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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute several items that appear on my credit report. After reviewing my credit report, I have identified several inaccuracies and unauthorized inquiries that need to be addressed as soon as possible. 

Firstly, I noticed that my personal information is incorrect. Specifically, my previous addresses were reported incorrectly. The addresses listed on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I have never lived at either of these addresses. 

Additionally, I have no recollection of authorizing credit inquiries by several companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquiries are damaging my credit score and I demand that they be removed immediately. 

Furthermore, I have noticed that some accounts on my credit report have incorrect information, such as late payments and incorrect balances. Specifically, account number XXXX with XXXX XXXX XXXX XXXX is reporting incorrect late payments, which have not been updated. I demand that these incorrect late payments be removed from this account immediately. 

Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  need to be verified and corrected or deleted from my credit report. 

Lastly, I do not recognize the accounts with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have never had any business relationship with these companies, and therefore, these accounts are not mine. Account number XXXX with XXXX XXXX XXXX XXXX and account number XXXX with XXXX XXXX XXXX XXXX should be removed from my credit report immediately. 

I understand the importance of maintaining a good credit score and I hope that you will take the necessary actions to correct these inaccuracies and remove any unauthorized inquiries from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

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

I have had an ongoing issue with XXXX XXXX XXXX XXXX since this origination of this Lease with the XXXX XXXX XXXX. It seems that they continue to try to damage me and my credit worthiness. I've tried on multiply occasions to work with them, from them placing the wrong amount of miles on my lease to repossessing a car which I tried to return to them at their dealership, to not explaining taxes correctly and how they are paid with the lease to sending me a bill for over {$6000.00} and then damaging my credit. The account ended up with Vital Recovery Services which I finally agreed to settle with a 2 payment plan XX/XX/XXXX and XX/XX/XXXX and they have yet to send me settlement confirmation letter. I struggled to make these payments and placed my mortgage on hold to make this go away. The first payment, processed a little early so we had to reschedule it so we agreed managed to agree to same terms. However, we got it done and still I haven't heard from the representative or XXXX to say that it was complete. During this time, XXXX was still sending me statements showing I owed money and I was working with Vital Recovery too. Long story short, I paid Vital Recovery 2 payments of {$1200.00}. XXXX is still reporting that I owe money to them so when I called to follow up I explained that they are do a subpar job of following up with their Agency on my account and that they are damaging my credit and I asked who is responsible for updating my credit? The representative stated he didn't understand my question. However, I know who should and they have dropped the ball again. I advised then that I would be making another complaint about the mishandling of my account.
Product: Credit reporting or other personal consumer reports

DEPT OF ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX 1602 A. States I have the right to privacy.

lon 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without n a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any oi on Any other adverse item of information, other than records of convictions of crimes which antedates t XXXX years. 
XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting age or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX Discover closed my credit card account " due to inactivity ''. This was my oldest credit account and has negatively impacted my credit score by over 100 points.

My credit card from Discover was opened in XX/XX/XXXX. My last payment on the card was XX/XX/XXXX. It was closed on XX/XX/XXXX without my consent. 

Why all of a sudden did they close it after nearly 5 years of inactivity? 

I did not receive notice that they were going to close my account. I have called them numerous times to try and have my account reopened and they are denying the request " due to their policy ''. 

I can understand closing an account due to inactivity but I think there should be a way to reopen the account and start using it again. Especially since the credit score system calculates your " credit age '' only based on your accounts that are currently open. 

I have seen online that other people have successfully had their accounts reopened by filing a CFPB complaint and am hoping to make some progress in recovering the last decade of my credit history.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2019 {$420.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I tried to communicate with the above company but the representative was argumentative when I tried to explain I never received any notice about this or chance to dispute this before it went on my credit report. The representative demanded rudely I must pay or else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

The 2 cards are as follows Chase Opened XX/XX/XXXX Closed XX/XX/XXXX Chase opened XX/XX/XXXX closed XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Citibank failed to perform a reinvestigation of a charge-off account reported by Citibank on my credit report. The account in question is listed under XXXX and has been marked which I believe may be inaccurately reported. XXXX and Citibank didnot provide the method of the reinvestigation. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to an accurate and complete credit report. The FCRA mandates that credit reporting agencies ensure the information in credit reports is both fair and accurate. Inaccurate or incomplete information must be corrected or removed. 
Moreover, the FCRA requires that any reported late payments must be accurate and substantiated. Under 15 U.S.C. 1681c, late payments must reflect the true nature of the account status. If a late payment entry is incorrect or outdated, it should be promptly rectified.

Failure to comply with these requirements can be considered willful non-compliance under 15 U.S.C. 1681n, which addresses the responsibilities of credit reporting agencies to maintain accurate records and the legal repercussions for failing to do so. 

In light of these legal obligations, I request the following information regarding the reinvestigation process : The specific procedures XXXX will follow to verify the accuracy of the reported charge-off and any related late payments. 
Details on how communication with Citibank will be managed to obtain updated or corrected information. 
The anticipated timeframe for completing the reinvestigation. 
How and when I will be notified of any changes or updates resulting from this process. 
I expect a thorough reinvestigation and prompt resolution of this matter in compliance with FCRA standards. Please keep me informed of any updates or changes to my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX {$1200.00} These collections are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am re-submitting an another complaint with the CFPB, seeking confirmation that the Credit Bureaus EXPERIAN, XXXX, and XXXX will take the necessary steps to examine and aid in the removal of the fraudulent inquiries I detailed in my past and current complaints. I respectfully ask the CFPB to partake in aiding me to address the issues prevalent in my credit report. Presented herein are certain items that I suspect were initiated under an alleged identity theft situation, requiring urgent attention and, if feasible, quick removal : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Numerous attempts made to dispute and correct information appearing on credit reports with XXXX, Equifax and XXXX. Issue is in regards to medical collection accounts that belong to someone with similar name spelling. This includes XXXX accounts from the same collection agency, XXXX XXXX XXXXn on behalf of XXXX XXXX, in the amounts of {$110.00}, {$130.00} and {$2200.00}. Documentation was submitted, which included name information and copies of billing statements from the original account holder ( not the collection agency but the hospital ) showing patient name on the statements. Most recent actions taken include : dispute submitted to XXXX XX/XX/XXXX and returned XX/XX/XXXX stating information was verified as accurate ; dispute submitted to Equifax around XX/XX/XXXX and returned XX/XX/XXXX stating information was verified as accurate ; dispute submitted to XXXX around XX/XX/XXXX and returned stating that the smaller account for {$130.00} would be removed, while there was no sufficient documentation shown to remove the larger account for {$2200.00} and the information was verified as accurate. Both accounts for XXXX were included in the same dispute and the documentation submitted/accepted was the same, and the accounts are from the same collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... WORLD FINANCE CORPORAT XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

I applied for the First Progress secured credit card on XX/XX/2021. I was told that I was approved and that I needed to either make a {$2000.00} dollar deposit or send {$29.00} for them to process the card and then after I receive it then make the deposit. I decided to pay the {$29.00} After three weeks of not receiving my card I contacted First Progress to find out about the status of my card and ask why I did not received it yet. The customer representative told me that the reason was that I needed to send a copy of my drivers license and a copy of a utility bill, to which I said that I was ready to do. I asked if I should email the documents or send them by regular mail. The customer representative told me that I had to fax them, however she stated that it was to late already and that I needed to re-apply and paid an extra {$29.00} I asked to speak with a Manager since I felt that what was going on was totally unfair. I spoke to a Manager and explained the issue. He told me that in deed I had to reapply and pay an extra {$29.00}, which I told him it was absolutely absurd. First, they never told me about the extra paperwork and second they wanted me to pay more money. I mentioned to the Manager that it stated in their fine print that if I was to be denied for whatever reason I would get my money back. He said : Im sorry, but if you want your card you have to re-apply and pay an extra {$29.00} Totally unfair. This people are thieves.
Product: Student loan

The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX made pervasive and widespread substantial misrepresentations that their private loan borrowers relied on to their detriment. This conduct affected students who enrolled at the Art Institutes from XXXXXXXX XXXX XXXXXXXX through XXXX XXXXXXXX XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by The Art Institutes, The Department of Education has determined that it is appropriate to discharge the loans made to all students who attended XXXX XXXXXXXX XXXX during the time period described above.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with ( XXXX, XXXX, Trans Union ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. 
I strongly believe that they are in violation of the Federal Credit Reporting Act, ( FCRA ), and are outright refusing to uphold the law.
Product: Credit card or prepaid card

On XX/XX/2018, I saw an an AMEX ( America Express ) ad targeted for me Earn XXXX Membership Points after spending {$2000.00} in 92 days After signing up the credit card and meeting the spending requirements, the sign up bonus is not issued. 
I contacted customer support and was then informed that my sign up bonus is declined. I am not aware of this situation until fulfilling the {$2000.00} spending requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my accounts have been frozen to protect me from the fraud thats been happening on my account. There are 3 inquires that do not belong to me and I wake up. this morning to 4, even though my account is frozen! 

XX/XX/2022 shows an inquiry for XXXX XXXX which is apart of transunion. A soft pull with XXXX XXXX, simply logging into their site, was coded by transunion as a hard inquiry despite my credit file being locked. This is against my consumer rights and rights as a united states citizen and this is the 2nd time transunion has violated my account. 

The first time they gave me a year free of XXXX. 

This can not keep happening as i'm trying to buy a home and your company is playing with my profile. 

My account has been frozen since XX/XX/XXXX XXXX XXXX  MST
Product: Mortgage

XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Against Mr. Cooper Mortgage Service XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan # XXXX Follow Up Complaint : This is a follow-up case update, that your office has requested. So as to stay involved in this matter. Mr. Cooper Mortgage Service has employed unfair and deceptive practices, including fraud in the modification review process. On XX/XX/XXXX we received a letter that the law date was moved to XX/XX/XXXX, Please see attached letter. This is due to the President signing into law to stop all foreclosure. Then all of a sudden we received a call that a zoom hearing is set by the judge for XX/XX/XXXX. This date will result in the title of the house to the bank, Our law date is for XX/XX/XXXX. Mr. Cooper has refused to do the modification as they promised to do. Mr. Cooper sent a letter on XX/XX/XXXX, indicating that they had received an application for modification and supporting supplement documentation from us. Contrary to the letter our package was faxed to Mr. Cooper 's attorney nine days later on XX/XX/XXXX, XXXX, with confirmed receipt. Mr. Cooper 's lawyers said that they will forward the package to Mr. Cooper, which is two days before Mr. Cooper sent a determination letter. Mr. Cooper sent a determination letter based on documents they have not received nor reviewed. Please see the attached letter. With this being said I wonder if my case is an individual case or systematic unfair and deceptive practice. Since Mr. Cooper is not a stranger to the scrutiny of this nature, we are requesting modification with principal reduction. Mr. Cooper is wanting for foreclosure of {$960000.00}, while the property value is only {$310000.00} per current appraisal. The original loan in XXXX was {$400000.00}. The bank wants to foreclose the mortgage to the amount of {$900000.00}. That is for a tax write-off for the bank. The Loan was declared a predatory loan by the judge. The interest rate has adjusted up to 14 %. Mr. Cooper scheduled XX/XX/XXXX, like our Law Day. We are requesting your intervention on our behalf. We need to stop Mr. Cooper 's actions. Mr. Cooper needs to explain why they have not followed through with their promise to review our loan for modification. We have the financial qualification for a loan modification. Both I and my wife have been in our current jobs for over seven years. ( Please see a motion to open judgment and extend the law date by the bank Mr. Cooper/XXXXXXXX XXXX. You can see that the bank has used the delay tactic for deception and manipulation to their advantage. Please read Mr. Cooper/XXXX bank 's motion to open judgment and extend the law date to XX/XX/XXXX. The court document stated that the bank wanted to reopen the judgment and extend the law date to pursue a modification review workout. They never followed through and requested any documents from us. I hope that your office will take action to stop the short sale, and make the bank offer us a modification consideration. We thank your office in anticipation. Sincerely, XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$67.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX