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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Removal of Inaccurate Accounts Based on CFPB Complaint References To Whom It XXXX Concern, I am writing to formally request the removal of inaccurate information on my credit report. I recently filed complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX accounts reported by XXXX XXXX XXXX XXXX. The reference numbers for my complaints are XXXX and XXXX. 

These accounts were prematurely reported as charged off, which violates the Fair Credit Reporting Act ( FCRA ) and industry standards : XXXX. XXXX account was charged off after only 60 days of delinquency. 
XXXX. The other account was charged off after only 90 days of delinquency. 

As per FCRA guidelines, a charge-off can not be reported until after 180 days of non-payment. Reporting these accounts as charged off before the 180-day period is a clear violation of FCRA Section 623 ( a ) ( 1 ) ( A ).

The CFPB has acknowledged receipt of my complaints, and the disputes are pending resolution. In the meantime, I request that your agency investigate these inaccuracies and remove the accounts from my credit report, as they are clearly inaccurate and misleading. 

Relevant FCRA Violations : 1. Section 623 ( a ) ( 1 ) ( A ) : Duty of Furnishers of Information to Provide Accurate Information Reporting a charge-off after only XXXX or 90 days of delinquency violates the legal obligation to ensure accuracy. 
XXXX. Section 605 ( a ) : Reporting Time Periods Misleading and inaccurate charge-offs are not eligible to be reported. 

Harm Caused : These premature charge-offs and the failure to reflect accurate payment history have caused : A substantial drop in my credit score. 
Denial of credit opportunities. 
Misrepresentation of my creditworthiness, leading to financial stress and hardship. 

Requested Resolution : Given the seriousness of these inaccuracies and the harm they have caused, I respectfully request the immediate removal of these accounts from my credit report. Attached, I have included : XXXX. Copies of my CFPB dispute acknowledgments ( reference numbers : XXXX and XXXX ). 
XXXX. Documentation highlighting the discrepancies in the accounts. 

Conclusion : I expect your agency to take swift action to correct these inaccuracies, as required under the FCRA. Please confirm the removal of these accounts and provide me with an updated copy of my credit report. Should you need additional information, I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account on XX/XX/XXXX with the offer of " Get up to {$400.00} Let 's do the math ''. {$300.00} to be rewarded after depositing {$500.00} within 60 days. The other {$100.00} I did not opt to participate in. Bonus XX/XX/XXXX, I called to inquire why I had not received my bonus as XXXX statement cycles have already passed. The agent acknowledged that I have fulfilled all the requirements of the offer and that the bonus would be deposited at the end of the month. The phone call was recorded like they mention at the beginning so there is no question. 

In the fine print of the offer it says to " take a screenshot of this page as proof ''. Therefore, I have provided further proof that I registered for this offer and fulfilled the terms as stated by the last agent phone call on XX/XX/XXXX. 

XX/XX/XXXX passed and I did not receive the bonus deposit. 

Sunday XX/XX/XXXX I made a phone call to citizens bank. They claimed I needed an " offer code '' which there was no mention of during the application. The online offer was a direct link which I used to apply. I also retained the offer screenshot as shown in the fine print for my proof which they didn't accept. Instead they opt to start an " investigation '' which would be resolved within XXXX business days. XXXX business days past and nothing. 

Citizens bank defrauded me into opening a bank account and made interest off my deposit.
Product: Debt collection

My father received a call from a " XXXX XXXX '', he returned the call at XXXX XXXX XXXX XXXX and spoke with a " XXXX XXXX '' about a debt I apparently owed. I called and was informed the company was " XXXX. XXXX '' or " XXXX Services '' in Nevada. I spoke to " XXXX '' who referenced my social security number and an old account number at U.S. Bank. including dates that the account was open ( XXXX which seems correct XXXX, closed and when it was sold to collections ( XXXX ). This is the first I have ever heard of any collection issue with the account. He informed that it 'd be reported to XXXX XXXX who would freeze all my checking accounts. I later spoke with a friend at U.S. Bank who did not even show the account as charged off. I also looked up to WA state statute of limitations. When I called " XXXX '' back to inform him that even if the debt did exist it would be time-barred given the state law, he threatened to take it to court.
Product: Consumer Loan

I took out a new vehicle loan XX/XX/XXXX with Wells Fargo. From the very XXXX month, I was told that I could make payments to my loan using my Wells Fargo account. Wells Fargo has established another company within itself called Wells Fargo Dealer Services, and they do not communicate with each other in regards to electronic payments. When payments are taken out of XXXX Wells Fargo Checking Accounts, they take up to 2+ business days to arrive and be processed at Wells Fargo Dealer Services XXXX They also do not communicate with XXXX another in terms of when payments are submitted or if they are going to be showing up as " late '' within a system. 

Sometime XX/XX/XXXX, I attempted to set up an automatic payment within Wells Fargo, but that system never worked and I missed my XXXX payment, causing me to be 30+ days late sometime XX/XX/XXXX. When I noticed the payment had not posted, I paid what was owed and went on with my life. What I did n't know was that while my payment had posted, I started a clock and payments that were already 30 days behind. At no time did Wells Fargo Dealer Services attempt to contact me and inform me that I was 30 days behind on my payments. Each month, when I would make a payment thereafter, resulted in my being charged on my credit report as 30+ days late. 

I again attempted to set up a auto-pay XX/XX/XXXX, and once again it failed. Once I realized it, there were now XXXX missing payments and I began making frantic phone calls to Wells Fargo to figure out what I could do and how I could make things right. It was then that I discovered the XXXX different companies. Wells Fargo Dealer Services has began looking into transaction dates, as if they could resolve this and tell me to " go away '' because it 's entirely my fault the payments are late. When you have a parent company that takes 4+ days to provide funds for a loan to itself, then docks the person who 's making the payment because it 's late - I think there 's both a LARGE communication issue and potential fraud within their systems. I have repeatedly requested them to see that there was a mistake on my part and ask for an adjustment to all my late charges within the credit agencies, but this request is being met with continual denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, regarding 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
Product: Credit reporting or other personal consumer reports

I AM A SERVICEMEMBER FILING A COMPLAINT TODAY BECAUSE I HAVE ASKED THE CREDITOR TO DELETE CREDIT REPORTING INFORMATION DUE TO PAYING OFF THE ACCOUNT IN FULL ALONG WITH EXPRESSING THAT I HAVE A XXXX XXXX IN THE MILITARY THAT I WILL LOSE IF THIS IS NOT DELETED DUE TO IT LOOKING LIKE I AM A RISK AND CAN NOT HANDLE MY FIANANCES, ALTHOUGH I HAVE EXPRESSED THIS CONCERN THEY EMAILED ME AND TOLD ME EVERYTHING ON MY CREDIT REPORT IS REPORTING ACCURATELY WHICH IN DEED IT IS NOT, PLEASE HELP ME GET THIS REMOVED DUE TO ALL INFORMATION I HAVE ATTACHED BELOW TO INCLUDE PAYMENT HISTORY MISSING, ALONG WITH SOME PAYMENT HISTORY SHOWING I AM UP TO DATE ON PAYMENTS, AND ANOTHER REPORT REFLECTING I AM SERIOUSLY DELINQUENT. ALONG WITH INFORMATION MISSING THAT I HAVE HIGHLIGHTED PLEASE HELP ME RESOLVE THIS THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX
Product: Mortgage

Escrow has been requesting the Payoff Demand from Ditech a XXXX XXXX every other day since XX/XX/XXXX, with NO RETURN Payoff Demand send. 
Ditech has send the owner many packages to assume the loan, which is not what the owner wants to do with her property. 
The property is in Escrow should have closed escrow XX/XX/XXXX and buyer is paying {$5000.00} to extent the interest on their loan. 
The owner has called Ditech and Ditech refuse to talk to her unless owner assume loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX DE XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident XXXXypeSingle family XXXX XXXX XXXX XXXX SUNRISE, FL XXXX Resident typeApartment complex THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX SAINTHILAIRE 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 Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I sent disputes to Experian consecutively last year in since XX/XX/year>. I have been disputing this for a very long time now, but the credit reporting agencies fail to provide me the description or method on how they verified these accounts. They are reporting items on my credit report that are not 100 % accurate. This Information that they are reporting is defaming my character and these allegations have effected my life. I can not get approved for a home loan, credit cards nor a car loan due to these false information. 

These are the accounts that are not reporting accurate : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$15000.00}
Product: Vehicle loan or lease

I just wanted to ask why I dint qualify for this lawsuit against santander in XXXX when they did the same thing to me in XX/XX/XXXX. When I received this car they knew I only received ssi they saw all my creditors knew I own a home and pay mortage and was raising grand kids. They knew I wouldn't be able to keep up with this loan. They lost big because of they actions with low income buyers and they are still doing it They lost a lawsuit in XXXX and the next month they did the same thing which they was being sued for To be part of a new lawsuit if one ever comes available they knew I would t able to pay this loan. They saw my income and bills and still ket me buy a new car https : XXXX
Product: Credit reporting

I have repeatedly ( three times ) mailed Equifax regarding their investigation of an unauthorized hard inquiry of my credit report. I understand that under FCRA they are required to provide a description of the actual procedure used, including name, address, and telephone number of anyone they contact. Each time I write to them requesting that, they send me a form letter that does not actually include that required information. Their responses, which seem to be simple auto-generated form letters, also ignore specific and relevant questions about the process and their investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting on my personal credit report with TRANSUNION and XXXX. This is a business loan in which I signed as a personal guarantee. This is a business transaction, and I acted as the guarantor, this loan was not taken out on my name, nor did XXXX XXXX utilized my personal credit worthiness to XXXX this loan. This loan was approved based on business financials and business taxes. I am requesting for this information to be removed from my personal credit file with XXXX and TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago I had several collection accounts from XXXX XXXX XXXX, which were reported to all three credit reporting agencies. After these account were paid in full, I was assured that these account would be deleted from all three bureaus, and they were. About a year ago ( XX/XX/XXXX ),   five of these accounts appeared on my TransUnion report. After noticing that they were not on the other two credit reporting agency reports I contacted TransUnion and asked for an investigation. The investigation resulted in the deletion of the accounts ( XX/XX/XXXX ). However, about two weeks later they were back on the report. This went on for about five ( 5 ) times over a four ( 4 ) month period. I have called XXXX XXXX several times in which they have informed me that first of all they stop reporting to the credit reporting agencies after a year, secondly, they don't give permission for deletion and turn around and report again, and thirdly, they report to all three bureaus, not only TransUnion. TransUnion is not cooperating with the investigation and continue to delete and re-report these account, and in the meantime, my score is affected by at least 60 points. I do not know where else to turn. Your help in this matter would be greatly appreciated.
Product: Credit card

I received a letter from " Customer Care '' in regards to my Elan credit card. The letter was about a refund in regards to the following link : XXXXI checked my credit card statement and noticed they refunded me {$1.00}. I called both " Customer Care '' and Elan and neither could tell me how the refund was calculated or tell me how much I had been charged for the services I did n't receive. They basically said that 's your refund and be happy with it. The supervisor at Elan told me that Elan had nothing to do with this and she had no idea how the refund was calculated and basically that it was n't their fault. Some type of account review or calculation had to be done to determine the amount of each refund. I think as a consumer who was affected by this, I should be allowed to see how they calculated my refund. And also they should have to show me exactly when I was charged and how much. The people I spoke to at Elan are just passing the responsibility and claiming ignorance of the situation.
Product: Mortgage

I filed bankruptcy 5 years ago and it was discharged XX/XX/2016. Since this time have been trying to get the bankruptcy flag removed from my account. I cant contact them to get any information concerning my account. When I try to contact them th call goes to a third party company. I keep paying my mortgage and the balance never change. I have gotten several notices that I was entitle to a escrow refund but it never comes. I received a refund on my property tax because of my age XXXX. Havent heard anything from Ditech.. I tried emailing them and all I get is a form letter about they will have more infoe and nothing has happened for 9 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 act 15 u.a.c 1681 ) 1 ( fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 )