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

Subject : Formal Dispute for Removal of Bankruptcy Entry To Whom It May Concern, I am writing to formally dispute the presence of a bankruptcy entry on my credit report, which I believe is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. The inclusion of this bankruptcy entry is adversely impacting my credit profile and overall financial standing, and I am hereby requesting its immediate removal. It is important to note that I have previously disputed this entry, and your company claimed its verification through XXXX. However, I have not authorized XXXX to access my information as a consumer. Additionally, I have confirmed with the clerk of the court that they do not report any information to credit bureaus, rendering the account 's validity unverified. 

In accordance with 15 U.S.C. 1681 et seq., I am exercising my right to dispute this entry based on multiple violations, including Permissible Purpose, Right to Privacy, and the provision of a comprehensive Investigative Consumer Report. Specifically, I firmly believe that the reporting of this bankruptcy entry constitutes infringements of 15 U.S.C. 1681a ( 2 ), ( 4 ), 15 U.S.C. 1681 ( a ), ( e ), and ( d ).

I have furnished substantial evidence demonstrating that neither the Courts nor XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) supply information to any credit agencies whatsoever. Consequently, the validation of this bankruptcy entry was never fulfilled as mandated by law. If you contend that this entry has indeed been validated, I insist that you furnish the investigative report to substantiate your assertion. In the absence of such documentation, I am prepared to pursue damages for violations at a rate of {$1000.00} per violation, in accordance with the FCRA. 

Given the evident violations and the absence of validation, I hereby demand the immediate removal of the contested bankruptcy entry from my credit report. This action is imperative to rectify the inaccuracies in my credit profile and restore the integrity of my financial reputation. 

I am confident in the validity of the aforementioned violations, and I kindly urge you to expeditiously eliminate the disputed bankruptcy entry from my credit report. Furthermore, I anticipate your timely response and resolution, aligning with the stipulations of the FCRA regulations. 

Please be advised that I am well-versed in my rights and remedies as dictated by the FCRA. Should these infractions persist, I am fully prepared to take appropriate legal measures to address the situation. I anticipate a swift response within the 30-day timeframe stipulated by FCRA guidelines .

Thank you for your immediate attention to this matter. I trust in your commitment to conducting a thorough investigation and taking prompt measures to rectify this issue. 

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

On XX/XX/2021 XXXX XXXX XXXX XXXX maliciously placed a {$390.00} amount on my personal credit report with Equifax XXXX XXXX and XXXX. They have NO supporting documents or any evidence of me owing the debt.
Product: Debt collection

The company calls saying i have a dept of treasury debt i tell i dont they claim i do i tell them to sent me proof been over two months no proof and they continue calling when i told them to sto Company name CBE holding someone name XXXX XXXX
Product: Student loan

I was unemployed on XX/XX/2016 and Navient would not grant me a forbearance without making a payment of {$50.00}.
Product: Credit reporting or other personal consumer reports

My account with Equifax was 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 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. 


Equifax 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: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage pre-approval on XXXX with Better.com with the understanding that they don't do a hard inquiry. Their website clearly states that they do a soft-pull that doesn't affect my credit in any way, however, I received a notification through XXXX XXXX that a hard inquiry had been done with the bureaus, and my credit score dropped as a result. I did not authorize a hard pull and would like this corrected.
Product: Checking or savings account

I am a long-time customer at PNC Bank

. On XXXX XXXX XXXX, I attempted to make a XXXX transfer of {$500.00}. In error, two digits were transposed. A few days later, the recipient called to inform me they had not received the funds yet, which prompted me to call the PNC bank to report the issue as soon as possible. Prior to contacting PNC Bank, I tried reaching out to the phone number the funds were sent to in error and had no luck. PNC Bank took in my XXXX  dispute and advised me an investigation will take place and someone would contact me. 
As of today, XX/XX/XXXX, no one from PNC Bank has reached out, however I received a letter dated XX/XX/XXXX stating my claim was denied because according to their investigation, " The Transfer was valid and processed as instructed ''. 
I decided to contact PNC Bank to inquiry about the claim determination and to understand how this " investigation '' was handled when they never called me. I spoke to someone named XXXX, she transferred me to someone else named XXXX. XXXX then told me that the investigation was done by validating the information I had input while the transfer was being done through the online banking portal. To my surprise, I can not understand how they considered this an investigation because I told them it was a valid transfer that I was making, however it was sent to the wrong person ( I guess, I conducted my own investigation ). I also questioned her about how PNC Bank protects their customers from situations like this, and if there is no protection for the customer, then why are they providing such service? She stated the service is protected, however only for Unauthorized charges, which makes absolutely no sense to those who are conducting authorized transfers. She then transferred my call to someone named XXXX which stated she would escalate my complaint and have someone call me. 
As a long-time customer, I shouldnt feel the need to be treated this way ; I made a mistake and did what I thought was RIGHT, but here I am- out of {$500.00} because PNC Bank offers a service at the expense of their customers. PNC Bank shouldnt promote a service they can not back up or offer consumer protection- this should be illegal. 
I would like for the {$500.00} to be credited into my account as soon as possible- thank you. 

I can be reached by phone XXXX or email XXXX XXXX
Product: Credit reporting or other personal consumer reports

Navient has me listed as paid on time from XX/XX/XXXX thru XX/XX/XXXX but then lists me as 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX. This timeframe was listed as a forbearance and Navient stated in XX/XX/XXXX my credit report would be corrected but never was. I submitted a dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX with no response and again in XX/XX/XXXX with no response or correction to the my credit report. I even included a copy of my XX/XX/XXXX credit report to all three agencies. 

I received notice last month that Navient is no longer allowed to handle student loans due to a law suite . This error has negatively impacted me for over a year and is still impacting my ability to acquire fair credit. 

Navient, XXXX, XXXX and XXXX failed to what was required of them by law.
Product: Credit card or prepaid card

I have repeatedly reached out to XXXX XXXXCapital One Card to understand and reconcile a fair minimum payment that is due each month, but they refuse to lower my minimum payment. The minimum payment they expect each month is extremely high, egregious and unbelievable. I asked if I could pay {$560.00} each month for the remaining 11 month interest free promotion and they said no. I need to still eat and pay my mortgage, electricity etc. It's like they are forcing me to pay off my card in less than twelve months by having me pay {$830.00} per month. I've repeatedly shared I'm not dismissing my responsibilities and they are still getting a substantial amount of money each month. I didn't pay {$830.00} for the month of XXXX and I was only able to pay {$600.00} for the month of XXXX. I have a 100 % on time paying rate and now my credit score is going to be adversely effected by what's going on with XXXX XXXXCapital One Card. This is not honoring a true 12 month interest free promotion card. I don't know what this is or should be called. I have never had issues with a credit card before in my life like what I am experiencing now.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed than an account that was not reporting accurately. I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies have a duty to report all information with complete accuracy. This account has not been late on payments I have attached a copy of my report to this complaint on the following dates. XX/XX/XXXX, XX/XX/XXXX I am not requesting that an investigation is provided and that the CFPB provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand that these late payments be updated to paid on time immediately. Thank you for your understanding and prompt action in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports from Equifax, XXXX, and XXXX show a car repossession listed as an account that originated with XXXX and has a {$0.00} balance due. The original lender was XXXX and the account was sold to XXXX. XXXX XXXX This report and collection information is inaccurate and incomplete because : The amount stated in the collection is incorrect, and the balance is inaccurate. The lender sold the Vehicle at auction, the Vehicle had Gap insurance, therefore XXXX was paid for the difference between the sold price and the remaining due at the time of voluntary surrender. XXXX did not report the amount it sold for, and never disclosed the amount to me, they were paid by the GAP insurance company the difference between the selling price and the balance on the account. The original account has been adjusted to a {$0.00} balance. However, XXXX sold that account to XXXX XXXX XXXX for the amount of {$11000.00} While Equifax found the error after I reported the issue in 2022, and removed the account from their credit report, XXXX XXXX services are continuing efforts to collect on a debt that has been paid in full and reporting the delinquency to XXXX, and XXXX XXXX reporting agencies. This violation of FCRA laws has impacted my credit score for years.
Product: Credit reporting or other personal consumer reports

I examined my credit report and found that a late payment dated XX/XX/2023 from Capital One. 

According to Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A " late payment is consider a transaction ''. 

Account Name : Capital One Account Number : XXXX Please Update this transaction on XXXX XXXX XXXX  to current/terms met. It is affecting my credit worthiness.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiry from XXXX appearing on my credit report. I did not apply for any credit or authorize this inquiry, and it is negatively affecting my credit score. I request that this inquiry be removed immediately to correct my report and prevent further harm to my credit profile.
Product: Vehicle loan or lease

XX/XX/XXXX purchased from XXXX XXXX in XXXX XXXX Texas, a XXXX XXXX XXXX which was financed through Westlake Finance who are affiliated with this dealership with false advertisement of free warranty for power train which was added to finance charges among other charges such as tree planting. Warranty was void due to vehicle with history of previous accident written off by previous insurance. Vehicle deemed very unsafe to be in streets, had several malfunctioning to include wiring hanging underneath truck wrapped around frame that did not belong to truck, brakes, and malfunsunsage driving capability. Truck had replaced whole body frame, steering wheel and other parts that did not belong to original truck this voiding validity of warranty. Contacted dealership numerous times without responses. Told to return it to bank. Unpaid to have it towed back to dealership yet they charged me false charges for towing plus kept the reimbursement of warranty charged to me on contract. Placed complaint with XXXX  and XXXX XXXX who suggested I get a lawyer. This case is currently under dispute and served with a demand letter which they have not responded. I can enclose documents from my lawyer. I was cheated wi t my late husbands trading. Truck plus my down payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, I've been trying to get a few debts removed from my credit report. I've been disputing debts from XXXX, XXXX on my Experian credit report. I've been blocked by Experian to where I can't file another dispute with them and I've stated in each dispute and in a direct email that I never received a bill for these debts and that keeping fraudulent debts on my credit report is illegal and would be reported. To date, they still choose not to reply and not to remove them. I've contacted both Experian and XXXX and asked for information about these debts and I've received nothing from either one.. I want Experian ordered to remove these fraudulent debts from my credit report or to be held liable along with XXXX, XXXX if they do not comply. It's really quite difficult for a debt to be considered valid or verified if the consumer never received a bill or any information about the alleged debt.
Product: Debt collection

There is a collection on my credit from I>C systems for a medical bill that I do not owe. I called the hospital where they allege it is from and they confirmed that my insurance paid the bill and I only had a balance of XXXX. I paid the XXXX XXXX at TX XXXX the XXXX, However this collection agency refuse to remove this error from my credit. This has caused me to be denied credit and it is defaming my character. I asked I>C system to validate the debt and they refuse to do so
Product: Credit reporting or other personal consumer reports

Trans Union fail to remove a fraud account by XXXX XXXX XXXX XXXX  I caught them in a lie on a record line. They hung up in my face because I caught them lying to me about not receiving my FTC paperwork!! they knew that an FTC report was sent out on XX/XX/XXXX. Which the account was close on XXXX XXXX was the first to report that the account was closed. Transunion refuse to remove it because so called of lack of documentation which the documents was mail on XX/XX/2024 but they still fail to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card account that is more than 7 years old from the first late payment shown on my credit report. wrong late first payment date
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to properly report my mortgage account to the credit bureaus - although it is paid every single month, and has NEVER been late. Doing this has caused me to be denied credit - companies indicate that due to my not having real property/real estate on my credit file they can not extend me credit. However, I pay {$1500.00} monthly to XXXX - and get XXXX recognition of that fact. 

I have attached our most recent mortgage statement that does show that I am actually the primary on the account. 

XXXX claims that since I filed Chapter XXXX bankruptcy during the pandemic that they can refuse to report my paid as agreed mortgage - I do not see how this should be allowed.
Product: Checking or savings account

XX/XX/2021 there was a fraud committed on my account where fraudulent checks were in my name, not signed by me and deposited into my mobile banking account which made me delinquent to XXXX shared between my checking and savings. There was no investigation done on my case and I don't have the money that put in the account and taken out. I am not sure what to do. I want to keep my bank account and love Navy Federal 's services but they have not been any help within this situation and I need help with this Identity fraud. I am a full- time student and full-time employee I am very frustrated about these circumstances. Please let me know what I can do to get this cleared and not sitting on my credit.
Product: Mortgage

I applied for a short sale in XXXX XXXX and here we are in XXXX XXXX still waiting for bank approval and a closing date. I have been put under tremendous stress the past 2+ yrs. Bank of America has done nothing right by me. Their customer service is downright despicable and deplorable. One of the owners is a veteran ; to treat a member of our military this way is even more disgusting. We are getting a divorce and want to move on with our lives. BOA is doing nothing to move that process along for us. My file has been bounced from person to person and no one knows what they are doing! I spoke to a XXXX XXXX XXXX last week and was told that my attorney noted in XXXX on XXXX/XXXX/XXXX at XXXX that the buyer was getting a mortgage and pre-qual. This deal from day one was a cash deal and BOA was never told otherwise. My attorney provided me with a copy of an email she sent to the representative XXXX XXXX at that exact time and it did not state the buyer was getting a mortgage! It said the buyers proof of funds were sent to them and that it was a cash deal. How is it that BOA shows something different? I 'm going to say that they altered the XXXX notes to make it look like my attorney was screwing up my file. When in fact she has no admin rights to modify anything in XXXX. This is completely disturbing and unethical! BOA has been dragging this file on for years. I understand the VA needed a year to go through the modification process but we are well beyond that and a short sale should not take this long. I have asked for a copy of the Equator notes and BOA is refusing to release them to me. I have a right to see my file. My file was closed on several occasions as BOA said I failed to provide documents that they asked for. I have complied with every ridiculous request and have sent items multiple times! My attorney follows up daily and also sends documents over and over again. I can not express how horrible this company is! This is the very reason we have so many foreclosure in the US. BOA needs to be held responsible for their illegal and unethical practices! I want a full investigation into falsifying notes in XXXX. I can guarantee XXXX XXXX has the original and true copy of the email from XXXX in her deleted items to prove that either she or XXXX XXXX altered the email to their advantage and prolong my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts thats shown on my credit and that should not be list on my report.. these accounts where settled in my divorce.. 
The accounts are as follows XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus ' one by one without avail. I have called, asserted, and expressed my displeasure to the companies at large, on X/XX/2013. I was requested to send in a XXXX of my photo identifying me along with a recent bill in the name and social security number. I completely satisfied their demands. Only to wait thirty days to receive a reply from EQUIFAX stating that they needed more Intel to complete and/or look into my request. 

What the heck! 
I felt XXXX, discouraged, and disparaged at the least. 
All the credit bureaus ' have illegally hoarded my personal information unwittingly to my knowledge and without my consent in any form especially in written form as required. In pursuance to the XXXX privacy act all of the credit bureaus ' i have listed not limited to FICO, XXXX XXXX, XXXX, XXXX, & EQUIFAX have blatantly and intentionally violated all privacy rights and allowed my personal information to be leaked and disseminated due to their false and misleading ways. 

Relative to the Fair Debt Collection practices act all of the credit bureaus ' aforementioned in this complaint have maliciously and collectively worked in concert by unlawfully distributing consumer personal data for profitable gain at the expenses of pain and suffering of those so inflicted by the course of their willing and intentional violation. It is my request to have the CFPB to advocate on my behalf, to have all of my personal and sensitive data completely removed from every database my information is held by the aforementioned above. It is a great disgrace, that the aforementioned and above-mentioned engaged in pursuance of filthy lucre at the expenses of many consumers by such fraudulent means. 

I have suffered humiliation, XXXX XXXX and credit disaster because of it. It has greatly decreased my capacity to attain credit for housing, transportation, and it has incapacitated me from career opportunities. i have been XXXX and hospitalized because of it in the past. I request punitive damages for my XXXX, financial pain, and suffering -- also for the prevention of the huge number of failed opportunities these criminal violator 's have caused me. I do not consent to a class action suit. This is personal for me and I 'd like it to be addressed as such. I also would like to express my eternal gratitude for the CFPB protection of my family and household.