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

Re : Formal Dispute of Inaccurate Collection on my Credit Report : ( XXXX XXXX XXXXXXXX ) Request for Deletion. I am writing to formally dispute an inaccurate collection which is XXXX XXXX XXXX appearing on my credit report. I respectfully request your assistance in investigating and removing this erroneous collection account under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
The account in question is as follows : XXXX XXXX XXXXXXXX. 
1. Failure to Validate the Debt : According to 15 U.S.C. 1692g ( b ), I requested validation of this debt within thirty days of receiving notice. However, the collection agency has failed to provide sufficient evidence that I owe this debt, such as the original contract or proper documentation proving my liability. Without proper validation, the debt should not be reported on my credit report.

2. Reporting of Inaccurate Information : Under the FCRA, 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. The collection agency has reported erroneous or unverifiable information, which is damaging to my credit score. I am entitled to have this negative information removed if it can not be verified or proven accurate within thirty days of your investigation. 
3. Potential Statute of Limitations Violation : The alleged debt may be outside the statute of limitations for legal collections under California law. If this is the case, the continued reporting of this debt may be considered misleading, unfair, and a violation of the FDCPA ( 15 U.S.C. 1692e ( 5 ) ), as it could be seen as a threat of legal action that can not be legally pursued. 
Requested Action Pursuant to the FCRA and FDCPA, I kindly request the following : 1. A full investigation into this matter, in line with FCRA guidelines, to verify the legitimacy of this collection account.

2. Deletion of the collection account from my credit report if the debt can not be verified or is found to be inaccurate.

3. Written confirmation of the removal of the collection from my credit report. 
Please provide a response within the time frame required by law. I appreciate your prompt attention to this matter and look forward to your swift resolution.
Product: Debt collection

It is claimed I owe XXXX {$820.00} for an unpaid cell phone bill. XXXX then sold my debt to a 3rd party company, how many times I am unsure, but the current holder of the fraudulent debt is Jefferson Capital System. The debt was opened in a state I have never resided in for a company I have never utilized. I have attempted to correct this via XXXX and they have told me there is nothing they can do. I filed a dispute with XXXX and they certify the debt is accurate. I personally do not dispute the debt is a valid debt, owed to XXXX, my dispute is, I am not the person who sought and received the cell phone plan ( debt ). I have reached out to the current company who holds my debt AGAIN on XX/XX/year> to get this resolved and their phone systems are off line via an automated message. The phone number I attempted was ( XXXX ) XXXX, the number provided for the company under the collections tab on XXXX 's website. I have not been able to get the following information : Where was the debt opened up and what date said debt was opened up. As a former member of the XXXX XXXX XXXX, I may have not even been in the country at the time of this fraud.
Product: Bank account or service

I have a Wells Fargo mortgage as well as a couple other Wells Fargo accounts. I had set up the mortgage to Auto-deduct from a checking account, but was going to close that account. I deleted the auto-deduct, but apparently it did n't delete and they charged me a {$25.00} fee for insufficient funds. They refuse to remove this fee even though it was their error. The mortgage was paid ( from another Wells Fargo accout ) on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE can say that they won't handle my case when did they make decisions for the FTC! 


LOOK at my case FRAUD WAS DONE And I want it corrected
Product: Checking or savings account

My father and myself have an account with Santander. On XX/XX/2019. 
I dropped off a check on behalf of my father, XXXX XXXX, XXXX to get deposited into HIS checking accout. My brother and myself are my father 's POA. They took the check, deposited it into MY account by mistake, then in turn blamed me for Financial Abuse/Fraud and called Adult Protective Services, without consulting me or asking me any kind of questions first. The bank knows me well. And knew the situation that we were in the process of doing home repairs. When the Fraud Department contacted me from Santander, they told me ( VIA telephone ) that they retrieved an old POA number on my fathers account. It happened to be my aunt, who is no longer a POA or a Trustee, ( She has since been removed of both ). They had no right whatsoever to do that. On top of everything else, Santander LINKED my father 's and my bank account together. Which yet again, my father nor myself NEVER consented to that. When I questioned why the accounts were linked, they then proceeded to shut down my bank account, without disclosing that to me, and went on ahead and closed my account and would not let me have access to the account again. Thank XXXX I was smart enough to make a few copies of the old account and clearly see them depositng the money into my account instead of my fathers. They made HUGE Mistakes. They embarrassment, humiliation, and stress that my father and myself went through ( and am still going through ) was and is horrible that it was to the point were it physically made me sick.
Product: Credit reporting or other personal consumer reports

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant XXXX I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Product: Mortgage

I went to US bank to get a new debit card ordered. they calimed to have ordered a card for me. I later found out that was a lie and no card was ever ordered. While at the bank the bank manager told me i qualified for a refinance on my home loan. he took some basic information and ran my credit with out my permission. He later told me i did not qualify for the refi that he already stated i did qualify for. He said he could get me loan against my brokerage account. he ran my credit again without my permission. i contacted both him and his underwriter and neither would return my calls. after filing a complaint with us bank about this they sent me a letter saying i was denied a loan. i never applied for any loan. my credit was run without my permisson twice XXXX XXXX 2015 and again on XXXX XXXX 2015. Also how could i be denied a loan for XXXX if i have over XXXX in collateral. im appalled the underhanded way they did business as well as how the manager treats bank customers. the branch manager was XXXX and the branch was us bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX and Phone : XXXX XXXX XXXX XXXX
Product: Checking or savings account

OnXX/XX/XXXX purchased an entire bedroom set from XXXX XXXX. One of the items delivered was damaged and defective - I immediately contacted XXXX to advise - They offered for me to either have the item repaired or keep it for a discounted credit towards a future purchase - not a refund - I objected that I paid in good faith for a brand 'New ' bedroom set that I should not have to have 'repaired ' on delivery. I Also declined the offer for the 'discounted ' credit as I should not have to lose a dime for something that was sent to me defective and I paid in full for it {$260.00} to be exact. I asked them to pick up the item and they refused insisting they had to schedule a repair - I advised my house was not a junk yard and the audacity of them to insist I store junk that they delivered. I returned the item to the XXXX store and brought it in the showroom and advised I would contact my bank. Citibank issued a provisional credit which they have now advised they are reversing because they claim to have requested additional information from me which I mysteriously did not receive. The response from the vendor is false - I did not leave anything outside neither was i offered an exchange. Clearly if I was, we wouldn't be at this point. They noted that they offered an exchange in their response to citibank if I picked the chest back up - That is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS LOOKING OVER MY REPORT and NOTICED YOU GUYS MARKED me late ON XX/XX/2017. ACCORDING TO 15USC 1681 ( A ) YOU are NOT SUPPOSED TO do THIS.
Product: Checking or savings account

In XX/XX/XXXX Citi Bank advertised a deal : " Open account with us for {$25000.00} and keep this balance for 3 month and we will credit your account with {$200.00} '' I transfer to them {$25000.00} in XXXX transaction of {$5000.00} each. 
XXXX transfers went from XXXX XXXX  XXXX XX/XX/XXXX, XXXX, XXXX, and XXXX ; XXXX. 
XXXX transfer from XXXX XXXX  on XX/XX/XXXX. 
In couple of weeks I received a letter, that I broke some rules of Citi Bank, and that my newly established account is closed and that I will receive a check with my funds in 60 days. 
My multiple calls to the Citi Bank for an explanation didn't clarify the situation. 
After 60 days I went to the closest branch ( XXXX XXXX XXXX from my place ) for my money with no avail. 
The XXXX tried to help me and send multiple emails to supervisors with no answers. 
As of today ( XX/XX/XXXX ) not only I didn't earned promised {$200.00} bonus, but lost potential interest on {$25000.00} for 8 month! 
I still do not have my funds back!
Product: Mortgage

On XXXX XXXX my home was damaged by water due to a leak in the hot water heater. The insurance company came out and did their estimate and paid the claim. Wells Fargo is refusing to endorse the last payment of {$2600.00} for me to finish the work on the house. Stating they need a inspection done on the house. This has Taken over 2 months to do.
Product: Credit reporting or other personal consumer reports

I did not consent, or benefit from, or authorize any of the following accounts XXXX XXXX XXXX XXXX XXXX-ACCT # XXXX {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXXACCT XXXX XXXX {$680.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XX/XX/2024 XXXXXXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXXXXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
Product: Vehicle loan or lease

I went to XXXX XXXX on XX/XX/2022 with a pre approval letter from XXXX XXXX. I told the sales rep that I only wanted my credit to be ran through XXXX  XXXX. The sales XXXX XXXX said no problem. The dealership was getting ready to close, the sales rep said XXXX dealership will process my loan on XX/XX/2022. I met with XXXX XXXX who talked me through my paperwork. I stressed a second time, that I didnt want my credit ran with a bunch of companies. He said no XXXX XXXX we ran your credit through XXXX which came back at 14 % ARP. Then he said we tried our finance company that came back with less. I said okay. He told me that I still had the sign the document that had all the lenders listed. But he again said to me, dont worry we are not going to run your credit against those lenders. I started receiving denial letters which indicate that XXXX from XXXX lied and was very deceitful. Those inquiries were done under false pretenses. It was a slap in the face and when I called him out on it, he turned it around and stated you signed the document. How conniving of XXXX XXXX to do that.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting

XXXX IS LISTED ON MY REPORT TWICE- ONCE ASA JUDGEMENT AND ONCE AS A CHARGE OFF- WHICH IS XXXX NEGATIVES FOR XXXX THING THAT HAS BEEN PAID OFF. I NOTIFIED TRANSUNION OF THISTO BE TOLD THE CHARGE OFF WAS REMOVED AND YET AS OF XXXX/XXXX/15 IT IS STILL SHOWING ON MY REPORT.
Product: Checking or savings account

I am filing a formal complaint against DailyPay for failing to deposit my direct payments on two separate occasions from my employer. After a XXXX, despite numerous attempts to resolve the issue, DailyPay has provided me with an inoperable tracing ID number, which raises concerns about compliance with the Electronic Funds Transfer Act ( EFTA ). The EFTA mandates timely access to funds, and this delay has caused financial inconvenience.

This situation highlights a potential breach of consumer protection laws, and I am requesting your assistance in investigating this matter thoroughly to ensure my rights are upheld. 

Thank you for your attention and support in resolving this issue.
Product: Mortgage

I SUBMITTED ALL INFORMATION REQUIRED TO RECEIVE A LOAN ESTIMATE ON XX/XX/21 TO XXXX XXXX XXXX XXXX XXXX ) AND AS OF XX/XX/21 I HAVE NOT RECEIVED MY LOAN ESTIMATE. I BELIEVE I AM BEING DISCRIMINATED AGAINST DUE TO THE LOW PRICE OF THE HOME I CAN AFFORD. I ASKED A SUPERVISOR THAT I WORK WITH ANOTHER LOAN OFFICER BUT I WAS DENIED.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year> I discovered discrepancies in the following account ( s ) : Account Name : XXXXXXXX XXXX Account Number : ( XXXX ) Disputed Information : there are inconsistencies among the XXXX credit bureaus regarding the reported balance, date of last activity, closed date, credit remarks, and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Copies of Driver License, social security, proof of inaccurate and letter to equifax.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} ; XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and Equifax credit bureaus to validate This account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX  and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX  and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor..It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$15000.00}
Product: Mortgage

Loan opened XX/XX/2021, 21st Mortgage who services our loan for our mobile home has not prorated back into our escrow for a change in flood policy.

plus found out our current hazard home insurance policy last 3 years has flood insurance but they forced a lender flood policy on us so basically double policy is in effect and they will not remove their flood policy.

also at purchase, they forced the owner 's policy on us and when I purchased a policy they did not cancel the other policy on our account either.

I have sent certified letters, I have spent hours on the phone with no results.

as of now I have a hazard home insurance policy through them out of my escrow account that also has flood insurance.

I then had to buy out of my own account a new flood insurance policy to get them to remove their lender flood insurance policy off.

but i still have double flood insurance that they insist i carry two policies on flood insurance.

I also do not know why I even have to have flood insurance as our land loan does not require it.

I believe this mortgage servicer is doing illegal buisness plus my policy amounts /cost do not match their escrow detail report cost
Product: Credit reporting or other personal consumer reports

In my previous complaint, I reported a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite filing the complaint, I did not receive any documentation or evidence from the company involved. The company in question communicated with me in a manner that I believe is in direct violation of 15 USC 1692c, which restricts the manner and means by which debt collectors may contact consumers.

I took action by formally requesting the removal of the associated collection account from my credit report due to this violation. However, to date, no response or corrective action has been taken by the company, and the collection account remains on my credit report. 

I am requesting that the company provide the necessary documentation or evidence related to this matter and immediately remove the collection account from my credit report. The lack of response and resolution is deeply concerning, and I seek prompt action to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for XXXX days without pay. I called XXXX XXXX to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following XXXX which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan officer informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my XXXX money deposit. I called XXXX XXXX and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.