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

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX  XXXX Dear CFPB, I am writing to formally file a complaint against XXXX  XXXX for XXXX XXXX a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX  XXXX XXXX Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ XXXX XXXX ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

On XX/XX/XXXX  I submitted complaint investigation request # XXXX through CFPB portal that EXPERIAN was reporting my XXXX XXXX XXXX XXXX  account # XXXX incorrectly. I will attach a print out of the report for you to see needed information. As an EXPERIAN paying credit monitoring member EXPERIAN has already sent me my dispute results ( also attached ) You can see they are CLEARLY PLAIN AS DAY VIOLATING MY RIGHTS and not doing ANY WORK ON A FAIR AND PROPER INVESTIAGTION WHATSOEVER!!! First of all as stated in the original report this account is being reported differently to Two out of the THREE CREDIT BUREAUS, so it is CLEARLY INCORRECT INFORMATION!! Also as stated I in the original dispute I had made a payment on the Credit Card under the CARES ACT modification law during COVID 19 which REQUIRES XXXX XXXX XXXXXXXX  TO MAKE MODIFICATIONS and show that I am CURRENT ON PAYMENTS towards my account when we have an AGREEMENT made during said payment resulting in VIOLATION NUMBER TWO! Also, EXPERIAN hasnt lifted a FINGER to do any sort of REAL PROPER and FAIR INVESTIGATION violation number THREE!! They are SO BOLD as to state right in the first paragraph ( ABOUT DISPUTE DETAILS ) that the way they investigated was to contact the original company in other words XXXX XXXX XXXX XXXX  CREDITOR THESELVES!!!!! TOTALLY VIOLATING MY RIGHTS under 15 US C 1681 Section 603 ( 3 ) ( E ) States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. OBTAINED DIRECTLY FROM A CREDITOR!!!!! They have violated so many of my rights and arent putting in any work to do a fair and proper investigation as a matter of fact I see that ALL of my disputes with EXPERIAN are coming back exactly the same, NO WORK on their part, seeking out THE ORIGINAL CREDITOR and also violations my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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. by not reporting my information correctly!! This is my last and final time disputing this before I will be taking LEGAL ACTION AGAINST EXPERIAN for violating my rights!!
Product: Debt collection

XX/XX/XXXX received notification from my employer my wages were being garnished XX/XX/XXXX. I sent a certified letter requesting information of the name of the original creditor, the amount owed to that creditor at the time it was transferred, a copy of the last billing statement, and when the creditor claimed the debt became due and when it became delinquent. XX/XX/XXXX I received a court document with a different attorneys name ( dated XX/XX/XXXX ) and a typed written letter citing original creditor was XXXX with a current stated balance {$10000.00} dated XX/XX/XXXX. I have obtained a copy of all three of my credit reports and indeed there is a student loan from XXXX for a student loan opened XX/XX/XXXX {$10000.00} it was transferred to another lender and closed XX/XX/XXXX my credit report supports I paid as promised 4 years until the account was closed. I filed for a claim of exemption and the attorney sent notice of opposition and a notice to appear XX/XX/XXXX ( memorial day ) when the courts were closed. I did call the court and verify the date, so I would not miss court. The judge would not review my credit report as a character reference.
Product: Mortgage

Dear CFPB Team, I am writing to formally submit a complaint regarding Wells Fargo and the distressing circumstances I have encountered following my previous open complaint XXXX with your agency. My situation has escalated to a point where I believe I am experiencing retaliation from Wells Fargo for voicing my concerns. 

After filing my initial complaint with the CFPB regarding Wells Fargos violations, which have resulted in significant issues such as chronic XXXX, XXXX, joblessness, security clearance problems, and negative impacts on my credit report during my previous forbearance period, I was subsequently notified that my mortgage loan was sold to a company called XXXX XXXX. This transfer occurred shortly after I requested another forbearance due to my recent layoff with all the recent changes going on in government administration. 

I feel this was a setup to ensure I lose my home after the forbearance was approved. I made my complaint in hopes of reaching a reasonable resolution, but I am now terrified of becoming homeless, especially after serving my country in the military and working as a XXXX XXXX XXXX XXXX. The hardships I am facing due to the changes in leadership in the government sector have been overwhelming. I am deeply hurt that Wells Fargo chose to act in such a manner during these challenging times, when all I wanted was a fair and quiet resolution regarding my situation. 

I have serious concerns about XXXX XXXX 's business practices, which I have researched and found to have numerous complaints on the Better Business Bureau regarding wrongful actions, including misapplied funds and premature foreclosures. I fear that my mortgage was sold as a means for Wells Fargo to avoid addressing my legitimate complaints and to retaliate against me for standing up for my rights. 

The emotional and financial toll this situation has taken on me is profound. I do not wish to work with XXXX XXXX, as my findings indicate that their practices may be even more harmful than those of Wells Fargo. I believe this entire situation has been motivated by malice rather than a genuine effort to resolve my concerns. I'm so hurt by all this you're not even allowed to stand up for yourself. There was a Wells Fargo representative that call and reassure me he was the one going to be handling my account the conversation seems genuine to help me and to find a resolution to the situation in turn he hung up the phone knowing he was going to do something like this an retaliate against me for the previous compliment. I know they did this in such a bad time because they knew I am going through a hardship and can't afford a lawyer in this moment. Please call me to help guide me on what I can do about this unfair treatment in so hurt. by all this this has taken a toll on my mental health. 

I urge the CFPB to investigate this matter thoroughly. I am seeking assistance in ensuring that my rights are protected and that I am not subject to further retaliation or adverse actions as a result of Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

We purchased the house in XX/XX/XXXX, United Wholesale Mortgage ( UWM ) was our loan servicer. UWM erroneously paid my next door neighbors property taxes along with mine out of my escrow account, twice. My loan was sold to XXXX in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX sent me an annual escrow account disclosure statement saying there is a shortfall in my escrow account and my new mortgage payment was increasing $ XXXX a month as of XX/XX/XXXX. Obviously that got my attention and after reviewing the statement I noticed the multiple property tax payments. I only have one XXXX at my property. I started communication with both XXXX and UWM in XXXX of XXXX regarding this error, always getting a different customer service rep that is sympathetic but not able to get anything done. Finally in XXXX of XXXX I was able to get one of the payments back into my escrow account. The remaining XX/XX/XXXX payment was made in a large wire and can only be lifted off from the people who paid it, UWM/XXXX I can't get them to do it. To be clear, in your questions you asked if I'm behind in my mortgage payments, I answered yes because that's what XXXX is showing but I make my agreed upon monthly payment on time every month and have never even been late, I just refuse to pay extra because UWM made a mistake. In XX/XX/XXXX XXXX reported us to the credit agencies as being past due which caused our credit score to drop over a XXXX points! Now we're getting foreclosure threatening letters. I need help to get through this corporate world so that someone will listen to me and fix this nightmare that's been going on for almost a year! I hope you can help. Thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN clearly has no respect for congress or its laws. In response to complain number XXXX EXPERIAN claims they reached out to the alleged data furnisher and verified inaccurate information on an account labeled XXXX XXXX XXXX on my consumer report. THIS WAS A BLANTANT LIE AND HAS CAUSED ME DAMAGE. I have proof in the attached screenshots that EXPERIAN did not perform a proper reinvestigation of this account because my most recent consumer report shows this account has not been updated since XX/XX/2018. How did you verify? How did you reinvestigate?
Product: Vehicle loan or lease

My ex wife and I got a divorce. The car was hers. She had it in her possession, she was also on the title, I went to XXXX  during the processing. Now, 16 years later I have a debt collector garnishing my wages. This is a third party debt collector and it is 16 years old. I should not be paying a XXXX on this.
Product: Debt collection

My complaint is concerning Ability Recovery Service, PO BOX XXXX, XXXX, PA XXXX. Ability had been calling me to pay a debt identified to me only as XXXX ID XXXX. To date I have never received anything from Ability Recovery Service in writing.
Ability Recovery Service calls for three or four consecutive days every few months to demand payment. Each time I inform them that they must correspond with me in writing only and if they wish to talk to someone they must speak to my attorney at XXXX Law in XXXX XXXX XXXX, Utah. 

On or about XXXX XXXX XXXX I sent certified letter number XXXX which demanded validation of the debt Ability Recovery Service asserted that I owe. 
I also demanded proof that Ability Recovery Service was allowed to act as a collection agent for their unknown client. The XXXX XXXX XXXX website confirmed delivery to Ability Recovery Service as of XXXX XXXX XXXX. 

As of today, which is 108 days after a representative from Ability Recovery Service signed for my letter, Ability Recovery Service has neither validated the debt nor removed it from my credit files. 

In my letter dated XXXX XXXX XXXX I informed Ability Recovery Service that I will consider their refusal to respond in writing as verification that they are unable to confirm or document their claims. I furthermore informed Ability Recovery Service that this failure to reply within 30 days an acknowledgement that they are not able to validate the debt. 

A debt that is not validated can not be reported to the credit reporting bureaus. Ability Recovery Service must ensure that reports concerning this debt to any and all credit reporting bureaus are removed. The time limit for Ability Recovery Service to have  corrected my credit files expired on or about XXXX XXXX XXXX. As of today it was still being reported on the XXXX, XXXX, and XXXX credit reporting bureaus, none of which will remove it because they all report it as disputed but within the law to report it. 

This caused me real economic harm when I recently refinanced my house, as I did not get the best interest rate possible on my new mortgage. My mortgage broker estimated this cost me upwards of 0.28 % higher interest, which translates to {$25000.00} over the life of the mortgage.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

USAA has locked us out of account now for over 4 weeks. 

USAA can email us statements, promos, other info but mysteriously the allusive security code emails do not come. 

USAAs own IT personnel can not find a solution even provided a verbal password which they verified was entered correctly but alas the account stays locked. 

Account ending in XXXX Member ID XXXX Pin XXXX Last 4 of SSN XXXX XXXX XXXX
Product: Mortgage

My Mortgage was transferred from bank to bank since I'v bought it a few years ago, and I noticed Fraud on their end. They refused to acknowledge it and have begun Foreclosure proceedings on me and my family.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$730.00} XXXX XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance {$670.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$270.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX BRAG XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX SERVXXXXCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with CXXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

To whom it may concern I am communicating with you due to a debt that you are trying to collect and whose debt is not mine I was a victim of identity theft and I do not recognize that account as mine I have not asked or authorized to open that account in my name. Please open an investigation if necessary, due to those accounts opened without my authorization, I have contacted CFPB to help me solve this problem. 
XXXX  XXXX XXXX  {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this because XXXX and XXXX Pursant 15usc 1681XXXX ( a ) did not have my written consent to furnish or report anything outside the permissible purpose and they did not send any required disclosures before they reported some negative accounts XXXX XXXX and Midland Funding of {$460.00} to my file. Futhermore, I sent the debt collector ( Midland Funding LLC ) a cease and desist letter certified mail XX/XX/2022 ceasing all communication with me including my consumer report which is considered a medium ; I demanded for deletion for the accounts because them reporting anything is indirect communication. I cc XXXX and XXXX in my letters and sent certified mail on XX/XX/2022 to both agencies. They are very well aware of the cease and desist letter because it was received XXXX XXXX and they are continuing to break the law as it is a violation of my rights as a federally protected consumer. XXXX and XXXX failure to properly investigate.
Product: Debt collection

I DO NOT KNOW?, I live in XXXX, and after signing up on XXXX, XXXX 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. 
I written to XXXX companies over two ( 2 ) weeks ago and no response, using your cfpb letters. 
I want these wrongful remarks off my credit history.