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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Email : XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington, D.C. 20552 Subject : Complaint Against Consumer Disputes Reinvestigation in Progress for FCRA Violations Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Consumer Disputes Reinvestigation in Progress regarding their reporting of inaccurate and unverifiable information on my credit report. Under 15 U.S. Code 1681o, I have the right to ensure the accuracy of reported information and to seek remedies for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ).

Despite my requests, Consumer Disputes Reinvestigation in Progress has failed to provide proper validation of the alleged debt they claim I owe. Specifically, I have requested : Proof of the validity of this debt, including a detailed breakdown from the original creditor and any agreements bearing my signature.

Documentation proving Consumer Disputes Reinvestigation in Progress has the legal right to collect this debt, including a proper chain of custody.

Verification that the account has been accurately reported, as required by the FCRA.

As of today, Consumer Disputes Reinvestigation in Progress has not provided the necessary validation, yet they continue to report this account negatively on my credit file. If this information can not be verified, the FCRA mandates that it be removed from my credit report.

I am requesting the CFPB to investigate this matter and hold Consumer Disputes Reinvestigation in Progress accountable for any violations. If they have failed to comply with federal laws, I expect appropriate enforcement action, including the removal of this unverified account from my credit report.

I appreciate your attention to this matter and look forward to your prompt response. Please keep me informed of any updates regarding this complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute the erroneous accounts with the credit bureaus, XXXX, XXXX, and TransUnion but the credit bureaus have refused to respod. I have sent numerous attempts sent certified mail and the credit bureaus lack of response is a violation of the Fair Credit Reporting Act. I have attached the most recent letters as well as provided the certified mail receipt numbers to prove the credit bureaus have received the dispute letters. 

Certified Mail Receipt Numbers XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX TransUnion dropped my credit score by XXXX for simply adding one credit card to my name. No other credit reporting agencies did that. XXXX points is a very damaging point drop affecting everything g from me getting a job, a car or a place to live
Product: Credit reporting or other personal consumer reports

Per Equifax and TransUnion has reported an account that was charged off with XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX of {$1800.00}. I was never given the XXXXXXXX XXXX to report the income on my XXXX tax return. 
I've attached the same document I've used to send them to show proof minus my divorce decree which was sent certified mail along with the letter I sent XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION IN DISPUTE AT ALL. UPDATE IMMEDIATELY, AND EXPEDITIOUSLY, THE ACCOUNTS BELOW. Peace and blessings! See XXXX XXXX Correction Letter below. 

UPDATE AND CORRECT IMMEDIATELY : - XXXX XXXX XXXX : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First Progress BankXXXX XXXX XXXX Bank was my first secured credit card account. When I closed the account they told me I could spend my deposit and theyd send me the remainder in the mail, which is exactly what transpired. I spent about {$170.00} of my {$200.00} and they sent me a check for the remaining {$19.00} ( after all their processing fees ). Then proceeded to charge my card with annual fees and processing fees after I had already closed the account and received my check. Now they claim that I owe them {$170.00} in late fees and processing and I do NOT. I closed the account days before any of those fees were ever applied, I would like it removed from my credit report.
Product: Credit card

I called Capital One XX/XX/2016 to opt out of receiving credit card applications in the mail. Continue to receive them. I WOULD NOT USE CAPITAL ONE IF IT WAS THE LAST CREDIT CARD ON EARTH. Thank you.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing mistakes, including late payments that dont align with my usual payment patterns.
Product: Mortgage

Lender : Flagstar Bank Title : XXXX  Title We received our initial closing disclosure on XX/XX/2024. Since then it has changed several times. Finally the lender and title company came to an agreement and they matched CDs. 

Last second before closing on XX/XX/XXXX and XX/XX/XXXX the lender changed the CD and removed part of the {$10000.00} that our seller agreed to give us. This was hours before closing and forced us to reschedule closing. 

Today, XXXX XXXX, we received another CD that was higher than all of the ones before, even the one that reject the portion of the {$10000.00} promised by the seller. Everything they send a CD it goes up and up and up.

They have no resolution for us and we have no clue what's correct.

They have baited and switched us and acted in Unfair, Deceptive and Abuse Practices. 

Attached are XXXX of the CDs we received.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

CXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act my rights as a credit consumer have been violated by the bureaus and XXXX # XXXX 15USC 1681 section 602A states I have a right to privacy .... 

15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 

THOSE ARE XXXX VIOLATIONS THAT SHOULD RESULT IN DELETION OF THAT ACCOUNT
Product: Checking or savings account

I opened a Chase Total checking account on XX/XX/24 using a promotional email sent by Chase that contained the promotional offer of earning {$300.00} once the account was opened and direct deposit was established. I applied using the link contained in the email, which stated, " Coupon code applied when you click 'Open an account '. '' I clicked the link and saw that the coupon code was attached to the application when filling out the fields. I completed the form, was approved for the checking account, set up direct deposit, was paid 2 weeks later, but never recieved the bonus. 

I decided to follow up with Chase on XX/XX/24 to check the bonus status, but after providing the promotional email and coupon code, Chase told me there was no record of the coupon code being applied to my application and that they can not retroactively apply the coupon 21 days beyond the account opening date. I pushed back, stating that I followed their terms and conditions and that there isn't a way for me to validate one whether or not the code was indeed attached to the application ( since I do not have access to Chase 's application data ) and that according to my research from others with this problem, they were able to get the code retroactively applied to their application within 30 days of account opening. Currently, I'm still waiting on an update from their review, but the 30 day mark is rapidly approaching, and I do not want Chase to " stall '' the fix until 30 days pass.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. XXXX is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, XXXX has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$3400.00} XXXX XXXX Balance : {$1600.00} t XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX/ {$450.00} / # XXXX / charge off Midland Credit Management/ {$1000.00} / # XXXX / XXXX XXXX Both cases tried contacting the companies.
Product: Credit reporting or other personal consumer reports

I consistently ensured XXXX payments, so I'm puzzled by an error in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit reporting agencies to attempt to fix the problem and i have also asked them to investigate each, send me results of the investigation and remove inquiries I did not authorize. Below is the list of the inquiries, the date it shows on the bureau and the credit reporting agency that reported it without my written consent in accordance with USC 15 1681. 

PREMIUMCRE - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Over the last several years, I have been getting repeated phone calls from Ally Financial regarding debt owed by a person with the same last name as me, and whose wife has the same first name as mine. On each call, I have explained that I am not the debt holder and asked Ally Financial to stop calling me. I have been unsuccessful in getting them to stop. The most recent occurance took place XX/XX/XXXX 2015, when they called and hung up. I called them back to learn it was the collection service. I asked to speak to a manager at that time and explained the situation. She assured me it would stop. I recieved another call less then 24 hours later on XXXX XXXX, 2015. Again, the caller hung up when I answered. I called back and spoke to the same manager again, who again assured me it would not happen again. When I inquired as to how they even got my number, she explained that they have a " tool '' that they use to find possible relatives to debt holders. I explained to her that I have repeatedly told them that I do not know the debt holder in any way and should not be linked to them. As I result of their actions, we have had to take out identity theft insurance for the last several years, and have had some complications with my wife 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to get my credit report from both XXXX and Equifax to no avail. Im only able to retrieve my credit report from Equifax. This issue has caused me a great deal of stress and I would like for it to be fixed as soon as possible.
Product: Credit card or prepaid card

This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$1800.00} from AMEX XXXX American Express ) which it says charged off but is reporting on my credit file and is inaccurate.
Product: Credit card

My XXXX XXXX was taken from me after letting a stranger borrow it on on XX/XX/2024. The phone was unlocked and the individual was able to change the password, removed my XXXX trusted device, and locked me out of my ID. There was no way to reset this password without a SMS verification code that went only to the stolen phone. 

Next, the thief then proceeded to login to the XXXX XXXX XXXX  and download a game called " XXXX XXXX XXXX and made XXXX transactions for {$110.00} for XXXX Diamonds in game purchase and XXXX transactions for {$11.00} for XXXX Diamonds in game purchase. The device appeared to be logged in from XXXX during this according to my XXXX email notifications. 

I spoke with a fraud XXXX who worked for Goldman Sachs Apple Card division who made a claim against these fraudulent transactions on XX/XX/2024. I called back on XX/XX/2024 after receiving an email notification that my disputed charges were reversed and was told that was an error. I would be compensated for these fraudulent transactions made through this game on the XXXX App store and I would not need to worry. As a credit card company they will reverse fraudulent transactions. 

Now today on XX/XX/2024, I received another notification today that Goldman Sachs XXXX XXXX Card has done a Provisional Adjustment Reversal on XXXX of the {$110.00} transactions and XXXX {$11.00} transaction. 

Their investigation concluded with a note on these XXXX reversed transactions : " We reviewed the available which confirms that you authorized the purchase with the merchant. '' Which I clearly did not. I did not have access to my XXXX XXXXor several weeks following the incident, until I could get a replacement SIM card and phone. 

I also believe that the company may try to do to the remaining XXXX of XXXX fraudulent transactions as well. I have not recieved any notifications about those yet but it is possible those will be reversed. So I would like to make sure that is addressed as well in this complaint.
Product: Mortgage

I am writing to you on the advice of XXXX XXXX XXXX 's XXXX with the hope that you can help me. I basically, through my lawyer, XXXX XXXX have been trying to avoid Foreclosure and am still in Mediation with NationStar/Mr. Cooper and have turned down there Modification offers of {$1900.00} and {$1900.00}. The original Mortgage payment was {$2200.00} on a mortgage of approximately {$310000.00}, this makes the modification {$270.00} and {$300.00}. I lost my husband on XX/XX/2015 and my income was cut in half so I was not able to afford the then current mortgage payment of {$2200.00} and also can not afford the two modification amounts of {$1900.00} or {$1900.00}. I feel that Nationstar/Mr. Cooper should make the modification offer one that would enable me to pay the mortgage and stay in my home of 25 years. That being said, my husband and I paid our mortgage on this home on time for 22 years. My now having turned down these offers and these, according to XXXX XXXX, being the only offers Nationstar/Mr Cooper will make, my lawyer has now initiated a " Short Sale '' pricing the home at {$150000.00} and an offer has been made. ( If I were paying a mortgage on my home being accessed at {$150000.00}, the mortgage payment with 20 % down would be approximately {$880.00}. ) The offer has been made by my neighbor and she would like to rent my home to me for a couple of years pending the marriage of XXXX of her daughters, she lives in the house next door and grew up there and her XXXX lives in the house on the other side which was her Grandmother 's home. I am asking Nationstar/Mr.Cooper to waive the " Arms Length '' Affadavit so that if the sale should be accepted that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Nationstar/Mr. Cooper refuses to do this. I am XXXX XXXX XXXX on a very limited XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Rents in this area are very expensive and I don't have the funds to move a great distance, I also have four elderly cats and a lot of rentals don't take cats. I am doing everything I can to stay in my home of 25 years and need help. Thanking you so much for your consideration.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXXXXXX account with the account number XXXX This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXXXXXX account for the months of XXXX, XXXX, XXXX, XXXX, XXXX & XXXX OF 2023
Product: Debt collection

On XX/XX/2021 I XXXX XXXX the natural person received a letter from XXXX XXXX XXXX stating that I pay debt. I do not owe any debt to XXXX XXXX or did I do any business with them for them to have my information and I am furious that they inconvenience me by calling and me and asking for money and send me letters demanding money. This a violation of my consumer rights and according to 15 USC 1692k the are criminally liable for {$1000.00} for each violation they've violated under the FDCPA.
Product: Debt collection

Received notice from XXXX XXXX, XXXX regarding collection of a debt of {$710.00} with collection fees concerning my " merchant service agreement ''. Never received a bill and I am uncertain as to what company this debt is due to.