23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a SECOND letter I sent to ALL 3 Credit Bureaus regarding a XXXX still being reported on my Credit Report. I filed for a XXXX back in XXXX and the plan was completed 5 yrs later as agreed. Now we are 7yrs since the payback plan, ( 5 yrs ). As of my latest request we are now 12 years since my filing date. XXXX plans once " filed '' are only suppose to be on a Credit Report for 7yrs. That means my XXXX should have removed the reporting of " 120days late '' by XXXX XXXX back in XXXX. Not sure if this constitutes a law suit or not? 


To whom this concerns, This is my second request that you remove my 120 days late from my credit report I am writing this letter in hopes that you will remove the disparaging remark, ( XXXX XXXX  120days late ) on my Credit Report. 
I initially contacted XXXX XXXX  requesting that they remove the 120 days late on my Credit Report on XX/XX/XXXX requesting to speak with the XXXX XXXX in reference to Account # ending in XXXX in the amount of {$85000.00}. After several phone transfers within XXXX XXXX  I was connected to their XXXX Dept whom I spoke with XXXX, ( sp ) ( Female employee ). After she asked me some verification questions she was able to see the account ending in XXXX for {$85000.00}. I went on to explain my reason for calling, ( to please have XXXX XXXX  remove the derogatory remark on all 3 Credit Bureaus that were reporting 120 days late since I had completed my XXXX plan as agreed and that its been 5yrs since I have completed the plan. She stated she would pass on my request and that I would receive a letter as to the decision of my request. 

I then received a letter from XXXX stating that they could not remove the derogatory remark and I would have to contact all 3 Credit Bureaus and request that they remove it. 

Here are some timelines regarding my XXXX filingOn XX/XX/XXXX I filed for XXXX protection. Then on XX/XX/XXXX the plan was confirmed. On XX/XX/XXXX the XXXX was discharged. 

My XXXX only included XXXX XXXX  on a Junior lien account ending in **** in the amount of {$85000.00}. During my plan I had paid back in the amount of {$81000.00}. Leaving a write off of a little over {$3000.00}. 

I find it very difficult that XXXX, Transunion XXXX XXXX continue to punish me for the amount of {$3300.00}, ( this is the difference of the {$81000.00} paid back in my XXXX out of the original balance of {$85000.00} ). I had proven my credit worthiness before I filed for XXXX XXXX protection and continue to do so after my discharge. Its now been 12 YEARS since I filed for XXXX protection and 7 yrs since the discharge. 

So, in closing I am writing this letter in the hopes that you will find it in your heart to remove your derogatory remark which states in part 120 days late and end my continued punishment, preventing me from obtaining a Credit score worthy of the best offers in Financing as well as Auto Insurance amongst other credit related opportunities that I have earned the privilege & right to obtain. 

I look forward to your help. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, DC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 3. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

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

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

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

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


I appreciate your prompt attention to this matter, and await your reply.
Product: Vehicle loan or lease

On XX/XX/XXXX, I responded to a telephone call message left by Ford Credit. Instantly, I realized that I had not been paying my monthly auto loan. I responded immediately by calling the number left by the message. I then explained to the representative that I had not been receiving the monthly billing statement, which I rely upon as a reminder to pay my bill. This was due to a XXXX   mailperson, who frequently puts my mail into other boxes in my neighborhood kiosk mailbox. She also frequently puts neighbor 's mail in my box. Complicating matters was the fact that I had been away on vacation for most of XXXX, my last payment being in XXXX. When I returned from vacation, I paid all bills in my held mail, but the Ford Credit statement wasn't in the stack of mail waiting for me. It was also not delivered in XXXX or XXXX. I received the call from Ford Credit on XX/XX/XXXX. The credit representative, upon explanation, waived the accumulated late fees and I immediately sent in a payment covering three months, with my next payment scheduled for XXXX, which I then begin paying regularly as before. I also went to the Post Office and spoke directly with the Post Master, to ensure that misdelivery would not happen again. I then was notified of activity on my credit score by XXXX and others, so upon looking, I found that my credit score had dropped from XXXX to as low as XXXX ( XXXX  ). I wrote an appeal to Ford Credit to amend their report, or file another to help address my falling FICO score, but their response was basically that they would not assist in my request. I have made regular ( never late ) payments to Ford Credit on new trucks since XXXX and never before or since missed a payment. I am merely asking for credit reporting assistance from the CFPB to bring back my credit score to something over 800, as I immediately remedied the problem and have not been remiss since.
Product: Credit reporting 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. 

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, 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 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: Payday loan, title loan, personal loan, or advance loan

The amount of interest collected on the loan is oppressive, and I am unable to make progress paying off the principal. Due to information recently learned, I believe the loan interest and fees are illegal in Ohio, as the rate should be capped at XXXX percent. This is not a mortgage lender.
Product: Debt collection

On XX/XX/XXXX at approximately XXXX XXXX. I received phone call stating that I need to call a number with a reference number and there is legal documents waiting for me so I called the number gave them a reference number and they said I had a medical bill in the amount of {$910.00} and and are sending legal documents and if take care of this matter I am subject to wage garnishment property seizing tax garnishment Etc
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW FIN SVC - Account number XXXX Late payments - The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Closure of XXXX XXXX Credit Card Account Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to lodge a formal complaint regarding the closure of my XXXX XXXX Credit Card account, which was in good standing and consistently paid on time. The issuer of the credit card did not close the account and suggested I contact your bureau to address this matter. 

I have been a loyal customer of XXXX XXXX for several years, and during the tenure of my credit card account, I maintained a stellar payment history. All payments were made in a timely manner, and I strived to keep my account in excellent standing. However, to my surprise, I recently discovered that my XXXX XXXX Credit Card account was closed in XX/XX/2023. 

I have attempted to resolve this issue with the credit bureau responsible for reporting and maintaining accurate credit information, but my attempts have not yielded satisfactory results. Despite my efforts to rectify the situation, the responsible credit bureau has been unresponsive and has not provided a satisfactory explanation for the closure of my account. 

I kindly request your intervention and assistance in this matter. As a regulatory body overseeing consumer financial protection, I trust that you will thoroughly investigate the circumstances surrounding the closure of my XXXX XXXX Credit Card account. I believe it is crucial to ascertain the reason behind the closure and ensure that accurate information is reflected on my credit report. 

Furthermore, I request that you facilitate communication between the credit bureau and myself to expedite the resolution of this issue. It is my understanding that your bureau has the authority to review consumer complaints and work towards a fair resolution. I kindly request that you use your influence and expertise to help rectify this situation. 

I have attached relevant documentation, including account statements, payment records, and correspondence with the credit bureau, to support my complaint. These documents will provide a comprehensive overview of the account 's good standing and the lack of communication or valid reasons for the closure. 

I kindly request that you acknowledge receipt of this complaint and inform me of the steps being taken to address the matter. Your prompt attention to this issue is greatly appreciated, as it has the potential to significantly impact my creditworthiness and financial well-being. 

Thank you for your understanding and anticipated support in resolving this matter. I look forward to a fair and satisfactory resolution. 

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

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please ( Original Creditor : ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Customer Service, This is to respond to the Complaint # XXXX reference XXXX. I am exhausted, if you need more information on my behalf. I authorize CFPB to release our information including my wife, she authorize to act on her behalf in the POA to be able to get her score with major credit bereu so the XXXX XXXX can able to transfer her money to her Bank account here on Guam. I authorize the CFPB, XXXX, XXXX, Equifax and XXXX XXXX to speak directly to our Attorney XXXX XXXX. his phone- XXXX. I also authorize our Attorney not to extended the Fraud Alert on my record.
Product: Credit reporting

Hello, I filed a dispute with Equifax because they are STILL incorrectly showing a discharged bankruptcy on my credit report. 
I am NOT disputing I filed the bankruptcy, what I am disputing is WHY is it on my file? The Bankruptcy was filed as a Chapter XXXX in XX/XX/XXXX. In fact, XXXX were filed because I did not understand the process. Both have been discharged and per the credit report limits, should be removed in XXXX years. 
Equifax is REPORTING the Bankruptcy as being filed in XXXX XXXX - an outright lie. In XXXX XXXX, they received a notification to delete the BK file or notice to delete the file. Instead, they flagged my account as if this BK was filed in XX/XX/XXXXi. Even though the BK info clearly shows the date filed, discharged ( XX/XX/XXXX ) and status as a Chapter XXXX. 
I am so tired of having to contact you regarding these credit bureaus. Equifax is negatively and willfully impacting my credit score by having erroneous information, presented as " current '' XXXX shows NO public records and that is correct. Please investigate on my behalf. 
Thank you. 
Disposition Date XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXDisposition Date XXXX/XXXX/XXXX ; Date Verified XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MDXXXX : ( XXXX ) XXXX is the address for both filings. As you can see, both are older than XXXX years old and should no longer show on my credit report. Unless you are trying to force my credit score to remain lower. How many years must I pay? 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US Dept of EDU XXXX... XXXX -US Dept of EDU XXXX XXXX -Dept of EDU/XXXX  # XXXX XXXX -Dept of EDU/XXXX  # ... XXXX XXXX XXXX XXXXXXXX XXXX XXXX # ... XXXX XXXX XXXX XXXX XXXX XXXXUS Dept of EDU XXXX ... XXXX -US Dept of EDU # ... XXXX -Dept of EDUXXXX # ... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX # ... XXXX XXXX XXXX XXXX # ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US Dept of EDU # ... XXXX -Dept of EDUXXXX XXXX ... XXXX -Dept of EDU/XXXX # ... XXXX -Dept of EDU/XXXX  XXXX XXXX XXXX -Dept of EDU/XXXX  # XXXX XXXX XXXX XXXX # ... XXXX 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 In addition, I have usage of less than 30 % of the following accounts total credit and XXXX is not reporting on some of my credit card accounts ( 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 XXXXXXXX which is the amount required to keep my credit in good standing and raise my credit, and yet, these reporting companies keep deducting from my credit points unwarranted. I spoke with XXXX XXXX XXXX, for example, and they inquired for a while in their system of why this was happening with the credit reporting agencies and they advised to reach out to them, because on their end it shows that I am correct about this account. Same with the other credit cards I use. 

Moreover, I have never been known as XXXX XXXX and I don't have a middle Initial. That is incorrect.
Product: Bank account or service

I am an account holder at TD Bank. I requested a withdrawal from my brokerage account XXXX to be credited to my debit card at TD Bank. I spoke to a customer service representative at XXXX, and I was shown evidence that the withdrawal and instantaneous deposit to my checking account was completed. I went to the TD Bank branch office on XXXX and XXXX Streets and they told me they have nothing in pending transactions or otherwise to reflect that fact. Also, I write to complain about TD Bank 's policy of not abiding by XXXX standards in accounting which specify First-In, First-Out accounting or First-In Last-Out accounting, but rather by the " size of the transaction, '' in overdraft protection. This practice is unacceptable because the balances on ATM receipts do not reflect the balance by their method and the result is a charge of {$35.00} every time the consumer withdraws from the account. For example, an ATM receipt may reflect a {$20.00} balance, and the consumer may withdraw {$10.00} based on that statement only to XXXX that TD Bank 's " records '' do not match their statement and the consumer is defrauded out of {$35.00} each time a withdrawal down to {$0.00} occurs. I will attach proof of my withdrawal from XXXX and instantaneous credit to my TD Bank debit card as well as proof of such fraudulent charges as associated with overdraft protection, known as " Debit Card Advance ''.
Product: Debt collection

Back in XX/XX/XXXX I open a credit card with XXXX XXXX XXXX  with a {$500.00} credit limit. It was charged off in XX/XX/XXXX. I filed for bankruptcy in XX/XX/XXXX and I got the card to help build my credit back up. I ended up being out of work for little while and got behind. I moved in XXXX and got married in XX/XX/XXXX. In XXXX of XXXX, my son was in a very life threatening accident and was in the hospital for a while. In XX/XX/XXXX Midland Credit had me served at my old address for a judgement. My sister or someone claiming to be my sister happened to be close to the house and took the paperwork. When I was notified I went to the courthouse and signed the paper to request a hearing. Well my son was still in the hospital and I forgot about the court. So they filed against me. Midland, per their attorney XXXX XXXX  XXXX also filed for a FiFa to be placed on my property in XX/XX/XXXX, because they knew that I came off my bankruptcy in XX/XX/XXXX. So in XX/XX/XXXX Midland credit begin to report the debt on my credit as their debt. They are now saying that I owe {$1000.00}. My complaint is for the amount of time that the debt was placed in their office XX/XX/XXXX. They were pulling my information because they knew of the public records about the bankruptcy so they could see my new address and contact information. Also I have 2 open credit card accounts with XXXX XXXX right now. They use the the XXXX XXXX XXXX law office to collect their money and will not deal with the debtor. The XXXX XXXX  XXXX law office have random people calling and working on the case. And they are very unprofessional and will not return calls or answer emails. They even had an attorney from different area to step in on their behalf. My case number is Midland Funding is XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : 1. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX ) XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!