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

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNT : XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

2. REMOVAL OF INACCURATE LATE PAYMENTS : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

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

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX These names above have been reported to my credit report and I have no relations with these names
Product: Credit reporting or other personal consumer reports

I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previous XXXX  Loans that are in the process of being dismissed due to me not having a Highschool diploma at the time of me getting my student loans ( Ability to Benefit ) I had 3 Sub & Unsub loans through XXXX XXXX which switched to XXXX. Each Loan had 11 Late Payments which totaled 33 Late Payments across the board.

I was informed to consolidate the loans since they were being investigated, I informed the bureaus that the loans where not reporting correctly and XXXX  has deleted the closed out account while Transunion & XXXX  has not followed suit.

Since everything on my report should be reporting accurately how is it that a account can be deleted by one company and not another. I demand that TRANSUNION AND XXXX  FOLLOW SUIT AND DELETE ANY CLOSED XXXX  ACCOUNT FROM MY CREDIT FILE
Product: Debt collection

This debt pertains to an old apartment community which I believe is illegally attempting to report debts, as the community itself is in extremely poor condition and we were not originally notified of any problems upon move out. The company they have hired to collect the debt has refused to provide verification in the previous 4 years that I have been trying to obtain it. Three letters and three phone calls and they continue to call despite the fact that it is illegal. They threaten and condescend despite the fact that this is n't about the money, it 's about the legality of the debt to begin with and their failure to comply with the law.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following accounts on my credit report. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

Do not understand how you can be charged something and you never receive the service
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) by not completing its investigation on XXXXXXXX XXXX within the required 30-day timeframe regarding a dispute I submitted. Because Equifax failed to verify or correct the disputed item within the legally required timeframe, it must now delete the item from my credit report immediately.

Details of the Violation : Failure to Investigate Within 30 Days Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies must complete an investigation within 30 days of receiving a consumer dispute. Equifax has failed to do so, making them non-compliant with federal law.

No Verification Provided Because the timeframe has expired and Equifax has not provided verification, this disputed item is now legally required to be deleted from my credit report. 
Ongoing Harm Due to Negligence Equifaxs failure to act within the legally mandated timeframe has caused unnecessary harm to my creditworthiness, and I demand immediate corrective action. 
Requested Resolution : Equifax must immediately remove the disputed item from my credit report in compliance with FCRA regulations.

A fair resolution to this issue would be the immediate deletion of the disputed item from my credit report. Since Equifax failed to complete its investigation within the required 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ), the item must be removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX  due to their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX has not provided adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they have not supplied sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to purchase a home and noticed multiple inaccuracies on my credit report, including fraudulent inquiries, accounts and addresses. I contacted XXXX, Equifax and XXXX but they did not respond, nor correct all inaccurate information. I have called them and sent them dispute letters over a month ago. In pursuant to 15 U.S. Code 1681 they are defaming my character and now willfully continuing to report false information. 

The following addresses are inaccurate- 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 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 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
Product: Mortgage

I emailed the company on XX/XX/XXXX for a PMI waiver request as our home is worth significantly more than we bought it for so we're above 22 % equity, and it said I would get a response within 30 days and never did. I responded on XX/XX/XXXX to confirm they got my waiver and got the exact same 30 day automatic email response. I then messaged them and they said I would have a response within a few days. After not hearing anything I emailed AGAIN on XX/XX/XXXX and got the SAME automatic email. I then messaged again and they said they were working on it. I messaged AGAIN and the service rep I spoke with blamed me multiple times for the late response and said it would be 30 days from when I messaged her, which at that point was a solid 45 days after my waiver was sent. I messaged last Thursday and was told they flagged it so it would be a priority and got an email on Friday saying the matter was closed. I messaged on Tuesday to confirm as I hadn't gotten a response still, and they said they didn't know why it was closed and had to re-open my case. I then messaged again today and they said it was flagged but still hadn't been completed. It has been almost 60 days since I sent my initial email, meaning I'm paying additional PMI that I shouldn't be because they won't respond to my request so they can continue making an additional XXXX dollars off of me every month.
Product: Credit reporting or other personal consumer reports

Im completely at a loss hereI checked my credit report this morning, as I usually do, and found accounts that dont belong to me. I dont understand how this could happen. I even thought my browser was acting up, so I refreshed it multiple times, hoping it was some kind of mistake or glitch. But no, the inaccurate accounts are still there. I dont know what to do, and Im truly desperate for help. Please take a thorough look at the documents Ive submitted. I cant keep living with this kind of uncertainty and worry.
Product: Mortgage

My loan servicing was sold and I was not notified by either company. I tried every option to contact the company, LOANCARE. I had set up an online payment at the beginning of the month and when it didnt deduct from my account, I logged into online acct. to find that the loan had been " paid '' with {$0.00} balance but no more info. I called to figure it out and was sent in to a prerecorded loop that never led to a human or answering system. 

I checked my mail at my previous address and current home, without success, to locate the documents for who it was transferred to. It has been over 2weeks and I still havent been notified by either company.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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

These companies broke the law and violated XXXX XXXX XXXX ( a ) ( XXXX ) & XXXX XXXX XXXX ( XXXX ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <XXXX  XXXX > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX  XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX ) ( XXXX, CLOSED ACCOUNTS <XXXX  XXXX > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. following the Fair Credit Reporting Act convergent XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I had unauthorized charges toward my cashapp account and they denied my claim twice. The charges were from XXXX XXXX they charged my account for {$50.00} 15 times within 4 minutes. On XXXX XXXX, I went to the ATM to get out {$200.00}, upon receiving that {$200.00} and my receipt I saw my balance was less then it should have been with the money I removed. I then looked at my cashapp and saw that in between me at the atm which was around XXXX XXXX  XXXX, that the unauthorized purchases from the merchant above happened from XXXX and XXXX XXXX. I immediately locked my card when I saw this and cancelled it and requested a new card. I then contacted cashapp to dispute the fraudulent activity. They denied my claim in the 3 day investigation, I called multiple times to speak to a manger or find out why it was denied but no one would give me clear answers or get me a manger. On XX/XX/2022 I spoke with a rep that eventually hung up on me not helping resolve my issues when I called back I spoke to another representative that was able to put the case up for a second review. On XXXX XXXX I received an email that the claim was once again Denied. I dont know who this merchant XXXX XXXX is or how they got my information to charge my account, it was not me and my hard own money was taken and cashapp would not assist me. At this point I feel like cashapp if fraud and they took the money
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent, inquires Midwest Resale Specialis Opened : XX/XX/, Reported : XX/XX/. Midwest Resale Specialis Opened : XX/XX/, Reported : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you
Product: Credit card or prepaid card

I submitted a dispute for services not rendered as described ( false advertising ). Another credit card company investigated the same claim in my favor, and even though I did receive services, they were subpar. I provided emails, text messages, and photos supporting my claim. I also submitted complaints to the FTC, the attorney general ( due to the false advertising/fraud ), and the XXXX. Citi bank wrongfully found in favor of my merchant and will not allow me to appeal. I have worked tirelessly to solve this with the merchant, to no avail.
Product: Checking or savings account

My Wells Fargo card got stolen and information was taken On XX/XX/XXXX a fraudulent check was deposited to my account for {$1100.00}. On XX/XX/XXXX an ATM withdrawal for {$400.00} was completed along with another ATM withdrawal {$720.00} on XX/XX/XXXX Since everything happen around XXXX on XX/XX/XXXX when the check was deposited and equal money was withdrawn I didnt notice it on my account. 
On XXXX XXXX I received an email from my bank saying that my account had reached XXXX balance thats when I checked my app and saw a negative balance on my account and I called the bank I filed 2 claims 1 for the check & the other one for both the ATM withdrawals ( {$400.00} & {$720.00} ) Well Fargo closed my claims and will not help at all now they told me I need to pay the {$1100.00} out of pocket in order for my account not to be at a negative balance or send me to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax XXXX XXXX. My name is included in the list of potential clients affected. At this stage, I have no idea how badly impacted I have been and am assuming the worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 11 months, I've been attempting to get Experian to correctly show an account which was paid in settlement. Additionally, I've had numerous problems submitting disputes and not getting issues resolved. 

Most recently, I've submitted now two disputes with Experian for a debt that was settled in XXXX of XXXX that as of XX/XX/XXXX, they began to report on my credit report was a " late payment '' This has harmed my ability to get credit and hurt my credit score. 

The account, a former XXXX XXXX credit card shows an open balance of over {$2900.00} which a debt collector, XXXX XXXX XXXX, acknowledged was settled last year. 

This has been brought to Experian 's attention numerous times with no corrected update made.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I obtained an automobile loan for a XXXX XXXX XXXX VIN XXXX ( See attached Florida Vehicle Registration ) from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, United States I pay {$400.00} every XXXX weeks ( See attached receipt for XX/XX/XXXX payment ). As of the report of this complaint, they have not reported the loan to Transunion, XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 Title Max created 3 fraudulent contracts for various amounts and is trying to make me pay and are holding my title in an attempt to extort money from me
Product: Credit reporting, credit repair services, or other personal consumer reports

For more than two years, I have submitted documentation several times to XXXX with information that substantially proves The XXXX  XXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, The XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly. 

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by The XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to The XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.
Product: Debt collection

On the XX/XX/XXXX I received a letter from the XXXX XXXX XXXX XXXX. The was to collect a debt for a credit card. The debt was turned over to a collection agency and they want the same amount as AAFES. I tried nu.erous times to work with AAFES to pay my debts. I called and emailed. No response. Was told I was only allowed to XXXX XXXX money after they signed me up for automatic deductions/withdrawals that I didn't sign up for. They charged me for late fees or NSF because of this. 

They have also told me I am not eligible for this card. It is required that you be in the military or a veteran. If I am no eligible for the card, how did I get the debt in my name?
Product: Debt collection

Bank of America changed the forgiveness amount of a PPP loan from {$9000.00} to {$290.00} after we provided more than ample proof that we used the money correctly. We have made countless attempts to rectify the situation and were promised on XX/XX/21 that the full amount of {$9000.00} was forgiven. We are now receiving collection calls and no help from any of their staff. Our paperwork keeps disappearing from their system.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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** As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.