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

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING.

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED.

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY.

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Credit card or prepaid card

i had the costco XXXX XXXX credit card as a member, when costco decided to switch from XXXX XXXX, as the only credit card they would allow costumers as the payment method, to the XXXX visa card i was switched to it automatically, after about 1 year when the XXXX card expired i got a letter saying that they were closing my account because of delinquency on an old account. i called i asked them why they gave me the credit card for 1 year and that they couldve not gave it to me from the beginning they told me they had the right to cancel my account at any time, but not only they cancelled my account but they kept charging me for late fees and interest i told them that if they were the ones closing my account at least they shoudlve stop charging me late fees and more interest! i need to mention that while my account was active i never missed a payment, never had a late payment and i paid the whole amount at least 3 times, and also they said that they were not giving me the rewards money ( costco cash back rewards ) that i had earned until they closed my account.

so i think they were racially profiling me and discriminating me
Product: Debt collection

The doctor 's bill was {$460.00} and the debt collection agency is trying to collect {$590.00} because they state that the bill is 120 days late and that adds a XXXX percent charge.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I made a purchase with XXXX  for a DNA kit at XXXXXXXX XXXX using my Cash App account. Despite having sufficient funds in my account, on XX/XX/year>, at XXXX XXXX, my account went negative for {$94.00} due to the XXXX charge. I contacted XXXX, who confirmed they received my payment, as my DNA kit was shipped and scheduled for delivery. I provided this information to Cash App, but they did not explain why my account went negative. Instead, they told me to add funds to cover the negative balance. Fearing that my account would close, I added funds to bring my balance back positive. 

On XX/XX/year>, my account went negative again for {$45.00}. I contacted XXXX, then was transferred to XXXX XXXX  and XXXX XXXX XXXX XXXX  Representative, who confirmed that my transfer from XX/XX/year>, was successful. Cash App again instructed me to add funds without providing an explanation for why the negative balance occurred. In fear of account closure, I added funds to bring my balance back to positive once again. 

Cash App has not provided an explanation for why my account went negative, and their only solution has been to add funds without addressing the underlying issue. This has caused me significant frustration and confusion.
Product: Consumer Loan

Collection practices are unethical. Collection agency does not care about the client 's needs. I have tried countless times for Westlake Financial Services to Rectify my situation.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Humble, Texas XXXX The following personal information is incorrect XXXX. XXXX XXXX XXXX APT XXXX XXXX TX XXXX XXXX. XXXX XXXX AV XXXX LA XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 

XXXX. Bank Name XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Bank Name : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank Name : XXXX XXXX XXXX XXXX SER Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank Name : XXXX XXXX Account Number : XXXX Please remove it from my credit report XXXX XXXX XXXX Section XXXX A. XXXX any consumer has the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without prior consumer written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I found a mistake in my credit report, showing a late payment that doesn't reflect my typical payment history.
Product: Debt collection

My account was sent to collections although it was paid on time. my provider had retired and cashed the check in his personal account and there was a mix up with my bill. after showing proof that the amount had been paid in full they refused to cooperate, ordering me to send repeated proof without responding to me. months after the start of this, a negative mark was put on my credit and after multiple phone calls to correct this issue, XXXX responded in the worst, rudest, most unprofessional manner.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Student loan

I graduated from school in XX/XX/XXXX. I have 2 loans on AESSUCCESS.org. One is owned by XXXX XXXX and the other is XXXX XXXX. I have been paying on these loans for almost 10 years. 

The XXXX loan is a {$5000.00} with a variable rate averaging {$50.00} a month. Using that average I have paid around {$5700.00} and my outstanding principle balance as of today ( XX/XX/XXXX ) is still {$3900.00}. So out of the {$5700.00} I paid into it, my balance has gone down only by a little over {$1000.00}. The expected payoff as of now is XXXX/XXXX/XXXX. That's over {$6000.00} dollars more I'm expected to pay for a {$5000.00} loan. 

The 2nd loan from XXXX XXXX is a {$15000.00} loan with a variable interest rate averaging {$100.00} a month. I've paid around {$11000.00} into this loan already and the outstanding balance as of today ( XX/XX/XXXX ) is {$11000.00}. So that is only about {$4000.00} drop in principle since repayment started. The expected payoff date is XXXX/XXXX/XXXX. That's another {$12000.00} minimum in payments. 

I've had no furloughs or delays in payments and have made every payment on time. Its obvious my money is not being dispersed correctly. 
As it stands on both loans, I would be paying back over double what I took out.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX  -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX Balance : {$250000.00} XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX : {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$48000.00} XXXX XXXX XXXX XXXX XXXX : {$34000.00} XXXXXXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$43000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$10000.00}
Product: Credit card or prepaid card

Continually received unauthorized charges to my account and closed it in XX/XX/XXXX. Fraud Investigations confirmed the charges were not mine and reversed 2 out of the 3 charges and missed the third charge. Called numerous times to have the third charge removed. This was finally done but then in XXXX a fourth charge to the same retailer appeared on my account on XX/XX/XXXX, which appeared on my XX/XX/XXXX statement. Called Fraud Investigations on XX/XX/XXXX to have the fraudulent charge reversed, which XXXX confirmed was already done. In fact, the fraudulent charge was never reversed and I have now accrued penalties and interested to XXXX.I thought I had finally had my issues resolved when I recieved my XX/XX/XXXX statement, which reflected a reversal of fees, interest, and fraudulent changes and a XXXX balance. Also received a letter of apology from Barclays which stated that they took responsibility for not handling my complaints properly. Much to my surprise, I just received another statement reflecting the same fraudulent charge from XXXX of {$12.00}, which was backdated to XX/XX/XXXX and posted on my account as of XX/XX/XXXX, an account which was closed 10 months ago!
Product: Debt collection

I received a letter that they will be garnishing my wages of 15 % each check. I had no idea of who they are and where they are coming up with the amount. All I see is that it is student loans but no idea of it 's private or federal as no information was given exempt that my paychecks will be decreasing and I live off every dollar amount now to survive. I will be financial crippled if these people garnish my wages. Not only did this come out of the blue - they contacted me through my place of business leaving me subject to losing my job making my life situation worst.
Product: Debt collection

I received a letter from RS Clark & Associates, Inc on XX/XX/2020 stating that I owed an alleged amount of {$69.00}, I immediately responded on XX/XX/2020, asking them to verify the alleged debt as I did not recognize nor owe it. I never received a reply back, but immediately this collection was put on all three credit bureau reporting agencies, XXXX, XXXX  and XXXX, since XX/XX/2020 Ive sent two other letters demanding verification and validation of the alleged debt and have not received it, I have requested that they immediately remove the negative collection from my credit bureau reports which they have not done either. They have violated so many consumer protection laws that they should be closed by the attorney general of Missouri as well as Texas.
Product: Credit reporting or other personal consumer reports

This is the 10th time and it's still inaccurate and incomplete information this account is showing ( ND ) ( CO ) ( C ) in the XXXX report. XXXX don't even have payment history Transunion showing no payment history. XXXX has this account as an collection and charge off. XXXX and transunion as this account as a charge off. Remove this account immediately!! So XXXX XXXXXXXX and transunion has failed to complete the inaccurate and incomplete information. XXXX has the closed date XX/XX/XXXX XXXX and transunion have XX/XX/XXXX ( 3 ) years apart. Remove immediately! 

XXXX XXXX XXXX.
Product: Credit reporting

XXXX/XXXX/2017 I received a copy of my free annual credit report. Upon reviewing the report I attempted to dispute some items that I knew where incorrect at XXXX agencies. I went to each dispute online and was told I could not file disputes online. I was given a number and told to call Transunion. I called transunion, Transunion informed me that my was blocked because I needed to update my credit card for my account. I informed them that I no longer wanted the account and they said that I had to put that in writing. Furthermore, that I could not dispute anything on my credit without updating my credit card information. I informed them that it was my legal right to be able to dispute items on my credit report. I was informed that either I update my credit card information or I waiting until I put it in writing before they would allow me to dispute any information on my credit report.
Product: Credit reporting

On XX/XX/2016, CCB/PPC ( Comenity Captial Bank / PayPal Credit ) - pay pal credit opened an account, it was found to be fraudulent and closed. However, they told me the hard credit pull would be removed from my credit report 2 months ago and it still is not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received results for dispute # XXXX on XX/XX/XXXX. In that dispute I provided XXXX with clear evidence from the Creditor, Caliber Home Loans, that my XX/XX/XXXX mortgage payment was NOT 30 days late as it was being reported. The payment was made on XX/XX/XXXX which is reflected on the statement they were given. This is clearly not late by 30 days. Despite this evidence, XXXX closed the dispute without fixing their mistake. Caliber Home Loans is aware of this issue but blames XXXX. They state they are NOT reporting my account late for the month in question. This is costing me the ability to get a mortgage and neither company should be allowed to be so negligent with their reporting. Ive now had to submit a new dispute today and wait to see if they will actually correct their mistake in 30 days or if I will not be able to buy a home until XXXX because of their carelessness.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations 

XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Mortgage

I have been trying to refinance my mortgage which is with XXXX loancare to a lower rate with XXXX XXXX. 
Loan Care is not responding by not giving payoff amount as of a set date of XX/XX/2021 in writing which they require! 
it has been over 2 weeks and I have spoken with all reps and gone on the automatic system to get fax back of the amount within XXXX hours and still no response! 
I do not want to loose my refi rate Loan Care XXXX Pay Off XX/XX/2021 In writing
Product: Checking or savings account

in a time when americans are dying, suffering and lost jobs and income, why ARE some banks forcing us to call each week or month to ask for waiver of fees? JUST WAIVE THE XXXX FEES!!! 

REGIONS is a bad bank with no empathy. Although it has waived last. month ; s maintenance fees it requires ME and ALL OF US to call back to ask for or BEG for the wavier when it can auto waive it due to COVID! 

it is shameful and regions should be closed down
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My credit card balance was XXXX, for a few monthsthen their were charges totaling over {$500.00}. None of these are my charges!!! 

I called Chase Bank three times beginning XXXX XXXX. Each time they told me that the disputed charges would be removed, but they were not. They did send me a new credit card, but transferred the charges tithe new card. In XXXX I sent them a lengthy email explaining the situation, but they are still telling me that my payments are late. 

I am at a loss as to what to do. I am a widowed XXXX  citizen an am desperate for your help. 

Thank you
Product: Credit card

I applied for a XXXX Preferred Guest ( XXXX ) AmEx card on their website where it stated that I would receive XXXX points upon the XXXX purchase, and and additional XXXX points if I spent {$5000.00} within 6 months. I was approved for the card and fulfilled the terms stated on the XXXX/AmEx website. 
I noticed that these points have not been applied to my account, so I called AmEx. They said it might be that I did not qualify for the promotion although this was never mentioned to me when I applied. 
If I did not qualify, it is AmEx/XXXX responsibility to make this explicit to me at the time of application, otherwise I would not have applied for the card. 
I expect AmEx/XXXX to honor the promotion upon which I applied on their website, and deposit XXXX points into my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to file a serious complaint because BOA credit department refuse for my credit adjustment. 

I have paid off the loan balance on XX/XX/2020. I checked the account balance was XXXX via on-line banking, so I don't look at the account since then. 

On XX/XX/2020, my refinance agent told me that I have bad credit scores due to BOA line of credit showed LATE FEE in XX/XX/XXXX and XX/XX/XXXX for two accounts XXXX and XXXX. I was shocked and went to on-line banking to check, and find I still have a new balance of {$14.00} in XXXX statement and a late fee {$29.00} shown in XXXX and XXXX statements. But the late fee was waived and finance charge was credited in XXXX statement. 

I sent dispute letter to BOA, their response was the statements shown were correct, they will not change it. I didn't argue the data was error, but want to debate what it happened and seek for a courtesy credit adjustment. I usually have over XXXX score but now drop to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX XXXX  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 severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX 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. 


XXXX XXXX XXXX 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

loan XXXX I had to call to find that I had a credit balance that I could use lender emailed me the form ; I signed and faxed back I asked to have the check expedited since I need it for high electric bills in AZ rising to111 degrees lender will not XXXX XXXX the check its going to take up to 3 weeks for the check to be received
Product: Checking or savings account

I am unable to access any bank information from Navy federal because they closed my account without notifying me because of overdraft fees even when i was enrolled in XXXX. I havent been able to access anything nor make any payments because they closed all accounts leading to my money. I have no idea why they charged me for purchases i didnt make and if made i was in the XXXX  program