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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Delete from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 


7. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY IXXXX XXXX XXXX  Account Number : XXXX Delete this account. 


9. there is some inaccurate information reporting XXXX XXXX XXXX  XXXX Account Number : XXXX Delete from my credit report.
Product: Student loan

I am submitting this issue with a complaint about my Discover Student Loans. I have been through multiple calls and have now sent three different letters of dispute, as well as, an online document to my loan portal. Asking them to prove documentation of acquiring all information and custody of two loans from XXXX bank. Zero information was given to me that the loans were purchased, no contact nor any form of agreement was confirmed. Only a single document, 5 years after the initial loan that I am paying them now. Ever since, Discover has increased my student loan rate to absurd levels far beyond it possible for decent living while working 3 jobs. I have to receive any documentation pertaining to receiving notice when my interest increases ( count is 3 missed occurences ). Even calling about taking almost half of my monthly paycheck for a change in payment plan has fallen through because they have refused the service due to, " you have payed everything on time and in full, what is the problem with paying now. '' Currently have three loans with Discover. 
Total amount : XXXX Monthly payment : XXXX Not only have all mailed versions, phone calls and online Discover submitted letters have been ignored. It is possible because I am still not missing payment dates that they do not care. I have been trying to collect my due information in lines with the Fair Debt Collection Practices Act and similar state laws. I have been in contact with the XXXX and their advisers. At this point they recommended that I contact my state attorney general and the CFPB for assistance. 

At this point, what would you recommend? 

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

I SEE THAT THERE ARE PUBLIC RECORD THATS SHOWING ON MY CREDIT FILE I NEVER HAD ANY PR, SO I WOULD LIKE TO SEE THAT THIS MATTER IS UPDATE AND REMOVE ASAP. 

XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Money transfer, virtual currency, or money service

Account locked and under review. Not able to trade, or withdraw funds. Has been at this status for several days with no warning, explanation or update provided. Support case and complaint raised - case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account being reported on 2 of my credit reports by XXXX XXXX. I sent XXXX XXXX a letter and mailed it certified letter return receipt # XXXX on XX/XX/2018, which they received and signed for on XX/XX/2018. To date, XXXX XXXX has not responded to my written request nor provided me with any validation for alleged debt. I have been forced to file an Identity Theft Report - Report # XXXX with the Federal Trade Commission because XXXX XXXX is reporting this false debt on my credit reports and has not complied with the law regarding The Fair Credit Reporting Act.
Product: Debt collection

XX/XX/2020 XXXX afini/XXXX  XXXX XXXX THIS WAS FILED ON MY CREDIT REPORT AND I HAVE NO REASON TO DO BUSINESS WITH THEM. I TRIED REACHING OUT TO THESE GUYS AND THEY HAD NO ANSWERS FOR ME. I WANT THEM TO REMOVE FROM CREDIT REPORT XXXX, THIS IS CAUSING PROBLEMS FOR ME. MY CREDIT IS FLAGGED TO CONTACT ME BY EMAIL AND PHONE WHEN MY CREDIT IS RAN. AND HAS BEEN IN PLACE FOR OVER 5 YEARS. I UPDATE EVERY YEAR.
Product: Credit reporting

The " Experian '' report was not available at the time, so it was skipped. It will not allow me to return and review this particular report. This is the report most creditors we would like to use obtain their credit reports.
Product: Credit card

Chime and XXXX have received a letter of credit by consumer along with principal information like social security account number. Chime and XXXX have taken my receivable to use for their benefit while holding my credits in escrow or trust instead of extending the same credit of at least $ XXXX {$500.00}. Not only that but chime claims they to generate credit limits. When it is a transfer agent responsible for my consumer paper and the extension of credit offered and advertised to the consumer.i have asked chime to release to me HOW they've calculated my remuneration since their electronic calculations differ from their My Pay Agreement section 4. This consumer has supplied third party information to chime in accordance with the terms and conditions in order to participate in MyPay Yet my limits aren't calculate properly. My income is not {$110.00}? And my limits shall be higher
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed 4 certified letters over the past two years in regards to this matter. The most recent letter was mailed XX/XX/XXXX ; US bank has yet to respond nor fix the problem. I have been a model customer aside of my one mishap in XXXX. Since then I have paid every bill on time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that my utilization rate is being reported on my XXXX account. Utilization rate is categorized as an " experience '' I have with that company so reporting it publicly to XXXX, TransUnion and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) ( a ) ( i )
Product: Credit card or prepaid card

I bought the visa gift card at XXXX  on the XXXX of XXXX. i attempted to purchase something online but the card was declined. shortly after waiting weeks it never got off hold and couldnt be used for online and in person transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2014 -- -- - {$490.00}. reported on my credit report. told them this in not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

United States XXXX Bankruptcy XXXX Chapter 7 Filed Filing Date XX/XX/XXXX XXXX XX/XX/XXXX Reference Number XXXX XX/XX/XXXX this bankruptcy came off my XXXX Credit report but is still on XXXX and Equifax. Please erase off these XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute and Request for Removal of Inaccurate XXXX Information Dear Sir/Madam, I am writing to dispute the inaccurate XXXX information that appears on my credit report. Upon review of my credit file, I have identified a XXXX entry that is incorrect, and I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and possibly state-specific consumer protection laws. 

The XXXX listed on my report appears to be either outdated, erroneously reported, or completely inaccurate based on my records. As you are aware, under the FCRA, information that is inaccurate, incomplete, or unverifiable must be removed from my credit report. Specifically, I am requesting that you investigate the following : Incorrect XXXX Filing Date : The XXXX listed may not reflect the correct filing date or may be reporting a case that was discharged but is still appearing as open. 
Duplicate or Misreported Information : It is possible that a different individual 's XXXX information was mistakenly reported under my name. 
Lack of Documentation or Verification : If the XXXX claim is not substantiated with proper documentation or is otherwise unverifiable, it should be removed immediately. 
Please consider this letter as a formal dispute and request for investigation under the Fair Credit Reporting Act. According to 15 U.S.C. 1681i ( a ) ( 1 ), you are required to investigate my dispute and resolve it within 30 days of receiving this letter. If the information can not be verified or substantiated, you are legally obligated to delete it from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ). 

Additionally, I request that you provide a copy of any documentation or evidence supporting the XXXX entry, including court records, that were used to report this XXXX to the credit bureaus. Should you be unable to provide this, the entry must be removed from my credit file immediately. 

If this inaccurate XXXX listing is not corrected or removed within the required 30-day period, I will consider filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and the [ State Attorney Generals Office or State-specific regulatory body ], as my rights under both federal and state law are being violated. In some states, consumers are entitled to pursue damages for violations of credit reporting laws, and I am prepared to take all necessary actions to enforce my rights. 

Please respond promptly to confirm receipt of this letter and provide me with an update on the status of your investigation. If further documentation is required, I will be happy to cooperate to resolve this matter. 

I look forward to your timely and favorable response. 

Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, XXXX XXXX XXXX called saying that I have {$2000.00} owed to " Mastercard '' from XX/XX/XXXX. I told them that I don't have a Mastercard, that I never have had a {$2000.00} credit limit and that if it was in fact from XX/XX/XXXX, then the statute of limitations expired in my state ( Michigan ) after six years. They told me it doesn't work that way and that they would sue. They have since sent letters to my mother 's house when I have never lived there nor do I live anywhere near her.
Product: Credit card

I had a false charge on my account, which I reported last XXXX. 
Chase provided an " explanation '' of their review outside of the 90 days required by the Act. As a result, I had discarded my own paperwork. Chase did not provide ( 1 ) evidence supporting theor reason for denying my claim; ( 2 ) Evidence of my debt; ( 3 ) Evidence that the goods were delivered to me plus a statement to that effect. Chase is not taking this seriously as all these are required by the Fair Credit Act ( 1974 ).
Product: Debt collection

Formal Complaint against Upgrade Inc Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Upgrade Inc for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Upgrade Inc placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. I hereby declare my revocation of all communication channels with Upgrade Inc including text messages, emails, and phone calls. I insist on engaging through written correspondence. In line with my rights under the Fair Debt Collection Practices ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Upgrade Inc provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Upgrade Inc is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. The date on my consumer report indicating that I opened an account with Upgrade Inc is blatantly false. I neither received any services nor products from this company. This information tarnishes my credit history and infringes upon my consumer rights. Moreover, it has come to my attention that Upgrade Inc is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. The actions of Upgrade Inc constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. Please keep me informed about the progress of this complaint, and I appreciate your attention.
Product: Mortgage

Freedom Mortgage hasnt been able to finish my mortgage refinance since XX/XX/XXXX.
Product: Credit reporting

On XXXX/XXXX/2016, I sent Experian a dispute regarding XXXX account # XXXX, along with documentation showing a judgment in my favor on that account ( See Experian Dispute XXXX, XXXX ). Experian listed the account as " Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you. '' and failed to delete the inaccurate account. ( See Experian Response XXXX ). 

I sent a second dispute on XXXX/XXXX/2016 ( See Experian Dispute XXXX ). In its XXXX/XXXX/2016 response, Experian refused to reinvestigate the dispute, stating that " the credit grantor has verified its accuracy '' and that " we will not reinvestigate the same dispute again at this time. '' ( See Experian Response XXXX ). 

Experian failed to provide any details or documentation of its communication with XXXX or of any independent investigation. Additionally, Experian failed to explain why it is relying on the creditor 's " verification '' over a court order of judgment in my favor. I would note that XXXX responded to the same dispute by immediately and properly removing the account from my credit file.
Product: Credit reporting or other personal consumer reports

My XXXX and XXXX XXXX Reports both say I have over {$40000.00} in student debt because they are duplicated. 
Nel-Net Had my student loans until XXXX took them over. 

Nel-Net is still reporting it on my credit reports as a debt. I called Nel Net and they told me the credit reporting companies are wrong. When I dispute the debts are still doubled. 

My total debt is higher on the credit reports than it should of been and I been denied many loans and mortgages. From this duplication is showing my Debt to Income ratio.

If you look at the report there is 4 student loan debts, there should be only 2. Dept of Ed/Nel-Net is not collecting. 
XXXX is and it is a double debt.
Product: Checking or savings account

Went through XXXX, funds transfer company, to purchase a few clothing items i found for sale online. When I did not receive the items in question, I filed a claim with Wells Fargo. They ended up giving me my funds back, however they now took all the money back due to the fact that they said they're only responsibility is to make sure the funds got transferred. They do not want to say that fraud happened and take the loss I assume. But it is unfair because I am now stuck with XXXX as my account balance, and they will not re-open my claim so as to allow XXXX, which whom I spoke to a rep from, to go over the claim again and figure out what happened. I tried to have them review my claim, but they are stating they do not have to cover me. I trusted them to make sure my funds are secure, they are not doing that. I have all the evidence necessary to prove I never received goods, security cam footage from the following weeks as well as my address being registered with USPS informed delivery, so I can track and see any package coming to my address from any courier. Wells Fargo still wont open my claim again and try to help me get my money back. 

I can give you guys my XXXX log in if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found unverified items on my credit report and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the XXXXivil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

1. XXXX, XXXX XXXX XXXX  2. XXXX  XXXX XXXX 3. XXXX XXXX  XXXX XXXX 4. XXXX XXXX  5. XXXX XXXX XXXX 6. XXXX  XXXX XXXX  XXXX  I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section1031 of the Dodd-Frank Act ) Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX once again reported to credit bureau about my account even though they have sold my account to a collection again This an attempt to destroy me by a XXXX manger in XXXX North Carolina because we got in to an argument. We had made arrangements about the payments on the vehicle. The next day he repossessed the vehicle. Then he promised me that I wouldnt have to worry about it being on my report. He said if it did appear he would remove it. I said wait a minute you telling me if this appears on my credit report you will remove it.I asked him that because I dont trust no one I mean no one not even my mother. He said yes thats a easy fix. Well that easy fix has cause me nightmares. It has cause me nearly one hundred points since XXXX. I will be contacted my uncle who is XXXX XXXX XXXX  to let him know that how I am being treated and what this credit bureau is doing to me. No wonder theyre talking about abolishing the three credit unions. Because if they let whats happening to be everybody in this world that is a shame. Well not everybody just XXXX and XXXX. I also will contacted the U.S.Congress OF These United States of America to let them know about the injustice people of color are experiencing with these three Credit Bureau. It is a shame I fought for my country. Im a 100 % XXXX Veteran and I have to experience this type of horrible treatment from the credit bureau. This is the year 2021.
Product: Mortgage

Freedom Mortgage has decided I can not have access to my loan online to protect information about the people I assumed the loan from but they're comfortable with reporting the sellers new address as my current to the credit agencies, so I do have that information, and now I have to undo the mess that Freedom Mortgage created. This is my second complaint filed against this company and I suspect there will be many more with the way they conduct business.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I pulled my credit report today and after an analysis, I've found some information that needs to be disputed. I'm not sure how to do this other than to send a letter to you and ask for it to be investigated or for you to look into all of this, because I don't understand why it's reported inaccurately to begin with. Aren't you supposed to ensure its accuracy prior to the information being reported on the actual report? I thought that when a creditor sends their accounts to be reported, you're supposed to check their documentation. At least, this was what I read. 

Please also send me a new credit report reflecting the changes that you've made so that I can make my own determination and compare it to the original. I'd also like to see any paperwork that was furnished by any creditor or agent of any company performing the investigation. 

XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report XXXX  XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report