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

I am asking can Barclay 's remove adverse information off my three consumer credit reports ( XXXX, XXXX, and XXXX ) concerning a one time 30 day late payment in XX/XX/2021. I missed this payment because of then COVID-19 cutbacks on time and staff at my place of employment and its has been having a adverse effect on my three consumer credit reports ever since. This one time missed payment is lowering my credit score substantially. In an effort of goodwill I am asking can this adverse information be removed from my three consumer credit reports by Barclay 's. This is the only missed payment on my credit report and my Barclaycard account is closed.
Product: Vehicle loan or lease

On XX/XX/XXXX my lease agreement with the U.S. Bank NA has expired, and I paid off my outstanding contract obligations as well as the associated Sales Tax amount. On closing of the account, the U.S. Bank NA ( tax ID XXXX ) has issued a check for the amount of Sales Tax payable to the New York State Department of Motor Vehicles. I have then deposited that check during title processing with the NYS DMV and was issued a new title for the vehicle. 

On XX/XX/XXXX the NYS Department of Motor Vehicles informed me via a written letter that the sales tax check issued by the U.S. Bank NA was returned unpaid. I was also informed that a ) a new payment is needed from me ; AND b ) the new amount due now includes a penalty for the dishonored check ; AND c ) my driver 's license will be suspended unless the total payment is received. 

Since the moment I received the above letter, I attempted to discuss the situation with the U.S. Bank NA multiple times without any success : 1. Phone calls made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 

2. Has been rerouted between multiple departments and spoke to the agents in each one : - XXXX ( customer support ) - XXXX ( lease end ) - XXXX ( lease maturity ) - XXXX ( banking ) 3. As advised on the phone, communicated the full history and provided supporting documents via fax/email : - XXXX ( customer service fax? ) - XXXX ( titling department fax - twice! ) - XXXX ( customer service manager? ) At no time has anyone contacted me from the U.S. Bank to update me on the status or with any questions. All the conversations were initiated from my side. 

As of this point, after wasting numerous hours on the phone discussing the same problem over and over, I was informed by the agent and her manager on XX/XX/XXXX that a request was sent to the " back office '' 5 days ago, that no response has been received, that it's not clear when a response will be received, and that there is nothing else anyone can do until the back office '' responds. 

Based on the above, my conclusion is that the U.S. Bank has either intentionally withheld the sales tax money they received as intermediary and fraudulently issued an invalid check, OR that the U.S. Bank is a highly dysfunctional institution, incapable of providing customer service at a reasonable level.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following account. They are a violation of my federally protected consumer rights. USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish an account without my written consent. This accounts have violated my consumer rights to privacy and confidentiality under 15 USC 1681.

US Code 1681 a5 no consumer reporting agency may make any consumer report containing any adverse item of information, other than convictions of crimes. 
XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Im filling this complaint against Experian for failing to proper investigate my disputes regarding inaccuracies in my credit report despite my submissions. 
This company refuses to provide a form 1099 C since more than two years ago to properly file my taxes to the IRS and be able to properly discharge my debt. 
Im kindly requesting that CFPB take action to ensure Experian complies with federal law, and provides prosper consumer reporting.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding the reporting of information on my credit file. As per the arbitration agreement outlined in your terms and conditions, I am formally initiating the arbitration process. 

It has come to my attention that the tradeline from XXXX XXXXXXXX XXXX with the account number XXXX, has been inaccurately reported on my credit file. Despite my numerous attempts to resolve this matter through traditional dispute channels, it remains unresolved. 

This tradeline has caused me distress and I am now requisition civil liability if I can't get a deletion! Below I have attached a letter to Experian trying to resolve this matter but it is unresolved! certified mail Tracking number USPS XXXX # : XXXX I am requesting {$5000.00} and a deletion of the tradeline above!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I have sent letters to the three main credit bureaus XXXX, XXXX  and Experian. I have yet to provided proof of this negative items on my credit report. These issues has greatly cause me stress and anxiety. As a United States Veteran I should not have to go through a great or deal to have this falsely information reporting my credit causing me a great deal of suffering. I will be seeking litigation these items are greatly causing me harm and discomfort. They should be deleted or updated immediately.
Product: Debt collection

account XXXX I have yet to receive full Validation of Debt regarding this alleged debt. It is to my knowledge that this is not owed. My full request is incomplete below are the requests : 1. The agreement which authorizes the creditor to collect debt on the alleged debt 2. The signed agreement from the debtor conforming to pay the creditor 3. The documents regarding the payments made on this account validating the amount.

4. Documentation showing you are licensed to collect debts in Ohio. 

In addition, I was again threatened to have the police called on me. This is all because of an alleged debt that I do not feel I owe. I feel incredibly threatened by First Federal Credit Control. In addition, it was informed to the CFPB that I was confrontational, and called 7 times. Calling my confrontational is slanderous and a violation. The reason I called was due to the fact I was hung up on several times and my inquires were not answered. This is considered entrapment, intimidation and a clear violation. I request this is off my credit report - I ask First Federal Credit Control to cease and desist. In addition, I hope that this is rectified soon as I do plan on escalating these threats/ violations if not rectified timely.
Product: Credit reporting or other personal consumer reports

My account with FIRST UNITED BK & TRUS was never late! I have had exceptional payment history witH FIRST UNITED BK & TRUS and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

FIRST UNITED BK & TRUS Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

Navient has harassed me and my co-signer over XXXX situations over and over for years and every time I figure out its an issue from their end and call them out on it they stop harassing for a bit. Now most recently they havent even been reaching out to me, the borrower, instead they just reach out to my co-signer without any attempts of reaching out to me, claiming that my account is past due but in reality it is not and when I call and give them payment confirmation numbers they claim that their system takes a long time to update. Yet they have already taken the money out of my account! This is harassment and they tack on unnecessary fees that dont have any explanation. They need to investigated bc they truly have nothing but Horrible intentions towards their borrowers and all they do is lie and try to steal more money! How does it make sense to never contact the borrower yet harass the co-signer? They have all of my contact information! My account is always up to date but bc of their slow system they claim its past due until I give them confirmation numbers. They have also marked my credit report and Ive attempted to dispute it several times
Product: Credit reporting, credit repair services, or other personal consumer reports

i obtained a current copy of my credit report and noticed a fraudulent account opened and a XXXX  account also opened without my consent or authorization
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of accounts below has violated my credit report. Please federally protect the consumer 's rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have privacy rights.

15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate. 
15 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt-out of any reporting of non-public info.
Product: Mortgage

Dear Sir/Madam, My name is XXXX XXXX. My wife and I initiated a refi loan on XX/XX/2020 and provided all the information requested by XX/XX/2020 with a promise from Citibank to close in 60 days. As part of the requirements for this loan, we opened a {$200000.00} checking account. On XX/XX/2020 Citi charged us {$980.00} for an appraisal. Month after month we were told that you are in a queue and the underwriter will review your application soon. After several complaints to Home Lending Officer, " XXXX XXXX XXXX '', we escalated to XXXX XXXX, XXXX XXXX manager. On XX/XX/XXXX, we were told that we have conditional approval and requested some additional info. which we provided on XX/XX/XXXX. Again, there was no progress for months. We were told several times not to pull our application as our application was close to being reviewed. On XXXX XXXX we escalated to XXXX XXXX, Divisional Lending Director. She replied on XX/XX/XXXX that they are experiencing delays due to COVID-19 and " I will ask XXXX and XXXX to ensure we have all the updated documents needed so when the file is reviewed a final disposition can be made. '' After another inquiry, XXXX informed us on XX/XX/XXXX, " We are definitely making progress and I anticipate your loan to be reviewed by underwriting by no later than a couple of weeks from now ''. After a number of inquiries in early XXXX, XXXX responded via email : " I do not have the timeframe to offer as far as the closing of your loan due to our underwriting capacity ''. We decided to pull our application on XXXX XXXX and informed Citibank of our decision and asked for a refund of our {$980.00} appraisal fee. Citibank is not responding to our inquiries. 

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

I have sent several letters and filed several complaints a XXXX XXXX account 1 ) XXXX XXXXXXXX XXXX that Transunion is reporting inaccurately on my credit report. I requested several times that they do a reinvestigation and asked that the results are sent to me in the mail but they have not fixed the items that they are reporting inaccurately. I am attaching a copy of my letter as well as a copy of my drivers license, social security card and my utility bill for proof of residence and a copy of their results with the inaccuracies highlighted attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit score through XXXX XXXX and found out that there is a " loan '' reported on XX/XX/2021 by Monterey Financial. I dont have any loan other than my car and my mortgage. I dont know what is this account for. I contacted them over the phone and they were telling me that they can open a dispute to clear this record but I had to give them all my information plus my SSN which i dont feel confident because i dont know who these people are and what they do. I need to know if you can help me to get clarification on why this loan is showing in my report. Unfortutanely, i dont have any documentation that I can provide as backup since this loan doesnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Sir or Madam, I am a victim of identity theft and I am writing to you because certain information in my file resulting from the crime has reappeared on my credit report and Equifax refuses to address the matter promptly. 
The items I am disputing do not relate to any transactions I have made or authorized. Please have Equifax remove this information at the earliest possible time. The fraudulent account appearing on my credit report is XXXX  and the fraudulent inquiries are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX and XXXX removed the fraudulent above information but Equifax had them reappear. This has been a well-established case of Identity theft and a crime. Negligence from Equifax is costing me more than money, It is costing me my emotional and mental well-being. Equifax violates section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and section 605B of the Fair Credit Reporting Act,15 U.S.C . 1681c-2. 
Please have Equifax comply with the law, and remove/block this fraudulent information from my credit file. 

I have attached the Police Report, my credit reports ( With the Fraudulent information highlighted in yellow on the Equifax Report ), and proof of my identity to this inquiry. 

Please do not hesitate to ask me for any additional information that could be of use to you. 




Sincerely yours, XXXX XXXX XXXX
Product: Checking or savings account

I bank with Wells Fargo. This bank sends returns checks thru your checking account a second time without the company the check is written to. I paid XXXX to the Electric company XXXX XXXX XXXX  I contacted XXXX XXXX XXXX once I realized the check did not clear my checking account.

XXXX XXXX XXXX told me to go and pay the bill using cash because they do not send checks back thru. I did this within a day the check was being processed again thank XXXX  I was able to stop before it processed. Wells Fargo has done this to me numerous times causing me more ridiculous bank fees. I live on a fixed budget. When this bank does this it causes other items not to clear. I called them and asked for their policy on this topic to be mailed to me or the Corporation address so I could write them. I asked them also for the policy on Wells Fargo deciding to run a check back thru my account when the company I wrote check to states they do not run a check thru a 2nd time. Wells Fargo practices needs to be looked into. I check my account on XXXX2018 at XXXX again at XXXX and each time my account balance was different. I had a car payment return the finance company said they do not run the check again unless I call them. Well sure enough Wells Fargo sent the check thru again and again more fees. I cant get ahead. My mortgage is behind. I just loss my XXXX  JOB and all the bank fees are really putting a strain on my finances. Please look into this. Consumers should be told that even if the company the returned check is on does not re run the check Wells Fargo does?? I have been asking them over and over how they die credits and debits. No clear answer once had a line of credit never used it and they just closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX 2  inquiries will be removed soon from your credit report. 

all ftc violations a sent XXXX/amazon XXXX
Product: Debt collection

We are XXXX & XXXX XXXX and we are filing a complaint against Monterey Collections. We have tried to cooperate with this company so we can get our credit in good standing and bring our association with Monterey to an end. We have not gotten a straight answer from the agency, and have hardly received any notifications from them. Our account was sent to them when our timeshare membership with XXXX XXXX was still opened. We have been notified by XXXX XXXX that our account has now been terminated. When we called Monterey they refused to speak to us about the situation, claiming we can not be helped until our balance is paid. Monterey told us we owe {$1900.00} in maintenance fees and {$1600.00} for the contract. This is a contradiction to what the resort has told us. We are no longer timeshare owners so we need this balance removed from our credit report. Monterey is still demanding the money from us and has stated that even if we pay them they can not confirm that our account will be canceled. We feel Monterey is trying to get paid under false pretenses. They are paying pennies for this debt, why are they insisting on holding onto it? They want to take our funds without canceling our account. They have ruined our credit and have set us back from moving forward in our lives. We can not buy a house or refinance. This situation has caused us a great deal of stress, and we feel it is unnecessary. Monterey has revealed to us that they are greedy and have little to no understanding of fair business ethics. We ask that you please help us solve this matter so we can return for the sense of normalcy that we are desperately longing for.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Deletion of Unverifiable Accounts Dear XXXX, Equifax, and XXXX, I am writing to formally request the removal of two XXXX XXXX charge-off accounts for {$510.00} and {$3900.00} from my credit reports with your agencies. These accounts were recently disputed and investigated on my Innovis credit report, where they were deemed unverifiable and subsequently deleted as of XX/XX/XXXX. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), a consumer has the right to dispute inaccurate or unverifiable information on their credit report. Once XXXX deleted the accounts after completing their investigation, it is clear that these accounts could not be verified. As such, in accordance with the FCRA 611 ( a ) ( 5 ) ( A ), you are also required to remove unverifiable accounts from my credit file.

Additionally, under FCRA 623 ( b ), furnishers of information must ensure the accuracy and integrity of data they report to credit reporting agencies. Since XXXX has confirmed the deletion of these accounts, they are legally obligated to report the updated information to all other credit reporting agencies. Failing to remove unverifiable accounts from my credit file would constitute a violation of my rights under the FCRA. 

I am requesting that these unverifiable accounts be deleted from my credit file within 30 days or less of receiving this letter. Should these accounts not be removed within the requested timeframe, I am prepared to exercise my rights under FCRA 616 and 617, which allow for civil action against non-compliant credit reporting agencies for damages resulting from willful or negligent noncompliance. 

I have attached supporting documentation, including proof of the XXXX investigation and deletion of these accounts. I strongly encourage you to review this matter promptly and ensure compliance with federal laws. 

Please send me written confirmation of the deletion of these accounts or provide an explanation as to why these unverifiable accounts remain on my credit file. You can contact me via phone at XXXX, email at XXXX, or by mail at the address provided above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX