23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Removal of Late Payments due to unemployment I am writing to demand the removal of late payment entries from my credit report for the account ( s ) referenced above. These late payments were a direct result of being unemployed during the period of XX/XX/XXXXand I am requesting that these be removed immediately, as I believe they unfairly penalize me for circumstances beyond my control. 

1. Impact of Unemployment on Payment History As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that information reported to the credit bureaus be accurate and fair ( 15 U.S.C. 1681 ). The late payments in question occurred during a period of significant hardship when I was unemployed, and my ability to meet financial obligations was severely impacted. Under the FCRA and Regulation V, I request that these late payments be re-evaluated and removed from my credit report as they do not reflect my usual payment behavior.

2. Request for Goodwill Adjustment Given the extreme and extenuating circumstances of my unemployment, I am requesting a goodwill adjustment from the creditor ( s ) in question to remove the late payment entries. This request is grounded in the understanding that I made all reasonable efforts to make payments during that difficult time but was unable to meet deadlines due to lack of income. Removing these late payments would more accurately reflect my payment history and financial responsibility over the long term.

3. Legal Precedent and Credit Reporting Standards Under 15 U.S.C. 1681c, I am entitled to dispute the accuracy of any information that may not fully represent my true financial circumstances. I believe these late payments should be reclassified or removed, considering the context of my financial distress. Additionally, I expect full compliance with FCRA Section 605 and the Equal Credit Opportunity Act ( ECOA ), which protects consumers from being penalized for credit report information that reflects circumstances outside of their normal credit behavior. The financial hardship caused by unemployment should not permanently mar my creditworthiness.

4. Immediate Removal Request Given the above facts, I am requesting that these late payments be immediately removed from my credit report. I expect a prompt and thorough review of this matter, and I anticipate your compliance with the FCRA in resolving this dispute. Should this issue remain unresolved or the late payments remain unaddressed, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal options.

Given the above facts, I am requesting that these late payments be immediately removed from my credit report. I expect a prompt and thorough review of this matter, and I anticipate your compliance with the FCRA in resolving this dispute. Should this issue remain unresolved or the late payments remain unaddressed, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal options.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> XXXX XXXX Date of Inquiry XX/XX/year>
Product: Mortgage

I was asked to provide master condo hazard insurance coverage document for loan XXXX which i did ( XXXX certificate XXXX valid for XXXX ). Upon checking my escrow account I found that initially there was a charge of {$2900.00} on XX/XX/XXXX for a lender placed insurance and later refund of {$2400.00} on XX/XX/XXXX when Flagstar bank received the master condo policy. I was told the remaining charge was due to lender placed insurnace for not having proof of insurance for XXXX. I also uploaded the master condo hazard policy for the period XXXX ( XXXX certificate XXXX ) on XX/XX/XXXX. However Flagstar bank has not issued the refund for {$470.00} yet. I have called the customer care helpline XXXX times but there is no resolution yet.
Product: Credit reporting or other personal consumer reports

I called Experian to get my credit report on XX/XX/year> and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b. I also Attached my credit report and letter showing that Experian is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX Credit Card showed up on my credit report in XXXX and i immediately disputed the account because I never opened a credit card with XXXX or any other creditor this year. Contacted XXXX, was placed on holds, transferred around, explained I never opened this account close it immediately they told me I would need to fill out paperwork, never received paperwork called them back and they kept disconnecting my call saying without the paperwork they can not help me. Ive disputed this with all transunion, XXXX and XXXX, and it keeps coming back verified but that is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the names listed is wrong. Many address are wrong. Many phone numbers are wrong. A couple hard inquiries are wrong. Collections should be removed. Some account information is inaccurate.The last 4 digits of my social are wrong.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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. 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.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im writing to inform you of my rights. 

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 : Account # 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 an 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. 

This inaccurate information is hindering me from buying my family a home, getting approved for credit cards, and to buy a new car.
Product: Credit reporting or other personal consumer reports

I am having an ongoing issue with Commenity Bank for several months. It started with a refund that I never received. They do not email you directly, its all through an online system, unless they send you a bill due date or send you a letter saying your payment was processed. I have called at least 20 different times and emailed this company over 30 times, as well as sending them a letter to their po box , which I did not get a response from for 3 months. 
We are still in dispute. They refunded all the late fees being I was not late but will not fix my credit report saying I was late for the month of XXXX and XXXX. 
I have several letters for this company saying 'I will not be charged late fees or shown as delinquent or late to the credit agencies for those months. 
I have reported them several times through XXXX and XXXX, uploaded all of the proof of these letters and Nothing is done. 
I have seen over 50 people having the same type of problems with Commenity bank and they are getting away with it. 
What are the credit agencies for? What is the point of sending " proof '' to them if Nothing is done to help the people?? 

Please help me! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX {$1700.00} XXXX XXXX XX/XX/year> {$1200.00} XXXX XXXX  XXXX {$1200.00} XXXX  XXXX {$1700.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a recent credit report from Experian, they continue to show a tradeline that has been paid off and closed for over 4 years. The tradeline in question is XXXX XXXX XXXX,   XXXX,, opened XX/XX/XXXX, closed, XX/XX/XXXX, hi credit was {$12000.00}, it shows on report, past due, XXXX, account closed at customers request as agreed. XXXX   XXXX XXXX ASSURES me they have reported to all 3 bureaus that this account has been paid in full and the account was closed at customers request. I would like this item removed permanently from my credit report because as it is shown, it affects my debt to income ratio. Thank you for your help ....
Product: Credit card

I became aware of this Identity theft on/about XX/XX/XXXX I noticed numerous fraudulent charges that I DID NOT complete on My Citi American AAdvantage Mastercard account and maxed it out my credit card for almost {$28000.00}. and Citi Custom Cash Card that I DID NOT apply or open and that was fraudulently charges for {$8800.00} on XX/XX/XXXX as well. Someone opens credit cards and used all my information. I informed CITI that all the transaction was not mine. that I became a victim of Identity theft. I have several credit cards account had the same fraudulent transactions. I did not authorized any of these transactions. I have relayed this information to the Citi credit cards company disputed charges for months. But there is no resolution or resolve the issue until now. I had sent Police Report to the CITI Financial Institution. I called Citi several times with the Restoration Specialist from XXXX Credit Bureau, she has been helping me with this nightmare. We explain to customer rep. what happens. Then CITI AAdvantage send me the confirmation letter saying that Account Dispute information received on XX/XX/XXXX. Please, I really do need help to resolve this problem for once. Because I still keep receiving phone calls from Debt collections agency about this debt that is NOT mine. I have had my personal information compromised and a stranger has pretended to be me. Again, I DID NOT authorize all the charges, and didn't open the Citi custom card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in prior disputes with XXXX, Experian, and XXXX. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. They have no reason to assume the request was not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX, XXXX and Experian requesting that they properly verify and conduct a reasonable investigation of a erroneous reported account on my credit report. They have stated that it was updated, but I have not received anything that proves there was an investigation and that the report is accurate. I also requested validation from XXXX XXXX, and they failed to properly validate the disputed late payments. 

XXXX XXXX XXXX XXXX Account # XXXX erroneously reported 30 days late in XX/XX/2018, 60 days late XX/XX/2018 and 60 days late in XX/XX/2018. These payments were made on time and were erroneously reported late due to carryover fees after the account had been paid to a XXXX balance. I called and discussed this error with XXXX XXXX XXXX XXXX  and was told on several occasions that the errors reporting would be reversed with the credit bureaus. I was told that this information was on a recorded line and would be made available for confirmation. I have followed up with XXXX XXXX XXXX XXXX and they have not done what was promised via the phone conversations.
Product: Checking or savings account

On XX/XX/2021 at XXXX XXXX I received the following email : Hello, We have closed your XXXX account per the Demand Deposit Account Agreement. This account is not eligible to be reopened. 
We will attempt to return the funds in your account to the originator. Please contact the originator if you require access to these funds, as MoneyLion Customer Care is unable to redirect these funds for you. If the funds cant be returned to the originator, they will be sent to your state of residence upon reaching dormancy per your states laws, which varies depending on the state and can take up to 3-5 years.

Respectfully, MoneyLion Support XXXX demand deposit account provided by, and MoneyLion Debit Mastercard issued by, XXXX, XXXX XXXX, Member FDIC. XXXX is a service mark of MoneyLion, which offers the XXXX Account among its suite of financial products and services. Mastercard is a registered trademark, and the circle 's design is a trademark of Mastercard International. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. 


I called customer service and was told that there was no update on my account and that no information could be given regarding how or when I will receive back the {$1800.00} that was in my account at the time of closing. I was not informed prior to this that my account would be closed, nor was I given the opportunity to withdraw money from my account prior to closing. I was also given no reason why the account was closed and no means to retrieving my money from the account.
Product: Credit reporting or other personal consumer reports

This company is violating the FCRA by illegally reporting fraudulent accounts on my credit which were the result of identity theft. After numerous attempts and identity theft documentation was sent these companies continue to add these items on my credit report. The items were as follows ; XXXX Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. These credit reporting agency needs to permanently DELETE these items IMMEDIATELY and accounts from my reports, & block them from ever reporting again.
Product: Checking or savings account

American Express Serve card has permanently suspended my account with a balance of at least {$4100.00} from a dispute that was in my favor. There was also a balance of around {$500.00}. They closed my account while the dispute was being investigated so they never had intentions of giving me my money. That money was also direct deposits from my unemployment from Washington state so isnt that illegal for them to hold those funds? I have not been able to get to those funds since some time in XX/XX/2020. I call them continuously and no one has any information to give me because of my account being frozen. All they tell me to do is write a letter and mail it to them, which I did and still have yet to get a response. I need help getting these funds released.
Product: Credit reporting or other personal consumer reports

Today, I found inaccurate accounts listed on my credit report without any clear reason. I regularly review my report, but this time, unusual errors showed up. I tried refreshing the page to rule out a glitch, but the incorrect accounts stayed. Therefore, Im asking for a careful examination of the documents I provided to prevent this issue from recurring.
Product: Checking or savings account

XXXX Time around XXXX I tried to deposit XXXX usd through atm of GLOBAL CREDIT UNION after it counted all the money it said its more than XXXXbills so i can either continue the transaction or cancel and take the money bank i took a minute to think what it said and then a message popped up saying do you need more time i hit no and than it said your transaction is canceled take your money back It gave me XXXX back and it was making some noise after and then it stopped and a message popped up only for XXXX XXXX or short i could only read it saying you couldnt take your cash on allotted time and then the screen went back to the home mode.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the primary holder for account # XXXX I requested my wife to be remove as AUTHORIZE user and PENFED AND XXXX refused to removed account from my wife 's credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX XXXX has placed several medical debts on my account for dates that in no way possible can be accurate, they are reaged by more than a year. This company and other fraudulent companies like it ILLEGALLY re-age debt to when they received the debt not the date of original delinquency which is required by law. Every filing they have on my credit report is federally illegal due to re-aging of debt. Transunion is guilty of ignoring disputes and marking them as accurate when they don't bother to investigate at all.
Product: Credit reporting or other personal consumer reports

i have inquiries on my TransUnion report that were not done by me please remove
Product: Money transfer, virtual currency, or money service

Hello, I appreciate your response I am now going to provide my monthly statements for the month of XXXX and XXXX indicating that I in fact made purchases starting in XXXX Ive only had one account since XXXX of this year. The company coinbase has had system failure/outages a few times this year of 2020 during which my portfolio was effected but not to my doing.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How many dispute letters and CFPB Complaints do I have to submit to the Credit Bureaus in order for them to remove the disputed fraudulent accounts and information completely from my Credit File? I previously sent dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus remove the disputed fraudulent information that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and remove any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 5 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please remove the following accounts from my Credit report in accordance with the Fair Credit Reporting act section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Contacted the debt collector and asked for proof of the alleged debt specifically the original application bearing my signature. This account is not mine and I never gave XXXX XXXX XXXX any permission to use my nonpublic personal information. No goods, services, or money was obtained from this information. This is not a material misrepresentation of fact. This was not made in error. I am requesting an information block due to identity theft. This Company is fraudulently using my information without my knowledge. They have not been able to provide such proof to me therefore they are reporting misleading false accounts. Under 15 U.S.C. 1681i ( 7 ) Method of verification, this account is in violation it was reported without valid evidence. Please note my identity could have been stolen from anywhere including data breaches which could have resulted in someone creating the account with XXXXXXXX XXXX XXXX on XX/XX/year>.