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

Experian has been sent proper forms of identification several times and they are still reporting this information after I informed Experian of this inaccurate information. 
I have noticed personal information that should not be furnished on my Experian consumer report. 
I have given proper documents to verify my identity My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX all other addresses you list on my report are wrong. except for XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX they are in clear violation of these laws. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than sole allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), which they are in violation of 15 U.S. Code 1681n ( 1 ) ( a ) Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the CRRG. 

Deviation from these standards jeopardizes the integrity of the data, as emphasized in the CRRG. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may lead me to escalate these issues to the CFPB, FTC, and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving harassing and threatening telephone calls of profane and abusive language, threats of garnishment of wages, being sent to jail, violence and death from XXXX XXXX XXXX, XXXX XXXX XXXX Hospital Debt Collection Representatives for a fraudulent debt of {$200.00} and account thats not my account and is the result of identity theft. The account and debt is a fraudulent account and debt thats from identity theft. Its extremely appalling and frightening to be receiving telephone calls of death threats. I am in fear of my life. XXXX XXXX XXXX, XXXX XXXX XXXX Hospital is in serious and major violation of of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.
Product: Money transfer, virtual currency, or money service

I received a transfer by XXXX of XXXX dollars on XX/XX/2023, XXXX days later they deducted it from my account, alleging the bank that it had been reported as fraud and that I account was being closed, that I could not be a customer of XXXX XXXX neither now, nor in the future, that they made an alleged investigation, Something that does not coincide since I as a client were never protected, all the data I provided and told them that I had proof and with everything and that they decided to protect the other gentleman
Product: Checking or savings account

I called to customer service to open a debit card dispute and is impossible to speak with someone, I dont have SSN so the automatd system gets crazy requesting that information. 
There is no way to bypass that request. 

On XX/XX/2024 I tried to get money from an ATM, I tried 3 times to get {$20000.00} but the ATM machin didnt give the money, just made noice like counting the money but didnt get out, the fourth transaction for the same amount the ATM gave the money {$20000.00}. 
So I need to dispute 3 transactions ATM withdraw {$20000.00} each one. 
Only one of those 4 was approved and given.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an investigation request to Equifax. They were supposed to investigate inaccurate accounts on my credit report, and respond within 30 days. They have not done so.
Product: Student loan

I have been reaching out to federal student aide and nelnet since XX/XX/year> when I found out my loan was being discharged. I keep getting the run around from both. I received a call from Nelnet on XXXX telling me to contact Federal Student Defense. I contacted that department in XXXX, XXXX. In XXXX I noticed in XXXX the Loan is discharged. However when can I expect payments from XXXX? Please advise on the next steps? Am Im getting reimbursement?
Product: Checking or savings account

XXXX XXXX XXXX debited my account for the amount of {$140.00} on XX/XX/XXXX. I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to this lender on XX/XX/XXXX. I will attach the documentation to this complaint. I called Chase Bank and successfully disputed this transaction. 

On XX/XX/XXXX XXXX XXXX XXXX again debited my account for {$140.00}. This time using an eCheck. When I called Chase Bank, they denied my request and said that I have to deal with the Merchant XXXX XXXX XXXX XXXX ) directly. The thing is, I've already tried to get my money returned from the Merchant and they are going to continue debiting my account. 

So, I called Chase bank to dispute the payment and the customer service representative, XXXX, told me that I have to deal with the merchant. Then she hung up on me instead of transferring me to a supervisor. This is simply not true. According to the CFPB, QUESTION 7 : If a consumer provides notice to a financial institution about an unauthorized electronic fund transfer ( EFT ), can the financial institution require that the consumer first contact the merchant about the potential unauthorized EFT before the financial institution initiates its error resolution investigation? 

ANSWER ( UPDATED XX/XX/XXXX ) : No. A financial institution must begin its investigation promptly upon receipt of an oral or written notice of error and may not delay initiating or completing an investigation pending receipt of information from the consumer. See Comments 11 ( b ) ( 1 ) -2 and 11 ( c ) -2. For example, in 2019-BCFP-0001, the Bureau found that the practice of requiring a consumer to contact the merchant before initiating an error resolution investigation was a violation of Regulation E. Similarly, the Fall XXXX edition of Supervisory Highlights discussed instances where examiners found that one or more financial institutions had instructed consumers to contact the merchant instead of promptly initiating an error investigation.
Product: Debt collection

Letter received from HRRG Collections. I called to inquire about the debt and they collected last XXXX digits of SSN and asked for my date of birth, which I would not provide and hung up. Attempted to send inquiry via XXXX and web inquiry failed. I searched online to identify the original debt and there is no authentic result. I have no record of an appointment on the date of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$340.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account on my credit report, it belongs to my son, we have the same name, it is for progressive insurance, Ive never had progressive, I called the collection agency, they confirmed its not me. Experians investigation is lousy, they see the name and assume its me, once i gave the collection agency my birthdate, they told me its not my account, why is experian being so lazy, please assist me with experian, Im trying to refinance my house and that collection account is hurting my credit score,
Product: Debt collection

to whom it may concern, i have an old debt that is over 8 yrs old from XXXX  XXXX in the amount of XXXX i recevied a letter from PRA LLC A.K.A . Portfolio Recovery Associates that states i owe XXXX on XX/XX/21 i sent PRA a certified letter that i have attached with this case. it is now XX/XX/21 and i still have not received the information that i requested. i have confirmed with them by phone that they have received the letter. i even have the receipt that it was delivered. unfortunately if you look up the tracking number it still will show it in transit. i have spoken with usps numerous times about changing the information but they refuse to. as for my second certified letter it is having the same issue. i truly believe they know someone at that p.o., i find it funny that both letters miraculously find a way to go missing. 

they have repeatedly harrassed me through letters and phone calls. please investigate them. the are refusing to provide me with info that proves they have a right to collect this debt.and placed this debt on my credit report. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Credit card Date Opened XX/XX/XXXX {$8000.00}. 
XXXX XXXX XXXX {$6000.00} Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX {$810.00} XXXX XXXX {$2700.00} Opened XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX Dear Credit Bureau, I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX Account Information Account Number : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ) High XXXX : {$4000.00} ( XXXX ), {$0.00} ( XXXX ), {$2400.00} ( Equifax ) Last XXXX : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date XXXX : XX/XX/XXXX ( all three ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX, Equifax ) Balance XXXX : {$4000.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) Account XXXX : Derogatory ( all three ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( XXXX, XXXX ), Account disputed ( Equifax ) Creditor XXXX : Miscellaneous Banks ( XXXX ), Bank Credit Cards XXXX XXXX XXXX, All Banks ( Equifax ) Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Charged off as bad debt ( XXXX ), Subscriber reports dispute resolved - consumer disagrees ( XXXX ), Consumer disputes after resolution ( Equifax ) Payment Amount : {$0.00} ( all three ) Last Payment : XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( Equifax ) Term Length : XXXX ( all three ) Past Due Amount : {$4000.00} ( all three ) Account Type : Credit Card ( XXXX, XXXX ), -- ( Equifax ) Payment Frequency : XXXX ( all three ) Credit Limit : {$2500.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : 1. High Balance : Different amounts reported by XXXX ( {$4000.00} ), XXXX ( {$0.00} ), and Equifax ( {$2400.00} ). 
2. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
3. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
4. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 
Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage loan was on Mortgage relief program due to my source of income got affected by Covid 19 at pandemic. Mortgage relief was called Foreberance. Therefore we are temporarily excused to pay our monthly dues for at least a year or until we can able to pay again our regular monthly mortgage. We temporarily stopped paying from XXXX to XX/XX/XXXX, however I call Flagstar Bank regular to give them an updated regarding my financial status and update them regarding my job status. 
On XX/XX/XXXX, before the said year ends, I notified them that I will be able to resume my monthly mortgage starting XX/XX/XXXX since I already got a regular job and that my financial status is already stable. Flagstar Bank sent me all the required paperwork to fill out and sign and notarized them before I send it back to them. After about 4 weeks, I followed up with them if my mortgage loan status I already current, Flagstar Bank confirmed that my mortgage loan status is back to current and that FHA has released them the money to cover all the dues during the months that I havent been able to pay. According to the paperwork that I signed, I now owe dues to FHA and not Flagstar Bank, and wil have to pay FHA loan on year XXXX or the loan can be deducted if we decided to sell the property someday. The total amount is {$29000.00}. Therefore, this amount should not appear anymore in my monthly mortgage statement since FHA have already released the money to them but Flagstar Bank is not cooperating until to clean my records. I have called them multiple times already since XX/XX/XXXX to clean my record and stop sending a separate statement under the A company name called XXXX XXXX that states I have a due of {$29000.00}. The loan statement is give to to me separately from my regular monthly mortgage statement that I should pay {$2600.00}. Whenever I call Flagstar Bank, they only tell me that they will fix it and let XXXX XXXX know about the problem and that I should not worry about it. I cant stop worrying about since they told me that it will be for 90 days. That 90 days have passed and Im receiving a statement from XXXX XXXX. It looks like Flagstar Bank doesnt seem to do what they are supposed to do. Since all my calls are recorded, they should have all the recording of all the conversations between me and their representatives. I have attached the latest copy of the statement from XXXX XXXX for their reference.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a XXXX  day late payment posted for VW credit, and that they reported this XXXX  day late payment fraudulently, inaccurately, and unfairly. As you can see from the attached screenshot, the Date of Last activity shows XX/XX/XXXX, and my account was NOT XXXX  days late on this date. I also called them on XX/XX/XXXX, and I have their company representative stating on their recorded line that they post XXXX  day late payments BEFORE the account hits XXXX days past due. This is fraud, and it is inaccurate and unfair reporting, which is a direct violation of the FCRA! This inaccuracy on my report has ruined my life and now I can't purchase a home because of this inaccurate reporting when I had perfect credit before this! They must provide this recorded call as evidence that their representative stated that they post XXXX  day late payments before the XXXX  days because this is what they actually did on my credit report. VW Credit must also prove that my account was NOT XXXX  days past due on XX/XX/XXXX, which is the Date of Last Activity by the company. 
I'm extremely concerned that VW Credit will not fix this because they had a XXXX XXXX XXXX back in XXXX where they were at fault for fraudulent and inaccurate reporting that they did not investigate and/or correct. 
Overall, they fraudulently, inaccurately, and unfairly reported my account as XXXX past due BEFORE it was XXXX  days past due!! This must be fixed and disciplinary action should be taken against VW Credit. 
Also, they are reporting the " date opened '' inaccurately. Please see screenshot provided.
Product: Checking or savings account

XXXX XXXX is you available employee have Ben very rude and nasty I've given my information to someone over the phone and through email multiple times I was told to write first and last name today 's date last four digits of social security number attached you with ID on paper with a selfie I have done this several times it's been 3 months and my information is still not updated on my account I don't have access to the app So every time I call I have to repeat the old information my old address my old email address my old phone number that I'm no longer using is been 6 months it's going on 7 months I have a whole new phone number whole new email address whole new address have given it to your employees several times and they tell me wait 2423 hours work 33 hours it would be updated it's been 4 months and my information has not still been updated in the system you employee decided to cancel my account with out my consent I have no way to get my money off my card
Product: Mortgage

Im not sure if theres anything that can be done because this happened back in XXXX but just wanted to check, I had a massive XXXX XXXX in XXXX and I had to retire from work so I contacted my mortgage company and asked them about a loan modification and the first thing they told me was I had to be at least 3 months behind on my mortgage payments before they could do anything so I stopped paying them for 3 months and then contacted them again and they told me that I was a good candidate for the loan modification, after about 9 months of going back and forth I was told that I had been approved and they would send me a modification package for me to review and sign, after reading the paperwork I found out that all they did was add the payments that I was behind on and add them to the existing loan and raise the interest rate, so my payments went up, then I found out that they were doing this to a lot of people, instead of helping people they were foreclosing on as many houses that they could and then I found out about a class action lawsuit against them, I got a letter and a check for XXXX XXXX dollars, I lost my house and got XXXX XXXX dollars for my troubles, my family and I have been struggling for years trying to keep a roof over our heads because once you have a home foreclosed on your credit is ruined and right now rent is outrageous, I was forced out of my home because of them and thats not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed a new copy of my credit report and there are hard inquiries on my credit report that I do not recognize. Please remove these hard inquiries. 

XXXXXXXX XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX ( Finance ) XXXXXXXX XXXX XXXX ( Bank ) XXXX ( Retailer XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank )