23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT. Equifax is reporting an old account incorrectly on my credit report. The item is through XXXX XXXX XXXX, originally through XXXX, account number XXXX. The Type Of Account is displaying as OPEN on my credit report, even though the account has been closed and paid in full since XX/XX/16. Equifax even is reporting the date of the last payment, as well as the fact that it has a XXXX dollar balance, but still displays the TYPE OF ACCOUNT as open. This is incorrect. This account should no longer be displayed as open on any of my reports. It was CLOSED and PAID IN FULL several years ago. I have included a letter from XXXX  XXXX XXXX   confirming this as true, as well as a copy of the item directly from my Equifax report with the error circled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX I am writing to dispute the reporting of late payments on my credit card account, as reflected in my credit report. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX According to my understanding of the United States Code, specifically 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I kindly request that you update this account as all payments made on time and make the necessary corrections to my credit report.
Product: Debt collection

I am writing to express my deep frustration and anger regarding the ongoing situation with my homeowners association ( HOA ) and their attorney, XXXX XXXX XXXX NowackHoward, LLC. Despite my repeated requests for documentation pertaining to the alleged debt owed to the XXXX, I have been met with a wall of resistance, ignored requests, and outright denial of my rights to receive crucial information. 

Currently, the XXXX is attempting to collect a debt of {$3200.00}, and I have received threats of foreclosure on my home due to this alleged debt. I find it unconscionable that it has escalated to this point, especially when I have been consistently denied the opportunity to verify whether the XXXX made any legitimate attempts to inform me of the debt prior to these harsh measures. 

Ive made numerous attempts to request documentation from XXXX XXXX XXXX regarding proof of attempts made to contact me about the debt. Unfortunately, she has repeatedly ignored my inquiries, dismissed my concerns, and has flatly stated that she is not obligated to provide supporting documentation. This refusal only adds to my distress, as I am left in the dark regarding my rights and the actions taken against me. 

The lack of communication from the attorney is not only frustrating but unacceptable. I am left to question if the XXXX followed proper procedures before threatening such serious actions against my home. I deserve to know whether I was notified in accordance with consumer protection laws regarding this debt, especially when facing potential foreclosure. 

Given the seriousness of this matter, I urge the CFPB to investigate this situation and the actions of NowackHoward, LLC. I want to ensure that my rights are upheld and that proper protocols are followed in the collection of debts, particularly when such extreme measures as foreclosure are being considered. 

Thank you for your prompt attention to this matter. I look forward to your response and any assistance you can provide in this dire situation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was [ impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent information to XXXX, disputing an erroneous claim by a collection agency representing XXXX for an alleged unpaid bill. I sent to XXXX  extensive documentation of my cancellation of the account, the reasons/proof behind the cancellation, and my extensive follow-up after I became aware of an issue. Its " investigation '' was apparently to confirm with the collection agency that the debt was valid. They have no proof or documentation that I did not cancel or agreed to continued insurance beyond the date for which I had paid. So, this was not a real investigation. Also, the collection agency has no judgment or other proof : they are just reporting false information ( submitted under another complaint. ) I requested a property insurance policy through XXXX  in XX/XX/2019, as a requirement for a HELOC application. I signed up for auto payment. I enrolled in the plan through the phone and internet. All of my documents, signature pages and payments were electronic. 

In XX/XX/2019, a title issue with the property blocked the HELOC from moving forward ; I had been approved, but could not get funded as a result. I therefore notified XXXX  in writing that I was cancelling the policy, since I had only added it to comply with the loan requirement. No auto payment was taken thereafter and I received no correspondence on the matter, so I had every reason to assume the policy had been cancelled as directed. 

In fall 2019, I became aware of a derogatory credit entry. It stemmed from XXXX 's claim that I owed 2 months premium for the policy which it did not cancel until XX/XX/2019. I contacted them immediately and described my cancellation. I was given several false answers and information, stating that XXXX did not accept written cancellation ( it's the law ), that it never received mine, that there were other reasons my auto payments had been stopped and also that all correspondence had been sent to the property address by mail, even though my account was completely e-notice AND it was an investment property occupied by tenants. XXXX also did not offer a landlord policy. When I provided all of my documentation, they stated that they would only " backdate '' my cancellation if I could show proof of another policy, which is completely irrelevant. The property remains uninsured and wasn't insured prior to the policy with XXXX, so that is a completely made-up requirement. 

The insurance company is XXXX and the collection agency is TransWorld System Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2023 I have sent out a 4 different sets of letters to the credit bureaus disputing late payments that are on my report. For some reason they are ignoring my disputes. I have asked for proof of late payment with a bank statement showing that I was ever late and they have not provided any information to prove I had any late payments. I attached the last letter I sent to the Credit B. Law clearly states that transactions should not be included on my credit report. 15 US code 1681a title definitions Rules of construction paragraph 2 of this title is titled exclusions of sub paragraph A Subsection I states that transactions are not included in the consumer report. These are the accounts 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

*This is not a duplicate* Experian added a fraudulent address to my credit report that had already been reported and removed for fraud. Experian is also using this fraudulent address to keep fraudulent accounts on my credit report. 
Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on Experians behalf. 

Experian stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : XXXX - XXXX - Delivered XX/XX/XXXX, XXXX XXXX XXXX XXXX - Delivered XX/XX/XXXX, XXXX Experian - XXXX - Delivered XX/XX/XXXX, XXXX *This is not a duplicate*
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report as they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

i was a victim of identity theft and i noticed a hard inquiry from amex on my XXXX report.ive tried to dispute those but they refuse to remove it. It is hard for me to aquire credit due to those inquiries i demand that they remove them. Those Inquiries were not the dates stated XXXX/XXXX/15 and XXXX demand they be removed
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find that inaccurate accounts had somehow made their way onto my credit report, and I have no idea how they got there. I checked my report, as I always do, but this time there were discrepancies that just didnt make sense. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. Due to this situation, Im asking for a thorough review of the documents Ive submitted so I can have peace of mind and never worry about this happening again.
Product: Debt collection

I checked my credit and found the trade line from Midland Funding on behalf of XXXX for {$260.00}. For one, Midland is not licensed to collect debt in the state of Florida. For two, I have tried to contact Midland and XXXX XXXX for debt verification but to no avail.
Product: Credit card

I am a USBank Depositor ( DDA ) and hold a USBank issued credit card. I was in their branch located at XXXX XXXX, XXXX XXXX, AR to make a DDA deposit when I was advised that I had been pre-approved for a balance transfer option with 12 months of 0 % interest with no fee. All they needed was my annual income. I was advised ( TWICE ) the credit inquiry was a soft pull and I assumed this to be true considering I have a USBank credit card. After spending time in their office, providing my income and employment information, the pre-approval was declined and I subsequently have a hard pull inquiry on my XXXX. The teller and/or " personal banker '' had little or no knowledge about their credit card products or how they worked. It appeared they were simply trying to get me to apply. I would not have applied unless I was truly approved. In fact, I asked about the credit limit and was advised that this could not be confirmed without a softpull! The softpull was truly a hard pull and a decline due to my credit card usage. ( I knew I had balances, assumed USBank did, too and this is exactly the reason I was interested in the balance transfer! ). USBank has caused my credit score to DECREASE due to their fraudulent sales and marketing.
Product: Credit reporting or other personal consumer reports

I have been in communication with XXXXXX/XX/XXXX for several weeks now, about the balance of my account reporting inaccurately on my credit reports in all XXXX  credit bureaus, XXXX, XXXX, and Transition, and how it has been negatively impacting my ability to qualify for credit and being detrimental to my quality of life. 

They have refused to communicate effectively with me by phone or by email, and have been trying to put the responsibility off on the credit reporting agencies rather than accurately changing their reporting data. 

Their contact information is as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX I have closed my accounts with them, and I am asking that their account does not report to my credit report on any of the XXXX bureaus and be removed immediately, please! 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report. XXXX XXXX {$730.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$400.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$15.00} XXXX XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX XXXX {$1100.00} DPT ED XXXX XXXX {$4500.00}
Product: Debt collection

I was paid by my employer on XX/XX/XXXX, on XX/XX/XXXX my bank account was drained by a Garnishment for a Civil Judgement I had no idea even exsisted. They sued me for a account that was supposadly opened in my name in XX/XX/XXXX. I was XXXX at that time, I didnt have anything in my name. They filed this suit in XX/XX/XXXX. I have NEVER received a summons for court, I have NEVER received a notice stating there was a garnishment or my right to appeal the garnishment. I have never been served. I was completely unaware of this debt until my bank told me today. about a month ago I started getting calls threatenting me about a Law Suit, they were even calling my parents, grandparents, and minor child threatening that I need to get an attorney and call them to prevent jail time. When I called they could never give me any information and stated they were unable to find record of a debt. So I reported it to the Consumer protection website because they couldnt give me any information so I figured it was a scam. I dont know if that was in relation to this or not. But this court case began 11 years ago, from a debt that was wayy older and that I dont even know about because I was a minor. Now I have no money, I have XXXX kids, I care for my father who is batteling XXXX  XXXX XXXX XXXX, and I was just diagnosed 2 months ago with a XXXX XXXX  XXXX ( XXXX XXXX ), I couldnt even pay my rent, or get gas in my car or food for my kids or get my prescriptions which my life depends on!! If i would have know about this judgement I would have taken care of this a long time ago, I would not avoid a court order. I didnt even know you were able to access court records online until today! Is there anything I can do to fight this? or to get my money back? I am DESPERATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, allowing for a security breach that leaves me vulnerable to identity theft. According to their website, www.equifaxsecurity2017.com, I am a potential victim of the breach, and I would like to see a resolution as soon as possible.
Product: Credit card or prepaid card

We received fradulant purchases from Macys Credit card, the purchase was made XX/XX/2019 and as soon as we received the statement in XX/XX/XXXX due XX/XX/2019 we called and registered the fraudalant claim of 2 vaccumms totaling XXXX. Our account number was stolen and we had just activated the card. It would of been the first purchase. We then contacted our XXXX XXXX company and then all credit bureaus and they immediately flagged our accounts. They will be flagged for a year which means it will be difficult to open any new accounts. Also we had not had any credit purchases with a Macys card in several years. 
When they sent us a new card we made a decision not to activate. XX/XX/XXXX which was received today XX/XX/XXXX that we will be responsible for all purchases. The letter states we received benefit from the charges made in this account, the facts of the investigation did not support your claim. We are law abiding citizens and we did not make these charges. What are our rights and how can we Prove we did not make these purchases. Sincerely, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX  Balance : {$770000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Open Date XXXX XXXX, XXXX  Balance : {$280000.00}
Product: Mortgage

Urgent Refund Needed for Overcharged Lenders-Placed Insurance - Loan # XXXX I am writing to report a significant overcharge issue on my account ( Loan # XXXX ) with Fay Servicing . The excessive amount of {$18000.00} has been charged for lenders-placed insurance. The breakdown is as follows : - XX/XX/XXXX : {$6900.00} for lenders-placed insurance. 
- XX/XX/XXXX : {$7200.00} for lenders-placed insurance. 
- XX/XX/XXXX : {$4200.00} for lenders-placed insurance. 
- XX/XX/XXXX : {$27.00} for lenders-placed insurance. 
- XX/XX/XXXX : {$280.00} for lenders-placed insurance. 

During this period, I had my own insurance in place, making these additional charges unjustifiable. Despite my attempts to resolve this issue, Fay Servicing has been unresponsive and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. Transunion put a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX. I've never had an account with this company. The original creditor is XXXX and I have discussed payment plans. The balance I have with XXXX is not even the correct balance that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information please remove this permanently from my credit report.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$22000.00} from XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/2024. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please confirm this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX