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

Dear Credit Bureau, I am writing to dispute a false collection account XXXX XXXX XXXX XXXX # ( XXXX ) that is currently appearing on my credit report. This account has been inaccurately reported and I am requesting that it be removed immediately. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that all information appearing on a credit report be accurate and up-to-date. Furthermore, the FCRA requires that all disputes be investigated within 30 days. 

Additionally, I have been having an issue with the manner in which your collection agency has been attempting to collect the debt. Your representatives have been constantly harassing me for payment. Calling me during work hours and late at night, and I feel that I am being treated unfairly. This behavior is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that you immediately remove this collection from my credit report, as well as cease any further attempts to collect the debt. 

Please contact me within 30 days to confirm that this matter has been taken care of. 

Sincerely, XXXX XXXX
Product: Mortgage

A foreclosure sale is set for this week. I have been awarded the family dominical that I live in and I have the Divorce Decree which states that. The bank will not cooperate in processing a transfer despite me forwarding all the proper documentation and applications correctly. The bank will not discuss the case with me. The bank has sent my mortgage to other banks during the process and has made it very difficult for me to fund an Attorney to organize release paperwork. I have XXXX Children and I rent an apartment to my elderly mother. All I want is to continue to be a good farther and son, maintain the family home properly, and pay the mortgage. My name is XXXX XXXX, the address is XXXX XXXX XXXX, XXXX, MA XXXX, phone XXXX. Loan is # XXXX with IndyMac Bank, XXXX Bank, XXXX Bank. All I want to do is pay the mortgage payments in my name and I have never been allowed to do so. I am a good farther and provide for my children daily and at the ages XXXX, XXXX and XXXX just getting over divorce. Loosing the stability of their childhood home could be threatening to their future. Also, displacing the my elderly mother a wonderful tennant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX EQUIFAX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX, XXXX XXXX with account # XXXX and a balance of {$1300.00}. The original creditor is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Secured loan with account # XXXX opened on XX/XX/XXXXXXXX XXXX Charge account with account # XXXX, XXXX XXXX with account # XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair act credit reporting act whenever a consumer reporting agency prepares a consumer report it shall be follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whon the report relates. 

Creditor Name : Original Creditor : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Creditor Name Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Can you look in this matter Delete these accounts of my credit report.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS CLAIM TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to lease a new car at XXXX XXXX in XXXX, GA. I informed the salesman of the terms I was looking for and that I want to do the transaction under my company. 
I selected the car and negotiated the price. A personal credit application was handed to me to fill out ( I found out later it was supposed to be the credit application as a guarantor of a lease ). They ran my credit, submitted the inquiry. I was asked to unlock both Transunion and XXXX  credit bureaus accounts. They obtained a report and credit gets approved. While signing paperwork, I realize the paperwork being signed was for a personal lease, not for my company. The financial officer corrects the paperwork and I drive home with my new vehicle. Some days later I am asked to unlock my credit again as they made a mistake and it is required for them to make a second inquiry. I tell them they already had one from both Transunion and XXXX  and it should be enough. The financial manager calls me and insists. He elaborates and states it will not be an inquiry made, I asked him to put that on an email. After receiving the correspondence I trusted him and went ahead and unlocked my accounts for a second time, sure enough a second inquiry appears on my credit report. Obviously they lied to me to fix their mistake of submitting a loan as personal where it was supposed to be for a company. My credit report should not have been checked twice and I should not have another inquiry on my credit reports.
Product: Checking or savings account

On XX/XX/2024 Bright Money took an unauthorized withdrawal from my bank that I had discontinued with them and switched to my other bank account which in turn overdrawn my bank. They withdrew {$39.00} and I had a {$30.00} overdraft. They stated they would get my refund back to me and on that same day. It is now XX/XX/2024 I still havent gotten a refund nor will they give me any information about it. I have also gave them every bit of information they need and in a timely fashion to issue the funds back, but they never submit this information into their system. I stated I would like to be compensated per day until this issue is fixed for my pain and suffering this has caused but they are refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX consistently does not report accurate information. The current balance is {$11000.00}. this needs to be updated and I will continue to complain until they do what is promised in the contract and consistently update paid status. This company is not a listed company on the credit union complaint site. Their information is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX
Product: Debt collection

i recently i filled a complain this company that has been harrasing me for years know they responded that debt is valid and also said " XXXX XXXX XXXX has made many nuisance complaints over the years : which only shows what kind of company this is the fcra states that C. Consumer reporting agencies may not report outdated negative information. 
In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old which this company is in clear violation of please see attachment please help me stop this company violation of my rights since my last complain # XXXX not only have they not removed there illegal reporting but also reported me again to XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent Debt : XXXX XXXX  Opened XX/XX/year> {$26000.00} My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Delete immediately
Product: Checking or savings account

I have been calling/mailing the form and going back and forth with CitiBank for over a month now. I simply need the funds to be transferred to another institution. 
Now the CitiBank is saying that they can not transfer the funds because the account XXXX XXXX number is not correct/indicated on the form! NEITHER THE ACCOUNT NUMBER OR SOCIAL SECURITY NUMBER WAS REQUESTED ON THE FORM!!! IS THIS WHAT CITIBANK DOES TO KEEP CUSTOMERS MONEY FOR A LONGER PERIOD OF TIME SO THEY CAN PROFIT OFF OF IT??? 
Can you PLEASE have someone look into this IMMEDIATELY! 
The Retirement Line phone number I've been calling at CitiBank is XXXX and speaking with XXXX, XXXX and XXXX. 

Please contact me at XXXX or XXXX as soon as can and if you need any further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a Company 's Response in regard an existing problem with a 30 day late reporting to all Credit Bureau ( XXXX  ). 

Company response states I made severals payment to my account and they were returned due to an stop payment from my Bank end. After realizing my account balance was too high since all payment were returned and there was an Stop Payment I decided to work with a Consolidator. Company states my account was under " Working with Consolidator '' status but also stated they don't work with consolidators. So, why was my account under " Working with consolidator '' status? It only make sense to keep account as current till a payment is made NOT putting it under certain status and stop me from making payments to it. 

Company states it was my responsibility to make a payment before XXXX the XXXX, even tho my account was taken under " Working with Consolidator Status '' on XX/XX/XXXX. How am I gon na be able to know my account was accepting payments on XXXX the XXXX? Company also FAILED to mention I tried to make a payment over the phone on XX/XX/XXXX when I called costumer service and was advised of such rejection to work with consolidator. I asked the representative to take the minimum due payment of {$120.00} and she told me she couldn't take it until the account were taken under such status. 

My intentions were pretty clear, Please accept my payment or wait until I'm able to notarized the letter so you can accept payments. Discover Bank FAILED again to do so by not getting back to me that same day the account was back to normal and as result a 30 days past due was added to my credit report. 

I kindly ask the company to correct the error or I'll be looking legal advice as I'm working with Attorney General XXXX XXXX from the State of California Department and Justice. 

Previous Company Response Attached.
Product: Credit card

I'm traveling XXXX, with my Wells Fargo CC tied to my travels. Logged in to my account this morning and both of my cards are frozen and accounts have been closed without notice.
Product: Vehicle loan or lease

Im behind on my truck payment due to XXXX and they are charging me 29.8 interest rate am want refinance it
Product: Credit card or prepaid card

I recently had a card go to a charge off. I had been very diligent at keeping the bill below 180 days. I called Capitol One to set up my XXXX payment and was told it was due XX/XX/XXXX which the agent set up the payment for me. Upon logging in to set up my XXXX payment, I found the account had been charged off. I called and was told that they do not post or run payments on the XX/XX/XXXX ( XXXX XXXX ) I explained that was set up by their CSR. I was put on hold while they researched my claim. The lady came back on the line to tell me I was correct in all that I had stated that it was not my fault that the debt was charged off. The error was made on their end when the CSR set up my payment on a day that is a US Holiday and not worked. I was told that they would immediately be removing the charge off along with any history of this card from my account and from my Credit report. I spoke to XXXX ( spelling? ) and her agent # XXXX. She assured me this would no longer be in my credit history. I repeated to her my understanding of what she had told me, she said correct and I had the agent then repeat herself again. She also said I would receive such correspondence in the mail, which I did. ( letter is attached ) Now 2 weeks after the first letter, I have received a second letter from Capitol One now stating that they have investigated my claim of a dispute and have found that their information is correct and the late status and charge off will remain on my credit report. 

I take issue with Capital One because : ( 1 ) The creditor failed to inform me that the payment would not be processed in a timely manner due to the holidays ; and ( 2 ) The creditor acknowledged their mistake and made an agreement by phone and in writing, to remove the charge-off and account history.
Product: Mortgage

My XXXX took out a second mortgage on this house in 2008 with XXXX XXXX  XXXX. Select portfolio services bought I am assuming the second mortgage from XXXX XXXX XXXXXXXX. I threaten me with foreclosure on my house if I didnt pay up. I made an agreement that I would pay set amount am I cant be satisfied which they agreed. After I filled my part of the deal they told me I still had an outstanding balance of almost {$7000.00}. They keep calling me harassing me threatening me to take me back to court. They really took me once almost took my house. Thats why I made the agreement now they doing it again with lawyers. they keep blaming letters making calls with threats and pressuring me. Now this second loan was done in 2008. I believe the statue limitations were way overdue. I made a payment. Ive almost {$7000.00} so I can resolve this issue but they keep pursuing the matter is very harassing. To receive calls throughout the day and letters every other day. I never consented four select portfolio services to take over the dead.
Product: Debt collection

This debt was reported on my credit after I already advised the original creditor that it was not my debt and fraud since I had no longer lived at this residence and I never signed a contract I advised them that it was fraud and they never reported it But sold it years later to Credence who report on my credit with no contact or mail This is causing great harm to my credit when it was fraud on someone elses part,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information contained within my credit report, which I obtained from your agency on [ XX/XX/year> ]. Upon reviewing the report, I discovered inaccuracies that are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( B ). 

The inaccurate information pertains to charged off accounts that have been deemed income according to the IRS. By law charged off accounts can not be reported as debt on my credit report. Each credit failed to properly document these items, therefore they must be removed from my report. This information is incorrect and does not reflect my financial history accurately. 

Under 15 USC 1681 ( e ) ( B ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. The presence of inaccurate information on my credit report not only violates this provision but also undermines my ability to obtain credit on fair terms. 

I respectfully request that you investigate the disputed information and, if found inaccurate, remove it from my credit report as soon as possible. Additionally, pursuant to the FCRA, I request that you provide me with a free copy of my corrected credit report once the investigation is complete.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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: Debt collection

XXXX on behalf of XXXX XXXX has been calling my home and employment using several phone numbers as follows ; XXXX XXXX as HFS. I have proof that debt was paid for and my XXXX paid the rest. They have ruined my credit and harrass me all day.I have health insurance and this matter was resolved and the service i received was by XXXX XXXX XXXX who provided me with professional courtesy.I need them to sto and repair my credit.
Product: Debt collection

I have been reaching out to this company multiple times a day I have been hung up on and told to contact a email. I have not received a call back/ email back. Debt has been paid in the amount of {$2700.00} on XX/XX/year> through XXXX XXXX. Please have this removed from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA # XXXX is still reporting on my credit report when it was supposed to be removed XX/XX/2021.