23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I just opened this checking account not a month ago and I just received XXXX notices that it and the associated savings account are going to be closed on XXXX/XXXX/2017 and the associated credit card has been XXXX out. I have barely gotten a chance to use this account and I do n't know why my membership is being canceled as the letter does n't state and the bank refuses to say. I have only had an overdraft using the protection because of their ridiculous hold policies and it was immediately paid. My husband 's account was closed before but I had nothing to do with that nor am I responsible for his behavior ( even though they could n't explain that either other than " unacceptable behavior '' ) and we are going through a separation so I need a separate account. I have a separate USAA membership number and I feel this is only for discriminatory reasons as they have always been rude to us because we are a XXXX couple. They have damaged my credit and if these accounts are not reinstated, I expect the hard inquiry and all traces of this credit card account to be removed from my credit report. This company now punishes relatives of USAA members they do n't like and ca n't give a reason for either.
Product: Credit reporting

XXXX 's account included in bankruptcy and discharged but still reports as a charge off. It was never a charge off. I disputed via credit reporting agency and the information is deleted then reinsert ed showing a balance owing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, last verified not correct, date last reported is not accurate, also date of last payment, balance owed and credit limit is inaccurate. This grounds for removal. 

These Accounts include : XXXX XXXX account # XXXX They also violated my rights under : 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. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from Equifax where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment regarding the unresolved issue of late open accounts and erroneous late closed and charged off entries on my account. Despite my persistent attempts to address these matters, I find it incredulous that I am now compelled to address them for this time. 

I demand immediate and decisive action to correct these egregious errors. I insist that the late open accounts be rectified promptly, and any erroneous late closed and charged off entries be removed from my account without delay. Additionally, I expect any associated adverse effects on my credit score to be remedied, and any fees or penalties resulting from these errors to be waived. Furthermore, I request a formal apology for the inconvenience, frustration, and financial harm caused by these repeated oversights. With this, I am asking for your assistance to remove the charge off and late closed and correct these late open accounts or fraud items in my credit file : XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be corrected. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - XXXX see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$710.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$79.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a zero balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

CARMEL FINANCIAL COR Inquiry : XXXX. 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, FL XXXX These companies are reporting hard inquiries on my XXXX credit report that I do not recognize. I do not have any open accounts with these companies.
Product: Credit reporting or other personal consumer reports

I looked at my report XX/XX/2024, and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it has to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. The account ( XXXX XXXX XXXX ) is not complete and accurate. 

( XXXX XXXX XXXX ) The account status, open date, terms, payment status, payment history and closing date is not correct. This account is not accurate. 

Under the Fair Credit Reporting Act, they violated laws such as section 611 and 15 USC 1681i 7.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX XXXX, XXXX- Inquiry Date XX/XX/XXXX ;
Product: Mortgage

We recently requested copies of our Escrow Review Statements, as well as copies of all account transactions occurring with our loan for the past three years. After reviewing the documentation, we have found that Wells Fargo is in breach of contract. The original terms of our escrow account and shortfall established by Wells Fargo Home Mortgage was for 60 months. This is confirmed in a previous Escrow Review Statement, dated XXXX XXXX. The Escrow Review Statement dated XXXX XXXX, XXXX now states our shortfall is to be paid in 12 months. The revised shortfall also includes mortgage insurance, which we have opted out and do not pay through escrow. 
We have a 60-month agreement that is not being honored. The demand for a change to 12 months is now a breach of that agreement. 
On XXXX XXXX, XXXX we sent Wells Fargo a letter describing the current breach of contract with us on our loan. On XXXX XXXX, XXXX we received a letter stating that they needed more time and that we should hear from them by XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received a letter describing what they already knew regarding our mortgage insurance, but the breach of contract with the escrow account was not addressed in that letter and we have yet to receive any additional correspondence from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's XXXX XXXX XXXX XXXX credit card on my account that were paid and closed on XXXX. However XXXX XXXX XXXX kept the credit cards open until XXXX, and XX/XX/XXXX to accumulate more fees despite the cards to my knowledge been closed on XXXX. Now the cards is showing on my credit report as both late and charge off on XXXX and XX/XX/XXXX when this information is not accurate because the account was paid and closed on XXXX and XX/XX/XXXX. 
I need the XXXX XXXX  XXXX account to report the accurate closed date on my XXXX and Transunion credit report and to show as paid and closed because they where paid and closed on XXXX and XX/XX/XXXX.
Product: Checking or savings account

I am writing to file a complaint against the Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorizing, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate eviction record on my credit report. The eviction ( XXXX ) was filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The eviction was paid in full through the court on XX/XX/year>, as evidenced by the receipt I received from the court, which I have attached for reference. Despite this payment, the eviction remains listed as unpaid on my credit report, which has caused significant hardship, including being unable to secure new housing. 

I have attempted to resolve this issue directly with XXXX XXXX XXXX, but they have denied receiving the payment and have refused to update my credit report. I am seeking a resolution that reflects the accurate payment status and removes the eviction from my credit report. 

Dates : Date of Payment : XX/XX/year>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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ 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

The efficiency and prompt attention of CREDIT BUREAUS to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be FIX immediately in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX  XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX XXXXBalance : {$4600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXBalance : {$4800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXXXXXX XXXXBalance XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

While most state harassment laws do not require the victim to formally request the harasser to stop, some documentation goes a long way in establishing your displeasure with the offender 's actionshence the cease and desist letter. ... A cease and desist order is given by a judge to order a person to stop a certain act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, The list of accounts below has violated my Federally Protected consumer rights to Privacy and Confidentiality under 15 USC 1681 XXXX  XXXX Account Numer XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX 15 U.S.C 1681 Section 602 States I have the right to Privacy 15U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than a record of convictions which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 or other personal consumer reports

XXXX XXXX  {$3800.00} REMOVE ACCOUNT XXXX XXXX XXXX {$25000.00} REMOVE ACCOUNT XXXX XXXX XXXX$10000.00} REMOVE ACCOUNT XXXX XXXX  {$1100.00} REMOVE ACCOUNT XXXX {$760.00} REMOVE ACCOUNT XXXX  XXXX {$3400.00} XXXX  XXXX {$1500.00} I requested for the credit bureaus to send copies of documentation with my signature of the accounts they claim I owe and they refused.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and found two late payments listed for an account that was never late. Consumer reporting agencies play an important role and must report information as accurately as possible. According to 15 USC section 1682e. I have never been late on the payments for the accounts shown in the attached screenshot for inaccurate reporting from dates XX/XX/year> ( shows okay on XXXX but shows 30 days late on XXXX ) XX/XX/year> ( shows okay on XXXX but shows 30 days late on XXXX ) Please investigate and provide statements proving these payments were late. If you can't provide proof, I request that these payments be updated to " paid as agreed '' since they were never late. Thank you! Please see the attached screenshot.
Product: Debt collection

starting a XXXX they start calling every 1.5 to 2 hours. The calls are automated and will not stop. Even after I call them back and talk to someone about the payment they say the call will stop they continue. I understand I late on my payment and I always get it paid before the next on come s up and I run a company and unfortunately not everyone pays me when they should so it gets hard for me to pay my bills on time sometimes. I have also told the company that they cant call me during working hours XXXX XXXX to XXXX XXXX   weekday but the call continue. Today is the XXXX of XXXX and I have already revived 2 calls this morning before XXXX XXXX. This in my opinion is extreme harassment, if I ran my company like this I would not have any customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX FKA XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I request the immediate blocking and permanent removal of the following fraudulent accounts and unauthorized inquiries from my credit report.

Fraudulent 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 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 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 XXXXXX/XX/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 XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am XXXX XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT # XXXXXXXX is trying to collect on an unknown debt in the amount of {$1000.00} dated XX/XX/2015. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Product: Vehicle loan or lease

On XX/XX/2021 Toyota Financial Services received a check for a payoff of my lease. On XX/XX/2021 as seeing the account was still open and showing past due, I called Toyota Financial Services to inquire about the status of the payoff. I was told that Toyota was missing the odometer statement that was needed for payoff and once the odometer statement was received the account would be closed and paid off. On XX/XX/2021, I called Toyota Financial Services to check on the status of the account and odometer statement. I was advised the odometer statement was received and the account was heading towards being paid off and closed which would happen by XX/XX/2021. On XX/XX/2021, seeing the account was still opened and still being reflected as past due, I called and was advised the account was in the process of being closed and paid off yet again. On XX/XX/2021, I received a call from Toyota 's Collection Department stating the account was 29 days past due. I informed Toyota that they received a payoff dated XX/XX/2021 and the account wasn't past due, that Toyota needed to do their job and process the payoff.

Toyota has engaged in unfair and deceptive practices as not to process the pay off of the account. Toyota has financial harmed me by having this account reflect as past due and reporting a 30 day late payment to the credit bureau, which is factually incorrect. Toyota continues to cause financial harm to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ XXXX  ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]