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

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

Portfolio Recovery is trying to collect on a debt for Capital One and I have NEVER had a Capital One account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing.
Product: Mortgage

I have contacted Dovenmuehle Mortgage on several occasions. I am currently in a modification plan and during this process they are still reporting a past due balance and Late payment status of 120 days. In the comment section it says the account information meets the FCRA. Also, we were going through the pandemic so they did not utilize the Cares act. Also according to 15 USC 1681 2 A ( i ) - the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They are reporting transactional experiences.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and experience are reporting incorrect, erroneous, and misleading information on my credit report. They are each in clear violation of the fcra. I move for complete deletion of late payments and any account missing information which merits incorrect and unverifiable information.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) 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 has 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 disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I submitted dispute a week or XXXX ago on XXXX for XXXX XX/XX/year> charge and never heard back from the suncoast credit union and I never received the XXXX  that was supposed to be delivered to my house and have confirmed with the neighbors who have not gotten it either.
Product: Checking or savings account

XX/XX/year> purchased items from merchant XXXX  for {$61.00} XX/XX/year> reached out to merchant XXXX  for an update on items, phone disconnected and there was no response to email XX/XX/year> reach out to Chime Bank ( XXXX ) to dispute due to paying for goods and did not receive from merchant and no way to contact them XXXX- Chime Bank denies claim but will not tell me if they contacted the merchant XX/XX/year> - re-filed dispute with Chime uploaded more proof XXXX requested update on claim with Chime, no info to give ..still being investigated XXXX- Chime denies {$61.00} dispute claim againChime is not reaching out to the merchant because they would see they cant contact them because the phone number and email address for the merchant is bogus. They will not confirm that they talk to the merchant. 

I would like my money back because i have been scammed
Product: Credit card

I have being with financial hardship. 
I have been in a Debt consolidation program for almost a year. 
I just want the interest rate to drop or drop to zero. 
They close the account and after I spoke with them, they did not help to lower the interest rare or drop to zero.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one well not respond to my mail, calls or disputes I sent a 609 credit letter and capital one still has failed to respond or give me anything
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report in EXPERIAN. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that have been fraudulently reported under my credit profile. This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), as my personal information and identity were compromised, resulting in the unauthorized opening and reporting of the following accounts : XXXX XXXX XXXXXXXX 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 XXXXXXXX These accounts were XXXXpened or reported without my knowledge or consent. This constitutes a violation of my rights under the FCRA, particularly : 15 U.S.C. 1681 Section 602 ( a ) Protecting my right to privacy and safeguarding against inaccurate reporting of accounts not belonging to me. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Prohibiting consumer reporting agencies from furnishing accounts without my explicit written consent. I have attached supporting documentation to substantiate my dispute, including : A personal statement detailing the circumstances surrounding the compromise of my identity. Records pertinent to my case. I respectfully request that the CFPB initiate a thorough investigation into these accounts, verify their validity, and ensure their removal from my credit profile. Thank you for your prompt attention to this matter. Should you require any additional information, please do not hesitate to contact me.
Product: Credit card or prepaid card

On XXXX, XXXX I booked with my AMEX a hotel in Florida with the merchant called XXXX XXXX XXXX ( XXXX XXXX XXXX  ) through the XXXX Website for XXXX XXXX break, the total amount was {$1900.00} charged on XXXX. I cancelled the reservation on XX/XX/XXXX and on XX/XX/XXXX I received the email from the merchant with the cancellation and the attempt to refund my money back, but that never happen. After several attempts with the merchant without answer I decided dispute the charge with AMEX. The disputed was opened with the evidences of the cancellation but AMEX closed 3 times after a month each time, without checking the documentation provided by me and using, as a justification, the feedback from the merchant saying that I never cancelled the reservation, that obviously it is totally False, or that they issue a voucher that I never received and I'll never accept. 
Today I asked for the 4th time to dispute again and I provided, again the emails from the merchant with the details about the cancellation done during the free cancellation period.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX us dept of edXXXXXXXX  # XXXX us dept of ed/XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, XXXX My name is XXXX XXXX the above is my account number for XXXX XXXX through XXXX XXXX  I have paid this account every month since Ive had it my about 5 months. My original credit limit was {$8000.00}, I used XXXX. The month of XXXX I made a payment in the beginning of the month I usually make two payments a month. I had a problem with my bank when the extra second payment was taken out, It did not go through, however I had already made a payment at the beginning of the month. Your company took away my {$8000.00} credit limit, changed it to {$600.00} total limit and my balance is {$720.00}. Im extremely upset about this because it dropped my credit by 24 points in less than 10 days hurting my credit reporting. I am now over my limit and my ratio is 100 % plus. I did not miss a payment the second payment didnt go through. I was told by XXXX XXXX XXXX that I would have to have my credit reran again. I am in the middle of refining my house and I do not want my credit pulled nor do I want this to affect my credit and it will, simply because you now lowered my credit utilization ratio. All of this happened within a nine days. I am requesting that you change my credit limit back to the {$8000.00}. I have paid every single month even this month it was the second payment. Please respond to me either via email or XXXX. 
This matter is extremely urgent because I am in the middle of a refi please call me as soon as possible. 

Sincerely, XXXX XXXX Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information for this account is incomplete and INACCURATE across Experian and XXXX. 

Reported up to XXXX on Experian with a STATUS DATE XX/XX/XXXX with payment history ; STATUS : " Account transferred to another office '' XXXX XXXX # XXXX Reported the XXXX with STATUS DATE XX/XX/XXXX with NO payment history ; STATUS : " Charged off as bad debt '' XXXX XXXX # XXXX Please remove, per the Fair Credit Act 611
Product: Money transfer, virtual currency, or money service

Plastiq is a payment processor that charged my card the full payment of {$720.00} and a service charge of {$10.00} on XX/XX/2021, but failed to deliver the payment to the payee which was due on XX/XX/2021. 10 days after the due date, when I contacted Plastiq regarding this payment, I found out that Plastiq made an error in payment account number. I asked Plastiq to refund the payment back to me, but Plastiq refused to comply with my request and advised me to fix their error with the payee on my own. I believe Plastiq failed the fundamental purpose of a payment processing company which is to deliver timely payments to payees without errors.
Product: Consumer Loan

One of the reasons given for denial for a home equity line of credit was a bankruptcy from 2004, which was due to a divorce. I have had perfect credit sense. I do n't understand how I can be denied credit when it 's too old to be on my credit report. On the application they ask if I had EVER filed for bankruptcy, not just in the last 7 or 10 years, so I divulged that I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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

I have been disputing this account for over a year. I have requested validation of this said debt & have gotten no where with this. I just recently filed a dispute XX/XX/XXXX & it came back XX/XX/XXXX verified again, without providing me with any documents to support to the validation. They also changed my status from charge off to 120 days from XX/XX/XXXX-XX/XX/XXXX. This is effecting me a lot & I don't see how this could be legal. This should be removed from my credit files immediately. The amount reporting is {$470.00} Company information : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I am a victim of identity theft, I am writing to dispute [ a ] fraudulent charge ( s ) on my account on Us Bank, XXXX XXXX XXXX XXXX and XXXX XXXX .I am a victim of identity theft, and I did not make charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Product: Credit reporting 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 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  has violated my rights . Or a list of inquiries : 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 card or prepaid card

Pursuant to 15 U.S.C. 1693f, I hereby demand that your financial services institution remit reproductions of any and all documents/materials used to substantiate the conclusion that a billing error did, or did not, occurr. [ Background ] My mother made an ACH payment authorization to have funds debited from her bank account to pay on my statement. The authorization took place on or around XXXX XX/XX/2022 and was returned with XXXX -- unable to locate. This is a distinct error code from XXXX -- NSF, XXXX -- closed account, or XXXX -- invalid account number. I filed a billing error notice within the sixty ( 60 ) day period. XXXX XXXX, in Discover Executive Office of XXXX XXXX, conducted an investigation. In a follow-up conversation he conceded that when comparing the supplied account information disclosed with the live agent, he was ony able to match the last four ( 4 ) digits of the account being debited. That is, whomever, and through whatever investigatory process he recieved the transaction information from, it/they provided him only with the last four ( 4 ) digits of the account number to match against the phone-based ACH authorization with a live agent that occurred on XXXX XX/XX/2022. And, although he was given the full routing number for the financial services institution, he was not provided with the first name and last name as keyed into the XXXX authorization by the live agent. This is troubling as the error could be on the part of Discover and its live agent. The investigator was not provided with that information. The steps in the billing error process are quite clear. 15 U.S.C. 1693f ( d ), " Absence of error ; finding ; explanation, '' states ''If the financial institution determines after its investigation pursuant to subsection ( a ) or ( c ) that an error did not occur, it shall deliver or mail to the consumer an explanation of its findings within 3 business days after the conclusion of its investigation, and upon request of the consumer promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. The financial institution shall include notice of the right to request reproductions with the explanation of its findings. '' XXXX XXXX resonded to CFPB complaint XXXX with a copy and paste summary -- there were no documents attached. XXXX XXXX XXXX, as agent for Discover, is knowfully and willfully violating 15 U.S.C. 1693f ( d ), or he has no docunentation to indicate a reasonable billing error invesigation was conducted. If you refuse my demands, I will pass this matter along to my attorney and file a complaint with DOJ : US Attorneys Office for my district.
Product: Credit reporting or other personal consumer reports

XXXX and Innovis continues to report incorrect information I have stated several times my name is XXXX XXXX remove any other name or names listed this is my final attempt to resolve this matter. My address is XXXX XXXX XXXX XXXX IL XXXX please remove any other address. You are a consumer agency by definition of law so you are required to provide evidence of the information you are reporting. Provide the evidence are just delete the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights U.S.C 1681 section 602 A. States I have the right to privacy 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
Product: Debt collection

LTD acquisitions LLC is reporting a collections account on my credit from XXXX XXXX XXXX XXXX I have never heard of XXXX XXXX XXXX XXXX and i have never been to Missouri.

I have attempted to call LTD acquisitions several times but they never answer.

I never signed any documents for this debt as i have never heard of it, the original creditor, or the collection agency. 

I have never received notice of this debt either.
Product: Payday loan, title loan, or personal loan

I have a an installment loan with HCS Loans, XXXX XXXX. XXXX XXXX, XXXX, NC XXXX for services from XXXX XXXX XXXX XXXX. I have a promotional loan of {$110.00} per month, for a total loan of {$3100.00}. The promotion expires on XX/XX/XXXX. 

I began making payment in XXXX, XXXX. My payments are made through my bank, XXXX XXXX, Georgia. As HCS will not provide electronic banking information for electronic ( ACH ) payments, I have my bank process a timely check for payment. I have requested this information from HCS, but they have advised me that they want MY bank account information for autopay, and I won't release that confidential information to them. 

For the XXXX, XXXX payment, I had confirmed that XXXX mailed a timely check. On XX/XX/XXXX and XXXX, a representative from HCS called me to inquire about my payment. I had advised them that my bank made a timely payment by check. The representatives, both on recorded lines, advised me that it could take 7 to 10 days to credit my account if payment is made by check. They noted my response to them in my account log. 

On Monday, XX/XX/XXXX, I had received 2 calls from HCS about my XXXX payment. I confirmed with my bank that the payment was sent on XX/XX/XXXX. HCS recorded my statement that day. On XX/XX/XXXX, HCS called me 4 times inquiring about the same payment. Upon my investigation, HCS received it on XX/XX/XXXX ( the due date ) and deposited the check into their account with XXXX XXXX XXXX. The check clearly has my account number, name, and address on it. In my final call that day to XXXX, I was advised to provide them with a copy of the cancelled check, both front and back, and fax it to them at XXXX. I faxed it immediately to them. 

On Saturday, XX/XX/XXXX, I received my XXXX statement from HCS, and it indicates non-payment for XXXX and a late fee of {$35.00} added to my account. 

I had advised HCS in an attached letter when I provided the copy of the check that I will no longer endure any further harassment from them and if they want an electronic payment, they must provide me with the XXXX XXXX XXXX account number and ABA/Transit number promptly. 

All of my account payments and debts are paid timely through my bank, and without incident, so this insane process must stop immediately.