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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX Date : XX/XX/2024 To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the four major credit reporting agencies. I recently disputed a charge-o for {$33000.00} from XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/2024 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 veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable 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 unveriable, I urge you to align its records accordingly. 
Please provide conrmation 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 ling 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. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Pressler felk and Warsaw tried to collect a 17 yr old credit card write off. They levied my bank account. My only source of income is social security disability and a small pension from ups. I provided all records of award letters dating back many years as well as bank statements of 3 months. They sent me a letter objecting to the levy objection saying I was missing a page of account records. I gave all of the docs to the Court administrator and she copied them and stapled them together. I mailed them certified and regular. Now my wife and I must go to court Thursday, XX/XX/30 to address this. How do I go about fining them $ XXXX per violation as per the new law?
Product: Mortgage

Towards the end of XXXX 2021 I was out of work for 2 months and got behind in my mortgage payments. By XXXX I was 3 months behind, I then contacted the mortgage company and requested their home assistance program. I submitted all the requested info and a couple weeks later was told that because I failed to send in all the info that the case was closed. I called them and talked to at least 4 people who told me different things were needed. By XXXX I submitted a complaint to XXXX because I was constantly getting the runaround and being told that all info was not sent even though I had proof that I did. After complaining to XXXX the mortgage company got back to me and said that they would check into it immediately, I then received a call from the Manager XXXX XXXX stating that she didn't understand why this was taking so long, that they had received all the proper documents and that I should be hearing from them by the beginning of XXXX. It is now the end of XXXX, I am further behind in my mortgage and I've heard nothing from the company ( New American Funding ) still. Since I decided to go with this XXXX it has been a constant struggle, getting approved, feeling extremely discriminated against and asked to do things that frankly no one I knew had ever had to do ( for instance proving where all my funds come from ) Please Help.
Product: Mortgage

PHH took over my mortgage in XXXX, XXXX. They failed to pay my homeowners insurance for that year, therefore XXXX sent me to collections for {$640.00}. I found this out in XXXX when I switched insurance companies & XXXX billed me & then sent me to collection shortly after. PHH initially told me that since my mortgage was transferred to them I would have to go back to first company -- I fought back. I told them when you buy a loan, you assume it & all of it's responsibilities -- I let them know it was their issue to fix. 

Now, were in XXXX & I am getting a cancellation notice from the new insurance company, XXXX, because once again the policy has not been paid. Please note, I called PHH to inform them of the switch. 

Oh last thing, they didn't pay all of my property taxes in XXXX. I found out there was a lien on my property by XXXX XXXX for like {$36.00}. 

PHH has resolved both issues after my calling & complaining, but I shouldn't have to deal with this. I travel often & what if I missed a notice in the mail? My credit could have taken a dive & I'm sure PHH would love to inform me how I don't have insurance when they are the ones who didn't pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX Bankruptcy including XXXX XXXX XXXX ( original creditor ) and AR Resources ( current debt collection agency ) and they will not remove the account or mark it as closed on my XXXX Credit Report. Please see attached petition for unsecured creditors included and also the order for discharge.
Product: Debt collection

I received an updated credit report with a " new '' collection added. Afni, Inc added a collection on my report in the amount of {$91.00} that was re-aged. This account has been re-aged and is falsely reporting to two of the three major credit bureaus as of today. They are in violation of Section 623 ( 5 ) ( A ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX XXXXAccount number XXXX XXXX XXXX/ Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my accounts have been frozen to protect me from the fraud thats been happening on my account. There are 3 inquires that do not belong to me and I wake up. this morning to 4, even though my account is frozen! 

XX/XX/2022 shows an inquiry for XXXX XXXX which is apart of transunion. A soft pull with lending tree, simply logging into their site, was coded by transunion as a hard inquiry despite my credit file being locked. This is against my consumer rights and rights as a united states citizen and this is the XXXX time transunion has violated my account. 

The first time they gave me a year free of mytruidentity. 

This can not keep happening as i'm trying to buy a home and your company is playing with my profile. 

My account has been frozen since XX/XX/XXXX XXXXXXXX XXXX XXXX
Product: Student loan

On XX/XX/2020 I received documentation from an unknown student loan servicer " Navient '' who will not address my concerns about this demand for payment without producing an original promissory note etc. ( view my attachment letter ). Navient has been misleading, reluctant to address my concerns, deceptive and attempts to collect payments without verification of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this account and it should be removed per their policy and what I was told in agreement to paying off the account. The account manager XXXX XXXX XXXX XXXX XXXX She stated that it was to be updated as agreed the account The website also states the new policy which is what the agreement was based on.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Apple card is showing charge off but yet it has balance which is a direct violation!! A charge off account should not have a balance please delete this immediately this is incorrect information you're broadcasting on my credit report which is illegal according to my privacy act 15 USC 1682
Product: Prepaid card

I bought XXXX visa gift cards, and they were both clearly tampered with. The glue holding them to the packaging was so stiff it could n't be removed, the magnetic stripe was deactivated, and the funds had been frozen and the card was totally unusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX ) XXXX Balance : {$280.00}
Product: Credit card or prepaid card

Dear Sir/Madam, I am writing this letter to dispute the recent decision made by Elan Financial Services to drop my credit limit from {$16000.00} to {$9700.00} strongly believe this decision was unfair and unjust, and I am seeking your assistance in resolving this matter. I started using the card more recently and was surprised to find out that my credit limit had been reduced without any prior notice. They have displayed similar actions in the past that I had to file a complaint for. Im just a consumer trying to build credit with a company that seems to be perfectly ok with destroying it as fast as they gave credit. I was never informed about any missed payment, nor did I receive any statement or phone call from Elan Financial Services regarding this matter. When I called to inquire about what had happened, I was informed that they had sent letters to me. However, I never received any of these letters, and as a result, I was unaware of any issue with my account. I was willing to make the payment in full to restore my credit limit, but I was informed that this was not possible, and I would have to request a credit limit increase that caused another credit inquiry. Keep in mind I have been making my payments every month. The payment isnt even 30 days past due but they sliced my credit limit in half. I totally didnt receive this notice so as a responsible Credit user I called to check on what was going on. I understand that Elan Financial Services has policies and procedures in place to manage delinquent accounts. However, I believe that the reduction in my credit limit was unjustified, with me making payments every month with zero issues. I thought It was on auto pay but it wasnt. So it was I minor overlook of the payment due. I am requesting your assistance in resolving this matter, and I would like to request that Elan Financial Services restore my credit limit to its original amount of {$16000.00} or higher. I believe this is a fair and just resolution. Thank you for your time and attention to this matter. Please let me know if there is any additional information required to resolve this dispute.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency.

Please remove the following accounts : 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: Checking or savings account

My husband opened an account with Wells Fargo I believe it was XX/XX/XXXX, XXXX XXXX. He advised me that he opened the account to deposit his share of his settlement/proceeds check. See attached check issued by XXXX XXXX XXXX, XXXX. They paid XXXX XXXX {$12000.00}, check XXXX XXXX on XXXX XXXX. 
My question to you, Can you please tell me if you see a wire transfer in XXXX XXXX Wells Fargo Account. The reason I ask this of you is because whatever amount of money XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have received the same and I am missing my wire transfer and I dont know who stole it but somebody stole it along with my license, cell phones, email addresses, earnest deposits, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the below inquiries, listed here as well as on my identity theft report attached due to me being a victim of identity theft. 

XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX  CA XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX TEXAS XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXXT XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX Please also remove the below addresses as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA since the addresses is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card

On XXXX, 2016 I purchased chocolates from XXXX at the XXXX in XXXX. The saleslady rang my purchase for {$86.00} when in fact it should have been for much less. When I brought this to her attention she apologized and said the sale has already been processed on my Macy 's credit card. To rectify the situation she rang up a credit on my Macy 's credit card thus effectively cancelling out the erroneous charge. When my statement from Macy 's came I noticed that the initial charge was processed but not the necessary reversed charge. I called Macy 's right away to dispute the charge and then as required I followed this up with a written dispute providing copies of the charges made by XXXX including the reverse charge. Instead of following up on this, Macy 's sent me a letter claiming that since my credit card was not stolen or used fraudulently the charge was my responsibility. Macy did not even bother to address the issue about the reverse charge I was giving to cancel out the erroneous charge. Instead Macy 's was quick to threaten to report me to XXXX Consumer Reporting Agencies for failure to make the necessary payment for something I do not owe. At the very least, Macy 's should have gotten in touch with XXXX to get a better understanding of the situation.. XXXX not only furnished us with copies of the sales receipts they also offered to help in any way they can to put the issue to rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX please remove/delete any other variations of my name : XXXX, XXXX XXXX, XXXX XXXX. I have a few fraudulent account that are on my credit file from companies that I have never done business with. I have several fraudulent addresses on my credit report never lived at the following address : XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX ,  XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have several numbers on my file the do not belong to me please delete these unknown numbers : ( 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 theses are the fraudulent account that I have requested legal documentations and have yet to receive anything back, please delete the following account XXXX # XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX  # XXXX, XXXX   XXXX XXXX XXXX # XXXX
Product: Mortgage

Hi, I utilized the pandemic forbearance plan offered by my lender, Mr. Cooper, to delay my monthly mortgage payment on my condominium in New York. I called Mr. Cooper to have the balance tacked on to the end of my mortgage as the forbearance plan was ending. They somehow have no record of this. I then asked them again to simply reinstate my monthly payment, and they have denied it and are trying to threaten me with foreclosure. I would like the CFPB to intervene and tell these frauds that they can not do this.
Product: Credit reporting or other personal consumer reports

Ive been trying to apply for new financial assistance, but theres a problem within my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX XXXX accessed my personal credit report. This inquiry is a result of identity theft. Federal Trade Commission Identity theft report is on file, and as a result I have placed an extended fraud alert on my personal credit report. Wish to have this inquiry disputed.
Product: Credit reporting or other personal consumer reports

ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Subject : Opt-Out Request under 15 U.S.C. 6802 Dear XXXX XXXX XXXX XXXX I am writing to formally request that XXXX XXXX XXXX XXXX cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as outlined under 15 U.S.C. 6802.

As a consumer, I am well aware of my rights to privacy and the protection of my personal information under federal law. According to the provisions outlined in 15 U.S.C. 6802, financial institutions are required to adhere to strict guidelines regarding the disclosure of nonpublic personal information to third parties. 

Upon review of my records, I have become aware that XXXX XXXXXXXX XXXX XXXX has been sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies without my explicit consent. This action is in direct violation of the regulations set forth in 15 U.S.C. 6802 and is unacceptable. 

I hereby demand that XXXX XXXXXXXX XXXX XXXX immediately cease and desist from any further sharing or disclosure of my nonpublic personal information to non-affiliated third parties and consumer reporting agencies. Furthermore, I request confirmation in writing that such actions have ceased, along with the assurance that my personal information will be handled in accordance with federal law moving forward. 

Failure to comply with this request will leave me no choice but to pursue legal action to ensure the protection of my rights and the safeguarding of my personal information. 
Thank you for your prompt attention to this matter. I expect a response within 30 days of the receipt of this letter. 

Sincerely, XXXX, XXXX
Product: Debt collection

This company continues to harm the consumer by knowingly reporting fraudulent information to XXXX, when there in fact HAS NEVER BEEN A CONSENSUAL CONTRACT BETWEEN CONSUMER AND THIS COMPANY. I am requesting debt VALIDATION as this company has violated the consumer in numerous ways, and XXXX accepts these fraudulent reports as accurate despite the multiple disputes.
Product: Debt collection

XXXX did Not provide a statement of charges after moving out within the 30 day time-frame that the landlord and their attorney acknowledges they had to provide the information. I did not receive deposit or statement. Landlord has tried to post charges previously on account ledger for things like eviction notice when there was never any eviction and we were never served with one but they charged a fee, charges for rent twice in one month that after i disputed with the apartment manager, they claimed was a mistake, not fixing anything in the unit then attempting to overcharge to make a large balance for tenants, etc. I just received an alert that {$910.00} was posted to my credit report. please review documents associated with complaint.
Product: Vehicle loan or lease

On XX/XX/2022 I was denied credit trying to lease a car and I was eve told I needed a co-signer for a car at a XXXX dealership with a discount code and everything! 
I was highly upset and discouraged. 
my credit was ran twice while I'm going through credit repair and its just all bad!
Product: Debt collection

Gold Key Credit , Inc. is attempting to collect debts already discharged i n Bankruptcy i n 2013   . The Debt collection company fraudulently changed the dates of the debts and have reported the debts as outstanding to the credit bureaus  (    XXXX   XXXX   XXXX   ) as current accounts.