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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of Charge-Offs from Credit Report Under 15 U.S. Code 1681 ( c ) ( 2 ) Dear Sir or Madam, I am writing to formally request that you delete certain charge-off entries from my credit report, as provided for under 15 U.S. Code 1681 ( c ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ). The entries in question are listed below : Creditor Name : XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Date Reported : XX/XX/XXXX Under the FCRA, charge-off information that is reported on a consumers credit report can be removed after seven years from the date of the initial delinquency. Based on my records, these charge-offs should no longer be reflected on my credit report as the time limit for reporting has expired.

As per 15 U.S. Code 1681 ( c ) ( 2 ), I am requesting the removal of this outdated information to ensure my credit report is accurate and compliant with federal law.

Please confirm receipt of this request and provide written confirmation when these charge-offs have been deleted from my credit file. If you require any additional documentation, feel free to contact me at ( XXXX ) XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX Account number XXXX
Product: Mortgage

The loan was past due and XXXX XXXX XXXX applied for a loan modification with our Firm, a complete modification package was submitted to Ocwen Loan Servicing, LLC onXX/XX/XXXX, by XX/XX/XXXX we received a denial letter which stated the file was denied due to the account being more than 90 days past due ( Helping Homeowners Modification ) and option not approved by your bankruptcy attorney ( streamline Modification ).
We requested clarification as to the Bankruptcy portion of the denial letter as we represent XXXX XXXX XXXX and again a vague response as to consult with the bankruptcy attorney, After reviewing the denial letter with the bankruptcy attorney, XXXX XXXX XXXX XXXX. and she advised the denial is wrong and she has every right to apply we appealed their decision as we are the bankruptcy attorney of record and to please review the file on it 's financial merit.
On XX/XX/XXXX XX/XX/XXXX our Firm received another denial letter which had additional information but again stated XXXX XXXX XXXX was ineligible for the Ocwen streamline modification program due to an active bankruptcy.
Product: Vehicle loan or lease

Still waiting on my title from Hyundai. I've faxed and mailed the IL 556 form several times and haven't received anymore info in regards to sending me my title. I've done everything that I'm supposed to do and still have nothing.
Product: Debt collection

Debt collection agency contacted my employer stating that they needed permission to serve process at my job. When I received the contact information of this agency I called them and was informed that they contacted my employer because they would be garnishing my wages at the maximum amount that the state statutes allows. I inquired as to whether or not the agency had received a judgement allowing such and their representative stated that they were beginning legal actions and that no such judgement had been entered.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting 5 late account in the Account Summary on my credit report and they are not any late payments. This effecting my credit score and they need to be sued. I have requested this correction to be fixed over a year now. 

Please see attachment and why do I have to wait 60 days for them to correct this issue.
Product: Credit card

My XXXX XXXX  credit was transferred to a new financial institution, but correspondence from the credit comenity bank was not communicated there was no correspondence about the new account information whilst the account missed several billing cycles in the process since it was scheduled on automatic payments with last credit card also a new card wasnt sent from comenity bank until XX/XX/year> but even with it activated the comenity online bill payment and statement portal doesnt recognize the card information provided by comenity or my social security number but the institution has reported missed payments to credit bureau but have made my account inaccessible to make payments on this is unacceptable
Product: Debt collection

They are repeatedly contacting my work phone number multiple times a day, almost every day. I have told them XXXX times that the person they are trying to reach no longer works here and has n't for 3 years. The calls may stop for a few days, but then start up again.
Product: Debt collection

I had noticed a charge on my credit report for LVNV FUNDING I had no idea what that was so I sent a debt validation letter to them last summer XXXX which they did not respond to. The very first time I was contacted by LVNV Funding themselves, it was to be served because they were suing me XX/XX/XXXX. The case had a set date I believe XX/XX/XXXX and then XX/XX/XXXX but ultimately the whole thing was cancelled. I called in XXXX before the first court date in an attempt to settle and was told I would be contacted shortly. XXXX came and I still was not contacted. I received a letter in the mail stating my court date had been pushed back to the XXXX, and a few days later I got a letter saying my court date was cancelled. I called LVNV again trying to understand what happened, left at least 5 voicemails for a XXXX that works there ( that I was waiting to be contacted by. ) I called a general line at LVNV and was able to talk to someone who said that my profile was set on do not disturb status which I never requested. They also were able to clarify what this debt was for, which was a XXXX account. I asked for that to be reset because I wanted to discuss this. The agent said he was unable to, again being told I will be contacted through mail & again never receiving anything, even after confirming my mailing address. I see it every time I check my credit report, and they have now added on $ XXXX in charges and I havent been able to discuss anything with anyone let alone set up a payment plan to settle the debt. I really need them to either contact me so I can settle this matter or remove it from my credit report so it stops harming me and my reputation
Product: Credit reporting or other personal consumer reports

There is an incorrect and false address been reported on my credit report and I want it deleted immediately. This address is is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I filed a dispute with all 3 bureaus and XXXX which was reporting inaccurate information and removal. All 3 bureaus didn't respond within 30 days. I have had previous disputes on this item with all 3 bureaus. The item in question is a Bankruptcy. 

XXXX is reporting inaccurate data on the bankruptcy. The item was dismissed and never pursued. The Bankruptcy never was active or made it to court. The filing has errors. 

All agency was asked to remove this from the report numerous times. A 3rd party data company furnished this information to the bureaus as there was no contact made from the Courts which shows how inaccurate it is being reported. 

This information that was collected was from a 3rd party and shows several mistakes. 
The action I took with XXXX 1. I ordered my file from XXXX to review 2. I checked it over 3. I found the inaccuracy. Then I, 1. Wrote XXXX and all 3 bureaus 2. Sent a description of the inaccuracy to all four bureaus, 3. Waited 30 days for a response and started filing a complaint when I didn't receive an update or the desired results that should be done. 

There were numerous previous letters to all 3 bureaus asking that this erroneous item be removed. With the amount of research I have made on this item my conclusion is that it must be removed based on No direct update from the courts, a 3rd party reporting the data and the data is incorrect. The item is dismissed and never went active in the Courts either and a Bankruptcy never took place. 

1. The item was never active 2. It was reported with inaccuracy through XXXX - the information didn't belong on the report, and was pointed out through the dispute letters 3. The data was collected from a 3rd party and not the courts. 4. The biggest erroneous complaint is there was never a bankruptcy that took place. 

As a consumer, I swear that this information is correct. I wish to file a complaint on all 3 Bureaus and XXXX for the removal of the item discussed in this grievance.
Product: Debt collection

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act. RC/RESURGENT RECEIVABL I OWE {$1200.00} DATE OPEN XX/XX/year> & RC/RESURGENT RECEIVABL I OWE {$1700.00} DATE OPEN XXXXThey are not the Original Owners 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 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 any other adverse item of information, other than records of convictions of crimes 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX open XX/XX/year>. Company or debit collection unknowns report. i requests to remove immediately.
Product: Debt collection

XXXX was seized without warning in the amount of {$4800.00}. for a credit card that i have no knowledge about. they did not send me any notification but my money was seized from my XXXX XXXX account, by XXXX in New York and New Jersey.. when asked i was informed it was for a credit card i had open with Providian national Bank in 2004.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, XXXX, equifax letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX, XXXX, equifax failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, XXXX, equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX, XXXX, equifax have on file for the account listed below.. It has been more than 30 days and XXXX, XXXX, equifax have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX, XXXX, equifax must remove the accounts and billing errors listed listed below. 

1. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX XXXX Account number XXXX 2. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX Account number XXXX 3. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX Account number : XXXX 4. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX  XXXX 5. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX XXXX 6. The following account is reporting late and ive never been late, this inaccurate billing error has not been verified and you also havent responded in 30 days please remove late payments XXXX  XXXX / XXXX XXXX Account number XXXX 7. The following account is reporting late and ive never been late, this inaccurate billing error has not been verified and you also havent responded in 30 days please remove late payments XXXX XXXX XXXX Account number XXXX 8.The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX XXXX Account number XXXX
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, This incident is regarding unauthorized funds sent via a duplicate erroneous wire transfer without authorization by Ally Bank. 

On XX/XX/21, I, XXXX XXXX XXXX, authorized a one-time wire transfer in the amount of {$9200.00} to a bank account at XXXX XXXX  XXXX for Contractor Services . 
( Request # XXXX ) That wire was sent successfully. 

The next day, XX/XX/21, the same amount was sent ( {$9200.00} ) without my authorization. Immediately, I had called Ally Bank Customer Service and they said it was a 'technical error ', as both wire transfers had the same request number. Multiple supervisors had told me they never have seen this happen, but had made a request to recall the erroneous wire Ally bank had sent. 

Having no other option than to speak to a supervisor, I had to accept that this was the only action ( recall wire ) that could be done, even though it was the bank 's error that sent the duplicate wire without permission. A few days later, I decided to cancel the recall ( I was told Ally Bank couldn't get the account holder 's permission to recall ) and pursue legal avenues ( civil/criminal ) against the receiver of the erroneous funds to recoup the money. 

Regardless of the recall status, I strongly believe that the bank needs to accept responsibility and make right for essentially stealing {$9200.00} from my account. 

I have attached the wire transfer confirmations from Ally Bank that clearly show that it is the same request number for the authorized wire ( XX/XX/21 ), and then the erroneous wire ( XX/XX/21 ). 

All case notes for this is logged in XXXX XXXX. XXXX in Ally Bank.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your services could fax, mail or email in a fraudulent account.

I demand to see Verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify this account has my ability to obtain credit. Under the FCRA, unverified account must be removed and if you're unable to provide me with a copy of verifiable proof, you must remove the account listed below. 

I demand the following account be verified or removed immediately : XXXX XXXX XXXX Balance : {$4200.00} Account Number : XXXX XXXX XXXX  Balance : {$7800.00} Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I submitted a dispute complaint stating that the following accounts listed below are reporting inaccurate information and information that is not mine to XXXX through their direct website regarding the collection accounts listed below ( Confirmation # XXXX ) Account # XXXX : XXXX XXXX, XXXX XXXX Account # XXXX : XXXX XXXX XXXX The credit bureaus stated these accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate and the furnishing company has not provided me with any method of verification to how they can verify that this account is mine. This is ground for removal. 

They also violated my rights under 15 USC 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report. 

XXXX replied in statement, for both accounts, " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. 

XXXX replied to this dispute XX/XX/year>. If a proper and reasonable investigation was conducted, given the time, how can a reasonable investigation be conducted within 24hours. Under the 15 USC 1681i, it requires for credit reporting agencies to conduct a reasonable investigation when a consumer disputes information on their credit report.
Product: Credit card

I called American Express to get a lower APR. I asked if I could open a new card with 0 % APR and transfer my balance. The representative informed me that they do not do balance transfers between AMEX cards, but that I could " upgrade '' my card to XXXX with 0 % APR. I agreed. A few days later, I received a new AMEX card in the mail with a different number than my existing card. I waited a few weeks before activating the card and, upon activation, I discovered that I now had XXXX AMEX cards, my old XXXX with a small balance ( why I initially wanted 0 % APR ), and the new XXXX with no balance. So, my account was not upgraded, I was simply issued a XXXX card. This adversely affected my credit score due to the addition of a new credit account as well as the hard inquiry they made into my credit score. Not to mention the fact that I was lied to ( on a recorded line ) by an American Express representative. I immediately contacted customer service on XXXX/XXXXXX/XX/2015 and was told they would open an investigation and I would hear back in 5-7 days. I never heard anything. I called again on XXXX/XXXX/XX/XX/2015 only to find that no investigation or complaint was ever opened the XXXX time. The representative gave me his ID number, XXXX, and told me I would hear back from them in 3-5 days. I never did. I called again today, XXXX/XXXX/XX/XX/<YYYY> and spoke to XXXX in North Carolina. She informed me that a complaint was opened, but not resolution had been reached and to call back in 30 days. XXXX strikes and they 're out. I have had no satisfaction from dealing directly with AMEX and therefore am reaching out to CFPB for assistance.
Product: Checking or savings account

Im filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act, EFTA as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance investigating the matter to ensure my rights are upheld. Thank you.
Product: Credit card or prepaid card

The gift card has never been used and had a value of {$50.00}. I tried to use the card and it was rejected. I contacted the bank on three separate occasions. After the first call the balance on the card went from {$0.00} to {$8.00}. No determination or further adjustment was made after the two subsequent calls. The changes in the balance were due to non use fees. It is my understanding that these fees are not permitted under California law. The expiration date on the card is XX/XX/23. The card number is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this account is still reporting. I have consulted with the Attorney General of California and know that this debt is past the statute of limitation in California. You can not enforce, collect or sue for this debt making it invalid. Reporting invalidated information on credit can constitute fraud under both federal and state laws. I ask that you remove this immediately.
Product: Student loan

I have called and emailed Fedloan several times about fiing my qualifying public service loan forgivenss payment count errors. I submitted a in school deferment waiver and eqch time I talk to someone they say it will be updated and fixed, but it still has not been. They recieved a waiver for XX/XX/2021 but did not apply it. Then I was told to do another and give also give my verbal okay for it to be aplied. Then it still wasnt fixed. Then tI called again and they said they had 2 waivers and... then multiple calls again .... to no avail of it actually being fixed. The last time I spoke with them they said the people that fix it probably saw the wrong form and didnt fix it and that she would notate it. It still hasnt been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my auto loan on XX/XX/2021 as required. The payment I submitted was before the 30 day mark because I was told I needed to pay it in full. However, on XXXX XXXX, I received an alert from TransUnion that XXXX XXXX noted the account as 30 days overdue which caused my credit score to plummet 24 points. I reached out to XXXX XXXX and TransUnion but no one wants to rectify the error. I was not late but XXXX XXXX marked me as late. The investigation by TransUnion said that they updated the account and the account was accurate but this is not true because my pay status currently shows the account was paid, closed and was 30 days past due. TransUnion states the Original Charge Off was updated although there should have never been a charge off. Per TransUnion 's product, this error has caused my score to drop. TransUnion is not acknowledging their own credit reporting products and if they are useful tools to the consumer, TransUnion should be able to assist the consumer. This has affected my ability to secure a better rate as I start the homebuying process.