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

Dear CFPB Representative, Dispute of Innacurate Late Payment Reporting Account reference XXXX XXXX XXXX XXXX. Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for inaccurate late payments based on FCRA specifically 15 U.S. Code 1681 I am writing to file a formal complaint regarding a critical issue with the inaccurate reporting of late payments on my credit report, specifically concerning the accounts referenced with XXXX XXXX XXXXXXXX. Acct. XXXX XXXX XXXX XXXX XXXX Acct. XXXX upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). As outlined in 15 U.S. Code 1681. The reported late payments on the aforementioned accounts are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid these accounts on time, in accordance with the agreed upon terms.

Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late ( Paanl ) based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations.

I hereby request that you provide documented proof supporting the claim of late payments on these accounts, in accordance with 15 U.S. Code 1681i of the FCRA, this proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly.

If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflects its accurate status as Paid as Agreed Never Late. According to 15 U.S. Code 1681s ( 2 ) ( A ) ( 1 ) of the FCRA Creditors and Credit Reporting Agencies are required to report information accurately and completely. Additionally, I remind you that you must conduct a timely investigation and provide a written response within response 30 days from the receipt of this dispute letter, as required by 15 U.S. Code 1681i ( A ) ( 1 ). Failure to adhere to this timeline will be considered a violation of the FCRA.

I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX to dispute the incorrect items. 
2. XXXX failed to remove or validate the items despite my clear evidence and dispute. 
3. I prepared a dispute letter to XXXX XXXX XXXX to request validation.
Product: Mortgage

Dovenmuehle Mortgage XXXX Inc. purchased my mortgage from XXXX XXXX Mortgage. I recieved a notice " Notice of Enforcement Action '' from Washington D.C. XXXX XXXX XXXX XXXX XXXX stating that I owe taxes from XXXX. I sent this notice to Dovenmuehle on XX/XX/XXXX and was told it had been resolved. I then recieved a " Notice of Collection Action '' one month later. It stated that the owed tax amount had not been paid and my account was now going to collections. I sent this second notice to Dovenmuehle on XX/XX/XXXX and they have yet to provide any update or resolution. 

There are over 500 reviews of Dovenmuehle Mortgage XXXX Inc. on XXXX with a 1.3 star rating. Many of the reviews are complaints about tax or escrow issues. Someone needs to hold this mortgage company accountable.
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. 

It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. 

The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

Please be advised that the alleged debt that you are attempting collect is uncollectable for the following reasons : XXXX. Creditor is in breach of any alleged agreement that it claims I am bound by. 
2. Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it.

3. Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud.

4. Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization.

5. Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect. 

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

I have written/se nt 3  certified letters to   XXXX   and Experian o n 3 separate occasions to dispute an inaccurate Public Record/US BKPT CT GA that is being reported on my  credit report. In my letters, I requested   XXXX   and Experian provide me with any and all information that proves/verifies this information belongs to me if the inaccurate  Public Record was not removed. The only information I received after multiple requests for removal of the inaccurate Public Record is an updated credit report stating that the item in question was verified or verified as accurate. I have   never received any supporting documentation on how they verified and came to this conclusion. I feel that MY RIGHTS have been violated as a consumer and I am requesting your assistance with this matter to have this inaccurate Public Record/US BKPT CT GA removed from my report.
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax are reporting my BANK XXXX XXXX account that was opened XX/XX/year> as NEGATIVE, CHARGE OFF. This account is POSITIVE, CLOSED, PAID AS AGREED.XX/XX/XXXXXXXX XXXX has reached out to me and the bureaus to remove the negative charge off but all XXXX continue to report negatively. XX/XX/XXXXXXXX XXXX has sent documentation to all bureaus. XXXX XXXX XXXX
Product: Debt collection

I mailed a certified letter to each credit bureau starting on XX/XX/XXXX, XX/XX/XXXX, and then method of verification letters on XX/XX/XXXX and validation of debt on XX/XX/XXXX followed by Intention to file FTC complaints letters on XX/XX/XXXX. Each letter requested that Synchrony Bank verified my debt according to guidelines, and therefore true verification. NOT a billing statement. Since then, I only have been receiving billing statements from SYNCB/WLMRTD SYNCB/XXXX SYNCB/XXXX
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that I have diligently followed your prescribed dispute process in my attempts to resolve this matter. I have provided comprehensive evidence of the fraudulent nature of these accounts and have made every effort to cooperate with your agency. However, it appears that my efforts have fallen on deaf ears, as the fraudulent accounts remain unaltered. 
It is not an exaggeration to say that this ordeal has become a major source of irritation in my life. These fraudulent accounts are not only inaccurate but also unjust, as they have a direct and detrimental impact on my ability to secure credit, housing, and employment. This situation is not merely an inconvenience ; it is an affront to my financial integrity and personal well-being. 
I implore you to take immediate action to rectify this situation. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you report. When a consumer disputes the accuracy of any data on their credit report, you are legally obligated to conduct a thorough investigation and make necessary corrections. 
I hereby request the immediate removal of the following fraudulent accounts from my credit report : XXXX XXXX XXXX
Product: Debt collection

I have made reasonable attempts in writing to contact this debt collection agency after finding their contact information on my credit reports. I have requested valid documentation to show that this is indeed my debt and I should pay it. I have received nothing except a billing notice with no pertinent information to show what services were provided. I have made an attempt to contact the original service provider and they did not respond to me. I am unwilling to pay a debt I do not owe. Ability Recovery Services are reporting unsubstantiated claims on my credit file. I have given them ample opportunity to resolve this issue with me directly and they have not done so. I am of the opinion that this is a fraudulent attempt to collect monies that are not owed.
Product: Bank account or service

I have XXXX credit cards, a personal checking account and a business account with Navy Federal. My credit card had fallen a little behind due to loss of employment. I started working in XXXX XXXX and had spoken to representatives serval time regarding my credit card accounts. My rent was due, I had recently received an eviction letter from my rental company. My check was direct deposited into my Navy Federal checking account. However when I went online to check to make sure that I had enough money to cover my rent, I noticed that there was {$520.00} missing out of my account. I called Navy Federal to find out what my money was gone, I was told that the money was transferred to my credit card. I begged them to return the money, but I was told the money could not be returned. I advised them that I would be evicted, and my child would not have a place to live. I was denied my money. Then XXXX XXXX, XXXX, again I had my rent money in the account and Navy Federal took it upon themselves to take money from me again and placed it to the credit card again. This should not be allowed to happen. No financial institution should have the authority to take someones money at will.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent letters and proof to the company to let them know that the bankruptcy on my credit report needed to be removed following the evidence and also after being told by the clerks office that they do not report bankruptcy 's to the credit bureaus. I have submitted 2 letters exactly as the federal trade commission has advised me and yet I am still not able to get the accounts as per law. I demand that the bankruptcy be removed as I have provided all evidence required by law to remove said item. Respectfully Submitted - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the public records report to all three major credit agencies. XXXX, TransUnion, and XXXX in which they all stated that the United States bankruptcy court verified the accuracy of the public record, which is inaccurate the United States bankruptcy court, do not report or verify to major credit nor any consumers. I am requesting due to my fair credit act and the inaccuracy of the credit rules in the United States bankruptcy court response. I am requesting that the public record and the items disputed on the public record and deleted.
Product: Debt collection

There is debt in collection from a company that I do n't even know for more  than 800 dol lars. The credit report show the name as AFNI
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

I was contacted for the last 2 years for debt collectors, my family and friends too. they damaged my credit and all my financial services, in the past a I had debts but I worked with a company to paid and be free of that, but unfortunately this company keep doing the same
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and discovered Equifax and XXXX have failed to comply with FCRA guidelines Im asking that these accounts be removed immediately
Product: Credit reporting

Experian continues to deny me access to their online dispute feature. It 's been like this for the past couple of months. 

Each time I attempt to begin an online dispute, upload supporting documents, or gain access through a third party credit monitoring subscription program, Experian redirects me to a message stating " for security purposes we ask that you mail us your documents along with a government issued ID, etc. ". 

That message is getting extremely intolerable for me and I have my personal contact information to update, accounts to claim full responsibility on, account information to correct, and supporting documentation to provide along with it. 

Experian has by far the worst online dispute feature out of all three major credit reporting agencies. 

This must be changed. Surely I am not the only one experiencing this inconvenience. 

Experian expects an individual without a source of income, or available funds to go out to a store and purchase mailing envelopes and mailing stamps. 

I am unable to send Experian my information by mail because I do not have the money to purchase the items necessary to proceed with my dispute they 'd like to have mailed rather than submitted online. 

I would like to apologize to Experian for submitting this complaint against them, but they must realize that some individuals like myself, will not tolerate their delays they cause us with updating, and correcting our reports accordingly. 

I will pursue Experian 's online dispute feature correction of " security issues '' for myself, until I no longer have these error message pop up after clicking the submit button once I 've entered in my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a Credit Collections account on my credit report that is not mine. I have never done business with this company and I have never been sent any bills, notices or paperwork telling me that this is my debt. The account number on my credit is " XXXX '' and the amount on my report is {$240.00}. I need Transunion to delete this account because it does not belong to me. I have a common name and this is not the only time Transunion has reported someone else 's information on my report. I have disputed this with Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To this date, nothing has been done to properly process my dispute.
Product: Checking or savings account

On Tuesday XX/XX/XXXX, I created a account with a company named Bright Money. I was told to put my info in to verify my bank. But nothing is disclosed up front with regards to the membership or how it's billed.

Advertising " {$8.00} a month '' while not directly disclosing they'll charge {$97.00} up front is a blatant lie. 

My issue is with the undisclosed membership fee.
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 items listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  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 remove the following itemscompletely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX XXXXXXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX SXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance XXXX {$190.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$60.00}
Product: Debt collection

Diversified Consultants , Inc continues to call my phone XXXXXXXX times a day trying to collect a debt that is n't mine. I asked them to mail me a certified return-receipt validation of this debt so I could contest it, and they refused. My attempts at explaining this situation to a supervisor were dismissed out of hand, and I was told to pay up or they would continue calling me.
Product: Debt collection

Upon learning this unknown company called my relative inquiring about me and a debt, I received a call on XXXX XXXX, 2016 I spoke with a XXXX and was told she was with XXXX XXXX, a mediation company, in regards to a debt I have with XXXX XXXX a payday loan company. I informed them that they violated the Fair Credit Reporting Act for contacting a relative whom I did not have contact information for let alone on my application to contact nor my persmission to contact the relative. She informed me she got her contact information from a background check and they had the legal right to do so. At this time informed her I was being represented by a firm in which was handling my debt and if they had did a thorough enough background check they would know to contact them and not me nor any relatives in regards to this matter. She refused to obtain their contact information and I also informed her that I would not like to be contacted per my rights. 
I contacted my company representing my debt and informed them of the situation and they needed the company 's contact information as they had not heard of this group and informed to make no further contact and to not accept contact from them. Upon calling to get their contact information I was given to a XXXX XXXX whom stated he was Investment group whom buys these cases to make money, I was being sued by his XXXX at XXXX XXXX and the true company Sullivan Assest Management has already filed on the case yesterday after my call and if I wanted to settle or make payments it would be through his XXXX XXXX XXXX and refused to give his address or contact information. I was informed to call XXXX XXXX, whom would say it was sold to XXXX, in which XXXX would send me to XXXX XXXX which is Sullivan Asset Management and that my firm I was working with has nothing to do with this matter and is nothing but a waste of my time and money. That I do not need to utilize them or gain their authority to make a deal now or I will be getting sued and that he could see that I 'm on a fixed income and the judge would make me pay about $ XXXX {$90.00} a month and I have to take care of it or I will be getting sued because he only bought my case and plenty of others for the money off of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX. XXXX XXXX. XXXX XXXX. 
XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX. 
XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. These accounts need to be deleted from the credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 

1. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Was never late 2XXXX Account Number : XXXX Was never late 3.XXXX Account Number : XXXX Please remove it from my credit report.

4.XXXX Account Number : XXXX 5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6.XXXX XXXX XXXX  XXXX Account Number : XXXX Was never late 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, credit repair services, or other personal consumer reports

15 U.S. Code 1692g - Validation of debts Account # XXXX Recently I settled my debt with XXXX XXXX XXXX Prior to me settling the debt I was told that if I pay the full amount of what is owed XXXX XXXX would remove the collection from my credit report. Attached below is my XXXX  receipt. I paid approximately 30 days ago. It is still reporting on my credit report I will like for it to be deleted and removed.
Product: Mortgage

From XXXX until XXXX Wells Fargo miss handled my mortgage. They lied, cheated and misused my money. Wells Fargo forced me to file bankruptcy to stop the foreclosure process on our home. Agreed to fix problems they caused but never did. Cheated me out of thousands of dollars and added tens of thousands of dollars to my mortgage balance when they said they were helping me.