23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had an ongoing issue with a travel group called XXXX which is now in mediation with the State XXXX. The policy of XXXX is that the complainant must go through the credit card company first which I did. In this instance that company is Discover Card XXXX. Discover Card XXXX had initially credited my account for half of what I paid XXXX and then took it back the day before XXXX stating the charge was valid, even though I did not enjoy the full value of the purchase. This prompted another complaint against Discover Card XXXX through the CFPB. The first being that they failed to issue any refund at all ... Now. Discover Card XXXX has reduced my credit line from {$9000.00} to {$1400.00} without cause. They cite : Payment relative to balance on your account ( s ) No usable real estate accounts Average time since revolving accounts opened is too recent. But it is important to note that I have several credit cards because I like having cards at a XXXX balance and I just paid off debt significantly as of XXXX 2016 -- so I do n't know what they are talking about when it comes to my balances. I also paid Discover Card XXXX at least twice to the tune of about {$6000.00} or {$7000.00} so I am a very good debtor. I think Discover Card XXXX maliciously lowered my credit rating as a result of my complaints to the State XXXX and the CFPB. How did I go from having a {$9000.00} credit line when my balance was {$7000.00} or {$8000.00} dollars to having a {$1400.00} credit line when my balance is less than {$1000.00} and I am paying down the debt monthly???? The card has literally sat in my desk drawer. This kind of malice is really indicative of what we as consumers saw XXXX 10 years ago with credit card companies intentionally putting debtors into harm 's way through no fault of their own.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would re-investigate my consumer report for the accounts I listed as violating my rights and would respond back within 30-60 days. According to the FCRA the term investigate a consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 
The credit bureaus stated that they updated/verified my accounts based on their investigation but how is that possible if they did not do a proper investigation according to the law? Also after their investigation ever piece of information on these accounts are STILL NOT reporting 100 % Accurate. I have the credit report showing all 3 bureaus reporting. I have placed an x by all of the inaccurate or missing information that shows the discrepancies amongst the 3 bureaus reporting of the following accounts : XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX and XXXX XXXX XXXX  acct # XXXX XXXX 

These accounts are STILL reporting inaccurately and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report or you send me {$1000.00} per violation.
Product: Debt collection

A few years ago someone used my XXXX account to purchase some XXXX products totalling around {$2500.00}. I immediately requested a chargeback from my bank, which was successful. I then enabled 2FA on my XXXX account and disconnected my bank account from it, and I thought it was taken care of. A few months ago a debt collector contacted my by phone and email claiming I owed several hundred dollars on a XXXX debt. There should never have been a debt because the money didn't transfer. Also, I was never even contacted by XXXX about a debt owed. I have since reopened that XXXX account and use it occasionally, and have never gotten any debt notifications. 

This is being reported on my credit as a debt owed and I'm not sure why or how I can remove it. It is being reported on my credit as a debt of {$640.00}, but their collection email said it was {$220.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am in the process of buying a home and recently had my lender pull my credit reports. I was in absolute shock when I realized that XXXX and/or the Department of Education had duplicated several student loans after they were transferred to Nelnet. Because of this duplication, the " Valid '' accounts were getting paid every month, but the " Collection '' accounts were not ( see attached. ) This means that on XXXX only, all of my student loans first accumulated late payments and then eventually went into a Collection status. The erroneous reporting of these accounts caused my XXXX scores to drop nearly XXXX points!! It is also negatively affecting my debt-to-income as each of the collections is over {$1000.00}. 

Per regulations set forth by the Fair Credit Reporting Act, the Bureaus and all creditors must report with 100 % accuracy. The incorrect reporting has not only caused my XXXX credit score to plummet, but it has cost me literally thousands of dollars in interest for creditors that applied high interest rates, as well as placing in jeopardy the closing of my home. If I do not receive immediate remedy I will exercise any and all legal rights I have to recoup the losses I have endured because of this outrageous error. 

I have attached multiple documents : The first is labeled Collections and these are the erroneous accounts that are reporting. The second is labeled Valid and they are the open accounts that SHOULD be on my credit report. When you compare them the Open dates are the same as well as the original loan amounts. I have also attached a screenshot of all 3 credit scores to prove that XXXX is the only bureau reporting the derogatory accounts.
Product: Credit reporting or other personal consumer reports

I am writing to request validation of the debt you claim I owe, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). The account in question is XXXX, which you reported as a charge-off. 

Account name : EXETER FINANCE LLC Please provide the following information : The original creditor 's name and address.

The amount of the debt, including any interest or fees.

Documentation that verifies I owe this debt, including any agreements or contracts.

Any other relevant information that proves this debt is valid.

Until I receive this information, I request that you cease all collection activities related to this account.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

I have a Platinum XXXX card, and I missed paymebts due to unemployment. I contacted XXXX XXXX to bring the account current. I was informed the account was being handled by Alliance One. I contacted Alliance One to bring thr account current. During my first call, I was assigned a representative. The next day I called to provide banking information. I left a voicemail. Thirty minutes later someone else called me back and told me the representative was out sick. I was hesistant and opted to call back. Following, the manager called me back, the same day, and shared thr person was not sick but employed somewhere else. He shared he was the manager and would assist me. I provided him with banking information and permission to deduct XXXX from my account to bring the card current. It was deducted from my account and another representative called to collect payment. I shared that I brought the account current and my next payment was not due until XX/XX/XXXX. This was the predetermined day I shared with the first and second representative. He shared that I needed to pay them becuse I had not made a payment the first one. He shared, " I mean I see your big payment, but you need to pay again. '' I said, " It 's nor due. '' He said, " I 'll just keep calling until you pay again. Why wo n't you pay? You were five months behind before your big payment. '' I told him I discussed it wit the manager and first representstive. I told him he was rude, and he said " well. '' I shared I would call back on XX/XX/XXXX and predetermined. He shared again that they would continue to call until then. I contacted XXXX XXXX to make a complaint. They informed me that a payment was not due for three weeks. The Alliance One representative is XXXX.
Product: Debt collection

On XX/XX/XXXX I received a text message to my number XXXX from Sunrise about a debt. I told them that I am refusing to pay the debt, rather than ceasing all debt collection activities and communications, they continued to contact me, see the pictures attached. I understand this is a FDCPA violation and I could sue and receive a settlement for this violation. Instead, I ask that this please be removed from my credit report.
Product: Credit card or prepaid card

Previous balance on a XX/XX/XXXX statement was {$3700.00}. I made XXXX payments. XXXX for {$1000.00} ( XX/XX/23 ) and the XXXX for {$400.00} ( XX/XX/23 ) before the billing cycle ended. The interest charged was {$46.00} for a XXXX day bill period. On the XXXX page of the bill it states how the interest was charged. They calculated the interest at {$3200.00}. This makes XXXX sense in that my payments before the end of the billing cycle was {$1400.00}. If I subtract my previous balance with when they calculated my interest for the billing cycle it only comes out to {$480.00}. This can not be right given how much I paid on the card during the billing cycle. I called the company ( obviously a call center in XXXX ). The girl on the other line had XXXX idea what to do or say and was mostly just reading off what sounded to be a script.
Product: Debt collection

Hi I noticed CMK on my credit report and notified them to resolve and I was informed they no longer handle my account. I have asked them to remove from my credit report and attempted to contact the company XXXX which informed they dont handle my account. Please see email attached. If they are not handling my account and I am not able to settle with, please remove from my credit report.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

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

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

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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting 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 TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  XXXX Account Number : XXXX Disputed Information : ACCOUNT #, LAST VERIFIED, DETE OF LAST ACTIVITY, CLOSED DATE LAST PAYMENT Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : ACCOUNT # ACCOUNT #, DETE OF LAST ACTIVITY, DETE REPORTED, CLOSED DATE and LAST PAYMENT Account Name : XXXX XXXX Account Number : XXXX Disputed Information : ACCOUNT #, HIGH BALANCE, DETE REPORTED, CLOSED DATE and LAST PAYMENT 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, TRANSUNIONhas 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 : Attached documents : CARTA dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies
Product: Debt collection

I am writing to formally dispute a debt reported by Resurgent Receivables LLC on my credit report, which I was previously unaware of. I believe this entry to be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ), which mandates proper notification to consumers before reporting a debt to credit agencies. 

To date, I have not received any notification from Resurgent Receivables LLC regarding this alleged debt prior to it appearing on my consumer report. Under the FDCPA, debt collectors are required to provide written notice of the debt within five days of their initial contact, including information on how to dispute the debt. I have not received such notification, which constitutes a failure to comply with this requirement. 

If Resurgent Receivables LLC contends that they have provided proper notification of this debt, I request that they provide proof of such notification, including the certified mail receipt with my signature, to substantiate their claim. 

I am serving this letter as both a formal complaint against Resurgent Receivables LLC for their non-compliance with the FDCPA and as a pre-arbitration notice. Should my consumer rights not be respected and this false account is not removed from my credit report, I will be compelled to initiate arbitration proceedings to address the false and misleading practices in violation of the FDCPA and my consumer rights. 

Please investigate this matter and assist me in resolving this issue promptly. I would appreciate a written response from the CFPB regarding the steps taken to address this dispute. 

Thank you for your attention to this matter. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX ( Original Creditor Name 01 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX  Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX , XXXX XXXX XXXX : {$0.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

I was able to buy a house by myself in XXXX with then, XXXX. Depending on the employer, etc I have had struggles over the years, but have remained in my home. Then when I was involved in XXXX XXXX XXXX XXXX XXXXXXXX and was not able to work, I fell behind and requested loan modification from Wells Fargo. While in progress, they sold my loan to a registered investment advisor located in XXXX XXXX, CA. ( XXXX  ) without notice. After living in my home for 16 years, they filed for foreclosure ( during the pandemic in XX/XX/XXXX ) after owning my loan for approximately 90 days. They played the shell game within their multiple companies. The HUD hosing counselor that tried to help me said she has never seen anything like it and I should file complaints against them. I contacted the SEC, and every regulatory body without assistance. I contacted XXXX XXXX office without assistance as well. My complaints to CFPB, FTC & Florida Office of Financial regulation with no actions to support me as the consumer. Even the SEC told me to file a complaint and I have. 
I have submitted numerous complaints regarding Wells Fargo and their practices as my mortgage servicer. XXXX, XXXX, XXXX. When the CFPB fined Wells Fargo, I was told that they were giving Wells Fargo the opportunity to reach out to the affected parties which is inherently a conflict of interest. Wells Fargo has corresponded and acknowledge the misapplication of mortgage payments. Wells Fargo has violated Federal laws and did not apply my payments when received in order to charge late fees. Wells Fargo sold my mortgage to an XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) masquerading as a mortgage servicer ( XXXXXXXX XXXX XXXX XXXX  ) who failed to verify the debt information received from Wells Fargo ( which was inaccurate ). I had an attorney send a request for verification of debt which they did not answer and moved forward to file for foreclosure although I only owed {$1200.00} at the point they assumed the mortgage from Wells Fargo. XXXX They cited that Wells Fargo gave them my records that showed I owed 5 times that amount. I have called Wells Fargo regarding the recent ruling from the CFPB and why I have not been contacted. Why would the CFPB expect the company that broke the law to now contact all affected parties and make them whole. As of today neither the CFPB, nor Wells Fargo has not contacted me regarding the matter.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX 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

This debt has already been on my credit report for 7 years and removed by the creditor. This company claims to be a new owner of this debt and is offering me a deal to resolve it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( XXXX ) has placed erroneous information on my Credit report. The Co-signed l

oans that were included in my Bankruptcy was changed to " Charge Off ''. I have provided proof that those loans were included in the Bankruptcy. The Bankruptcy was discharged on XX/XX/XXXX - which is why the loans for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were included. XXXX fraudulently changed the accurate information. I would like a copy of the " Discharged Debtor '' report that was supposedly sent to NCT in Yr. XX/XX/XXXX.