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

Request for Removal of Student Loan Accounts from Credit Report Dear Credit Reporting Agency, I am writing to formally request the removal of several student loan accounts from my credit reports maintained by your agency. This request is submitted under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ).

Details of the Request : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c : Requires that outdated adverse information be removed from consumer credit reports.

15 U.S. Code 1681b ( c ) : Provides consumers with the right to dispute inaccurate or outdated information.

Public Law 91-506, Title VI, Section 611, Subsection A-D : Mandates credit reporting agencies to investigate and correct inaccurate or incomplete information in a timely manner.

Servicemembers Civil Relief Act ( SCRA ) : As an active-duty service member, I am entitled to protections under the SCRA that include the accurate reporting of my financial obligations and benefits.

Issue : The student loan accounts in question are adversely affecting my credit score and financial standing. These accounts are either inaccurately reported, outdated, or should be removed under the provisions of the FCRA and SCRA.

Action Requested : I request the immediate removal of the specified student loan accounts from my credit reports. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Correspondence : This request follows previous attempts to correct these inaccuracies directly with the credit reporting agencies, which have not been resolved satisfactorily. 

Thank you for your prompt attention to this matter. Ensuring the accuracy of my credit report is crucial for maintaining my financial stability and compliance with my rights under the FCRA and SCRA.
Product: Debt collection

For about ten years, we have been getting harassing phone calls and letters from a string of scores of collection agencies purporting to represent " XXXX XXXX '', to collect on a Texas utility bill. One, we have never lived in Texas, and have lived at the same address in Florida for 28 years. The debt collectors never provide us with the address of the company or the identity of the person who did have the debt, if there ever was one. When we respond to their letters, we simply wait a few weeks, and we get another string of letters from a different collection agency. By the way, 28 years is way beyond the seven years statutory period. The latest agency to try this scam is Resurgent Capital Services, XXXX XXXX XXXX, XXXX, MI XXXX.
Product: Checking or savings account

Chase dispute department refunded my account XXXX dollars from a auto insurance company that took it out of my account then they reversed the refund saying that I authorize the transaction which I explained that the certainly auto insurance company only does insurance payments through your bank account only I open a policy in XXXX but the policy got cancelled bye someone that got into my account and the employee at the insurance company didn't ask the security question I provided so they cancelled my policy the only way to contact the company is through text messages or email only. They with not reinstate policy after telling them it was not me who cancelled they took XXXX dollars from my account which I sent them a email saying that I didn't not authorize no money to be withdrawn from my account and they don't have permission I contacted Chase Bank and told them and filed a claim which the refunded but then reversed it saying it was authorized try several times that yes it was authorized when I started my policy but I also sent a email to chase under the claim upload documents that said that certainly auto insurance company does not have authorization to take out any money. Chase reverse the claim for the second time after sending the email about not having permission I have try to talk to dispute department but they are not understanding or not listening I live on a fixed XXXX income and every bit of my money goes to pay bills now with the money they again took out I'm not going to be able to pay one of my bills they keep saying it was authorized but no the XXXX was not authorized only the down payment of XXXX in XX/XX/XXXX was authorized then my account got hacked and my policy got cancelled because the person on the text messages did not ask for the security question and just cancelled my policy when I went to open a new policy they charge me XXXX which included the XXXX dollars and the down payment I sent all the information to chase but they still keep saying I authorized it not listening that only the down payment on XX/XX/XXXX was authorized
Product: Credit card or prepaid card

On XX/XX/2021 I had my unemployment benefits finally uploaded and I have been waiting since XXXX for my unemployment to update ... Bills have been stacking up I simply paid my bills today and now I can't even access the rest of my money in my account because they say I exceeded the daily limit ... XXXX What can I do they say I have to wait 24hrs since the last attempt for withdraw ... Why is there a limit on MY MONEY ....?!
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my credit report are not mine. They are unauthorized and unverified
Product: Debt collection

Requested origin of debt and verify, nothing was done or provided by debt collector
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Immediate Action Under 15 U.S.C.

1681 Dear Sir/Madam, I am writing to formally dispute the inaccuracies and/or fraudulent information appearing on my credit report. Under 15 U.S.C. 1681, specifically the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information on my credit file is accurate, complete, and verifiable. The inaccurate entries on my credit report are a clear violation of my rights under this statute, and I demand immediate action to correct or remove these items. 

The following items are disputed : [ List disputed items ] - XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) These entries are either inaccurate, unverifiable, or incomplete, and I require that they be thoroughly investigated in compliance with 15 U.S.C 1681i. As per this law, you are required to complete a full investigation of these disputed items within 30 days and notify me of the results.

If the creditor or reporting party can not substantiate these entries, or if they fail to provide sufficient evidence of their accuracy, l expect the immediate removal of these items from my credit report. I am fully aware of my rights under 15 U.S.C. 1681i, and I will not hesitate to take further action if you fail to act within the required time frame. 

If this matter is not resolved promptly, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), and I will pursue all legal remedies available to me, including potential litigation for any harm caused by your failure to comply with the law. 

I expect your office to investigate the discrepancies, update my credit report accordingly, and provide me with written confirmation of the resolution within 30 days. Failure to do so will not be tolerated, and I will hold your agency fully accountable for any damages incurred as a result of your inaction. 

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

Today, I am writing this complaint to NORDSTROM/TD BANK USA regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

pentagon federal credit union charged off my loan and has not sent me a 1099-c since they took a write off. they instead sold the account to another company and reported it on my credit report which is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX 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 instructionsI
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX  to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Mortgage

Hi I am in arrears on my mortgage while i had a drastic reduction in income, since then i am working full time, my wife is working as a source of other income and ive obtained my brother in laws help as a renter to help us pay the mortgage. Ive been working with  XXXX  / Bayview loans  for what i believe 3 years on a modification. My math says we can afford to pay the new higher loan with the arrears. They keep stalling on an answer, meanwhile they got a judgement to forclose. Now we, my wife and children, are panicking and  Bayview  is not really giving me an answer here, so i do n't know what to do.   My loan number is  XXXX  with Bayview
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. 
Balance {$20000.00} Credit limit $ XXXX  Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last paymentXX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks
Product: Mortgage

Overcollection of funds to be applied to escrow ( tax and insurance ) account. Lack of communication regarding additional funds being taken from escrow account to pay bills not within guidelines. Lack of communication regarding denial o escrow fund waiver. Wrongly denial for escrow fund waiver. 
Just an overall horrible experience with the servicing-side of this organization as well as a severe lack of communication overall.
Product: Debt collection

This loan originated in 1987 and was originally with XXXX XXXX Bank. It was sold to another company and was PAID OFF AS AGREED. Actually, the loan was overpaid by XXXX payment which resulted in a refund of the last payment. I do not remember the name of the company that bought the loan, but they sold it to another company as a receivable loan, which was fraudulent. I have had several collection companies trying to collect this loan throughout the past 25 years and is fraudulent. Apparently each of the companies that bought the loan kept reselling it as a receivable.
Product: Vehicle loan or lease

On XX/XX/2022 approximately XXXX MST - I contacted Chase to let them know that their reasons for denying extending me credit was based on listing factors that are illegal and in clear violation of 15 USC 1605 and 15 USC 1662B because they participate in truth in lending act - they can not demand for cash payment in a consumer credit transaction, it is against the law to deny me credit because I did not put down cash down payment. Chase is also in violation of 15 USC 1691 because it is unlawful to deny me credit as this is an adverse action. Moreover, in the listing factors they used to deny me credit, Chase was in violation of 15 USC 1692 for unfair business practices and deceptive conduct and 15 USC 1611 for false and misleading listing factors they used to deny me credit in this consumer transaction.
Product: Credit reporting or other personal consumer reports

Third Request To Whom it May Concern : I am writing to let you know about an identity theft case that affected my credit report. Upon reviewing my credit report, I discovered fraudulent information that does not belong to me. This identity theft has caused significant harm to my financial credibility and has put me in a difficult situation. According to the Fair Credit Reporting Act ( FCRA ), I would like to ask you to block the fraudulent information from my credit report. Section 605B of the FCRA states that credit bureaus are required to block the reporting of fraudulent information resulting from identity theft upon receiving a proper request from the victim. I am also attaching a copy of the Identity Theft Report filed with the Federal Trade Commission as supporting documentation. Please investigate this matter promptly and block the fraudulent information from my credit report to prevent further damage to my credit history. Please provide me with a written confirmation once this has been completed. Thank you for your attention to this matter. I appreciate your quick help in resolving this issue. Please do not hesitate to contact me if you need any more information. Also, you are in violation of laws : 15 US Code 1666 ( b ) ; 15 US code 1637 ( a ) ; 15 US Code 1681 ( c ) 2 ; 15 US Code 1681 ( s ) 2. Please delete/block the accounts attached to my FTC report ASAP. 
Sincerely, XXXX
Product: Debt collection

After reviewing the credit report, IC Systems furnished an unfamiliar tradeline on the account. Made an attempt to resolve this matter, however ; no feedback.
Product: Debt collection

I called midland credit due to a debt owed that was paid off when marked delinquent from the original credit issuer. Midland credit refused to validate the debt with the original credit issuer and continued to threaten, Harass, and using intimidation tactics to pay debt not owed.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion 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 Account Number : XXXX Date of Late Payment : XXXX XXXX, 2024 Nature of Complaint : On XX/XX/year>, I submitted a dispute to Transunion disputing a late payment reported by 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 : 1. I made the payment as I was always making it without any problem and suddenly they report that I had a delay. They reported it to me in the three bureaus and in XXXX they verified and confirmed that it was an error and they eliminated that payment late. 
2. This account is so far up to date in payment, the entire debt was paid.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Transunion 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,
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear XXXX XXXX Customer Service, Thank you for your response dated XX/XX/year>, which included copies of statements for the account ending in XXXX  However, my original request was for a formal verification and validation of the debt under the Fair Credit Reporting Act ( FCRA ), specifically regarding my dispute of the reported debt. 
The FCRA entitles me to request, and you are required to provide, documentation to prove the validity of the debt, such as the original signed agreement or contract that verifies my obligation to pay this debt. I also request that you send me a detailed breakdown of how the balance was calculated, including any fees or interest applied. 
Please treat this as a formal dispute under the FCRA, and provide the requested documentation within 30 days of receiving this letter. If you can not provide such information, please instruct the relevant credit bureaus to remove the debt from my credit report. 
I look forward to your prompt response.
Product: Checking or savings account

Bank of America is urgently withholding {$30000.00} of our money without any reason or explanation. We made a {$7100.00} payment which we have a confirmation receipt of as well as a wire payment for {$10000.00} which landed in the recipient 's account but was pulled back after it cleared the recipients account for over a month, then we made another wire payment for {$11000.00} which was cancelled and never returned. All these payments are currently processing and have been showing as processing returns for 1-2 months but Bank of America has been unable to release these payments to us for an extensively long duration costing us to miss payroll as well as other fees due to a large amount of money being withheld for no explainable reason. In addition to this various check payments to our vendors have bounced for Insufficient Funds even though weve maintained available funds to have enough of a balance to over these payments due to us deferring payroll. Theyve ensured that we would be refunded for the NSF fees due to their negligence however we havent received any refunds for those fees. Lastly, there is an unauthorized credit card account that was opened which Bank of America cant explain or resolve.
Product: Money transfer, virtual currency, or money service

I sent a Venmo payment through Venmo to a two people I did not know for a service that concluded in me being scammed. 

The first payment was sent on XX/XX/2020 for {$50.00}. 

The second payment was sent on XX/XX/2020 for {$200.00}. 

I contact Venmo and made several attempts to get this resolved. They said they can not help me and that I needed to contact Law Enforcement.
Product: Credit card or prepaid card

Bank of America granted me a secured credit card in the past. After my credit did well the called me in 2019 and told me congrats your card has been upgraded. Bank of America then returned my security deposit leading me to believe its now unsecured. I was told to look at the website to see the perks bells and whistles. The website clearly states no annual fees. They are still charging me an annual fee. I have asked them why they said the don't know they should have sent me the " New Terms '' but they will now after charging me Annual fee 's for the last 2yrs. I then asked them to direct me to where its available online of this secured fee, and the secured card they showed me has no annual fee. They purposely withheld the fee from plain view after upgrading nor send new terms. Upgrading card is misleading because it really was not.