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

Subject : Demand for Removal of Inaccurate Inquiries To Whom It May Concern : I am writing to dispute and demand the immediate removal of several unauthorized inquiries that are inaccurately listed on my credit reports with the XXXX major credit reporting agencies ( Equifax, XXXX, and XXXX ). 

The specific inaccurate inquiries that must be removed from my credit file are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX have XXXX XXXX credit reports thoroughly and did not authorize or initiate any applications that would have resulted in these listed inquiries. Including inaccurate inquiries violates the Fair Credit Reporting Act ( FCRA ) as it misleadingly makes it appear that I have applied for credit from these entities when I have not. 

The FCRA mandates that consumer reporting agencies follow proper procedures to ensure maximum possible accuracy of credit report information. Reporting unauthorized inquiries constitutes inaccurate information under the law. 

I am formally demanding that each of the XXXX XXXX credit bureaus immediately conduct a reasonable reinvestigation to verify whether I authorized the inquiries listed above. If your reinvestigation can not confirm that I applied for credit with these companies, then you are legally required to promptly and permanently delete these inaccurate inquiries from my credit file. 

If these unauthorized inquiries are not removed from my credit report within 30 days, I will have no choice but to pursue further legal action against your agency for willful non-compliance with the Fair Credit Reporting Act. 

I am entitled to a written notice once your reinvestigation is complete, confirming which items were modified or deleted from my file. Please provide this confirmation once the inaccurate inquiries have been permanently removed. 

Thank you for your cooperation in promptly correcting my credit report pursuant to your obligations under federal law.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Dates of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount of Late Payment : {$320.00} I assert that the reporting of this late payment is in violation of the FCRA for the following reasons : According to 15 USC 1681a ( 2 ) ( a ) ( i ) Transactions and experiences between the consumer and the person making the report should be excluded from my consumer report. 

To support my dispute, I am enclosing copies of any documentation related to my account with XXXX XXXX XXXX as well as any correspondence or communication I have had with XXXX XXXX XXXX regarding this matter. 

Per the FCRA, I have the right to dispute and have corrected any inaccuracies on my credit report. Therefore, I kindly request that you remove the late payment entries associated with my account from my credit report promptly. Additionally, please provide me with a written response confirming the removal of the late payment entry and any other actions taken to address this FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to Experian disputing 6 accounts as fraud on XX/XX/XXXX via fax with return receipt. After receiving no response after 30 days, I again sent a letter to experian on ( XX/XX/XXXX ) via the online CFPB consumer complaint portal. I received notice via that same CFPB portal that experian received the dispute letter on ( XX/XX/XXXX ). As of XX/XX/XXXX Experian responded back to the CFPB complaint stating what has been removed and what has been verified without proof of method of verification used and well after 30 days for the 2nd time. Federal law that protects my rights as a consumer states that credit reporting agencies have a total of 30 days from receipt of a debt validation request to provide proof or remove accounts. Experian continues to violate my federally protected rights by displaying their disregard for the law by responding after the 30-day threshold. It is now ( XX/XX/XXXX ) and I still have not received a response from experian in writing other than a later than 30 day notice through the CFPB online portal. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Student loan

I applied for XXXX XXXX  but Nelnet keeps applying deferment and forbearance to my account in attempt to collect more interest and they avoid all communication and puts their phone on 24 hour hold. They been emailing that save plan is in process. Many people reported Nelnet as well because Nelnet generates wrong bills and avoids communicating. My account should have been ob XXXX XXXX  but they choose to ignore.
Product: Debt collection

This debt has been paid directly to the original owner of the debt, a local Utility company. They have been accepting payments on this debt for months now, and it has been paid in full as of XX/XX/2019. While the full balance has not updated as yet, this debt collection company has no right to keep reporting an incorrect account on my credit report. I have been in negotiations with the original owner of the debt, and have been paying since XX/XX/2019. They have been willing to accept payments, and I have discussed deletion with them directly. I have no contract and therefore, nothing to negotiate with this debt collection company. Please delete this account from your records as soon as possible.
Product: Credit reporting

I checked my credit score recently after i had some things removed that were negative marks on my credit and was told by credit bureau my credit score would go up. I had a XXXX score at the time and score went down instead to a XXXX currently which I believe should not have happened. when you clean up your credit which I did credit should improve. I talked with the credit bureau of trans union and they just kept telling me the score is correct. If you examine my credit you will see all my bills are up to date paid and only 1 recent late pay XX/XX/XXXX. No judgements or derogatory marks are on my report at all. How could my score go down when you get the bad things on your report removed? Please look at this and have transunion correct this problem. Thank you.
Product: Checking or savings account

On Friday XX/XX/XXXX I transferred the amount of {$200.00} from my XXXX checking account into my Citibank checking account. I attempted to access the funds that same day and was prevented from doing so. 

I called Citibank and asked why this was happening. They said that the account was blocked pending verifying in the form of a reference number sent in a letter. For whatever reason they allowed the transfer of funds into the account to go through despite this block. 

For the last week I have been trying to access my money in the Citibank account and they refuse to permit me to access the funds I had transferred in pending the reference number and letter. 

They have all of my pertinent information. Information I can verify quickly. Yet they are making me wait for the arrival of this letter in the mail rather than sending it through email. 

The fact that they permitted funds to be transferred into the account when it was supposedly blocked from any transactions is to me a sign of fraud. If the account was blocked the transfer should never have been able to go through.
Product: Credit reporting or other personal consumer reports

I requested the inquiries be deleted and they removed it and sent me confirmation of its removal but yet its still on my credit report which IS ILLEGAL!!!! Im forced to seek litigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/22 I got a pre approval fro TD bank with a XXXX present transfer fee XXXX percent for XXXX mo.okay I get the bill and charge me the XXXX persons in my payment XXXX fee plus the payment minimal total of XXXX they said they disclosed it they did not and if they did talking very fast that I did not comprehend I have transferd from other credit they always put in the remaining balance never up front they play tricks in there transactions
Product: Debt collection

COLLECTION CONSULTANTS OF CALI have reported a medical bill from XXXX Hospital on my credit report that does not belong to me. This is a bill that my wife had obtained prior to our marriage, and even prior to me knowing who she was. Collection Consultants of Cali have now reported it to XXXX and XXXX as a joint account. This is not a joint account. I never signed as a cosigner or have ever even step foot in that hospital.
Product: Debt collection

I am not liable for this debt and I do not have a contract with CAPIO plus they did not provide me with the original application like I asked. Also, this account was already deleted but they added it back on my report. This is an illegal because they didn't give me a 5 day notice. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. 

Account Name : CAPIO ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Debt collection

I have been facing ongoing issues with Toyota Financial Services regarding discrepancies in my credit report and their failure to provide essential documents relating to my account. Below are the specifics : Credit Report Discrepancies : I identified several inconsistencies on my credit reports from XXXX, XXXX, and XXXX. The discrepancies include : Lack of data for XXXX XXXX. 
Incorrect payment reporting sequence for XXXX XXXX XXXX 
Data gap for XXXX XXXX. 
Double repossession reporting for XXXX XXXX. 

Failure to Provide Requested Documentation : Toyota Financial Services has not provided me with the necessary documents related to my account and repossession, despite multiple requests. I have specifically asked for : Sale amount post-repossession. 
Information concerning insurance claims related to the repossession. 
Debt verification as per the Fair Debt Collection Practices Act and the Pennsylvania Fair Credit Extension Uniformity Act. 

In my pursuit for clarity and resolution, I have sent two formal letters to Toyota Financial Services detailing my concerns and requesting specific information. I will attach the Return Receipt PDFs for both letters in this complaint for your reference. In response, I've received letters from Toyota Financial Services that I perceive as " stall tactics. '' Their correspondence claims that I did not provide sufficient information for them to conduct an investigation, which is patently false as I meticulously detailed my concerns in both letters. 

Additionally, I've also attempted to resolve these issues over the phone but found them to be unhelpful, with no progress made. 

I believe Toyota Financial Services is deliberately stalling and avoiding their obligation to conduct a legitimate investigation into the matters I have raised. They are refusing to provide me with the essential documents that I am legally entitled to in order to verify the amount and the validity of the debt they allege against me. Their lack of transparency and responsiveness feels evasive, hindering my ability to address the inaccuracies and understand the alleged debt 's breakdown.
Product: Debt collection

ClearSpring Loan Services provided a mortgage payoff statement showing {$68000.00} was due in order to complete a refinance of the mortgage and pay off the existing loan. The payoff was provided on XXXX/XXXX/XXXX and was good through XXXX/XXXX/XXXX. The refinance closed on XXXX/XXXX/XXXX and the full amount XXXX {$68000.00} XXXX was sent to ClearSpring Loan Services. A few weeks later they began calling me saying i still owed $ XXXX. However, they will not provide details as to what that $ XXXX relates to. They wont provide a detailed statement, but instead are requesting payment in order to prevent my account going to collections and negatively impacting my credit score. I just called them again today in return to another one of their calls and they are still unable to say what the $ XXXX due relates to. I have a copy of the payoff statement they provided and proof those funds were provided to ClearSprings. At this point i dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the letter attached, I contacted the apartment manager and asked to schedule a time to meet and discuss the items listed on the Move-out Statement. I was never contacted by anyone either by telephone or email. The amount of the collection they are reporting is totally false. I am also disputing all charges outlined on the Move-out Statement, specifically the items that follow : missing garage remote ( the remote was left on the counter when I vacated the premises ) ; full apartment trash-out ( I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; one bedroom no attempt to clean ( again, I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; Worn Countertops needs resurfaced ( this was a result of NORMAL wear and tear I should not be charged for upgrading the unit ) ; Missing Refrigerator ( the refrigerator was in the unit when I vacated ) ; Missing washer/dryer ( the washer and dryer were rentals and returned they were not property of the apartment complex ). The collection being reported is completely bogus and needs to be removed from my credit report. This false reporting is seriously harming my credit score. I have contacted the bureaus to remove these line items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of numerous attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX. XXXXXXXX XXXX || Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX account XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 states I have the right to privacy.

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

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, BEST B XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX STELLANTIS FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ELAN XXXX XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXX JPMCB - CARD SERVICE XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX
Product: Checking or savings account

I have had and still have a savings account with Goldman Sachs Marcus for over 6 years and am XXXX XXXX XXXX and have lived at the same residence for 20 years.. I have requested them to transfer a sizable amount to an Insurance company for the purchase of an Annuity for myself and my wife at a specified guaranteed date related rate. All requested funds have been in my account for years or, in the case of recent funds, they have been directly transferred in by the US Treasury and have been posted by the bank. When I called the bank to confirm the transfer the bank said they had a " security, verification problem ''. I asked what it was and they say\id they could not tell me. I gave them EVERY piece of identification they had including ss numbers, phone numbers, password, special word id, etc, etc. they literally DO NOT have any other records of identification so there is no further way they COULD identify me. This same problem has occurred with other depositors in the last several months according to XXXX complaint reports. My funds are now locked in their bank with no recourse possible by me. This delay can cause me substantial hardship financially because I stand to loose the guaranteed rate offered on my annuity for over the next several decades. they first transferred the funds then recalled them the same day for no given reason. The funds were all previously cleared and posted as being " available '' by Goldman Sachs. I have screenshots of these transactions.
Product: Credit card or prepaid card

Amex sent me an email asking me to cut up my credit cards this morning. I pay an annual fee on the green card with the implied expectation that services then be provided for a full year. Unexpected termination of my account while I am trying to study for my XXXX XXXX finals at University is just plain annoying. I have no problem paying off the balance and have never missed a payment or made a late payment. 
Following reading the email I immediately opened the app and started a chat with a representative who directed me to a phone line. After being on hold for a significant amount of time the phone was answered by someone who spoke XXXX well but immediately told me he was going to connect me to another person. After more time on hold the phone was answered by a women with an extremely thick accent who was asking for my card number XXXX the one that I cut up per the email ). When I was unable to provide that she asked for my social security number. As I had received the number in the chat and been transferred I asked for an extension I could call her back at to verify her as a legitimate representative. She was unable to provide one so I terminated the call. I then proceeded to utilize the Amex chat in the app voicing my displeasure at the waste of time this whole ordeal was and asking for help. The representative refered me to use the chat on the online portal instead of the app as the office I needed to speak with was closed and " they might be more help XXXX online ]. '' I then typed up a paragraph explaining that I was unwilling to spend any more time on hold and that it was amexs responsibility to internally find the right person to talk to me and to have them call me if they wanted to have the remotest possiblity of future buisness with me. The representative gave different hours for when the office was open. As of writing I have not received a response so am concluding Amex dumped me as a customer on grounds all XXXX of the representatives I spoke with conveniently were unable to explain.