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

Please forward this request to XXXX XXXX as a demand letter ; I am requesting my original contract including the arbitration clause agreement. 

I am requesting all notices of charge off prior to account being placed on credit report. 

I am requesting date of first delinquency. 

I am requesting all payment records. 

I am requesting all email correspondences between XXXX and XXXX XXXX. 

I am requesting all office visits with XXXX and loan transactions and proposes. 

I am requesting the register agent name and address Finally, if XXXX fails to provide me this information, then I will suit them for the information based on deceptive trade practices, violating Federal Credit Reporting Act, Collusion third party interference stigma plus, and breach of contract terms. 

Please forward this demand letter to XXXX dated XXXX. The requested documents can be forwarded to my home address. If they fail to provide me with the requested information to support my claims against them ; then, I will sue them to obtain the dockets. 

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1100.00} XX/XX/year> INQUIRIES NOT RECOGNIZED XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Product: Mortgage

Issue : Unlawful charging of Interest Mortgage : BB & T {$140.00}. on XX/XX//2019 We called and were transferred 6 different time. Finally got a manager not he phone and was told now I needed to call into a local branch which was already done with no resolution.
Product: Credit card

They pulled my credit score without my consent said they closed my account which has always had 100 % payment on time and was at XXXX  because I have no real estate. That is discrimination and has nothing to do with my ability to pay my accounts. They didnt warn me at all.
Product: Credit reporting or other personal consumer reports

15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

CREDITORS BUREAU ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX Transunion has caused me damage by reporting an account from XXXX XXXX XXXX with inaccurate information. This is strictly for forbidden by the FCRA. The FCRA also states a credit reporting agency must delete any account with information that is inaccurate or they have reason to believe is inaccurate. Transunion claims this account was verified however they are reporting it as an open account when XXXX is reporting it as a closed collections account. How can Transunion have verified this account to be accurate when all credit reporting agencies should be reporting the same information 100 % accurately? I have proof in the included screen shot and will file a civil lawsuit against Transunion for {$1000.00} per FCRA violation in Federal court in the state which I reside.
Product: Vehicle loan or lease

Account has been charged off. Affidavit of fraud was sent to company and request for title. Company ignored request and has stolen the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} Collection : XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXX  : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$2500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX XXXX  : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX  : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX XXXX  : {$9200.00} XXXX  XXXX XXXX XXXX XXXX {$2800.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XXXX/EXP Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than XXXX which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.
Product: Mortgage

We have paid down our mortgage to below 78 % of the original value of the home, yet the mortgage company requires a new valuation on our home, that costs hundreds of dollars, in order to remove our PMI. It is my understanding that a home valuation is not required if our principal balance falls below 78 % of the original home valuation, which it has recently. The mortgage company told us it is not possible to remove the PMI at any principal balance without a home valuation that costs hundreds of dollars. The mortgage company quoted us $ XXXX {$800.00} for cost of the home valuation. We waited many months to have the PMI removed after the 80 % threshold because we did not want to have to pay for the valuation cost and were under the impression the PMI would automatically be cancelled when the loan balance fell below 78 % of the original home value. 

Our home was originally valued at {$160000.00} upon loan creation in XXXX. The original mortgage balance was {$150000.00}. Our current principal balance today ( XX/XX/XXXX ) is {$120000.00}. If the home was appraised ( of course with the rising housing market ), we would receive an appraisal well over what the home was originally valued for in XXXX. 

All we want is to be treated fairly. I do not feel like requiring a costly home valuation in today 's market, after having our mortgage for 8 years and paying down our LTV ratio to below 78 %, is fair to us. Please help us with this unfair and deceptive practice. If we had known the same requirements would be in place when we were at 80 % LTV to 78 % LTV we would have gone through this process many months ago. 

I have attached the company 's recent response to our request to remove PMI dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXXXXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXXXX XXXX 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordings What the fair credit reporting act XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account numberXXXX has violated my rights. 

XXXX department of education Account number XXXX Has late payment and I never missed a payment XXXXXXXX XXXX  Account XXXX. 
I tried to change my payment method with gain it took me three emails to let to get a response it charge me a late fee do to the fact they took almost a month to reposed 15 USC 1681 section 602 A states I have the roughy to privacy 15 USC 1681 section 604 A section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction
Product: Debt collection

The Professional Collections Bureau of Maryland took my {$740.00} tax return when I never received any written communication from them and I was unaware they had any involvement with my student loans because I just completed a loan rehabilitation program and have a letter stating that my loans had been removed from default status. Repeated phone calls to this company go unanswered and always go to voicemail
Product: Credit reporting, credit repair services, or other personal consumer reports

I called today at XXXX eastern US time and spoke to a customer service agent names XXXX. I explained I was a Victim of their Inquiry issue. I explained that I wanted All inquires up to the start of 2018 removed from my report as my faith in them is now shaken as a credit reporting agency. The inquiry glitch was them removing millions of peoples inquires and then violating the FCRA and re-adding them without notifying each person within five business days. He informed me that they were not willing to resolve the issue.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. 
Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. 
They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. 
: The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. 
: This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent out a valid request to have these fraudulent accounts removed from my credit report with TransUnion. TransUnion has not removed the accounts. I have sent them more then enough evidence or supporting documents for them to remove the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, My name is XXXX XXXX I wanted to report this company they are not reporting correctly to all 3 bureaus and are hurting my score. My act number is XXXX.
Product: Credit card or prepaid card

This was my second card with this company, I had my first credit card stolen from my mailbox as we have a lot of mail theft. XXXX refuses to send them priority mail or private mail. So I received my new card. Around the beginning of XXXX I noticed I couldnt find my card, I got my bill and noticed two extremely strange charges on my bill. I immediately called and told them my concerns. She was rude and I could barely understand her. She insinuated I wasnt telling the truth. 
The fraud department wasnt very helpful and ruled against me. Then sent me another card with telling me, which was stolen from my mailbox. I had no knowledge another card was even in circulation. Someone is now going around town spending my card on smoke shops and expensive gasoline. I am a severe asthmatic I would never go to a vape shop nor would I spend {$70.00} in a gas station. This credit card company is taking advantage of me as the consumer and continues to bounce me from department to department. I dont have a lot to money and they are expecting me to pay for it even though I havent used the card since mid XXXX to buy pizza. That was the lag time I had their credit card. 
Additionally, they said I made a payment of {$160.00} dollars in XXXX, I dont remember doing that and I looked back in my bank account. Theres absolutely no record of this payment. SoWHO HAS CONTROL OF MY ACCOUNT????
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX XXXX continues to report incorrect information, despite my prior attempts to rectify the situation. 

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file.

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed. 

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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.

Hippa Release was not provided by credit reporting agency nor debt collector.

Account status nor last activity date d
oes not match across all 3 credit reporting agencies. I have rights to 100 % accuracy.
Product: Debt collection

Dear Sir or Madam : PLEASE HAVE THE FOLLOWING ( 2 ) ACCOUNTS DELETED WITH THE INQUIRIES LISTED BELOW. I NOTICED THAT ( XXXX XXXX XXXX WAS REPORTED TO MY CREDIT AND THESE ARE HER ACCOUNTS ALSO. THE XXXX XXXX  WAS DELETE ASAP. PLEASE DELETE THE OTHER 2. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. 


Sincerely, [ XXXX XXXX ] Enclosures : [ List what you are enclosing ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ]
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I pay minimum promotional payments every month 6 month no interest if you pay minimum payments. If any other purchases are made you have to pay that payment. My minimum payment is {$30.00} I regularly pay more than that monthly. Example. {$30.00} {$30.00} {$50.00} {$50.00} etc. All payments after the minimum are supposed to satisfy any purchase made. I don't purchase much. Synchrony did not allocate my payments even though I overpaid monthly and allowed interest to accrue. I asked for the payments to be reapplied as they were misapplied and was told no. I asked for refund of overpayments and was told no.They let the balance roll over for month and charge interest. I called often to make sure payments went through. Synchrony did split a {$50.00} payment they took {$30.00} for the minimum payment and {$20.00} for the new purchased balance. There is no way to allocate funds when making a payment. All you can do is call. There is no receipt or way to tell how payments are being allocated. Customer service will tell you you owe {$69.00} bucks you make the payment and then accrue interest. Its a scam. I only owe {$30.00} minimum payment I paid {$200.00} some months when I didnt have to pay that much. They put the money towards the promotion and let any small purchases accrue interest. These are bad business practices. Several statements went by before interest was added to the account. I asked them to provide any of my conversations and how my payments were allocated and they refused to provide the information. I have zero balances on all my credit cards and a fairly high credit score. This should be stopped.