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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

ive been with chase since i was XXXX that is now 7 years. they closed my account yesterday. I reported fraud earlier this week the lady on the phone made it sound like i was lying. i have rent due in 2 days my insurance is due as well as other bills. they accepted my direct deposit from work and now its going to take 2 weeks before i have a dime to use i have half a tank of gas and now for the rest of these 2 weeks im screwed. thanks chase for showing us how you treat long term customers. i called the bank they refused to help me. what is the point of a bank that isnt designed to help the people that fund their stock ventures. my rent is XXXX $ late a day. if anything adverse happens through this horrible process im suing chase. DO NOT BANK WITH THIS GOD FORSAKEN BANK!
Product: Debt collection

I do not and have never had a relationship or contract with CONVERGENT OUTSOURCING. This is fraud on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday XX/XX/XXXX I checked my credit score in the morning on XXXX XXXX  and it was XXXX, the same day in the afternoon my credit score went down 57 point with no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX**** THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX**** THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inquiries on my XXXX credit report that are inaccurate. XXXX is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX '' and the other is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. '' I did not authorize these inquiries and I have no accounts or lines of credit with this entity. This is likely fraudulent, or it must be an error of some type. I disputed both of these inquires with XXXX on the afternoon of XX/XX/XXXX, and my dispute was listed as " resolved '' as of XXXX AM on XX/XX/XXXX. Both disputes were denied with minimal explanation from XXXX. Based on the speed of the denial and the lack of transparency, it is clear to me that this dispute was not properly investigated by XXXX. This is ridiculous and disappointing that I have XXXX potentially fraudulent inquiries on my report and I have essentially been told " oh well, that is your problem '' by XXXX. There needs to be greater accountability on the credit bureaus to ensure that their information is accurate since it has such a huge impact on the financial health of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2019 {$250.00} Open balance XXXX XXXX XXXX Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX : {$34000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX bank has violated my rights under 15 usc 1681 section 602 I have the right to privacy. 15 usc 60802 part b A financing institution may not disclose non public information to a non affiliate third party. which Spring oaks capital llc now is reporting inaccuracies without my written or verbal consent.
Product: Debt collection

Ocwen Loan violated my right to privacy. Despite giving them instructions not to discuss my account with anyone when I was late in paying in XX/XX/2018 they sent a delinquent notice of default to my tenants. My tenant caslled asking if I was going through financial difficulties. It was embrassing and a violation. My older son is going through a medical situation I am him with financially.
Product: Checking or savings account

Reference to Complaint ID XXXX. Please find additional documentation regarding my complaint to XXXX XXXX. 

Receipts for payments for the safe deposit box attached made in XXXX and in XXXX. XXXX XXXX legal department advised that the contents would be secured until the court closed the voluntary administration of the estate. 

It is incomprehensible that the bank disposed of a safe deposit box contents while the court was handling an estate.
Product: Credit card or prepaid card

I have taken notes of dates and names and everyone who I spoke to etc since XXXX trying to settle this credit card account with Chase bank. In XXXX of XXXX I agreed upon a settlement amount of XXXX and paid XXXX XX/XX/XXXX. I called to get the new balance on XX/XX/XXXX and was told the remaining balance due was XXXX}. This prompted chase bank to agree to a in flight settlement of XXXX due by XX/XX/XXXX. I then made a XXXX payment on XX/XX/XXXX and the new balance due was XXXX which was then paid in full XX/XX/XXXX. I have called several times since then begging for a paid in full letter and been told by several people it was accepted as payment in full and never got a paid in full letter. Today on XX/XX/XXXX I received a letter saying the settlement was cancelled due to missed or late payments and they will send to a debt collection agency. I am beyond angry and frustrated this continues to report on my credit as unpaid when I am more than happy to provide all receipts documenting everything was paid in full months ago. I want a paid in full letter and this closed once and for all. This is unfair treatment and causing so much more stress and unhappiness then it should. I even have a car loan with chase and pay them thousands each year it should not be that hard to process and in flight settlement and close it and give me a paid in full letter as promised on several recorded calls!!
Product: Mortgage

I am recently married and my wife has filed a bankruptcy for debt aquired before marrage. My current home loan serviced by XXXX has been flagged and transferd to the collections/bankruptcy department. My wife is not on the deed, she is not on the loan. I have an XXXX credit score and my loan is current. I would like to apply for a second home loan, but this situation will be a roadblock, potentially costing me several thousands in interest if I cant take advantage of cerrent rates. I feel this is a mistake on dovenmuels part, and they are doing nothing to correct the situation.
Product: Credit reporting or other personal consumer reports

I am writing to request validation of the debt reported under my name in your records, as permitted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe that a debt has been incorrectly reported, and I am requesting that you provide the necessary documentation to validate the claim. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

Please provide the following information for the reported debt : The original amount of the debt. 
The name of the original creditor and their contact information. 
A detailed breakdown of the charges. 
Any supporting documentation that verifies the debt, including any signed agreements or contracts. 
If you can not provide the requested validation, I ask that you promptly remove this entry from my tenant file. Additionally, please refrain from reporting any inaccurate or unverifiable information to any other credit or tenant reporting agencies. 

I appreciate your prompt attention to this matter. Please respond within 30 days of receiving this request, as stipulated by the applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card

I recently attempted to use my LOWES Credit Card, but my transaction was unexpectedly declined. I then learned that my account had been closed. I have outstanding payment history with lowes and I would like for my account to be re-opened.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I went on the Experian website to file an online dispute about a credit inquiry that caused my credit score to drop. It said the dispute could not be filed online and gave me a phone number to call and file the dispute. On XX/XX/XXXX I called the number and explained the issue to the agent. The agent said it was a call she had to transfer to the " fraud '' department and the wait would be XXXX minutes or so. I waited. Another agent answered and I explained that I did not understand why a collection agency ( XXXX XXXX XXXX XXXX ) was allowed to do a hard credit pull on my account in XX/XX/XXXX while I had a freeze since XX/XX/XXXX. The agent said they don't see a hard credit pull by XXXX XXXX XXXX XXXX, they see an account with them. I do not have an account with XXXXXXXX XXXX XXXX XXXX. The agent the told me she had to transfer me to a third agent in the " specialty '' department. I asked how long the wait will be. She declined to answer. I agreed to be transferred. An automated recording said the wait would be XXXX hours. I hung up. 

It is another problem if Experian allowed XXXXXXXX XXXX XXXXXXXX to present themselves as a company I have an account with or applied for an account with them - causing my credit score to drop - while I have a freeze on my account. It sounds like this is what Experian did. 

Experian gives a phone number to file the dispute and then does not help consumers file the dispute on the phone after not allowing consumers to file the dispute online.
Product: Credit card

Kindly update my account this causing me a lot of stress XXXX  XXXX.
Product: Credit card or prepaid card

I had trouble using my  Chase Sapphire Proffered and Chase Sapphire Reserve credit car ds on or about  XXXX   XXXX , the transactions were declined. The vendor told me he had some issues with his terminal so i did not think anything was wrong. On Sunday  XXXX   XXXX  I had the same issue at another vendor and contacted Chase immediately and found out that as of  XXXX   XXXX , my accounts had been closed without any prior notice. All the supervisor could offer was that my account was closed " because their affiliate was ending their banking relationship with me. '' I received a letter from Chase advising me of the same on Tuesday  XXXX   XXXX . I have no idea what that means and the supervisor could not explain it any further other than repeating the same sentence.   I was advised by  Chase  Customer Service that the only way to get further info on this matter was to send a fax to their  executive  offices at  XXXX  and that a  Chase case manager would get back to me in 24 - 48 h ours. I sent my fax request on Monday  XXXX   XXXX  at   XXXX   XXXX   and as of Thursday  XXXX   XXXX  at   XXXX   XXXX   I have received no response from Chase, more than 96 hours later.   .
Product: Credit reporting or other personal consumer reports

I sent a letter on ( XX/XX/year> ) to remove items that is 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 after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute inaccurate information in my credit report under my rights provided by the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ). The information in question is as follows : - XXXX XXXX XXXX XXXXXXXX - Account Type : Installment Account - Joint Account : Yes - Status : Closed - Original Loan Amount : {$19000.00} - Payment Status : Various discrepancies as noted below Disputed Items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Shows the account as " XXXX or paying as agreed, '' yet lists it as " XXXX, was past due XXXX  days '' on XX/XX/XXXX. 
- TransUnion : Indicates the account status as " OK '' for most months but lists " XXXX days past due '' for several months in XXXX. 

XXXX. XXXX XXXX : - There are inconsistencies in the payment history provided by different credit bureaus. Specifically, TransUnion shows some months as " XXXX  days past due '' while XXXX and XXXX show " OK '' for the same months. 

XXXX of Last Payment : - There is conflicting information regarding the date of the last payment, with XXXX report indicating it was made on XX/XX/XXXX, while another states it was XX/XX/XXXX. 

Reason for Dispute : According to the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information in consumer reports. The discrepancies outlined above indicate a failure to maintain accurate and consistent information. Additionally, per 15 U.S. Code 1681i, any item found to be inaccurate or unverifiable after a reinvestigation must be promptly deleted or modified. 

Request : I request an immediate investigation into these discrepancies. If, after your investigation, the information can not be verified as accurate, I request that the inaccurate information be deleted from my credit report. 

Enclosed are copies of my credit report highlighting the disputed items for your reference. Please provide me with a written statement of the results of your investigation and a free copy of my credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint against MCM. How many do I have to file before something get done? The first one I was told to call XXXX XXXX XXXX XXXX., " your accounts have been referred to a XXXX XXXX XXXX XXXX. Please call them at ( XXXX ) XXXX ext. XXXX to assist in reaching a resolution of your account balances '' Well I did call like they stated and of course I got the run around AGAIN. Why? So now I have spend my time doing another complaint against them. 
When I call I get told that I have to transfer to another department why? when I was told to call that number to resolve my issues. I feel they are playing games with me. This is so unprofessional and rude all at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting information on my credit report that I do not have knowledge of. I have asked Experian on the following dates the questions below. 
XX/XX/2021 XX/XX/2021 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX The companies above and your company DID NOT notify me 5 days before placing these accounts on my credit report which os a clear violation of my rights under the FCRA. Please remove these accounts immediately. Please provide all of the information below for all of the accounts I listed above. 

What is the date of first delinquency? 
What is the date of last payment? 
How was this account verified with my full legal name, date of birth, and social security number? 
What is the address on file with the account? 
What is the phone number of the company providing the information to your company? 
What is the address of the company providing information to your company? 
What is the date of the original contract when the account was opened? 
Was the information sent to your company by electronic mail, facsimile, XXXX, USPS, XXXX, XXXX, or another secure method? 
What is the name of the person that is providing information to your company? Is it someone from the company or a third party? 
Please provide a clear copy of a contract for each account showing my name, address, and signature. If your company can not provide all of the information I am requesting, please remove the accounts from my credit report immediately. 

Experian never answered any of my questions and none of these companies sent me a letter in reference to the accounts they reported to Experian. 

Experian has been notified by mail more than 10 times to correct my name. I have sent them a clear copy of my Passport, social security card, and current bill showing my name and address and they refuse to correct my name. Experian has my name listed as XXXX XXXX and my name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX a Dispute With XXXX an Transunion, also complaint with CFPB an company responded with ( IRREFUTABLE ) information that was consistant with what i stated an account still wasnt removed. I high lighted there reponse proving balance Different amounts I have Requested copy or the original agreements that created the original debt that includes all signature of all parties. Also I requested proof of chain of ownership the includes proof of assignment that include change of ownership must be from that original creditor to the current owner without breaking chain. Also include a full accounting history from the original creditor including the date an amount of each payment, date of each delinquency leading to the collection status .If any interest of fees have accrued or been added onto the balance. Please send ( Proof ) that such fees are lawful and agreed upon in the original purchase. Proof that you are legally allowed to collect in the State of Alabama including your third party Debt Collector Bond. Also send proof that you sent the legally required notice to me before reporting this alleged debt to any consumer reporting agencies, including copies of original notice an any letter tracking your firm maintains FTC vs XXXX XXXX XXXX makes clear that it debt parking without proper notices is a violation of consumers rights.