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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX Experian Consumer Solutions XXXX XXXX XXXX, XXXX XXXX TX XXXX Consumer Statement : I am writing to dispute the accuracy of the below items as it does not pertain to any transaction made by me. This information is the result of identity theft, and I request that it be promptly removed from my credit report to prevent further harm to my financial standing with respect to the FCRA 15 USC 1681 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605B & Permissible purposes of consumer reports Fraudulent and Inaccurate Personal Information XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Va XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX TE XXXX, Fl XXXX XXXX Accounts in Collections XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Fraudulent Closed Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX. XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) that the information may be a result of identity theft ; that an identity theft report has been filed ; that a block has been requested under this section ; and of the effective dates of the block.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the late opening of my accounts and the removal of charge offs from my credit report. Despite our ongoing efforts and numerous attempts, it appears that the issues have not yet been resolved. 

I kindly request that you escalate this matter and take all necessary steps to address the late opening of my accounts and remove the charge offs from my credit report. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that resolving these issues may require time and effort, but it is imperative that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. The following late open accounts should be corrected and charge offs must remove as soon as posssible : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$35000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX Balance : {$10000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX  XXXX XXXX XXXX Balance : {$440.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX  XXXX XXXXBalance : {$460.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX Balance : {$250.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX Balance : {$3600.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 35 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report. Its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information about a bankruptcy that was filed 7 years ago.   the Bankruptcy is from  XXXX  Georgia Bankruptcy court. This action occurred in or around  XXXX  -  XXXX    XXXX  . This bankruptcy is past the legal reporting period of 7 years, per the FCRA guidelines.
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. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX NAVY FEDERAL CR UNION 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

I have my mortgage through Pacific Union Financial. 

My XXXX Escrow was incorrectly charged {$1800.00} to a different insurance company. 

After calling immediately, the supervisor said they would work to remove the charge by the end of XXXX. The end of XXXX arrived and my next mortgage payment was {$1000.00} instead of the expected {$740.00} ( perhaps slightly adjusted for taxes ). We called the consumer service line again and was told we had to wait for the refund to arrive before analysis could be run. This was the error, we should not have been responsible covering the {$1800.00} charge on our account. 

XX/XX/XXXX, I called again and they said they submitted the escrow for re-analysis. 

XX/XX/XXXX, I called again and they requested a new escrow analysis. 

XX/XX/XXXX, Insurance department supervisor for the insurance department stated that they had expedited the analysis requested the previous week, but I would still owe the {$1000.00} for my XXXX mortgage payment. 

XX/XX/XXXX, Insurance department supervisor informed me that the escrow department had denied the re-analysis request from earlier in XXXX, but did not specify the reason. I was unable to be connected to any escrow representative or have the mortgage payment adjusted for XXXX, even though this was Pacific Union Financial 's error on my account. They said the readjustment could take several weeks, by which time, I expect they may also over charge me for XXXX, which I can not afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

during the months of XXXX and XX/XX/2019 we paid our auto loan on time. we never was late. please check this when eve I call they say well its your problem and this is in our records. IF ITS OUR FAULT WE WILL UPDATE IT. I have not received any updates from them as to when these lates will be removed. Ive been trying to close on my mortgage for 11 months. I need this fixed. Please help
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation of my credit report and found several items on the report that were 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, if after any reinvestigation under paragraph ( 1 ) 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 : 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the account related to National Credit Systems from my account immediately so that my credit doesnt continue to be gravely affected.
Product: Checking or savings account

My checking account was originally opened as a joint account with the mother of my child. She and I are no longer together, and the account was changed from a joint account to a single account in my name on or about XX/XX/year>, with the other partys consent. I recently had an overdraft, which was an oversight on my part. Initially, I was unaware of the overdraft, because I did not receive notification. I found out about it because Citizens sent email notifications to the mother of my child, not me. I attempted to contact Citizens on multiple occasions to correct this, but was unable to get through due to long hold times. According to my online banking, this is a single account in my name, and I will attach a copy of my statement as proof of this. The email notifications should only have been sent to my email address on file, but were sent exclusively and/or additionally to XXXX, which belongs to my childs mother. These notifications included account-specific information, violating GLBA. There were at least 6 notifications sent to the unauthorized 3rd party that I am aware of, but possibly more occurred.
Product: Credit reporting or other personal consumer reports

I am reaching out to request the blocking and deletion of fraudulent accounts and inquiries on my credit report due to unauthorized activity stemming from a data breach. In compliance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that you remove these items from my report to prevent further misuse of my personal information. 
The fraudulent accounts and inquiries that need to be removed are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I received a letter from the Trellis Company on XX/XX/2020 claiming that I owe {$11000.00}. They went on further to say that I defaulted on this obligation. I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe {$11000.00}, and they would proceed with contacting the U.S. Department of Education to resolve the issue. It appeared that they were coercing me to make a decision. There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds. I financed my education for my degree with grants, scholarships, veterans financial aid, work study, and regular employment with two jobs. 

I need Trellis to be forthcoming with specific details. I am currently paying for defaulted student loans with an offset of my social security and income taxes with the United States Treasury. My current financial situation is dire and difficult I have fully cooperated with my lenders. I am currently on an IBR because I am at the poverty level, and I have a serious medical condition with high medical bills and prescription medicine that I take. My medicine is life critical medicine, if I do not have any or can't purchase it, I will die from not having the proper medications. I am XXXX years old and an XXXX XXXX XXXX Veteran.
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX we ( myself XXXX XXXX XXXX & My wife ( XXXX XXXX ) ) have bought a camera lens item name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$2300.00} total amount using XXXX checkout with my Citi Credit card ending XXXX ( attached the ebay_order_confirmation.pdf ). 

after few minutes at XXXX i got a email from paypal saying you got a refund for you purchase ( attached at XXXX ). 
i assumed seller has canceled the transaction and returned the money. 
i don't know the reason. i waited few more days to see the credit back on my credit card. 
i emailed the seller on ebay the seller response was the account was hacked and he never actually sold any such item and asked me to contact ebay and XXXX. 
i have attached the 3 conversation we had about the issue ( see seller_response attachments as well ). 

on XX/XX/XXXX i got the paypal email that the refund was unsuccessful. ( see XXXX ). 

i tried to contact XXXX and XXXX they were all shutdown due to pandemic, during this time around XX/XX/XXXX i opened up my credit card dispute as item canceled since i got the refund confirmation but not no money back. 

meanwhile i continued contacting XXXX and ebay, no one helped because there is an existing dispute handled by credit card. 

on XX/XX/XXXX got a email from credit card about the credit dispute that it was denied and the reason was not mentioned. 

i called them asked them about it and i asked them to review the case and i asked them to change the case to item never received dispute. 

Citi cards requested documents which i submitted all the documents in hard copies sent out via USPS ( here is the tracking number : XXXX ). 

after few months days they denied the case XX/XX/XXXX, saying documents never received and they closed the case without any refund to me. 

i called citi cards and appealed the case again told them i sent all the tracking information and send all digital copies as well. they reviewed the case and said that they couldn't do. i appealed the case again on phone and they reviewed again and on XX/XX/XXXX they denied the request for appeal saying the time frame is passed. i never made any mistake. i gave all the documents required in time. 


please see all attached documents with proofs
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2017 I went to purchase a car. I asked them to run my credit for a specific loan company and my credit was sent to multiple places and I did n't authorize that as I was approved for the place that I asked them to send my application to. I did not sign a contract to have my record sent to these companies.I mailed a letter to all four of these companies in XXXX 2017 and they did n't respond to me and its now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX took money from me for a subscription that I did not want. XXXX refused to refund me and when disputing the transaction Cash App will not help me. I should not be forced to pay for a subscription I am not using. I canceled as soon as I noticed $ coming out of my account. I also deleted the app and found a completely diff app to use.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report, FTC REPORT NUMBER : XXXX, to support my fraud claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days.

The following information on my credit report is the result of identity theft or fraud and should be blocked : XXXX - XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of XXXX year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified.

I have contacted EQUIFAX several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period.

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my report since XXXX with no prevail. My credit score dropped because an account that is a charge-off ( after 120 days ) is still reporting open on 2 of the 3 Bureaus. This had affected my credit score significantly. Please help me fix these issues. I know they are in violation of my rights, but NO ONE will fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have no choice but to submit a complaint against a nationally known vehicle finance company known as XXXX XXXX XXXX. My argument is based upon the implementation of two separate federal laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My argument is against an abusive derogatory placed on not only mine but my wifes credit report, with each respective credit reporting agencies, Experian, XXXX XXXX and XXXX  respectively. I have had an impeccable payment history with XXXX XXXX XXXX since XXXX, as he attached credit reports shows Account Number XXXX opened XX/XX/XXXX, a perfect payment history until the vehicle was traded in for a new lease in XX/XX/XXXX. That loan payment history was perfect Account XXXX XXXX. As you can see from the attached two credit histories of the same account, on XX/XX/XXXX the account shows PAID. CLOSED/NEVER LATE as of the lease close out XX/XX/XXXX. At that time my wife XXXX took a new lease with XXXX XXXX XXXX XX/XX/XXXX. Is was not until a month later when both me and my wife received a notice by mail that there was an additional charge on vehicle maintenance. I made the necessary arrangement to pay the additional lease charge that had absolutely nothing to do with any payment history. XXXX XXXX XXXX can not mingle payment histories with any substantive collection issue after the fac. This is in fact not only a Fair Credit Reporting Act violation but a violation under the Fair Debt Collection Practices Act : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If American Honda Finance had a financial issue with the lease, then after the payoff the only remedy would be through the FDCPA. FCRA does not apply..period. Accordingly, XXXX XXXX XXXX has applied a separate but highly illegal interpretation in its collection criteria by abusing the FCRA along with its tightly controlled subscriber agreement with each respective credit reporting agencies. The Consumer Financial Protection Bureau is the super-ceding authority on the implementation of FCRA, and I believe that the American XXXX XXXX company should be investigated including a full legal review of its contractual agreements with the general public. Sanctions are of necessity on this issue. I demand the late payment back-dated to XX/XX/XXXX be deleted, and that XXXX XXXX XXXX issue a policy change to the American public through the CFPB.