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

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department , I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX XXXX XXXX XXXX. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$23000.00} from XXXX XXXX XXXXXXXX XXXX on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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
Product: Mortgage

I contacted PennyMac to inquire about COVID-19 pandemic assistance. At the time, my account was 30 days past due. I was informed by a representative that by enrolling in the COVID-19 pandemic assistance program, I would not be required to make the past due payment and enrollment would resolve negative credit reporting. 

After enrolling in the program, I received a written communication from PennyMac confirming my enrollment in the program. Furthermore, the letter confirmed that by participating in the program, no negative credit reporting would occur. 

Upon checking my credit report, I noticed my account was reported 30 days late contrary to the aforementioned. I spoke with XXXX ( XXXX x XXXX ) who confirmed she reviewed the recording and verified that I was informed that by enrolling in the COVID-19 pandemic assistance program, I would not be required to make the past due payment and enrollment would resolve negative credit reporting. XXXX also confirmed the written communication from XXXX. 

Despite XXXX acknowledgements, in no way did she honor what was stated verbally and provided in writing. To avoid further adverse credit reporting, I remitted the past due payment ( XX/XX/2020 ). However, my account continued to report 30-days past due. 

I have contacted XXXX on subsequent occasions, however at this point XXXX dont know what to believe. I completely feel like PennyMac is misleading its customers with no desire to be truthful. 

This evening, I reviewed information published on Consumer Financial Protection Bureaus website. Source : https :  //www.financialservicesperspectives.com/wp-content/uploads/sites/6/2020/06/Sup-Materials.Blog_.cfpb_fcra_consumer-reporting-faqs-covid-19_2020-06.-GPremo-AChastain-CHancock.-June-2020.pdf. 

The information reads as follows, If during the accommodation the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. This could occur, for example, if the accommodation itself brings the credit obligation or account current ( such as a loan modification that resolves amounts past due so the borrower is no longer considered delinquent ) or if the consumer makes past due payments that bring the credit obligation or account current. 

Notwithstanding, I paid the past due payment and the accommodation deferred subsequent payments. As such, the account should no longer be reported as delinquent to the credit reporting agencies. 

I am hereby demanding that PennyMac report my account as current as stated both verbally and in writing. I have fulfilled my obligations. PennyMacs continued and misleading statements is causing significant harm to me both emotionally and financially.
Product: Debt collection

During the month of XX/XX/2020, I lost Job do to the Covid 19. 

I reported It to the company : American Leading Finance and ask for

and evaluation for monthly moratory. It was recently denied, they claim I was not paying bills on time. I told them I lost employment and department of labor Have not give me my Unemployment benefits do to controvertial Point. All payments are on hold. I have reported to every finantial Institutions about this matter but There is No help, only treats to collect and report to credit burea missing payments. Please let me know What other options I have. I'm considering going Bankrupt soo
n.

thank you
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. 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

In accordance with the Fair Credit Reporting act NORDSTROMTDBANKUSA  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

and prior XXXX report shows XXXX  correction and agreeing to correct a problem with many different angles including not sending a credit card that originally wasnt ordered by me anyway and continues violations of the FCRA rule in regards to reporting erroneous information when already agreed to correct the issue. XXXX XXXX XXXX and Equifax each corrected the status of the account to XXXX agreed but did not eliminate the two missed payments displayed on the credit card I never ordered. The settlement was agreed to was XXXX that would be taken off the record since it was their fault for ordering a card I never ordered. To maintain status quo I agreed with XXXX to keep the card but Im starting to regret it.
Product: Vehicle loan or lease

I leased a vehicle from MBFS in 2020. I purchased additional miles over the base of 45k up to 48k. Per the contract I would be refunded the unused miles below the 48k. I traded in the vehicle with a new lease. The leased vehicle traded in was at 17k miles and thus I was owed XXXX XXXXXXXX. Thats XXXX miles purchased at a {$1.00} per mile over 45k miles. MBFS is saying multiple excuses and refusing to refund the amount as stated per contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up on my previous complaint to Transunion LLC. I am not happy that I have not received an explanation to my concerns on the previous compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my report after being notified of a data breach with XXXX and XXXX. My information was compromised and I noticed false information being reported about me. I have sent multiple letters and made several calls to each bureau. As of today these inaccurate and misleading items still continue to be reported falsely.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding unresolved issues related to inaccurate credit reporting and debt collection practices that I have been experiencing. Despite multiple attempts to resolve these matters directly with the credit bureaus and the collection agency, XXXX, I have not received satisfactory responses or corrective actions.

1. Inaccurate Credit Reporting : There are several inaccuracies on my credit report that have not been rectified, despite my numerous disputes : Late Payments : I have never missed a payment with my XXXX  account, yet my credit report inaccurately reflects late payments. These entries should be removed. 
Incorrect Inquiries : There are inquiries from accounts that are not open under my name. I request that these inquiries be removed from my credit report. 
Outdated Addresses : I have submitted my correct address multiple times, but outdated addresses continue to appear on my credit report. I request that all incorrect addresses be removed. 
Charge-offs : All charge-offs listed on my report have been paid in full, yet they remain on my credit report. I request that these be removed in accordance with relevant regulations.

2. Failure to Provide Debt Verification : XXXX has been attempting to collect a debt from me, but I have repeatedly requested verification of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, I have not received any documentation from XXXX to substantiate their claims. I ask that XXXX provide the necessary verification or cease further collection attempts and remove any related entries from my credit report.

3. Failure of Credit Bureaus to Address Disputes : I have submitted multiple disputes to all three credit bureaus ( XXXX, Experian, and XXXX ) regarding these inaccuracies. However, my disputes have not been resolved, and the credit bureaus have failed to correct the erroneous information on my credit report. Despite sending certified mail with the necessary documentation, no action has been taken.

4. Data Breach Additionally, my credit information has been compromised, and I have received notifications indicating a potential data breach. However, I have not received confirmation that these alerts have been implemented.

5. Request for Action : Given the unresolved nature of these issues and the failure of both XXXX and the credit bureaus to address them, I am formally requesting your assistance in resolving this matter. I am requesting that you investigate my complaint and take appropriate action to ensure the correction of my credit report and the cessation of unauthorized debt collection practices.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated my rights! 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning A financial credit reporting agency has prevented me from opening a business banking account. Below was written to the company. 

Dear Early Warnings, I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file EWS maintains under my Social Security number. I called in to resolve this and explain the circumstances. My checks were canceled due to them missing from my car along with my debut card. No checks were cashed and no money was missing from my XXXX XXXX XXXX account nor was their any fraudulent activity. I do not owe XXXX XXXX XXXX and money in fact they owe me money. You are falsely reporting information without any proof and XXXX XXXX XXXX has admitted that there is no bad debt with their company nor any wrongdoing on my end. I will not engage in your process I will file lawsuit and sue your company for XXXX XXXX USD in damages due to the account at XXXX being frozen over your reporting with XXXX XXXX USD in it. Every day my account is blocked due to your reporting I will hold Early warnings responsible for damages to my clients funds traded in the market. 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : XXXX XXXX XXXX Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec.  3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such ) EWS-participating as consumer reporting agency [ ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. 

My Report was not sent in the timeframe by law and still has not been received. I made a phone call to get the following information from your support and found the information supplied is illegally supplied to early warnings and also is incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XX/XX/XXXX Formal dispute regarding inaccurate information on my credit report Dear legal department, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these innacuracies, as required by federal law. 
Recently the consumer financial protection bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports, i am deeply concerned that my dispute my be mishandled in a similar manner. 

Please review the inaccurate information being reported on my credit file : late payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Under the FCRA, you are required to Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensive manner. 
Provide me with documentation you rely on if the disputed information is verified as accurate. Ensure the inaccurate or unverifiable is corrected and removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains accurate, I request the immediately removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I resolve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly, I look forward to your response within the legally mandated 30 day time frame Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a contract with XXXX XXXX XX/XX/XXXX and had lapsed on my payments. It was sent to XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX. The Amount that was sent to collections was {$340.00}. I had called them XX/XX/XXXX to resolve this collection and was given options as to what could be done. We agreed to Legally Pay in full for less than the full amount on XX/XX/XXXX with their agreement to remove themselves from my credit report. That never happened. I called several times within the past 11 months to ask them to remove themselves based on our agreement and they would tell me that i had to call XXXX XXXX  to have them to call or send a letter to them ( XXXX ) to have them remove themselves from my credit report. I did this. Every time i called XXXX they were unable to locate my account and had no record and that i would have to call them XXXX XXXX XXXX. After going back and fourth I tried reaching out to Experian to file a dispute last week. I called Experian today, XXXX, to check the status and Experian 3 way called XXXX and told me the same thing. I needed to call XXXX XXXX and have the send a letter or call them to be removed from my report. Experian told me to call XXXX and so I did. Unsuccessful again. they could not find me in their system nor in their old data bases. I was transferred to a senior specialist and was told he couldn't find me or remove it or call anyone or write any letters, and that i would have to wait for it to be removed on it's own with time. So i am here to have some assistance from you to help me get this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this Chapter XXXX several times due to inaccurate information ( address, case number ; its all wrong ). I filed the initial dispute with all three credit bureaus on XX/XX/XXXX. I received a notification from XXXX  on XX/XX/XXXX that the Chapter XXXX had been validated. On XX/XX/XXXX, I received a person email from XXXX stating that they could NOT authenticate me in their system ( because I disputed through CFPB ) and they needed me to fax them copies of my SS card and license ; or send them by email. The issue is this : 1. It is not up to me to bear the burden of proof to authenticate who I am to them. When I submitted the CFPB dispute ; I gave you my last 4 of the social, birthdate and complete address information. I called XXXX the same day gave them all of the information that they requested and they STILL could not authenticate me. When I filed this dispute ; it was filed through the CFPB which shows the last 4 of my SS # and my birthdate and address. That is how they got my email address. 
2. Due to the number of data breaches etc., I do not feel comfortable sending my information to them via fax or email. Again, I do not believe I should have to send this information to them. They should have this information handy if they are sending this information to credit reporting agencies on a regular basis. 
3. Based of the fact that XXXX  stated that they received validating from XXXX and then XXXX couldn't verify me. Something isn't adding up.
Product: Prepaid card

I have this specific transaction made on my Vanilla Visa gift card that I didnt even place. I contacted XXXX to see if they could do anything about it, The transaction was placed on XX/XX/year> for {$79.00}. They had told me that because the order was made with a OTP that and it could not be refunded and didnt have any other possible solution for me so i tried calling Vanilla Visa Customer Service and they told me that Id need to issue a dispute case which is a XXXX day process and I havent gotten any update ever since I placed it and they cant do anything else to help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that Experian is reporting inaccurate, incomplete credit information and your willful noncompliance has injured me. Please verify the following accounts : XXXX XXXXl XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX opened XX/XX/2019. I would like a method of verification to be provided as well. You have 30 days to comply with my request or face further administrative action.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw I have fraudulent accounts on my credit report. I did not authorize this and I don't recognize this account. This is being reported by a XXXX party called XXXX XXXX XXXX for {$37000.00} and XXXX XXXX XXXX for {$330.00}.