23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello I applied for a loan modification in XXXX XXXX and submitted documents. 

Selene requested XXXX months bank statements and I sent them. 

I was declined because I didnt send a bank statement from XX/XX/2022 which was over XXXX  months ago. 

I am requesting my loan modification be reopened & approved because Selene requested XXXX months of bank statements not XXXX months.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

In XXXX of 2019 XXXX XXXX credit card through comenity bank notified me that the account was closed and I was no longer responsible due to fraudulent charges. In XXXX I received a notice that a payment was due, I can not access the account and when I try to contact them I am advised there is a payment due and no further information can be given. I haven't received any type of statements or notices regarding the account, this is illegal and unfair billing practices according to MD law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Reinserted Account on My Credit Report To whom it may concern : I am writing to formally dispute a reinserted account that has appeared on my credit report managed by Equifax. This account had previously been removed from my credit file, and its reinsertion without the proper notification and verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

According to the provisions of the FCRA, if a previously deleted account is reinserted into a consumer 's credit report, the consumer reporting agency must : Notify the consumer in writing within five business days of the reinsertion of the account. 

Provide verification that the account has been reinserted with accurate and complete information from the furnisher of the account.

I respectfully request that Equifax : Conduct a thorough reinvestigation of the reinserted account to ensure that it meets the verification and accuracy requirements mandated by federal law.

Provide written documentation of the reinsertion process and the verification steps taken. 

Remove the reinserted account from my credit report if it can not be verified as accurate and complete. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in the verification process. 

Thank you for your prompt attention to this matter. I trust that Equifax will handle this dispute in compliance with the FCRA and ensure that my credit report remains accurate and fair. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Reinsertion of Previously Deleted Information ) Under this section of the Fair Credit Reporting Act, if a consumer reporting agency reinserts previously deleted information into a consumer 's credit report, the agency must : Notify the consumer within five business days of the reinsertion. 

Provide the consumer with the name, address, and phone number of the furnisher of the information. 

Ensure that the information has been verified as accurate before it is reinserted. 

Failure to comply with these requirements constitutes a violation of the FCRA and entitles the consumer to dispute the reinsertion and seek appropriate remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a denial letter on XXXX XXXX, 2019, from XXXX XXXX for a car loan, due to information supplied by XXXX credit reporting bureau. The credit score they supplied for me was 70 points below the other 3 reporting agencies. My husband 's score was 110 points lower than the other 3 agencies. I have no idea who this company is or how they are authorized to report on my credit status. From the information I have XXXX XXXX is the only Bank using this company. They are definitely not using the industry standard for Credt Scores. They have made up their own numbers ( XXXX ) and they are affecting my credit score and my ability to get credit. They also listed something about not having my phone number long enough. I have had the same phone number for 40 years. How can I stop them from lowering my credit score that we have worked the last 40 years to establish?
Product: Credit reporting or other personal consumer reports

Thanks. 

While Transunion had a XXXX score listed on the paper form that was higher than the online bank XXXX score for XXXX XXXX ( that uses XXXX ) and while the XXXX paper XXXX score of XXXX was highest ( XXXX ), no score was appearing on the online XXXX statement that lists the scores for XXXX, XXXX, and Transunion. 

Transunion and XXXX stated that XXXX XXXX is to update them.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I NOTICED MANY UNAUTHORIZED INQUIRIES ON MY PROFILE THAT I DID NOT AUTHORIZE!! PLEASE INVESTIGATE AND HAVE SAID INQUIRIES REMOVED. PLEASE...... .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 OF ANY AND all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account ... ..... 
I request 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 ... ... .... 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below ...... 
I request that the following inquiries be verified or removed immediately : *****Identity Theft / Inquiries ****XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX, SD XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX
Product: Credit card or prepaid card

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX service for {$990.00} with my Chase Amazon credit card in XX/XX/2022. XXXX put in writing several times that I was guaranteed a 75 % refund if I didn't like the service after 90 days ( without which I would not have purchased ). I could not use the service because I got a second bout of XXXX, and because XXXX  didn't tell me that I needed certain credentials to use part of it. Suspicious of XXXX I filed a dispute with Chase around XX/XX/2022 ( within 60 days of getting my credit card bill ) stating that I was concerned the guaranteed refund was a fraud, and wanted to protect myself under the Fair Credit Billing Act by having a dispute if XXXX didn't honor the refund. Chase initially advised they were honoring the dispute but then somehow treated the dispute as a fraudulent purchase and sent it to their fraud department. Chase then failed to honor the dispute because, as I agreed, the issue wasn't initial fraud ( I did place the order ), but fraud in the service provided ( not honoring the guarantee ). I have gone back and forth with Chase many times to get them to understand the dispute and handle it properly, and send them all the supporting paperwork ( they apparently lost it a couple of times and I had to keep resending it ). Incredibly Chase now accept XXXX  's lies, including there was no guarantee, even though it is in writing. 
Chase 's 'investigation ' is beyond shoddy and incompetent, and violates by rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER Had an account with XXXX XXXX this is crazy I do not owe this company anything. I have fought this many times and it is still listed on my credit file I need help I do not owe nor ever opened up an account like this. This company is a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that this item be removed from my report. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. I, XXXX XXXX, did not provide your agency written instructions to include this fraudulent account in my consumer report. This is a violation of 15 USC 1681b- ( a ) ( 2 ). You have caused me grave issues and faltered me from being able to advance in my life. I have a family and I would like to be able to purchase a house. This fraudulent account is holding me back. I know and am aware of my rights and I demand that the balances are XXXX out and removed from my account. 

The following documentation will be shipped directly to you so that there is no back and forth about identity verification.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian regarding the accuracy and verification of an account listed on my credit report : XXXX XXXX - XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a detailed description of the investigation process they conduct when a consumer disputes an account. However, Experian has failed to provide such a description within the required 15-day period.

Additionally, I identified discrepancies between Experian 's report and those from other credit bureaus, raising concerns about the accuracy and completeness of the information being reported. Despite my request, Experian has not provided documentation proving that the original creditor manually verified the account, as required under FCRA 15 U.S.C. 1681g and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Furthermore, since Experian has been unable to properly verify this account, per 15 U.S.C. 1681i ( 5 ), the account should be deleted. Experians continued reporting of unverifiable information constitutes a violation of the FCRA and damages my credit profile unjustly.

Experian 's failure to comply with its obligations has caused me financial and reputational harm, as inaccurate information remains on my report despite clear legal mandates requiring its removal if it can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account CHASE AUTO which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that CHASE AUTO was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correcXXXX XXXX XXXX Balanced : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX Account Number : XXXX : is {$220.00} XXXX XXXX XXXX Account Number : XXXX. 
Balance : is {$1900.00} XXXX XXXX XXXX Account Number : XXXX. 
Balance : {$4400.00} XXXX XXXX BANKRUPTCY  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Some of the personal information on my profile is inaccurate. Please verify all the documents that have my correct details.
Product: Mortgage

My loan has been sold 4 times, everytime I call they provide me different information. I have submited 3 packages for modification and the investor has denied every one of them. I have provided pay stubs and spreed sheets to prove I can afford to make my payment. I was capture in XXXX with my XXXX XXXX team I was dress as a civilian, I am a XXXX agent. They torture me and beat me every day. They dislocated  my two XXXX I had two XXXX they requested a ransom XXXX to let me go my family sold everything, my brothers and sistets put the rest of the money to pay the ransom. I was captured XX/XX/2017 for 9 months. After came back I had a XXXX XXXX. That's why I am 26 months behind. I started a technical consulting company XX/XX/XXXX and producing income. However Shellpoint and this investor dont want to help us to get a modification. Even when they are seen my income. We dont have nowhere to go my baby daughter just had a XXXX in her two XXXX  the recovery will take 7 months and then therapy. 
Please help us save our home I have gave my life for country now I need my country to help me. I have a derail hardship letter, badge and deployment orders please help.
Product: Checking or savings account

On XX/XX/XXXX I was pre-Approved by both the SBA and Lender for a second round of PPP money designated for Gig workers, independent contractors, Sole-Proprietors, and the self-employed, Funds in the amount of {$20000.00} was deposited in my account at Capitol One, of which I also had a business account for a different company at the time of the above mentioned deposit. Upon entering the bank to make a withdrawal, I presented my identification to the teller and was told I could not withdraw funds as the bank had placed my account under investigation for fraud, due to the type of deposit ( confused ) the funds were verified, yet Capital One still withheld my ability to utilize my account and access the funds ... They requested documentation, which I provided, and was given a number to call. No one was able to definitively provide a reasonable explanation as to why my funds were being withheld. Fast forward, and I reached out to them on XX/XX/2021 only to be told my account ( both ) was closed and that they would contact me later!! 
Unfortunately I am aware of this very situation happening to several other individuals regarding PPP deposits with Capital One! I am the Sole-Proprietor of my private business and should not be forced into this dreadful situation, especially when funding was verified!!! PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate addresses listed on my credit report and request an immediate update to ensure accuracy. My current address must be updated to XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should also remain on my file as a valid address. Any other addresses associated with my credit report are incorrect and must be investigated and removed to prevent confusion or misrepresentation of my personal information. Under 15 USC XXXXe ( b ), credit reporting agencies are legally required to ensure the accuracy of the information they report. Maintaining outdated or incorrect address information on my credit file is a failure to meet this obligation. Additionally, failure to correct these inaccuracies may violate my rights under 15 USC XXXX and XXXX, which provide for legal remedies in cases of negligent or willful noncompliance with the Fair Credit Reporting Act. I request that my file be updated accordingly, and I expect written confirmation once the corrections have been made.
Product: Credit reporting or other personal consumer reports

I provided a police report indicating I was a victim of identity theft and requested to have the accounts removed from my credit reports, I also requested proof of verification that the accounts belong to me. I didn't receive proof of verification nor did the bureaus remove the accounts. These action took place on XX/XX/year> for the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX Discover Credit card 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 contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), Section 604, credit inquiries are only permitted if there is a permissible purpose. According to 15 U.S.C. 1681b, a permissible purpose includes having explicit consumer consent or being related to a transaction initiated by the consumer, such as an application for credit, employment, or insurance. 

I did not authorize this inquiry, nor did I initiate any transaction with your company that would justify this inquiry. Therefore, this inquiry is in violation of the FCRA. The presence of this unauthorized inquiry on my credit report is negatively affecting my credit score and could potentially impact my financial opportunities. 

I request that you immediately investigate this unauthorized inquiry and provide me with documentation or proof of my authorization. If you can not provide such proof, I demand that you contact the credit bureaus ( XXXX, XXXX, and XXXX ) and request the removal of this unauthorized inquiry from my credit report. 

Please provide me with written confirmation of your actions to resolve this matter within XXXX  days of receiving this letter. Additionally, I request that you provide the name, address, and telephone number of the person or entity that authorized the inquiry, if applicable.
Product: Checking or savings account

I received a call from Frost Bank 's Fraud Department on Friday, XX/XX/XXXX that someone had successfully opened an account in my name. As of today, the account that had been opened has been closed but was requested to file a report.
Product: Debt collection

Hello I was XXXX  when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering to my life thank you and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX, XXXX, I ; XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.