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

Dispute Regarding Civil Liability and Negligent Non-Compliance under Law 16810 I am writing to formally dispute actions or omissions by cfpb that I believe constitute civil liability and negligent non-compliance under law 16810. I am raising this matter as a client and I believe that your failure to take action has caused harm and violated applicable legal obligations. 

I kindly request that you take immediate steps to address this issue. 

If this matter is not resolved satisfactorily, I reserve the right to pursue further legal action under the protections provided by law 16810. I would prefer to resolve this dispute amicably and without escalation. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account with Prime Acceptance corp that I stated I was not the joint signer on. It was fraudulent. After email the account manager or rep the supervisor agreed to remove these accounts from all of my credit reports, which they did and I still have the email correspondence from this. Now they have sold the account and this has been illegally reinserted on my credit reports.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and trafficking! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX  # XXXX DATE OPENED : XX/XX/year> BALANCE : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an entry on my XXXX report. Originally I did not even recognize the entry because it was reported as a XXXX XXXX  card which I never had. I then noticed it was from XXXX XXXX XXXX and was an account they sold to Resurgent. I had paid off the account and had an agreement that the account would not be reported and removed from my credit report. I have a letter verifying this agreement. Initially XXXX stated they had proof this was my account and I submitted a dispute saying it was to be remove per the agreement with the creditor. I have submitted the attached letter twice and asked for this entry to be removed but XXXX, XXXX XXXX XXXX  and Resurgent refuse to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding incorrect information on my credit report as reported by your agency which are TransUnion, XXXX, and XXXX. I have identified multiple late payments attributed to my accounts with XXXX XXXX, XXXX XXXX and the Department of Education. I have already contacted each of these lenders, and they have advised me to reach out to you to have these inaccuracies corrected. 

Under the provisions of the Fair Credit Reporting Act, specifically 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless they have implemented reasonable procedures to ensure that periodic statements are provided to the consumer at least 21 days before the payment due date. Additionally, according to 15 USC 1681i, no person shall furnish information relating to a consumer to any credit reporting agency if they know or consciously avoid knowing that the information is inaccurate.

Despite my previous correspondence with your bureau regarding these inaccuracies, the late payments remain on my credit report, adversely affecting my credit score and hindering my ability to secure housing for my family. I am requesting that you promptly investigate this matter and remove these erroneous late payment entries from my credit report.

If this issue is not resolved in a timely manner, I will have no choice but to pursue further action, including filing a lawsuit against your bureau for the reporting of inaccurate information on my credit report.

Thank you for your attention to this matter. I expect a prompt response and resolution to my complaint.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed these items which were opened without my permission. Under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items were opened without my authorization. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XX/XX/XXXX ===========XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX : {$3000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax consumer reporting agency will not provide me with information about proof of an investigation into a late payment reported on a closed account I had with XXXX, Account # XXXX on XXXX of XXXX. I've contacted XXXX directly and they've also advised me that I've never had a late payment while my account was open from XXXX up until it closed. I am being denied credit that I know I am eligible for due to Equifax reporting inaccurate information. Please help.
Product: Checking or savings account

This complaint to regarding Bank of America. Claim # XXXX. Claim Submitted date XX/XX/2021 in the amount of {$3400.00}. 

While using my card on vacation at the mall, I was in a hurry and quickly put my card in my pocket which must of fallen out. I did not realize my card was missing till later that night. I checked my account the following morning and noticed my account fully drained of money. I called Bank of America right away and told the customer service rep what happen and she filed the fraud claim for the transactions. I asked for temporary credits as I was on vacation and had no money to get home. She told me she will also file for hardship and I should hear back within 24-48 hours. I waited 2 days and did not hear anything back so I called Bank of America claims dept again and was told that Bank of America is declining my hardship claim and I will have to wait 10 days for any temporary credits. The customer service rep told me I can apply for a balance assist. To no surprise I was denied balance assist as well. I had to borrow money from family and friends just to get home as BOA refuse to help me with any temporary credits. Two days before the 10 days BOA said they had to give me temporary credits, BOA denied my claim and told me they can not give me any funds at all totaling {$3400.00}. I called the claims dept right away and was told by a customer service rep someone that was authorized used my card and the transactions were in line with what I usually purchase. I told the customer service rep again that my card is missing and if they actually look at my transactions they will see I do not purchase high dollar amount of clothes or have been to any of those stores and the fact my account was fully drained of money. The customer service rep also told me BOA did not even dispute these transactions with the merchants at all. I am very unhappy with the way BOA has been treating me and I will be reconsidering doing future business with BOA.
Product: Debt collection

PORTFOLIO RECOVERY # XXXX has re-inserted an debt that 1. Has been previously deleted 2. I Do not Owe 3. NOTIFIED me after the debt was placed on my credit. 
4. failed to verify this debt. 
All of these actions violate FCRA FDCP statutes
Product: Credit reporting or other personal consumer reports

I have already reported to Experian that some of my personal information is incorrect. If you would kindly delete this inaccurate information from my credit profile within the next 15 days, I would greatly appreciate it. I have listed the details of my personal information once again, which you are inaccurately reporting and must remove immediately. Please see below : - Name : XXXX XXXX. I do NOT have any other names or aliases, and I do NOT want any other names or aliases to be retained or reported. 
- Address : My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX. I do NOT have any other current addresses, and I do NOT want any other addresses to be retained or reported. You are infringing on my consumer rights. 
- Social Security Number : You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security XXXX to any company. Reporting my Social Security Number on my credit report poses a safety issue and exposes me to potential identity theft. I have already informed you about this issue, and it still remains inaccurate. 
- Date of Birth : XX/XX/1988. I do NOT have any other dates of birth, and I do NOT want any other dates of birth to be retained or reported. 
- Contact Information : My cell phone number is XXXX, and my residential number is XXXX. My employer is XXXX XXXX XXXX 
- Spouses, Roommates, and Co-applicants : I do NOT have any spouses, roommates, or co-applicants, and I do NOT want any spouses, roommates, or co-applicants to be retained or reported. If there are any, please delete them immediately or provide proof of your legitimate authority to retain or report without infringing on my consumer rights. 

Once you have removed the inaccurate information, I would like my fully completed and corrected credit report, reflecting these changes, to be mailed to XXXX XXXX. Due to these clear violations of 15 USC 1611, USC 1681n, and USC 1640, I need to be compensated {$6000.00} for each violation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX as defined by the XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX through debt bondage, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I am hearing impaired and I have contacted Best Egg multiple times regrading unauthorized transactions on my credit card. I have faxed them multiple times as I can not call them because of being hearing impaired. I have received no emails or letters in the mail just countless phone calls everyday to collect because the account is now past due and has occurred late fee 's. They will report late payments on my perfect credit reports all for an error they will not acknowledge via the letters I faxed to them to dispute this balance.
Product: Mortgage

My primary residence ( XXXX XXXX XXXX XXXX, GA ) flooded with Hurricane Irma on  XX/XX/XXXX. I have a mortgage on this property with MB FInancial Bank ( loan XXXX ). Until this time, i have never missed any payments and have stellar credit. 

After the flood, I contacted my bank to let them know of the damage and was told that per FEMA ( or FHA rules? ) I was entitled to an automatic forbearance period of 3 months. I was told to not  make a payment and that I would receive additional paperwork on next steps. I made my XX/XX/XXXX Payment, but did not make a payment in XX/XX/XXXX or XX/XX/XXXX. I Then made my XX/XX/XXXX payment - and all payments since. 

Since this time I have had NUMEROUS conversations with the bank about the process of the forbearance and what becomes of my loan going forward. In XX/XX/XXXX, I was given various options for making payment and OPTED for the option of extending my loan by 2 payments at the end of the loan period. Since then NOTHING has happened and I have never gotten any confirmation of the loan modification. I have called and called the bank, but have always been told that it was " in the works ''. 

Today ( XX/XX/XXXX ), I received paperwork from the bank and the option described above was NOT given to me. The bank basically just needs me to catch up on my payments by XX/XX/XXXX else they will proceed with foreclosure. 

I need help with dealing with this issue and getting the forbearance treatment that I was promised - and is mandated thru FEMA / FHA.
Product: Student loan

I have been repaying my federal student loans since XX/XX/12 through XXXX XXXX and then XXXX  and switched to fed loans in XXXX i have always been enrolled in a income based repayment plan and worked for non-profit. i am still waiting to an updated loan count from XXXX which i requested in XXXX the only loans " counted '' have been for the months i paid through fed loans. i have called fed loans multiple times for an update and was told there is no way for them to tell me why there has been a delay.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my federally protected consumer rights to privacy and confidentiality. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX FXXXX CREDIT XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Account # XXXX ( Late Payment ) Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : ( enter late payment date XX/XX/XXXX ) ( enter late payment date XX/XX/XXXX ) ( enter late payment date XX/XX/XXXX ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX Cc : CFPB FTC XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, Experian is not reporting my mortgage information that I have with XXXX XXXX XXXX. I have called multiple times both companies to attempt to get this situation resolved. However, to date ( XX/XX/2023 ) the information has not been corrected and/or reported! In my opinion, this is fair credit discrimination! I was denied credit by banking institutions just recently. Also, I would like to have the two hard inquiries on my credit report removed immediately! 

Thank you!
Product: Credit reporting or other personal consumer reports

-Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts # XXXX XXXX XXXX  - This account is being reported inacqurately, please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2019 I sent a certified letter to Transunion, XXXX and XXXX  informing them that there were 2 accounts on my reports listed by XXXX XXXX. Neither of these accounts are mine. I have called the original creditor and the info wasnt a match for me. I have never lived where they had these 2 accounts. These accounts need to be removed as they have kept me from getting a car loan. I have called the credit reporting companies and get the run around I have been sending letters for 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXX agreed to. XXXX XXXX XXXX has been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 
Please delete this account. XXXX XXXX XXXX did not report this account correct for more than a year. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.