23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I am unaware of this alleged debt that the Credit Collection Service stated I owe them in the amount of {$89.00} that I supposedly opened with them XX/XX/XXXX. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) .XXXX XXXX XXXX Account XXXX Must be deleted XXXX ) .XXXX XXXX XXXX XXXX Account XXXX Must be deleted These are Fraudulent accounts and are reporting on my TransUnion credit report for more than XXXX years. By law, credit bureaus are only allowed to list negative items for only XXXX years. These accounts Must be DELETED NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, XXXX XXXX placed a derogatory report on my credit report. The company reported to TransUnion that my account was late for payment and shows as a charge off on my credit report with TransUnion. The account for XXXX was discharged in Chapter XXXX Bankruptcy in XXXX of 2020.
Product: Mortgage

The Carrington mortgage servicing department, has created this problem. The first item which happened was the company placed me on the certified funds only payment plan. It takes two returned items to be placed on this list. The first time was substantiated to be a bank error approximately XX/XX/19, yet Carrington mortgage servicing choose to apply this to my record. Then I was told not to make a payment during a refinance process. So I set up a promise to pay on XX/XX/19, and there were not instructions to stop the direct payment when doing this process, at least in an area readily seen when doing this process. This process resulted in a 30 day late notation on my credit. So Carrington mortgage servicing department told me I need to western union my payments, this was an immediate posting process according to Carrington, and for a few payments it was. So with their actions another payment needed to be made due to another error in the refi process at Carrington mortgage, I had to make another payment via western union ( which I shouldnt be doing anyway ) which was made on XX/XX/19 and Carrington is posting on XX/XX/19, resulting in another 30 day infraction. This being said I attempted to resolve these issues with Carrington mortgage servicing department with extreme resistance on every level the errors were made. Carringtons actions have resulted in extreme issues further damaging my credit.
Product: Mortgage

I have a mortgage loan through Wells Fargo. I will admit there have been plenty of times I have been behind on my mortgage and this mortgage company have been very patient ; however, I want to begin a fresh new start by providing principal payments when I make a mortgage payment. On XX/XX/ I paid XXXX mortgage. On XX/XX/ I went into a Wells Fargo branch to make a {$500.00} cash payment ; I attached proof of this to this email request. I have called wells Fargo three times requesting a revised account summary with the principal payment showing on my account summary for my personal proof ; for some unknown reason a new account summary have not been created. The most recent account summary statement is dated XX/XX/. My most recent calls to them was today XX/XX/. Would you please assist me in trying to obtain a new revised account summary for me. Thank you.
Product: Credit reporting or other personal consumer reports

Experian ( or XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience.

I previously disputed the following information on my Experian credit report, inaccurate balance, unverifiable account ] Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

3. Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing a complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPB. 


I look forward to receiving a response within 30 days, as required under the FCRA. 

Sincerely
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to bring to your attention the matter of certain accounts associated with my credit profile, which I believe have exceeded the permissible reporting time limit as stipulated by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, Section 605 ( a ) ( 4 ), the maximum period for which certain negative information can be reported on a consumer 's credit report is seven years. This provision specifically refers to adverse items such as late payments, charge-offs, and collections. I have recently obtained a copy of my credit report and noticed that the aforementioned accounts have exceeded the statutory reporting period.

Furthermore, I would like to draw your attention to the legal consequences of willful and knowing violations of the FCRA, as outlined in 15 U.S. Code 1611. This section establishes criminal liability for individuals or entities that willfully and knowingly fail to comply with the FCRA 's XXXX. The penalties for such violations can include fines and imprisonment. 

XXXX. XXXXXXXX XXXX Account # XXXX or # XXXX or # XXXX Please delete or seek litigation XXXX. XXXX XXXX XXXX XXXX Account # XXXX or Account # XXXX Please delete or seek litigation XXXX. XXXX XXXX XXXX Account # XXXX Please delete or seek litigation In support of my position, I would like to reference the legal precedent set in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). This case serves as an illustrative example of the legal consequences that credit reporting agencies may face if they continue to report information beyond the permissible time limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT OWN THIS ACCOUNT IT WAS ADDED DURING A CYBER THREAT DATA BREACH I NEED I REMOVED FROM MY CREDIT REPORT.
Product: Vehicle loan or lease

They closed the account and saying I still owe when on the back of the contract it states my obligations were secured with a security interest.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$2300.00} XXXX - XXXX - {$15000.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Also Known As XXXX XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known XXXX XXXX XXXX XXXX Current Address XXXX es XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX
Product: Student loan

I was cheated on my education at XXXX XXXX, they did not explain how much I would be in debt from my loans. They do not tell you exactly about who and what they are signing you up to for loans, they just want your signature and get their money. The education they gave me was not worth the time or money they described in the recruitment. The materials were not up to date. A lot of times classes were canceled or textbooks were out of date. Many teachers were not qualified in the classed they were teaching.
Product: Credit card

Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Formal declaration dated : XX/XX/XXXX Formal Notice : Refusal to pay a debt. 
Reason : Identity Theft, account isn't mine. 
Notice : Under XXXX XXXX XXXX Regarding Accounts : XXXX ( Business ) and XXXX ( XXXX ) and any other associated accounts. 

Dear XXXX, I, XXXX XXXX XXXX XXXX declare my refusal to pay, exercising my right under US law XXXX specifically 15 USC 1692cc . Despite multiple notifications and formal declarations, Capital One persistently reports fraudulent account activities associated with my identity. Accounts starting with numbers XXXX and XXXX, erroneously linked to me, remain on your records despite originating in XXXX. I discovered these discrepancies in XX/XX/XXXX. 

I demand an immediate cessation of all communications and reporting regarding these fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ), particularly violations under sections 1681 i a-5 and 1681 e-b. Furthermore, I remind you of the provisions outlined in 15 USC 1692cc of the Fair Debt Collection Practices Act ( FDCPA ), which mandate the termination of communication upon notification of refusal to pay a debt, including reporting to any credit bureaus. 

Additionally, I implore Capital One to comply with 15 U.S.C. 1681c-2 by implementing measures to block information resulting from identity theft. Furthermore, an examination of late payments under 15 U.S.C. 1681a ( 2 ) ( 1 ) exclusions and verification of permissible purposes under 15 U.S.C. 1681b are urgently requested. 

Failure to adhere to these demands will result in further legal action. Please acknowledge receipt of this notice promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO XXXX Email : XXXX XXXX
Product: Debt collection

COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} This item is was paid in full it is also over 8 years old. I have contacted the agency asking for proof of debt but have not received any correspondent. They are in violation of my rights per fair reporting act
Product: Credit card

This is regarding the transition of the XXXX XXXX XXXX card to the Citi Costco product. 

1 ) Upon activating my card, I found out I am past due though no statement was sent to me. Hard for me to pay a bill that I never received nor have an address to send a payment too. 

2 ) A few days later, I got 3 calls from their collections department during working hours on my cell phone. The first two times, I was busy do did n't pick up and there was no message. The third time I did pick up and had a very unhelpful conversation with CS associate. He did alert me that I was accruing finance charges until I pay. At this point, I still have n't received the paper statement, getting multiple calls from Citi harassing me for a payment and told I was still getting finance charges because I 'm late ( though no late fee ). Had to call and fight all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XX/XX/2019 amounts N/A I don't recognize this inquiry and I tired contacting Syncb ( XXXX XXXX XXXX/XXXX/XXXX XXXX ) but all i got was a run -around from them. I just want them to removed from my hard Inquiry.
Product: Debt collection

I am writing to dispute the existence of a fraudulent account on my credit report, and I am formally requesting the immediate deletion of this inaccurate and damaging information. It has come to my attention that despite the successful removal of the same fraudulent account from my credit reports with other bureaus, your bureau continues to list this account, adversely affecting my credit history. 
XXXX XXXXXXXX & TU have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I kindly request that your bureau conducts an expedited and thorough investigation into this matter and promptly removes the fraudulent account from my credit report. The persistence of this inaccurate information is causing significant harm to my creditworthiness, hindering my ability to access credit on fair terms. 
I understand that under the Fair Credit Reporting Act, it is the responsibility of credit reporting agencies to ensure the accuracy of the information they report. I trust that your bureau will handle this matter with the urgency and diligence it requires.
Product: Debt collection

The accounts Portfolio Recovery is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.
Product: Credit reporting

EQUIFAX is in violation of Fair Credit Reporting Practices by not verifying the contracts submitted to be reporeted. This is in Violation of Section 609 of the Fair Credit Reporting Act.
Product: Credit reporting

Transunion glitch removed all of my inquiries from my credit report in XX/XX/XXXX and put them back on there. I contacted them and faxed them a copy of my credit report before and after and they have not removed the inquiries from my report.
Product: Credit reporting or other personal consumer reports

These inquiries on my accounts are not accurate I am writing to formally dispute several inquiries on my credit report that I believe to be fraudulent. After reviewing my credit report, I have identified unauthorized inquiries that I did not initiate or authorize. 


I have not applied for credit or engaged in any financial transactions with the aforementioned companies on the specified dates. It appears that my personal information may have been compromised, leading to these unauthorized inquiries. 

I request a thorough investigation into these matters and kindly ask that you promptly remove these fraudulent inquiries from my credit report. As per the Fair Credit Reporting Act, I am entitled to accurate and fair reporting of my credit history. 

Enclosed with this letter, please find copies of supporting documents, including any relevant correspondence and evidence that substantiates my claim of fraud. I also request that you provide me with a written statement once the investigation is complete, outlining the actions taken and the resolution of this dispute. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute efficiently and take the necessary steps to rectify the inaccuracies on my credit report. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

To whom it may concern, Im writing you today my concerns of Zelles mishandling my disputes. On numerous occasions of using Zelle Ive reported discrepancies and had proof. I was told when proof is needed it will be asked for. Proof was never requested and account was closed with all my funding while my birthday was two weeks away. Had no money to pay my bills or feed my child due to this inconvenience. I also never received any notice until the day of the account closing which was handled poorly for a loyal customer of 15 plus years.
Product: Credit card

On XXXX XXXX, 2015, when I went to my credit card 's website to pay the monthly bill, on the date it was due, the website was down, and I was not able to pay my bill until the next day. This made my payment XXXX day late. 
The credit card company then added a late fee to my XXXX bill. 
In XXXX, I payed the monthly bill on time, paying the minimum amount that would have been due without the late fee, because I believed that the company should not have charged a late fee, when their website had been down at the time that I tried to pay my bill in XXXX. I expected the credit card company to have realized that their website was down, and to drop the late fee. 
Now, the credit card company is claiming that my XXXX payment is past due, because the wrongly assessed late fee is past due. And they are adding XXXX late fees to my XXXX bill. 
My complaint is Twofold : A ) The credit card company charged me a late fee for a bill that I was unable to pay on the due date because their website was down ; B The credit card company is charging me a late fee on a late fee, when I paid the regular minimum amount due on time in XXXX, 2015.
Product: Vehicle loan or lease

BMO Harris P.O. box XXXX XXXX XXXX IL. 
XXXX We have a car loan through BMO Harris. 
They refuse to provide any paperwork or provide Internet information on the loan. 
We wanted some sort of overall proof of payments made and charges over the course of entire loan. 
They refuse to provide any information to us. 
There is most definitely some fraudulent activity going on here.
Product: Credit card or prepaid card

Hi, I have a dispute with Capital one CC  company, my account number ending in XXXX, original dispute XX/XX/23, complaint filed with Michigan Attorney General. I did a FULL balance transfer of {$210.00} AWAY from Capital 1, the balance transfer overlapped my due date by a few days and Cap 1 charged my account a let fee plus interest. I refused to pay a late fee plus interest on a balance transfer. I filed a complaint with Capital 1 and they did NOTHING to resolve the issue. This went one for 3 months as I refused to pay it ( which also reflects on my credit ). It was only when I filed a complaint with Michigan Attorney General that Capital 1 took steps to resolve the problem. 
Per Capital 1 's resolution letter to me ( XXXX XXXX ), they " credited '' my account back the {$150.00} ( all of this was late fees and interest after PAYING OFF my balance ) which they should have never charged me in the first place. 

Now, I have to file another complaint to have this removed from my credit report. Plus they never closed my account like I asked them too. 
...... 
Even though the dollar amount has been resolved, I'm writing you because this NEEDS to be reported. 
Thank you, 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 15 USC 1681. 
# XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  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, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX/XXXXXXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am wanting these inquiries to be deleted because I did not authorize these companys to run my credit this is fraud
Product: Payday loan, title loan, or personal loan

Took a loan for {$3100.00}, 1st payment XX/XX/XXXX. Automatic draft. Paid on time {$350.00}. Paid 9 months. I checked balance of loan 9mos later, XX/XX/XXXX and was was +-XXXX higher and said pmt was late -NEVER ... WAS ON AUTO DRAFT SINCE 1st pmt. THEYRE EITHIR INCOMPETENT IN BOOKKEEPING OR  INTENTIONALLY GOUGING CONSUMERS. I RESEARCHED SCAM REPORT WEBSITE _ THEY HAVE NUMEROUS OTHER SIMILAR COMPLAINTS. 

These type of outfits need to be SHUT DOWN ASAP to protect the public! 

I have documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell/Text : XXXX XXXX Count the payments already made {$350.00} times 8 Mos pmts against the principal.
Product: Student loan

FedLoan Servicing made an error in processing my application for Public Service Loan Forgiveness. I have more than the total 120 qualifying payments made while working for a qualifying employer. I submitted a form in XX/XX/XXXX verifying my employment, with the same employer since XXXX until present. The form was processed, but the processor marked all payments made during the XXXX  year ( XXXX payments ) as still needing employment verification, even though the prior and more recent payments were all accepted as qualifying and verified. I called FedLoan Services to try to resolve the issue, and sat on hold for nearly two hours just waiting to talk to a representative. Then, the representative said she didn't want to spend half an hour going through all of my paperwork and she would submit the issue for review. They could not provide information on when I would receive a response or the time frame for review and were not willing to correct the issue at the moment. I asked to speak with a supervisor and was told I'd have to wait at least another XXXX hour or XXXX minutes and they wouldn't do anything to help me anyway. I am very frustrated, as it took XXXX  months ( XXXX - XX/XX/XXXX ) to review my application for PSLF and provide a response in the first place, and now I have to go back to sitting in line for an undetermined length of time in order for them to resolve an error on their part.