23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The IRS sent me correspondence re money owed. My accountant told me to pull up all checks paid to the United States Treasury to see if I had indeed sent the check in. In researching checks sent, I found Check # XXXX dated XX/XX/XXXX for {$XXXX} had been stolen, washed and forged by XXXX XXXX XXXX. The check was deposited into a USAA bank account. There are SO MANY errors on the check ( uploaded below ), yet it was still deposited. This person was arrested earlier in XXXX for financial fraud and they bonded out. Because more than 6 months have passed, my bank, XXXX, is refusing to reimburse my account. I filled a police report on XX/XX/XXXX Service # XXXX and also wrote a statement for the DA. I understand more than 6 months have passed, but how did this check get deposited when there are so many errors on it? I need those funds back. I always put checks to the US Treasury directly into the USPS outgoing box and not in my mailbox.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I notified Equifax through CFPBs complaint portal, that XXXX inaccurate late payments in XX/XX/2020 were listed on my credit report. The companies Total XXXX and XXXX XXXX are listed on my credit report as XXXX XXXX XXXX XXXX The complaint is as follows : XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX XXXX and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly XXXX points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over. Despite this, Equifax has not only failed to correct my report, but have change the inaccurate 30 day late payments to 60 days! This is a violation of the FCRA and is unacceptable. These inaccuracies caused my credit score to plummet and has completed disrupted my plans of purchasing a home.
Product: Credit card or prepaid card

Ive filed several complaints with This organization and Conduent. To no avail, Im brushed off and the problem is slightly overlooked. Im still showing pending transactions/holds on my card ; being double charged for items beginning in XX/XX/2020. Ive contacted the vendors that see the problem but they say I need to speak with the bank to fix the problem ; conduent/Way2Go sees nothing.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Hello, My mortgage servicer is Truist Bank while the mortgage is held by XXXX XXXX. We were contacted via post with a letter stating that our loan was qualified for forbearance under the Cares Act. I did an online inquiry and was sent a letter telling us that we were good to stop paying our mortgage and giving three options of how to repay the loan. This is the area where I seek clarity. 

I called in using a script received from your website asking of repayment options and was repeatedly told this would be decided at the end of the forbearance period. I reiterated that I would not enter into an agreement without knowing the end game. I repeatedly asked for a letter clarifying that at the end of the forbearance, repayment would be added as the same number of missed payments to the end of the mortgage with no penalty. I was told this could not be done. 

This is scary. During this pandemic people are afraid and grasping at straws. Our representatives fight to create legislation that can help people, yet I see it as double dipping by banks. They are getting federal assistance and endeavoring to make any assistance obscure to seize homes at the end of this crisis?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) and pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer report as late for any purpose. I demand my late payments be updated to paid according to these U.S. laws. In addition I have not received a 1099 for any charge off accounts as stated on my report as well. Experian has refused to update accurate contact information as well. I will accept compensation for these penalties.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, At first, I would like to request the removal my name permanently from the preapprove credit offer mailing lists that your company provides to businesses. These are necessary information for this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Next, I want to dispute and complain some content on my credit reports. Due to the multiple times of email notices of your companies, previously, I requested to remove the part of statement in it, which state I am on duty of military. Since I am a XXXX nationality and was born in XXXX I dispute this content should be a mistake or written in fraud by your company upon some impersonated third person. Even though I submitted the necessary documents to remove it, since these emails have stated same thing, I would submit the document which tells my name and address along with the copy of social security. Therefore, I request to remove the written content of military duty and give the explanation of this addition to my credit report. 

Thirdly, one of email addresses of your company, XXXX, continuously sent me the credit report every day, and they state that one of my XXXX XXXX XXXXXXXX does not have any transactions, since there has been {$0.00} balance and {$0.00} scheduled payment ; even though I continuously use and pay every month. Also, they say this card was closed in this XXXX, even though I still use. Would you explain this discrepancy with reality? Even though the report asks to contact with XXXX XXXX XXXX, XXXX XXXX, TX XXXX, I request you to clarify the matter within your company as your company responsibility. 

Sincerely,
Product: Student loan

I was in a forbearance with Navient, and during that time, " late payments '' were still reported on my credit. This lowered my credit score tremendously! I received calls and email messages from Navient during the forbearance period to make a payment. I told them I was in a forbearance. The Navient representative told me that " not all '' of my loans were under a forbearance. I requested to have ALL of my loans consolidated so that various loans are not in different reporting stages. I never received the information to consolidate & they are still being reported as late. Navient is reporting several loans as missed or late payments on my credit. Also, the school that I had loans with is closed/ no longer an active school.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$610.00}
Product: Mortgage

When I made additional principal payments, XXXX XXXX applied a XXXX Fee and prepaid additional payments taking 3 interest payments in one month. 

I have an impound account set up and they did not pay my homeowners insurance. The day before the homeowners insurance was due they sent me a letter telling me I am required to maintain insurance on my property.
Product: Credit reporting or other personal consumer reports

The bankruptcy reported on my report is inaccurate and should be removed. As it has been cleared. 

XXXX credit should not be on my report as it was part of my bankruptcy. It is illegally on my report XXXX XXXX was part of my bankruptcy and should be removed from my file. 

XXXX bank is beyond XXXX years and was a part of my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1100.00} EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm disappointed to find unrecognized credit inquiries on my record, despite assurance from Experian that they would be removed. I've not given permission for these inquiries, and their persistence is concerning. I trust in the Bureau 's commitment to consumer protection and hope for a swift resolution to this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX, CA XXXX Dear XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Your Account Number : XXXX Date of Charge-Off : XXXX  Amount Charged Off : unsubstantiated I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the information to my mailing address : XXXX XXXX XXXX, XXXX, PA XXXX. 

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX
Product: Credit reporting 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 items : XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXXXXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX HAS ALLOWED BEST BUY A.K.A CBNA TO REPORT THE SAME ACCOUNT TWICE ON MY XXXX REPORT. BOTH ACCOUNTS FROM CBNA HAS THE SAME OPEN DATE XX/XX/year>., I WOULD ASSUME ITS IMPOSSIBLE TO HAVE TWO REVOLVING ACCOUNTS WITH THE SAME CREDITOR AND OPEN DATE. THIS ERROR IS ILLEGAL AND UNETHICAL. XXXX FAILED TO AN INVESTIGATION. CBNA FAILED TO PERFORM A INVESTIGATION. THE DUPLICATE ACCOUNTS HAS BEEN DAMAGING TO ME. REMOVE BOTH ACCOUNTS IMMEDIATELY. I CALLED CBNA THE REPRESENTATIVE CONFIRMED THIS WAS A DUPLICATE ACCOUNT USING MY CREDIT CARD NUMBER AS THE ACCOUNT NUMBER. SHE STATED IT WILL BE UPDATED, ITS NOT UPDATED
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1500.00} I DONT RECOGNIZE THESE INQUIRIESXXXX 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

This is another dispute to TransUnion I am submitting a 609 dispute letter to TransUnion regarding 3 accounts transunion is in accurately reporting, TransUnion is required by the FCRA to delete this accounts. 

1. XXXX XXXX XXXX XXXX - Eviction Record Sealed from General Public that TransUnion is reporting which is a violation of my right to confidentiality. 

2. XXXX XXXX XXXX- An Illegally Re-aged Account that TransUnion , along with the creditor has illegally Re-Aged. 

3. XXXX XXXX XXXX An Account that was paid off, and is being in accurately reported as owing XXXX XXXX XXXXXXXX . 

By Federal law TransUnion has to abide by Section 609 of the FCRA and turn over all documents that they received from the creditors that ( verifies the debt as accurate ). All hidden records to be included that means records that are not disclosed. If TransUnion provides incomplete information, they are required to delete ( all 3 ) accounts, if TransUnion refuses to turn over documents by Federal law they are required to delete ( all 3 ) accounts.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries XX/XX/XXXXXX/XX/year>. 

XX/XX/XXXXXX/XX/XXXX ( Auto ) XX/XX/year>. 

XX/XX/XXXX( Bank ) XX/XX/year>. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a credit card account on my credit report that I did not open. The account in question is a [ Current Card ], listed as opened on XX/XX/year>. I have no knowledge of this account and am certain I never applied for or opened it. Additionally, the report indicates the card has never been used. 

Given this, I believe the information is inaccurate and would like this account removed from my credit history. Please investigate this matter and correct my credit report accordingly. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX
Product: Checking or savings account

I went to check my checking account this morning and it was open then when I checked it again it said account locked. I called Bank of America and they told me my account was closed and I asked why and they told me it was no explanation and it was a business decision. I had funds that was suppose to post today and also had {$10.00} in my account I cant access. First Friday they had a outage which caused my transaction to never be processed and me getting my car repossessed to this my account being closed for no reason while I had funds in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX XXXX  XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date Opened XX/XX/2021 Status Paid, Closed. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

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

Different addresses are reporting on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I opened an account on XXXX XX/XX/XXXX and didn't get the " bonus '' and then when I tried to transfer money to my account after providing every piece of information they asked for and already transferring money once they suspended my ability to transfer money. I was told I have to show that I OWN the account that I transferred my money from IN PERSON! I already provided the information online and can't get back to the bank for at least a week due to the fact that I am a XXXX  VETERAN without transportation. UPDATE!!! After I wrote a review of TD Bank they have since BLOCKED my access to my account and my money from my Veterans XXXX check!!!!! 

Date of experience : XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the finding out of the XXXX data breach, I decided to protect myself by thoroughly investigating my own credit report and doing research. I own a XXXX XXXX, XXXX, and XXXX XXXX card and recently applied for another one and was approved. Upon seeing things affecting my scores I discovered 14 hard inquiries, with many of them the Same one twice and all within a week of each other. I have purchased XXXX XXXX to protect myself and I am going to be placing a fraud alert as well. I am working on my credit to be able to apply for a house loan next year and need these unauthorized inquiries off. I have contacted XXXX XXXX2017 please help me remove these inquiries from all CB please