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

LEGAL NOTICE SUBJECT NOTICE OF INTENT TO FILE ARBITRATION FOR CONSUMER REPORT VIOLATION To Whom It May Concern : I hope this letter finds you well. I am writing to express my concern regarding the accuracy and integrity of the information contained in my credit report, which is maintained by your agency. I wish to emphasize my commitment to fair and accurate consumer reporting. These violations have had an impact on my Creditworthiness and have caused me undue financial hardship and emotional distress. After careful review of my report, I have identified several instances where the information provided appears to be in violation of the Fair Credit Reporting Act. I have sent several letters trying to fix this matter which you have willfully neglected my attempt to rectify this matter. I have kept dates and responses provided via CFPB portal. 
I also want to let you know the original agreement. The Arbitration clause within agreement outlines a mechanism for dispute resolution that's we both agreed upon. Its hope that we can resolve this matter amicably and avoid the necessity for Arbitration, which will result in substantial cost and fee for us both because this is causing me a lot of issues in my financial Life. 
I propose the following options for resolution : Option XXXX : remove the following items reporting inaccurately below : XXXX. XXXX ACCOUNT XXXX XXXXXXXX XXXX. This account is reporting inaccurate please delete or pay fine of {$1000.00} per violation XXXX. Option XXXX : Initiate Arbitration 4. Should your Company prefer not to remove the flowing items above, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. This process may entail substantial costs and fees including my filing fee, your filing fee, Arbitration initiation fee and arbitration deposit, and any legal costs incurred during the arbitration process. 
XXXX. I believe that an amicable resolution is in the best interest of both parties, however, I am prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit reporting. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposit check by Mobile deposit on XXXX with {$250.00} and the check has my name on it and deposit it in my checking account in TD Bank and on XXXX that money token from my account and i called bank many times and for each call they said diffrenet reasons and one of reasons that i deposit the check two times and i didn't and i have prove from the bank that i didn't but last call they said in XXXX the check deposit in diffrenet place ( it is not me ) ... and i am not trust the bank and trying to neglact me many time, ,even if somebody found the check and deposit it ( for who this check and with whom name and who deposit it first ) ..check number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax divulged my protected personal information due to a security breach that could have been prevented with proper security tools. I have submitted fraud alerts for both myself and my wife. I will continue to monitor my credit report to ensure that our information is n't used to steal our identities.
Product: Vehicle loan or lease

Hello, Called Alliant Credit Union to respond to forced place insurance notification dated XXXX and remained on hold for 15 minutes with a consumer representative that could not verify through various questions for authentication. I had asked which of the previous 6 or 7 questions had failed so I could clarify. Without any progress after 30 minutes on hold and failing to verify authentication questions, representative requested that I give my phone number for a callback. With no return call back after customer representative assured me of a call back, I emailed asking for assistance for an immediate refund to my account. 

Alliant has violated their fiduciary responsibility by force placing insurance. Vehicle already has full coverage for comprehensive and collision with deductibles lower than their maximum requirement. I received no notifications prior to XXXX regarding a request for proof of insurance. I received no phones calls either. 

Why would Alliant force insurance without contacting us first?

This has negatively affected my credit rating as my balances are now reflecting higher due to your the cost of insurance forced on the vehicle that now has redundant coverage. 
This has negatively affected my loan balance as additional fees and interest are accruing based on their actions without any proactive actions on their behalf to confirm coverage prior to forcing insurance coverage We request that a refund be executed to the account immediately including fees and interest. 

Thank you.
Product: Checking or savings account

I had a fradulent charge to my huntington Debit card on XX/XX/17, have called them and filled out and sent in all documentation to show the purchase of {$750.00} dollars was made against my knowledge and the bank still will not return my money, they gave me a temporary credit which they say they are now revoking, even though I sent all of my dispute information to them several times. Awful treatment by a company i have banked with for 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/2018, I received a credit monitoring notification that an address was removed from my Equifax credit report. After reviewing the alert, I realized that Equifax removed my current address. I did not authorize this change as this is my only and current place of residence. Equifax has a copy of my driver 's license and utility bills from prior interactions and I did not change my address from the current one with any of my creditors, so there was no reason for this change. I'm not sure what fraudulent activity is going on with my report, but I need Equifax to update this error immediately and send me a copy of my credit report to my address. This is the ONLY address Equifax should have on my file. I do not have this issue with XXXX neither XXXX.
Product: Money transfer, virtual currency, or money service

Was scammed for XXXX by an individual by submitting a deposit to their account at Wells Fargo from my account at Wells Fargo. Made deposit on XXXX21 ... .found out and notified Wells Fargo on XXXX21 and asked them to challenge transaction. Followed up on XXXX and Wells Fargo said there isn't anything they would do that it becomes a civil matter ... even though they have the ladies account info and everything..they wouldn't freeze her account or take any other action for me. Doesn't seem appropriate ....
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX It has come to my attention that this account is still being reported as late, despite having been charged off. According to FCRA guidelines, once an account has been charged off, no additional late payments should be reported for that account. Continuing to report late payments after the charge-off date constitutes inaccurate and misleading information, which is prohibited under the FCRA. 

Specifically, under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of information, such as creditors, are required to report accurate information. Furthermore, the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

The account in question has been reported as having late payments after it was charged off. According to the FCRA, specifically Section 623 ( a ) ( 5 ), creditors must report accurate information about accounts and any account that has been charged off should not have late payments reported afterward. Additionally, Section 1681i of the FCRA mandates that credit reporting agencies must investigate disputes and correct or remove any information that is found to be inaccurate or incomplete.

I respectfully request that you : 1. Investigate this matter in compliance with FCRA guidelines.

2. Remove any incorrect late payment entries reported after the charge-off date.

3. Provide me with a written confirmation that the errors have been corrected.

Requested Action : Investigation and Correction : Please investigate this matter in accordance with Section 1681i and correct the inaccuracies related to this account on my credit report.

Written Confirmation : After the investigation is complete, kindly provide written confirmation of the results and the actions taken to rectify the inaccuracies.

Removal : Remove any incorrect late payment entries reported after the charge-off date. the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

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

This is 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX/XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

My direct deposit was supposed to come in on XX/XX/year> due to Capital Ones early deposit policy. When it didnt arrive, I waited until Friday ( the actual date of my pay-day ) XX/XX/year> to have concern. After reaching out and doing some research from others in this position, its being said that our deposits might not arrive until Tuesday XX/XX/year> because XXXX XXXX is Monday. I can not wait this long for my money to arrive - I have bills due and an empty fridge. Capital One ensures your deposits by the day theyre scheduled- if not one day early- and as a result my financial planning is completely wrecked.
Product: Credit reporting, credit repair services, or other personal consumer reports

My service provider granted me a XXXX forbearance on my XXXX loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a XXXX month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to XXXX fixed loan. 

However during the XXXX months of the trial period, my credit account was reported to the credit bureau as XXXX, XXXX and XXXX days late even though all payments were made on time as directed by the service provider. 

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the XXXX, XXXX, XXXX  day missed payments from my credit report
Product: Checking or savings account

XXXX XXXXXX/XX/XXXX I had an unauthorized check clear from my mountain America credit union business account for {$10000.00}. I reported the check fraud to my bank on XX/XX/XXXX and they told me they would return the funds in 7-10 business days. Once that time had passed I called again and they told me because I didnt report the unauthorized check within XXXX that there was nothing they could do. Once they finally provided me with an image of the check, I saw that does not have my name anywhere on it, or my signature. It was made out to XXXX XXXX XXXX XXXX. I tried reaching out to this bank and they would not speak with me, they told me my financial institution must reach out to them, but they are not helping much with the investigation. Ive made a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account ALLY FINANCIAL Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XX/XX/2021
Product: Credit card or prepaid card

On   XXXX     I had a balance of  XXXX  on my Comenity Bank  Credit  account  (    XXXX   XXXX   XXXX    ). I paid off my account balance in full that day. Not my statement balance, my account balance. My account balance was  XXXX  on  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX   I received a statement saying they went back to the  XXXX  and assessed a late fee and have charged me 28 % interest for that fee even though I had a   XXXX    balance on  XX/XX/XXXX   . So I 'm being retroactively charged late fees, and being charged a month 's interest on that fee in under a week when the account should be closed. Had there been a late fee on the  XXXX , it should have been in my account balance on the  XXXX .     I do not believe this to be just. They 're trying to rip me off on my way out the door hoping I would rack up more interest and fees thinking I was done with them.
Product: Student loan

I am former XXXX student, XXXX XXXX XXXX most of my loans tied to XXXX. 
I discovered there was private loans, managed through Navient ( Sallie Mae ). I am challenging the loan as the school ( XXXX ) was found to be a predatory school and want to challenge Navient private student loans
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I was a victim of romance scam, I may not have the best judgement with my XXXX. But none the less I was scammed.
Product: Checking or savings account

I am writing to address fraudulent withdrawals that took place on my credit card from XX/XX/XXXX to XX/XX/XXXX. I have attempted several times in the last year to contact wells fargo to investigate the issue and they have been reluctant to do so, providing only the basic documents and denying any additional research into the fraud. I reached to assistance with a financial counselor on XX/XX/XXXX of this year and the company was unwilling to take any additional steps to research the claim. Essentially, someone, pretending to me made a series of cash advances using my credit card. Through my conversations with wells fargo, these were conducted at atm 's in wells fargo branches. My claim that this is fraud could be easily verified by reviewing the camera footage at the atm. However, they are unwilling to address this issue. I am a senior citizen on a fixed income and am struggling to maintain my home. While these issues individually are not catastrophic, the cumulative impact of this issue has resulted in significant financial hardship. I have attached copies of statements, the items in question highlighted. However, in summary the following items are in dispute : XX/XX/XXXX - {$56.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - XXXX XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$700.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$600.00}
Product: Checking or savings account

I have asked XXXXXXXX XXXX, a.k.a. cash app to close my account multiple times, and they have refused as I have an outstanding balance. I have demanded that they close my account and send the outstanding balance to collections. They still have refused to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails from XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX stating that I have new hard inquires on my credit reports that I did not authorize. I have not applied for new loans or credit cards in almost two years now and did not authorize any of these credit reporting services to run my credit. The following are the companies that it says ran my credit : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

Select Portfolio Servicing this company charges you XXXXXXXX XXXX to pay your mortgage every month, i am unable to get on the website even to pay my mortgage and the company will not help. They hold your mortgage statements til the end of the month so that your mortgage will be late if you send it in, and even then they will hold your mortgage payment until the due date has passed so that the payment is made late. This is NOT random, it happens every single month. This company has got to be breaking the law, and i am at my wits end, all i want to do is pay my mortgage in a timely manner, and they truly make it impossible on purpose. PLEASE HELP!!!!!!
Product: Debt collection

On XX/XX/XXXX i got a bunk bed from some place on credit they sold my debt on XX/XX/XXXX. I have had this removed off my credit report. All of a sudden i got served.
Product: Vehicle loan or lease

I am a XXXX XXXX XXXX Veteran and Because of my illness and how fast the process went when purchasing this vehicle I was unaware that this vehicle would almost double before I could pay it off due to unforeseen interest rates that I was not made aware of when I purchased this car. My credit score was a XXXX and the Interest rate is too high for my credit rating. Now, I can not even afford my own home because my debt to income ratio because of this car is too high. I can't even refinance it for a lower rate because all of the lenders and rejecting me because I owe too much for this car still after paying my note for about 2 years and still owing XXXXon a XXXX XXXXXXXX XXXX. Please help me I am homeless. Also, My name is incorrect on their contract which they have as XXXX my last name is XXXX therefore makes this contract null and void. Which shall show as proof that I did not agree to the high interest rates of credit acceptance. And it was signed using an electronic signature that the dealer asked me to sign agreeing to pay XXXX for the car. I never was presented with the XXXX contract for this car.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

UPON ME LOOKING AT MY CREDIT REPORT ON XX/XX/2024 I DISCOVERED WRONG ADDRESS AND ACCOUNTS