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

Dispute of Late Payment Reporting Dear Sir/Madam, I am writing to formally dispute the late payment ( s ) reported on my credit report associated with my account, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the fair credit XXXX XXXX, Transunion and XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

3. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit card420 account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b.

The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ).

I request that you conduct a thorough investigation of the reported late payment ( s ). If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law.

Please provide documentation verifying the accuracy of the late payment ( s ), including but not limited to : 1. Proof of the payment due date and the date payment was received.

2. An explanation of how the payment was deemed late, in light of the statutory requirements.

3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b.

Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies.

Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Charge-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charge-off account from my credit report. As outlined by the IRS, a charge-off is considered a certificate of indebtedness, which means it is treated as income and must be removed from consumer reports. The reporting of charge-off accounts is prohibited, as income is not to be included on a consumer report under the Fair Credit Reporting Act ( FCRA ). 
According to the IRS guidelines, charge-offs are considered income, and it is clear that the reporting of this account violates the provisions of the FCRA. Given that income is not to be reported on consumer credit reports, I respectfully request that this charge-off account be removed from my report. 
I kindly ask for your prompt attention to this matter and the removal of this inaccurate information from my credit file. 
Thank you for your cooperation. I look forward to your timely response and confirmation that this charge-off account has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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: Checking or savings account

I am a custimer of Citizens bank. 
I attempted to make a bank deposit via an ATM at the citizens bank branch where i reside and before the money was deposited, i pushed a return cash button because i realised i need extra cash with me. The machine did not return my money and didn't credit my account. 
I filed a complaint immediately and although the manager promised i will receive my fund within 24hours before the money would be returned, I did not get any money. 
About 9 days later, the original amount was credited to my account and all seem well. 
I was surprised today when i made a deposit to my account and found my balance negative after the deposit. I called the customer care and the lady told me the bank withdrew the money they had earlier deposited after concluding their investigation. 
So the bank took my {$70.00} in my balance.
Product: Checking or savings account

Hello I have filed a complain before. Been contacting XXXX XXXX XXXX  for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to Covid returned after 3 months. Called XXXX XXXX XXXX  and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on Chex systems .I requested the report and in it XXXX XXXX XXXX has put a remark that this account was charged off and due to fraudulent activity it was closed. Called XXXX XXXX XXXXXXXX over XXXX times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from XXXX XXXX XXXXXXXX. The collections team says your balance is XXXX but the fraud team has to remove the report from Chex system. Again the fraud team simply says no and you have to wait for 5 years for it to be automatically removed. ( What are they thinking ) I am professional who works in the medical device industry and my salary is in the mid XXXX XXXX  why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from Chex system or anywhere else you are reporting this inaccurate information LETTER ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( 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 third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date XX/XX/22, I had a credit score inquiry without being done to me by XXXX/PAYPAL
Product: Mortgage

NewRez and Shellpoint are still fraudulently trying to steal my home. Attached is evidence of continued harassment and failure to cease and desist illegal practices. I've already supplied you with documentation showing the practice throughout the country. 

The attached documents are from a company I have no knowledge of and the foreclosure costs listed are manufactured.
Product: Credit reporting or other personal consumer reports

I am addressing this complaint to you, as I want to make sure that these fraudulent inquiries be removed immediately. I need the XXXX and Equifax Credit Bureaus to remove the fraudulent inquiries from my credit reports within 15 within days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Old account that continues to appear on credit reports account is closed more than XXXX years ago
Product: Credit reporting or other personal consumer reports

i received a response from the credit bureaus saying that the next items will be deleted but they still show on my report.

this items are effecting me in applying for new credit. please delete them as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company lied on the application after the paper app that I filled out had my proper address thats been on my Florida license since 2013 and have personal proof that I have to live there this whole time. I have a XXXX XXXX XXXX and a XXXX veteran, Conns changed my address without my permission, to my ex girlfriend house so she could have a refrigerator that she was paying for with her card, because I never once swiped my card because I found out the card used has to be one that the refrigerator is going for automatic payment for zip code XXXX Ive never lived at that zip code, my zip code is XXXX and they reported I lived there on my credit report at XXXX with the address, that how I know they changed it and now I have having problems because they are reporting the address and bad credit that is hurting my credit when I already live on a fixed income and now they have. I tried to have a resolution and call the woman that has the refrigerator that was paying for it and called conns to have them pick up the thing because they were harassing me calling up to XXXX times a day. When I called conns to pick up the refrigerator they said they couldnt is what I was told I could bring it in, how? If it a secured loan by the refrigerator than why wouldnt you go pick it up? Scammed by the store and XXXX they just wanted the sell and she wanted the refrigerator. The address on the agreement is not the address I gave them and they allow her to pay with her card and set up payment automatic draft. My credit is ruined and they have made it where I can attain the services that are required because my credit. Conns I guess their name should of told me! Im totally disappointed
Product: Checking or savings account

An account was opened without my consent. Information about the account opening was not provided to me when I called. My credit is frozen and I have no idea how an account could be opened without removing the credit freezes.
Product: Debt collection

I disputed this alleged medical collection debt # XXXX on XX/XX/XXXX Holloway Credit Solutions Responded to me yet they did not send enough proof to verify this debt ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) informed consent for medical treatment and ( b ) financial responsibility agreement, signed by The alleged original creditor XXXX XXXX XXXX XXXX and XXXX XXXX , ( 2 ) a copy of all actual bills sent from The Alleged original creditor XXXX XXXX XXXX XXXX to XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX to the alleged listed original creditor XXXX XXXX XXXX XXXX, ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved and ( 6 ) Proof that this debt was an alleged the account described by Title 15 section 1693A ( 2 ) demand deposit, savings deposit, or other asset accounts.

This alleged Debt Collection Agency sent me a medical bill and that is all. I Need this debt deleted until the requested documentation is received by me
Product: Vehicle loan or lease

Today is the XXXX XXXX of XXXX I am sitting in my vehicle as we speak it is XXXX XXXX. My car is on a tow hook and they are stealing my vehicle causing commotion outside harassment. 
XXXX has been harassing me and now stealing the vehicle which is against the law which Ive stating in previous complaints. US BANK XXXX XXXX AND XXXX  ARE VIOLATING THE LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX XXXX BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Product: Credit reporting or other personal consumer reports

There are many inquires that I did not authorize at all. My information was used fraudulently to apply for credit. Please assist to remove these fraudulent inquiries from my credit report. 

Fraudulent inquiries as follows : XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am preemptively filing to avoid all of the things described by the people here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not want to end up paying on this loan only to later discover that none of the payments show on the account or that I still owe more than stated 5 years down the line. 

I would like to know how to proceed with rolling back this loan or refinance through a reputable lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft and I have been trying to get " Transunion '' to remove this fraudulent account from my report after sending in ; police report, FTC report and proper ID to get them to remove the fraudulent account. After months of trying to get TransUnion to block the account, the account still is reporting on my credit. 


Account still reporting : " XXXX '' ( I DID NOT OPEN THIS ACCOUNT, IT 'S FRAUD!!! PLEASE REMOVE!! )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX used a bait and switch to lure customers. XXXX promised to pay all early termination and other fees for switching from other carriers to XXXX. However, XXXX failed to provide {$390.00} in promised fees as well as hundreds of dollars in service fees which it promised to refund due to repeated service failures and never delivered. XXXX also failed to refund purchase fees for returned equipment. As a result, XXXX was immediately canceled and service was switched back to XXXX where new telephones had to be purchased.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute an unauthorized account listed on my credit report. This account, XXXX XXXX ( Account Number  : XXXX ), appears without my consent, and I believe that my personal information has been improperly disclosed to a third party. This unauthorized disclosure of my information is a violation of my rights under the Gramm-Leach-Bliley Act, specifically 15 U.S.C. 6801 and 15 U.S.C. 6802, which require financial institutions to protect customers personal information and restrict unauthorized disclosures to third parties. 

Given that I did not consent to this accounts inclusion on my credit report, I am formally requesting its immediate removal. Please be advised that if my request is not fulfilled within 30 to 45 days, I intend to pursue litigation to seek damages of up to {$1000.00} for each instance of unauthorized disclosure, as permitted by federal law. 

Thank you for your immediate attention to this serious issue.
Product: Student loan

I have by given the run around concerning my loan and loan for over 25 years. I had two different loans with Sally Mae that were combined and taken over by Navient. On my last phone conversation with Navient, I was told that Mr .??? would call me back by Thursday, XX/XX/2019 to explain why I have two different payment books. One that is {$100.00}. more monthly. The problem occurred when people from two different  departments went back and forth giving me information on how to lower my monthly payments. Both Persons filled out paper work in an attempt to lower my payments. Navient says I have to go with the higher monthly payment because that was the last paper work that was filed. My {$260.00} ... monthly payment is due XX/XX/2019. Basically, I feel that I have been given wrong information throughout the 25 plus years and this has even caused me not to be eligible for their student loan forgiveness or public loan forgiveness program. I have been told that my loans don't qualify because they are federal loan. I'm not even sure when or how this all came about.
Product: Student loan

Navient student loan put me in an repayment plan forbearance, didnt explain properly what it is and now i have XXXX  monthly payment i cant afford, tried asking for income driven repayment declined and gave me forbearance which has doubled my debt.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their failure to remove inaccurate information from my credit report and their refusal to comply with my valid requests. 

On XX/XX/year>, I mailed Experian a letter along with a copy of my driver 's license and proof of address, requesting the removal of outdated and incorrect addresses listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) regarding the reinvestigation of disputed information ], I understand that they are legally required to remove or correct inaccurate or incomplete information. However, Experian has failed to update my report as requested and continues to show inaccurate address information. 

Additionally, Experian requested that I send them a letter with details of unauthorized inquiries made to my credit file, which I did. Despite this, they have not removed the inquiries as required by law, nor have they provided me with an adequate explanation for their failure to act. The inquiries were not authorized by me, and under the FCRA, I am entitled to have them removed from my credit report. 

Experian 's actions ( or lack thereof ) are in violation of my rights under the FCRA. They have also failed to provide me with clear results of their investigation, and do not allow me to view updates or results online, which further complicates my ability to monitor and resolve these issues. 

Experian has repeatedly refused to delete inaccurate or unauthorized information, and I believe their actions are misleading and unfair to consumers. I respectfully request that the CFPB intervene and ensure that Experian complies with the law by correcting and removing these inaccuracies from my credit report.