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

In accordance with the fair credit reporting act. All account listed on our consumer report, and mentioned below have violated our federally protected consumer rights to privacy and confidentiality under 15 USC 1681 And have caused injury Violators, XXXX, XXXX, Experian, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX account numbers not mentioned here for privacy, all on report 15 USC 1681 section 602A States We have a right to privacy 15 USC 1681 SECTION 602A section 2 It also states that a consumer reporting agency can not furnish a account without our written instructions. 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of conviction of crimes. We request written authorization by us providing you authorization to use and share our information, if not you must remove. This is a XXXX act violation and identity theft. We hope you will operate with honor, full transparency and stop causing injury to us. We reserved all of our rights without prejudice
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXXg ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. XXXXg ( XXXX ). According to, 15 U.S. Code XXXXXXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S CXXXXe XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX employee made an error by posting a payment on my account that I did not make. Then they reported to the credit bureaus that I had a high balance of {$1200.00}. The credit limit on my card is only {$500.00}. I have never charged anything on this card that is over my credit limit. I called XXXX XXXX XXXXXXXX to fix this problem and they have refused. It is causing me to not get credit and home loan. I called and sent letters to XXXX XXXX  XXXX and to date they have refused to correct their error and report the correct " high balance on this credit card. I am being discriminated against because I am a XXXX woman. XXXX XXXX  XXXX is fully aware of their error and have refused to fix it. 
I wrote them numerous letters stating one of their Customer Service Rep at their call center processed a payment on my account that I never did. They have refused to correct my credit report and take off the high balance they are reporting. I never charged anything on this account to have a high balance of {$1200.00}. I been fighting them for over 2 years to fix this error. They have refused and doing this to keep a false derogatory information on my credit report to prevent me from getting loans and credit. Because I am a XXXX woman. Please stop this discrimination against me and fix my credit report with the correct information. 

Below is what is listed on my Credit files. All three, XXXX, XXXX and Trans Union is reporting this inaccurate high balance : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly Date Paid XX/XX/XXXX High Balance ( Hist. ) High balance of {$1200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau Experian has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you Informing you that XXXX, experian and XXXX is reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy court of Virginia which is false i have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify validate any information concerning bankruptcies XXXX, experian, XXXX is falsely stating this information on credit report. 
I also did not give them any informationin nor permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against your agencies for failing to conduct a timely investigation and rectify inaccuracies within my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute regarding discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. Despite being well within the 30-day period mandated by the FCRA, I have yet to receive a response or any indication of an investigation being conducted. 

The discrepancies identified include variations in reported last activity dates across TransUnion, XXXX, and XXXX. Specifically, XXXX lists the last activity date as XX/XX/XXXX, XXXX as XX/XX/XXXX, and TransUnion as XX/XX/XXXX. Additionally, there are inconsistencies in the representation of payment history, with XXXX indicating XXXX instances of 90-day late payments compared to only 1 reported by XXXX. Moreover, discrepancies in on-time payment percentages and specific entries further highlight the lack of accuracy and consistency in my credit report. 

These discrepancies not only violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 but also undermine the integrity of the credit reporting system. As per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), it is your obligation to conduct a reasonable reinvestigation within 30 days of receiving notice of dispute from the consumer. Yet, your agencies have failed to fulfill this obligation, thereby disregarding the purpose of the FCRA to ensure fair and equitable treatment of consumers. 

I demand an immediate escalation of this matter and a thorough investigation into the inaccuracies and inconsistencies reported in my credit report. Furthermore, I insist on receiving documented proof of any alleged late payments associated with my account. 

It is imperative that XXXX, XXXX, and TransUnion take swift and decisive action to rectify these violations of the FCRA and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this complaint and pursuit of legal remedies available under the FCRA. 

I expect a prompt response and resolution to this matter. Please do not hesitate to contact me if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. StateXXXX 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: Debt collection

This information is not correct, this company has disclosed my personal information violating my right to privacy, with the purpose of collecting said debt is not correct...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Act Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

On XX/XX/2018 my wife XXXX, as instructed by the call center operator for Lakeview did email to them a picture of incorrect information listed on all three credit bureaus and a request to correct that our mortgage, erroneously listed as an installment loan be changed to a mortgage. We have never heard from Lakeview as to the resolution of this matter. We have called several times and from one operator did learn that the matter had been closed XX/XX/XXXX. We were promised that we would be contacted. 
Nothing on our credit report has been corrected. In fact, somehow, this listing as an installment loan has been made retroactive all the way back through the construction loan.I never signed paper for an installment loan with XXXX XXXX, the original mortgage leander ; I signed mortgage loan papers. XXXX sold this loan in the XX/XX/XXXX to Lakview. 
I understand that technically a mortgage is an installment loan, BUT, not all installment loans are mortgages and to havwe this listed this way on my credit report is misleading, not entirally correct and hurts my rating and my opportunities for credit in the future. I would like this properly and correctly listed as a real estate mortgage loan.
Product: Credit card

JP Morgan Chase has blocked online access to my credit card accounts until I agree to their revised Online Electronic Disclosure and Consent Disclosures and Agreement. This means that I can not monitor account activity, view statements, pay bills, or redeem rewards until I read the 125 page document. There is no grace period with continued access nor any option to reject the terms, only to agree.
Product: Credit reporting or other personal consumer reports

American Express ( AMEX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I hope this letter finds you well. I am writing regarding my account with AMEX ( Account Number ending in [ XXXX ] ). While I am not disputing the late payments reflected in my account history, I am requesting specific details about the number of days I was late for my own internal records. 

Could you please provide the exact number of days I was late for each of the following months in XXXX  : XXXX XXXX XXXX XXXX XXXX Additionally, I would appreciate it if you could provide a total count of the late days across these months. 

This request is solely for my personal records, and I appreciate your assistance in providing this information. Should there be any forms or fees required to process my request, please let me know, and I will address them promptly. 

Thank you for your time and attention. I look forward to your response.
Product: Debt collection

I have continously requested for debt validation and verification from this company. They have used tactics that reflect their non compliance with my request
Product: Debt collection

I sent the creditor a debt verification letter, but they failed to provide all the requested proof. The order from XXXX was never received because they omitted the apartment number in the shipping address. Despite this mistake, they still sent the account to collections. I also uploaded all the necessary proof, including a copy of my ID, address verification, and the contract, which clearly shows that my apartment number was missing from the shipping details. Additionally, I asked them for delivery confirmation and other relevant proof, but they failed to provide any supporting documentation to validate the debt.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to CAPITAL ONE BANK USA N XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Mortgage

After changing jobs and getting paid less money, I found that I would have difficulty keeping up my mortgage payments with Bank of America. I owed $XXXX on my mortgage and applied to Bank of America for a mortgage modification last year, for which I was denied. I applied for and received approval for a short sale from Bank of America. I found a buyer who was willing to pay $XXXX. The bank appraised the house for $XXXX but stated that the buyers would need to pay $XXXX. After some negotiating, the buyers accepted the bank's offer of $XXXX. The sale was later denied by Bank of America for yet unexplained reasons. I have been reaching out to them since XX/XX/XXXX with no luck. I have been trying to sell this house for 3 years with many people looking but not wanting to buy. It is very frustrating that I finally found some serious buyers and the bank is making them lose interest by denying this sale and not providing any reason. I am getting to the point where I won't be able to afford the mortgage payments any longer and it is unfortunate that I have made every payment since I bought the house in XX/XX/XXXX, to be treated this way and without cause or reason.
Product: Debt collection

I received a call from a company called XXXX and they said that they are legal aids for XXXX XXXX, an attorney in New York. They said that they are representing XXXX XXXX XXXX and that they want to resolve a debt that i had back in 2005. I talked to someone named XXXX XXXX XXXX, and when he was trying to confirm who I was I was asking him what company he was from and he began to get hostile. Then as I proceeded to tell him that I wold like my debt in writing he hung up on me. When i called back I talked to a XXXX XXXX XXXX and he started out being somewhat nice but when I proceeded to tell him I wanted my debt in writing he became hostile. He told me that all he could provide me with was a payment arrangement and I told him that I was n't comfortable making a payment arrangement without getting the debt in writing. He proceeded to talk over me then he proceeded to yell at me and say " ARE YOU A CRIMINAL? ARE YOU A CRIMINAL? Since you do n't want to resolve this then GOOD DAY. '' and hung up on me. When I called back to get an address so that I can send a written cease of communication notice no one is picking up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX # XXXX, XXXX # XXXXXXXX XXXX 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 # XXXXXXXX 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, credit repair services, or other personal consumer reports

I talked to XXXX numerous times about my credit card never coming in the mail to my P.O Box I never received my credit cards I paid my XXXX credit card for everything that I charged three reprsenatives have told me that XXXX would be deleted from my credit reports I disputed it with all three credit bureaus the only one that deleted it was XXXX need it deleted on my experian and XXXX reports
Product: Credit reporting or other personal consumer reports

I paid my car finance off with XXXX XXXX for the amount of XXXX on XXXX XXXX. XXXX XXXX sent me an official release of lein letter on XXXX XXXX which I can provide. On my credit report with XXXX, Equifax, and XXXX its reporting that I still owe XXXX XXXX an amount of XXXX. Ive contacted XXXX XXXX they told me they will fix but they never did. I disputed this with the credit bureaus but nothing has changed. This is affecting my credit history stopping me from purchasing a home to build a foundation with my family. I also have my car title with no lein hold on it. I would like this account to be removed from my credit report with all three credit bureaus. Can youll please take care before I take legal actions. Thank you
Product: Student loan

I made a payment to Nelnet, my student loan servicer, on XX/XX/XXXX in the amount of {$9400.00}. I attempted to initiate a refund for this amount in XXXX of XXXX and have still not received it as of today, XX/XX/XXXX. I have called multiple times requesting updates or attempting to restart the process only to be told 'the process is still taking place ' with no other detail. The current timeline of 3+months well exceeds the 4-6 weeks I was originally quoted and at this point the actions of the student loan servicer appear to be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had no need of credit so paid no attention to my score for a decade after my college graduation. Start to pay attention to it and see a number of addresses and open delniquent credit accounts in my name on my credit report. I initialize disputes with all XXXX major credit bureaus and they were closed without comment. 

This year I can not even get my free credit reports. They ask me my information and ask me confirm my identity using my residency history, but the " correct '' answers they have on file are addresses i've never lived at. 

Despite being gainfully employed and never having a single line of credit in my life besides student loans which have always been in good standing, my credit is in shambles and i'm unable to secure apartment tenancy, credit cards, autoloans, home financing etc and I seemingly have zero recourse..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed the following account XXXX XXXX XXXX ( XXXX ), XXXX BANK ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX ) I requested that XXXX do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company remove the inaccurate reporting from my consumer report within 30 days! XXXX has yet to respond to my dispute. I would like for this account to be removed immediately as it is affecting my privacy.
Product: Credit reporting or other personal consumer reports

This is my second request for documentation as where are the documents used to verify the disputed accounts listed? What is the name of the person in this company who verified these accounts? what documents did they use to verify them? Please provide me with the name of that individual etc... the rest of my requested information is included on my documents.
Product: Checking or savings account

XX/XX/XXXX, around XXXX, I deposited {$1500.00} into the Chase ATM in XXXX XXXX. The ATM took my money & never deposited it into my account. A slip was printed with a phone number to contact & I was told the money would be credited into my account within 2-4 business days. I do not have time to wait on this deposit, I needed it today. Also, it's a credit, so how is that fair? What if they do not check the cameras, or correctly count the money that was deposited into the ATM that day?
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS BREAKING THE LAW. ITS BEEN WAY OVER 60 DAYS AND THEY REFISED TO FOLLOW THE FCRA AND REFUSE TO REMOVE THESE UNVERIFIABLE INFORMATION FROM MY CREDIT REPORT. THEY ALSO REFUSE TO UPDATE INFORMATION AND MISS PAYMENT THAT SHOULS BE REPORTED AS ON TIME