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

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 USC 1681c-2 ( a ) ** Dear XXXX Customer Service , I am writing to demand the immediate blocking and deletion of all fraudulent accounts and inquiries that have appeared on my credit report as a result of identity theft. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) to have all unauthorized information permanently removed from my file. 
The fraudulent entries I have identified are as follows : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Under federal law, you are required to block this information from my credit report upon confirmation of identity theft and provide written confirmation of its removal. You are also obligated to notify me of the outcome of your investigation, including the evidence used to determine the validity of any reinstated information. 
I have included the following documentation to assist with your investigation : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report Your companys negligence has already caused me undue harm, and I will not accept further delays or inadequate responses. If this issue is not resolved promptly, I am prepared to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure that my rights are upheld. 
This matter requires your immediate attention. Please provide a written response and confirmation of the actions taken within the legally mandated timeframe. If additional information is required, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt compliance. 
Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX  XXXX - XXXX {$1000.00} XXXX XXXX XXXX - XXXX {$640.00} XXXX - XXXX {$730.00} XXXX XXXX  XXXX {$840.00} XXXXXXXX XXXX XXXX XXXXXXXX {$840.00} XXXX - XXXX XXXX {$550.00} XXXX - XXXX {$550.00} XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$640.00} XXXX - XXXX {$830.00}
Product: Credit card

I've been attempting to apply for credit limit increases with Capital One for XXXX years now. I have XXXX cards with the company and have been a customer for upwards of 6 years now. Starting roughly XXXX years ago, they claim that there is pending legal action against me and that they are unable to authorize my credit limit increase request because of this. I have called them multiple times requesting additional details on where this information is being sourced from and how I can correct this and making sure they understand that there is no pending legal action against me. I have also confirmed firsthand and relayed to Capital One that my credit reports from the XXXX major bureaus do not show any evidence of pending legal action. Everytime I try to solve this issue by calling them, they tell me they can't provide me with information on where they get their information from, and then when I attempt to escalate to a manager I am being told that they will file a ticket and follow up with me but never do, or tell me that there's nothing they can do for me and that I'm welcome to try applying for an increase again if I believe this is in error. I have tried applying at least XXXX times now, and everytime I get the same denial with the same reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report number # XXXX dated XX/XX/2018 I have tried numerous time reaching Experian as they make it VERY VERY difficult to reach to start a dispute. They are WRONGFULLY reporting items that I have no knowledge of on my report, in addition when I finally get in touch with some, either online or on the phone, their system could not allow me to dispute.  Experian has had hurt my credit rating and negative affected my credit history and ability that jeopardized my family for their wrong doing. 

On that file, i NEED the following to be removed as they are wrongfully listed XXXXXXXX XXXX XXXX COR # XXXX XXXX XXXX XXXXt COR # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Thank you.
Product: Credit card

Hi my name is XXXX XXXX i applied for a chase freedom flex in XX/XX/year>. They ran my credit from experian ( XXXX ), XXXX ( XXXX ) denied me, I called the reconsideration line got approved.he stated it would be another inquiry and they sent me a email XX/XX/XXXX confirmed I was approved.XXXX XXXX  they pulled my credit again from experian and XXXX! And they sent me another email stating i have been XXXX received my card and use it a couple times and I received more notices within days!!!!!! This company sent me letters on XX/XX/XXXX stating to call them and verify transactions.and another one stating they closed my account due to them running my transunion again and key factors!!!! My transunion is great no collections, over XXXX a consumer violation. They ran my credit over XXXX  times over XXXX freedom flex XXXX limit card.after the establishment relationship with this bank i never requested or authorized them to run my credit again!! They only report!! I have XXXX XXXX XXXX XXXX XXXX, credit XXXX, and discover. I never had a problem with my lenders in over XXXX  years
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I sent a letter requesting Experian to review my accounts and send me a written description of results. Experian replied with accounts verified and or updated. I wrote a second letter requesting description on how accounts were verified. The results were the same, verified or updated with nothing changed on my credit report and NO written description as requested on how the accounts were verified. According to 15 USC 1681i7 Experian has violated my rights on two separate accusations now. I would like these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following account isnt not mine. Equifax deleted and permanently blocked the following account from my Equifax credit report between XX/XX/XXXX through XX/XX/XXXX : XXXX Child Support Enforcement. The account has been put back on my credit report, even though, Equifax deleted and permanently block this account from my credit report between XX/XX/XXXX through XX/XX/XXXX. The account is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have attached an FTC report with collections and inquiries I didn't authorize
Product: Debt collection

I received a traffic citation from XXXX County on XX/XX/2019. I paid the traffic citation in full in the amount of {$160.00} on XX/XX/2019. Recently, on XX/XX/2019, I received a collection notice in the mail from Penn Credit Corporation. They claim that I have an outstanding balance with XXXX County Clerk of {$62.00}. I responded to the notice by calling the number provided to explain that I had already paid the amount in full. They asked that I sent proof of payment. I proceeded to email a copy of my receipt from XXXX County. And today on XX/XX/2019. I received a phone call from Penn credit stating that the receipt I provided was not sufficient enough proof of payment of my traffic citation. Now, they are asking that I send over copies of my credit card statement showing that the funds were taken from my account. 

I believe this is a scam because I have not received any correspondence from XXXX County stating that they have not received my traffic citation payment. It seemingly went straight to collections.
Product: Debt collection

I have an account on my credit report that has a balance of {$25000.00} which is a medical debt from 2019. This debt has been in my credit report for a while and since the company ( AARGON AGENCY ) reported that on my credit I started disputing it, because this does not looks like an account that is mine, I have been asking for validation of debt, but they did not answer to any of my letters. Three month ago they sent me a letter providing information on the account, based on the letter, I was hospitalized for five months with is not true, because I have never been in the hospital for more that 4 days, attached to this complaint will be the letter I received.
Product: Mortgage

On XX/XX/2016 I received an email from Nationstar that my home mortgage loan servicer was changed from XXXX to Nationstar. On XX/XX/2016 I received a privacy form letter from Nationstar stating that I could opt out of my information being provided by Nationstar to non-affiliates, etc., to market to me. Responding to this letter to indicate that I do n't want my information provided to such entities requires my Nationstar loan no. I called Nationstar to get my loan no., and was told it was not available because Nationstar just bought several other servicers and they are very busy inputting all of the data, but that there will be no late payment penalties for the first two months, presumably because it will take that much time for them to get me a loan no. so that I can make my mortgage payments. My concern is that many people will forget about this privacy letter between the time they receive it and the time they receive their loan no., thereby thwarting the purpose of the law. I would like to see Nationstar re-send the privacy notice with, or shortly after, it sends out the notice of everyone 's new loan no 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY QUESTION IS WHY A COMPANY THAT SUBMITS CREDIT INFORMATION ( AND HAS A RIGHT TO DO THAT ) AND FINDS THE ISSUE WAS RESOLVED DOES NOT HAVE THE ABILITY TO HAVE THAT CORRECTED SO ONES FICA SCORE CAN BE CORRECTED ( AT LEAST BACK TO WHERE IS WAS WHEN THE ORIGINALLY REPORTED THEIR ISSUE?   This makes no sense, being they can not do that could cost a consumer a loan or a higher interest rate because of something that is incorrect.   Not fair, common sense would suggest that is a report is received and proper resolution is found due to a mistake or judgment error ... whatever, they should have the ability to go in and correct th e FICA score and according to Discover, th ey are not allow to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX via Phone ( XXXX ) XXXX, and conversed with XXXX XXXX who has assisted me with addressing me with contacting Trans union who failed to have 4 previous and present loans with XXXX XXXX XXXX not presently on my credit report and there is a 70 point descprencey, and my credit report is not a 100 percent and want to ensure it's accurate. I have enclosed documents from my credit report from XXXX XXXX as well for forward documents with Ms. XXXX.
Product: Mortgage

Wells Fargo filed a foreclosure with the XXXX County courts on last Tuesday ( XXXX/XXXX/XXXX ). A Case Management Conference has been set for XXXX/XXXX/XXXX at XXXX. They have n't even served me as of today ( XXXX/XXXX/XXXX ), but yet " questionable '' summons have been submitted to the courts. My mailbox has been inundated with letters from local attorneys attempting to solicit my business on a matter that I knew nothing about. I tried to get another HAMP modification after my hardship began on XXXX/XXXX/XXXX, but I was told verbally and in writing that I did n't qualify because 2 years had n't passed since my last application. I have reached out to Wells Fargo more times than I care to count and only to be denied further assistance from their rude and unprofessional customer service representatives. I had to go online to find the Homeowner Financial Assistance Form and Hardship Affidavit Form in order to submit my modification packet on today ( XXXX/XXXX/XXXX ). I 'm awaiting a response from their Home Preservation Department.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute the inaccurate information on my credit report for account XXXX XXXX XXXX Account # XXXX. Despite previously disputing this account, the information remains inconsistent and continues to violate the Fair Credit Reporting Act ( FCRA ), which requires that all information on credit reports be accurate, complete, and verifiable. The continued reporting of inaccurate information constitutes a violation of the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ).

The account in question contains discrepancies in the following areas, as well as others : High Credit Limit : The reported high credit limit on the account is inconsistent across different updates to my report.

Date Last Active : The reported date last active is inconsistent and changes with each reporting update.

Date of Last Payment : There is also an inconsistency in the date of the last payment on the account.

These inconsistencies suggest a failure to maintain maximum possible accuracy as required by Section 1681e ( b ) of the FCRA. Furthermore, by failing to correct these errors after my initial dispute, XXXX may also be in violation of Section 1681i ( a ), which mandates that credit reporting agencies reinvestigate disputed information in a timely and reasonable manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account as paid in full and XXXX and the creditor have not updated the account correctly which is a violation of the FCRA. I disputed the account XXXX and XX/XX/2021. The account balance was {$3400.00} and the debt was settled for {$870.00} per the settlement letter received. I submitted the information to XXXX and they stated that the company verified that the original amount is correct and didnt update the account as closed and paid in full. Which is incorrect information.
Product: Vehicle loan or lease

The car I just purchased had problems 5 days after I got it The car was in repair shop over a week. Has problems driving it two weeks. I put XXXX down and last payment was on XX/XX/XXXX for XXXX every two weeks. My car got repo this morning and i tried calling over the weekend and emailed them to let them know I would make payment Wednesday
Product: Student loan

I have accumulated about XXXX dollars in student loan debt from attending XXXX XXXX XXXX from XXXX-XXXXish-I received an XXXX XXXX with credits that will not transfer and was led to believe during my counselor appointments that I would not owe near of what I ended up owing at the end. At one point I had a separate loan that was a personal loan that was not even presented properly and I was definitely misled about all of my finances for schooling. After finishing school, I attempted to pay on my student loans with Sally Mae and I was not ever able to make steady consistent payments because the amount they requested for me to pay monthly was well over my head. I continue to struggle with paying my loans through Navient and I yet to come to an agreement on a monthly payment amount. I find myself ignoring phone calls now as I feel no one is willing to help. I'm not understanding why the payment amount can not be set at a payment that is affordable? I would think some consistent money is better than none?! At least that's what I continue to tell my ex that owes a very large amount in back XXXX  XXXX. I went to school-I am willing to pay for my schooling-even though it has done nothing for me except put me in debt and ruin my credit. I am not willing to live on the street so I am able to pay back my student loans. I wish someone would help all of us in this situation.
Product: Credit card or prepaid card

I began to have issues with my account when I purchased items online and then returned them. I made a purchase from XXXX XXXX on XX/XX/2022 for {$170.00} and made purchase from on XXXX XXXX XXXX for {$120.00}. I returned XXXX items and was issued a credit of {$120.00} from XXXX. However, the credit was supposedly applied to XXXX for {$120.00} took the balance {$2.00}, Now after months {$53.00} balance that has reappeared. There was another credit is from XXXX on XXXX XXXX for {$230.00} however, the items were billed as XXXX different transaction instead of XXXX {$76.00}, {$97.00} and {$65.00}. The items for {$97.00} was fully returned and a additional {$20.00} was issued for sale adjustment. I ask to explain were the XXXX was applied, no one could explain. So the credit of {$110.00} was issue towards the balance of {$230.00} purchase. I ask if this credit was applied correctly the said it was correct and the rep filled out a dispute. I have spoken to several reps who state that credit are being issue just to other things on your bill. I asking for all the XXXX, XXXX and XXXX 's item to be researched. Also, ask that all credit that are issue are issue to the out balance from the merchant that issue it. They keep adding back items by miscellaneous adjustment and it is not adding up correctly. I really dont understand how I and getting rebilled for {$53.00} after contesting the credit that should have been a XXXX XXXX credit.
Product: Mortgage

I requested a preapproval letter for a VA loan, which was granted to me. Based on this letter, I place a {$10000.00} deposit for a new home. Basically a year later, about XX/XX/XXXX, the loan was denied and the developer forfeited my {$10000.00} deposit. The loan originator, XXXX XXXX, new the develpment sales person, XXXX XXXX. When the money was forfeited, I sent a message to XXXX XXXX, her response " I'm sorry '' Later, I learned through a realtor that I didn't quslified for a VA loan because I was going through a foreclosure ( still dealing with that ). 

The lender check my credit, they knew about my foreclosure case because it started back in XXXX, nevertheless they game me a preapproval letter for a loan it could not be granted. 

If you go through a foreclosure, you have to wait two years after the conclussion of said process to appply for a VA loan.
Product: Debt collection

I notice portfolio reporting on my credit report never receive any notification or did business with this company before sent them a letters asking for a contract with my signature and nothing. I have attach a copy of the letter I sent.
Product: Money transfer, virtual currency, or money service

On XXXX of XX/XX/2018, I tried to transfer XXXX USD and XXXX USD to my brother, who lives in XXXX, to pay the medical bills of my mother. It was an urgent situation so I chose to send the money with XXXX XXXX ( www.transferwise.com ) Unfortunately, as soon as they received the money from my checking account, they deactivated my account. I have been trying to reach them and learn why they deactivated my account, why they did not transfer the money to my brother, why they have been holding my money instead of refunding it back to my checking account. To date, I have not got an answer. I have repeatedly called the customer service about the situation but all they have said to me is " we don't know ''. They don't give me a meaningful answer and they hang up the phone to my face. 

Currently, I don't have enough money to pay the medical bills of my mother. I need that money as soon as possible. They are refusing to answer me. They are refusing to refund my money. 

It is their job to transfer my money. If they are unable to transfer it, they should tell me the REASON and REFUND my money as soon as possible. 

I trusted them but they have been holding my money and not giving an answer and reason why they don't refund it back to my checking account. 

I need that money to pay the medical bill of my mother. I am a poor guy. I withdrew a loan from my 401K retirement account to pay the medical bill of my mother. 

What I have been through during the last week is unbelievable.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting 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. 
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