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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XXXX XXXX / 2020, I wrote to Experian requesting an investigation into items that were Unauthorized by this writer. And asked to investigate and provide their method of investigation. To date, I have not received a reply from Experian or any other acknowledgment that an investigation has begun. 

Please see my reasons to dispute below : unauthorized inquiries made : 1. XXXX XXXX  XXXX - XX/XX/2020 2. XXXX XXXX XXXX - XX/XX/2020 I am about to send a 3rd letter. and decided it we best to notify the CFPB
Product: Mortgage

A couple years ago, I XXXX XXXX XXXX and was off work for several weeks. This took a toll on our finances. Then my husband lost his job and we were struggling to make ends meet. I applied with Ditech and have been denied help on three different occasions. I have had one lady who has been nice to me on the phone. Anyone else has been very rude and not willing to help. I have been hung up on, told they can not help me, and I was told not to pay. Around XXXX XXXX, I tried to pay the amount in full that was owed and they told me not to pay it. Never gave me a reason. They said if I were to send in a check it would be sent back to me. This summer, I contacted Neighborhood housing in our county and the lady has been nothing but kind and helpful in trying to help us keep our home. She has been going back in forth with them over the last few months and they have also turned her down two times. This last time she tried again and we were denied again. This time for having too much income and the payment is affordable. The lady from neighborhood housing called and asked if they reviewed for a partial claim, where they can put 12 payments into a 2nd mortgage payable AFTER you payoff the 1st mortgage, but that would mean you would have to come up with the difference IF they cant modify, and it is not unusual for them to do both, but didnt get a straight answer, other than that it is what it is.The time back in  XXXX we were denied because investor does not participate in the FHA Standard Modification. The last time we were denied was because we did n't make enough income. I see there is a lot of complaints against Ditech and this makes me sad and very scared. We are a family of XXXX and all we want to do is pay our mortgage and keep our home. We have lived here for 9 years and  raising our family here. We do not know what else to do. We have tried working with them and do not know where else to turn. Can you please help us keep our home? Thanks so much for taking the time to read this.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agencies, I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX XXXX to your agency [ XXXX/Equifax ] XXXX and I believe that this entry is inaccurate. The payment in question is identified as late, but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX XXXX regarding this account should not be included in my consumer credit report. 

Furthermore, 15 U.S. Code 1666b prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least XXXX days before the payment due date. This is an essential element for justifying any late payment reporting. 

Requested Documentation : In order for XXXX XXXX XXXX XXXX to justify reporting this payment as late, they must provide proof of compliance with the following : XXXX. Proof of Compliance with 15 U.S. Code 1637 ( b ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least XXXX days before the payment due date. 
XXXX. Detailed Documentation : Under 15 U.S. Code 1637 ( b ), specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe. 

Notice of Requirements : In accordance with Rule 1002, you are required to provide me with the requested documentation within XXXX calendar days of receiving this notice. 
Please be advised that merely asserting the information is accurate is not sufficient. 
Without clear proof of compliance with the relevant provisions of the FCRA ( specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 

Request for Action : If XXXX XXXX XXXX XXXX  can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 

I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of receiving this notice. 
Late Payment ( s ) in Question : XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. I look forward to your response and confirmation that the disputed late payment entry has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I initiated a dispute with this company against XXXX XXXX XXXX for submitting a dismissed claim on my credit account. The claim is from XXXX XXXX account that was discharge in my bankruptcy in XXXX. The dispute was never investigated. I received a letter telling me to provide proof of address information, although the information in my credit account is current. I was told that the dispute couldn't be processed. Today, I received a message from Trans Union that my dispute was canceled as per my request. I never canceled the dispute. So many games being played by this agency affecting my credit and my life! I want these folks held accountable. Also, I settled XXXX negative accounts on my credit and my score was not affected. The accounts were simply removed. This is fraud and I would like an investigation.
Product: Debt collection

Midland Credit Management continues to report erroneous information on my consumer credit profile for two accounts with this company, one for a balance of {$650.00} and the other for {$1000.00}. I have no contract or agreements where I ever did business and owed money to this collection agency. I have contacted this company via certified mail to have this violation rectified and removed from my consumer credit profile as it blatantly violates the law. Lastly on my consumer profile this company has itself listed as the original creditor and again has failed to proper identify the nature of the debt violating my consumer rights. 

If a collection agency fails to report the original creditor when they are required to do so, they may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, debt collectors are required to provide certain information to the consumer, including the name of the original creditor, particularly if the consumer requests it. If the collection agency does not report the original creditor when asked or fails to provide accurate and complete information about the debt, they could be violating the law. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), if a collection agency reports incorrect or incomplete information to credit bureaus, they could also be in violation of the law. Credit reporting must be accurate and include sufficient details, which often includes identifying the original creditor. 

If a collection agency is not complying with these requirements, the consumer may file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seek legal action against the collection agency.
Product: Credit reporting or other personal consumer reports

Dear CFPB, This is no longer a goodwill attempt. Bounce AI account # XXXX keep on violating my consumer rights by reporting this account to my credit. THEY CONTINUE TO UPDATE AND VERIFY THIS UNFAIR AND INACCURATELY REPORTING ACCOUNT. I am writing to formally dispute an account reported by XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant federal statutes, I am requesting verification of this debt as stipulated under 15 U.S.C. 1692g, specifically regarding the requirements necessary for collections to exist. Ive already listed the methods of verification my last two disputes. Under 15 U.S.C. 1692g, a debt collector is mandated to provide verification of the debt upon request. Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ), reinforces that all necessary documentation must be provided to substantiate the claim. Furthermore, the requirement set forth in Rule 1002 specifies that an original account must be produced to validate the debt in question. 
They have failed multiple times to validate this debt so by law they must remove this account now.
Product: Payday loan, title loan, or personal loan

I applied for a self lender account to help build my credit. I was denied due to the fraudulent XXXX XXXX XXXX account that is being reported to XXXX  by XXXX XXXX XXXX. I have provided several times the police report associated with the fraudulent account to XXXX XXXX XXXX Check Digital Fraud Claims department several times but the account still has not been deleted from my XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The followings credit accounts were placed on my credit report due to fraud as I was XXXX across seas in XXXX with the United States XXXX. The following credit accounts that have been placed on my consumer credit file is XXXX XXXX Opened 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 XX/XX/XXXX, Please remove the following accounts immediately as it effecting my credit and living situation as these accounts relate to fraud.
Product: Checking or savings account

Chase closed my account without properly investigating the unauthorized funds charged by farfetch and XXXX on the account. Chase stated that they closed my account ending in XXXX on XX/XX/2024. Chase also stated that they released and mailed the funds to my address. It has been more than XXXX business days since XX/XX/2024 and I have not received a check from chase. I asked chase could I go into a local branch to receive the check and chase declined. I asked chase. I called chase several times and they then stated that the check mailed out on XX/XX/2024 instead of XXXX XXXX. Chase said I should wait until XX/XX/XXXX, XXXX to receive the check in the mail and I still did not receive the check in the mail on XX/XX/2024. There are XXXX amounts in which chase states the check amount would be {$1700.00} and {$2400.00}. Chase also closed the kid/teen checking account for debit card ending in XXXX and did not issue a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Lexisnexis XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX GA. XXXX XXXXLexisnexis.com
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
The company is providing inaccurate credit information whereby denying me housing. The company uses several names: Lexisnexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc.  The company also says the information was provided by XXXX XXXX, and XXXX
Product: Student loan

The loan servicer didn't appropriate a timeline for when refunds will be handled, and told me they don't know. And I was giving no updates or tracking info about the refund status. I reached out but no answer.
Product: Credit reporting or other personal consumer reports

There is a collection account reporting to my credit report which lists XXXX XXXX  as the original creditor of the account XXXX XXXX XXXX XXXX. I don't recall opening an account with your company, and there was no correspondence sent to me regarding this account or the sale of this account. Please send me debt validation of the account mentioned. I am also seeking the forward flow agreement as well as original paperwork with my signature for this account. Also please send the correspondence that was mailed to me informing me that this alleged debt was to be sold. Being that I am trying to validate the information you send me, I will not be providing any more information than I already have in order for me to fact check what the alleged collection agency is reporting. Furthermore, I will not accept any correspondence outside of the CFPB portal. I am not interested in anything being mailed to me. I am requesting all documentation to be sent via CFPB so that it is easier to keep record of in case of legal proceeding. If you can not furnish the requested information, I advise you to contact the collection agency and/or credit reporting agencies and have the account removed from my credit report due to FCRA violations. If information is not received within 15 days, I will have no choice but to escalate this to the FTC and further seek my options in small court. Thank you for your help with this matter.
Product: Credit reporting or other personal consumer reports

I reported my missing ID, Social Security card, and birth certificate to the police. I then discovered that someone had placed a fraud alert on my credit profile using a phone number that was not mine. When I filed a report with my credit monitoring service, I started checking my credit reports. When I called Equifax, the agent was happy to assist me. She updated my credit report without asking any questions to verify my identity. After she was finished, she offered to set me up with a Myequifax account for {$19.00}. She claimed to set this up and charged my debit card. I was happy with the service and gave her a good review. However, when I was reviewing my report with Equifax and the other two credit agencies, I discovered that someone else 's phone number was linked to my account. I updated and changed my password, but when I tried to log back in, I was informed that no accounts were found. 

Please be aware my name is XXXX XXXX XXXX The Name they have on my report is XXXX XXXX XXXX XXXX which is incorrect
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Charge-Off Removal from Credit Report Dear Sir/Madam, I am writing to request the removal of a charge-off that is currently listed on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX I acknowledge that this account was charged off due to non-payment, but I would like to provide context and ask for the charge-off to be reconsidered or removed based on the following : 1. Due to a series of unforeseen personal financial difficulties, I fell behind on my obligations. I am now working hard to get back on track and resolve outstanding debts.

2. I am seeking assistance from a certified credit counseling agency to help me manage my debts and improve my financial habits. 
Given that I have or plan to resolve this matter through ( payment, settlement, etc. ), I kindly ask you review and reconsideration of this entry on my credit report. I understand that the charge-off is a serious negative mark, and Im committed to improving my credit standing.

Please let me know what further information or documentation is required to facilitate the removal or adjustment of this charge-off.

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing this letter to dispute the inaccuracies and illegalities in my credit report that have caused significant harm to my credit score and financial well-being. Specifically, I am concerned with the actions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Firstly, XXXX XXXXXXXX XXXX XXXX XXXX XXXX late payment on my account XXXX XXXX  XXXX which is completely false. I have never missed a payment on this account and have always paid on time. This violation of the Fair Credit Reporting Act ( FCRA ) has caused undue harm to my credit score and has the potential to impact my future financial opportunities. 

Secondly, XXXX XXXX has reported my account XXXX XXXX XXXX  as charged off, which is also false. I have made several attempts to rectify the situation with the company, but they have refused to acknowledge my payments and have continued to report the account inaccurately. This violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) has caused significant damage to my credit score and my ability to secure credit in the future. 

Thirdly, XXXX XXXXXXXX XXXX  XXXX XXXX. has reported my account XXXX XXXX XXXX as being in collection, which is also false. I have never received any communication from them regarding a collection account, and they have not provided me with any proof of such a claim. This violation of the FCRA and the Truth in Lending Act ( TILA ) has caused unnecessary harm to my credit score and my financial reputation. 

Lastly, XXXX XXXX XXXX  XXXX XXXX. XXXX has also reported my account XXXX XXXX XXXX  as being in collection, which is completely unfounded. This violation of the Real Estate Settlement Procedures Act ( RESPA ) and the Equal Credit Opportunity Act ( ECOA ) has caused significant damage to my credit score and my financial stability. 

I request that you investigate these inaccuracies and take appropriate action to rectify the violations of the above-mentioned laws. Please provide me with written confirmation of your findings and the actions taken to rectify these violations. 

Thank you for your attention to this matter. 

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

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have viewed my credit report and see that A company by the name of LVNV FUNDING is reporting on my reports A debt owed to A company by the name of XXXX  XXXX. I have never ha any sort of account with XXXX   XXXX nor LVNV funding. I have reached out to both companies sending written letters advising them of this error reporting on my report. I also asked for proof that I owed this debt as I am 100 % sure I have never done business with either company. To dat I have not recieved A response from either company yet this incorrect information is still reporting.
Product: Debt collection

This is the 6th time that I am writing your company about misinformation regarding this rental account. I am disputing the amount quoted. This is incorrect. At the time my eviction, all payments for every month had been made and there is no single month that the complex can prove that rent was NOT paid. The amount being quoted is excessive and an abuse of power and I am seeking legal action. I am demanding a full break down of the charges.totaling the amount you say I must pay. Why is it over {$4000.00}? I have photos on how I left the apartment showing that there were no stains, no paint marks, no broken parts or doors. There was one sofa, less than 50lbs left. Again, all verified by photos.
Product: Mortgage

PennyMac is consistently not paying my taxes on time with the City of XXXX. First half of the tax bill was due XX/XX/2018 and I just received a letter in the mail that this has not been paid. The same thing happened to me last fall as well. I currently have a partial tax exemption for my rehabilitated property and it appears that I may lose this because of PennyMac 's inability to monitor my taxes. What is the point of having an escrow account if I'm getting penalized monetarily by the city? I am curious to know what controls they have in place and who their vendor is because this has been an unbelievably frustrating experience for me, to constantly get these letters from the City. Please pay my taxes on time and make sure you are MONITORING for future payments. I refuse to pay inflated taxes because of PennyMac 's deficiencies in their internal processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account with XXXX XXXX/XXXX   account number XXXX this account was paid in full some how the update did not take place with XXXX Credit Reporting this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score
Product: Checking or savings account

On XX/XX/21 I made an ATM deposit at my local bank that I have an account through. This was a personal check totaling {$3100.00}. On XX/XX/21 the check showed AVAILABLE in my account ( not pending ) then about an hour later the positive amount disappeared from my transaction history and was replaced with a XXXX charge. The bank originally said the funds would be available later in the day on XX/XX/21. When they weren't available the bank stated that the funds were on a hold and would be available on XX/XX/21. The bank could not or would not explain where the transaction of XXXX came from or why it is pending in the account. On XX/XX/21 the positive addition of XXXX showed up, but the XXXX is still showing and again the supervisor avoided answering why this charge was on my account. The only description for this charge is " Standard '' there is no debit card or check linked to this charge. Now the bank is saying the funds won't be available until tomorrow XX/XX/21. 
I want an answer as to why they took XXXX and where that money is. This has caused {$800.00} in overdrafts in my account due to the mysterious charge.