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

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if Target account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 

Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX report is showing three accounts with Bank of America - 2 closed and 1 appears to still be open. These are not my accounts. Attempts were made to contact Bank of America to report that the inaccuracy needs to be deleted. Unsuccessful attempts were made to these BofA phone numbers : ( XXXX ) XXXX & ( XXXX ) XXXX and I was unable to locate the appropriate address via an online search. In a XXXX Chat with BofA, I attempted to get the address so as to write and have the inaccurate information deleted but was informed that I must contact XXXX directly. Since BofA is a part owner of XXXX Im uncomfortable further trying to resolve this via XXXX and seek the help of CFPB.
Product: Credit card

XXXX Received a message this morning from chase indicating chase freedom credit card pmt is late ;. Im thinking not possible bc I know I had auto pay set up to come out on the XXXX for XXXX in which was debited that day from my chase ckg act- and showed the same balance of XXXX in which made no sense to me and I thought maybe show up tomorrow to update. I got a call this morning XXXX something from someone from chase from an unidentified number XXXX XXXX, he asked for a XXXX XXXX XXXX, I said who is this? He says Chase. I said I have no idea who you are, how do I know if this is truly chase? He speaks broken English and expects me to confirm and verify my personal information ... .is this a joke? I said this is XXXX XXXX not XXXX XXXX XXXX. He says you delinquent on your act, I said if u think you can resolve this in 4 min or call me back at XXXX cst, bc i WAS WORKING. he said Ill call back. Well he didnt call back, I called chase freedom at XXXX and spoke with a XXXX  and could barely understand her broken English as well, while she's accusing me of non pay and threats of collection act for a XXXX payment that they misapplied or failed auto pay is their fault as the XXXX was in my account, she claims the XXXX was coming out of a closed act and I need to fix this,,, this is Chases fault and they need to fit it, first of all its an auto pay from my Chase ckg, so if they're debiting XXXX from an old act they need to correct it, I cant do it and to threaten me to collection and close act is unfair, first of all I opened this act XXXX yrs ago and NEVER 1 late pmt and because they cant fix these issues on their side is not my fault, I have spent hours trying to resolve this including last mon the same issue-with their foreign cust reps they dont understand up from down, its frustrating and wasting my valuable time as this is unacceptable and unfair treatment. How many times do i have to call to resolve and its disregarded and noted incorrectly, the threats are the worst as if they never received a late pay and treat me like Im some criminal from the fraud dept- when its the staffs incompetence and unprofessionalism, but placing my act in collections. As u can see the act shows current but verbally delinquent. The funds were in my act on the due date as I can not stop the auto pay if I want to, I couldn't even go thru the system to make a manual pmt early bc Chase had it set up that way. I m sick and tired of the threats and the false abuse of a delinquent or non pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX * Account Status : Collection/Charge-Off * Balance : {$1100.00} * Past Due Amount : {$1100.00} * Date Last Active : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) * Last XXXX Date : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) * Comments XXXX Charged off as bad debt / Profit and loss write-off 2. XXXX XXXXXXXX XXXX  * Account Type : Credit Card * Date Opened : XX/XX/XXXX * Status : Charged Off {$570.00} written off, {$570.00} past due * Balance : {$570.00} * Credit Limit : {$300.00}
Product: Debt collection

I called the company, Meade & Associates to let them know that I am not the " XXXX XXXX ' who incurred a debt of {$200.00}. with XXXX XXXX XXXX XXXX in XXXX, Michigan. Indeed, I have never been to XXXX, Michigan in all my life. However, for some strange reason, the XXXX agent to whom I was speaking did not seem to care even when I informed her that I have been in XXXX, Texas during the time the person with a similar name was receiving medical care in XXXX. The agent eventually hang up the phone on me.
Product: Checking or savings account

Reached out to capital one XXXX in regards to failure of deposit to post. I was informed they were working hard to get it back up and running later that day or Friday morning. As we roll into Friday XX/XX/year>, still no update or information in regarded to my deposit. This has put me at a financial disadvantage because I have bills to pay for and I currently dont have access to my money or my account
Product: Checking or savings account

I opened a Capital One checking account, and my account was unexpectedly frozen. I was instructed to verify my identity, which I did in person at the bank over a month ago. After verifying all my documents, I was told to wait. Ive since followed up multiple times, both in person and over the phone, and was repeatedly told to wait, with no resolution. 

Today, I was informed again that I need to wait further. This process has been unreasonably time-consuming, and all of my documents, including my phone number, have been verified. I asked how much longer I have to wait, and the representative could not provide an answer. 

I am requesting to close the account and have my money returned, but I was told I would have to wait even for that. It is unreasonable to expect me to keep calling for updates. You should be contacting me with the resolution, not the other way around. This situation is unacceptable, and I believe it is a violation of the agreement and my rights as a customer. I demand a prompt resolution to this issue.
Product: Student loan

My student loan was originally held by NAVIENT which was corrupt and misapplied my payments so that even though I payed {$12000.00} of a {$16000.00} loan, none of the individual loans were ever paid off. 
Navient has subsequently been disolved for fraud and my loan sold to another provider. The new provider wants the entire balance. I did not recieve any relief from the Navient lawsuit. 
After this I reached out to the Department of Education for debt forgiveness, and they connected me with another group. I made scheduled payments to Dept of Education in the amount of {$2000.00} and was told my student debt was forgiven. 
Now I am once again recieving emails from Dept. of Education looking for more money. 
I have all details of the aforementioned and would like to find legitimate relief. 

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

I have several inquires dated back to XX/XX/XXXX from a company called XXXX/ for XXXX , XXXX , XXXX and various other companies I had my identity stolen a year ago and I didnt authorize these inquires. Ive wrote the credit bureaus and the actually companies and they failed to take them off my credit report. I also have two accounts from XXXX XXXX XXXX  for XX/XX/XXXX and XX/XX/XXXX that are fraudulent that I have went back and forth with both the credit bureaus and the actually company and nothing has been done. I have a police report on file as well and they still have yet to fix these errors
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE THESE INQUIRES. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX OnXX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will be forced to file for litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried for month to get my credit report corrected through equafax. Unlike some of the smaller credit more effecent reporting agencey make it more customer service friendly they do not on my credit report the other agenency are showing a credit score of XXXX and equafax is showing XXXX how can the cfpb allow a company like this get away with possibly ruining a person life because of a faulty report. A company that has been in business as long as they have should have a check and balance system in place to detect such errors immediately. But instead they are allowed to run a muck. Here are some reports that were filed with other agencies with no problems and my report was updated in a few weeks. XXXX,
Product: Vehicle loan or lease

Toyota Financial has refused to hold their end of the contract and issue a title release or even credit the account closed. 

I called the middle of XXXX notifying them I needed an address to send a certified check, the gentleman who helped was very nice and provided an address to deliver the money to. 

Toyota received the monies for the account on XX/XX/2018. Again this was a certified check from XXXX XXXX  and included a master billing statement stating where the money was to be applied and the vehicle paid in full. I was expecting the account to be credited the following Wednesday since Monday was a holiday. That never happened. 

I called Toyota on that Friday and they stated they had a " short week ''. As I am typing this I am on hold with them expecting to talk to a manager as promised about getting the title sent out ( notifying the DMV ). 

Toyota has many problems with this same situation. I believe an attorney with adequate knowledge would find that a class action lawsuit against Toyota would end these criminal practices.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have formally disputed inaccurate information and it was re-investigated by XXXX Experian and XXXX with account number XXXX, XXXX and account number XXXX XXXX also account number XXXX XXXX XXXX XXXX and as a result from those disputes the company falsely claim that accounts was verified I received a message from the CFPB with this information as response from company I have provided proof and is asking that these illegally accounts be removed and deleted from my credit profile immediately as it is in violation of the fair credit act it is inaccurate and has effective my credit worthiness please follow the rules and delete this in accurate account
Product: Vehicle loan or lease

I was a co-signor on my son 's lease on a XXXX XXXX XXXX XXXX that concluded and the car returned to XXXX around XXXX, XXXX with all payments made. I was not aware of an outstanding balance related to excess mileage until I saw it on my credit report, at which time I immediately paid the balance in early XXXX. In questioning XXXX XXXX customer service as to why I never received any notice about this outstanding balance, they informed me that they notified my son and since he lived a the same address, they considered me notified too. Just because XXXX adults live at the same address does not mean they are aware of each others mail. As I have had perfect credit my entire life, the charge-off entry on my credit report has had a disastrous effect on my XXXX XXXX, resulting in lowering of credit lines and rejections on basic credit applications. I have leased XXXX XXXX vehicles through XXXX XXXX in the past 15 years with no derogatory credit items, and for that matter I have never had a derogatory item on my credit reports. The attached letter is XXXX I am sending tomorrow as a follow up to the XXXX other letters and XXXX faxes sent previously with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Looking Through My Credit Report and I Noticed ... XXXX Reporting an UnAuthorized Inquiry On My Credit Report From " XXXX XXXX XXXX. AND XXXX XXXX Partial Acct # XXXX I did not Give Written Permission To Experian To Furnish any Inquiry on MY Credit Report... This is a Violation of the Credit Reporting Act Section 1681 ( c ) Which Constitutes as Fraudulent Activity and is Also a Serious Breach of My Privacy Rights. 

I want EXPERIAN to provide me with Copies Bearing my Signature of any Documentation I sign Giving them Permission to Furnish anything on My Credit Report. 

In The Absence of Any Such Documents bearing my Signature, I formally Request that those Fraudulent Inquiries Be DELETED Immediately. 

You have 30 days to produce the Requested Contract and to Complete this Investigation as per The Fair Credit Reporting Act Section 611
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint regarding inaccuracies in my credit report with the three major credit bureaus. Despite my efforts to resolve these matters directly with the respective creditors, the inaccuracies persist. 

Please find the details of my disputes below, along with the resolution I am seeking for each account : XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account is reporting a late payment for a period when the account was in deferment. I was not responsible for this late payment as the company assured me that the payment status would be updated to " paid on time '' due to their error. This correction has not been made. 
Resolution Requested : Please update the payment status to " paid on time. '' XXXX ( XXXX XXXX : XXXX XXXX ) Dispute Reason : I have no knowledge of any collection account with this company. The original creditor, XXXX XXXX, was paid in full prior to any collection activity. Therefore, this collection account should not appear on my credit report. 
Resolution Requested : Please delete this account from my credit report. 
XXXX XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account has been reporting inaccurately and I have disputed it multiple times. The balance continues to increase monthly, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) as collections are not supposed to incur additional fees. Furthermore, no proper verification documentation has been provided by this company or the credit bureaus. 
Resolution Requested : Please delete this account from my credit report. 
I have attached copies of my identification and Power of Attorney ( POA ) for verification purposes. Your assistance in resolving these matters promptly would be greatly appreciated. Please confirm receipt of this complaint and provide me with an update on the actions taken to correct these inaccuracies. 

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit card

i applied for Bank of America Business credit card on XX/XX/ and was denied ( application XXXX XXXX XXXX regardless of reason fo being denied, i have the right to credit. withholding my securities is securities fraud, according the the Equal Credit Opportunity Act and the Consumer Credit Protection Act i have been discriminated against. bank of america is violating this acts along with title 12 usc 1431. i previous complaint was closed as resolved when no action was taken i retracting my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these items, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

: XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$57000.00} ; XXXX XXXX  XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report are errors. I ask for their removal under 15 USC 1681c-2 guidelines.
Product: Payday loan, title loan, personal loan, or advance loan

I received an installment loan through Sezzle. I made all payments in a timely manner. I did not use any of the proceeds of the installment loan to purchase anything illegal, immoral, fraudulent, etc. Depsite this, I received an email terminating my account for a violation of the terms of service. When I asked for what term of service was violated, I was refused an explanation ( per XXXX in Customer Service via email of XX/XX/year> ).
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian explaining : - The loan balance is incorrect and the loan duration -I provided Experian with my previous consumer finance complaint in which XXXX XXXX admitted they were behind in updating the credit bureaus. 
-My report has not been updated since XX/XX/year> with the correct information. 

I am only asking what is outlined as a right as a consumer per the Fair Credit Reporting Act my report must contain correct accurate information. This account listing incorrect information is affecting my consideration for other credit products. 

Experian personnel explicitly ignored the previous documentation I provided outlining my information was incorrect for this account. They failed to complete their own investigation and checked a box and moved the file along. 

Experian dispute results provided to me today stated they have confirmed the information on my report is accurate and that is false.
Product: Mortgage

We bought our home on XX/XX/XXXX. We had intentions of repainting the home as well as some other needed updates before we could move in. On XX/XX/XXXX XXXX XXXX caused severe damages to our home preventing us from moving in on the date we had intended to which was XX/XX/XXXX. The dates leading up to this, we were renting a condo for the past XXXX plus months. We paid our rent for the XXXX of XXXX so we could move out and also help the landlord find a replacement. That being said, after XXXX we didnt expect to have to keep paying rent as we were to be moved into our new home. We had an agreement with the condo that we continue to live in and rent from on a month to month basis till our new home has been deemed-livable. So our situation was having mortgage with XXXX fees plus paying to rent till our home is completed. With this situation we are also stuck with multiple bills to pay as well. we are finding it nearly impossible to pay for all this. That being said we filed for loss mitigation and paid our rent so my children had a roof over their heads and able to still go to their school. We moved into our home finally mid XXXX of XXXX where once we moved in we have paid our mortgage for the last XXXX months, while this is being resolved. Since XXXX it has been difficult to get the process resolved and our biggest concern is how much this has effected our credit scores. My wife and I have had a decrease in credit of over 300 points. Mostly from dovenmule saying we are missing the payments. On top of that we have had person come to our home and take pictures of place and questioned me as well. We have been through so much with the hurricane now being harassed and made to fell like we have done something wrong.