vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Re : Dispute of ( SECURITY CREDIT SERVICES ) Request for Removal of Debt Collection Account Due to Fair Credit Reporting Act ( FCRA ) Violations Dear Sir or Madam, I am writing to formally dispute the debt collection account listed on my credit report under account number no account number associated. I believe this debt account has been inaccurately reported by the collection agency, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that you remove this account from my credit report due to these violations. 
FDCPA and FCRA Violations According to 15 U.S.C. 1692g of the FDCPA, I am entitled to dispute the validity of any debt within 30 days of receiving the initial written notice from the debt collector. Under this same law, the debt collector is required to cease collection activities until the debt is verified. I was not provided with the appropriate notice of my right to dispute the debt within the required timeframe, nor was I given the opportunity to validate the debt before it was reported to the credit bureaus. 
Additionally, under the FCRA, 15 U.S.C. 1681s-2 ( a ), furnishers of information ( such as debt collectors ) are required to report accurate information to the credit reporting agencies. Reporting a debt without providing me the opportunity to dispute or validate the debt is a violation of this law, as well as my consumer rights. 
Request for Immediate Action Due to the violation of my rights under both the FDCPA and FCRA, I am requesting that the debt collection account be immediately removed from my credit report. I also request written confirmation that the account has been deleted from my credit file. 
Please investigate this matter promptly as required by law and provide me with a copy of the results of your investigation. If the debt is not verified or if the information reported is inaccurate, I expect the account to be deleted from my credit report. 
Please consider this letter as a formal complaint under the FCRA and FDCPA. I expect a response within 30 days as required by law. If this matter is not resolved in a timely manner, I will have no choice but to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering further legal action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XX/XX/year>XXXX  Key Points Referenced : 15 U.S.C. 1692g ( FDCPA ) : Notice of debt and right to dispute.

15 U.S.C. 1681s-2 ( a ) ( FCRA ) : Furnishing accurate information and correcting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: First Help Financial, LLC
State: MA

Complaint narrative:
I tried multiple times to resolve those inquires with XXXX and with the vendors as well and none of them resolved my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Zip Co US Inc.
State: NY

Complaint narrative:
on XX/XX/2024 purchased item from XXXX  next day delivery order XXXX, they never shipped item and refused to cancel order after contact with CS rep as well as someone identifying themself s only as Supervisor " XXXX '' they did ship the item they refuse to cancel the order saying it shipped when in fact they were lying and refused to provide a tracking number if it had. I have emails showing shipment delayed from XXXX and they still refuse to cancel the order I used {$30.00} worth loyalty money and {$120.00} using Zip XXXX  app On XXXX after company refusing to cancel this fraudulent order I contacted Zip to file fraud complaint with them and they stated the charges are still in pending which proves order has not been fulfilled and has not in fact shipped and XXXX lied. I asked them to put a hold on the pending payment as it was a fraudulent and deceptive transaction they refused and they could have prevented this fraudulent transaction from going through and pushing the onus on me to have fight to recover funds they should have never been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion, Report XXXX. XXXX, Date Issued ; XX/XX/year>. XXXX XXXX : XXXX XXXX XXXX, Account XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX. XXXX. TransUnion has reported this collection company investigation results as verified as accurate. I have disputed this count multiple times that I do not have any account with this company nor have I made any payments to this company. This company failed to follow the FCRA and provide verification that I have an account with them or that they are legally able to collect on an account that was sold to them to collect payment. Until then, this company has validated my rights as a consumer and I am asking consumer financial protection bureau to investigate this account and if this information can not be verified that I have an account with them, please delete this account for my three credit bureaus, TransUnion, XXXX, and XXXX within 30 days. If this account does not get removed, I will seek legal action immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: WA

Complaint narrative:
On two previous occasions and again today XX/XX/year>, when I log in to Discover.com, select a CD that is maturing within 30 days, click 'Interest Settings ', then 'Edit ' on Maturity Instructions, I am shown options for renewing the CD. There is a button to click for information on how to close the CD, but as soon as I click on it I am immediately logged out of the website. The phone number I need to call in order to close my CD is displayed for less than 1 second before I am redirected to a 'session ended " logout screen. 

Discover is intentionally obfuscating the process to close a CD by disallowing me to view this necessary information. 

I have called Discover more than a month ago and informed them of this issue, but there was no follow-up or indications made that the issue would be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year> I sent XXXX XXXX XXXX  a Cease & Desist order. They are reporting fraudulent information on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I hope this letter finds you well. I am reaching out regarding a recent review of my credit report. Upon examining the report, I discovered a collection account from SYNCB, XXXX XXXX XXXX XXXX, reported in XX/XX/2020. 
I am writing to provide some context and appeal for your understanding regarding this matter. While I fully acknowledge my financial responsibilities, unfortunately, I found myself in a situation where I fell behind on payments due to extenuating personal circumstances. Specifically, I had cosigned for a financial obligation without being made aware that payments were not being made in a timely manner. As soon as I became aware of the situation, I took immediate action to rectify it by paying off and subsequently closing the account. 
I am currently in the process of applying for a mortgage, and it has come to my attention that this collection account could adversely affect my ability to qualify for the loan. I firmly believe that this isolated incident does not accurately reflect my overall creditworthiness or my commitment to fulfilling my financial obligations promptly. 
Given the circumstances and the steps I have taken to resolve the issue, I respectfully request that you consider making a goodwill deletion to remove the collection account from my credit report. Doing so would greatly alleviate the potential negative impact on my credit profile and significantly improve my prospects for securing the mortgage I am seeking. 
I genuinely appreciate your time and attention to this matter. Thank you for considering my request, and I sincerely hope for a favorable resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX we rec 'd a letter from Specialized Loan Servicing indicating an escrow shortfall of {$6600.00}. We mailed a bulk check to them on XXXX in order for monthly mtg pmt of {$1700.00} to remain the same. On XX/XX/XXXX we rec 'd letter from Newrez indicating they were new loan servicer. We continued making former payment of {$1700.00} while mailing letters to Newrez on XXXX and XX/XX/XXXX and sending at least XXXX online messages disputing the new contractual payment of {$2600.00}. The resulting certified letter to us dated XX/XX/XXXX indicates the bulk pmt {$6600.00} sent to XXXX during the transition of loan servicing would NOT satisfy the escrow shortage and our monthly payments would increase. Instead of continuing with {$1700.00}, our new payment is now {$2100.00}. I sent an online message to Newrez on XXXX and included a copy of the SLS letter to us dated XXXX. Unfortunately, several past due letters were rec 'd from Newrez on XX/XX/XXXX, XX/XX/XXXX and one additional date in the interim. 
Notably, in a letter to us from Newrez dated XXXX announcing migration to them as a new servicer, " Your mortgage terms WILL NOT CHANGE ( their emphasis ) as a result of this migration. '' and " We will manage and pay your taxes and insurance if they are currently escrowed. '' To date, we find this information to be untrue. We would like our payments to remain the same following the bulk payment of {$6600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
On XX/XX/XXXX I lodged a complaint with cfpb about my forced XXXX XXXX loans through navient. In response navient sent me the misconduct application form as I qualified for it. I submitted it with evidence including my letter as a class member of the XXXX XXXX XXXX lawsuit, lawsuits against the schools both federal and state as well as proof of false graduation rates and employment snd salaries. On the evening of XX/XX/XXXX I recieved emails from navient confirming my application was approve for private loan dismissal. Since XXXX XXXX XXXX XXXX I had been forced to make payments on these loans. Even though my evidence proved I was forced to take these loans out and they were forgiven I was denied restitution. This is unacceptable. Navient has put aside millions of dollars to settle private loan forgiveness. There is XXXX reason for them to deny restitution on school misconduct findings that they themselves approved. I am attaching my misconduct decision on the loans and payment history on the forgiven loans showing all the payments I have made since graduating in XXXX. Again I was forced to make payments on these loans for years. These loans were proven to be unethical and fraudulent. My payments should be returned in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate Employment History from Credit Report Dear Sir/Madam , I am writing to formally request the removal of inaccurate employment history information from my consumer credit report. The inclusion of this incorrect information is a violation of your obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e - Compliance Procedures, and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
The incorrect employment history currently listed is : Incorrect Employment Information : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Additionally, according to 15 U.S. Code 1681i ( a ), consumer reporting agencies are required to investigate and correct any inaccuracies upon receiving notification of a dispute. 
I request that this inaccurate employment information be removed from my credit report immediately and that the necessary corrections are made to reflect only accurate and verifiable details. Please confirm in writing once the correction has been completed. 
Thank you for your prompt attention to this matter. I trust that you will address this issue in compliance with the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate Employment History from Credit Report Dear Sir/Madam , I am writing to formally request the removal of inaccurate employment history information from my consumer credit report. The inclusion of this incorrect information is a violation of your obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e - Compliance Procedures, and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
The incorrect employment history currently listed is : Incorrect Employment Information : o XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Additionally, according to 15 U.S. Code 1681i ( a ), consumer reporting agencies are required to investigate and correct any inaccuracies upon receiving notification of a dispute. 
I request that this inaccurate employment information be removed from my credit report immediately and that the necessary corrections are made to reflect only accurate and verifiable details. Please confirm in writing once the correction has been completed. 
Thank you for your prompt attention to this matter. I trust that you will address this issue in compliance with the FCRA. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Applied for a credit card and a month later I had not received any response from the company and I saw an inquiry from them on my credit report, I called the bank to inform them and they said they would investigate this and a month later I saw another inquiry on my credit report and six months later I still have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
XXXX still reports all of my student loans, even though the account has been transferred to XXXX. Please delete all XXXX accounts from my credit reports, as they have caused me severe financial hardship and denied me access to credit. All accounts from XXXX contain incorrect and outdated information and should be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
XXXX still reports all of my student loans, even though the account has been transferred to XXXX. Please delete all XXXX accounts from my credit reports, as they have caused me severe financial hardship and denied me access to credit. All accounts from XXXX contain incorrect and outdated information and should be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ) Case No # XXXX and # XXXX. I have contacted XXXX per the instruction in letters on XX/XX/year> and XX/XX/year>, to verify to remove me from this account and delete this account from my credit report. This company failed to follow their own procedure and continue to show inaccurate information on my credit repairs. Please remove me this account from my TransUnion, XXXX, and XXXX account immediately. I have followed XXXX steps by contacting XXXX XXXXXXXX XXXX and spoken with a representative and follow up with a dispute to remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
To Whom It May Concern, I hope this letter finds you well. I am reaching out regarding a recent review of my credit report. Upon examining the report, I discovered a collection account from Rent Recovery Solutions, reported in XX/XX/year>. 
I am writing to provide some context and appeal for your understanding regarding this matter. While I fully acknowledge my financial responsibilities, unfortunately, I found myself in a situation where I fell behind on payments due to extenuating personal circumstances. Specifically, I had cosigned for a financial obligation without being made aware that payments were not being made in a timely manner. As soon as I became aware of the situation, I took immediate action to rectify it by paying off and subsequently closing the account. 
I am currently in the process of applying for a mortgage, and it has come to my attention that this collection account could adversely affect my ability to qualify for the loan. I firmly believe that this isolated incident does not accurately reflect my overall creditworthiness or my commitment to fulfilling my financial obligations promptly. 
Given the circumstances and the steps I have taken to resolve the issue, I respectfully request that you consider making a goodwill deletion to remove the collection account from my credit report. Doing so would greatly alleviate the potential negative impact on my credit profile and significantly improve my prospects for securing the mortgage I am seeking. 
I genuinely appreciate your time and attention to this matter. Thank you for considering my request, and I sincerely hope for a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information to execute a loan with XXXXXXXX XXXX XXXX on XX/XX/XXXX, Although the fRAUDULENT LOAN WAS REMOVED FROM ALL 3 CREDIT REPORTS BY XX/XX/XXXXXXXX XXXX XXXX XXXX threatened to steal my home for payment. The FBI defines housr stealing as indentity theft and mortgage fraud. I've attached my theft affidavit abd FTC identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation