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

Dear Equifax Dispute Department, I am writing to formally dispute the reporting of a collection account from XXXX that is currently listed on my Equifax credit report. This account was removed from my XXXX credit report on XX/XX/year>, after it was determined to be inaccurate. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax delete this account from my credit report to ensure the accuracy and integrity of the information being reported. 

The FCRA mandates that credit reporting agencies must report only accurate and up-to-date information. Since XXXX has already verified the inaccuracy of this collection account and subsequently removed it from my credit report, I request that Equifax take the necessary steps to correct my report by deleting this account. 

I have attached a copy of my XXXX credit report, showing the deletion of the XXXX collection account as of XX/XX/year>. I kindly ask that you investigate this matter promptly and confirm the removal of this account from my Equifax credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and confirmation of the deletion. 

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

I noticed some inaccurate information when I pulled my credit and sent a letter to the credit bureaus XXXX, XXXX, and Transunion this information they are reporting inaccurate is preventing creditor from giving me rates I deserve. I know a little about the FCRA and it stated that unverifiable or inaccurate information must be investigated within 30days or must be removed. These companies are in violation of the Fair Reporting Act
Product: Credit reporting

The credit angency of Equifax refuses to remove a Louisiana tax lien incorrectly placed on my credit report filed XXXX incorrectly by the state of Louisiana for a buisness i never owned or operated located at XXXX XXXX XXXX XXXX, XXXX XXXX, La XXXX named XXXX. Any state or Federal tax filings have shown i have never owned or operated any type of business ever, i have spoken with the state numerous times concerning this matter which was handled by a La, department of revenue agent named XXXX XXXX direct telephone # ( XXXX ) who to me numerous times also stated that should not be on my credit file and has sent request to equifax to remove it more than XXXX.This has been going on for quite some time. The record filed at XXXX District Court case number XXXX has been nullified for quite some time. I dont know why Equifax insist upon putting me thru the unfair practice of not removing this lien off of my report for years now as well XXXX unauthorized credit inquiries, i understand that Equifax is a giant corp. that makes a profit off reporting credit info on consumers but this is so unfair to me for them to not do whats right and remove the information.
Product: Credit card or prepaid card

XXXX : Called Care Credit to question {$3600.00} amount on Credit Card. They could not provide payee name. Disputed Transaction. My first knowledge of this charge made XX/XX/XXXX. 
XXXX :. No record of dispute. Advised to not make payment. Refiled dispute. The agent could not provide me with the payee information. 
XXXX : No bill received for XXXX. Received late Notice. Called Collections. Spoke to XXXX ( XXXX # XXXX ). No record of dispute! She viewed the charge. Payee listed as " XXXXXXXX XXXX XXXXXXXX ''. She filed a complaint on my behalf- transferred me to Fraud Dept . ( PHONE XXXX ). Spoke with XXXX ( XXXX # XXXX ) refiled dispute. Confirmation to be mailed within 10 days. Note : No confirmation rec 'd. Rec 'd letter approx. XXXX stating a new card would be issued. No dispute info. 
XX/XX/XXXX : rec 'd email, " still working on claim. '' XXXX Rec 'd Fraud investigation form. Faxed and mailed. 
XXXX : rec 'd letter from Synchrony Bank stating their records indicate that I may have expressed concerns on XX/XX/XXXX regarding account activity relating to purchases, etc. XXXX through XX/XX/XXXX : Made several calls to discuss inquiry. Calls always went to call center in XXXX. They could not provide any information, and they had no knowledge of this letter. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX. Stated claim was filed and investigation concluded, but no information available. Couldn't transfer me to Synchrony Customer Care. ( XXXX ) She stated she would contact them since I couldn't get through and request them to call me would call me. They did not call. 

XX/XX/XXXX Verified account balance and payment due now showing.. Called XXXX. Transferred to XXXX XXXX fraud investigations. Stated claim was denied. Letter sent on XX/XX/XXXX. I did not receive it. Checked USPS daily mail report via email. He said he would refile claim. I told him they were way past the deadline They need to reverse the charges. He refused. Said it was paid to XXXX XXXX XXXXXXXX. Could not provide any information such as name or address. 

XX/XX/XXXX Finally reach Synchrony customer service. They transferred me to Fraud XXXX. She transferred me to XXXX who said she was unable to assist me. She transferred me yo Investigation Manager. After being on the phone for 1 hour and 46 minutes, call got disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to TransUnion, XXXX, and XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Debt collection

Midwest Recovery System has placed their negative tradeline on my transunion credit report for a debt that is not mine. 
The debt is for a bill in the amount of XXXX dollars from the original creditor called XXXX XXXX?? 
According to the tradeline it states the debt was made around 2011 and its a payday loan??
Product: Credit reporting or other personal consumer reports

my XXXX XXXX is paid and full and i would like to have it removed from my credit report. 
There are also addresses and phone numbers and misspelled names that are incorrect and should be taken off my report. 
XXXX consumer is also paid and full and would like to have that balanced updated to show that it is paid and full.
Product: Debt collection

XXXXXXXX is reporting false information on my credit report. a debt collector is saying I owe {$8400.00} which is not true. I have never heard of this company and I have not received any documentation about the debt from this company. Please send an itemized statement of the balance and show proof that the debt is mine. I was not provided with any written paperwork with my name. Please provide a signed paper with my name on the amount that you say I owe. This has caused me a lot of damage because I have been denied for multiple things when the debt is incorrect.
Product: Checking or savings account

I have been a victim of identity theft since XX/XX/2024. On XX/XX/2024 I was notified that a checking/savings account was opened in my name without my permission with Td bank. I reached out to Td bank regarding this issue on XX/XX/2024 through both the fraud department and global security department. I spoke with 2 agents on the phone regarding my problem but both of them refused to verify for me if a fraudulent account exists. They also refused to give any account details. When asked for a case ID number regarding the phone conversation neither agents provided me with a case ID.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I initiated an external transfer to withdraw funds in the amount of {$1100.00} from my Chase Checking account and deposit into my XXXX Checking account, using XXXX XXXX Banking. Fiserv is the third party company managing external transfers for XXXX Bank. 

On XX/XX/2023, the withdraw was posted to the XXXX account and the funds were gone. On XX/XX/2023, the remainder of the funds were withdrawn from XXXX and my accounts were closed ( no issues with these funds ). 

On XX/XX/2023, XXXX rejected the deposit as the checking account was on hold pending identification verification. 

On XX/XX/2023, Fiserv, XXXX XXXX  's external transfer third party sent the funds back to XXXX Bank. 

XXXX confirms these funds tried to return to XXXX on XX/XX/2023, but were automatically rejected due to the account being closed. 

It is XXXX 's stance that the funds on XX/XX/2023 were then returned to XXXX XXXX. XXXX XXXX  has never received the funds and both banks have conducted investigations, both ultimately saying the other bank is responsible. 

It is XXXX XXXX  's stance that the funds on XX/XX/2023, were not sent back to XXXX, but instead sent to Fiserv, and it is XXXX 's responsibility to recall the funds from Fiserv. 

XXXX XXXX  has contacted Fiserv and confirmed all of this information, but XXXX XXXX  has not. 

XXXX XXXX  says they have exhausted all options and XXXX needs to fix the situation. 

It is XXXX 's understanding that Fiserv is holding the funds or has sent them back to XXXX XXXX, but XXXX has no record of the funds after XX/XX/XXXX. XXXX has no record of the funds at all.
Product: Money transfer, virtual currency, or money service

I refer you to East West Banks response dated XX/XX/2022, in relation to the above- captioned subject. In that letter, they declined my complaint. 

Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps blind ) belief in the system, I had high hopes for East West Banks letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. 
I find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates Good Industry Practices, which call me to defend my rights.
Product: Vehicle loan or lease

I had a vehicle financed with BMW financial services that was not covered by gap insurance for a small amount of {$3100.00} after a bad auto accident. I understand that a small balance accrued and wasn't covered by gap but this has affected my credit score a lot. I now have a new high interest rate loan with a vehicle and have gotten 10x better at managing my credit. Id like this removed from my history please.
Product: Credit reporting or other personal consumer reports

IN 2021, BBVA banking sold my mortgage to PNC Bank. At the time I was paying BBVA bimonthly and they would hold the first payment until the second arrived. When PNC took over, I continued to make the biweekly payments from my bill pay account. But they would send the first back as an incomplete payment before the second payment arrived resulting in late payments. I spoke with someone on the phone and he said that PNC also had that program, but I would have to pay to use it. I said that was fine but I would just mail the full payments instead of continuing the biweekly payments. Then I sent checks in and the checks were not cashed. I called to find out why the checks were not being cashed and was told they had not received them, but that it was not a problem they were going to put me in a COVID deferral program and I would receive documents on that within 30 days and not to worry about the missing checks. I received an approval letter and called weekly about the documentation. A month later I called again and was told that it was denied after all as I was now four months behind ( despite that I was told not to worry about the missing checks ) and that they were putting me in foreclosure. I told them I had the money as I had had it all along, yet multiple calls and no one would tell me the amount to pay to resolve the issue. I then received an email stating that the missing checks had been received, but they had gone to the old address and would not be cashed. Following that I received a mortgage acceleration letter. I finally found a customer service person who took pity on me and gave me the amount to take to the bank to resolve the issue before the legal department even moved forward with the foreclosure. However, they put multiple late payments onto my credit report including 120+ days. I have sent letters, spoke with their executive team and had a lawyer contact them and they refuse to resolve the issue removing the late payments from my credit saying that despite that I had been paying BBVA biweekly that they were not obligated to honor that and that I should have received a welcome letter with the change of address which I did not and my payments were automatic through my bill pay service. This is hands down the worst banking service I have ever had.
Product: Vehicle loan or lease

Santander Consumer USA has a closed account reporting to the 3 major credit bureaus stating that I had a {$16000.00} balance and numerous missed payments. This is TERRIBLY inaccurate. The claim is that it was opened in 2013. This erroneous claim is tarnishing my credit worthiness.
Product: Debt collection

Midland Credit Management ( MCM ) has failed to provide substantiating documentation for the alleged debt beyond a claim of ownership, despite repeated requests. Furthermore, they have issued threats of litigation and wage garnishment, and have engaged in communication via unverified contact methods. I demand an immediate cessation of all collection activity, including the removal of this alleged debt from my credit report.
Product: Vehicle loan or lease

My car was flooded during XXXX XXXX. 
I reported the incident and was told to continue to make your monthly payments. I am flabbergasted and this is unsettling and overwhelming that I lost my vehicle due to an act of God so now I am left without a car but still managed to get threatened to continue to make payments towards said vehicle. Today I learn that I am late on a payment and still owe them thousands of dollars this is obsurd. I want this account to be closed and marked as satisfied as I made 24 on time monthly payments up until the month that my car was damaged. This vehicle was paid off they are trying to get interest fees off of something that is dead the car is dead and I will be if I do not have a way to get a vehicle so that I can continue to work and take care of myself. 
I will be filling other complaints and will bring attention to this matter until it is resolved. 
Not to mention to this date no one from Credit acceptance has called me about the vehicle at all but they know that I no longer have the vehicle and they lie
Product: Debt collection

Ace Cash Express said they would have government put a hold on my SSN
Product: Credit card or prepaid card

XXXX XXXX Mail. Sent USAA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) signed XX/XX/2019 *DOCUMENTATION REQUESTED NEVER PROVIDED Requested a ) Dates of ALL chargebacks with Amounts b ) Merchants Names c ) Accurated Dates of purchases d ) Dates PERMANET USAA CREDITS APPLIED TO BALANCE e ) Dates MERCHANT CREDITS APPLIED Also 1 ) List of ALL ADJUSTMENT PURCHASES AND DATES THEY BECAME PERMANET CREDITS APPLIED TO BALANCE 2 ) DATES THESE ADJUSTMENT PURCHASES * BECAME NEW PURCHASES ON BALANCE PROVIDE DOCUMENTATION WHO AND WHEN FRAUD INVESTIGATIONS BEGAN AND WHY
Product: Debt collection

I checked my credit report and saw a collections account from Portfolio Recovery Associates LLC. I did not recognize the debt and sent a letter to verify the debt on XXXX XXXX, XXXX, and I did not receive a reply. I again sent a debt verification letter on XXXX XXXX, XXXX. I received a reply on XXXX XXXX, XXXX, see attached. that did not contain any verifiable details of the debt. I went to the Portfolio Recovery website and pulled up an account in my name that has no information other than a dollar amount, see attached. 

I would like this debt removed from my credit report since it has not been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor AFFIRM INC has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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: Mortgage

I took a loan out with XXXX XXXX back in XX/XX/XXXX.for XXXX on my house. After XXXX XXXX  was found Guilty in Federal Court of selling bad mortgages. They sold my mortgage to Chase Bank. When my mortgage was sold to Chase Bank I only owed XXXX on it. Since Chase bank took on my mortgage in XXXX. I have had problems with them. I paid my mortgage picture perfect for 8 years. Then in XXXX I lost my job and experienced a setback. So I ask for a mortgage modification of the XXXX balanced that I owed. Well Chase said they would give me a modification on the amt Amt  I owed. Now Im getting ready to sell my house and they tell me I owe them XXXX. To my surprise I ask them how did my mortgage go from XXXX to XXXX! Them told me because I did the modification back in XXXX! I told them I was not told that Chase would Add Another XXXX dollars to my mortgage! That was NEVER DISCUSSED with me! Chase has Added this additional Amt to my mortgage therefore when I tried to SELL my house I Could NOT CLOSE! Because they have My mortgage Balance at XXXX. I have had 2 different buyers for my house to avoid foreclosure from CHASE BANK! And I can not close on my house because of their INCORRECT AMT on my TITLE. PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests sent to TransUnion, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC Sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
US DEPT ED-Balance $ XXXX Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPT ED-Balance $ XXXX-Date Opened : XX/XX/XXXX USDOE/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried multiple times to resolve those inquires with XXXX and with the vendors as well and none of them resolved my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have not provided me with any documentation, I am under the impression that you can not verify these accounts. Therefore you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items form my credit reports immediately. If I do not receive a revised credit report, with the items removed at my current address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your company may be liable for : actual damage I sustained by your failure to delete items, punitive damages as the court allows, and cost of the court action plus attorney 's fees. Since XXXX of 2016, I have been sending certified letters regarding capital one via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from capital one asking for clarity of my dispute, I could n't be any clearer, I want proof these are my accounts. If you can not provide a signed contract/agreement between myself and Capital One, then you must delete the accounts from my credit report. This is what I stated in my letters : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX  XXXX I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Mortgage

Payment sent using our Bill Pay with our Credit Union on XXXX, which is by Electronic Transfer. Payment not applied by Bank of America until XXXX. Our XXXX payment was sent also via the same method on XXXX, per our Credit Union, money was deducted from our account on XXXX, received by BOA on XXXX. Today is XXXX and our payment still has not been applied. Per our Credit Union proof of payment has been faxed twice to BOA over the last two days via fax XXXX. I have called BOA several times to have this matter resolved without resolution. They tell me they do not have my payment. THEY DO!!! I am worried about credit reporting and my mortgage becoming delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$0.00}