23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On Thursday, XXXX XXXX I was notified via email from XXXX  that a new account was opened in my name using my date of birth and social security number at JP Morgan/Chase bank . I immediately called the bank using the phone number supplied by XXXX. JP Morgan confirmed that a inquiry was made and that a application was made using my past name ( ex husbands last name ) XXXX XXXX XXXX and my ssn with my correct DOB for a credit card on XXXX XXXX. JP Morgan is aware that this is a fraudulent attempt at opening an account. I question how this would happen as my credit is locked on all three credit bureaus. I have Now, as of XX/XX/XXXX put a fraud alert on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX VALIDATION OF PROOF AND SUPPLY FOR BANKRUPTCY TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX XXXX XXXX OF REPORT ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX LETTER TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX FRCA VIOLATION TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX WARNING TO FILE CFPB COMPLAINT ( proof of exact letter sent and certified mail dates will be attached ) The above listed are the dates in when certified letters were sent out to validate how the credit reporting agencies obtain public record information. In doing so they have reopened accounts that were already included in the bankruptcy. 

Proof of what each letter stated will be provided for the investigation
Product: Credit reporting or other personal consumer reports

I have disputed this account : XXXX XXXX XXXX with Acc # XXXX Please help me to update the inaccuracy report from my file. I contacted the bureaus and it should be removed but I could not get any help. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a c consumer that the consumer identifies as information that results from an alledge identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete this item as soon as possible!

This account should not be furnished on any consumer report as they are in VIOLATON! Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with th 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 this account IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items were inaccurate and does not reflect the current status of the items. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; 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
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX with Kohl's/Cap One that she did not authorize. A formal dispute was provided to XXXX 's concerning these inquiries however Kohl 's has not responded to my client which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the Experian change the reporting of a mortgage company listed in my bankruptcy. The request was to exclude the mention of the mortgage company because it was not included in the discharge of my bankruptcy. I protected my home from being included. When I requested the change, Experian dropped my credit score XXXX points. I took that as being punished for requesting a change. They offered NO explanation.
Product: Mortgage

I filed for Bankruptcy to save my home in XXXX of XXXX. I began making my current payments my arrear payment which was apart of the agreement I made in my bankruptcy agreement. But when XXXX hit us in XXXX of XXXX I like other homeowners had a reduction in income. And although, I was strugglng, I still made some payments to both my trustee and the servicer of my loan. In XXXX of XXXX my bankruptcy was dismissed. I tried for a Loan Modification and was permanently denied in XXXX of this year. My State of NJ through the ERMA-HAF PROGRAM was willing to help me but because of the re-instatement amount which I am disputing I was denied. On 3 occasions I have request via fax which I was instructed to do by represenatives of Rushmore Loan Management to prove my dispute a 1 ) Proof of Claim & 2 ) The Owner & Servicer of my Loan. My last request was today XX/XX/XXXX with XXXX from Rushmore. I am including for your review documents that states that the {$6000.00} dollars I paid to Rushmore Attorney in XXXX of XXXX was put toward the same arreas that are listed on the Re-Instatement as still being outstanding.
Product: Student loan

I have been trying to get a refund for payments made during the covid forbearance. My refund has been processing for 30 days with no updates. I have {$320.00} coming to me in the form of a refund and received no confirmation email that this was processed. When I chat with someone, they keep telling me it's still being processed. This is becoming increasingly frustrating. I have no proof just by what agents tell me that they started the process, I have applied for the student loan forgiveness and want to make sure my refund is added back to the current balance of my loan, so it is paid in full. My loan company is Ed Financial, is there any way to get this process sped up?
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

In 2018 I was granted XXXX  in the United States. I followed the advice of my friends and opened a credit card with discover. Shortly after I experienced financial hardship and a XXXX XXXX which led me to a XXXX XXXX XXXX XXXX for weeks. At the end of my XXXX XXXX I found out discover had closed my credit cards and charged them off for non payment even though I talked to them and let them know what was happening. They refused to help me and they closed my accounts and sent them to the credit report which caused so much damage over the years. I havent been able to open a new credit card nor to open a new loan or credit line because of the hard report discover left in my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan ( {$12000.00} ) on XX/XX/year> through Goodleap , LLC, a California lending company for ductwork to be replaced in my attic. XXXX funded the XXXX XXXX, XXXX, the XXXX company even though the XXXX company did not complete the work. I had to pay another XXXX  company {$1200.00} to complete the job which XXXX XXXX did not complete. I am out an additional {$1200.00}. Goodleap refuses to reimburse me the {$1200.00} I paid out to the second XXXX  company,
Product: Credit reporting or other personal consumer reports

Im deeply disappointed to find unauthorized inquiries on my credit report today, with no explanation as to why they're there. I checked it as I normally do, but this time there were unexplainable discrepancies. I even refreshed my browser to see if it was just a glitch, but the issue persisted. I need this matter looked into immediately so I can stop worrying about it.
Product: Checking or savings account

The company originally opened an account for me after providing documents for proof of ID on XX/XX/20 a credit card was also opened the day after. I have been using this checking account to make payments and the credit card for daily spending. The company has frozen my accounts at this point and is requesting the same documents but will not give any insight as to why and refuses to let me access my account with my money in it. The company has pulled my credit multiple times and we have communicated on several different occasions and not once were additional documents mentioned.
Product: Checking or savings account

In XX/XX/2020, I was granted an EIDL loan as a contract based sole-proprietor who had suffered a loss of hours and income due to covid. 

On XX/XX/2020 Capital One froze my account, stating that as a sole-proprietor I wasnt eligible fo this loan. This is not correct. 

I have conferred with the SBA who assured me everything about my loan was in order and I did qualify AND was entitled to use the funds for rent and utilities. 

My wifes funds are also frozen, including payment shes received from her contracts. 

The funds have been frozen for almost 1 month. I have supplied all information to the bank to prove that I was eligible for this loan as a sole-proprietor and that funds were only used as permitted.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. 

However the credit bureaus said the completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? This is considered fraud and against the law.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  , DC XXXX Ref : XX/XX/XXXX Discover Card Charge to XXXX XXXX # XXXX i/a/o {$700.00} ref Complaint # XXXX Dear XXXX XXXX : I am disappointed that Discover Financial Services, Inc. upheld the charge for the above captioned charge.

1. Check-In-Details a. Host states Renters check in on XX/XX/XXXX. This is not correct. 
b. Renters contact both the Host and XXXX on XX/XX/XXXX via phone. The call was to state the property description was inaccurate. 
c. Renters never stayed at the property nor received any value for the disputed charge.

2. Cardholder has not received advisement or promise of credit directly from XXXX. 
a. This is incorrect. Cardholder contacted both Host and XXXX on XX/XX/XXXX. Host stated credit was the responsibility of XXXX and XXXX stated responsibility was the Host. 
b. XXXX Cancelation Policy, dated XX/XX/XXXX, and obtained via XXXX web site states 4. Minimum Quality Standards, Host Responsibilities and Reimbursement to Guest 4.1 If you are a Host, you are responsible for ensuring that the Accommodations you list on the XXXX  Platform are accessible, adequately and accurately described in the Listing description, safe and clean, and do not present a Guest with Travel Issues.

c. Prior supporting documentation clearly show the property was not described accurately on the XXXX website. The Host admitted via the two phones calls with the Cardholder on XX/XX/XXXX that the property was in a working class neighborhood and that no photographs of the outside of property were listed on the site. However, the property is listed as a resort property. Again, photographs submitted to Discover by the Cardholder on XX/XX/XXXX show the property is not a resort and further submission of recent crimes in the area ( not disclosed by Host ) affirm the property description was inaccurate. 

3. XXXX Cancellation Policy was provided to Cardholder in electronic delivery at reservation. 
a. This is incorrect. cardholder was not permitted time to review the policy and reserves the right to determine if delivery of such policy is recognized as legal notification by the XXXX of Virginia, State of Ohio as well as federal statutes. 
b. However, the policy again states that if the property was not accurately described XXXX and Host are required to provide a refund or substitute property mutually agreed upon be the Renter. 
c. Neither XXXX  nor the Host provided this option when contacted XXXX 4. Customer has been an XXXX member for XXXX ( XXXX ) years and accepted the XXXX Terms of Service.

a. This is incorrect. Customer has not ever been a member and has never received XXXX Terms of Service agreement. This includes the Cancelation Policy.

b. Cardholder failed to contact customer service.

i. This is incorrect. Cardholder contacted Host, XXXX and Discover on XX/XX/XXXX. 





Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX 
Discover Financial Services , Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand verifiable proof ( an original Contract with my signature on it ) verifying the account was late in payments. They were never able to show physical proof of that, because I always had my payments made thru my checking account and on time.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Inaccurate Reporting and Failure to Correct Errors Name : XXXX XXXX Report Number : XXXX Date Generated : XX/XX/year> To Whom It May Concern, I am writing to file a formal complaint against Experian regarding their failure to accurately report my credit information and their refusal to correct the errors on my report despite my repeated attempts to resolve the issue. 

The errors on my credit report include the following incorrect addresses and phone numbers that are not associated with me : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX I contacted Experian to request proper verification of these entries and their removal from my credit file. However, Experian merely stated that the information had been " verified '' without providing any supporting documentation or evidence of the verification process. This response is unacceptable and does not comply with consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 

The FCRA requires that credit reporting agencies conduct a reasonable investigation when a consumer disputes information in their credit report. Simply marking an item as " verified '' without providing documentation fails to meet this standard. Additionally, Experian has been subject to legal actions by the CFPB in the past for similar practices, which demonstrates a pattern of noncompliance. 

These errors in my credit report have caused significant inconvenience and stress. If Experian does not promptly correct these inaccuracies, I am prepared to take legal action for their failure to comply with consumer protection laws. 

I request the CFPB 's assistance in ensuring that Experian : Conducts a thorough investigation into my dispute. 
Provides documentation verifying the reported addresses and phone numbers. 
Removes any unverified or inaccurate information from my credit report. 
I trust that the CFPB will take this matter seriously and hold Experian accountable for their obligations under the law. Please let me know if additional information or documentation is required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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.