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

I am writing to dispute inaccurate information on my Experian credit report related to the account listed below : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed Upon reviewing my report, I noticed that this account reflects XXXX late payments reported in XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 60 days late ). This information is inaccurate and violates the CARES Act and my rights under the Fair Credit Reporting Act ( FCRA ). 

CARES Act Violation Under the CARES Act ( Section 4021 ), lenders were required to provide accommodations for consumers impacted by

COVID-19. During this period, if a consumer was current on their payments prior to seeking an accommodation, the account should continue to be reported as current. Since this account was in good standing before these reported late payments, Experian is legally required to remove these inaccurate marks.

FCRA Violation Pursuant to 15 U.S.C. 1681e ( b ), Experian is required to maintain maximum possible accuracy in consumer reporting. By continuing to report these late payments despite my efforts to dispute them, Experian is in violation of this requirement.

I demand that this inaccurate information be permanently de
leted from my credit report. Failure to comply with this request may result in further legal action being pursued, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal remedies for willful non-compliance. 

Please investigate this matter promptly and provide written confirmation once the inaccurate information has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act 15 U.S.C. 1681b I am the natural person consumer in original creditor. 
I am invoking my specified remedy as a consumer in the original creditor and I demand your company to remove and delete all negatives/ collections from My Consumer Report.

Your company is governed by the Fair Credit Reporting Act and must abide by the laws set forth in 15 USC 1681b permissible purpose of consumer reports.

( A ) subject to subsection C, any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the court order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with Section 5318 of Title 31 or section 3486 of Title 18.

( 2 ) and of course with the written instructions of the consumer to whom it relates.

This proves I am the consumer in original creditor and I have not given my written instructions to your company to furnish any information on my consumer reports and I demand a full removal and deletion of all negative accounts. I know my rights as a consumer and your company is in violation of my right to privacy. Failure to respond satisfactory with deletion will result in legal action against your company for which I will be seeking {$1000.00} per violation.

I am the consumer and I have a right to privacy and my Consumer Report is not public record. As well the fcra makes it clear your company can not furnish public information without my written instruction. I demand you stop infringing on my right to privacy
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. Experian is reporting recent balances of XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$33000.00}, XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$34000.00}, XX/XX/XXXX {$34000.00}, XXXX XXXX {$34000.00}, XX/XX/XXXX {$35000.00}, XX/XX/XXXX {$34.00}, XXXX. According to the Fair Credit Reporting Act ( FCRA ), Arizona Consumer Fraud Act ( A.R.S. 44-1521 ) negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive addressed the fact that portfolio recovery has been continuously re aging an account that they purchased. Ive tried resolving the issue with all 3 of the bureaus, the company itself as well as your company and its still reflecting as a reaged account which is effecting my credit.
Product: Checking or savings account

I have set up payments for an auto loan with Nfcu, in the amount of {$500.00} each month. I cancelled the reoccurring payment in order to make an earlier payment, this was on XX/XX/XXXX. Since XX/XX/XXXX Nfcu continues to debit my account for {$500.00} any chance they get and no one can explain why its happening. It is causing me to become over drawn, checks bouncing, over draft fees and my finances are in a scramble right now. Every time I see the debit for {$500.00} I call and they some way or another reverse it but they literally just shift money around through all my accounts to make it work. This is very frustrating, and it is debilitating having to deal with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to access my Credit report on Equifax. Their website fails repeatedly and does not provide any reason why they can not process my request. 

I am able to get the credit reports from XXXX and XXXX. However equifax website fails as if it was designed to make customers unable to access their information.
Product: Debt collection

I being sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while in XXXX XXXX. I did live there for 3 years, XX/XX/XXXX-XX/XX/XXXX, after XXXX military service. I moved back to XXXX XX/XX/XXXX for medical treatment. I was not properly notified, the debt is 7 years old, and the funds are exempt from collection, ( social security for XXXX, veteran compensation ) Midland Funding , LLC is the collection company in the states, represented by XXXX XXXX in XXXX XXXX.
Product: Mortgage

I am filing this complaint againsXXXX XXXX XXXX XXXX XXXX regarding their refusal to adjust my escrow account and issue a refund for over-collected property taxes, despite my eligibility for a full property tax exemption as a 100 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran in Illinois. 

Issue Details : 1. XXXX XXXX was aware of my VA XXXX rating at the time of loan approval and knew I qualified for a full property tax exemption under Illinois law. However, they have continued to collect {$1100.00} per month in escrow for property taxes, even though I do not owe them.

2. The city has confirmed that I only owed property taxes for one month, yet XXXX XXXX refuses to stop escrow collections until XX/XX/year>, resulting in a total overpayment of approximately {$12000.00}. 

3. XXXX XXXX has failed to take reasonable steps to verify my exemption, such as contacting the local tax authority directly. Instead, they have placed the burden on me to prove my tax exemption, despite already having my VA rating and knowledge of state laws.

4. Due to this unnecessary escrow charge, I have had to rely on credit cards to cover my expenses, creating financial hardship.

Thank you for your assistance in resolving this matter.
Product: Consumer Loan

I am writing because I have been disputing an item PRESTIGE FINANCIAL SVCS on my credit report that is inaccurate and out of date. I have disputed this items several times with no results. The company should have removed it back in XX/XX/XXXX but keep updating the information as if the account is still opened. 
This account was closed in XX/XX/XXXX due to vehicle repossession through bankruptcy dismissal and placed in collections for the balance different after the car was resold in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX Subject : Dispute of Outdated Bankruptcy on Credit Report Dear EQUIFAX , I am writing to formally request the removal of a bankruptcy from my credit report, as it has exceeded the legal reporting time limit under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c.

The bankruptcy listed on my credit report, filed under [ XXXX ] in XXXX XXXX XXXX XXXX, was discharged on XX/XX/XXXX. As it has been over [ XX/XX/XXXX ] years since the discharge date, this information should no longer be reported. 

The bankruptcy listed on my credit report, filed under [ XXXX ] in [ XXXX XXXX XXXX  was discharged on XX/XX/XXXX. As it has been over [ XX/XX/XXXX ] years since the discharge date, this information should no longer be reported. 


Please conduct an investigation and remove the outdated bankruptcy from my credit file immediately. I have attached a copy of my credit report, highlighting the bankruptcy entry, along with any supporting documentation. 



I appreciate your prompt attention to this matter. Please provide written confirmation once the bankruptcy has been removed. 



SINCERLY, XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SS # XXXX XXXX XX/XX/year> RE : Trafficking Block Request Dear Sir or Madam : I am a victim of Trafficking. The information listed below, which appears on my credit report is the result of that trafficking... 
XXXX. XXXX XXXX # XXXX Date Opened XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To Whom it may Concern, Two accounts are reporting information that isnt 100 % accurate but have been marked as verified. Please remove these accounts based on inaccurate information 15 U.S. Code 1681i Sec 5. 

Account Number Company Name XXXX XXXX XXXX XXXX Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered an unauthorized hard inquiry from US Bank on my XXXX credit report, dated XX/XX/year>. I did not apply for credit with US Bank, and this inquiry was made without my knowledge or consent. I am a victim of identity theft, as documented in my FTC Identity Theft Report ( Report XXXX XXXXXXXX ). 

I formally disputed this unauthorized inquiry with XXXX, and they instructed me to contact US Bank directly. I then submitted a written request to US Bank, including my FTC report and supporting documents, requesting the immediate removal of the fraudulent inquiry per FCRA 15 U.S.C. 1681c-2 ( a ). However, I have not received a response or any confirmation that the inquiry will be removed.
Product: Mortgage

We just refinanced with United Wholesale Mortgage and it has been nothing but a cluster of goofups on their behalf since the get-go. 

We have not even made the first payment and we have been insulted, ignored, and belittled by the employees/CSR 's of the company. From not having calls returned to being told that the statement they emailed and US mailed to me doesn't exist.

They sent me a statement dated XX/XX/2019, this was never received until I requested a statement in mid-June. They emailed it to me and like magic, it also showed up via US mail two days later. The letter, which they cant find, states that I am responsible for paying my property taxes. When I am escrowing them. Every call I make to resolve this matter, the clerk says I am escrowing the account, no one can find or explain the letter and no one is willing to provide a corrected letter/statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information sent to ftc XXXX breach po report sent to all bureaus
Product: Bank account or service

In XX/XX/2016, I closed my acct in person at HSBC on XXXX. Around XX/XX/XXXX I receive a note that I owe {$35.00} for overdrawing on my acct and insufficient funds. The amount allegedly overdrawn on my acct was {$45.00} - exactly what I took back from my acct upon closing it. I am XXXX. Ca n't go outside. Do n't want to talk on the phone. I have emailed them and tweeted them explaining everything. All they do is keep telling me to come in or call. Since XXXX they have taken me around in circles. All they need to do is look into it and send me a letter saying my account is closed and that I do n't owe them. I am now wondering if they even closed my acct or do they just send bills out hoping that someone wont pay attention and pay the {$35.00}. The fact that customer service ca n't help me leads me to believe that they are outsourced and are there for appearance only.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Bankruptcy XXXX  XXXX Reference number : XXXX has violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I am writing to file a formal complaint against TD Retail concerning the unjust closure of my account, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe my rights as a consumer have been violated, and I request your assistance in resolving this matter. 

On [ date ], I discovered that TD Retail had closed my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) without any prior notification or explanation. To make matters worse, it has come to my attention that a Red Card by Target account has been left on my credit profile, further highlighting the discrepancies and potential fraudulent activities by TD Retail. 

I hereby request the following actions be taken within 10 days : Reopen XXXX XXXX XXXX XXXX XXXX XXXX XXXX  immediately. 
Provide a formal written apology for the unjust closure of my account and the resulting inconvenience. 

Rectify the misrepresentation on my credit profile by removing any negative impact caused by the closure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, I am seeking {$5000.00} in damages for every day the Red Card account remains closed, as it constitutes further financial harm and inconvenience. 

I believe the actions of TD Retail are not only unethical but also damaging to my financial well-being. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure consumer rights are protected. 

Please find attached any relevant documentation supporting my complaint, including account statements and credit reports. 

Thank you for your prompt attention to this matter, and I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding debt with XXXX  XXXX XXXX XXXX that I have with a deposit related debt for {$480.00} that does not belong to me. This debt is the result of identity theft back when the account was originally opened on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account ( XXXX XXXX ) on my Experian credit report that is the result of a credit card I did not open. 

I've asked Experian to remove this account in the past. 

As the official removal date is XX/XX/2019, I am asking for an early removal of the XXXX XXXX account, taking into consideration my earlier disputes about the account and the proximity to the XX/XX/2019 date. Many thanks.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Navy federal credit union made me purchase insurance separately. This has become fraud on behalf of navy federal credit union for willfully concealing this information that Truth-in-lending states in 15 USC 1605 ( c ) Property damage and liability insurance premiums included in finance charge. Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
Product: Credit reporting

I have filed multiple complaints XXXX on this going all the way back to XXXX and have filed multiple complaints on XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXTransunion.com XXXX, XXXX XXXX Fax : XX/XX/XXXX Additional documents being mailed. 
Dear Ladies and Gentlemen ; The reason you have received this letter and old copy of my TransUnion credit report is due to the multiple, nearly monthly credit reports disputes regarding XXXX formerly known as XXXX. 
The letter by an unidentified individual at TransUnion clearly states that " Our goal is to maintain complete and accurate information on Consumer credit reports. '' It goes on to state that the company reviewed my information and " After reviewing XXXX complaint, we are unable to process his request because we were not able to determine the nature of his dispute. In order to investigate information contained in his report. Please XXXX provide us with the specific account name and number and specify why he is disputing it. " I have made myself clear for almost three years now, the amount of the XXXX formerly XXXX automobile account is wrong, the nature of the account is also wrong. This item considering the fact that obviously the account is being reported incorrectly and has been for some time, nearly two years, should be removed from the credit report now and forever. 
This specific matter was clearly described on a multitude occasions The balance of the account was wrong, and I was absolutely clear on this matter and frankly am surprised that this is still an issue. 
I have communicated with the lawyers for XXXX formerly known as XXXX and it was clearly an issue where XXXX restructured the financing on an automobile account and moved XXXX delinquent payments to the end of the contract and later when I dealt with XXXX debt collector 's I entered into an agreement with the debt collector for a settlement of XXXX of with at least XXXX has been paid. This matter was reinforced later by the attorneys for XXXX XXXX and I entered into litigation that was settled out of Court. 
In addition, the automobile was repossessed and the fact that the automobile was collected and resold XXXX, XXXX. The automobile was sold for the amount of $ XXXX have sent another copy of the credit report that is in dispute to your attention with the account under dispute clearly and boldly circled with arrows and the words XXXX '' If there is any misunderstanding or confusion, please contact my XXXX XXXX XXXX XXXX at XXXX. Or email XXXXXXXXXXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion wilful violated 15 U.S.C.1681i ( a ) ( 6 ) ( A ) ( B ), by : A. Failing to provide written notice of the results of its investigation within 5 business days after the completion of its investigation ( XX/XX/XXXX ) ; B. Failing to provide in writing before the expiration of the 5-day ( XX/XX/XXXX ) period referenced to in subsection ( A ) - ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 

As a result of TransUnion 's violations of the FCRA, XXXX XXXX has suffered, continues to suffer and will suffer future damages, including denial of credit, lost opportunity to receive credit, damage to reputation, worry, distress, frustration, embarrassment, and humiliation.