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

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated.

According to the Fair Credit Reporting Act 15 U.S.C. 1681 Section ( a ) ( 1 ) ( A ) you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable proof ( An original contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Name of Account : XX/XX/XXXX Account Number : XXXX Reason : Unverified Account I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Sincerely, XXXX XXXX
Product: Debt collection

Continued calls with a message that says they are from the " Legal Verification Department ''. They state in the message that legal papers will be filed this afternoon. I have spoken with them and said that the debt is 17 years old. 
The phone numbers that they left me are XXXX and they called from XXXX. I have been receiving these phone calls at home, cell and now they have called my workplace. 
The debt has been discharged and no longer appears on my credit report but they keep calling. 
This is harrassment. When I have told them not to call me that use profanity and get abusive.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I certified mailed documents to XXXX, XXXX, and Transunion credit reporting agencies. Included were my copies of my driver 's license, social security card, utility bill ( as proof of residence ), a notarized affidavit stating what happened, a police report, a XXXX ( XXXX ) bureau credit report, and a copy of FCRA section 605B. Section 605B requires the above mentioned agencies, to remove the fraudulent items from my credit report within four ( 4 ) business days. 
The documents were received on XX/XX/2024. 

XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

Transunion received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

As of the submitting of this complaint, XXXX, XXXX nor Transunion has removed the fraudulent items from my credit report.
Product: Credit card or prepaid card

Purchased a tablesaw in XX/XX/XXXX with the HomeDepot Credit Card ( run by CitiBank ) and received an incomplete product. Requested a refund and for the item to be returned in XX/XX/XXXX. Contacted both Home Depot and CitiBank about the matter in XX/XX/XXXX. I filed a dispute with CitiBank for the amount of the purchase, {XXXX}. Dispute was later closed XX/XX/XXXX and marked resolved with a vague letter not clearly stating what the resolution was. CitiBank stated over the phone the credit was approved but will not refund the credit until they get confirmation the tablesaw has been returned to Home Depot. I have called Home Depot numerous times to come pick up the item and to notify CitiBank once they do. Home Depot fails to come pick up the item. I have informed CitiBank of this ; they stated they want me to begin making payments on the {XXXX} amount until the item has been returned and refuse to re-open the dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : 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, 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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING INACCURATE INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

My Amex Platinum Credit Card needs to be closed. I called AmEx 's customer service three times. The customer service told me that I have paid off all the debts. But suddenly one day I received a report that a credit card was overdue. My credit score suddenly dropped over 70 points. I complained to them and they did an investigation and wrote me last XXXX saying they would correct the error and update my information with the credit department. But until now, they've done nothing. My credit score was severely damaged by their mistake and this issue has to be fixed. They also sent me a {$1.00} check as an apology, which I felt discriminated against me. I don't need money, I need my credit score back fast.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint against TransUnion and XXXX due to the fact that they're infringing on my right to privacy. As XXXX party agencies they have been reporting personal information of mine to corporations and it has been affecting me in a negative way. I sent the them an opt out letter and a letter stating how they have negative accounts on my profile that I want removed from their database. The agencies are only updating the accounts and are ignoring the fact that they're affecting the way that I do business with financial institutions. These accounts are showing closed on my report and I demand that they're removed.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.
Product: Mortgage

I purchased a home in XX/XX/2019 and I obtained a loan that Shellpoint Mortgage became the servicer for ( LOAN # XXXX ). At that time I had my property taxes & homeowners insurance added into an impound account. In XX/XX/2019 I called Shellpoint to notify them that I had canceled my insurance and paid for it out of my pocket. I asked them to remove the payment amount from my escrow that they are collecting on a monthly basis. Shellpoint required me to send in an email with all the verification to show. I did so on XX/XX/2019 and Shellpoint responded verifying that they received the email. In the email, they stated that they would review and correct the issue. Since then I have called several times and spent hours on the phone with them trying to get Shellpoint to stop collecting the Insurance payment amount. Every time I've called they state that they are working on it and it takes 7-10 business days to resolve. The problem is that it has been 105 days since my request in writing and 74 Business days since. I would like to know why it's taking so long an where my money that they are collecting is going? Please help me resolve this issue. 

Thank you, XXXX XXXX XXXX XXXX Shellpoint ( LOAN # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA Experian They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Information sent to Experian Please find attached and circled the item that I an at present questioning. It is to be noted that the item in specific may be affiliated with personal information that you have remove prior. See attached
Product: Credit card or prepaid card

I paid off a credit card Comenity ( XXXX ) in XX/XX/XXXX. I used my XXXX card. I kept getting calls from XXXX and called a number they left on my voice-mail. I told them I paid this off. They said they would correct it and send me a letter. They did not and reported me to the credit bureau. I disputed them with XXXX and it states account paid off never late. I have not been successful with the other credit bureaus by phone. I received another bill yesterday saying I owe XXXX and they reported me again to the credit bureaus. I called the account center automation and it said balance XXXX, acct closed the same day. I was pre-approval for a XXXX XXXX but was declined because of XXXX and my bureaus lowered my scores. I can not get a.person on equal or transunion to dispute this and I was successful with XXXX. I had this store card since XXXX and was never late. My account was closed in XXXX because the store closed yet I continued timely payments until I paid them off.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item is what i am disputing. 
XXXX. Your in violation of 15 U.S CODE 1605 ( a ) and 15 U.S CODE 1666B XXXX XXXX Account Number : XXXX Please remove inaccurate late payment for XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint against [ XXXX XXXX XXXX ] for violating my rights under 15 U.S.C. 1681 ( FCRA ) and 15 U.S.C. 1666b Account # XXXX Dear CFPB, I am writing to file a complaint against XXXX XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, they have violated sections 602, 604A, and 2 of FCRA ( 15 U.S.C. 1681 ) and section 1666b of TILA ( 15 U.S.C. 1666b ).

The violations are as follows : In accordance with the fair credit act this creditor has violated my rights under 15 u.s c1681 section 602 I have the right to privacy 15 u.s c 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 u.s c 1666b a creditor may not treat a payment on a account under an open credit plan has late for any purpose. 

Thank you for your attention to this matter. 

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

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please have these accounts UPDATED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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.

EQUIFAX 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: Credit reporting or other personal consumer reports

It was a year and half ago. I sold around XXXX $ crypto usdt by Zelle XXXX XXXX  XXXX to some person. Next month, a manager call me from XXXX XXXX XXXXXXXX and told me that amount was claimed because of fraud, and they take it back from my account XXXX $ and blocked my account. I tried to explain them and gave them all evidence, but bank did nothing. For now I have mark on early warning service of fraud and it is makes some troubles to open a new bank account
Product: Debt collection

It Is very hard to pay anything when you are laid off ( which i contacted Midland because XXXX is very unreasonable ) I called XXXX to make arrangements after I found employment but was not contacted back at all! Its really sad how the physical does people. When i became back employed my mother fell ill so i barely was working and i had to take over her bills and my own. Unfortunately, my mothers condition isnt getting any better and have been told i need to make funeral arrangements in the near future. Life is happening and people are going through a lot in life. I wish there were more human beings that actually care about people instead of money. I would sign promissory note in order to stop the garnishment and will make payments until i can give a lump sum to complete payment. At this point i will have to try to come up with money for my mothers finally business. Its very sad tho that i have to even ask for grace at this hard time in my life my kids and my mom is all i have and now i may become homeless as well as not be able to put my mother away properly. I also have a situation where i am in the process of suing a bad mechanic on top of all this! All i want was to try and establish another settlement because how can u expect someone to pay a settlement if they lost their job and then i contacted them and they never called or answered the calls. They have been ignoring me and that is the reason i have had to go through the company that sold them the debt Midland Credit but now Midland doesnt have anything to do with this anymore and XXXX XXXX had yet to contact me or anything even after i called left messages and all! This company has done this to so many people and its sad! Im struggling financial mentally spiritually and physically! Its sad how this company doesnt care! And also unfair how this company sued sure the pandemic. I had a premature child then and of course they didnt care about that either. Some one has stolen my credit card info several times, the bad mechanic has all my money that i was suppose to use to pay the debt i got laid off got a new job and now they are garnishing with no word no letter in the mail or any other communication
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that dont belong to me. I need these accounts moved immediately. The accounts are as follow : 1 ) XXXX/XXXX  : account # XXXX CHARGE-OFF 2 ) XXXX XXXX XXXX : account # XXXX COLLECTION 3 ) XXXX XXXX XXXX : account # XXXX COLLECTION 4 ) XXXX XXXX XXXX XXXX : account # XXXX COLLECTION 5 ) XXXX  XXXX : account # XXXX
Product: Mortgage

On XX/XX/2018, I received a call from a man who said he was with XXXX XXXX XXXX ( my house loan was first threw paramount, they got audited, was over charging me, and my loan is now with someone else ) he asked me if I was ready to refinance..I told him it was not a good time, maybe he could call tomorrow, -he says, I just need you to say ok and I'll run your credit and get some options, -I said, no I'm not going to say that, maybe you could call tomorrow. He never called back. I woke up at XXXX XXXX  on XX/XX/XXXX, checked my e mail, and saw a hard inquiry on my credit..I immediately new something was wrong. Later that morning I called him and asked why he ran an inquiry without my permission..he kept saying it was a misunderstanding, and he had goid options for me, I was very angry, he ran a inquiry on my without my permission, is refusing to fix it, says it doesn't hurt my score as much as I think, I have had many calls from people who received my " application " that I never ever ever put in or allowed. This man in this company has went behind my back and played with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft and Transunion took XXXX XXXX  off and then put it back on. This information is fraud and I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

EXPERIAN failed to delete this negative item on my report or provide proof of verification that support this negative item on my report, according to FCRA a fair investigation need to be completed and I demanding this negative item remove immediately as its been over 90 days and item still negatively impacted my report and have not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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: Mortgage

My VA loan was refinanced in XX/XX/2021. Freedom Mortgage Corporation was the holder when the loan was paid in full. Escrow reimbursement was listed as mailed to me on XXXX XX/XX/2021. When I did not receive the check after 3 weeks I called Freedom Mortgage and was told that I could not have the check cancelled until a month has passed. After XXXX XX/XX/2021 I called again and asked that the check be cancelled and mailed out again. I was told there was a 10 day waiting period before the check can be mailed. It has been over two months since I closed on my refinance and there is {$6500.00} that has yet to be paid to me. If I am expected to wire funds to cover an escrow amount for a mortgage company I would expect a timely reimbursement. If not, I expect to be compensated in interest at my previous mortgage rate.
Product: Checking or savings account

On XX/XX/XXXX, I contacted Wells Fargo to request my bank statement to cover the period from XXXX XXXX to XXXX XXXX. I noticed that my statements typically covered periods from the XXXX or XXXX of each month to the next, which was not what I needed. 

I specifically asked for the statement period to be adjusted so I could receive a statement from the **start to the end of XXXX. The representative confirmed that the adjustment would be made and assured me that I would receive the correct statement for XXXX. 

However, when I received my XXXX statement, it still followed the old cycle and did not cover the requested period. I contacted Wells Fargo again, and they assured me that they would send the correct statement by mail. Despite these assurances, I did not receive the full statement as requested. 

Eventually, I received a partial statement that did not cover the entire month of XXXX, leaving my request unfulfilled despite multiple follow-ups.
Product: Payday loan, title loan, or personal loan

XXXX was contacted to discuss XXXX request for a pause of payment for malfunctioning solar systems. Our system is still not functioning correctly. We were told the issue would be escalated and we would receive a call back about the issue. It has been weeks and we have not received a phone call and payments have not been paused.