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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Re : Dispute of Late Payment Inquiries on Credit Report for Account # : XXXX Dear XXXX XXXX  Representative, I am writing to formally dispute the reporting of late payment inquiries on my credit report concerning the above-referenced account. These inaccuracies have unjustly affected my credit score, and I am requesting their immediate correction in compliance with federal regulations. 

Upon reviewing my credit report, I discovered late payment inquiries associated with this account that are incorrect. These errors stem from a billing issue, as my payments were never late. I request that you promptly investigate and remove these inaccuracies to restore the integrity of my credit report. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., requires all credit reporting agencies ( CRAs ) and furnishers of information to ensure the accuracy and completeness of reported information. Specifically : 15 U.S.C. 1681e ( b ) : Mandates that information furnishers like your entity ensure the accuracy of data provided to CRAs.

15 U.S.C. 1681i ( a ) ( 1 ) : Requires a thorough investigation of disputes and the removal of inaccuracies within 30 days.

15 U.S.C. 1681c ( a ) ( 5 ) : Stipulates the removal of adverse information that predates the seven-year threshold.

These late payment inquiries are inaccurate and damaging. Therefore, I respectfully request their removal from my credit report. Please confirm in writing that these inaccuracies have been corrected within 10 days of your receipt of this letter.

Failure to resolve this dispute may result in further actions, including monitoring my credit report and seeking legal remedies under the FCRA.

Thank you for your prompt attention to this matter. I trust that you will address this dispute in a manner that complies with the FCRA and protects the integrity of my credit report. 

Sincerely, XXXX XXXX XXXX Statutes Cited : 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) 15 U.S.C. 1681e ( b ) ( Duty to ensure accuracy and completeness ) 15 U.S.C. 1681i ( a ) ( 1 ) ( Procedure for disputed accuracy ) 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) 15 U.S.C. 1681c ( a ) ( 5 ) ( Requirements for removing outdated information )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 an account without my written instructions
Product: Student loan

I have over XXXX in student loans. I applied for the federal loan forgiveness program as I work at a non for profit hospital. Fed Loan Servicing is who I have been working with. They informed me that I had to consolidate my loans in order to get approved for the program ; which they did. I paid my affordable payment religiously for over a year. I was notified that my payment was going from XXXX to XXXX all of a sudden because they said someone caught a mistake that was made in my consolidation that could not be reversed. They stated that the parent plus loans I received for my son were included in the consolidation and disqualified me from being able to have my discounted payment. Now someone who was paying on time every single month working towards the goal of loan forgiveness can now not pay a dime. Everyone loses. My husband passed in 2014 and I am a single income home now. A payment that large is nearly all of one of the only two checks I receive a month. All this over someone 's XXXX up that had nothing to do with me..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX notified me of suspicious activity on my credit report. An unauthorized person applied for credit in my name without my knowledge. Because I am a victim of identity theft and fraud a fraud alert was placed on my credit report for 5 years. It is still active!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX  XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX  XXXX {$670.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/year> there was a withdrawal of {$3200.00} on my account that I didnt even withdraw and I called the BofA customers claims department and filed a claim about it, they said they will still investigate the claim. They have not even gave me a provisional credit because I have an emergency today and I needed that money back! Customer Service also is not even that friendly on approaching me!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a text from XXXX XXXX XXXX # XXXX ( which he did not provide and I had to look up ) XXXX XXXX 2020. XXXX informed me I likely could refinance to help me in these very troubled times. I agreed that I would take any help I could get. he said he would pull my credit and look at options and call me as soon as he had an answer. He pulled a hard credit report and I never heard from him again. I sent a follow up text asking what he found out with no response. XXXX weeks later he said there is no excuse for him not contacting me, but provided no information on my qualification status or if anything could be done. 

It is clear I did not qualify and he could not sell me anything, so he had no reason to contact me. this is incredibly unprofessional. Certainly after I informed him of all my financial status prior to him pulling my credit. You are required by law to speak with any customer you pull a report from. thanks to XXXX and Loan Depot I now have another hard pull on my credit for absolutely no reason. 

this is no way to treat any customer, certainly not a XXXX veteran on none other than XXXX XXXX.
Product: Credit card or prepaid card

In XXXX of XXXX, I contacted Discover Bank to inform them I would be unable to make a payment because I was forced to leave my home during the Texas Snowstorm. Also at this time, I gave Discover my new banking information, as I was using XXXX XXXX, and they had seperated from XXXX and gone to their own operating system. I informed the collections agent that I would be paying during the month of XXXX when I was able to do so, as I had missed a week of work and was not going to be payed by my job during the week of the storm. In XX/XX/XXXX a payment was made using the XXXX XXXX  account in the amount of XXXX dollars, which was processed correctly. In XX/XX/XXXX, I contacted Discover to ask an unrelated question. I was encouraged to sign up for XXXX XXXX  and was told not to worry and all my payments would be processed automatlically. I expressed my concern to the agent that any post dated check payments would not be processed, as XXXX does not issue checks and does not except check debits from outside sources. I accepted the agents offer based on her assurances everything would be processed correctly, and made a payment in the amount of XXXX using a post dated check system, rather than an ACH. My payment of XXXX payment was returned a week later, and I called to make a replacement payment using the same banking information. The agent assured me this payment would be processed using the ACH method, and was processed correctly on XX/XX/XXXX. On XX/XX/XXXX, I contacted Discover to make a XXXX dollar payment to my account, and explained the necessity to process the payment as an ACH and not a post dated check. She stated she was processing my check as an ACH. On XX/XX/XXXX, my payment returned. I was told this payment was processed as a post dated check, even though I had asked Discover not to. On XX/XX/XXXX, I attempted to process another XXXX payment. I was told this was returned on XX/XX/XXXX. It is unclear why this payment was returned, and was advised by Discover that I should contact my bank. My bank is unaware of any payments made and stated that they could track a payment using a trace ID number. Discover is unwilling to give me the Trace ID number and has stated that any payments returned will be reported to my credit, and is unwilling to work with me.
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my credit report that I didnt recognize. Disputed with XXXX as well as Discover. Inquiry is being reviewed by XXXX and Discover is in the process of canceling the inquiry as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed a Method of Validation letter to Transunion, exercising my rights as under the FCRA. In my letter I demanded to know specifics of how this bureau arrived at the conclusion that the alleged accounts were verified and therefore listed on my report as accurate. As XXXX XXXX XXXX states, verified means Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. There has been no evidence that this has been followed in any matter. The credit bureau can SAY something has been verified but that does not mean any procedure was followed in ensuring that verification took place. 
It is my understanding that the credit bureaus routinely use a Consumer Dispute Verification Form in attesting to the accuracy of any alleged accounts. Anyone can SAY they obtained verification for one of these forms without checking into the accuracy of the alleged account. I asked who did they speak with at these companies that verified the information so in order to know whether they were qualified to even verify and also what documentation was used to verify. 
In accordance with my rights, I sent a letter to Transunion stating that they have not responded in a timely manner and therefore are to delete the following accounts : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX I am sending this message to the CFPB to monitor and ensure action is taken to satisfactorily resolve this matter.
Product: Credit card or prepaid card

discover is taking an unreasonable amount of time with a balance transfer. The im trying to transfer a balance of XXXX but nothing is happening and I have no idea why its taking so long.the first one was started XX/XX/XXXX but i closed it and started a new one.
Product: Debt collection

I'm XXXX XXXX, natural person received a collection letter dated XX/XX/2022 from Healthcare Revenue Recovery Group stating I owe a debt of {$180.00} and {$85.00}.

I do not know who Healthcare Revenue Recovery Group is or how they got my private information. They violated my privacy rights and did not have my prior consent to contact me about a debt pursuant to 15 usc 1692c ( a ). They are violating my consumer rights pursuant to Fair Debt Collection Practices Act 15 usc 1692. I disputed this letter on XX/XX/2022. They caused me to be stressed out. I haven't heard anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Portfolio recovery associates LLC Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
I have attached a copy of the final payment letter and from what is written they sure they will remove it from my credit report and never did.
Product: Credit card

I had a XXXX XXXX  membership while I was staying at XXXX XXXX, XXXX  with my son. I canceled my membership when I moved back to XXXX  ( Costco is nearby ). 

XXXX sent me a credit card with Capital One that I never activated since I was moving and no longer had a membership. 

In XX/XX/XXXX  I received an email from Capital One that I had an outstanding bill. I drove to XXXX and then informed me that I had to contact Capital One. On XX/XX/XXXX, I finally got to the bottom of this, XXXX  inadvertently billed me for a membership on that card. They finally refunded the membership in XXXX reference number XXXX. 

Capital One said they received the {$55.00} but I owe fees of {$110.00}. I told them this was not my fault. They dont seem to care. 

Can you help me? 

XXXX XXXX
Product: Debt collection

In my two previous complaints I requested Cooling & Winter for some specific items and I was never provided with them nor was my request in those request were not responded to. 

I asked for contract with my signature on it and I was only provided with statements and a Bill of sale. That is not a complete validation of the alleged debt which is in violation of the FDPA. 

I also requested for all debt collection attempts cease and the lawsuit be dismissed against me and you guys failed to respond to that request. I am only being offered to discuss a payment plan. 

I am a recent XXXX XXXX and I am currently unemployed with no income coming in at this time which will not meet any requirements for a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XX/XX/XXXX/XX/XX/XXXXXXXX
Product: Debt collection

Sent first dispute letter XX/XX/2024, no response from companXXXX XXXX XXXX XXXX XXXX XXXX  Sent follow up dispute letter to company XXXX XXXX XXXX XXXX XXXX on XX/XX/2024 Reporting same debt twice on credit report
Product: Credit card

Capital one was contacted serval times via mail and by email to the CEO. This credit card company is in violation of the law. Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL subject to subsection. ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 18B1 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly.

( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s-3 of this tile, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They have failed to respond or continue the process of deletion. Proof of letter has been attached. This was also reported to the better business bureau.
Product: Debt collection

Ive been contacting National Credit Systems about them saying that I owe money for a place that I do not live at. Ive asked them for a copy of the lease, and information about what I owe. They just say I have to pay the debt. They will not give me any information about what is going on with the debt. Ive been asking for proof, copy of lease, copy of utilities something saying that I supposed lived there. Ive been trying to find answers from them n keep getting the run around. I had to call them to even find out what was going on with this debt. They are rude n hang up on people too. Say I owe {$470.00} XXXX apartments at XXXX. 
I contacted them. They never contacted me about this. 
2019 I need proof. Thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 student loan account with XXXX XXXX  about 4 student loans that are on my credit report. The loans reports the same address with different loan numbers and phone numbers but same mailing address. Account that I want deleted has the same mailing address a XXXX XXXX as the accounts that are valid. The accounts that are duplicated are set to move off my credit profile onXX/XX/XXXX. I want them removed now because of the duplicate address. How can a company sell or transfer 2 student loans to another company sharing the same XXXX XXXX . My XXXX has one 2 student loans not 4 and my XXXX has 4 student loans not 2. They must be affiliated in one way or another and should not be reporting twice effectively lowering my credit score. At this point I am demanding that the 2 student loans be removed from my credit profile for both Transunion and XXXX   ONLY. The account numbers are loan # 1 XXXX Account # 2 XXXX.
Product: Debt collection

i used to have a checking account number ending in XXXX i want to pay the negative balance but the bank refuse to take money the bank employee they have order from excutive not to keep the bank account open, two of XXXX bank employee successfully closed the account pursuade two federal XXXX govt offical who told the bank to close the account to punish me they have big the main federal govt offical who is XXXX in XXXX and one in other state through out the investigation the real story will come out
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my mother made an international transfer from XXXX XXXX XXXX to my account at XXXX Bank. I didn't know that my account had been canceled since XXXX of last year, so the money wasn't delivered. We started an investigation and XXXX XXXX XXXX got an XXXX  XXXX from Citi Bank in New York. Citi Bank proved it sent the money to XXXX Bank. I opened another investigation at XXXX Bank and XXXX Bank gave a code indicating that the money was tried to be sent and was returned. XXXX XXXX XXXX claims it doesn't have the money, so Citi Bank is the only bank that may have the money
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. there is some inaccurate information reporting. 
XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.