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

Dear XXXX, XXXX Transunion I am writing to formally request the removal of outdated addresses from my credit report. Under the **Fair Credit Reporting Act ( FCRA ) **, I am entitled to accurate and up-to-date information in my credit file. The continued reporting of these outdated addresses violates the following provisions of the FCRA : 1. **15 U.S.C. 1681e ( b ) ** : XXXX is required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. Reporting outdated addresses that no longer reflect my current residence fails to meet this standard. 

2. **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ** : As I previously disputed these outdated addresses, XXXX was obligated to conduct a reinvestigation within 30 days and correct or delete the information if it was inaccurate, incomplete, or unverifiable. 

3. **15 U.S.C. 1681i ( a ) ( 6 ) ** : If XXXX agreed to remove the outdated addresses, you were required to notify me of the completion of this action. The continued presence of these addresses suggests noncompliance with this requirement. 

# # # **Outdated Addresses to Be Removed : ** [ List the old addresses appearing on your credit report here ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To assist in verifying my current residence, I have attached : 1. A copy of my government-issued ID. 
2. A recent utility bill reflecting my current address. 

I kindly request that you take the following actions : - Remove all outdated addresses listed above from my credit report. 
- Confirm in writing that the corrections have been made. 
- Provide me with an updated copy of my credit report once the corrections are complete. 

Failure to comply with the FCRA may result in legal action, including a claim for damages under **15 U.S.C. 1681n ( Willful Noncompliance ) ** or **15 U.S.C. 1681o ( Negligent Noncompliance ) **. 

Thank you for your immediate attention to this matter. I expect a response within the 30-day period as required by law. 


To assist in verifying my current residence, I have attached : 1. A copy of my government-issued ID.

2. A recent utility bill reflecting my current address. 

I kindly request that you take the following actions : - Remove all outdated addresses listed above from my credit report. 
- Confirm in writing that the corrections have been made. 
- Provide me with an updated copy of my credit report once the corrections are complete. 

Failure to comply with the FCRA may result in legal action, including a claim for damages under **15 U.S.C. 1681n ( Willful Noncompliance ) ** or **15 U.S.C. 1681o ( Negligent Noncompliance ) **. 

Thank you for your immediate attention to this matter. I expect a response within the 30-day period as required by law.
Product: Debt collection

Debt collector stated debt collection would fall off credit report once paid. They said a letter would be sent. Neither has occurred
Product: Debt collection

This company states they placed my debt for collections on XXXX/XXXX/16 and I have never received anything from this company regarding correspondence. No phone call, letter or etc and debt is now on my credit report. I also have proof that this company was not added to my credit report until recently not XXXX/XXXX/16.
Product: Credit reporting or other personal consumer reports

There are more than a lot of unknown inquiries and creditors I have no awareness of. I would need assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to report The XXXX XXXX XXXX XXXX XXXX XXXX XXXX for violating my rights under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009. I have paid my account with XXXX XXXX on time since I had this account open since XX/XX/XXXX. In XX/XX/XXXX I was reported 30 Day late on my credit profile due to XXXX XXXX changing my account number without proper notification. The first bill I received for this new account was on XX/XX/XXXX after I was already reported 30 day late in XXXX, this letter also stated that my account number will be changed again for the second time because I never received a new credit card or the new account number to make the payment and my original account number still stated a XXXX balance. On XX/XX/XXXX I received a statement with my original account number that still has a XXXX balance which was stated when I called to make payment in XXXX. On XX/XX/XXXX I received my new account number and new credit card after it was changed twice. How could I as a consumer make a payment on an account number that I have no knowledge about? The XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009 by not giving me at least 21 days to pay from the time the bill is mailed because they never sent me a bill with this new account detail until XX/XX/XXXX which they already reported 30 day late in XXXX. Also The XXXX XXXX XXXX is reporting to the credit agencies payment history on an account number that they change so the information that they continue to report to the credit agency are no longer valid because the account number change doesnt match the account number on my credit profile with file the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax tells me that they completed my disputes and I can view results. I have tried several times to see results and they tell me I dont have an account?. Crazy! The other 2 credit companys have resolved problems. For some reason Equifax is the only one that hasnt fixed the problem. Im in desperate need of having to refi my home and this is really causing a serious problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act U.S. Code 1681s-2, you have a duty to provide accurate information, and you are prohibited from reporting information with actual knowledge of errors.I, the consumer, have previuosly notified the consumer reporting agencies ( XXXX, Experian & XXXX ) about the erroneous reporting via the following : certified mail starting on on XX/XX/XXXX and via previous " multiple '' CFPB complaints ... as well as the CFPB complaint filed on today, XX/XX/XXXX. You are electing to continue to violate my consumer rights. 

Pursuant to FCRA U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting Pursuant to FCRA U.S. Code 1681s-2- the information is in accurate Pursuant to the FCRA U.S. Code 1692e- the information is false and misleading Pursuant to FCRA U.S. Code 1681b-I did not give written permission to furnish this information
Product: Debt collection

Identity Theft Affidavit and Police Report filed for these accounts please delete immediately. My information was stolen online in a data breach and I have had my ID social security card and bank card and information breached. My information has been sold on the dark web more than 90 times. I have several fraudulent accounts addresses and phone numbers that were all over my credit reports please delete immediately. 
DNF Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Around XX/XX/XXXX, I realized that Fay Servicing had charged me {$8000.00} in " forced '' insurance for my multifamily property at XXXX XXXX XXXX XXXX, XXXX NM XXXX. The charge came on my XXXX bill- but I had missed it. ( For the record, that is XXXX what my insurer is charging. ) I have had insurance in place since I purchased the property in XX/XX/XXXX. In fact, around XX/XX/XXXX, Fay paid the {$3700.00} annual insurance premium via escrow. And again around XX/XX/XXXX, Fay paid the {$3700.00} annual premium via escrow. So they are paying my insurance bill, but also telling me I don't have insurance! 

This is actually the second time that Fay has done this to me- on this property. In each case, it takes me dozens of calls, many hours waiting on the phone, email of documents etc. I speak to someone different every time. Nothing ever seems to happen. They promise they will get back to me but never do. They never, ever attempt to reach out to my insurance company to clear things up. 

The issue seems to me that my property goes under the address XXXX XXXX XXXX, but there are 8 units, all with different addresses ( XXXX XXXX XXXX etc. ) My insurance coverage is for all 8 units - it's very clear if you read beyond the front page. But the people at Fay make no attempt to understand that, and charge me for forced insurance because I " don't have insurance '' for the other units! 

I have been pursuing this since XX/XX/XXXX. Have made numerous calls to Fay ( I have records of all of them ). I've sent them proof of insurance for the last 3 years. 

( If you haven't already, I encourage you to look at the XXXX XXXX for Fay Servicing. I've never seen anything like it. And it makes me so angry that I never 'chose ' them and I can't get rid of them. )
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXXXXXX SS # XXXX Re : a XXXX account # XXXX Equifax To Whom It May Concern : I would like to dispute the validity of a XXXX account listed on my credit report. I am requesting that a dispute be initiated for a XXXX account which is reported. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
Product: Debt collection

Comenity Bank has made numerous repeated daily calls from XXXX since Tuesday XX/XX/2022 violating Reg. F 1006.14 ( b ) ( XXXX XXXX. Below is the breakdown of the call log : Tuesday XXXX/XXXXXXXX - XXXX calls ( XXXX, XXXX ) MST Wednesday XX/XX/2022 - XXXX calls ( XXXX, XXXX, XXXX, XXXX, XXXX ) MST Thursday XX/XX/2022 - XXXX calls ( XXXX, XXXX, XXXX, XXXX, XXXX ) MST Friday XX/XX/2022 - XXXX  calls so far today at XXXX and XXXX MST
Product: Credit reporting or other personal consumer reports

This morning, I noticed that my credit report contained incorrect accounts, and I have no idea how they got there. I regularly review my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Given this situation, I request a thorough review of the documents I submitted so that I can put this issue behind me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting me with an inaccurate information to the credit Bureaus XXXX, XXXX and Equifax. I sent letters to the Bureaus and to the collection companies requesting an investigation. The account remains in my credit report and have not been fully validated. After 45 days the account was removed from my credit report and now recently, they're reporting the same account that was closed as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I have proof that the letters were delivered to the correct address. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX There was a gas transaction initiated at the pump, Which put a {$75.00} hold on the card, but before the transaction was started, it was canceled at the pump, at {$0.00} I then made another transaction conpleting a gas purchase It appears it was XX/XX/XXXX when I 1st noticed that the {$75.00} was never put back into my available balance by available abolence, after looking at it, it was no longer marked pending, in fact it was marked completed I contacted cash app That is when they referred me to contact XXXX XXXX XXXXXXXX, the gas station where the transaction took place, I then contacted XXXX XXXX  XXXX, was able to speak to a representative who has encountered the situation with cashapp previously, he sent me documents confirming that the transaction was closed out with a {$0.00} balance from XXXX XXXX  XXXX, very shortly after the transaction was 1st initiated. I then reached back out to cash app relax relaying the information from XXXX XXXX, also submitting copis so submitting copies for verification And have continued to get the run around with robotic responses An avoidance of finding a resolution, I have continued to be passed on from representative to representative from representative to representative to representative to representative over and over, i was given a case # XXXX And have repeatedly been told that they have escalated my case to the proper division, it's division, but when I try to reply through email I get a response stating we closed your case because the response was provided and it's been more than 3 days since we've heard from you, there was never any response necis any response necessary or even an email for me to respond to, adding to their avoidance and closing a case that is obviously not is obviously not resolved
Product: Other financial service

I attempted to cash a check from an employer at my local Bank of the West. After waiting for an unreasonable amount of time and being treated as though I had done something wrong ( like they suspected I stole the check ) I polity asked what the issue was? I was then told that they did not believe the signature was legit and they refused to cash it ... Essentially accusing me of being a criminal. I suspect at this point, I am being XXXX profiled and I take offense to it as any one would. However I kept my cool and asked to speak to the manager on duty.She confirmed that they will not cash the check, so I told her that I was unaware that the bank hires hand writing annalists. This sarcasm was met with out right hostility. At this point I just wanted my money so I requested she called the number that they had on file and maybe my employer will answer a number he did n't recognize. To my surprise he picks up and confirms that he wrote a check to me for {$500.00} the day before, and instructs the bank manager to pay me my money. This is when she steps whey out of bounds and insists that he give her the check number, which of course he does n't have in his hand because he is away from his check book at the moment. Now she begins to give my employer a massive attitude and tells him she does n't have to cash the check and she " Is doing him a favor '' .... At this point I tell her she is n't doing anyone any favors. In fact it is her job that she is refusing to do and I suspect that this whole debacle is fueled by some XXXX predecease on her behalf. She responded by telling me to get out of the bank and threatens me with calling the police. I realized things were getting way out of hand so I left, taking her business card and promising her that I will follow up with a complaint. I am not looking for any sort of financial compensation. I just want the satisfaction of knowing that I put in a complaint that will have consequences.It is unacceptable and humiliating to be accused of being a criminal based on XXXX my XXXX. I would appreciate any help in resolving this matter. Thank you..
Product: Vehicle loan or lease

Date : XXXX Subject : Unjustified Repossession of Vehicle by VW Credit Description of the Incident : On XX/XX/year>, I contacted VW Credit to inquire about options for returning or selling my vehicle, as I have a car loan with them. Due to a recent XXXX condition that prevents me from working, my income has been significantly affected. The representative I spoke with provided vague information, necessitating multiple calls for clarification. 

On XX/XX/year>, I spoke with the same representative ( name unknown ) who explained the voluntary repossession process : the vehicle would be towed to their facility, inspected, and then auctioned. Feeling overwhelmed, I decided to proceed with the voluntary repossession. 

Over the weekend, after discussing with my family and considering the impact on my credit, I decided to cancel the voluntary repossession and continue making payments. On Monday, XX/XX/year>, I called VW Credit again and informed the same representative of my decision to cancel the voluntary repossession. She instructed me to make the next monthly payment of {$530.00} USD by XX/XX/year>, which I promptly did. 

Despite this, on XX/XX/year>, I received a call from a towing service stating they had an order to pick up my vehicle. I informed them of the cancellation, but they refused to verify with VW Credit and proceeded to tow my vehicle. The towing service entered the XXXX XXXX XXXX of my XXXX without consent, and contrary to the explained procedure, did not provide a document for me to sign or allow me to remove personal belongings or car plates. 

I immediately contacted VW Credit 's financial assistance line and reported the error. The representative acknowledged the mistake and escalated the issue to a supervisor. I also informed my car insurance company, XXXX, and filed a police report ( report number : XXXX ). 

While speaking with the police, I missed a call from VW Credit. Upon returning the call, I spoke with the same lady who confirmed that the repossession was an error due to her failure to cancel the request. She offered to return the vehicle. However, I refused because the repossession was conducted arbitrarily and without cause, even after I had made the required payment. 

I feel that VW Credit has acted in bad faith and caused undue stress and inconvenience, taking advantage of my limited XXXX XXXX XXXX condition. 

Thank you for your attention to this matter. 

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

Doing my loan modification with my mortgage company Midland Morgage, I was told by countless representatives from Midland Morgage that while I was going to the loan modification that that there would be no late payments reported to the credit bureau I spoke to representatives from Midland Morgage XXXX XX/XX/2022 rep number XXXX. XXXX rep # XXXX XX/XX/2022 XXXX representatives # XXXX XX/XX/2022. XXXX representatives # XXXX XX/XX/XXXX. Which resulted into five late payments on my credit report. Being told by Midland mortgage representatives, one thing, and having the told opposite happened is financially crippling their incompetence about what to do. The consumer is being left out in the cold, without knowing what to do. 

Thanks
Product: Money transfer, virtual currency, or money service

1. I used Paypal Pay in 4 to purchase 2 items on XXXX ( XXXX XXXX ) on one order totaling {$460.00} 2. Items in the order was fulfilled by different sellers Item 1 Delivered as expected ( {$41.00} ) Item 2 Wasnt sent to my address ( XXXX - XXXX - {$420.00} ). More detail on this below 3. Filed a dispute with Paypal, escalated it 4 total times, provided a clearer explanation that the seller is being deceitful and that they should ask for and check proof, and apply common sense. Paypal denied the claim. 4. I escalated again, Paypal agent on the phone called XXXX, confirmed with them that the package is not addressed to me, agreed that this is an obvious scam and he has seen it happen before. 5. Paypal backoffice team closed the case in XXXX 's favor citing that the package was delivered, without checking WHERE it was delivered! 6. I Re-escalated the case with paypal, agent on the phone once again agreed that this is a very obvious scam. 

1. Paypal closed my case YET AGAIN on XX/XX/year>, citing that the item was delivered to me. It was NOT. I submitted a XXXX document showing delivery to ANOTHER ADDRESS. On XX/XX/year>, Paypal acknowledged and agreed with the additional evidence provided by me showing that the package in question was not sent to my correct address and is actually from another shipper to another customer, completely unrelated to me. 2. XXXX from Paypal called me about this, agreed that I've provided all the proof necessary, and explained that they do not require sellers to submit proof of delivery with the address below an amount of {$1000.00}. 3. Paypal mentioned they " have reached out to the Merchant for further evidence to show that they package in question was shipped to your correct address. ", The merchant has responded on XX/XX/year> with the same, incomplete tracking information they provided previously, without any evidence of the package being shipped to my correct address. the CRUX here is that 4. The evidence required by Paypal from its sellers showing delivery to the correct area without the exact address, is insufficient, incomplete and puts honest customers at a disadvantage while protecting deceitful sellers. 5. These actions show that Paypal is working with sellers to cheat customers for amounts less than {$1000.00} using fake tracking numbers. 

on top of that Paypal said " Upon review, the seller has provided compelling evidence to show that they provided the correct address to FedEx when the package was shipped. '' What evidence and why isn't it shared with me when all the other evidence was?? 

I am the one with compelling evidence, not the seller. I provided you the document you asked for, not the seller.
Product: Credit reporting or other personal consumer reports

EXPERIAN has a account on my credit report from XXXX XXXX XXXX  this account is not mine I have never received any items or opened an account with this company Sec 609 say they must send me the proof that this is my account I want the signature The items bought date address and all information on this account if not able to provide proof delete immediately
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). Specifically, the credit bureau has failed to remove a late payment from my accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), despite the necessary steps I have taken to rectify this incorrect information. 
I recently disputed the presence of a late payment on both my XXXX XXXX XXXX XXXX XXXX XXXX  accounts, which have been negatively impacting my credit history. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
However, despite this statutory obligation, the credit bureau has failed to conduct a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but has also compromised my financial well-being.

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. 
I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Enclosed with this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX