23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I XXXX XXXX would like to dispute XXXX First delinquency. On my credit file I printed on XX/XX/XXXX the first delinquency was back in XX/XX/XXXX. XXXX keep reporting different delinquency dates to Experian. Seven Years from the first delinquency is when XXXX is suppose to be removed from my credit file and on XX/XX/XXXX it will be seven years from my first delinquency an I would like XXXX removed from my Experian credit report. XXXX is showing a delinquent date of XX/XX/XXXX. on my credit report XXXX is not showing the my payment history from XX/XX/XXXX to XX/XX/XXXX on my credit report where my first delinquent payment is missing on my credit report. XXXX is sending Experian conflicting delinquency dates to prolong this adverse to be on my Experian credit file and I would like XXXX to be removed from my credit report
Product: Debt collection

This letter serves as a formal dispute regarding the account referenced above. I believe the information you have reported to the credit reporting agencies is inaccurate or unverifiable, and I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and a validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specific Dispute Points Proof of Debt Ownership : I demand you provide concrete evidence that you have the legal right to collect this alleged debt. This includes : A copy of the original agreement or contract signed by me with the original creditor. 
A full accounting of how the balance of {$730.00} was calculated, including interest rates, fees, and any other charges. 
Documentation showing the chain of custody or assignment of this debt from the original creditor to your company. 
Accuracy of Reporting : The information you have provided to the credit bureaus, including the balance owed, the date of first delinquency, and the account status, appears inconsistent and possibly incorrect. I request verification and documentation to substantiate these details. 

Date of First Delinquency ( DOFD ) : The date of first delinquency is critical in determining the reporting period for this debt under the FCRA. Provide documentation confirming the precise DOFD from the original creditors records. Any failure to report this date accurately may lead to improper credit reporting practices. 

Original Creditor Information : Under the FDCPA, you must provide the name and contact information of the original creditor. Please include this information in your response. 

Legal Notice Be advised that failing to validate this debt or provide accurate information will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. Furthermore, any continued collection activity on an unverified debt violates the FDCPA, and I reserve the right to take legal action to enforce my rights under federal law. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

EOS CCA bought a collections debt from an unpaid XXXX account totaling {$2500.00}. As I am repairing my credit to prepare for a mortgage, I decide to call them to settle the account. I speak to a representative who was very rude, and asked to be transferred to his manager, with whom I came to a settlement agreement with totatling {$1200.00}. Per the manager, the settlement amount would stop all collection efforts and have the account settled in full, allowing a possible deletion of the debt. The stated that they have no way of removing the debt themselves, so I thought, it would be a win-win for the both of us. 

They received the payment by drafting from my account, which I did authorize in good faith that they would honor their promise and update my credit report. They did update it but simply applied the {$1200.00} to the original amount I owed, thus leaving the EOS CCA entry with a remaining balance which was supposed to be zeroed out.
Product: Credit reporting or other personal consumer reports

In XXXX  I deferred payments on my Bank of America mortgage per the federal CARES Act. At the end of the deferment, the loan was modified to place the missed payments at the end of my mortgage as a ballon payment. All terms of the modification were completed over 2 years ago. XXXX is reporting that my Bank of America mortgage is currently in a loan modification program. I disputed this with both XXXX and Bank of America. Bank of America is refusing to correct the report and is telling me they will continue to report the account this way until it is paid off in approximately 12 years. XXXX is refusing to correct the report from showing as currently being modified to showing the account as previously modified. This is the only negative remark showing in my credit report, and despite having an XXXX XXXX, I am being denied credit by XXXX XXXX due to this intentional misrepresentation of facts.
Product: Debt collection

Portfolio Recovery associates, LLC is o n my credit report ( on all  XXXX  bureaus ) twice. While they did send a verification of the debt for  XXXX  the accounts they have and what it was for, they have n't validated the debt to be mine nor have they responded to my request for verification. They are vultures. They buy old debt for pennies and try to get a full amount even after statue of limitations expires and they harass a bunch of people. They call all the time at weird hours, especially at  XXXX  when I am ASLEEP.   Just today, I was looking up to see if they were licensed and/or bonded in my state and they do n't show up anywhere on the site for the state of Wisconsin.   I would like them to be removed from my reports as they are ruining my reputation for credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy eventhougt the name, lastname and birthday match the social security and the state I have live since XXXX until today XX/XX/XXXX does not match. 
I found out when I tried to get a loan for a home and they asked me about it, it sorprise me when they ask how long I have lived in XXXX XXXX, I have never live there, I have always received calls about student loans and other debts but I thoug it was fraudulent calls since by that time I didn't own a single credit card, my first Credit card was issued on XXXX before that I used to pay everything cash.
Product: Credit card

Bank of America Credit Card I paid the balance to XXXX XX/XX/XXXX. On XX/XX/XXXX I took a snapshot of the account balance paid to XXXX. 
On XX/XX/XXXX I discovered an interest fee was still showing on the account and contacted customer service to dispute the charge. The dispute was denied and I closed the credit card account completely.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sold XXXX on PayPal after that my PayPal balance was fraudulently used and on XX/XX/XXXX PayPal refunded me the money. Unfortunately for me the money I been needing is now on hold for 180 days due to a permanent limitation on my account. The funds are from XXXX I sold so why are they holding it!?
Product: Credit card or prepaid card

I have an XXXX Chase credit card which I have had for a few years. I have a credit limit of {$12000.00} and I owed over $ XXXX on the loan. I am currently going through a divorce and I was trying to purchase my own home. In order to qualify I needed to pay down some revolving debt. I paid off XXXX on the XXXX chase card. Doing this helped my debt to income as well as my Utilization. Let me preface this by saying I have never been late on 1 payment with Chase. I have made all payments on time for years. I pay them off and boom I qualify for my house and I am ecstatic. I get a letter in the mail dated XX/XX/XXXX. They are lowering my credit limit to {$7500.00}. Why? I have too many high debts on revolving accounts. OK but I need this to help my utilization. I called Chase on XX/XX/XXXX and she told me the PRR department wasn't in and to call the next day. I called on XX/XX/XXXX. I explained to the guy the situation, he was smug, in my opinion, and told me he had to pull my credit. I had paid off other debts and had a plan to pay more down. They tell you when you get preapproved to not apply for any other cards. I allowed him to pull it only for him to come back and deny me. So I can be approved for a {$240000.00} house but now a {$5000.00} increase in the amount I had just paid. The guy kept trying to get me off the phone as I was asking for further explanation and help as to not allow my score to drop where I didn't qualify for certain mortgage products. He didn't seem to want to do anything else to explain or help me. There are no exceptions and they do not account for any mitigating circumstances. I know Chase bank is a big company but I thought they would be more willing to help the people who have accounts with them. This does not create any sense of loyalty or wanting to advocate for other people to join Chase. If anything I would tell them to stay away because if you need them, they will not help you. The rep I was speaking to at Chase only advised he could have someone call me when I asked to speak to his manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX I am writing to formally request the deletion of certain negative accounts from my consumer report, which have been reported by XXXX XXXX XXXX XXXX ( account # XXXX ) without my explicit consent to all three credit reporting agencies, which fall under non-affiliated third parties. I have also noticed inaccuracies in the reporting of a charge off to the consumer reporting agencies regarding this account. According to the FCRA, credit reporting agencies are responsible for maintaining accurate and up-to-date information. This has been ongoing for two years and XXXX has willfully provided inaccurate information about my credit history and though I have brought this to your attention this specific account remains on my consumer report. These entries violate provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681a ( 2 ) ( a ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), 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 15 USC 6802 - Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b - A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/year>, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a government job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college studies with a full-time job has added the role of a full-time credit XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me.

Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.

Details of Disputed Inquiries : Experian : 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 XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and XXXX XXXX XXXX XXXX ( XXXX  ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

For Experian, XXXX and XXXX XXXX Correctly reporting individual and total credit limit and balance figures for revolving accounts. 

However, falsely reporting utilization ratios for totals as 100 % when well under 50 %, in turn causing false credit score reporting.
Product: Mortgage

Rushmore Loans overpaid my property taxes on XX/XX/XXXX, received the refund from the counties ' tax office on XX/XX/XXXX, cashed the check on XX/XX/XXXX and has not refunded my escrow account. Better yet, they deny even receiving the refund check which they cashed. My load is up for escrow analysis and they are fraudulently raising my monthly payment.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX responded to my dispute with incorrect information and no documentation. Dispute # XXXX. 
As a result of XXXX  misinformation, my case # XXXX was closed with inaccurate information and no documentation. 
My lease was signed and extended 2 months. Not only did XXXX incorrectly repossess the vehicle, but they are continuing to report inaccurate information on my credit report which has caused me to be denied housing. 
A police report was also filed. 
This issue was addressed in court & after reviewing documentation the XXXX attorney apologized to me for the error and the judge awarded in my favor. 
I am attaching a copy of the judge 's decision on XXXX XXXX, XXXX. For 5 years XXXX has caused me damages and has refused to correct it. 
Thank you in advance. 
XXXX XXXX
Product: Credit card

NORDSTROM/ TD BANK XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Subject : Request for Removal of Debt from XX/XX/year> Dear NORDSTROM/TD BANK, I am writing to request the removal of a debt that was incurred approximately six to seven years ago, as reported on my credit report. The debt in question appears on my credit report under the account number XXXX, and it originated from NORDSTROM/ TD BANK. 
After thorough review of my financial records, I have come to realize that this debt has surpassed the statute of limitations and is no longer legally enforceable. According to the Fair Credit Reporting Act ( FCRA ), the statute of limitations for reporting most negative information on a credit report is typically XXXX years from the date of first delinquency. As such, I kindly request that you remove this outdated debt from my credit report. 
I understand the importance of maintaining accurate and up-to-date credit reports, and I believe that removing this outdated debt would reflect a more accurate representation of my credit history. Removing this debt would also help improve my credit score and provide me with better opportunities for financial stability in the future. 
I would appreciate your prompt attention to this matter. If you require any further information or documentation from me to facilitate the removal process, please do not hesitate to contact me at the above-mentioned contact information. 
Thank you for your understanding and cooperation in resolving this issue
Product: Credit card

I believe the account is invalid. KINGSTON DATA AND CREDIT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.KINGSTON XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I attempted to make a purchase using my Synchrony Bank Venmo Visa credit card but was unable to complete the transaction. I contacted Synchrony Banks customer service and was informed that my account had been closed on XX/XX/year>, due to " potential risky behavior. '' The representative stated that a detailed explanation for the account closure would be mailed to me within 7-10 business days. Prior to this, I had not received any warnings or digital correspondence regarding potential issues with my account.

I was also informed that, due to the account closure, I would be ineligible to receive the cashback I had earned during the current statement period. As of XX/XX/year>, the cashback amount was at least {$920.00}. After including pending transactions from XX/XX/XXXX and XX/XX/XXXX, and the usual adjustments that are made at the end of the statement, the total cashback I had earned would have been {$1600.00}. Despite my request to have the earned cashback transferred to my Venmo account, Synchrony Bank stated that this would not be possible.

I believe the denial of earned cashback and the lack of prior communication regarding the account closure are unfair and warrant further investigation. I am seeking assistance in resolving this issue and obtaining the cashback I rightfully earned.
Product: Mortgage

I have my mortgage setup with Wells fargo. On XX/XX/XXXX my mortgage was paid for the month. Then on XX/XX/XXXX Wells Fargo drafted another mortgage payment from my account without my authorization. I called Wells Fargo on XX/XX/XXXX when I found out that they drafted from my account without my authorization. They started off by laughing at me and telling me to get a lawyer so I called my bank ( XXXX ) and reported it as fraud. I was told that my money would be put back into my account the next day and it was but today XX/XX/XXXX Wells Fargo drafted from my account again without my authorization and even after I reported it as fraud to my bank. Because if this I have around .300.00 in overdraft fees and now also missed payments for my electric bill, propane bill and my wifes car payment. What can I do about this fraudulent activity taking place from Wells Fargo and XXXX?
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
Bankruptcy XXXX XXXX reference XXXX
Product: Checking or savings account

I've recently opened a checking account with Capital One, and moved {$550.00} from a XXXX account to them, then later transferred that to my Capital One credit account to pay off my credit card debt. A few days after that, I got a notification on the app that I was no longer able to withdraw funds, and to call the support number. I've tried calling the support number several times, who have tried to verify my XXXX account several times, and each time I've been told to reschedule at progressively less convenient times. I can't withdraw my funds, and they have full records of what happened and when, but their customer support service keeps pushing the issue down XXXX XXXX.
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 XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the problem on my report.