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

XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to you in exercise of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX XXXX. XXXX, to dispute the accuracy of an item on my credit report, specifically a XXXX entry. 

Excerpt from the XXXX : XXXX U.S.C. XXXX As stated in the law : ( a ) Reinvestigation of disputed information by consumer reporting agency. 
If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

This provision clearly requires credit reporting agencies to verify the accuracy of reported information and to correct or delete any information that can not be verified within 30 days of receiving the dispute notice from the consumer. 

Therefore, I respectfully request that this XXXX entry be verified with the reporting entity. If it can not be confirmed as accurate and complete, it should be promptly removed from my credit history. 

I have attached a copy of my identification and my credit report for your reference. I kindly request a written confirmation of the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with legal requirements. 

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

Dear Sir/Madam, I am writing to dispute the accuracy of certain information on my credit report. Upon reviewing my credit report, I have noticed that there is personal information that is inaccurate or outdated. The details that need to be corrected are as follows : 1. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Correct Name : XXXX XXXX XXXX I have attached copies of documents such as my drivers license, utility bills, or any other relevant documents that verify the accuracy of the information provided. I request that you investigate these discrepancies and update my credit report accordingly. 
Please note that accurate personal information is crucial for maintaining the integrity of credit reports and ensuring fair assessment by lenders and creditors. 
I kindly request that you investigate this matter and update my credit report within the timeframe required by law. Your prompt attention to this matter is greatly appreciated. 
Thank you for your cooperation and assistance in resolving this matter.
Product: Vehicle loan or lease

This car had me stranded on the highway the hood flew up on me and this company didnt do anything about it. I gave the car back because it was dangerous for my daughter and I. This is reported on my credit report and I want it taken off asap.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Against Experian Regarding XXXX XXXX XXXX Subject : Inaccurate Reporting by Experian XXXX XXXX XXXX XXXX  Account Introduction : This complaint is being filed against Experian for failing to ensure the accuracy of information reported by XXXX XXXX XXXX. XXXX XXXX has failed to provide proper debt validation, proof of licensing in Illinois, and documentation to support their collection efforts. Experians continued reporting of this inaccurate information violates the Fair Credit Reporting Act ( FCRA ). 

Summary of Violations : 1. XXXX XXXX XXXX is not licensed to collect debts in Illinois. 
Despite this, Experian continues to report their collection account. 
2. XXXX XXXX has failed to validate the debt properly under the Fair Debt Collection Practices Act ( FDCPA ). 
3. The contract provided by XXXX XXXX shows it is governed by XXXX law and California jurisdiction, raising further questions about the legality of their collection efforts in Illinois. 
4. Experian has not conducted a proper investigation to verify the accuracy of the information being reported, as required under the FCRA.
Product: Mortgage

I XXXX XXXX primary residence at XXXX XXXX XXXX XXXX XXXX, Illinois XXXX have lived her for 47 years. I inherited my property from my mom. The house went in your name in XXXX and had modification done in XXXX or XXXX. My mortgage payment including taxes and insurance was {$1200.00}. I was attacked by a XXXX student were I was working as a XXXX for XXXX XXXX XXXX. I had to go out on long term XXXX because of the attack and being diagnosed with XXXX, You notified my mortgage company for the loss of income. In XXXX I was diagnosed with XXXX. In XXXX taxes were due and the mortgage company fail to pay my real estate taxes and insurance. My taxes went up for sale and was purchased for {$10000.00} and the tax buyer now wants me to pay {$90000.00} for my home that is acquiring possession on XXXX XXXX. The mortgage company said they did not get any notice. However, my mortgage company had a responsibility to pay my taxes and fail to do so. I have a court date tomorrow and the mortgage company to be present to defend themselves of no notice to pay the outstanding taxes back to the tax buyer of {$10000.00} to avoid me loosing my home and paying {$90000.00} to buy my home back. 
I am trying to get a mortgage to purchase my home but need time. However, I could apply for another modification and avoid credit issue and start back paying my mortgage again now that I am now gainfully employed again and have been for a year now as a XXXX for a XXXX XXXX. I feel I am a target of mortgage fraud of loosing my home and have not being treated fairly. I have tried to work with the mortgage company and have not got any assistance. I got a letter from for tax buyer representing their title Mortgage Broker and Auctioneer. The company name is XXXX XXXX XXXX. Its very strange to me the lender did not pay my taxes when they was suppose to have paid them from my escrow account regardless of me being behind in my mortgage payments and my mortgage is still of record and has not been released and the foreclosure was dropped. I was denied a new modification program to reduce my payments when I became ill. Please assist
Product: Money transfer, virtual currency, or money service

I tried using an electronic service to transfer funds. The transfers were unsuccessful. No explanation why was provided. Based on the information it appears the card number used is incorrect. At the time of entry, I was not made aware of any issue. I was informed that the transactions had not been executed. I subsequently received a letter from the service that they are required to pay these charges to the party that I was trying to send them to. I have not been able to confirm if they actually paid these charges and I can confirm I did not receive them in my account. 

I disputed the charges but received no explanation or information on why the transaction were initially processed then rejected but never completed. 

The disputed charges were sold to a collection agency. The collection agency is trying to collect without any knowledge of the original charges or any explanation of the original transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amounts -Past-due amount -Account status -Charge-off amount The specific account ( s ) in question are as follows : XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX XXXXXXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Mortgage

I signed for a VA loan for a house and purchased a home on  XXXX    XXXX . My monthly payments were {$960.00} which also covered the escrow annually. Within two years I received a letter from Chase Banks stating they are now owners of my mortgage account and they will be receiving my m onthly payments. Within months, I received a letter from Chase stating my monthly mortgage will now be {$1000.00}. I called Chase and asked why which they said because my property tax has gone up and  XXXX  was not covering the additional taxes. I called  XXXX  and they said the taxes had gone up but very little.  XXXX  also said they p aid Chase the correct amount every six mont hs and would like to set up a conference call with them to discuss any issues. The conference call was made while at the Chase Bank office and the monthly payments went back to normal. The problem occurred again within a year and my payments went up to {$990.00}. I ca lled Chase again  informing them to stop raising my mortgage payments which they said property taxes are up again then sent me letters showing the tax height. On  XXXX   XXXX , I received another letter from  Chase stating  a monthly mortgage increase of {$1000.00} will be submitted. I called them as usual with the same request. I checked my account today and discovered the mortgage payment remained the same of {$990.00}. I have a VA deductible of {$4000.00} and a {$2000.00} deductible from New Mexico with both cover property taxes and should n't be reason to raise my mortgage taxes nor my monthly taxes and the only reason they have is for their gain and unlawful greed. I want this to stop because their actions are causing lots of unnecessary stress to me and my f amily. Case has  not offered any lower interest rates under the  XXXX   Administration memorandum, they only raise mortgage rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only credit card I have that has accurant information is XXXX. The rest of the cards are inaccurate. I spent about {$300.00} on the XXXX card and realized somebody used my information and max it out. I got a strange text regarding this matter a while back but never really thought about it until they informed us of many accounts getting scammed. I recently was able to get XXXX removed from my equifax and need it removed from XXXX and XXXX ASAP. There was a previous address from XXXX XXXX that was on my credit report then my XXXX account got hacked and used my identity. I'm a young mother and this has damaged my life and my credit score ALOT. My XXXX  account mention that my personal information is at risked as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX year of XXXX i received notice that a change to my credit score has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a XXXX pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the fact that it just increased XXXX points back in XXXX. XXXX  XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my credit score because of the investigations I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low decreasing my score that much which is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing? I want answers and i want my score returned to a good state immediately! 

An account has been open on my profile from the XXXX XXXX-XXXX, the date that is was open is XX/XX/XXXX. Given that i was not born in that year this account is fraudulent and extremely incorrect. Please have this removed immediately and restore my credit score to a XX/XX/XXXX standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage that was fully paid off on XX/XX/XXXX. My mortgage was transferred from The XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The mortgage at that time was already fully paid off. In XXXX I had made multiple mortgage payments so that my mortgage was paid through XXXX of XXXX. XXXX XXXX has now reported me 60 days late on a paid off mortgage even though they are stating that the transfer is still in transit and they don't have all the information from The XXXX XXXX. They have made my credit score drop over 100 points on my credit when the transfer of information is still not complete. The same has happened to the co-borrower on this loan and they told us we have to wait 60 days for the transfer of information from XX/XX/XXXX to be complete and then they will fix any errors on credit. They should not be reporting people late on mortgage or any other information on a mortgage when a transfer has not been completed and they do not have accurate information on their end. I am not able to obtain any financing on a loan now because of they reporting incorrect and fraudulent information on my credit report. They stated to me that they have a problem with this for most of their customers, so their internal issues and mess are now negatively impacting my lift and my credit score.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 XXXX 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, credit repair services, or other personal consumer reports

I contacted ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the contract..however I did not give any written instruction nor did I authorize these unauthorized inquiries onto my consumer report. Attached to this complaint will be my FTC REPORT SHOWING THAT THESE ARE FRAUDULENT INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Bank Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Requesting Validation of a debt that has just currently been added to my credit report. Reporting inaccurate information is a violation of my consumer rights. This company is not in compliance with the FDPCA and they are violating my right to privacy.
Product: Credit card

Dear Sir/Madam, On XX/XX/2016 I made a purchase at Lord & Taylor ( L & T ) for {$290.00}. They offered a discount opening a credit card with Capital One ( CO ), which I did. That same day I paid the full amount owed. CO sent me a bill for the {$290.00} in XX/XX/XXXX. I contested, providing poof that the amount was paid in full ( bank statement ). I received a CO letter indicating they received my information and were investigating, and that no late fees, or financial charges will apply. This followed approximately 22 calls made/received to CO. They continued sending bills for the amount paid, adding late fees and started harassing calls that they were sending me to collection unless I pay the amount again. Their billing process and customer service do n't speak to each other and they are not following up with the investigation, which should have been pretty simple as proof of payment at the store was provided. It 's been approximately 120 days fromt the purchase and 90 days from my complaint to CO with no results. 
After almost two dozen phone calls and hours spent, it 's very clear that Capital One practices are deceiving and purposedly designed to by time consuming. Their customer service and billing department do n't speak to each other : the former sent a letter stating no late fees or billing will apply while in dispute, the later keeps billing me, calling me and makes threats to send me to collection if 'not ready to pay today '. 
The process seems designed to prey on individuals without the time, copies of receipts, or the money to make dozen phone calls and send copies of the receipts. I was fortunately able to do all that and still they keep harassing me.
Product: Debt collection

Georgia Crime Victims had took care of this bill. I was XXXX by XXXX people on XXXX property on XXXX XXXX, 2013. I was treated for my injuries and this program covered all medical expenses through there program. I had related to them that they need to use my claim number to find check number associated to payment that was issued. I do not owe or believe that I am responsible for this balance. These allegations are fraudulent.
Product: Checking or savings account

I contacted XXXX XXXX for filling bankruptcy. After the initial phone call back in XX/XX/XXXX I agreed to accept XXXX XXXX services. After I paid off my initial fees of {$1900.00} in XXXX of XXXX. I was explained I would be contacted my a bankruptcy attorney shortly. After around one month I was contacted by an attorney and we went over my debt and income. After about 2 months, my attorney then explained to me I did not qualify for chapter XXXX. This was after XXXX XXXX explained I did qualify and for me to start making payments.The attorney explained there was not anything she could do and to give XXXX XXXX a phone call. After speaking with XXXX XXXX on XX/XX/XXXX, I was explained not much could be done and I can can ask for a refund. I went ahead and asked for a refund and was explained I would get a full refund in around 30-45 business days. I have not received any refund. I have called, emailed, and text chatted through out the 30-45 days tracking my refund and was explained all should be okay that my refund was in billing to be mailed out. I called on XX/XX/XXXX requiring about my refund and the individual explained I was looking at another 20 days beyond the 30-45 days given. I asked to speak to a manager and was transferred to n individual who could care less what I had to say. The manager explained there was a back log in the billing department and I was now looking at an extra 30 days for any refund. For someone filing bankruptcy, {$1900.00} dollars is a lot of money at this time and given false information each time I call is frustrating and worrisome. I seeking extra help at this time to get my refund back and to close this ordeal with XXXX XXXX. 
Date fo withdraws : XX/XX/XXXX - {$60.00} XX/XX/XXXX - XXXX from XX/XX/XXXX to XX/XX/XXXX every two weeks, XXXX XXXX was deducting {$150.00} every two weeks, {$300.00} a month. 
Last withdrawal was o XX/XX/XXXX - {$120.00}