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

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT. 

DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. 

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023I received aletter advising me that my credit limit was lowered from {$6300.00} to {$1000.00}. I called FNBO and was told that it was decreased due to a late payment ( due on XX/XX/XXXX ) and also due to my credit rating. FNBO acquired the account from XXXX XXXX XXXX approximately 6 months ago. It was difficult making payments after being sole because the phone number was incorrect, however I had never been late. FNBO decreased my credit limit without justification as I also did not give permission to run my credit report and I was not applying for a new card. I believe this happened because the back did not wish to honor the credit limit that was previously authorized by XXXX XXXX XXXX. I believe this company intentionally decreased credit limits so that it could avoid honoring the credit limits. I had not used the card for over two years and was paying off the balance which is {$450.00}
Product: Credit reporting or other personal consumer reports

Inaccurate Credit Reporting, Does not have expressed written consent to report any information, Illegal Administration of claimed estate, Identity theft
Product: Checking or savings account

Both my business & personal account has been effected drastically by Bank of America throughout the years. My personal account was closed after being with them for years due to negative amounts I was unaware of. I never received a call or notification I just sent to use my card one day and it wouldnt work. I called them and they told me they closed my account and that I owe them hundreds of dollars from fees. I told them I didnt even know it was negative and I wanted to resolve this to continue to use their bank and they only demanded money from me. Ive never experienced this over the years and it seemed like they didnt even care and didnt give me any other option to help even though we are all in a pandemic. I was told my account was closed and I wouldnt be able to get my original account back even if I paid. This caused my credit score to drop, I couldnt pay my rent how I normally would and was forced to pay through XXXX XXXX and other places which charged me even more fees. My business account has been charged multiple fees any day it is brought into the negatives and every day after if it is still negative even {$1.00}. Times are extremely hard right now, I myself have had XXXX and have A lot of people around me who have it now as we speak which has caused me not be out of work and hard to find work. On top of that I have two kids and one of their mothers has XXXX right now so I have to support more than I am able to. Im not able to send her money via XXXX transfer to support our child anymore, Im forced to bring her money which is not safe for me because I dont want to get XXXX  again. Please help
Product: Debt collection

On XX/XX/2023, I sent a letter to an alleged creditor who was sending me letters about a debt I don't recognize that they claim was charged off. In this letter, I requested that I be sent the XXXX form as proof of the charge-off status. I did not receive any response. Previously, on XX/XX/2023, I have sent a request to XXXX asking to verify information concerning the debt, which appeared on my XXXX report ; this information came back as allegedly verified, but the response was incomplete. A subsequent request for production of the method of verification was made on XX/XX/2023 and went unanswered. As a result, on XX/XX/2023 I made my request for the production of the XXXX showing my full name and alleged account number. When I, as an alleged holder of a charged-off debt, request a XXXX form from a party claiming to be a creditor, it is because I may have a reasonable belief that the debt was not validly canceled or that I do not owe taxes on the canceled debt. As an example, debtors may also request a XXXX form if they believe that the creditor already collected the debt, or if they believe that the debt was canceled due to a clerical error. If a party that acts as the creditor receives a request for a XXXX form from an alleged debtor, they should respond to the request promptly and provide the debtor with a copy of the form when required to do so. Federal law does require creditors to produce a XXXX form to a debtor in certain cases ; particularly, a creditor must produce a XXXX form to a debtor if the creditor charges off a debt of {$600.00} or more, as would seem to be the case for me, based on information shown on my XXXX report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

My personal chase checking account and join account closed, after few days my business account closed too!

I spend many hour called them! They said because of the check they cant verify., and I spend few hour already verify the check, they still closed my business account too!

Im so sick of those bank right now! They dont give me any reason Please help me with my business account as well! I think I did not do anything wrong Please help me
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

+ Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$35000.00}
Product: Credit reporting or other personal consumer reports

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 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently looked over my credit report and have discovered some false accounts reported on my credit file. These derogatory accounts were not created by me and I have no knowledge of these accounts. I have no idea who could have access to my credit report. Now because of this, I have no chance of obtaining new credit. Please conduct a re-investigation into this matter and have these derogatory accounts taken off my credit file.
Product: Debt collection

As SunTrust finally admitted to using fraudulently false inflated interest rates for months on our mortgage loan collecting higher than appropriate monthly installment payments, instead of sending us apologies and refunding the overcharged amounts, Suntrust recorded false statements dated XX/XX/2020 XXXX attached ) and mailed us an absurd letter ( attached ) of dated XX/XX/2020 showing delinquency on our part. Nothing is further from the truth. 
Attached payment records both from Suntrust and our bank accounts ( where automatic withdrawals took place ) clearly disprove such false statements and records. We would appreciate your help in having Suntrust immediately removing such false records and letters and preventing any such negative false reporting to any entities. 
It is important that Suntrust be reprimanded and held liable to compensate us appropriately to prevent further fraudulent practices by SunTrust ( aka Turist Bank ) with us and any other unsuspecting customers Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeat requests to have information corrected and has not been updated by XXXX. There are addresses on my report that I have never been associated with.
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 XXXXXXXX XXXX XXXX  XXXX .... 
Balance : {$130.00} ; XXXX  XXXX .... XXXX : {$85000.00}
Product: Credit reporting or other personal consumer reports

i am requesting that XXXX, XXXX, and experian delete the unauthorized inquries and the non-mailable addresses, and inaccurate personal information reporting on my consumer file that is reporting because it is damaging my score and keeping me from getting approve for a home. the following information is against the privacy act of 1974, 15 usc 6802 because i never gave consent for the information to be reported and 15 usc 1681b.

see attachments
Product: Credit reporting or other personal consumer reports

All three major Credit bureaus have continuously allowed XXXX XXXX XXXX to report a negative collection account on my personal credit reports. XXXX XXXX XXXX has called me and harassed me over this for several years. They have refused to cease and desist with this process. The credit bureaus have constantly ignored all of my disputes and requests to block and or remove this in accurate information on my reports. It is fraudulent misleading, and based on non-conforming information.
Product: Student loan

Each month, I pay more than what is owed on each of my student loans ( XXXX total ). It was my understanding that any payment in excess " unpaid interest '' would bee applied to principal for each. However, it appears that a large portion of excess payments made on all of my loans ( going back months ) have gone to interest that exceeds the " unpaid interest '' at the time of payment. As such, it appears that my principal balances should be lower than they are. I have never paid late, so no additional fees have been assessed.
Product: Mortgage

I recently had my loan sold to Select Portfolio Servicing. I have made 3 monthly payments to them toward my mortgage. They are charging every mortgager a {$17.00} fee every time we make a payment on our loan. It is not a late fee they call it a processing fee. The only way to avoid this fee is to do auto draft payments. I have had a bad experience with companies taking money out of my account so I don't want to do auto drafts. I don't feel if you are paying your mortgage on time every month how can they charge me to make my payment. I feel they are stealing from customers.
Product: Mortgage

I have applied for compensation from Wells Fargo for wrongful foreclosure and complained to this office at the time of dusk tracking? Failure to notice, fraud in dealings and other violations of your regulations which are covered under the recent order, I have spoken with five different people who all day disparate things, I spoke with XXXX XXXX who claimed to be a 20 year veteran of WF and an executive in resolutions. He promised to send me my mortgage file and now stated it was " illegal '' I have audio recordings of these conversations, XXXX was rude, dismissive and unhelpful. I am entitled to compensation under this body 's own regulations and laws. 

I want assistance and this body to enforce ( this is what the order states ) my right to vompensation immediately. 

I want my file unredacted as well as an apology and full restitution, This is unconscionable and it is the duty of this body to enforce its own laws and the courts orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent dispute letters to XXXX, XXXX, and Experian disputing several accounts that I believe to be innaccurate erroneous or outdated and haven't heard anything back on the investigation. Also mailed out to them again on XXXX asking for a response or comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3000.00}, {$920.00}, {$3400.00}, {$5700.00}, {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 


-- CLOSED ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX. Please remove immediately.
Product: Credit reporting or other personal consumer reports

I have no account with XXXX XXXX I dont have a debt with said company. Ive requested validation and received nothing. This company is misusing consumer information as indicated by the many complaints ( CFPB and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to XXXX on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a XXXX balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to Lexis Nexis, XXXX, XXXX and XXXX or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I placed a security freeze through all 3 credit reporting agencies. On XX/XX/XXXX, I attempted to permanently remove the security freeze, as I was attempting to apply for a mortgage. On XX/XX/XXXX, I requested my credit run by XXXX XXXX XXXX  ; however, they indicated that my credit was still frozen. I called back the credit agencies ( XXXX  and XXXX ), and was informed that my credit was not frozen. I could not get in contact with anyone at Experian ; however, received a digital confirmation that they received my request to have my credit unfrozen. On XX/XX/XXXX, I requested XXXX to re-run my credit ; however, was still informed it was frozen, despite assurances to the contrary from each agency. I called the 2 agencies noted above, and again was told it was not frozen. I was unable to get any information from Experian, as their website indicated that my credit was not frozen, and I could not request to unfreeze my credit. 

On XX/XX/XXXX, I requested that XXXX XXXX run my credit, and again was told that all 3 agencies indicated that my credit was still frozen. I will be writing a certified letter this evening, to be mailed tomorrow to each agency, again requesting it to be unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the Pandemic most of my accounts in my report could not be Pais. I did try to address the accounts but they didn't seem to care or understand what was going on during this time. I have reached out to XXXX XXXX XXXX, Barklays and many other around XX/XX/2020. They took money from me and instead of using that money to go towards the balance they used it towards the interest.