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

To Whom It May Concern, I am writing to formally dispute TransUnions failure to conduct a reasonable reinvestigation of my previously submitted dispute, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). Despite my request for verification of inaccurate information on my credit report, your response was inadequate and did not comply with federal law. 

According to the FCRA, when a consumer disputes the accuracy of an item on their credit report, the credit reporting agency is required to conduct a reasonable reinvestigation. However, based on the outcome of my dispute, it is clear that TransUnion failed to meet this standard. Specifically : Lack of Proper Verification The disputed information was allegedly " verified, '' yet TransUnion did not provide any substantive documentation or explanation as to how this determination was made. 
Failure to Consider Supporting Evidence I submitted supporting documentation proving that the disputed item is inaccurate, but TransUnion disregarded this evidence without valid justification. 
Continued Reporting of Inaccurate Information Despite my dispute, the inaccurate information remains on my credit report, causing ongoing harm to my creditworthiness.

In light of these violations, I demand that TransUnion immediately : Conduct a proper and reasonable reinvestigation of the disputed item ( s ) in compliance with 15 U.S.C. 1681i ( a ).

Provide a detailed explanation of how the disputed information was verified, including the sources and methods used. 
Delete or correct the inaccurate information if it can not be fully substantiated. 
Provide me with an updated copy of my credit report reflecting any corrections. 
Failure to comply with these obligations constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. If this matter is not properly resolved, I will explore all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action.

Please respond in writing within the 30-day period required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an Capital One secured card account on XX/XX/2019 and the company has not reported the acvount as of XX/XX/2019. I contacted them but to no avail, they still won't report the card. 
I need the account reported to boost my credit score. The reason I applied for the card was because of the promise that they would report my payment history to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 state I have the right to privacy. In accordance with the fair credit Reporting act XXXX XXXX have violated my rights. 15 USC 1681 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 treate payment on a credit card account under an open end consumer credit plan as late for Purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. TRANS UNION XXXX XXXX Inquiry : XXXX. XXXX, 2019. For the first time no response came in 15 days companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

I contacted all XXXX credit reporting agencies XXXX, Equifax, XXXX, and XXXX ( the creditor ) multiple times int he last year, most recently the last 3 days - each day about account number ending in XXXX. 

I have filed XXXX disputes with each credit reporting agency as to the accuracy of the information. The response each time from XXXX has been that they are reporting it accurately and the credit agencies do not correct the information. 

I have spoken with XXXX 's customer service department and charge-off department. XXXX 's charge-off department has confirmed that the debt was charged off on XX/XX/XXXX. They have claimed several things, but the last of which was today, XX/XX/XXXX. They state that they are reporting to all three credit reporting agencies that it was charged of on XX/XX/XXXX, so they, the credit agencies themselves are reporting this wrong on my report. 

I have spoken with all XXXX credit agencies several times each and they told me that XXXX must be reporting it wrong and that is why it is not showing accurately as a charge off. 

The account status remains " In repossession '' rather than " Charged off '' today, almost 2 years after it was charged off. 

This error is preventing me from being approved for the housing my family needs and I am powerless to do anything because no one involved will take responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
VW CREDIT XXXX XXXX Opened Date XX/XX/2018 Balance {$9900.00} // Charge Off
Product: Mortgage

I XXXX XXXX, a XXXX woman who has recently gone through a financial hardship due to a medical issue hereby state on the record : 1. I was on XXXX XXXX right after my initial injury in XXXX of XXXX. 
2. I used the rest of my savings for a time-period to maintain my mortgage payments. I them filed for a Chapter XXXX bankruptcy petition where I simply could not keep up with the payments. 
3. I filed for a mortgage modification on XXXX XXXX, XXXX, after a lengthy conversation with a Wells Fargo representative. A copy of the initial filing is attached. 
4. After that date, Wells Fargo never responded back to me. 
5. Since that filing, I am now back to work full time, and I can pay my mortgage every month after a modification is approved. 
6. This past week I received a notice that my home was scheduled for foreclosure XXXX XXXX, XXXX. 
7. This is unfair as I was never served with a complaint of foreclosure, was protected of any filing as my Chapter XXXX was just dismissed, and I was protected under the US Bankruptcy code while the Chapter was active. This is a violation of my rights under the Fair Debt Collection Practices Act, as well as the US Bankruptcy Code. There was never a foreclosure complaint served to me personally. 
8. Now I must file an action in federal court to purge this action, and I am still in activity with Wells Fargo. 
9. I need this complaint to be filed with the Consumer Financial Protection Bureau, as I am a consumer in the United States, a citizen that is having her rights violated, and a member of the XXXX community that feels that her race is a factor that law firms can take advantage of, in addition to Wells Fargo. 
10. I am now healthy, and ready to start making payments on a modified mortgage. 
I request immediate action so that I can fulfill my obligations, and keep a roof over my head for my children and grandchildren. I am asking for no handout, just my rights under federal laws. 
XXXX XXXX THE FORECLOSURE SHOULD CEASE AND WELLS FARGO MUST LET ME COMPLETE MY MODIFICATION PROCESS!!!
Product: Credit reporting or other personal consumer reports

Capital One has charged off my account and subsequently sold the debt to a third-party debt collector for less than the full balance owed. According to credit reporting laws, once a debt is sold to a third-party collector, Capital One no longer has a right to report this account as an active collection under their name. However, they continue to report the charge-off on my credit report while also allowing a third-party collector to report the same debt, creating duplicate negative reporting. 

Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information must ensure the accuracy of the information they report. Since Capital One has sold the debt and no longer owns it, they are not permitted to continue reporting it as an active collection on my credit file. This inaccurate reporting is damaging my creditworthiness and violates my rights under federal law. 

I request the following actions : An immediate investigation into Capital Ones reporting practices regarding this account.

The removal of Capital Ones charge-off from my credit report since they no longer own the debt.

Assurance that no duplicate reporting exists between Capital One and the third-party debt collector.
Product: Debt collection

On XX/XX/year>, a request for validation was made to Portfolio Recovery for a collection account placed in my consumer file. A second request was made on XX/XX/year>, to Portfolio Recovery through a dispute claim from XXXX yet Portfolio Recovery failed to respond. Under the Fair Debt Collection Practices Act 15 USC 1692g { 809 } ( a ), a debt collector must provide verification of any debt if such consumer request it.

Portfolio Recovery has continued to ignore my request for validation which is a direct violation of my consumer rights under 15 USC 1692g { 809 } ( a ) ( Validation of Debt ) of the Fair Debt Collection Practices Act. Failure to validate a debt prohibits me the right to dispute any account/debt placed in my consumer file. I have filed an additional complaint with the Office of the Attorney General to further protect my consumer rights. I intend to take legal action against Portfolio Recovery for non-compliance which is my right under 15 USC 1692k { 813 } ( a ) of the Fair Debt Collection Practices Act
Product: Credit card

I had a previous complaint that was not properly taken by XXXX of your agents. So I am refiling the complaint that originally was filed by XXXX of your call center agents who did not didn't type in my FULL COMPLAINT. 

I was at a mattress store looking to purchase a bed, the representative working at the store verbally informed me that I could purchase furniture and the first 12 months would be interest free. I filled out the application and synchrony bank approved it. I was never informed that I had to pay the account off within the first 12 months or interest would be tacked on. I made my regularly scheduled payments on time every month. One day I noticed that my statement showed a balance of {$1400.00}, when my last balance was {$600.00}. I called synchrony bank and was told that I hadn't paid off the balance in the First 12 months in full, so the {$800.00} dollars added to the balance was interest. I told the agent that the representative never verbally stated that and that it wasn't on any of my contract documents. The agent stated that it was in my monthly statement in small writing. I told the agent. The charge was just added in the last cycle, so I told him that I could pay it off by the months end but he stated there was nothing he could do because it was already added to the account. I informed him that they were misleading and If they wouldn't accept the pay off in full by the months end, they would not receive another payment from me. He stated, unfortunately there's nothing he could do. My balance went from {$600.00} to {$1400.00} because I was not properly informed of their process which was misleading and I refuse to be taken advantage of. After our conversation I went and checked the reviews on their website and found hundreds of complaints very similar to mine. This is when I realized Synchrony bank has a misleading practice of scamming people by not being totally upfront and transparent with their customers and using the customers credit to hold them XXXX for payments. My apologies for this complaint not being fully explained in the original detail, but I told the agent who took the complaint but it seems she only wrote up a short version. Synchrony bank added on even more interest and nonpayments, causing the total balance to be over {$2000.00}. Than wrote it off and gave it to a collection agency which has no authority from me to access my credit file. Based on the misleading promotions and failure to have it written in the original agreement, I'm requesting this account be deleted from my credit profile along with the collections that's reporting behind it. Due to misleading and false advertising promotions. Thank you XXXX XXXX
Product: Mortgage

Guaranteed Rate currently is the servicer on my mortgage. I refinanced in XXXX. During the XXXX calendar year, I received the first XXXX statements, then proceeded to not receive a statement, then received a statement, then the following XXXX were not sent. These lapses in statement sending resulted in late charges which I agreed to pay. 

Later in XXXX, I changed the mailing address to my XXXX XXXX XXXX I believed this matter to be resolved. XX/XX/XXXX statement has not been received, but fortunately I'm paid up until XX/XX/XXXX at this point. 

My complaint is that I would like to report this lender for inability to notify a consumer with a monthly statement. I have a reminder in my bill pay to prevent late fees and have paid ahead, but my concern is that what could be happening if I am not a one off in this payment system. 

Please record my concern and if these actions are reported by multiple parties where the servicer is acting in bad faith to provide monthly statements in an attempt to charge late fees. 

I hope this is not the case, but felt the need to disclose as a mortgage servicer who's specific task is to provide adequate communication and collect payments should be adept at communication to the end customer. 

I've lived in my current location since XXXX and not experienced this problem with any other statement mailed to my home for monthly payments.
Product: Credit card

In XX/XX/XXXX, I invested in a website and lifetime hosting set up through this company : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. 
I was convinced to also invest {$7500.00} for leads in their special campaign in which their agents would contact the small businesses and assist them in obtaining authorization for credit card use. I would receive an agent percentage of the profit of each business transaction. 
With advice from a friend, I cancelled my contract within XXXX business days and called my Bank of America credit card, XXXX, to dispute XXXX charges, {$7500.00}, {$490.00}, and {$250.00} due to possible fraud. 
Bank of America aka XXXX Bank responded with a request for more information on XX/XX/XXXX. With the added information, they indicated that it would take some time to resolve the dispute. On XX/XX/XXXX, the customer advocate in the fraud department wrote that BofAm was " not able to process a fraud claim regarding the transactions on your credit card account. As a result, we will not be taking any further action regarding the transactions at this time, and you will be held responsible for the charges ... ... Our customers depend on us for the highest level of customer satisfaction, and we are committed to providing the superior service you deserve and expect. ''
Product: Credit card or prepaid card

Purchased a product on XX/XX/2021. The merchant website listed the product as in stock. It wasn't. It says if it's not in stock it takes 30-60 days to receive. It's now been 21 weeks and I haven't received the merchandise. I filed a dispute and Citi card said I am responsible which is absolutely ridiculous. The merchant has fraudulent advertising on their website and the credit card company is not protecting me as they should.
Product: Debt collection

I have recently pulled my credit report and noticed that there is a collection listing from your agency i have never been notified of this collection action or that i owed debt. This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is responsible to pay off this debt of remove this collection off of my credit report. If you fail to respond within 30 days you must delete. 

Please attach copied of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account to prove the amount you wish to collect it correct. 
Signature coming from the person who owe debt.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Debt collection

Hello. A few months ago I tried opening a new checking account at my bank but was denied due to an item for collections that I was unaware of and has been negatively impacting my credit score for the last 5 years. Apparently a company named XXXX XXXX is claiming I owe {$500.00} on an old account that hasn't been used since XXXX. However, I distinctly remember paying all of the bills in full for the TV/internet service that was provided to me. There was a situation about a year into the contract where the XXXX XXXX service we were paying for stopped working completely. I called the company multiple times to inform them that my XXXX XXXX was no longer working, and every time they told me somebody would be showing up to fix it- which never happened. I would like for this issue to be resolved and for this item for collections to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Bankruptcy XXXX  XXXX reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This has been going on since 2007 and is currently going on now. This has been going on for over 14 years. I owed a debt for a XXXX  XXXX XXXX XXXX that I VOLUNTARILY TURNED BACK INTO HONDA. HONDA FINANCE THEN turned it over to XXXX XXXX XXXX. These people have harrassed me on my mother 's phone which she passed away from XXXX XXXX. They have repeatedly sent letters. Recently, some lady called me and read me all of my information including my whole SS # and also told me she worked for law enforcement and that they are suing me in the county in which I live in GA. She was very RUDE, OBNOXIOUS, BELLIGERENT TO ME, CUSSING ME OUT, CALLING ME A LIAR, THREATENING ME AND THEN SHE STARTED YELLING AT ME AND HUNG UP IN MY FACE. I HAVE SINCE BLOCKED EVERY NUMBER I CAN THAT I KNOW IS HER WHEN I HEAR HER VOICE. I asked her several times to stop talking to me like she is crazy and she tells me that she is taking out a warrant on me as well.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in removing fraudulent items from my credit report. Despite XXXX previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. This letter marks my multiple attempt to resolve these issues, and I am in desperate need of your intervention. The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. Please help me conduct a thorough investigation into this matter and facilitate the immediate removal of the fraudulent items from my credit report. I request written confirmation once the corrections have been made. Kindly help me remove the following items immediately : XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$6900.00} ; XXXX CARD XXXX Balance : {$22000.00} ; XXXX CARD XXXX Balance : {$20000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

I made a purchase with my Amazon Store card, issued through Chase bank, on XX/XX/year> in the amount of {$3200.00} at Amazon.com. I have since returned the item to the Amazon seller. The seller acknowledged that the item was returned in new, unused-condition, but is refusing to refund the purchase price. I'm attempting to dispute the charge through Chase, because Amazon is sending me in circles with their support system.