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

Subject : Dispute Regarding Fair Credit Reporting Act ( FCRA ) Compliance and Metro 2 Compliance for Account Verification by XXXX XXXX XXXX. I am submitting a complaint regarding XXXX XXXX XXXX handling of my credit report. I believe they are not complying with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards regarding accurate credit reporting. XXXX XXXX XXXX have reported an account to the credit bureaus, Equifax and XXXX. I am disputing this account accuracy and validity. Despite my request for verification, I am concerned that they have not followed appropriate Metro 2 reporting standards. Specifically, I am requesting a review to ensure : 1. Proper credit reporting codes, as outlined by Metro 2 compliance, have been used in verifying and reporting this account. 2. That all data fields, such as the account status, date of delinquency, payment history, and balance information, meet the standards for accuracy, fairness, and completeness as per FCRA and Metro 2 guidelines. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate National Credit Adjusters compliance with these standards and take appropriate action to ensure fair credit reporting. 1. Verification that all Metro 2 compliant codes were used correctly in reporting this account. 2. Full review of the account for FCRA compliance, with any inaccurate or unverifiable information removed from my credit report. Thank you for your assistance in resolving this matter. XXXX XXXX Social security number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX ; XXXX XXXX XXXX   XXXX  ( Original Creditor : XXXX XXXXT ) XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX ;
Product: Debt collection

XXXX took over my car loan. the repedetly call me its 3-4 times a day all with in three hours. i called them asked them to stop calling they said they will call over and over tell they get me. i have never even been late on a payment and they harrass me
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one late payment. 

I have tried multiple times through the last 4 years to contact Capital One Bank via the telephone and in writing to explain my only late payment with them back in XX/XX/XXXX. 

I purchased and moved in to my new home from a contingency buy in XX/XX/XXXX. During that time, I misplaced my bills during the move and at the time did not have auto pay so I missed my payment in XX/XX/XXXX. 

I explained all of this to them and have since set up auto pay in addition to opening a new credit card with them in XX/XX/XXXX, which also has auto pay set up. Yet Capital One still will not delete this only late payment on my credit report. 

I am asking that you can assist me in having this removed because I was still in the process of getting my XXXX kids situated in schools and I started a new second job that XX/XX/XXXX. Any assistance will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow resonance procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : Account : XXXX XXXX XXXX  XXXX Number : XXXX Amount : {$7100.00} In addition, DELETE all non-account holding inquiries over 30 days old. 

Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have struggled during this pandemic, however still made very attempt to make my monthly payments and even paid off my account on XX/XX/XXXX. As we are in a pandemic at this time, lowes has found a way to attempt to bring my credit score down by decreasing my credit from {$2000.00} to {$100.00} and even stated I owed money on my account when I actually paid the entire balance off to put me in a delinquent state. This creditor has no respect for a customer and I have not even received any information via mail, email or text for that matter regarding this situation. I called lowes on XX/XX/XXXX at XXXX ; XXXX because I received an email stating I had a payment due on XX/XX/XXXX and the is what prompted me to go online and see if there was a mistake regarding me owing a payment, but it wasn't and that is when I saw they had decreased my credit limit 90 %, which in my opinion I guess they should have just cancelled my account. I am currently unemployed but any money that I receive wether it is from the state or family and friends it pay toward my bills, and lowes has the nerve to be monitoring someones credit and decreasing my credit limit 90 %?? I think this company is not there to assist people but to put them in debt. I guess I should have just stayed in debt, because at least I would have on my credit report where the creditor drastically decreased my credit line, and during a pandemic at that? Who can help us and protect us from creditors who just want to penalize you for needing assistance?
Product: Mortgage

I am having problems with Wells Fargo who I've paid off the Home Equity Line of Credit, and they will not provide documentation for my lien release. I call every day, and each person does not help and are all very rude.
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX XXXX is correctly listed as closed on my Equifax credit report but is inaccurately reported as open with another credit bureau. This inconsistency creates confusion and misrepresents my credit history. I am requesting that Equifax delete the account to prevent further discrepancies.
Product: Debt collection

The Debt collector is reporting on my credit report as if I have an open account with them. This account was closed and then sold which is illegal to close something and sell it but beyond that I have disputed this with XXXX and they are saying that I need to have a formal complaint here so that they can take it off my credit report. They do agree that this debt was closed long time ago and somehow it is showing as opened and resurfaced as something that is new and Reporting monthly that Im not paying on something that isnt owed anymore. This is malicious and intentionally harming my credit as an attempt to receive payments off of something that has already been closed and settled with the original Debtor.
Product: Mortgage

Basically, Im dealing with a loan service company named Loancare on my current mortgage and they lack any type of support. I can not seem to login to or view my account, which I need to do because I believe they double billed me after sending a paper statement past the due date. That leads me to question their processes as I dont want it to affect my perfect credit score if they show I was late on a payment because of their internal issues. There is absolutely no phone support or email support either. Ive tried to get ahold of them many times to no avail. I believe its illegal not to provide my loan details to me easily and accurately and they seem to not been able to provide me basic banking information. There are many, many complaints about this very same thing online about them as well. I dont even know if they show me current or when my next payment is due at this point. Its not right and I feel they should be dealt with. I dont know what further steps I can take. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Trans Union placed a collection account in the amount of {$920.00} on my credit report, from a company, XXXX XXXX XXXX. There was no letter of notificaiton of the debt. Additionally, the " investigation '' did not provide the original document/promissary note, nor my signature that I agreed to pay this debt. No validation was suppled when disputed. I have never lived in, nor did business with any organization in Florida, nor with XXXX XXXX in XXXX. Trans Union states the debt is valid, but, no proof of the debt has been provided. 

I have written to the company for request for validation and it was ignored. 
TransUnion - Dispute po box XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I disputed the NATIONAL CREDIT ADJU XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX and XXXX XXXX XXXX, I received the certified mail stating they received my information and when I call they state they have not received it. I have requested validation of debt and have been denied these papers with anything showing that I signed for any loans with this company. I have attracted the letters I send to XXXX, XXXX AND XXXX and NATIONAL CREDIT ADJU
Product: Checking or savings account

Wachovia became Wells Fargo.
Wachovia r  emoved $ from timed deposits to create  2  checking accounts without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX/XXXX to dispute inaccurate information on my credit reports. On the year of 2016 they have a total of 36 late payments reporting on my all my accounts that I have with them. I do not call recall having late payments with Nelnet. I have always made sure that I update all my information to make sure that I never have to experience what I am going through now. As of today I am in a deferment status and in XX/XX/XXXX I will be starting the income based repayment plan. I am in the process of repairing my credit and the late payments are causing me a hard time purchasing a house for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXXXXXX XXXX XXXX this Address Date of inquiry XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX : XXXX Dispute not available XXXXXXXX XXXX XXXX  icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX years XXXX  days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX year XXXX  months XXXX days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX  months XXXX days XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed XXXX months XXXX days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  months XXXX days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX months XXXX  days XXXX XXXX XXXX XXXX XXXX  XXXX Dispute not available XXXX XXXX mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX month XXXX XXXX XXXX # XXXX : XXXX Dispute not available XXXX XXXX  mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX day XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX XXXX mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days XXXX XXXX XXXX XXXX  XXXX Dispute not available XXXX XXXX mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days XXXX FCRA violations : payments never late XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX months XXXX days XXXX
Product: Checking or savings account

WE DEPOSITED CASH AND THE THERE WAS AN ATM MALFUNCTION. THE ATM ASKED US TO INPUT AN AMOUNT, BUT AT THE TIME WE WERE UNSURE AND DID NOT ENTER ANYTHING. THE COMPUTER SAID IT WOULD ADD A PLACE HOLDER TO OUR MONEY AND WE WOULD HAVE OUR MONEY IN OUR ACCOUNT THE NEXT MORNING. I CALLED THAT NIGHT TO REPORT THE CONCERN AND BY THEN WE KNEW EXACTLY HOW MUCH MONEY WE DEPOSITED IN OUR ACCOUNT. IT WAS A TOTAL OF {$710.00}. THE PERSON ON THE PHONE SAID THEY WOULD BE DEPOSITING THE MONEY IN THE ACCOUNT WITHIN A FEW DAYS AND IF THEY WOULD LATER FIND OUT THERE WAS A MISTAKE THE MONEY WOULD BE WITHDRAWN. I HAVE BEEN CALLING EVERY DAY FOR THE PAST 4 DAYS AND CAN NOT GET AN ANSWER. THEY HAVE BEEN RUDE TO US AND GIVEN US THE RUN AROUND. I FEEL WE ARE BEING DISCRIMINATED AGAINST BECAUSE OF OUR LAST NAME. I FEEL THEY THINK WE ARE LYING AND THAT IS WHY THEY ARE NOT PUTTING THE MONEY BACK. WE HAVE BEEN BANKING THERE SINCE 2006. WHY WOULD THEY DO THAT OTHERWISE. ITS SIMPLE, WHY WOULD A XXXX BE TELLING THE TRUTH. IF MY LAST NAME HAD A WHITE NAME THEY WOULD HAVE PUT THE MONEY BACK. IT SHOULD BE EASY FOR THEM. THEY MONEY WAS DEPOSITED IN THEIR ATM. IT MALFUNCTIONED AND NOW THEY DONT WANT TO GIVE US OUR MONEY BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown accounts on my credit report. I also informed in my letter that I was impacted by the Equifax Data Breach ; and may have got into the wrong hands. I have not received a response yet. The Law states that a failure to investigate these items within 30 days items must be removed immediately. It has been well over 45 days and I demand that these inaccurate items be removed/deleted immediately, or I will file litigation.
Product: Debt collection

The agency continue to report I owe XXXX for cosigning on a loan. I never cosigned for anyone and the agency continues to file false information. I have not signed anything to cosign for anyone.
Product: Debt collection

On XX/XX/year> I was contacted by text ( XXXX ) claiming they bought my debt from XXXX XXXX XXXX. They saId the name of the business was ZIons Debt Holdings but they never identified as a debt collector. 

I immediately disputed the debt and sent proof to the email I was provided, XXXX I did not get a response from XXXX. 

On XXXX XXXX, 2024 I was alerted by XXXX that a negative entry was placed in my credit report. Upon investigation I learned it was from Zions Debt Holdings. 

I immediately contacted XXXX, Zions Debt Holdings and XXXX XXXX disputing the debt. 

On XXXX XXXX, XXXX XXXX  responded acknowledging the error and told me they would remove their entry from the credit file and that they notified Zions Debt Holdings of their error. I immediately notified ZIons debt Holdings. 

Despite having proof the debt is not valid. Zions are currently refusing to clear my name in the credit report.
Product: Debt collection

Phoenix financial services LLC has sent me a past due bill from a date of service 6 yrs ago. The bill is from a doctor half way across the country that I have never seen. The collection agency is asking me to send {$900.00} on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX Never heard of either business/ practice
Product: Debt collection

XXXX REQUEST : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.
Product: Credit reporting or other personal consumer reports

This account is inaccurate and not reflecting accurate through XXXX credit reports XXXX XXXX ACCOUNT NUMBER XXXXXXXX
Product: Debt collection

I was contacted by mail in  XXXX     2017  about a debt from  AFNI, INC. I called AFNI, INC. and they confirmed it is associated with a different person with a different SSN.      I asked that they remove my information from their records and that they not report this to the credit agency. I asked because this is the third debt collection agency that has tried to collect this debt, confirmed it was not mine, and then still reported it to a credit agency.     After explaining this, they assured me the debt would not be reported since it is not mine. On   XX/XX/XXXX  , the debt was reported to  XXXX  as an unpaid debt. I am now going through the process of disputing this debt ( for the third time ).     Attached is the original letter received fr om AFNI, INC.
Product: Checking or savings account

I was sent an email from Chime saying my new checking card is on its way. Ive never signed up and the address they sent the card was an old address i havent lived in for over 2 years. I do have an identity protection and not sure how Chime by pass the verification of my XXXX alert and pause of my social. Chime support is extremely unhelpful and require hoops after hoop to even get to the correct person.
Product: Credit reporting or other personal consumer reports

Got this email from experian wanting all my information again and i flatly refuse because I have sent them the information 3 times and EXPERIAN CHARGED MY DEBIT CARD 2 TIMES FOR 1 MONTH, the Department of Justice has all my information
Product: Mortgage

I had my mortgage sold to Loancare and have been with them for a few months now. I submitted for and was granted a Forbearance Plan dated XX/XX/2020. I was granted a 90 day forbearance for the payments for XXXX, XXXX, and XXXX. Since the beginning of XXXX the company has been calling me nearly every day and now I have received a packet dated XX/XX/2020 referring to a missed payment and trying to give information on how to avoid a foreclosure. If I'm not mistaken, Federal law stated that they have to offer a forbearance or other assistance and that they can not foreclose on any property during the COVID-19 emergency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report that was recently obtained by your agency without my consent. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to your agency. 
Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
I request that you investigate this matter further and provide me with documentation proving that I gave consent for the credit report to be conducted. If you are unable to provide such documentation, I ask that you remove the erroneous information from my credit report immediately. 
I am also requesting a copy of my credit report from your agency in order to review any other inaccuracies that may have been included without my authorization. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Accounts : XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a victim of identity theft and a fraudulent credit card was opened in my name to obtain credit!!!! The account is not mine and needs to be cleared out and removed from my credit report and synchrony system
Product: Mortgage

In 2011, took out a mortgage that later ended up being serviced by Fay Servicing. I read the report that CFPB fined them up to XXXX XXXXXXXX for multiple failures to protect consumers such as was the case with me, used illegal practices among other violations. The report says Fay has to pay back that money to those consumers harmed by those practices. How can I be assured that Fay will reimburse me? All of the details of my case can be found by contacting XXXX XXXX XXXX. Fay never offered or informed us about mortgage relief when this first happened. Now, for the past two years, I have been trying to get a loan modification with Fay and they keep asking for documents, then they let them expire and then ask for them again and again .... all while they have a pending case pushing for foreclosure. My lawyer says they ca n't pursue sale while we are in the modification stage yet they continue to do so. Thank you so very much. I look forward to hearing back from you. And look forward to the hope of getting reimbursed for damages.
Product: Credit reporting or other personal consumer reports

Hi, I have asked XXXX to remove other addresses that are not mine. 

My name is XXXX XXXX, and my address is : XXXX XXXX XXXX XXXX XXXX, PA XXXX Which is all I want to appear on my credit report. XXXX has multiple names, different spellings, addresses, and jobs that I have sent multiple letters over the past 3 years to remove, and they have refused to do that. I am reaching out for your help to remove this inaccurate reporting from my account. 

Thanks! 

XXXX