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

: Immediate Demand for Removal of Incorrect Bankruptcy Entry I am writing to demand the immediate removal of the bankruptcy entry incorrectly listed on my credit report under the name XXXX XXXX XXXX, with a reference to XX/XX/XXXX Bankruptcy filed on XX/XX/scrub> 2024, in the XXXX XX/XX/XXXX XXXX, North Carolina, XXXX ( Reference Number : XXXX ). This is not my bankruptcy, and its false reporting is causing direct harm to my credit and reputation. 

This inaccurate entry constitutes defamation of character and is actively injuring my ability to access credit and exercise my financial rights. The Fair Credit Reporting Act ( FCRA ) requires that all reported information be accurate and verifiable, and your failure to ensure this has placed me in a compromised financial position. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has filed legal action against Experian and XXXX for failing to conduct proper investigations and for reporting inaccurate information. This case demonstrates Experians ongoing violations of FCRA requirements, specifically the obligation to thoroughly verify disputed information. Your actions in this matter further reinforce this pattern of negligence. 

Additionally : 1. Bankruptcy courts do not report information directly to credit bureaus, nor do they act as furnishers of such data. Any claim that this information was verified through the court is therefore false.

2. The only entities with access to such records are XXXX and XXXX. I have opted out of sharing my information with XXXX, and XX/XX/XXXXrequires payment to access records. Without direct and verifiable evidence, this entry is unsubstantiated and unlawful. If you can not furnish any documentation directly from the bankruptcy court on their letterhead, then you must act now and remove This immediately, as it is injuring my person and keeping me from accessing my rights to Credit. This is defamation please follow the demand below.

I demand the following actions to be taken immediately : 1. Remove this incorrect bankruptcy entry from my credit report immediately.

2. Provide written confirmation that the entry has been removed.

3. Provide documentation of how this information was obtained, including the name and contact details of the entity that provided it.

4. Explain why Experian failed to comply with the FCRA by reporting this false information without proper verification. 

Your negligence in this matter has caused me significant financial harm. If this entry is not removed immediately, I will have no choice but to escalate this matter by filing formal complaints with the CFPB, pursuing legal remedies for defamation, and seeking compensation for damages caused by this false reporting. 

This matter requires immediate attention, and I expect confirmation of the removal of this entry within XXXX business days. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. Experian and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, EXPERIAN and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, XXXX and EXPERIAN.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 a loan was processed in the amount of {$1200.00}. The APR was 437.08 % finance charge in the amount of {$3700.00}. The total amount owing was {$4900.00}. The installments were {$410.00} each month beginning on XX/XX/19.I was struggling with my payments each month because half of my finances went toward paying on my debt each month. Therefore, I contacted the lender in hopes that we could renegotiate the contract so that perhaps I may get a reasonable installment plan that I could make good on, but they would not consider adjusting my payments. They informed me that the contract could not be changed and it stands such as it is.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I secured a title loan through Anderson Financial Services , LLC, d/b/a LoanMax. Monthly payments of {$430.00} began on XX/XX/XXXX. Due to COVID-19, I was temporarily laid off on XX/XX/XXXX and for this reason, was unable to make my XX/XX/XXXX payment. I contacted LoanMax to apprise them of this situation and was told to let them know when unemployment started and I could make my payment. Imagine my surprise when I logged in to my account and found that I had over an additional {$500.00} added to my account! After making a call I found out that this was daily interest and late fees! I requested a detailed account statement and was advised that they " don't do this. '' I have also received a NOTICE OF DEFAULT & NOTICE OF LENDER 'S INTENT TO REPOSSESS ITS COLLATERAL letter from LoanMax. I understand that interest accrues when a payment is late, and under normal circumstances, this makes sense. However, mandatory business shutdowns during a nationwide pandemic, thus resulting in late payments, etc, is unusual to say the least. I don't feel exorbitant fees should be charged during this unprecedented time. LoanMax has been less than understanding and has refused to waive these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items 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 be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Recently TD Bank change the way they process transactions. I am a customers that lives check by check. My work checks are direct deposit on fridays each week. I pay my car every other week and now I have incurred in more than XXXX overdraft fees of XXXX. They said this change was because customers wanted it like that. What customers rich customers? I ca n't not afford this and certainly I ca n't not afford loosing {$35.00} dollars just like that. The only reason why have n't close my account is because I have to many payments linked to my account. I feel this NEW thinks is not only afftecting me is affecting people like me and we are getting excesive overdrafts fees. We are being robbed XXXX for the little money we make.
Product: Debt collection

My husband has received numerous phone calls from XXXX from someone named XXXX XXXX, who asks to speak to me regarding a personal matter he is handling for me. He has asked for my work number, my personal number, etc .... These calls are being made to my husband 's business phone and they are a nuisance to him both personally and professionally. 

I have no idea who this is, I have no personal matters being managed by anyone I do not know, and I would appreciate it if this individual and this company GC Services would discontinue calling my husband or any other number they have in an attempt to reach me.
Product: Debt collection

Hello CFPB Staff, May you be well and safe. This is a two-part issue. 

( 1 ) I owed {$4300.00} to XXXX XXXX Card Services ( XXXX XXXX XXXX XXXX, DE XXXX ). My credit report indicates that this account was closed XX/XX/XXXX. However, I was actively paying this balance off through XX/XX/XXXX via my online XXXX login. When logging on in XX/XX/XXXX to make a payment, I didn't see this particular account on my profile. XXXX gave me no warning that they were closing this particular account. I called customer service and they could not give me a good reason and basically indicated that I was taking too long to pay. Therefore, I would like XXXX to make this particular account active again and to remove any derogatory remarks from my credit report. 

( 2 ) On XX/XX/XXXX I made paid {$2100.00} to United Collections Bureau ( UCB XXXX TEL ID : XXXX ). I think they violated contract law because at no time did they indicate to me that I did not have to do business with them. I felt stressed, pressured, and extorted as they said I had to choose payment option A or B. I did not know that I had option C, not to do business with them. But I did pay them and no derogatory remarks were supposed to be placed on my credit report concerning this particular account. Therefore, I would like UCB to give me back my money or do what they need to do to make sure no derogatory remarks associated with this particular account appears on my credit report. 

I seek remediation and rectification. Thank you for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed XXXX  and Experian disputes regarding a XXXX XXXX account that was reporting inaccurately on my files. I disputed the payment history and date of first delinquency because XXXX  showed I first became 30 days late in XX/XX/XXXX, but Experian showed I first became 30 days late in XX/XX/XXXX. XXXX  also showed the date of first delinquency as XX/XX/XXXX, which contradicted the payment history. How could the same late payment occur during 2 separate months of the year? On XX/XX/XXXX, XXXX   responded to my dispute saying XXXX XXXX verified that the information I disputed was accurate. The date of first delinquency was listed as XX/XX/XXXX in their response and the payment history was missing entirely. The account was not compliant with the FCRA before my dispute and it is also non-compliant after my dispute. XXXX  did not fix the error and the account is now entirely incomplete. If XXXX  actually investigated the account, the errors and omissions would not remain. To further demonstrate this information, I also received a response from Experian on XX/XX/XXXX. In their response to my dispute, they said XXXX XXXX verified to them that the date the account first became late was XXXX of XXXX. How can XXXX verify two different dates as accurate for the same late payment? How can this same late payment be reported as occurring in XX/XX/XXXX on XXXX  and XX/XX/XXXX on Experian? After my disputes, both bureaus claim they did their own investigation and that XXXX XXXX has verified to them that the information is accurate, but the inaccuracies still remain on both credit reports.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My collections history is being impacted by Transunion failure to correct an amount in collections from XXXX XXXX XXXX XXXX XXXX initiated XX/XX/XXXX. This is not my debt, I resolved the billing error on the account with XXXX XXXX in XXXX. The Transunion was contacted in XX/XX/XXXX as to the inaccuracy and the debt was in error. I have not received any communication from any party regarding dispute resolution.
Product: Student loan

On XX/XX/, I made a student loan payment to edFinancial Services for {$2000.00} ( Payment Confirmation # XXXX ). That payment was never applied to my student loan balance but was deducted from my checking account. On XX/XX/23, I called edFinancial Services to report a missing payment. The company stated they had received the payment but lost it, so they never deducted the amount from my balance. They stated they would need 20 business days to find the payment. I expressed my concerns about making another payment until they found my previous one. They stated that since we are in a ramp-on period, there would be no penalty for late or nonpayment. On XX/XX/, I called back to follow up on the report. The representative stated they never submitted the missing payment form. They said they submitted a new one and they would get back to me within 12 days. I expressed my concerns to the representative that the full balance of my student loans would be collecting interest. She acknowledged it would be. At this point, I requested to speak to a supervisor. The representative stated the supervisor would call me back within 2 hours.
Product: Credit reporting or other personal consumer reports

I been applied for credit cards and I see that someone had already had credits cards in my name using my social security number.. I was renting out a room so I honestly have no idea who could have done so
Product: Debt collection

Im not liable for this debt with Midland credit management. I do not have a contract with them. They did not provide me with a contract as requested. I demand this account be removed from my credit report. This is defamation of character pursuant to 15 usc 1681.
Product: Vehicle loan or lease

My husband and I received and auto loan from CarMax Auto Financing to pay for a portion of vehicle that was purchased through CarMax. Before purchasing the car we asked questions about the auto loan including if there are prepayment penalties and how to make additional principal payments to our loan. We were told to just include the additional amount into the payment we send it and it will be applied to principal, or to write a separate check designating it as principal payment and it will be applied to principal. For our very first I sent in one check for the full bill amount. I sent in a second check for the principal payment amount noting principal payment on the memo line of the check. The payment was not applied to principal. It was used to pre-pay our next payment. I called to have this corrected and was told that I was wrong, and that is just how it works. I was told that it will reduce the principal by reducing the next payment. I shared that this is not how principal payments should be applied and this is not appropriate. After spending ample amounts of time on the phone with them, management and accounting department they were able to re-allocate the amount to principal for this one payment, but the statements and information online are still not fully accurate, though the do total to the correct numbers. I asked how I can ensure that it is allocated correctly in the future, and was told that any time a principal payment was made I would have to call in and ask for it be changed. I asked for any other option that may be available, and they would not provide me with one. I asked for a direct line and they would not provide me with one. I asked for any additional assistance to help my principal payments be applied as designated and they demanded that I needed to call every time. I plan to make an additional principal payment each month and spending nearly an hour on the phone each time is intentionally having a barrier in place to prevent people from doing this, and unmorally keeping customers funds in their pockets. Additionally I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and talking on the phone is challenging for me. To have a process that required people to call and speak with someone is XXXX to those who are XXXX XXXX XXXX because of the desperate impact for those who are XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, On my Experian credit report, it still shows an old address reporting on my credit report. This old address is listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not lived at this address for over XXXX XXXX  and I would like this address to be completely removed from my credit report. Also, there is a bankruptcy still reporting on my credit report on Experian. It has far exceeded the reporting timeframe and should be removed as well. Also, there is a secured XXXXXXXX XXXX XXXX thats being reported on my credit report. At the time when his account was originally opened, I gave a {$200.00} security deposit. Since the account has been charged-off, its still reporting a balance of {$210.00}. However, XXXX credit card kept my security deposit of {$200.00} so theoretically my balance to only be {$18.00} not {$210.00} which is completely inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Markone/XXXX  is maliciously and intentionally reporting inaccurate information on my credit report. I have disputed this account numerous times and it has been illegally verified as accurate. Every month they have update my credit report with a balance that in no way shape of form matches the information that they have sent me. Every time that I dispute the account, XXXX  comes back as verified as accurate while XXXX  and XXXX   have both deleted this account in 2017. I had provided the same documentation to all three credit bureaus however, XXXX  will not remove the account for inaccurate reporting. I have also sent XXXX additional documentation that I have received from the creditor stating the balance, however they informed me that it doesnt matter what I send them, they go with what the creditor tells them. I want this inaccurate, injurious, erroneous information removed immediately from my credit report. I have attached the backup for my claim and I would greatly appreciate it if you would help me get this remove immediately.
Product: Mortgage

I had worked with AmeriSave to refinance my primary residence last year and had a very good experience. I decided to use them again to refinance my condominium. I applied for that refinance on XX/XX/XXXX and paid a {$500.00} application fee ( see attached receipt ). 

After several months, AmeriSave believed that the HOA did not have sufficient flood coverage for them to underwrite. The HOA believed that there was sufficient coverage ( and had several owners refinance their properties during the same time without issue ). The loan process ended in early XXXX following the impasse. 

The loan processor offered to refund the application fee and requested such on XX/XX/XXXX. After several follow-ups to both the loan processor and his manager, I still have not received the {$500.00} refund ( see other emails attached ).
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts XXXX not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Debt collection

Hello. Transworld System Inc ( TSI ) has reported collection on my account several times to the 3 credit bureaus. I submitted a copy of the police report I filed to show I was a victim of ID theft, and I also submitted my utility bills ( as requested by TSI ) to show proof that I've only lived in XXXX XXXX, whereas the utility bills that are in collection are for someone who lived in Texas. I sent one correspondence on XX/XX/XXXX, and another correspondence on XX/XX/XXXX. They have not responded to me, and when I call the number that shows up on my credit report ( XXXX ), it says their mailbox is full and can't receive any more messages. I don't know how else to get these guys to stop harassing me with continuously reporting fraudulent accounts to credit agencies. They have been made aware that I was a victim of ID theft in XXXX, but they are constantly harassing me with new claims. How do I get them to back off permanently? 

Thank you so much for all your help.
Product: Bank account or service

I was originally a client of XXXX, then Wachovia Bank which were purchased by Wells Fargo Bank. Consequently, I had not signed any document concerning an arbitration clause with Wells. 
On XX/XX/2013, I received a package of forms entitled " Consumer Account Relationship Change Application '' from Wells Fargo directing me to submit new signatures for my accounts to '' protect '' them from fraud and fight terrorism. Buried in the fine print text below the signature line was a clause stating that by signing the document, I agree to arbitration and not a jury or judge trial in any dispute with the bank. Needless to say, I signed nothing. The bank resorted to trickery to instigate their forced arbitration. 

PS : I still have the Wells Fargo letter if you are interested. 
. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

PayPal locked my account and will not give me access to my money. PayPal refuses to give me a mechanism to access my money.