23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$73.00}, {$0.00}, {$0.00}, {$0.00}, {$660.00}, {$570.00}, {$1700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

3. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$570.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.
Product: Mortgage

On or about XX/XX/XXXX, we requested a continuance on our forebearance mortgage with PNC Bank, as entitled by the provisions of the CARES Act.

We submitted financial statements, assets, monthly living expenses, tax liabilities, profits and losses and other financial information. Every possible data was provided without any hesitation. However, once we submitted all the data, they closed the request stating they needed a profit/loss from my current employer. Why would I garner losses on my W2? It makes no sense. In fact, all these information were part of the submission.

In accordance with the CARES Act when a borrow request a forebearance should be granted without questions and delays. In this case, we went through stressful and difficult times trying to state our urgency to have an extension of the forebearance.

We don't want to renege on our financial obligations. We simply want an assistance to help us while we structure our finances. Our goal is to be solvent in the 1st quarter of XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX Report : XXXX XXXXXXXX $ XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXX $ XXXX Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX Report : XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian Report : XXXX XXXX XXXX $ XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report. 
XXXX XXXX XXXXXXXX Balance {$470000.00} XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX Balance {$860.00} XXXX XXXXXXXX Balance {$510.00} XXXX XXXXXXXX Balance {$250.00} XXXX XXXXXXXX XXXX Balance {$470.00} XXXX XXXX Balance {$330.00} XXXX XXXX XXXX Balance {$680.00} XXXX XXXX Balance {$150.00} XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}
Product: Mortgage

Good Mor ning- I made my payment to Bank of America and found out last week that Bank of America cancelled my payment because my mortgage had been sold to another loan servicer. I had not been notified of this  and now have no idea where to send my mortgage payment. I received a letter from Bank of America dated  XXXX / XXXX / 2017 . I had been off work on medical leave and did get  behind three months. Bank of America received all documents including but not limited to medical records, FMLA,   pay stubs etc. I have no idea where the process is currently with the past due payments, HOWEVER I began making payments again in  XXXX  and they have been accepted by Bank of America. I have no idea what to do or who to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was extremely disappointed this morning when I checked my credit report and I saw that I have a bankruptcy showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. I need these accounts removed
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX of XXXX, my home and I were the victim of Hurricane Irma. My family was displaced for 7 months and 5 days, not returning home until XXXX of XXXX. Under the federal government rule, SunTrust Mortgage was required to afford me a forbearance, due to the natural disaster. They honored this requirement. Once it became time to start making the payments again, I did so. Each time I mailed the mortgage payment, it was mailed back to me in the form of a SunTrust Mortgage check. I kept those checks thinking it was a glitch and would work itself out. In the meantime, I received paperwork that was a loan modification, for which I did not request. It was not made clear to me that I would need to modify my mortgage based on a natural disaster and therefore, the paperwork was set aside until I could understand it and reach out to ask questions. In the meantime, SunTrust Mortgage began foreclosure proceedings- for no apparent reason. Upon receiving notification of this, I immediately inquired what in the world was going on. I had never even been late on a payment. I was told the loan modification was to have been signed and that I had missed the deadline. I explained to them my dismay and their lack of communication regarding something so important, and I begged to be able to sign and send it back immediately, they refused. I brought to their attention the payments that I had made and that had been returned to me, they didn't want to hear it. Ultimately, they demanded that I pay {$50000.00}, in a very unreasonable amount of time, or lose my home. This set off another catastrophic series of events as the only way I could get my hands on that money was to take it out of my XXXX. XXXX. They adversely impacted my XXXX account balance. XXXX. They adversely affected my retirement timeline. XXXX. They adversely impacted my tax liability to the extreme. XXXX. You can imagine the mental anguish, as this entire process unfolded. 
As a part of the negotiation I requested that this not adversely impact my credit report as well, and they assured me that it wouldn't. I paid the {$50000.00} on time, immediately reinstating what I THOUGHT was my good payment history with SunTrust Mortgage. The relationship will NEVER be repaired. 
At XXXX of the most difficult times in my life, I believe SunTrust Mortgage took advantage of me and tried to steal my home. My home is worth substantially more than I owe and I believe this was an unethical play to take it from me. 
I hope the Consumer Financial Protection Bureau will protect me and my hard earned credit and require SunTrust Mortgage to remove this blemish from my credit report immediately. 
I believe they deserve their own consequences, but I'll leave that to the experts to decide.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I am asking that they be deleted from my credit report. Based on 15 U.S. Code 1681 c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in identity theft, no later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. 

These accounts should not be furnished on my consumer report as they are in violation. Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( A ). In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the listed accounts IMMEDIATELY. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed a copy of the FTCs Identity Theft Affidavit. Please delete these items as soon as possible. 


Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXXUS BKPT CT NJ XXXX Date Reported : XX/XX/XXXX. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XX/XX/year> Consumer Financial Protection Bureau Office of Consumer Complaints XXXX XXXX XXXX XXXX  XXXX DC XXXXXXXX XXXXSubject : Urgent Formal Complaint Against Experian Information Solutions IncXXXX To Whom It May Concern, I am compelled to submit an urgent formal complaint against Experian Information Solutions Inc. due to their blatant failure to accurately report my credit information and their grossly inadequate handling of my disputes. Given the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), it is painfully clear that Experian continues to violate consumer rights and the Fair Credit Reporting Act ( FCRA ) with impunity.

Despite providing comprehensive documentation proving that my rent is paid and current, Experian has stubbornly refused to correct my credit report, which erroneously shows my account as " closed. '' This distortion is not just a minor inconvenience ; it has severely damaged my creditworthiness, jeopardizing my access to credit, employment, and housing. 

Moreover, I am appalled to report that my XXXX XXXX XXXX account, which has been paid in full, closed, and never late, has been deleted from my credit report. This reckless action has further shortened my credit history and is indicative of Experian 's ongoing negligence. Attached is a letter from XXXX XXXX confirming that Experian is responsible for this erroneous reporting. The CFPB 's lawsuit highlights serious concerns about Experian 's failure to " reasonably reinvestigate '' consumer disputes and their pattern of conducting superficial investigations. My experience aligns precisely with these claims, as my attempts to provide evidence have been met with dismissive, unhelpful responses. Their lack of transparency and refusal to forward relevant information to furnishers is unacceptable and must be addressed. 

I demand that the CFPB take immediate and decisive action against Experian to hold them accountable for their blatant disregard for consumer protections. It is imperative that they are compelled to comply with the FCRA and overhaul their dispute resolution processes to prevent further harm to consumers like myself. 

Thank you for your urgent attention to this matter. I expect a prompt response regarding the actions that will be taken to address my complaint against Experian and to ensure they are held accountable for their egregious practices. 

Sincerely, CFPB EXPERIANS NOT REPORTING ACCURATE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX   XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and TU via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report from LexisNexis and found inaccurate information listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as LexisNexis. Public Records cant be validated due to the FCRA Privacy Laws. If LexisNexis cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy if the Bankruptcy Court and other agencies dont verify Bankruptcies? My LexisNexis report is frozen as well so how is XXXX, XXXX, and XXXX verifying this debt as accurate? None of the information even reported by LexisNexis is accurate. This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has listed an inaccurate item on my credit file and I have requested on numerous occasions to have the item removed as soon as possible, yet it is still being reported inaccurately. Equifax sends a response stating that they have verified the account belongs to me and continues to report the inaccurate item. This inaccurate item ( listed below ) is affecting my credit score and livelihood. Both XXXX  and XXXX have deleted the same erroneous account from my credit file. 

Here is the erroneous account Equifax has listed. Please delete this immediately. 

1. XXXX XXXXXXXX XXXX, XXXX.
Product: Credit card or prepaid card

While getting car insurance with State Farm, the insurance agent suggested a credit card and life insurance for my son. It was to lower our car insurance and put the down payment on the card. Well, the card never came but it was approved, and ALL of the insurance payments were being applied to the card. I called my agent, he directed me to call State Farm Bank. They could n't do anything without an account number. But I could n't let my insurance drop so I paid the car insurance through XXXX XXXX XXXX and not through the State Farm Bank credit card. But they still are changing me for the car insurance. I spoke to my insurance agent and explained what was happening. He called State Farm Bank and put us on a 3 way call. The bank rep had nothing more to say other than to pay my credit card bill on full along with the late charges or it was all going onto my son 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONE MAIN FINANCIAL has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company. ONE MAIN FINANCIAL has single handily kept me from getting into a new home! Please help
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immed ately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : Self/LEAD BANK ACCOUNT # XXXX Reported as late on XX/XX/2021. 

I am demanding that this account be updated to Paid as Agreed and Never Late.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an issue I have been facing regarding my credit reports. I have noticed that there are several inaccurate accounts listed on my XXXX, XXXX, and Experian credit reports. 

I have tried to dispute these inaccurate accounts directly with the credit bureaus, but they have not been removed. These inaccuracies are negatively impacting my credit score and making it difficult for me to obtain credit when I need it. 

I am requesting that the Consumer Financial Protection Bureau take action to ensure that these inaccurate accounts are removed from my credit reports with XXXX, XXXX, and Experian. I have attached copies of my credit reports to this letter to help with the investigation. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to investigate and remove inaccurate information from credit reports. However, in my case, the credit bureaus have not taken any action to correct the errors on my credit reports. 

I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter and ensure that my credit reports are accurate and up-to-date. Thank you for your attention to this matter.
Product: Student loan

I reached out to Nelnet regarding the inaccurante reporting that my student loan was 90 days past due XX/XX/XXXX and XX/XX/XXXX. I was on a forbearance plan and was not delinquent. I was advised that when the paperwork was submitted to XXXX that it would apply to Nelnet as well. I submitted the paperwork to XXXX and was still reported as 90 days in XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 26 days late. 

My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023XXXX XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 23 days past due. 

The company bills for late fees but when paid they do not allocate the additional funds to cover for late fees. This is an unfair practice. 

This erroneous information is hurting my credit profile.