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

I am writing to request the immediate removal of certain account from my credit report, as reported by [ XXXX/Equifax/XXXX ] . The inclusion of these accounts in my credit report is causing significant damage to my creditworthiness and financial standing, and I believe it is inaccurate or has been resolved. 

I have carefully reviewed my credit report from [ XXXX/Equifax/XXXX ] and have identified the following account that require your immediate attention : 1. Account Name : XXXX XXXX Account Number : XXXX Reason for Removal : The contract is null and void due to discrepancy I kindly request that you initiate an investigation into this account and promptly remove it from my credit report. The inaccurate reporting or inclusion of this account is causing undue harm to my creditworthiness, which has had adverse effects on my ability to obtain credit, secure favorable interest rates, and achieve my financial goals. 

I have attached supporting documentation that substantiates my claims regarding the inaccuracies or resolution of these accounts. Please review the enclosed documents and take appropriate action accordingly.

I understand that, as per the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days of receipt. Therefore, I kindly request your prompt attention and resolution of this matter.

Please provide me with written confirmation once the investigation is complete, and the accounts have been removed from my credit report. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of these accounts.

Thank you for your immediate attention to this matter. I trust that you will handle this request with the utmost professionalism and adhere to the guidelines set forth by the FCRA. 

Enclosures : - Supporting documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the account below 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 states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} open balance Opened XX/XX/2022 Placed for collections
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : XXXX
Product: Money transfer, virtual currency, or money service

1. This involved a XXXX transfer from my Wells Fargo checking account to a new payee, in XX/XX/2024. 
2. I filled out the " add payee '' ( online, not in app ). Inadvertently, and I accept, I mistyped the payee 's phone number by one digit, although I entered the payee 's name correctly 3. As a result, when I later went to transfer the funds to the payee ( {$150.00} ) the payee did not receive them 4. I went to check the payee 's details, and from what I could see these appeared correct. I say " appeared '' because when you look at the list of payees Wells Fargo asterisks-out all of the payees phone number except the last 4 digits. Those last 4 digits I entered were correct.

5. From what I can see ( even now ) there is no way of seeing the full phone number of the payee. As WF states in their payee list on my account For extra security, we've hidden some of your contacts ' info.

6. Further, despite requiring that I enter the name of the payee when I create their details, no attempt is made to match the name of the payee and their XXXX account phone number ( a practice I find stunningly bad ; I know from other bank accounts I hold with other institutions where I have set up money transfer, that connection is checked before any money is transferred ). 
7. The net result is that the {$150.00} was taken from my account but was ( of course ) never received by the intended payee.

8. After several to-and-fros I established the problem with the payee directly and transferred the funds to them ; nothing to do with this complaint.

9. I then went to Wells Fargo to attempt to recover my {$150.00}.

10. The bank was ( and remains ) not interested in trying to help. It says it was my mistake, and the transfer was done by XXXX, which is not Wells Fargo. 
11. I put my hand up to mistyping the payees phone number in the first instance. BUT, my complaint involves : a. No attempt by the bank to link the payee name to the phone number, which would have trapped my error before any money was transferred b. The masking of all but the last 4 digits of the payees details, which precluded my double-check of details at the time I initiated the funds transfer c. The total lack of interest and effort by the bank in trying to recover the money once advised of the situation 12. As an aside, I would note that in the past, when larger sums of money were involved, I tested any new payee 's details by initiating the transfer with a {$1.00} ( or similar ) amount to check it was being received as intended, before the main amount was sent. Plainly my bad in not doing so on this occasion ( largely because the amount involved didnt trigger that need ). 
13. While I accept my part in this, I do not accept that the bank, as the vendor to me of the XXXX service, has no responsibility to assist in the recovery of erroneously transferred funds even when, like here, no scam is involved. But, beyond that, the banks practice in setting up new payees makes the potential for erroneous transfers much more likely than if it had in place proper checks and adopted practices I have observed elsewhere in verifying details.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX Dear XXXX Credit Bureau Name ], I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). The account in question is from XXXX XXXX XXXX, with the following details : Account Number : XXXX Balance : {$52.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit grantor 's internal collection department Balance Date : XX/XX/year> Account Status : Not Satisfying Trade Dispute Basis : No Valid Contract : I do not have any contractual relationship with XXXX XXXX XXXX. Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must not use false, deceptive, or misleading representations. The absence of a direct contract between myself and XXXX XXXX XXXX invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. The information reported by XXXX XXXX XXXX, including the balance and status of this account, is inaccurate. Furthermore, the account was reported as " Seriously past due '' without sufficient evidence or verification of the debt. 

Potential Consumer Rights Violation : Reporting this account as derogatory without a valid contract and sufficient evidence may constitute a violation of my consumer rights under the FCRA. The lack of detailed payment history and unclear status updates further questions the legality of this reporting.

Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately.

Please notify me of the outcome of your investigation within the 30-day period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report.

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

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

RE : XX/XX/XXXX Late Payment I am requesting to please remove the delinquent payment that was applied to my credit score for the month of XX/XX/XXXX. The delinquent payment was due to a bank error and not delinquency. The following is the history and background of what transpired. 

XX/XX/XXXX - I made my XX/XX/XXXX online XXXX mortgage payment. On that same day, I made {$4500.00} deposit into my bank account to cover the mortgage payment and any miscellaneous first of the month transactions ( bank account should have been credited {$4500.00} instantly ). 

XX/XX/XXXX - XXXX attempts to pull funds from bank account and is denied due to insufficient funds. 

XX/XX/XXXX - Bank deposits money into account 48 hours late. The bank does not know why this mistake happened as the funds were supposed to be instantly available. 

XX/XX/XXXX - I realize the mistake the bank made in not posting the funds immediately while looking at my bank account online. I promptly correct the issue and make the XXXX payment. 

XX/XX/XXXX - XXXX mortgage payment is made. 

XX/XX/XXXX - Receive credit score alert that my credit score now has a delinquent payment due to our mortgage payment not going through. I quickly called my bank and was furious. They couldnt explain why the check was not automatically deposited into my account as was done several times before. They apologized and promptly refunded the NSF XXXX Overdraft Fees that occurred during that time period ( making my account overdrawn and unable to process the mortgage payment ). They also apologized and said there was nothing they could do about the missed mortgage payment but said to contact XXXX, explain the situation, and show the refunded NSF/Overdraft fees as validation of the mistake. 

My wife and I are both self employed. I am a consultant and my wife owns a restaurant. This is the first time a late payment has hit our credit report. The reason why we had to push our payment till the end of the month was my clients were late paying their invoices and the XXXX is always slow in XXXX. XXXX has very much impacted our finances but we pay our bills and have no desire to apply for forbearance. This payment should have gone through without any issues and its incredibly frustrating! We will be switching banks because of this mess, I understand mistakes happen but this could have major implications on my score for years to come if its not corrected. 

We respectfully and humbly ask for you to remove the late payment on our credit report due to the honest attempt to pay on time ( XX/XX/XXXX ), extenuating circumstances/mistake with our bank, and our flawless payment history. 

Thank you for your consideration. 

XXXX XXXX
Product: Mortgage

My mortgage got transferred to Nationstar Mortgage in XXXX 2015. This company is now accusing me of non-payment and arrears and have reported to the CRAs 15 times for none or late payments. My bank and I have proof of payments on my bank statements. No payments have ever been missed. This company has totally messed up my credit and caused me two years of stress and heartache. I  automatically pay my bills every two weeks without fail. In addition I have contacted the company many times without fail and most of the people are rude and tell me Just pay it! If you get someone who tries to help you, you end up getting another letter threatening to take your home. I cant believe them anymore because they have lied so many times I thing they are scamming.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : DISCOVERBANK - XXXX, XXXX XXXX - XXXX
Product: Checking or savings account

XX/XX/2023 My payroll check was deposited at Bank of America Location XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX No one notified me that there would be a hold placed on my check until the next day essentially stripping me of the opportunity to take my payroll elsewhere so that I can actually pay bills. 

Saturday XX/XX/XXXX, I returned to the same branch to speak with the manage about the hold I was fended off by an additional staff member who didn't even bother to ask my name or any specifics but gave me simple canned responses, basically " there is nothing we can do '' When I asked for manager, I was told they were busy and would not be available to see me until next week. I was told I could call customer service and speak someone there. 

When I called customer service I immediately asked for a manager or supervisor, the representative asked what it was regarding " I replied- I would really would prefer to just speak to a manager to avoid being fielded off the way I was in the branch. I was placed on hold for about 10 minutes the involuntarily disconnected from the call. this happed 2 times back to back. 

The third time I called I asked the representative to please take my number as I have been disconnected twice and no one called back, to which she replied she is not able to take my number because she is not allowed to dial out and call me back if I am mysteriously disconnect again, after an extended wait I was told I there are no managers available and I would be placed in a queue for a callback within three hours. 

I was contacted by a manager named XXXX at XXXX XXXX  PST, who basically told me that she could do nothing about the hold and even after I notified her about regulation CC, and that this is not a reasonable time to verify funds for a check of about XXXX dollars, her reply was the same canned responses that I have been given by everyone that I have spoken to thus far. My next question was can I have my check returned to me that I can actually take my check to be cashed elsewhere, as there unreasonably long hold will cause my unnecessary hardship as I can not pay my bills, and the account that I have with them will also now be overdraft due to the unreasonably long hold. 

None of the people I have spoken can give me a reason for the long hold when a standard hold is 2-5 days. I'm not able to speak to anyone who can do anything about it. I am being given canned responses, essentially, we have it, we're keeping it for 12 days and there is nothing you can do. 

I'd also like to add that the branch manager at the location listed above would not even come out and greet me, never asked my name, no account information to look up, just a caned response, sent to me by another employee and call customer service.
Product: Debt collection

I am writing to formally file a complaint regarding an inaccurate negative item reported on my credit file by Experian. I have reviewed my credit report and found a discrepancy that I believe has been mistakenly reported by the credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times with dispute letters to have this information removed from my credit report. This information has been housed, furnished, and delivered to other companies that are reporting this information without my consent or knowledge. Not only are they reporting it, but it has also been given to other companies outside of my knowledge. This can of reporting I thought is against the FCRA. There are accounts attached to this bankruptcy that being reporting on my report as well.
Product: Credit reporting or other personal consumer reports

I'm contacting you about fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval. I'm a victim of identity theft and have reported this incident. 

This situation is severely impacting my financial status and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide necessary evidence and take legal action if needed to protect my rights and seek compensation.
Product: Credit reporting or other personal consumer reports

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allows XXXX XXXX / XXXX to illegally furnish/ report negatively impacting my credit score. Please see attached of XXXX XXXX admitting to charging a closed account. please see attach photo proof that the account was deleted previously.
Product: Debt collection

I received a debt statement in XX/XX/2024 saying I owed {$390.00} for an over payment to us dept of education. Failure to pay could result in offset of state tax return and social security benefits. I requested proof that an over payment was made. My state taxes of {$75.00} was taken last year for this, I received a form 1098t saying only {$20.00} was received. I received a letter XXXX XXXX  saying my request for a hearing regarding objection to offset taxes would be placed on hold. The following month this appears on my credit report negatively. It was charged off 4 days after sending letter and added to my credit report. Never gave me proof of over payment the amounts are not correct if took my whole state tax return prev year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Con man name XXXX XXXX XXXX DOB-XX/XX/XXXX. 
Has been stealing people identity and con woman to get him personal loans for him. And threatening them mentally and physically abusing them.

I am one of the many victims.

I have a loan for {$6000.00} with navy federal A credit card that is  max out $ XXXX navy federal And many more negative remarks on my credits that are not mine. 

I made a police report last year XX/XX/2019. Ans this items are still there. The more I investigate the more I see how many people have been scammed by him. 

Im XXXX  I cant get a good score credit to move on with my new life. I had to sell my home now I dont have a home. 
Can someone please please help. 

Sincerely XXXX
Product: Credit reporting

Transunion reinserted XXXX accounts that was not verified nor validated. I contacted XXXX and XXXX Both these accounts where removed : XXXX was removed XXXX, XXXX, XXXX and XXXX I assume bought the XXXX account and TransUnion put that account back on my credit when they took it of on XXXX XXXX, XXXX. I checked my credit and both are back on my credit as of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX both accounts were put back on my credit. These accounts were not verified nor validated. Transunion did not verify there method of verification meaning who they actually spoke to or the documentation they have to support there verification. E-Oscar is not valid verification. I asked for validation from both collection agencies and got no response with in the 30 days allotted nor after the 30 days. This information need to be deleted asap.
Product: Consumer Loan

THE HYUNDAI FINANCIAL SERVICES SENT MY ACCOUNT TO COLLECTION AGENCY WITHOUT SENDING ME THE BILL THAT I OWE AND NEED TO PAY TO HYUNDAI FINANCIAL AND WITHOUT GIVING ME THE NOTICE THAT IF I WILL NOT PAY THE BALANCE THAT I OWE THEY WILL SEND IT TO COLLECTION AGENCY. SECOND THE COLLECTION AGENCY NEVER SEND ME ALSO A LETTER OR NOTOFICATION BY MAIL. UNTIL ON XX/XX/2016 I RECEIVED A CALL COLLECTION AND I WAS SHOCKED SINCE I AM NOT AWARE ABOUT THE DEBT. IT WAS A LEASE CAR THAT I RETURN AND THEY ARE COLLECTION THE WEAR AND TEAR AND THE INSURANCE IS RESPOSIBLE IF PAYING AND I DID FILE THE CLAIM. BUT IRREGARDLESS OF WHO IS RESPONSIBLE OF PAYING. THE DEBTOR NEED TO SEND A BILL OR NOTIFATION AND CALL THE CONSUMER
Product: Debt collection

On or about XXXX of 2024, I requested for the company IC Systems to afford me validation of the debt, the owed amount and all related information. The account information I inquired about was pertaining to : ( XXXX XXXX XXXX, with the said amount of {$440.00}. I never received a response in return. I am requesting validation, made pursuant to the Fair Dept Collection Practices Act. Please note that I am requesting validation, that is competent evidence bearing my signature showing I have ( or once had ) some contractual obligations to pay you. Please also be aware that any negative marks found on my credit reports ( XXXX, XXXX and XXXX XXXX ) from your company or a company you represent is a violation of FDCPA., 807 ( 15 USC 1962e ) therefore is you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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.