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

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX and XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts/ Inquires 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 -XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXUS DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not authorized anyone to access my credit report. These companies accessed and used my information without my consent. Send me a proof that I authorized this entries or else remove it from my credit report.
Product: Mortgage

My payment activity is incorrect due to their system outage from XXXX. After I made my monthly payment for the XX/XX/XXXX statement plus another payment for additional principal on XX/XX/XXXX, their system said at the time that my next payment due was XX/XX/XXXX. However due to their system outage, their system tried to take the autopay for the XX/XX/XXXX from my bank account anyway even though no payment was due, and there was not enough funds in my account causing the payment to be rejected. I also got charged a NSF fee from my bank as they should not have deducted that autopay for XX/XX/XXXX. 

Because their system was down, I couldn't check my balance and what was due, so I manually made a payment which ultimately should have been entirely applied to additional principal because I already prepaid for my XX/XX/XXXX balance on XX/XX/XXXX. My XX/XX/XXXX payment is still not credited to my account correctly. My XX/XX/XXXX payment should have applied to my XX/XX/XXXX due date, and my XX/XX/XXXX payment should have been applied entirely to additional principal but it is not. An entire payment is charged with interest even though no interest should have been due for XXXX of either the XX/XX/XXXX or XX/XX/XXXX payments as there were XXXX payments made for the XX/XX/XXXX statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion on XX/XX/2022, XX/XX/2022 as well as XX/XX/2022 to have these 2 unlawful creditors items to be removed from my credit report and they have not done so the following items should be removed from my credit report due to the law : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Freeway funding kept calling me to charge me after I found my vehicle on XXXX XXXX being offered for sale as a clean title and being sold as salvage title the same day a love interest of mine was XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold my private information to three credit reporting agencies without my written and/or verbal consent which violates my right to privacy as a federally protected consumer. I have taken action to get the information removed/deleted from one credit reporting agency , which is Equifax. This violation has hindered my credit scores for years in a negative manner.
Product: Credit reporting or other personal consumer reports

-- - ** [ XXXX XXXX XXXX ] ** [ XXXX ] [ Phone Number ] ** [ XX/XX/year> ] ** Subject : Dispute of Civil Liability Negligence and Non-Compliance with Section 1681 I am writing to formally dispute an issue related to civil liability negligence and non-compliance with Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o of the FCRA, any party that negligently fails to comply with the FCRA requirements is liable to the consumer. It has come to my attention that your organization has failed to meet the obligations set forth by the FCRA, specifically in relation to [ explain what the negligence or non-compliance issue is for example, failure to correct inaccurate information on a credit report, failure to investigate a dispute in a timely manner, etc. ]. 

To resolve this matter, I respectfully request that [ state the action you want to be taken for example, removal of inaccurate information, compensation for damages, correction of errors, etc. ]. Failure to address this issue may result in legal action being taken to seek redress for any damages caused by your negligence and non-compliance. 

Please provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to resolve this dispute. If necessary, I am prepared to escalate this matter by seeking legal counsel or filing a formal complaint with the appropriate authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

A male from Eagle Recovery Associates called me said I owed {$1100.00} to a hospital and I requested a itemized bill he said one was already mailed to me months ago and I should have got one from my insurance because they paid their portion. ( I have never received a bill from my insurance showing what they paid ) I told him I had never seen a bill or statement regarding these charges. He then told me he will not send one and hung up on me when I told him I had the right to request a itemized bill and as I was that he hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Texas Debt Collection Act. In Texas, debt collectors only have four years to collect on debt the statute of limitations on debt in Texas, the clock starts ticking when you fail to make a payment to the original creditor. Texas civil practice and remedies code 16.004 I received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stating that I they have an account of mine in collections from an account opened under the name of XXXX XXXX XXXX back in XXXX, and after reviewing my credit indeed it was showing as showing on my collections tab. 

Any ways, in the letter it stated : in addition weve concluded that we are not currently reporting your account to the credit reporting agencies. But, in my credit report it shows that payments have been missing on negative status affecting my credit since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Is this is some type of XXXX that they are using? ( See attached documents ). 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX ( Also, this debt collector company shows on all three of my credit bureaus with different addresses ) Please remove this from my account immediately, from all three of the credit bureaus. 

Thank you, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Equifax was notified that the account XXXX is inaccurate and failed to correct or verify this account. They are also reporting XXXX late payments, while XXXX does not report any late payments. I contacted the creditor XXXX XXXX, and they could not verify the information reporting. I must also mention that my payments were deferred due to covid, so I am not sure why this inaccurate information is on my consumer credit report. I sent a letter XX/XX/23, and this inconsistent information persist. Being that I have tried to remedy this problem and it has been 8 months, I will be seeking legal action if this account is not removed. I am requesting that Equifax stop reporting for obvious FCRA non-compliance of inaccurate data furnished on the consumer report. Per 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation for not reporting 100 % accurately and should be removed from my credit report immediately. I have attached my credit report to show the discrepancies as well as my dispute letter, which is dated, and time stamped.
Product: Checking or savings account

On XX/XX/XXXX, I deposited {$1000.00} cash with the teller at Citibank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ). The {$1000.00} showed available in my checking account but the status was pending. However, after XXXX weeks, when I check my account, the {$1000.00} deposit record is completely gone. 

On XX/XX/XXXX, I filed a case with their customer service. 
On XX/XX/XXXX, I visited the branch. The banker there didn't see any data entry regarding the {$1000.00} deposit. However, they have camera in the branch. I immediately called their customer service to make sure when they investigate, they look into the camera On XXXX  XXXX, I called their customer service again. They said they haven't made progress on my case and asked me to mail back the original copy of the receipt. They can not disclose any detail and didn't tell me whether they checked video The receipt currently is the only evidence in my hand that showed I have made an deposit. I felt uncomfortable to hand over the original copy. Meanwhile, it's cash deposit with teller. They should be able to check with the teller, the camera or internal record for errors. 

The attached is my receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax on XX/XX/2022 asking to provide my signature authorizing these inquires. Never heard anything. yesterday I disputed online with Equifax only to receive an email this morning stating that they have all been verified. The credit bureau was closed yesterday as well as all the businesses that I inquired about. Impossible to verify. I call the bureau this morning, supervisor stated that they never received my letter, and that I must call each and every one of those companies that reported to the bureau. I currently have a job with no time to do that. I'm under the impression that was their job as they are the entity that placed this information on my report. Extremely frustrated!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, STERN RECOVERY SERVICES add a derogatory mark on my credit reports. STERN RECOVERY SERVICES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau 1700 G Street NW XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to dispute inaccurate information reported by TransUnion, XXXX, and XXXX regarding the account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and consistent information on my credit reports. After reviewing my reports, I found several errors : Inconsistent " High Balance '' : TransUnion : {$520.00}, XXXX : {$0.00}, XXXX : {$320.00}. 

Violates 623 ( a ) ( 1 ) ( A ). 

Conflicting " Date of Last Activity '' ( DLA ) : TransUnion : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX. 

Violates 611 ( a ) ( 1 ) ( A ). 

Omission of " Closed Date '' : TransUnion lists XX/XX/XXXX, but XXXX and XXXX do not report this information.

Violates 609 ( a ) ( 1 ).

Discrepancy in Creditor Remarks : TransUnion : " Charged off as bad debt, '' XXXX : " Profit and loss write-off, '' XXXX : XXXX Charged off account. '' Violates 611 ( a ) ( 1 ) ( A ). 

Inconsistent " Credit Limit '' : TransUnion and XXXX : {$400.00}, XXXX : {$0.00}. 

Violates 609 ( a ) ( 1 ). 

Payment History Errors : XXXX shows inconsistent reporting of charge-offs ( CO ), while XXXX exaggerates late payments ( e.g., 37 instances of 90-day lates ). 

Violates 611 ( a ) ( 1 ) ( A ).

These inaccuracies are harmful to my creditworthiness and violate the FCRAs requirement for accurate and verifiable reporting. I request the immediate deletion of this account from all three credit bureau reports due to the following reasons : The errors are inconsistent and unverifiable.

The reporting violates multiple sections of the FCRA, including 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ). 


[ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I fell behind on mortgage payments in XXXX for several reasons, the main being a hit and run car accident and XXXX. I contacted USBANK ( the mortgage holder ) to try and work out a plan to catch up with payments, and they put me on a plan that increased the monthly payments for 3 months to cover the months that I missed. This was a bad plan, as I did not have these larger payments in my budget, so I started spiraling in debt. I contacted XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), received counseling, and they got me set up to apply for the MD HAF program. I officially applied for MD HAF on XX/XX/XXXX, and I called US BANK to let them know. MD HAF officially accepted my application on XX/XX/XXXX. On XX/XX/XXXX, the MD HAF portal showed that my application was with underwriting and they had sent a request to USBANK for more information. I called USBANK to confirm that they were sending requested documents, however I was told that they ( USBANK ) had received communication from HAF and that they ( USBANK ) was proceeding with a foreclosure. I received an NOI in the mail. I contacted USBANK many more times between XX/XX/XXXX and XX/XX/XXXX - always the same conversation - Me telling them that MD HAF is in underwriting, and them telling me that my house is in foreclosure. They hired a foreclosure attorney. I spoke with a representative from HAF on XX/XX/XXXX, who told me they have sent document requests on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and still have not received the requested documentation. USBANK is pushing through a foreclosure while I am trying to get housing assistance, and they are not complying with MD HAF requests.
Product: Bank account or service

I was told by Wells Fargo..I have a Hold on my {$5000.00} check from fidelity because of too many overdrafts in my aaccount ... my question is can I physically go get my check back ... i need my Money for rent? 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that I did not initiate. I am trying to repair my credit so I can purchase a home and I have not allowed my credit to get looked at. I have received several alerts about my information being used on the XXXX XXXX and have been getting calls about someone trying to use my credit card as well. I really want these inquiries removed immediately so I can continue to monitor and repair my credit for future purchases.
Product: Credit reporting or other personal consumer reports

When a XXXX  XXXX case is dismissed, it is, in the view of the court, as though the bankruptcy filing never existed. The automatic stay that had protected the debtor is lifted ; creditors may pounce immediately, with results that include : Collections letters. Calls from collections departments or agencies. So how is TransUnion reporting Accurate and Verified information when this filing never existed! Once again this is fraudulent reporting on my credit report. This bankruptcy reporting doesn't belong on my credit report obviously TransUnion doesn't understand the definition of ( Dismissed ). Nor can TransUnion verify the accuracy of this account. The bankruptcy doesn't Match my current address. So why is TransUnion claiming it is? This is fraudulent inaccurate reporting! Relevant Legislation : 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Legal Rights : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct any inaccuracies within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), you must ensure the maximum possible accuracy of the information reported. I've submitted a copy of my XXXX, XXXX report and it show the inaccurate information being reported. From TransUnion and XXXX. TransUnion is in violation of my consumer rights and if this continues I will sue. This documented complaint will show I've made numerous attempts to have this corrected and TransUnion continues to violate my consumer rights when I pursue legal action. Also I can have anyone fix my credit report if I give that company permission. Theirs is no law under the FDCPA or FCRA that says I can't. This is not an unauthorized reporting.
Product: Credit reporting or other personal consumer reports

XXXX has XXXX XXXX with the account number XXXX listed twice on my credit report. One listing shows its a charge off with a XXXX balance and closed and a date opened of XX/XX/XXXX account type is revolving and a XXXX dollar credit limit, the duplicate account listed with account number XXXX shows a XXXX balance and pays account as agreed and closed with a original balance of {$100.00} opened on XX/XX/XXXX. This is inaccurate. Experience has tthr same account with XXXX  XXXX with XXXX balance and a acct charge off of XXXX dollars. I want these accounts removed from my credit reports because there are duplicate accounts of the same account on XXXX credit report and inaccurate info on all of the credit bureaus reports that contraindicate each other. AlsoXXXX is listed a creditor that goes by XXXX XXXX XXXX that lists a balance of XXXX with an opened date of XX/XX/XXXX and with no payment history. A debt company bought this debt and the balance is wrong and there is XXXX payment history. This is innacurate information on transunions report it is listed as XXXX  with a entirely different account number and inaccurate info no payment history and the balance is different. When a debt agency bought this debt that changes the amount that is truly owed as well all of it is wrong and I want this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the unauthorized inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Case Reference Number : XXXX Dear XXXX XXXX XXXX XXXX I am responding to your submission to the Consumer Financial Protection Bureau regarding my XXXX XXXX XXXX XXXX account ending in XXXX. I appreciate your efforts to investigate this matter, but I must assert that several issues remain unresolved, and I believe federal law violations exist. Truth in Lending Act ( TILA ) - Title 15 USC 1601 : Requires lenders to disclose key terms and costs of credit for car loans. I did not see that or a copy of my notice of my right to rescind. I request my downpayment FOR VIOLATION OF Title 15 USC 1605 ( a ) & ( b ) My downpayment was not factored in the finance charge as on page 4 that you sent. Fair Credit Billing Act ( FCBA ) - Title 15 USC 1666 & Regulation Z ( 12 CFR Part 1026 ) & Discrepancies in Balance ( Title 15 USC 1639 ) : The balance listed in the document you provided on XX/XX/XXXX said the balance was {$310000.00}, which is not reflected on my credit report. The balance of page 15 of the document you provided stated the balance was {$4800.00}. my credit report, published XX/XX/XXXX, proves your response about everything being accurate to be false : They all show inaccurate information published by COAF, as stated in your response. Please see the highlighted portions. Regardless of COAF preference, the Equal Credit Opportunity Act ( ECOA ) - Title 15 USC 1691 et seq. protects me from COAF from continuously furnishing inaccurate information reflecting negatively on my protected class. Please provide the address from which the car was removed and the call to prove that my XXXX mail was non-deliverable and that I continued sending mail there. On pages 11 and 13 of the documents COAF sent, the Office of the President, XXXX XXXX XXXX XXXX, stated that COAF had my car because I broke promises in our agreement. Please describe the broken promises in our agreement. Also, please provide the deal made between COAF and me. Please see the three attachments : ( 1 ) confirming my identity, ( 2 ) from COAF, ( 3 ) from me, with evidence of the fraud committed against me