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

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I started getting credit card statements in someone's else 's name at my address. It is a Sears card through Citi. I have been returning to sender with " person not at this address ''. I also received a letter indicating that replacement cards are being issued and will be sent to my address. I have spent 2 days and called about XXXX different XXXX # 's to try and get a live person on the phone. All you get is the " Speech enabled system ''. I tried calling the corporate office phone # listed on the internet for Citigroup and got someone but she was in public affairs. The fraud phone # that is provided puts you in this same " speech enabled system '' which is comforting to say the least in the case of fraudulent activity.

I do not have a Sears card and I question whether there has been identity theft here or just a strange " clerical '' issue though I can't believe the person did not know their address.

I am seeing that I am not the only one having issues with the Citi Sears card as there are many inquiries from people on how to reach a LIVE person for Citi and/or Sears card . 

This has been maddening. I need to get this resolved and get assurances that there has been no identity theft.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report showed an {$10000.00} home equity line with SunTrust as open when it was closed in XXXX. It was to be on my credit report until XXXX of XXXX. It showed a excellent payment history since the XXXX 's. I was trying to clean up my credit report after dealing with identity theft. And requested they mark it as open. Instead of fullfiling my request as it should have been handled, they deleted it instead. 

After cleaning up my identity theft on XX/XX/XXXX my XXXX was at XXXX after some very hard work cleaning up what had happened. When SunTrust deleted one of my credit histories with them instead of closing it like it should have been, my credit score with XXXX dropped immediately to XXXX overnight! XXXX told us that the fact that they deleted, instead of closing it, has they should have, caused me to suffer the score damage that resulted. They said this looks like we defaulted on the line as it was not to be it before deleted before XXXX of next year. 

I approached SunTrust by mail and by phone about this. In all cases they said now that it was deleted there was nothing they would be willing to do about it. 

I will be happy to provide copies of letters from SunTrust or any other information upon request.
Product: Credit reporting or other personal consumer reports

My social is XXXX XXXX XXXX, and on or around XX/XX/XXXX XXXX, and XXXX neglected my attemps to have false information and unsolicited credit checks removed from my accounts
Product: Debt collection

On XX/XX/2022 I received letter from DCM SERVICES LLC stating I owe them a debt. I responded with request to validate said debt and attached a form to be filled out it its entirety and sent back to me ( which they have failed to do ). Statements with my personal and private information is not a contract binding me to the third party debt collector ( DCM SERVICES LLC ). They have sent me false and deceptive forms and infringed on my right to privacy.
Product: Debt collection

I was a defendant in a landlord tenant claim which I was found to owe money, the " order granting judgment dated XX/XX/2017 is for {$5400.00} ( which includes damages of {$5100.00}, costs {$110.00}, and attorneys fees {$150.00} ). I borrowed money from my 401k to pay this, and they sent a letter back that as of today XX/XX/2017 I owe XXXX due to interest being charged. This is a lot of interest for 2 months.
Product: Credit card

To Whom It May Concern, I am writing to address my credit card account and the challenges Ive faced recently. Over the years, I have made timely payments and even opened additional products due to my positive experience. However, since the system update, I have encountered significant difficulties with making payments. My app continues to prevent me from processing payments for my credit card and auto loans, which has negatively impacted my financial standing. 

I have been doing my best to manage my responsibilities, especially after taking in my fXXXX who lost his home in the XXXX. We are now in need of a larger home, but my recent late payments are hindering our ability to secure this necessary accommodation. I kindly request that you consider removing the late payments from my account as a gesture of goodwill, allowing us to alleviate our financial burden and move forward positively. Thank you for your understanding and assistance.
Product: Debt collection

Persuant to 18 usc 8, i owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past few months I have received more than 10 Alerts thru my XXXX XXXX XXXX privacy assist with unauthorized credit inquiries. These have been across all 3 credit bureaus ( XXXX, XXXX  and TransUnion ). I have not authorized any of these inquiries and have no knowledge of how my personal information was acquired. I also received another alert from my Corporate Credit Card Company-XXXX XXXX, about a similar credit card inquiry in my name as well as a XXXX inquiry. As none of these have been authorized I want to assure these are removed from each credit bureau 's file so that my credit is not impacted. I have also spoken with the 3 credit bureaus and have placed an alert and a freeze on my credit account file.
Product: Mortgage

I am writing to notify the CFPB about the inadequacy of BOA as lenders and their skirting of duties to pay our property tax on time. 

This Spring, we received a secured property tax from XXXX XXXX XXXX, specifically Escaped back taxes for XXXX XXXX ( {$3400.00} ). In XX/XX/2022, when we initially contacted BOA about this tax bill, we were told that this tax bill was BOA 's responsibility and it would be paid out of our escrow. Several weeks later we noticed that the tax bill was still not paid, and when we called to check on the status of the payment, we were told that they were still working on payment. We called back later again to speak to the BOA escrow department, and at that point were told that it was our responsibility to pay this tax bill. At this point, we were already being charged a late fee ( {$380.00} ) which we could have avoided if we had been given the correct information ( that the Escaped Back Taxes were our responsibility ) when we initially called. We believe that the late fee should not have come out of our escrow but should have been paid for by BOA because of the incorrect information we were given when we initially asked for guidance. 

This Fall, we've had to chase down the BOA mortgage to pay our property tax bill as well. Initially, we noticed that there was no fund extracted or prepared for the property tax due in XXXX. We called BOA and they gave us the completely wrong property tax amount ( half of what was actually due ), which I corrected. The next time I called back, they confirmed that they had the correct property tax amount which was being prepared to be paid. This has yet to happen. Our property tax was due XX/XX/XXXX and it is now XX/XX/XXXX and there is still no payment that is in process when I call into the automated line.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed some inaccurate accounts that are currently being reported. I've made a list of all the inaccurate accounts that I would like removed. I'm in the process of starting a business and I'm unable to get access to loans. Please review all of my documents and remove the accounts that are listed. Please see attached
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached criminal background check. I 've been unemployed for almost 8 months, and FINALLY have some VERY GOOD opportunities/leads, but if these outdated charges appear on my background check, I 'm certain, I will discounted for employment. Please help me. Details : There are " XXXX '' XXXX XXXX  listed in detail from XXXX County, FL in  XX/XX/XXXX and XX/XX/XXXX that were dismissed and gone ( I thought ), but they show up, loud and clear. There is also and admission of XXXX XXXX XXXX in Colorado, but nothing showed up on the search - PLEASE, PLEASE REMOVE THAT FROM PUBLIC RECORD. All of this will likely hinder my chances of employment, that were disposed, and should be removed due to the statute of limitations ( as I understand it = 7 years ). I 've highlighted everything of concern that I hope you can remove. Please help me. I 've worked very hard to clean my credit and get my life back on track. Thank you very much for your time!!!
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) recently took action against Equifax for its failure to conduct proper investigations of consumer disputes. This failure includes Equifax ignoring consumer documents and evidence submitted with disputes. Equifax is ordered to pay a {$15.00} XXXX civil money penalty to the CFPBs victims relief fund as a result of those various violations. These failures directly align with my personal experience and I have been victimized by Equifax 's failure to conduct proper investigations of consumer disputes. Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report ; this failure is causing inaccurate or unverifiable accounts to be unresolved yet remain on my report. Equifax has never provided me with ANY PROOF of how the XXXX XXXX XXXX XXXX XXXX XXXX account listed on my report was allegedly verified, the method of verification or PROOF that the company trying to collect on the disputed account even has the LEGAL RIGHT to collect. Equifax is wrongfully causing ongoing harm to my credit standing as well as violating federal law and my rights as a consumer. I therefore request that immediate corrective action is taken and for Equifax to permanently delete XXXX XXXX XXXX XXXX XXXX XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collections account appeared on my credit report that I am not aware of, I already submitted disputes on the credit bureaus but have not received any response. Below are the collections appearing ; XXXX XXXXXXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ XXXX XXXX ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

XXXX breach caused my ftc violation XXXX XXXX 2 accounts elan financial sent the police report with all ftc violation j
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan Servicing reported to the credit bureaus that my Federal Graduate Plus Loan payment of {$130.00} was due in XX/XX/ 2019 when I am enrolled in an 8-year XXXX  program at a university. I was totally shocked when a credit union gave me this bogus information, today, when applying for an auto loan. No one from FedLoan Servicing has contacted me with this information as I check the website often. I called FedLoan Servicing and the lady I spoke to had this lackadaisical attitude, stating that the information was entered when there was a break after the last quarter. There is always a break before the start of the next quarter -- this is madness. She, also, stated that I should have this information, but discovered that the letter had not gone out to me. FedLoan Servicing was quick to submit a bogus credit report. FedLoan Servicing stated that the information has been updated, but I demanded an answer as to why this was deliberately done. This action of FedLoan Servicing is a violation of federal law. 

There was never a communication to me of this loan being due while I was still in school nor was a monthly payment of {$130.00} conveyed. I am sure FedLoan Servicing is well aware of the quarter system of a university. I am working on my XXXX  which is an automatic deferment.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. When I reviewed my credit report, I discovered that some of the information was erroneous. 
The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6700.00} XXXX XXXX XXXX Balance Owed : {$47000.00} XXXX XXXXXXXX Balance Owed : {$35.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. 

I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. 

I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's action have damaged my credit rating and hindered my access to credit. 

The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. 

The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.