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

I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$6200.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX Bank . 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. The following personal information is inaccurate, please remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX incorrect employer : XXXX XXXX
Product: Credit card or prepaid card

This bank closed my accounts and ended their relationship with me and then sent me a refund check which I received but when I deposited it at my bank they cant find the deposit their is something wrong I have called Pnc to inform them of this issue with the check they sent me
Product: Debt collection

I noticed on my credit report that I have a balance of XXXX owed to XXXX XXXXI have never had a phone nor account with them.
Product: Credit reporting

I have previously submitted XXXX Certified Letter via USPS mail XXXX XXXX datting on XXXX XXXX XXXX and deliver and signed on XXXX XXXX XXXX XXXX the second on XXXX XXXX and XXXX XXXX requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate. 
1. XXXX XXXX XXXX account is reported twice with XXXX accounts displaying the same account number XXXX reporting displays XXXX additional number however it is the same account opened on the same day closed on the same day with the same high balance. 
2. XXXX reporting of this account states the account has been paid with a zero balance and the account status is unknown, while the other states derogatory. 
3. Second reporting of the account states derogatory however ; the account reports no delinquencies XXXX/XXXX/XXXX. 
4. XXXX account displays a Zero balance while the other account displays a balance of XXXX. 
I have disputed this several times the first time trans union sent a letter back saying account belongs to you. Second stated that the account is correct.
Product: Credit card or prepaid card

In XXXX of this year, there were unauthorized transactions on my prepaid debit card of amounts of approximately {$180.00}. I reported this fraud to the card company, the FTC and the CFPB. The card company eventually acknowledged the fraud on my account and credited my account with the amounts stolen from me. However, the card company cancelled my existing card and has yet to provide me a replacement card to access my cash, XXXX months later. I spoke repeatedly to their customer service and they refuse to provide me with a new prepaid card to access my cash. They have my mailing address and still create roadblocks from me having access to the money stolen from me.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT 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. Premier auto credit account XXXX Open XXXX closed XXXX Balance XXXX XXXXXXXX XXXX XXXX Original creditor Balance Balance updated PREMIER AUTO CREDIT {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and XXXX XXXX XXXX of a has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

There is incorrect information on my report. My wife has the same inaccurate listing on her report as well. We sold our house in XXXX of 2021 so there was no foreclosure.
Product: Debt collection

This company originally owed to XXXX but now owned by LVNV Funding LLC. is non stop calling my phone leaving harassing messages Showed up at my house this morning threatening my brother
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion 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 ACCOUNTS FROM MY CREDIT REPORT : 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

XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XXXX Fl XXXX XXXX  Account : XXXX XXXX XXXX XXXX Dear TransUnion I was reviewing my credit report and seen some inaccuracies on my credit report. You are reporting a duplicate account on my credit report that needs to be deleted immediately! As you are aware this is a violation of the Fair Debt Collections Practices Act or the Fait Credit Reporting Act. Please delete this item immediately. I know for a fact this XXXX XXXX account was not properly verified because this is not the original account holder nor have I received any documentation as asked prior showing the steps taken to validate this debt and an original contract with my signature. I want this account removed immediately!
Product: Debt collection

SECTION 623 ( a ) ( A ) Personal Statement Personal Statement Personal Statement SECTION 623 ( a ) ( A ) i am writting to formally request the removal of inaccurate, negative, fraudulent, and outdated items from my XXXX, XXXX, TRANSUNION credit report. As per my rights under the Fair Credit Reporting Act, i am entitled to dispute and correct any erroneous information thats adverserly affects my credit standing please investigate and rectify the discrepancies in my credit reports promptly to ensure they reflect accurate and fair nformation. 
Accounts Affected
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a dispute letter to all three bureaus ( Experian, XXXX, and XXXX. ) My XXXX XXXX and two collection accounts from XXXX XXXX are hindering me from the home-buying process and they are not being reported accurately. I have tried to communicate with the bureaus, and the Creditors to no avail. They each send me from one of them to the next and I've been involved in a countless cycle of this is not our doing, contact the other to resolve. No one has been able to verify these accounts as accurate, and yet they have not been deleted off of my credit report. 

Attached is photo proof from my credit report that XXXX XXXX is inaccurately reporting my account. An account that I have paid on time, every single month since XXXX. I have had perfect payment history on all of my accounts for years- and somehow it is reporting I was on time all three years up to XX/XX/XXXX, and then magically in XX/XX/XXXX I'm suddenly 90 days late. This is literally impossible and reporting wrong. I immediately requested that this entire account be removed from my credit report and have received no response. 


Attached also below is proof that two XXXX collections are inaccurately being reported as well I called in to the collection company and they told me they no longer have my collection and they had sent it back to XXXX and I was to reach out to them for further assistance. When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist. I was told to go to the physical store for help and they told me it was outside their jurisdiction and it's best to contact customer service again. I did and again they were unable to find said account!! I also have sent dispute of this account and failed to receive request verification of this account! 

The other account has been disputed as well and again it's not reporting correctly, and it's failed to be verified as mine but it is still on my credit report.
Product: Debt collection

I checked my credit and seen I have a collection from affirm but I never did business with this company and everything I try to dispute with XXXX they never do it. 
I asked for debt validation from affirm and they never provided it
Product: Checking or savings account

Union bank refused my access to my CD account that is worth {$110.00} XXXX dollars. They Denied recognizing the Payable on Death set up with the account. They denied a transfer I made to have my funds transferred to by other financial institution. They also refused to mail me a statement of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached dispute accuracy [ 15 U.S.C. 1681i ] and important information on credit file No. XXXX dated XX/XX/2023. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, so I am imforming you the CFPB that XXXX, Equifax, and XXXX have violated me and my life by reporting inaccurate information and I have found out that all 3 bureaus are FRAUD. THESE COMAPNYS ARE ONLY to report to consumers that live in the state of XXXX  ONLY.. This is Identity Theft, FRAUD and I DEMAND A COMPLETE INVESTIGATION OF ALL 3 CREDIT REPORTING AGENCY XXXX, EQUIFAX, AND XXXX. These agencies are in violation of the law because if they are smart they would have stolen my identity and I demand these so call reporting agencies to erase my report meaning everything off my report. I am a resident of XXXX  and I demand as a consumer here to delete everything off my report bc you have no right to steal my identity and report anything when in fact u are only to report XXXX  residents only. Yes I have caught on to these FRAUD companys and I demand you delete my entire report 15 USC 1681b. I did not give consent and these so call Credit Agencys are not licensed to report peoples reports outside of XXXX... I DEMAND A DELETION IMMEDIATLY.. OR I WILL TAKE FULL LEGAL ACTION WITH XXXX, EQUIFAX, AND XXXX. I WILL ALSO TAKE LEGAL ACTION WITH CFPB FOR ALLOWING THESE AGENCIES TO BE ABLE TOO DO THIS FRUAD AND STEALING PEOPLES INFORMATION LIKE THIS. THIS IS AGAINST THE FEDERAL LAW..
Product: Mortgage

Since XXXX I have been trying to submit a request to have our home appraised in order to potentially remove the PMI I've been paying. During the beginning of Covid, I was furloughed from my job. I put my loan in foreberance for a total of 3 weeks, and paid my loan current when I was allowed back to work. We've requested the late payment to be removed, and were assured by multiple people that " a note has been put on the account, '' and to re request a PMI removal. It's been 3 times, and we've been denied due to a " Late payment '' each time. 

I have communicated with the bank if our house does not appraise well, I would be willing to pay the extra principal to get our loan under 80 LTV
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full of XX/XX/2017. I called the representative to verify and they stated that i was never delinquent or missed payments. The account is in good standings. The representative said they will have all credit bureaus remove negative items but nothing has happened
Product: Mortgage

Back in XX/XX/XXXX I responded to a mailer from a Company called XXXX XXXX XXXX XXXX, for help with re-modification on our home. 
I called the following day spoke with a gentleman named XXXX XXXX, we had a conference call with XXXXXXXX XXXX who is the holder of my mortgage, everything seemed great they sent me papers to fill out we sent them copies of a financial work sheet, prior XXXX tax forms and four weeks of our pays stubs. 
Finally after about two weeks went by I got a phone call to say we were approved for the modification but we had to make four payments of {$970.00} by the first of every month until XX/XX/XXXX then you will get you final payment. 
Well we made all of our payments to them. 
There address were the checks went to was as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number which no longer works XXXX XXXX Ext XXXX We are out {$3900.00} now and can't recover this loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I am one of the people who has had my Equifax consumer credit info compromised. I recently ( XXXX/XXXX/XXXX ) contacted Equifax to put a freeze on my credit, in response to their hack & failure to protect my confidential info. I was told by the representative that I would FIRST have to sign up for their TrustedID credit monitoring service before I could freeze my credit. I had identified myself as one of the breach victims. I let the representative know that 1 ) I had no intention of signing up for TrustedID as it would require me to give up any legal remedies ( and is not free after 1 year ) and 2 ) I knew his statement was factually, and legally, incorrect. He reiterated that I first had to sign up for TrustedID, so I asked to speak to a supervisor. After being placed in hold for a few minutes, the same representative returned ( not a supervisor ) and he said that I did n't have to sign up for TrustedID after all, and he gave me the URL for the website so I could do it online. I am convinced that if I had been a less educated consumer, I would have been forced to join their for-profit credit monitoring service and also forced to give up any legal remedies regarding the damage to my credit confidentiality. There is no doubt in my mind that people who call into Equifax to freeze their credit are being mislead and fraudulently required to sign up for their TrustedID " service ''. Note : I also placed freezes with XXXX XXXX XXXX ; neither company required me to sign up for credit monitoring or even suggested it.
Product: Checking or savings account

American First Finance is taking payment from my checking account after I have paid off account on XX/XX/23. Per my conversations with them on the phone to pay off account within 90 days I did the payoff on XX/XX/23 for $ {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and when the realtor looked at my report, I am a victim of Identity theft. I had a bunch of accounts I've never opened. Please Help me!! I have attached my Federal Trade Commisson report along with my identification. My real estate lawyer told me to go through here to ensure that I get the results I'm looking for.
Product: Credit card

Submitted the claim for a duplicate charge on XX/XX/year> and it was denied as I had insufficient proof of their error. Yet, I only rented one, not two cars on that day so, defacto, they double billed for the lump sum rental car insurance.
Product: Debt collection

I have been given a summons for XXXX XXXX XXXX XXXX XXXX XXXX for a debt that I settles with XXXX XXXX XXXX I will be attaching a letter that I requested from them that it has been paid in agreement that XXXX XXXX XXXX negotiated on my behalf due to my enrollment in their program. I do NOT owe this money as I have already paid through XXXX XXXX XXXX!!!!!
Product: Credit card or prepaid card

X/XX/2017   A  m trying t o report a charge dated  XXXX  for  XXXX  from  XXXX  in California on my  Chase Southwest c redit card.     In trying to reac h Chase ( Southwest ), I ha ve gone through their phone tree twice and find no path to report an unauthorized charge on my card.     Have also looked at Chase.com and can not find a path to report a bad charge.     Noticed online, I am not the only person with a false charge from  XXXX  but my complaint is about Chase 's lack of easy route for me to report the erroneous charge. Thank you
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/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  TO Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/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 XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX 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  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/XXXX I requested on their website a " Request of payment extension '', but the system took it under " Change of Due date '', I followed the instructions for payment extension that next payment needed to be done between 10 days of due date ( XXXX ) I made payment XX/XX/XXXX, but after that on XX/XX/XXXX I started to get " Late fee charges '' {$15.00} each ( XXXX XXXX ), I contacted them got refunded for " system mistake '', and my account still was showing Overdue of 1 month since XXXX, but they refuse to make the change in their system.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$6600.00} Opened XX/XX/year> Your company is currently reporting a negative listing to the XXXX major credit bureaus ( XXXX, XXXX XXXX, and Equifax ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. 
Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : Please verify this account belongs to me, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted.