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

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I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an ongoing matter previously brought to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to receive negotiable instruments and refuses to process them. The previous case has been closed by CFPB and sent to another agency but this matter specifically involves EXPERIAN a credit reporting agency. I have provided proof that XXXX has received a negotiable instrument with XXXX XXXX as the drawee and they are reporting to EXPERIAN that they have not received anything. If they are refusing to acknowledge that they have received this last negotiable instrument under duress and/or coercion which the USPS shows is received on XX/XX/2020 it stands to reason that they have done this same act previously as I have called to the attention of CFPB. XXXX has not stated under full commercial liability that they have NOT RECEIVED the negotiable instruments but only that the account is delinquent. By law they must process the negotiable instruments and if there is a reason for them to be rejected they MUST send a notice of dishonor to either the drawer that is the author of this writing or the drawee that is XXXX XXXX XXXX, NA in this instance. XXXX 's behavior is now affecting other banks like XXXX XXXX XXXX, XXXX. and they must be stopped. The accompanying evidence is provided for your inspection. I demand that EXPERIAN remove the recently listed adjustment on the XXXX account on the debtor 's credit file as this is erroneous and/or false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried contacting Equifax over 4 times across multiple days to remove a credit report control lock from my credit report and each time, the representative was unsuccessful because of some " system glitch '' causing the system to not process the request. 

On Wednesday XX/XX/XXXX, I called Equifax to remove what I thought was a freeze on my credit report. Long story short, it turned out that it was actually a credit report control lock and took a few departments to figure out who I needed. Once I got to to the right department, the representative told me their system was having issues and to call back in 45 mins. After I called back after then, I was told their system was still having issues and to try again in 2-3 hrs. After calling back after then, the person was supposedly able to submit a request to remove the lock and said to call back in 2-4 hrs to confirm that it was removed. I called back after 2 hrs and the lock was still on and a representative said she 'd try to remove the lock again herself. She tried removing it, but apparently their system was still having issues and told me to try calling tomorrow after waiting for at least 10 mins for the system to process. 

On Friday XX/XX/XXXX, I went to apply for a loan and was denied the loan because a lock was still on my account. I called Equifax again that afternoon and another person tried to remove the lock, and yet again their system was having a glitch so much that after waiting on hold for 45 mins for the system, the person said to try calling again after a day. 

Equifax should be able to process a simple request to remove a lock on a credit report and system issues should n't run across multiple days. Also, I should n't have to continually waste time calling them to make new requests when they know I want to remove the lock ; they should put it in their queue to try again and call me back when it is complete.
Product: Debt collection

I contact Capital One Bank, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$1900.00}. This letter requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked for the complete account number and the amount of the debt. As well as, a detailed explanation and itemized statement of the charges and fees associated with the debt. 

In addition, a copy of the charge-off statment, a copy of 1099-c, and proof that the alleged debt is owed by me including any signed agreement or contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and contacted XXXX, Transunion and XXXX. It is their job to do a thorough investigation. They are also obligated by law to report correct information. I am concerned about the validity and accuracy of each Credit Company 's investigation of these accounts that are reporting on my credit report. I have asked them to provide an original contract regarding XXXX XXXX, XXXX XXXX, and XXXX. They did not provide which I am entitled to by law, proof of the original contract bearing my signature and a copy. Incorrect information is being reported when I reviews my 3 credit reports. They did not do a thorough investigation and did not provide a statement which I requested. XXXX is reporting a {$0.00} balance ( charge off XX/XX/2022 ), XXXX is reporting a {$700.00} balance ( charge off XX/XX/2022 ) and Transunion is reporting a {$700.00} balance ( charge off XX/XX/2022. This shows that their investigation was not conducted correctly and thoroughly. In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Transunion has violated my rights. 15 U.S.C 1681 Section 602A. I have a right to my privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also, according to 15 U.S.C. Section 1681i ( a ) if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They had 30 days to investigate. Wrong information is being reported and I want these accounts deleted off of my credit report immediately.
Product: Debt collection

A few days ago ( approx XX/XX/2023 ) I received a letter in the mail from XXXX XXXX XXXX, attempting to collect a debt of XXXX XXXX One letter was a wage garnishment, the other a bank garnishment. Couple days had past and I see they got the FULL payment of XXXX $ from my bank account. Another day goes by and I get my paystub and I see XXXX $ is taken out by them as well. So now I am down XXXX XXXX missed rent, And they will no longer respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I went to purchase a vehicle from XXXX. I lifted a freeze from my credit report in order to do so. XXXX XXXX XXXX was able to access my credit report but because of an extended fraud alert on my report they needed to verify that it was me who was indeed trying to get credit. Experian was unable to provide correct credentials to the bank so the bank stopped the process of the request. 

Experian website does not work as intended. It is a bundle of frustration. Does not allow login, would not allow getting a credit report, would not allow communication. In this time and age everything happens within seconds, Experian is forcing me to contact them via mailbox. There is no email, no chat, no live person on phone i can contact. I resent the fact that it is not of my own choosing but they affect my financial affairs and very incompetently at that. I wish I could just choose not to have anything to do with experian. 

My sentiments reflect that of millions. This is late stage capitalism at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account number : XXXX, US BKPT CT XXXX  XXXX XXXX Account number : XXXX has v

iolated 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.
Product: Mortgage

Hi, I have brought a new house no XX/XX/XXXX, the initial lender was Lennar Mortgage. Monthly payment as of signed documents is a total of XXXX ( XXXX interest and principal, XXXX property tax, XXXX hazard insurance, XXXX mortgage insurance. ) Lennar mortgage sold the mortgage to XXXX XXXX  on XX/XX/XXXX, and the mortgage payment changed to XXXX ( XXXX interest and principal, escrow impound XXXX ). XXXX XXXX mentioned they have this values based on XXXX of the other document ( not signed ) shared by Lennar mortage which calculates the property taxes wrong. 

I have reached out to Lennar mortgage since XX/XX/XXXX XXXX email multiple times, every time I get a response of they have escalated the fix to XXXX XXXX, but there is not progress so far.
Product: Credit reporting or other personal consumer reports

I didnt authorize the inquiry thats on my equifax report
Product: Credit card or prepaid card

I was charged {$75.00} by XXXX XXXX XXXX in XXXX IL for a credit/background check for an apartment lease. My application was denied even though I know I passed the credit check and background check. The law states that if I am denied an apartment lease due to background check I must be told why so that I can correct the problem. XXXX refused to tell me why. I have a suspicion that the denial was because I was using a housing voucher. I have hired an attorney. In any case, the {$75.00} should be refunded to me because my application was denied and the company refused to let me fix the problem. 
I explained all of this to Bank of America when I called to dispute the charge. I was sent a letter telling me to provide documentation. There is no documentation, everything was done by phone or via XXXX application link. Furthermore, there is no mechanism to provide a written statement to BofA electronically. They are insisting on a paper copy being sent to them in the mail. I have difficulty writing. I can type, but I don't have a printer. I am XXXX and it's a real hardship for me to get to a place where I can get something printed. BofA is not willing to provide a solution for me. I have never heard of anything so antiquated. They have told me that because I can not send them a paper copy of my complaint I will have to pay the {$75.00}. One of the reasons I use credit cards is for the consumer protections. I had a dispute with XXXX a few months ago. They handled everything over the telephone. This makes me thing that BofA does not want to settle any disputes. They make it very difficult for the consumer to file the complaint.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Violations of Privacy and Opt-Out Rights [ 15 U.S. Code 6802 ] : I am asserting that Synchrony Bank/Ashley Furniture failed to conspicuously disclose , in writing or electronically, the disclosure of nonpublic personal information to nonaffiliated third parties or credit reporting agencies. Furthermore, I was denied the due process and opportunity to opt out, a violation of Section 6802 of the U.S. Code. Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. - Obligations with respect to the disclosures of personal information. 15 USC 6802b - Opt out. A financial Institution may not disclose non-public personal information to a non-affiliated 3rd party, unless Under this law, the consumer must get 3 disclosures before that information can be exchanged, and the consumer must agree to it. Breakdown the unless portion- Disclosure A - Such financial institutions clearly and conspicuously disclose it to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this data that such information may be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure B - The consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure C - The consumer is given an explanation of how the consumer can exercise that non-disclosure option of how the consumer can exercise that non-disclosure option. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Synchrony Bank/Ashley Furniture is reporting on XXXX, XXXX and XXXX.
Product: Debt collection

I lived in some apartments XXXX years ago that were very disorganized and dishonest practices, as well as the electric company. For example in a XXXX sq ft apartment we would get a bill around {$400.00} just for normal electric use. Having to deal with them constantly and complain, we ended up just paying it. Left there around XXXX to a different city with a different electric company and have not dealt with them since. Just now in XX/XX/XXXX, a collection on my credit for {$500.00} appeared from collection agency " IC System '' from XXXX energy. I called IC system and they are unwilling to remove it from my collections and tell me to contact XXXX energy. When I call XXXX energy, they tell me they can't do anything other than deal with the collections agency. I also can't get any of my records from the apartment complex which has changed hands multiple times who are now " XXXX XXXX ''. I feel like my hands are tied at every direction I try to take. This charge that isn't even mine from an account that I used XXXX  years ago caused my credit score to go down XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting or other personal consumer reports

I did credit report with Experian and I found out that I had a mortgage out of my name.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB : I am filing a formal dispute regarding inaccurate information reported on my credit file concerning late payments for account # XXXX. Despite multiple attempts to resolve this issue ( letters sent on XX/XX/XXXX and XX/XX/XXXX ), no corrective action has been taken. 
The reported XXXX late payment for XX/XX/XXXX is inaccurate. I have verified with my records and provided supporting evidence showing payments were made on time, and yet this error persists. 
Details of the Account : Account Number : XXXX High Balance : {$420.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Credit XXXX XXXX {$3500.00} FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are obligated to ensure the accuracy of information. This has not been upheld. Additionally, 15 U.S. Code 1666b requires creditors to send statements at least XXXX days prior to the due date, which has been violated as evidenced by the late reporting. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The incorrect reporting of a late payment has harmed my creditworthiness and caused undue stress. 
Desired Resolution : Immediate removal of the inaccurate XXXX late payment notation for XX/XX/XXXX. 
Written confirmation of the correction within XXXX business days. 
Please consider this letter as formal notice under the FCRA and provide the requested corrections promptly. If this issue remains unresolved, I am prepared to escalate the matter, including filing additional complaints with relevant agencies and pursuing legal action. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt has been paid and a XXXX was issued to me as income. this account should be removed from my credit bureaus for the amount of {$31000.00} is still showing up on my credit report and should be removed per the fair credit reporting act. Since the XXXX was issued there should be no dollar amounts or income amounts showing in my reports on XXXX, XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I sent them a message from my XXXX XXXX XXXX account letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. 
closed my account and I'm now on a payment plan to pay off my balance. 
I haven't missed any payment. Before the pandemic I always made my payments on time as well. My account number is XXXX. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because XXXXXXXX XXXX XXXXXXXX derogatory information is affecting my credit score. 
Please call me if you have any questions XXXX. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX a letter was sent to all 3 major CRA 's ( XXXX, Equifax, XXXX ) putting them on notice that I have noticed many errors on my credit report. Due to the ignorance of these companies they are in violation of 15 USC 1681 ( a ) which states ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I would like these all the deragotry accounts either fixed or deleted/removed from the consumer report. If not looked into and fixed then escalation to the federal level might need to be visited upon further investigation. These rules are here to protect consumers from deceptive tactics such as these which can lead to life changing events and not for the good should I say ( stress, XXXX XXXX, embarrassment, homelessness, loss of jobs/careers, low self-esteem, divorce, XXXX  ) all of which can be prevented ( at least on your part ) if followed. I would like my conditions to be met which you have received in this complaint, deletions/removals, financial remedies and etc.
Product: Payday loan, title loan, personal loan, or advance loan

I request the contract that bears my signature