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

Dear Equifax Consumer Assistance, Subject : Request to Remove Public Record from Credit Report I am writing to request that you remove the public record listed on my credit report, which was disputed by me in XXXX and denied by your company. The record in question is XXXX XXXX XXXX XXXX XXXX ( XXXX  ) As you are aware, I disputed the accuracy of this information in XXXX, and I received a response from your company stating that the dispute was denied on XXXX. However, I was surprised and disappointed to see that the record remained on my credit report without any notation indicating that I had disputed it. The Fair Credit Reporting Act ( FCRA ) requires that creditors and consumer reporting agencies like Equifax provide a clear and conspicuous notice to consumers when they dispute information on their credit reports. 

Section 609 ( e ) of the FCRA states that " a consumer reporting agency may not furnish a consumer report containing a description of a bankruptcy petition or proceeding if the consumer has disputed the accuracy of the information with the agency and the agency has failed to verify the information. '' Since your company failed to verify the information and did not provide a notation indicating that I disputed it, I believe that you are in violation of this provision. 

Additionally, Section 623 ( a ) ( 2 ) of the FCRA requires that consumer reporting agencies like Equifax maintain reasonable procedures to ensure that the information contained in their reports is accurate and complete. Your failure to remove this disputed record from my credit report despite my dispute demonstrates a lack of reasonable procedures in place. 

Therefore, I am requesting that you remove this public record from my credit report immediately. 

I would appreciate it if you could take immediate action on this matter. Please confirm in writing within 30 days whether you will be removing the record. If I do not receive a satisfactory response, I will be forced to seek further action to protect my rights under the FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$3900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I opened a HELOC with PNC in XX/XX/XXXX for {$180000.00} to do home improvements and payoff a small existing XXXX mortgage of XXXX. At the closing table the terms were different than disclosed and described. I required to pay XXXX XXXX XXXX  payments not interest only. Under pressure of commitments to contractors, I moved forward with the loan. I utilized the full draw and made payments for XXXX. My understanding was that there was a XXXX draw payment with a XXXX repayment after the draw period. On XX/XX/XXXX, I was given the option to move the balance to a fixed rate with a payment of principal and interest or a fixed rate with an interest only option for XXXX. I received nothing in writing and received only a phone call to make this decision. I chose the interest only option with the understanding there would be a repayment of XXXX similar to the XXXX XXXX XXXX option. I was verbally assured of this at the time of this decision. The XX/XX/XXXX I received a notice that there is a balloon payment due in XXXX. This conflicts with the language of the original note and the document I signed. At no time was it made clear to me either verbally or in writing that choosing the interest only would trigger a balloon payment XXXX yrs later. 

I have asked PNC to prove to me in writing and in conversation that they disclosed the balloon payment. I maintain that the language of the original note in vague and misleading and the subsequent lock document to be the same. 
I am simply asking for PNC to allow me to pay the loan back by XXXX as originally agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I tried mail payments for the months of XXXX XXXX and XXXX and XX/XX/XXXX. I was forced to center in place with XXXX  restrictions and also had XXXX I would like these to be removed and have already asked the lender, receiving limited response. Thank you
Product: Checking or savings account

I recently opened a savings account with CitiBank and when attempting to transfer funds to my connected XXXX XXXX checking account ( the account used to fund the savings account ) I received an error message and was instructed to contact customer service and tell them I was receiving error code XXXX. The amount I was requesting was below my daily limit. After a long struggle with the automated attendant I reached a customer service representative who told me there is nothing wrong appearing on the account and I should attempt again in XXXX hours. I let her know this was not acceptable and she transferred me to another representative that again informed me of the same and I aske to speak to someone to close my account. After ton minutes on hold I reached the third representative that informed me that I could not close the account for XXXX hours. After a call that took nearly an hour, I informed them I was going to file a complaint and hung up. 

I will attempt to close the account in XXXX hours and hopefully I can end my relationship with CitiBank. XXXX I am concerned that a bank can hold a customers money and not provide access to the funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, I am entitled to have these entries removed to protect my credit, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XXXX  of XXXX I went to XXXX XXXX XXXX XXXX to see a Dr. Before all my treatments were done the Dr died and the office was closed immediately. At the time of my visit I was covered with XXXX  and XXXX  to pay for medical expenses. After the office was closed with no forwarding address and contact and without my knowledge a collection account was added to my credit file for XXXX. I became aware of this, pointed it out to XXXX, made two disputes and XXXX  refused to remove the item. The collection agency PDQ Services in XXXX Ga also refuses.I had no opportunity to communicate with them to head off any other issues. XXXX  and XXXX XXXX properly removed this item the same day that I disputed it with them. After 2 complaints and 2 months XXXX  continues to report this item as fact. I has also created a negative impact on prospective lenders that I have contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau Subject : XXXX XXXX  Erroneous Reporting and FCRA Violations Dear Sir/Madam, I am writing to bring a grave matter to your attention regarding the credit reporting practices of XXXX, a creditor with whom I have had an account. Despite notifying XXXX twice through each credit bureau about the erroneous information they have reported on my credit file, they have continuously failed to rectify the issue. 

Exhibit A : FCRA Violations by XXXX Violation 1 : Failure to Provide Disclosures XXXX did not provide any disclosures before reporting my credit information, as required by the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 2 ). Potential statutory damages for this violation amount to {$100.00} to {$1000.00}.

Violation 2 : Lack of Opt-Out Options XXXX neglected to provide me with any opt-out options, contravening FCRA, Section 609 ( e ). Potential statutory damages for this violation amount to {$100.00} to {$1000.00}.

Violation 3 : Absence of Privacy Disclosures XXXX failed to furnish any privacy disclosures as mandated by FCRA, Section 609 ( a ) ( 1 ). Potential statutory damages for this violation amount to {$100.00} to {$1000.00}.

Violation 4 : Inaccurate Reporting XXXX continued to report erroneous information despite being informed of the inaccuracies twice, violating FCRA, Section 611 ( a ) ( 1 ) ( A ). Potential actual damages for this violation may include any losses I suffered due to their inaccurate reporting.

Violation 5 : Lack of Data Redundancy XXXX reported conflicting information to each credit bureau, displaying a lack of data redundancy and accurate record-keeping, violating FCRA, Section 607 ( b ). Potential actual damages for this violation may include any losses I incurred due to their poor record-keeping.

Exhibit B : Potential Monetary Awards Violation 1 : Failure to Provide Disclosures - {$1000.00} Violation 2 : Lack of Opt-Out Options - {$1000.00} Violation 3 : Absence of Privacy Disclosures - {$1000.00} Violation 4 : Inaccurate Reporting - Actual damages to be determined in court Violation 5 : Lack of Data Redundancy - Actual damages to be determined in court Potential Total Monetary Award in Court : {$3000.00} ( statutory damages ) + Actual damages for Violation 4 + Actual damages for Violation 5 I believe that XXXXXXXX XXXX continuous disregard for FCRA regulations has caused significant damage to my financial standing and well-being upwards of {$10000.00}. Despite giving them ample time to rectify their errors, they persist with frivolous furnishings, leading me to seek justice through legal action.

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and hold XXXX responsible for their actions. Your intervention is essential in upholding consumer rights and ensuring fair and accurate credit reporting practices. 

Thank you for your attention to this critical issue. I trust that the Consumer Financial Protection Bureau will take appropriate action to remedy this situation and protect the interests of consumers like myself. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Reporting by TransUnion and XXXX for XXXX XXXX Account I am writing to formally dispute the incorrect reporting of my closed XXXX XXXX credit card account, [ account number : XXXX ], as reflected in my TransUnion and XXXX XXXX reports. Despite my efforts to resolve this matter directly with XXXX XXXX and both credit reporting agencies, the inaccuracies persist, and I am now seeking your intervention. 

Issue Summary : Credit Reports with Errors : TransUnion and XXXX Credit Report with Accurate Information : XXXX Account Status : Closed and paid as of XX/XX/XXXX Discrepancy : TransUnion and XXXX are incorrectly reporting XXXX late payments ( marked " 30, '' " 60, '' and " 120 days late '' ) while XXXX correctly reports the account as " paid as agreed '' and " never late. '' LATE PAYMENTS DATE XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX Violations of Federal Laws : CARES Act Violation : Under the CARES Act, all accounts active between XX/XX/XXXX and XX/XX/XXXX, plus 120 days thereafter, should be reported as paid as agreed and never late, as long as the account was in good standing during the forbearance period. Both TransUnion and XXXX have failed to adhere to this federal mandate and are incorrectly showing late payments for the stated period, which violates the protections provided under the CARES Act. 

Fair Credit Reporting Act ( FCRA ) Violation : The FCRA requires that all credit reporting agencies ensure the accuracy and completeness of the information they report. Despite submitting several disputes to both XXXX and TransUnion, they continue to report inaccurate late payment information, and I have not received any details about their investigative processes. This lack of response and failure to correct the errors directly violates FCRA guidelines. 

Truth in Lending Act ( TILA ) Violation : The TILA mandates that accurate terms and conditions are reflected on credit accounts. The erroneous reporting of late payments on my account misrepresents the status and history of the account, potentially violating TILA by falsely representing the terms under which my account was closed and paid off. 

My Attempts to Resolve the Issue : I have contacted XXXX XXXX regarding the incorrect information, but they refused to correct the issue. 
I have submitted multiple disputes to both XXXX and TransUnion, requesting them to verify and correct the reporting errors. However, they have failed to fix the problem and have not responded to my requests for details regarding their investigative process, further violating their obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

Fraudulent charges were made on my TD Bank Credit Card. TD Bank alerted me that suspicious charges were being made on my card. The charges were made in XXXX, New York on my credit card. I currently live on XXXX XXXX and have never visited XXXX. While these chargers were being made on my credit card, I was using my debit card on XXXX XXXX. On XX/XX/XXXX the customer service rep assured me that these issues would be resolved and the {$1100.00} worth of fraudulent charges would not be my responsibility. I received a letter in the mail on XX/XX/XXXX that stated that TD banks investigation determined that there was no billing error. The charges are all for establishments that do not align with my spending habits. After talking to numerous TD employees and a supervisor the issue has not been resolved and I am thinking they are going to hold me responsible for charges I did not make. As a long time TD bank customer I am extremely disappointed with how this dispute case has been handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these 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 However, they stated everything was complete and accurate, but how is this possible if the open date, date of last activity, and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 USC 1681 section 602 A. States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 the information is inaccurate I am requesting Experian, XXXX, and XXXX remove this accounts from my credit report due to inaccuracies and falsely claiming this information is correct
Product: Debt collection

XX/XX/XXXX, an account with XXXX XXXX XXXX XXXX was placed for collection with Innovative Recovery Inc/ResidentCollect, Inc. The balance owed is {$210.00}. I disputed with XXXX XXXX XXXX XXXX regarding this matter ; I believe I do n't owe them anything. 

Innovative Recovery Inc./ResidentCollect, Inc. has reported the account as uncollected to XXXX XXXX XXXX XXXX . As a result of this reporting I have been unable to secure credit from any business and homeless for two years ( unable to rent an apartment ). XXXX has estimated that they may remove the negative data from my report XX/XX/XXXX. 

I am requesting assistance from your agency with asking XXXX to remove the negative data from its report before XX/XX/XXXX. It would be greatly appreciated if it could be removed in XX/XX/XXXX.
Product: Debt collection

I finally got the information as to why I have a charge from the company Commonwealth Finance XXXX XXXX XXXX XXXX PA XXXX that is just now being placed on my credit report from back in XXXX it's XXXX over 5 years old now from a XXXX XXXX emergency physicians office they stated to me it has to do with my daughter I'm XXXX I have Medicare Medicaid I'm fully covered as well as my daughter information at the time if she even saw them at that time was given to them however I'm assuming they didn't file for the payment until XX/XX/XXXX in which over 5 years ago I'm guessing Medicare Medicaid doesn't go back 5 years for medical billing issues she still is fully covered so I'm not understanding why they didn't file at 5 years ago why they didn't try to file it in a timely manner which is not my fault at all however it would appear that they're still trying to get me to pay for services that was covered by a medical insurance that she still has and that I still have it sounds like a their problem however they're now just now attaching it to my credit report and has put my credit in the toilet because of their incompetence
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA XXXX XXXX Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA XXXX XXXX XXXX XXXX XXXX XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA XXXX Civil liability for negligent noncompliance [ XXXX XXXX. XXXX ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX.