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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm not related with these loan XXXX, nor did I start the examination. Merciful promptly have them eliminated from my credit report.
Product: Debt collection

On XX/XX/2021, I received a letter from Americollect. I had previously asked them to validate a debt they were collecting on. The letter stated that they have received, verified, & validated with the credit bureau ( s ) and responded to me. They said my dispute has been deemed frivolous or irrelevant and there will not be an additional investigation on the matter. I have not received any other correspondence from Americollect prior to this one.
Product: Mortgage

I am in the process of obtaining a Home Equity Loan to make some repairs and upgrades to my home and eliminate nearly all of my unsecured debt. When a credit report was pulled it showed Rocket Mortgage was reporting three 30+ day lates. I disputed this and Rocket that the listing of 3 30+ day lates was correct. I have since downloaded their loan history from their website and a review of the payments shows that, in fact, there was only a single 30 day late. When I disputed the error via the CRA the response I received was that Rocket falsely stated the information was correct. The loan history I downloaded shows that there was a single payment received 30 or more days AFTER the due date. I am including the last 12 months from the loan history I downloaded from Rocket Mortgage and it shows there was a single 30 day late in XXXX of XXXX. They are reporting XXXX day late payments in both XXXX and XX/XX/2023. The loan history shows that for XXXX and XXXX two payments were received in each of those months and the second payment was received on or before the end of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Credit Collection Services {$850.00} I am writing to formally request validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. The account in question appears on my credit report and is being reported as delinquent. However, I do not recall any outstanding balances owed to you and would like verification of its accuracy and legitimacy. As required by the FDCPA, please provide the following : XXXX. Documentation verifying that the alleged debt is valid and that I am responsible for it. XXXX. The original contract or agreement bearing my signature that indicates I agreed to the terms of the debt. XXXX. A detailed breakdown of the amount claimed, including any fees, interest, or other charges. XXXX. Proof that your company is authorized to collect this debt on behalf of the original creditor. XXXX. Documentation showing that the debt complies with state and federal laws, including the statute of limitations. Until I receive the requested verification, I respectfully request that no negative information related to this account be reported to the credit bureaus. If this debt has already been reported, please contact the credit reporting agencies to have the account marked as in dispute. If you are unable to provide sufficient evidence to validate the alleged debt, I ask that it be removed from my credit report entirely in compliance with the Fair Credit Reporting Act ( FCRA ). Please note that this letter serves as my good faith effort to resolve the matter. I am prepared to take further action if my rights under the FDCPA and FCRA are not respected. Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 30 days. Please respond in writing to the address provided above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tn XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have several inaccurate and inconsistencies on my credit report. XXXX, Experian, and XXXX have been contacted via phone and mail about any and all errors on my reports but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my XXXXXXXX XXXX report provided by XXXX and my credit report from XXXX, A dispute response from XXXX. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

Experian Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX but there are 2 extra addresses on my report. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
My account Balance are inaccurate and inconsistent. XXXX and XXXX are the same, but Experian is different. 
My payment history is missing payments on all my accounts. 
My report has 2 XXXX XXXX accounts that don't belong to me. One for XXXX and XXXX. 

XXXX Report : My payment history is missing payments on all my accounts. 
My report has an inquiry from XXXX that I didn't authorize. 

XXXX Report : My payment history is missing payments on all my reporting accounts. 
My report has an inquiry from XXXX XXXX  XXXX thatvI didn't authorize. 
My report has XXXX XXXX cards that don't belong to me. XXXX for XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax numberous times for this issues someone stole my information and identity and tried to open up numerous accounts in my name this will be the second time that I have been through this process for fraudulent items Someone has been trying to fraudulently open up accounts in my names that I didnt have any knowledge of and dont consent to here are the names of the companies and the inquiries date please do whats right and remove these items Equifax : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX auto XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXy XXXX XX/XX/XXXX The auto finders in XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXk XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I opened a Chase Freedom credit card with Chase Bank in XXXX of XXXX with my wife as the primary cardholder and me as an authorized user. The reason for doing this was because I was a new immigrant and as such I was unable to open my own credit. This was the only way for me to start building my credit at the time, and we chose Chase because they told us they report authorized users. Now almost a year later we are in the home buying process and I found out from my mortgage lender that the Chase account is not reported, and as a result I have almost no credit history which has made it harder to get approved and I will have a more costly loan. 

This issue has already been escalated to management at both credit bureaus affected, as well as Chase Bank, and the bureaus confirm that they did not initiate any action against the account. They explained that they would have their own record of doing so if they had, and they do not, which means that Chase must have deleted the account through their own system. Chase refuses to acknowledge this, though. Chase claims that it was the bureaus that asked them to remove the account. However, when pressed for information, Chase was unable to produce any actual documentation of this happening. According to the bureaus, if it were true that they had made this request to Chase, then Chase would have in their possession an actual document from the bureau. Chase has admitted that they have no such document, and in fact they haven't even been able to tell us which bureau supposedly sent it. 

In addition to this credit reporting issue, Chase has caused several issues with our account from the day it was open, making changes to our account without authorization, shutting off our access without warning many times, and using different misspellings of our names. 

One clue I have as to the cause of the error is that Chase has described the removal of my account as " removing my name from the account ''. One of our issues with Chase was that they entered incorrect spellings of my last name on the account multiple times, and I have asked them to correct this. It is possible that this was incorrectly noted by an employee as a request to " remove my name from the account ''. However, I was always clear in my communication that this was only an incorrect name spelling. Neither I or my wife ever requested to remove anyone from the account. 

So, with a history of Chase mishandling our accounts, both of 2 credit bureaus confirming that they were not the ones to remove the account, and Chase not having the necessary documents to show, all the evidence points to the fact that the credit reporting issue is a Chase error. Still, after spending hours talking to Chase customer service and management in-branch and on the phone, they so far only deny the issue and refuse to take any accountability.
Product: Student loan

I submitted my corrected application for Repaye income based repayment to FedLoan Servicing on XX/XX/XXXX. In XXXX I paid my bill. In XXXX they said to wait for the IBR application to process and they were going to switch me to forbearance for a month but had to pay {$5.00}. On XX/XX/XXXX they cashed my check for {$5.00}. In XXXX, I called and they said they forgot to apply the {$5.00} to the account so keep waiting for the XXXX bill which will be the Repaye amount. Today, XX/XX/XXXX, I call and they said that my account is past due and that my application is expired because its over 90 days old. They offered to put me on forbearance for 12 months and told me I have to reapply for IBR because they cant process my application. Its now too old. Today is the first time I heard that the application is not being processed due to it being too old. 

Also none of the representatives that I spoke to in XXXX or XXXX told me that the application was too old and that I needed to reapply. They kept telling me to wait until the Repaye bill was sent in XXXX and to not pay the standard repayment plan. That the {$5.00} forbearance payment was supposed to cover that until the Repaye kicked in.
Product: Debt collection

I have been receiving frequent calls on my job from Capital One and I have ask them politely not to call my job because I can get in trouble but they continue to repeatedly harass me. They have my personal number they can leave message on my phone but do not call my job it interferes with my work.
Product: Credit card or prepaid card

I received what I believe is a misleading advertisement in reference to my credit card via email on XX/XX/XXXX from Chase Bank. I contact my local banker, and she said she was forwarding my concern to the credit card division and that I would hear back by XX/XX/XXXX. I did not. 
The advertisement claimed that I could pay a fee on a purchase but no interest payments. That is incorrect ; fees and interest are all part of the loan ( in this case, credit card purchase ) process. One implies the other, given the loan/card purchase amount. I have included a document as an ATTACHMENT that demonstrates my claim that there " fees '' are the equivalent to an interest rate. The claim that no interest payments need to be made is simply false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit company is not updating my XXXX XXXX account correctly. Sent documents to verify the account is closed in settlement XXXX XX/XX/2023. XXXX is the only company with proper updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect information XXXX times with EQUIFAX. No other company ( XXXX, or XXXX ) have had any of these issues! I am trying to purchase a home with my husband for the first time and The Mortgage finance company is unable to pull my Equifax credit score. That is keeping me form getting a house for 2 months now. This market is crazy I don't need any other issues. Please contact the company and ask what they can do to help fix this? I have talked to countless representatives and supervisors. 
Thank you for your time. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I'm writing this complaint because I have had several issues with the Transunion. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act the XXXX XXXX # XXXX has violated my rights. 

15 usc 1681 section 602 states i have right to privacy.

15 usc1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account underan open end consumer credit plan as late for any purpose
Product: Debt collection

This complaint is a follow up to complaint XXXX and XXXX. I received XXXX telephone messages from a XXXX XXXX in " Judicial Services '' to contact her regarding File XXXX, and she stated that although I had previously contacted XXXX XXXX XXXX, the matter was not resolved. She stated that they had contacted and verified my place of employment, and the Sheriff would either come to my place of employment or home. I tried returning her call at the number she left in my voicemail ( XXXX XXXX XXXX ), and the woman answered XXXX XXXX XXXX. I asked to speak with XXXX, and she stated that she had no one in her directory by that name. I asked her to check because XXXX just left a message with this number, but the woman said she had no one by that name. I asked if this was XXXX XXXX XXXX, a law firm, and she said yes. I asked for the street address so that I could send written communication, and she did not give this information. She then hung up. I called back and another woman answered and said yes, this is XXXX XXXX XXXX, the Corporate Office in XXXX, but XXXX is in Judicial Services. I asked for the street address, and she refused to give the information but insisted that they were an actual law firm. I advised her that I had filed complaints with the FTC and also checked with AMEX to see if I had an account, and AMEX advised ( as previously provided ) that the account matching the last 4 digits of my social security number in the zip code XXXX actually belongs to another individual. I asked for the name of an attorney who works with their law firm, and she stated XXXX XXXX. I asked if it is XXXX XXXX, XXXX, and she said yes, XXXX XXXX in XXXX. I found the name of an attorney XXXX XXXX, XXXX, in XXXX, GA with telephone number XXXX XXXX XXXX and fax XXXX XXXX XXXX. XXXX XXXX XXXX said they could not give me the address of their law firm but that it would be on the papers the Sheriff serves.
Product: Money transfer, virtual currency, or money service

I did not receive my deposit for on time as XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of : XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX  opened on XX/XX/XXXX, and XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.