedly one of the largest sports goods business. When I asked for it the Bank of America representative said she said she did not have it but can google it. So obviously Bank of America did not do any investigation on this transaction. The merchant is highly likely to be a fake business using the name of XXXX XXXX. I am frustrated and infuriated by Bank of America 's illegal reaction to my fraudulent claim. So far Bank of America could provide no proof of this being a legitimate transaction, no merchant information other than a name, no website, no address, no phone number, nor order number, merchandise ordered.
Product: Credit card

I was a loyal customer with Chase Bank for many years, and all of the sudden, they decided to close all my checking accounts and credit cards. I've never missed a single payment with them and I was about to expand the relationship with them, but for an unknown reason or a system error, they closed all my accounts. I tried to call their executive office to ask for an explanation and a second review of my account due to their system error, they refused to provide a reason and refused to offer a second chance review by human.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumers Reports and notice that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  account # XXXXXXXX XXXX account # XXXX Please investigate and provide Proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks
Product: Debt collection

I have contacted this National Credit Systems XXXX numerous times XXXX regarding the amount that they are stating that I owe and asked them to submit the corresponding information that I owe this amount XXXX and they have not responded nor sent proof of this account. Under the Fair Credit Reporting Act. I would like this item removed from my credit report, or I would like them to submit proof that everything is accurate on this account.
Product: Money transfer, virtual currency, or money service

document attached on the bank and police reports also a letter from chase declining my case