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

Subject : Demand to Cease Unauthorized Credit Reporting Under New Jersey FCRA and Identity Theft Laws Dear American Express, I am addressing a serious matter involving the unauthorized reporting of information to my credit report, which violates provisions of the Fair Credit Reporting Act ( FCRA ) as per Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as pertinent New Jersey laws concerning identity theft and credit reporting.

It has come to my attention that American Express has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, which is a clear violation of federal law under the FCRA, specifically mandated by Section 1681b ( a ) ( 2 ). 

Additionally, New Jersey state law, including provisions related to identity theft and consumer protection, requires explicit consumer consent for such credit reporting activities. This unauthorized action not only disregards my rights but also poses potential harm to my creditworthiness, contravening both federal and state statutes designed to safeguard consumer information. 

I unequivocally state that I have not provided consent for American Express to report any information to my credit report. This lack of explicit permission constitutes a direct infringement of my rights and demands immediate corrective action in compliance with Section 1681b ( a ) ( 2 ) of the FCRA and relevant New Jersey laws. 

Therefore, I demand that American Express immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by law. Failure to comply within the stipulated 30-day period will be interpreted as willful noncompliance, subject to penalties under applicable federal and New Jersey state laws governing identity theft and credit reporting. 

Compliance with these legal obligations is not optional but mandatory under federal and state regulations. I urge ( company name ) to rectify these violations promptly and respect my rights as protected by law. 

I expect your immediate attention to this matter and trust that American Express will take swift action to address and resolve these issues in accordance with federal and New Jersey state laws. 

Done in good faith,
Product: Credit card

This account was charged off which means it was already paid for and should be removed from my credit report. Plus i need a signed copy of the original contract with my signature and the company signature because information is incorrect on my report.
Product: Student loan

I have my student loan on a monthly autopay through my bank. Moheka has misplaced my payments for XXXX and XXXX but eventually located them. This time my XX/XX/year> loan payment to Mohela has never been located and Im now receiving late notices on my account!
Product: Mortgage

I discovered that Valley National Bank ( the lender ) for the mortgage for our co-op in XXXX has been incorrectly calculating interest on our mortgage which has resulted in an overcharge of interest of approximately {$1200.00} in one year ( the allocation of our payments between interest and principal was incorrect ) and a total overpayment of {$100.00}. I have spoken to 3 different people at VNB over the past 10 days who have committed to refunding the money and crediting the principal to our account and have yet to receive the documents requested ( an amortization table to demonstrate what our principal should be using the correct interest calculation as outlined in our loan agreement ( 12 periods of 30 days ) and the refund check ). The loan officer ( XXXX XXXX ) has explained that this was a manual mistake relating to setting up the loan ; however, my concern is that there is a broader internal control issue at VNB and more co-ops might be overcharged interest. I also think that XXXX XXXX needs to be reminded to be more sensitive to his customer 's concerns. On a call with him, I found him rude as he kept interrupting me, speaking over me and at one point said I sounded litigious ( which I do not know where that came from as I have no intent of entering into any type of litigation ). I have also just received a text from him telling me that I was rude.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX, XXXX ) In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Account name : XXXX, Account number : XXXX
Product: Debt collection

Company has repeatedly contacted a family member of mine. They have told them about my debt which violates the law.
Product: Checking or savings account

Issue : Well Fargo Lost ATM Deposit Check Wells Fargo branch ATM machine took my deposit check when I attempted to deposit funds and gave an onscreen message indicating that the deposit check was jammed and would not be returned. Please note, the check fit the size of the intake entry and received no messaged indicating any issue with the check before the machine ingested it. 
I then received a message stating We are already working to credit your deposit. Here is what you need to know : - You do not need to take any further action- We have credited {$0.00} to your account as a placeholder- We will fully credit your account withing 2 business days - If you have any questions, please call ( XXXX ). We apologize for your inconvenience. 
I was then given an option to print the ATM receipt which I did and have in my records. 

Date Deposit Attempted : XX/XX/2023 Check Amount : {$17000.00} Escalation : 1. Went to the local Wells Fargo branch at XXXX XXXX XXXX, XXXX, TX XXXX, and the local bank stated that they can doing nothing as the ATM machine is serviced by XXXX. I then asked what can I do and they said to call the number on Wells Fargo ATM receipt. 
XXXX. I contacted Wells Fargo at XXXX and the customer agent created an investigation claim Wells Fargo Claim No : XXXX XXXX. I have then been receiving automated system messages from Wells Fargo indicating that the claim is still under investigation. I received a missed call from a XXXX, AZ, location on Thursday, XXXX XXXX XXXX and I called that number back on Friday, XXXX XXXX XXXX, providing my phone number, name, and requesting their call back. 
XXXX. Note : Other than the automated messages, I have not received any other correspondence from Wells Fargo and not even a voicemail or text though I have provided all my contact information to them
Product: Credit reporting, credit repair services, or other personal consumer reports

RADIUSGLOBAL SENT MY NAME TO COLLECTIONS ON XX/XX/21. I DON'T THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WELLS FARGO HOME MOR which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO HOME MOR 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

To Whom It May Concern, I have tried to fix this issue with my credit report with XXXX, XXXX and Equifax. To no avail even after I sent in my FTC report and Affidavit, I complained to the XXXX XXXX XXXX Now my only resort is to file a complaint with the Attorney General 's office and the CEO of XXXX, XXXX and Equifax with how their companies continue to break laws and my XXXX rights! I have sent in 609 letters ( multiple ), FTC reports, Affidavits and more 609 letters to have the inaccuracies, fraudulent accounts and inquiries removed/blocked from my credit report. I have added fraud alerts to all 3 bureaus. My name is XXXX XXXX and no other names should be on my report! 

This is my last attempt to have this corrected and I will be suing XXXX, XXXX and Equifax. 

I have requested that you correct the payment history on my XXXX XXXX - Account XXXX ( I never once paid late ) correct this asap! XXXX - account XXXX also needs to be removed from my credit report! That is an unauthorized account! Respect my XXXX FCRA laws, I know and you know that all fraudulent accounts must be blocked within 4 days of receiving this XXXX notice. I am sick of your XXXX and stalling tactics! You actually wrote to me saying that I did not authorize you to correct my report! I, XXXX XXXX, am giving XXXX, XXXX and Equifax authority to correct my got XXXX credit report! I have attached all the documents! I have also attached my social security card, government issued ID, my proof of residence ( my health insurance ), and whatever else is needed!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization 2 times. I did not grant this company authorization to review my credit report. Furthermore, I have an active fraud alert on my credit report. The FCRA requires that upon seeing a fraud alert on a consumers file, you must take steps to verify my identity and confirm that I am in fact the person making the application for credit. I was never contacted by your company at any time. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me a letter indicating your intention to delete the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX XXXX XXXX reported my account as " 30 days past due '' which was incorrect. I'd never paid my account late. I contacted them directly and they refused to update my account status. I then disputed the inaccuracy of their reporting directly with each credit bureau which then confirmed through XXXX XXXX XXXX that the status was accurate, but it is not. Additionally, each credit bureau is reporting a different " delinquent payment '' month which further process the inaccuracy of the reporting. 

In XX/XX/XXXX, Receivables Performance reported a collection account to XXXX on behalf of XXXX. I directly disputed the validity of this account with the credit bureau with no resolve. Additionally, I contacted the collection agency by mail since I'd not received any formal communication about this alleged debt prior to reporting which is a violation of the FDCPA. I've yet to receive a response from the collection agency and the account remains on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed several items on my credit report and they have n't responded with any proof or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been some reports on my credit score that i do not recognize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX2024 TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Unauthorized Charge-Off [ TransUnion File Number : XXXX or Social Security Number : XXXX ] To Whom It May Concern, This letter is a formal demand to remove an erroneous charge-off from my TransUnion credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Truth in Lending Act ( XXXX  ). 
Upon reviewing my credit report, I have identified the following charge-off, which is inaccurately reported : Creditor Name : [ XXXX XXXX  XXXX XXXX Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally obligated to maintain accurate information on credit reports. The charge-off in question is not only inaccurate but also appears to be an erroneous entry for which I have received no valid notice or proof of accuracy from the creditor. As such, this charge-off is in violation of federal law and is causing significant harm to my creditworthiness. 
Furthermore, under XXXX, 15 U.S.C. 1601 et seq., creditors are required to provide clear, accurate disclosures of account activity, including any actions that would result in a charge-off. I have not received proper disclosure, nor did I receive any legitimate notice in accordance with XXXX  guidelines regarding this account. Therefore, I am formally disputing this charge-off and demanding that TransUnion take immediate corrective action by removing this erroneous entry from my credit report. 
If TransUnion does not remove this inaccurate charge-off within the time frame mandated by the FCRA, I will not hesitate to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I will seek legal remedies as outlined in 15 U.S.C. 1681n for willful noncompliance with the FCRA, including seeking compensation for damages caused by this inaccurate reporting.

I expect written confirmation of the removal of this charge-off from my credit report, as well as a copy of my updated credit report, within XXXX  days of receipt of this letter. 
TransUnion has an obligation under federal law to ensure that all information on my credit report is accurate, verifiable, and reported in compliance with both the FCRA and XXXX. I expect immediate action to rectify this violation of my rights.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA 611 ). 
The account listed below is reporting incorrect details and must be removed immediately. 
Account Name : XXXX XXXX Account Number : XXXX 1. Balance Reporting Error - The balance is reporting as {$0.00} but is still listed as a charge-off. If the account was sold, the charge-off should not be reported under XXXX XXXX XXXX 
2. Verification Failure - Under FCRA 609, please provide a copy of my original signed agreement with XXXX XXXX proving I am liable for this debt. 
3. Metro 2 Compliance Issues- The Date of Last Activity ( XXXXXX/XX/year> ) is inconsistent needs verification.
Product: Mortgage

I fell behind on my mortgage last XXXX. I used all of my saving to pay for my fathers funeral arrangements, but I did n't expect that my business would slow down ( I 'm XXXX ). I have been applying for a loan modification since XX/XX/XXXX with M & T Bank. I have applied and been denied 8 times and every time it was something different as to why I got denied. Each underwriter I have dealt with has requested something be done differently, for example, one underwriter wanted me to resubmit all bank statements because each deposit was n't circled when I had applied 4 times before that with no problems, another one said they could n't use my XXXX account as income because it was n't a business account when I was told in the beginning just to deposit money in my accounts and it did n't matter which ones as long as they could track my income ( and again I had applied before with no one having a problem with using both accounts ). I have yet to be given the correct way to apply because it always changes depending on what underwriter is looking at the application. Up untilXX/XX/XXXXof this year, they were including extra items in my expenses ( such as student loans, etc ) that were not supposed to be there ( because they are not due ), which cause me to be denied due to not enough income. I finally spoke with a supervisor who went over all the expenses etc as to why I was denied. She also told me they were taking out 13 % taxes but I was already taking out my own taxes before giving them an amount. So the following times I applied I sent proof of the student loans not being due and that other accounts were paid off. Recently I was denied again, now they are telling me that the tax rate is 25 % and here again I thought I was supposed to subtract my own taxes but that was n't the case. I am really trying to save my home, I have been here 10 years and never missed a payment until last year. I was still making monthly payments until XXXX when they changed investors and would n't allow me to make 1 monthly payment. I refinanced my home in XXXX and have been with M & T since then but it seems as if they do n't really want to help me save my home. All I am asking is for the past due to be put to the back of the mortgage so that I can continue to keep my home. I just recently submitted a new application on yesterday and hope that it was done correctly because again I have been applying for a year with the same information ( other than my income fluctuating ) and been denied for different reasons each time. I have not been given the proper guidelines as to how to apply and here I am almost at foreclosure. Can someone please help this company needs some consistency within their underwriting department but you 're not able to speak with anyone in that department.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recurring automatic payments established on the account were all processed with exception of the final payment. 

I have been back and forth with Fifth Third Bank since XX/XX/2018, regarding the fact that they acknowledge quote/unquote, " We are in agreement with you, with regards to your reoccurring payment, it had been previously accepted and should have been accepted in XX/XX/2018, '' Had they accepted my XX/XX/2018, final reoccurring payment, we would not be having this complaint, along with all of the distress and adverse actions that I and my family have suffered due to this bank not accepting/processing my payments until which point they could create a 30-day delinquency entry on my credit bureau file report. 

This information is not accurate ; there were two separate attempts to finalize the last payment, both prior to XX/XX/2018, and just as recently stated in an email from one, Ms. XXXX XXXX XXXX ... " ... the interruption in your payment is the only reason to remove the delinquency. '' Well, this was interrupted, and so, therefore, they need to remove this delinquency ( just as stated by her own words ). Why hasn't she? This has already cost me the recent opportunity to close on a new home, due to the blemish on my credit and fall of my FICO/credit scores resulting ... 

I also certified them a letter in addition to several phone contacts, emails, and more. I have also been the subject of discrimination in the past with this institution, and believe this is much of the same, and I recently raised this issue again. Please examine their past track-record ( s ) as well as mine. I also will provide similar documentation as I have given them in advance, as well as been repeatedly cooperative, with no resolution yet in sight. 

Lastly, allow me to also point out that just prior to the interruption in the reoccurring automatic payments, there had been an account number change, where, the original Platinum MasterCard number ending in # XXXX was changed to a new Trio Mastercard number ending in # XXXX. This change was not of my request or doing, and the interruption to ongoing payments not getting processed is an internal issue that I can not resolve for them. As a result, this posted delinquency to my credit file is long overdue to be removed and never should have been posted to my credit and all bureaus in the first place. 

The bureaus have also been contacted and I will continue to escalate this right to the point of legal action if necessary until the corrections to their mistakes have been updated and removed from all of my credit bureau reports, and my credit is once again restored as it should have been previously, prior to this misrepresented and inaccurate information that was reported. 

This is an attempt to hold any and all organizations liable, that have failed to enforce the correct reporting of my records and/or amending such, without further delay. Thank you.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} date opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX - Account # XXXX and XXXX XXXX XXXX  - Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an updated credit report today XX/XX/18 from experian now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with experian correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX  XXXX XXXX was to be deleted as well but is still appearing on my report.