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

While checking my credit report, I notice an account from XXXX XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than XXXX days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit card or prepaid card

Discover Card needs to 1. Delete any and all negative information that they posted on my account and/or in my credit file. 
2. Delete all charges posted by XXXX and/or Discover Card. 
3. Send me a letter that this has been taken care of as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax again removed almost all of my accounts from my credit report. This is the third complaint regarding the same issue. Equifax on my first complaint put back all my accounts in the credit report, they removed most of my credit information again. Then for a third time they have done the same thing removing credit information from my report and reducing my credit score without any reason.I have tried to contact them by phone but is almost impossible to get to someone to answer me of this situation.
Product: Mortgage

Dear Shellpoint Escalation Dept, NOTICE OF APPEAL/ERROR Attached you will find my Appeal/Error Letter, as well as this being another Notice of Appeal/Error as my financial circumstances has changed dramatically since Shellpoint last reviewed my documents. I am still waited back for responses to me QWR, Notice of Error to XXXX XXXX XXXX XXXX from the FTC Commission who is reviewing my complaint as well as asking for a review of my documents that prove I can qualify for a modification as I have had 4 modifications to date and have made my payments on time with all of them. 

Therefore, I am asking that the XX/XX/2019 sale date be cancelled in order for me to have the time for me and my legal counsel to receive these responses and documents and to be able to respond back as legally due to me.
Product: Debt collection

I am being solicited for payment of a loan taken out online as of XXXX/XXXX/2011 per the Debt Collector First Recovery Remediation. I did not take any loans from online. I have requested information on said debt and they stated they have sent me information. I have not received any information on this. And, I continue to reiterate this is not my debt. I do not know what to do and they state they will take legal action.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally request debt validation for an account that has recently appeared on my credit report under the names XXXX XXXX XXXX and Absolute Resolutions Investments LLC. This collection account has caused significant harm to my credit profile, and I respectfully request your assistance to ensure full compliance with federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and verify any information reported by these companies to the credit bureaus that is inaccurate, incomplete, or unverifiable. Specifically, I am requesting that XXXX XXXX XXXX and Absolute Resolutions Investments LLC take immediate action to validate the debt or remove it from my credit report, pursuant to the following FCRA protections : 1. **15 U.S.C. 1681g** - As the consumer, I am entitled to a complete and accurate disclosure of the nature, terms, and original details of the debt reported by XXXX XXXX XXXX and Absolute Resolutions Investments LLC .

2. **15 U.S.C. 1681s-2** - This section requires these companies to refrain from reporting any inaccurate or unverifiable information, and mandates that the collection be removed from my report immediately until full and valid verification is provided. 
3. **15 U.S.C. 1681i** - Under this section, I have the right to dispute information. Credit reporting agencies must promptly investigate, and if the reported information can not be substantiated, they are required to delete it. 

I am requesting that XXXX XXXX XXXX and Absolute Resolutions Investments LLC validate this debt with the following documentation : - A copy of the original signed contract establishing my liability, - A detailed accounting of the debt history, including any fees or interest applied, - Proof of legal assignment or transfer of the debt from the original creditor to each of these collection agencies. 

If the requested documentation is not provided or if the debt is unverifiable, I request immediate removal of the entry from my credit report under **15 U.S.C . 1681c ( a ) ( 4 ) ** to prevent further reporting of po

tentially inaccurate information. Please consider this letter as a formal notice of my intent to pursue legal remedies under the FCRA if this account is not validated and removed from my report as required by law. I request written confirmation from the CFPB on the steps taken to uphold my consumer rights in this matter. 

Thank you for your attention to this urgent request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balance {$360000.00} ; XXXX XXXX XXXX  Balance {$360000.00} ; XXXX XXXX  Balance {$360000.00}.
Product: Credit card or prepaid card

I have been recieving unemployment for 3 months n eppicard They locked it XX/XX/XXXX day in n day out i stayed on hold until finaly i got an amswerXX/XX/XXXX i used the card to withdrawl 2 days and it locked right back up and the process had started all over again.no one ever answers the phone eppicard unemployment Mississippi worst card customer servics ever
Product: Debt collection

I have been advised by a third party that there were several innacuracies on my credit reports and discovered that Chase Card had a collection account in my name for a debt that does not belong to me further that I believe was opened fraudulently. 
Chase then sold the debt to XXXX XXXX who then posted an additional collection item on my credit report. The CFPB assisted me in haviing XXXX XXXX remove both their false information and the erroneous claim by Chase from my XXXX and XXXX XXXX histories, however XXXX continues to show the Chase Card Claim on my report. 
I have informed XXXX several times by mail and on their website, that this account does not belong to me and they continue to report it. I have written to Chase Card demanding proof of this debt as I know this account was not opened by me.
Product: Mortgage

We are contacting the CFPB as we have attempted for over 5 years to obtain a loan modification and have been denied over and over again. We are not asking for a lower payment and even expressed we could handle an increased payment. We only want to keep this home we purchased XX/XX/XXXX which our family loves and needs so much. The investor is XXXX XXXX so the rate can not be reduced under the streamline program due to being under 80 % LTV. We did n't qualify for XXXX because our ratio was at 29 % and needed to be over 31 %. Now, XXXX lost her XXXX position due to cut backs and we are only receiving income for XXXX. His income is {$7000.00} a month. We were just denied again because the ratio is still under 31 % which is not true. We received a letter from CitiMortgage dated XX/XX/XXXX showing our payment increased from {$1800.00} to {$2300.00} as of XX/XX/XXXX which would make out ratio 33.2 %. We explained this to the CitiMortgage representative and she stated that new payment is not what is in their system so the denial stands. I explained we faxed her the CitiMortgage letter and said it does not matter. Well, it matters to us. We need this home our rate has been 6.375 % since origination and this loan has never been modified.
Product: Mortgage

I recently received a Notice of Foreclosure sale XX/XX/18. I am a Trustee and Co-Beneficiary of a Family Trust which the subject property is titled in reference to original borrower known as the Estate of XXXX XXXX. I reached out to the servicer but I have found it difficult to communicate with the servicer and the foreclosure law firm requires that I speak to servicer before they will process a postponement of sale ( Non Judicial State TN ). I do not have understanding of what the alleged amount of indebtedness is, what alleged payoff is, alleged reinstatement amount, and No one has  addressed the matter of servicer/Lender error in trading the loan and closing out the initial Trust allegedly opened by Lender. A Title search revealed a error as per SEC violation. 

None of the living beneficiaries received any notice from servicer except for me at last minute. The foreclosure firm says they were Not Given an amount of Indebtedness ( XXXX at Foreclosure Law Firm representing Servicer SPS ) The Firm refers me to the servicer and the servicer will not speak to me without an updated Third Party Authorization. Which I can not obtain until I am given legal advise as to who should sign the new Authorization as the previous decedent of Mrs XXXX is also deceased and XXXX XXXX is no longer a beneficiary of the Trust.
Product: Debt collection

AssetCare is trying to collect a bill for an emergency room visit that resulted in admittance to the hospital for 48 hours. At the time, because I was under distress, I did not have my wallet when I went to the ER and therefore did not have my insurance card available at the time of check in. While I was in the hospital however, someone brought my wallet and I gave the hospital the insurance information BEFORE being discharged. I never received any bills and assumed this emergency room bill was taken care of by insurance. Now I have collections on my report from Assetcare stating I owe and they have no record of insurance. The bill for the hospital stay itself however was sent and paid for by insurance.. Insurance was never billed for this claim and therefore they should not be able to collect this debt. They have ruined my clean credit by reporting to the 3 bureaus with these inaccurate illegal attempts to collect a debt that insurance would have covered had they have been billed originally.
Product: Credit reporting or other personal consumer reports

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I accessed my Experian credit report thru XXXXXXXX XXXX XXXX website. Because my report has inaccuracies, I repeatedly contacted Experian but none of their phone numbers lead to a LIVE person, none of the numbers contain a variety of options AND Experian doesn't respond to emails. I'm literally " blocked '' from accessing my longtime online account. 
I'm just trying to Login and Dispute some information.
Product: Prepaid card

Hello, my AMEX gift card is getting declined online. I have sufficient funds and have been trying to make purchases online, where it says American Express is accepted. When I spoke to someone from AMEXcustomer service, they said it was an issue with the merchant and that the merchant had to approve the card. When I contacted the merchants support, they said that it was a problem with the card issuer and that the bank was actually declining the purchases. The merchant also recommends following up with my cardholder to request additional assistance with getting a payment processed. They would be able to provide more information on what may be keeping the payment from coming through. But I am not able to reach a resolution with AMEX customer service. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards.This is simply not the case. I'm not able to use the card anywhere. My money is inaccessible. All I want is the total balance on my cards in cash or check. 

Also when I try to make a purchase they charge me {$.00} every time it gets declined How to know in advance that this was going to happen?
Product: Credit card or prepaid card

I received a letter XXXX dated XX/XX/20 ) from XXXX XXXX Card Services on XX/XX/20 advising they closed my Kay Jewelers credit card account due to inactivity. I received no prior notification of this closure. I called customer service and was told that is just what they do, I escalated to XXXX she kindly told me I can re apply but reopening my account is not an option. I requested her manager as 2 issues : You have damaged ( lowered ) my credit score by closing the account. This lowers my percent of usage and shows an account recently closed. 2 if I reapply that is a hard inquiry on my credit which also lowers my credit score. I request that this account ( that was in good standing ) be reopened immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax got hacked and my information was part of the information that got hacked. Fantastic.
Product: Student loan

I currently have an outstanding student loan with Citibank. In XXXX 2014, I spent time reviewing my account online in search of a method to increase the auto-debit from the minimum payment to a higher amount, like banks allow you to for credit card payments. I could not find this functionality and so I called the customer service line to inquire how to do so. The customer service representative advised accountholders could not do that on their own, but the customer service representatives could at our request. Therefore, I requested the amount to be withdrawn each month be {$150.00} and the additional $ XXXX be applied to my principal. The representative had me wait on the line a couple of minutes as they executed the request, advising they could n't withdraw an even {$150.00}, but it would be a mere few cents over. Confused, I asked why and they advised it 's just how their system is. I advised that although weird, that it was fine as long as the extra was applied to principal. They then confirmed everything had been taken care of. However, now I have heard from some that many loan providers incorrectly modified the loan schedule for the higher payment, instead of keeping it the same and just adding the extra payment amount to principal - which could qualify as a UDAAP violation. Additionally, that the incorrect loan information ( including minimum payments ) is being provided to the credit bureaus - which is a FCRA violation. I called into Citibank last week to ask whether this was the case - changing the loan schedules vs. applying the extra amount to principal - and their people even confirmed it! They advised there is no way for them to increase the amount withdrawn each month except in doing this, but that I should have been advised. I asked how has this affected the interest I have paid, and they are claiming there is supposedly no impact, but that makes no sense. Please help!
Product: Debt collection

I paid the debt off XX/XX/XXXX and it reported to XXXX XX/XX/XXXX as a new collection. It needs to be removed on XXXX. I dont think your even allowed to report medical debt to credit in California anyways.
Product: Checking or savings account

The CFPB alleged Thursday that from XXXX to XXXX, XXXX XXXX charged customers surprise overdraft fees on certain ATM withdrawals and debit card purchases, even when their accounts showed sufficient funds at the time of the transactions. The XXXX XXXX collected over {$1.00} XXXX in overdraft fees in the XXXX XXXX  the CFPB said in a press release Wednesday.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Request for Investigation of Inaccurate Credit Reporting Dear Sir/Madam, I am writing to formally dispute inaccuracies in my credit report as provided by Equifax. Upon reviewing the details of my credit report, I have identified several discrepancies related to an account listed under XXXX XXXXXXXX XXXX  XXXX. Below are the specific issues that require immediate attention : XXXX XXXX - " XXXX XXXX '' ** : The account is reported as " XXXX XXXX, '' yet it shows a balance of {$0.00}. This debt has been settled or paid, the status should indicate " Paid in Full '' or " Settled, '' and the " XXXX XXXX '' designation should be removed. 

**Remarks** : The account paid for less than full balance, paid credit card. '' This contradicts the {$0.00} balance and the " XXXX XXXX '' status, creating confusion about the account 's resolution. Clear documentation reflecting the true status should be provided. 

**Payment History** : The payment history indicates continuous " XXXX XXXX '' status for XXXX, XXXX, and XXXX despite a {$0.00} balance. This misrepresentation can adversely affect my credit score. The history should reflect the accurate resolution timeline without ongoing " XXXX XXXX '' reporting. 

**Dispute Flag** : The account is marked as under dispute. If this dispute has been resolved, the flag must be removed. If not, further investigation is warranted. 

**Steps to Address These Issues** : XXXX. I request a reinvestigation of this account and clarification regarding the discrepancies. 
I ask Equifax to correct the account status, payment history, and remarks to reflect accurate and updated information. 
If Equifax fails to address these inaccuracies, I will file a complaint with your office or another relevant authority. 

Please consider this letter a formal request for the investigation of the inaccuracies in my credit report. I look forward to your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely,
Product: Checking or savings account

Hacked account XXXX and direct deposapplication. App. applicatin.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017 I contacted Transunion to dispute an account reported delinquent by XXXX XXXX. 

Following my online dispute, I had a follow-up conversation 10 days later via phone. I asked for their fax number as the original creditor XXXX XXXX agreed to fax a letter to TransUnion advising to correct their information and that I had no delinquent payments. 

Both myself and the original creditor have made several attempts over the last three months to get TransUnion to have my credit bureau reflect accurate information on my credit report. 

Despite our numerous attempts in all communication formats, TransUnion refuses to comply with the Fair Credit Reporting Act, that has had a direct economic impact on my ability to both get credit and the cost of obtaining credit. 

Attached is a copy for XXXX XXXX sent directly to TransUnion advising them that my account should not reflect any delinquency that should substantiate my claim of TransUnion negligence and merit both civil and criminal sanctions on Transunion in accordance with U.S. Code.