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

Subject : Formal Dispute of Credit Reporting XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and dispute regarding inaccurate and misleading information reported by XXXX XXXX XXXX on my credit report. The information provided below does not accurately reflect the circumstances of my account, and I am requesting your assistance in investigating this matter and ensuring compliance with federal credit reporting laws. 

Details of the Disputed Account : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan ( Joint Responsibility with XXXX XXXX ) Date Opened : XX/XX/XXXXXXXX  Reported Status : Charged off ( {$16000.00} written off ; {$16000.00} past due as of XX/XX/XXXX ) Original Creditor : XXXX XXXX XXXX XXXX Grounds for Dispute : 1. Charge-Off Reporting : The charge-off and balance information ( {$16000.00} ) is being reported inaccurately. Under 15 U.S.C. 1666b and 15 U.S.C. 1681s-2, creditors are required to report only accurate and verifiable information. I have not received sufficient validation for this debt or evidence justifying the charge-off amount. 

2. Repossession Reporting : The account history indicates a repossession in XX/XX/XXXX, but the vehicle was redeemed. Per UCC 9, Part 6, repossessions followed by redemption must not continue to be reported inaccurately. 

3. Duplicate Reporting of Negative Events : The account history redundantly lists late payments, repossession, and charge-off statuses from XX/XX/XXXX through XX/XX/XXXX. These entries appear to overlap and create an unfair representation of the accounts status. 

4. Compliance with FCRA and Investigation Obligations : I previously disputed this account, as noted in the comment section of my credit report. However, the reinvestigation completed in XX/XX/XXXX failed to address all errors comprehensively, violating 15 U.S.C. 1681i and 15 U.S.C. 1681s-2. 

Requested Resolution : 1. Delete the inaccurate charge-off reporting and balance information.

2. Remove the repossession entry, as the vehicle was redeemed, per applicable law.

3. Ensure compliance with federal regulations, including proper validation of the debt and correction of redundant and inaccurate reporting. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX XXXX complies with its obligations under the Fair Credit Reporting Act and related statutes. Please confirm receipt of this dispute and provide updates regarding the investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

THEY CLOSED AN ACCOUNT BY RUNNING AN APPLICATION AGAINST MY WILL. THEY ALSO REFUSE TO GIVE ME AN ALTERNATE CARD READER BECAUSE THERE CARD READER DOESNT WORK.
Product: Credit reporting or other personal consumer reports

XXXX WAS UNABLE TO ALLOW ME LOGIN TO WEBSITE TO MAKE PAYMENT FOR LOANS ATTEMPTED TO LOGIN TO ACCOUNT AND KEPT RECIEVING A " THIS USER DOES NOT EXIST '' XXXX FAILED TO PROPERLY NOTIFY ME OF CHANGES TO THEIR WEBSITE HAVE NOT RECEIEDE ANY NOTIFICAITON FROM THEM IN OVER A YEAR! 

WHEN I CALLED THEY FINALLY LOGGED ME IN AFTER A YEAR OF MISSING PAYMENTS THIS CAUSE ME TO BE LATE ON PAYMENTS RESULTING ON A MASSIVE EFFECT ON MY CREDIT REPORT I HAVE THE AGENTS INFORMATION XXXX EMPLOYEE # XXXX
Product: Debt collection

PLEASE REMOVE ALL INCORRECT ITEMS AS A RESULT OF BEING A Victim of IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX and XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Student Loan Reporting Under FCRA & HEA To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report regarding a student loan account that has been incorrectly reported as late/missed/placed in collections. According to my records, all my student loans were in good standing and were paused due to the federal student loan forbearance program implemented under the Biden Administrations relief measures.

Account Details : Creditor/Loan Servicer Name : DP of EDUC Account Number : XXXX Type of Loan : [ Federal Student Loan / Private Student Loan ] Date of Reported Late Payment : XX/XX/XXXX Legal Violations : Violation of the Higher Education Act ( HEA ) 20 U.S.C. 1087e ( f ) : This law states that federally paused student loans should not have been reported as late or delinquent during the forbearance period.

If my loan was covered under this program, then any negative report is a clear violation of federal protections and must be removed immediately.

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Loan servicers and credit bureaus are required to report only accurate and verifiable information.

Because my loan was paused under federal relief, any late payment reporting is factually incorrect and must be corrected or deleted.

Failure to Conduct Proper Investigation 15 U.S.C. 1681i ( a ) ( 5 ) : If the information can not be verified, it must be removed from my credit report.

Requested Resolution : Given the federal laws protecting my student loan from improper reporting, I demand the following actions : Immediate deletion of the incorrect late payment or derogatory account information from my credit report.

Written confirmation that the disputed account has been corrected or removed.

Reissuance of my corrected credit report showing the removal of the negative mark.

Supporting Documents Enclosed : Copy of my credit report with the incorrect account highlighted Copy of any loan statements or correspondence proving my loan was in forbearance Copy of Biden Administrations loan pause policy for reference Please consider this letter as a formal dispute under the FCRA. I expect a response within 30 days, as required by law. Failure to correct this inaccurate reporting may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or legal action for damages caused by this erroneous report.

Thank you for your prompt attention to this matter. Please provide a written response confirming the resolution.

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

Throughout the week of XX/XX/2019 I contacted Experian, XXXX and XXXX about adding my phone number to my fraud alert. They all refused and further demanded I mail in my photo ID in order to accomodate my request. 

The major issue here is that the bureaus can ask consumers all sorts of personal questions to verify exactly who they are only to tell them thats not good enough, mail in more of your personal information ... ... 

All I attempted to do was add my phone number, which was removed by each bureau, so that any creditor attempting to run my credit could call my number to verify it's me!!! 

The bureaus each state just to get my photo ID into the system would take as long as 10 to 14 days. In the meantime, I'm suffering the embarrassment of two creditors placing red flags on my pending accounts as if I did something wrong because all the Bureaus demand I mail in my photo ID in order to verify who I am to simply add my phone number to the fraud alert! Really!!!!! 

Most credit bureaus have been hacked into recently with no fines to pay for allowing strangers into their platforms who now have all of my personal information. But yet they are here giving me a hard time!!! Why??? 

Fix this issue please! 


Secondly, I have previously complained of the abuses of all three bureaus, XXXX, Experian and XXXX reporting a Bankruptcy on my report and demanded it be removed more than 10 times at each bureau as it does not belong to me and actually reports inaccurate information. 

In XX/XX/2019 I added a personal note stating that I have contacted XXXX to have that report frozen where no one has access to that information. However, as of XX/XX/2019 XXXX and Experian refuse to remove the bankruptcy item form the report and so states that it is " verified as accurate ''. 

I have previously written to each bureau and demanded their procedures for verification as well as the names of any person who walked into the bankruptcy court and requested information regarding XXXX XXXX XXXX and a Clerk, any clerk, then and there gave over any form of verification to that person to report as verified as accurate. The Clerk at the XXXX Texas Bankruptcy Court states " this court will never verify any information to any credit bureau ''!!! This information is currently reporting as a personal note on my report and still causing loss and damages to my person XXXX XXXX XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following inaccurate information that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. Please investigate this closely and remove them from my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have something on my credit report that a adult I trusted used, I have just turned 18 and They fraudulenty used my credit to get a home and name, now I have a eviction on me.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

Approved for XXXX XXXX on XX/XX/2022, BUT NEVER RECEIVED FULL AMOUNT OF refund OVERPAYMENT. XXXX XXXX has closed and every agency keeps referring me back to them.
Product: Mortgage

I was under the impression that everything cleared for me to close on my own. Two days before closing I was told I wasnt going to be closing and I wont be getting my earnest money back after I had paid for an inspection and Im relocating from another state. All of my things were in transport already.
Product: Student loan

To whom it may concern I am writing you now, because I do not know were to turn for help. I have XXXX private loans with Navient, which was originally XXXX XXXX. I received the loan from XXXX back in XXXX. I was under the impression that it was a regular loan. I did not know it was a private loan until I went to consolidate my federal loans and told I could do all, but XXXX. Since XXXX I have been paying Navient, at time even paid extra. for the past 2 year all of my payments even the extra payment have went to interest only. Non of my payments have went towards the principle, so the balance remains the same. My original loan balance for XXXX was XXXX and XXXX. However while in school was being charged interest at a high right. Now the balance of the loans are XXXX and XXXX. I called to see how can I rectify this since I am paying, but nothing is going to the principle. I was told I had to pay if all off at XXXX time. So my payment will continue to go only to interest. I feel like I am trapped. I filed Bankruptcy in XXXX, but found out that the loan are protected. So I still have to pay them. I do not know what else to do. They use to call me all the time, but my Bankruptcy lawyer at the time was able to get them to stop. 
I do n't know were to go from here I can not afford to pay them off as I have other federal loans and a family. So far I 70 % of my original balance in Interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via XXXX # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on Equifax 6. Credit Limit is {$0.00} on Equifax 7. Date of Last Payment is incorrect on Equifax 8. Account Status on Equifax is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 (  a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : Equifax dispute - XX/XX/XXXX, XXXX  Dispute - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a second-round dispute regarding late-open accounts that have been reported on my credit report by the XXXX Credit Bureaus. In my previous dispute, I raised concerns about the late-open status of the accounts listed above. I provided evidence and explanations for why I believe these accounts were inaccurately reported as late-open. Despite my initial dispute, the late-open status remains on my credit report. 
I had attached copies of supporting documents that reinforce my position that the reported accounts were not late-open. Include any documentation or other records that support my claim. In my previous dispute, I outlined the reasons for my dispute and provided evidence to support my position. I am including a copy of my initial dispute for reference. I am requesting that the XXXX XXXX XXXX conducts a thorough investigation into the late-open status of the accounts in question. I ask that they promptly correct any inaccuracies and remove any late-open notations that are unwarranted. I am deeply concerned about the impact of these inaccuracies on my creditworthiness and financial well-being. I trust that the CFPB will help facilitate a fair and accurate resolution to this matter. I kindly request that the CFPB investigates this second-round dispute and takes the necessary steps to ensure the accuracy of my credit report, particularly with regard to the late-open accounts. My personal details and the account 's information in question and needs to be corrected are as follows : XXXX XXXX Balance : {$3400.00} ; XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$45.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 15 U.S.C 1681c. ( 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I never received my escrow refund in XXXX and XXXX ( loan # XXXX ). The property address is XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. I have called Nations Direct Mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) monthly for the past 6 months about my refund for escrow and overpayment of {$1000.00} ( XXXX ) and {$620.00} ( XXXX ) and each time they say that they will send it but they never send it. Every time I call they say that I have to wait 30 business days and then they can update their accounts. They have try to say that that do not have record of a refund and they have removed my electronic history for more than 365 days so I can't even see my account for years past XXXX. I have sent proof of documentation from physical copies I printed even though they have restricted my account history and then they change their story ( different story every phone call! ) to say they never received the request for the refund or they forgot to send it. This has gone on since XX/XX/XXXX. They have since increase my escrow requirement in XXXX and have not reflected the current balance due to the overpayment on XXXX and XXXX.
Product: Credit reporting

I have XXXX collections showing on my credit report that was unauthorise XXXX XXXX XXXX and XXXX XXXX and inquries that I did n't authorize that im having trouble removing. I put an fraud alert on my report and I also have police report in regards to the items. but no reponse.