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

bject : Request for Removal of All Items Due to CFPB Lawsuit and Data Breach To Whom It May Concern, I am writing to formally request the removal of all negative and inaccurate items from my Experian credit report due to the ongoing lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) and Experians recent data breaches. Given the serious allegations regarding improper credit reporting practices and the exposure of consumers personal data, I believe my credit file has been compromised and may contain erroneous or unverifiable information.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any item on my credit report that can not be verified as accurate and lawfully reported. In light of the CFPB lawsuit and data breach, I demand that Experian : 1. Immediately remove all negative and disputed accounts that may have been affected by inaccurate reporting or unauthorized data exposure.

2. Conduct a thorough reinvestigation of my credit report to ensure that all listed accounts are fully compliant with federal regulations. 
3. Provide written confirmation of the actions taken regarding this request within 30 days of receipt of this letter.

Failure to comply with my request may result in further action, including filing a complaint with the CFPB and pursuing legal remedies. I expect Experian to uphold its obligations under the FCRA and ensure my credit profile is free from errors caused by negligence or data mishandling.

Please consider this letter as my formal dispute and removal request. I have enclosed a copy of my identification ( such as a drivers license or utility bill ) to verify my identity. I appreciate your prompt attention to this matter and look forward to your confirmation of REMOVAL
Product: Mortgage

I requested a forbearance thru my current mortgage company XXXX  mortgage. After the 4 month into the forbearance i received a letter they sold the loan. I just received from the new mortgage company Shellpoint Mortgage a demand for payment to avoid foreclosure. I have repeatedly tried to contact them and they say there is not record of my request for forbearance and i owe them the full amt of " late payments ''. This was authorized by the government for Covid relief. I have left messages for my " direct contact person ''. They do not return my calls. I need to start my payments again in XXXX but I have no direction as to how to do this. I have letters proving I was approved for a forbearance, now i have no one to contact to resolve this matter.
Product: Credit card or prepaid card

I noticed fraudulent charges on this card over the weekend of XX/XX/XXXX and XXXX. I live in XXXX, Georgia, and these charges are from XXXX, TX. I have attempted multiple times to contact the company on the weekend and today. The holds have lasted up to 3 hours and I have still not been able to get through to the company. THEY DO NOT ANSWER THE PHONE. there is no way to freeze the card on their website ; there is no option to email them. I do not believe that they have any customer service people or care about the service my state pays them to provide. This card is used by the Georgia Department of Labor. This is outrageous. There are over {$200.00} worth of charges out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I have given XXXX a police report because I was a victim of Identity theft. I noticed a high volume of inquiries and asked them to investigate. They told me it would be 30 days, it has been more than 30 days. They have no given me proof or responded. This is against Fair Credit Reporting Act and my rights. I ask that the inquiries below be removed. 

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

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} ; XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Product: Consumer Loan

I paid my auto loan on the website and received an email to my personal account with an alert stating that it was suspicious. I will like to know if a third party is receiving my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 168i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Experian and XXXX. 

The date open is not correct, date active not correct, date of delinquent is different in both. 

Which is a violation. This is impacting me from buying a vehicle to get around. I need to commute to and from work. I also let Experian know the company attempting to collect the debt is not license to collect debts in the state of CA. 

I attach my previous credit report and my new credit report to show how Experian and XXXX violated my rights.
Product: Checking or savings account

Revolut blocked my account right after I deposited XXXX dollars into it and is refusing to unblock it until I send them screenshots of my XXXX XXXX with a number for a card that I do not have. I tried to explain to them that I do not have this card ending in those 4 digits but they are saying that they can not release the hold on my account until I provide them with photos. They are asking me to provide them with something I do not have, and am therefore at a stalemate with them. XXXX XXXX changes the card numbers whenever you link and unlink a card. There is no way to give them the information they request. Please intervene on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX. The payments are automatic and current, as per my credit card statement. The company XXXX XXXX XXXX has reported that I have not made any payments toward the account in question resulting in a negative effect on my credit report. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been affected by erroneous credit data, and I am once again requesting the removal of the items from my credit file resulting from mistaken credit reporting. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any such items no later than 4 business days after XX/XX/XXXX. I have already included this report in my previous correspondence and am including it again. Additionally, the information you provided on these items is UNKNOWN to me and has been REMOVED from other bureaus, leading me to question their accuracy : 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 -- TRANSUNION : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This complaint serves to notify you that if the listed items are not REMOVED from my report, I will proceed with filing a lawsuit. My attorney has been informed of my intentions and is prepared to hold you accountable for your willful noncompliance. This is your FINAL WARNING. Please REMOVE the ITEMS resulting from mistaken credit reporting. Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : ( XXXX ) # XXXX, Account name : ( XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ) # XXXX, Account name : ( XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) # XXXX, Account name : ( XXXX XXXX XXXX XXXX ) # XXXX, Account name : ( XXXX XXXX XXXX XXXXXXXX, Account name : ( TXXXX XXXX XXXX XXXXXXXX, Account name : ( XXXX ) # XXXX has violated my rights XXXX 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now wirtten Transunion 2 times about items on my report that are not right. The first time being back in the beginning of XXXX. I have not gotten a response to my requests and it has been well over 30 days. This has stressed me out I " trying to buy a car and did what I was supposed to do.
Product: Credit reporting or other personal consumer reports

I have 13 hard inquiries on my XXXX and 29 hard inquiries on my TransUnion that I did not authorize and according to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the inaccurate personal information that has been reported by Experian, XXXX, and XXXX on my credit files. Despite multiple attempts to rectify the situation by contacting these credit bureaus directly, they have failed to remove old and outdated information from my credit reports. 

The primary concern I wish to address is the various versions of my address that are being reported. This misinformation is not only highly embarrassing but also potentially damaging to my reputation. I have enclosed copies of my current Driver License, W-2 with social, Notarized letter, and Pay stub as proof of my identity and the correct information regarding my address [ 5 ]. 

In my previous communications with the credit bureaus, I have clearly stated that the provided versions of my address are incorrect and have provided them with the correct and legal versions of my personal information. Despite these efforts, they have failed to take the necessary actions to remove the outdated and inaccurate data from my credit files. 

Furthermore, I am concerned about the potential impact of this inaccurate information on my future employment prospects and creditworthiness. The credit reports make it appear as though I have been living at multiple addresses simultaneously, which is entirely untrue [ 5 ]. This misinformation could harm my chances of securing employment or obtaining credit in the future. 

According to the Fair Credit Reporting Act ( FCRA ) and the guidelines provided by the CFPB, it is the responsibility of the credit bureaus to ensure the accuracy and integrity of the information they report [ 6 ]. They are obligated to promptly investigate and correct any inaccuracies or incomplete information upon notification from the consumer. 

I kindly request that the CFPB intervene in this matter and ensure that Experian, XXXX, and XXXX take immediate action to remove the outdated and inaccurate information from my credit files. Additionally, I seek your assistance in enforcing the guidelines outlined by the FCRA to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit reports.
Product: Vehicle loan or lease

The payment started before they were suppose to they added charges and didnt add the correct amount I paid after the first repossession payment
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a letter was sent to the credit bureaus to correct the derogatory reporting for XX/XX/XXXX. All of the charges on my card were fraudulent and XXXX has refunded me the money & refunded the late payment fee. The credit bureaus are still marking me as late XXXX  days in XXXXXXXX XXXX XXXXXXXX, even after I was assured multiple times this would be fixed and I should not be marked late because of the Fraud. This incorrect reporting has prevented me from buying a house and a car. 

I have attached the credit report still showing XXXX  days late in XXXX XXXX XXXX. I have also attached a statement showing that the entire balance was refunded to be as fraudulent charges, the late fee refunded, but still no correction to the credit bureau reporting.
Product: Credit card

I am a Chase Sapphire XX/XX/XXXX holder. 

On XX/XX/year>, another driver crashed into my car while it was parked. XXXX XXXX agreed to provide a rental car through XXXX while my car was in the shop. I picked the rental car up on XX/XX/year> ( see rental agreement ) and returned it on XX/XX/year> ( see final rental agreement ). On XX/XX/year>, I provided my Chase Sapphire XXXX card to XXXX staff to authorize the required deposit ( see rental agreement ). I declined XXXX coverage and confirmed with staff that I would be using my Chase card benefits to provide rental coverage. 

I dinged the rental car while parking. I submitted a claim to Chase on XX/XX/year>. On XX/XX/year>, XXXX issued an invoice of {$860.00} ( see billing letter ), and I updated my pending claim with that information. I repeatedly provided more info to supplement my claim. On XX/XX/year> Chase denied my claim, stating : " Our records indicate that the rental was not placed on the covered card. As a result, the claim that was opened with our office will be closed. '' XX/XX/XXXX paid for the initial rental because its insured was responsible for damaging my car. I used my Chase card for everything that was in my power -- the deposit that was required before I could pick up the rental. I reasonably thought that this triggered my card benefits to provide auto insurance, and relied on this understanding in denying the rental company 's coverage. It would be misleading and unfair to lock me out of rental insurance coverage in this instance, especially because there was no way that I could have put the initial rental amount on my Chase card. If Chase is allowed to deny coverage in this instance, I'll be left in limbo, having denied the rental company 's coverage in reasonable reliance on my Chase covering the rental. Please help! Happy to provide more info as needed.
Product: Debt collection

All three Credit bureaus have continuously allowed MIDLAND CREDIT MANAGEMENT to report a negative collection account on my personal credit reports. Midland Credit Management has called me and harassed me over this for several years. They have refused to cease and desist with this process. 

The credit bureaus have constantly ignored all of my disputes and requests to block and or remove this in accurate information on my reports.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX for knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX XXXX has illegally reported a charge-off on my credit report twicefirst in XX/XX/XXXX and again in XX/XX/XXXX. A creditor can only charge off a debt once, and reporting multiple charge-offs for the same account is a clear violation of federal law. 

FCRA Violations Committed by XXXX XXXX : 1. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Credit furnishers must report accurate information. XXXX XXXX duplicate charge-off reporting is patently false and misleading. 
2. Violation of 15 U.S.C. 1681s-2 ( b ) : XXXX XXXX has failed to correct this inaccurate reporting, which has caused direct harm to my credit profile.

3. Violation of 15 U.S.C. 1681n & 1681o : This misreporting has negatively affected my creditworthiness, impacting my ability to secure credit, housing, and financial stability.
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX XXXX Reported Balance ( as of XX/XX/XXXX ) : {$17000.00} Highest Balance : {$41000.00} Account Opened Date : XX/XX/XXXX Loan Term : XXXX  months ( XXXX  years ) Payment History Reported as : Only 7 % of payments on time Creditor : Bank of America Reported Balance ( as of XX/XX/XXXX ) : {$16000.00} Highest Balance : {$34000.00} Account Opened Date : XX/XX/XXXX Loan Term : XXXX  months ( XXXX years ) Payment History Reported as : Only 2 % of payments on time A police report has been filed multiple times regarding this accounts. However, the company continues to claim that they can not provide any proof or documentation. Instead, they repeatedly state that the accounts is accurate.
Product: Debt collection

In XX/XX/2018, I called a debt collection agency that I received a piece of mail from. The company is XXXX XXXX XXXX. I live in a documented disaster area, and after hurricane harvey hit, we had a different mail man and we were receiving other people 's mail, and some of our mail wasn't being delivered. I never got a previous letter from this debt collector so once I received their letter in XX/XX/XXXX, I called and talked with a lady and told her that I never recieved any previous correspondence and I gave her an offer to pay a portion of this debt they said I owed. The lady put me on hold and came back very rude, telling me that I DID receive their letters and giving me dates that I received them and yelling at me. I never got a letter to dispute and it's unfair to not settle with someone in a disaster relief area seeing as we were out of work, etc during that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the XXXX my Mortage Company XXXX discharge my Mortage other lenders been picking this loan up but without the accurate loan amount I need this loan validated with the previous company Selene Financial just picked the loan up in year XXXX of XXXX they are reporting wrong credit history information as well the amount of the loan.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CREDIT REPORT I NOTICE ACCOUNTS THAT WERENT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to delete any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX