23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn : Consumer Financial Protection Bureau XX/XX/2023 To Whom It May Concern, This letter serves as a formal complaint that you are repo inaccurate and incomplete information on my credit report. The notation of the following late payments and multiple accounts is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. I have provided proof from the financial institution that there were only two accounts paid off and the other accounts are reported incorrect with no late payments. 
In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAADL status ( Paid As Agreed, Never Late ) according to consumer protection laws I am in total disagreement with your investigation response. 
Dept of EdXXXX : XXXX - {$25000.00} please list account as PAADL. 
Dept of EdXXXX : XXXX {$1300.00} please remove account. 
Dept of Ed/XXXX  : XXXX - {$5500.00} please remove account. 
Dept of EdXXXX : XXXX - {$1300.00} please remove account. 
Dept of Ed/XXXX : XXXX - {$12000.00} please remove account. 
Dept of EdXXXX : XXXX - {$200.00} please remove account. 
Dept of EdXXXX : XXXX - {$1300.00} please remove account. 
Dept of EdXXXX : XXXX - {$100.00} please remove account. 
Dept of EdXXXX : XXXX - {$520.00} please remove account. 

Furthermore, I demand that you provide actual proof that the information was verified, not a computer-generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers for information.

3. The method of communication you used to verify the information.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law. 

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

To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX  if the consumer has provided trafficking documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, ( Your Name )
Product: Mortgage

On XX/XX/XXXX I started the loan application process for a loan. I closed on the property on the XX/XX/XXXX. The drama that ensued in that time period was monumental. I will indicate a few things in this drama. The loan officer was so incompetent. I had to restart the loan application process 3x because he wasn't able to find the application online. Due to his incompetence it delayed my closing date and this causing me to live in a one room shabby motel with my family for three weeks! Also because he never looked closely over my application he missed that I had a forclosure. The application for the conventional loan was now null and void. I had to reapply for a FHA loan, which also had points, so my loan was larger and I was in a loan with XXXX. If I had known I was going to be in a FHA loan I would have waited to apply for a loan after my seventh year which was in XXXX. Unfortunately by the time the discovery was found my offer for a home was accepted and I also agreed to put down {$10000.00} on the home, if I didnt go through with deal I would lose the money.No apologies from him. Just recently long after closing on the house and moving in, he asked if we had a document that we sent him a long time ago to provide him with because once again he misplaced something from my file. Today XX/XX/XXXX I got a letter dated XX/XX/XXXX from the bank that they don't have any proof of home insurance, which once again I provided to him on XXXX lack of customer service across the board with Santander Bank is truly unbelievable. I regret with everything in my heart I applied to this bank. I've had enough with Santander Bank 's incompetence in particular this Loan office.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I submitted disputes to Equifax - XXXX XXXX and XXXX - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!
Product: Checking or savings account

I deposited {$210.00} cash into the capital one ATM machine located in XXXX California. The machine said there was an error and gave me my card back. The {$210.00} was not deposited into my account. Capital one has said they will investigate the situation. Capital one still has not started the investigation. All they can tell me is to wait and they will see what they can do.
Product: Credit reporting or other personal consumer reports

I have contacted reporting agencies and requested validation and verification of accounts. Please see details of request below Im exercising my right under the Fair Credit Reporting Act, Section 609, to request validation, as this is causing damages to my credit report. I am requesting you remove XXXX XXXX XXXX and XXXX from my credit report immediately as it violates the FCRA and FDCPA laws. I have sent validation of debt information to creditor and received no response within the 30 days allotted. 
I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my original wet signature. I am also requesting for you to provide me with all information and documents pertaining to civil claim and/or judgment in accordance with the 15USC 1692h 809b as I have reached out to the debt collector If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. If this debt can not be validated it needs to be removed from my credit report immediately or I will be in contact with the Office of Consumer Affairs and Business Regulations and file and FTC report for permissible purpose as you do not have permission to have this account in my consumer credit report. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law
Product: Debt collection

i had a XXXX Cell Phone account and they were unable to keep the services working that i was paying them for, after multiple Communications with the service department and Store managers and trying a Mini Cell tower in my home the services still were not working Half the time. i communicated my request for them to fix the service or give me credit Both requests went on def ears. 
i was left with no other choices after being told the problem was their towers but to switch providers as i did over to XXXX. 
i was a long time customer and the last 1 year and a half was like paying for nothing. 
This left them claiming i owed them {$2100.00} for services that they could not get to work From XX/XX/XXXX to XX/XX/XXXX. 
i feel this account should be removed for my report at once and XXXX should take responsibility in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 Discover bank # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights, XXXX # XXXX  has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 ( a ) ( 2 ) it also states a consumer reporting agency can not furnish a account with my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Student loan

After being layed off work beginning on XXXX/XXXX/16 I continued making payments until unemployment insurance ran out inXX/XX/XXXX and I could not afford too continue. When the collection calls started I explained my situation but Navient claimed there was nothing they could do when I asked about lower or deferred payments, they instructed me to just ignore the calls, all the while reporting negative on my credit report until my employment in XX/XX/XXXX I was able to start making payments again in XX/XX/XXXX after catching up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX and XXXXXXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Validation of account : XXXX To whom it may concern : This letter is being sent to you in response to a listing on my credit report. This is not an acceptance of any debt or refusal to any debt ; this is a notice to request validation of debt with Spring Oaks Capital LLC. 

Under the FDCPA ( Fair Debt Collection Practices Act ) I have the right to request validation of the debt said to be owed to Spring Oaks Capital LLC. Be advised I am not requesting a " verification ; I am requesting a " validation '', meaning competent evidence is needed showing contractual obligation and agreeance that I owe any debt to Spring Oaks Capital LLC. 

Please prove the following info within 30 days from the date you receive this request for debt validation. 

Name, address, phone of alleged creditor : Name on file for alleged debtor : Alleged account number : 1099-C from original creditor. 

Address on file for alleged debtor : Date this alleged debt became payable : Date of alleged charge off or delinquency : Proof that the original creditor securitized the debt Assignment contract from original creditor to the debt collector " Detailed '' description of items/service pertaining to alleged debt ( amount/price of service ) : Agreement that bears the signature of the alleged debtor within he or she agreed to pay the creditor : Documentation showing the assignments of debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided all of the above requested to validate this debt. 

You do not have permission to update any of my personal information ( phone number, address, etc... ) across any platform of credit reporting. 

If your office fails to respond to this validation with all above information requested within 30 days from the date of receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request must be sent to me immediately. 


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

I tried to make a payment from my XXXX XXXX which is tied to my credit union savings account. There is plenty of money in the account to cover the amount that I intended to transfer. I initially contacted my credit union, and they have indicated they can't see any attempts have been made or being blocked by them. I contacted XXXX  via phone today and asked why my payment had been paused. They couldn't provide with an acceptable reason, nor were they able to do anything for me. I understand today 's world that we all need to be careful, but Venmo should have a means to release my funds with the proper authorizations.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 102.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted. Please delete the following accounts. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX  Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

Experian report from XX/XX/XXXX the open date for this account is reported as XX/XX/XXXX. 

XXXX XXXX account XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 
XXXX  XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. 

Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$XXXX}. 

XXXX account from XXXX with account # XXXX and a balance of {$XXXX}. 

XXXX account from XXXX XXXX with account # XXXX and a balance of {$XXXX}. 

XXXX account from XXXX XXXX with account # XXXX and a balance of {$XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an illegal XXXX account reporting my credit report. I do have an account with XXXX but this other one that is there is not mine, one reports that it was opened in XX/XX/XXXX, and the other one which is mine was opened in XX/XX/XXXX. I have contacted the company and sent them all of the documents they requested to conduct their investigation.
Product: Vehicle loan or lease

Yamaha finance can not seem to apply my payment correctly. My next payment due was XXXX, XXXX, XXXX. I made a payment on XX/XX/XXXX which would make my next available payment XXXX, XXXX. XXXX. My statement now shows my next payment due date is XXXX, XXXX. XXXX. I've filed a complaint about this twice already with no resolution.
Product: Bank account or service

A branch specialist at Citibank made an unauthorized teller withdrawal on my checking and savings account. I filed a fraud claim with Citibank, but they denied it due to a lack of evidence and said the decision can not be appealed. They also can not further investigate the matter because the branch in question is now permanently closed. If Citibank would pull up the security footage of the incident, it would clearly show that I was n't present for any teller withdrawal and did n't withdraw any money. What other options do I have to recover my money?
Product: Checking or savings account

Subject : Complaint Regarding Unresolved Disputed Transaction with Wells Fargo Dear Consumer Protection Service, I am writing to formally lodge a complaint against Wells Fargo regarding a disputed transaction on my account. Despite my repeated efforts to resolve the matter, the bank has failed to address the issue adequately, leaving me without recourse for the {$2900.00} debited from my account for a fraudulent transaction. 
On XX/XX/year>, I used my Wells Fargo bank card to purchase an engine online, only to quickly realize that the transaction was part of a scam. I immediately contacted Wells Fargo to report the fraud and requested that the transaction be canceled. Despite my prompt notification, Wells Fargo authorized the {$2900.00} charge. 
When I noticed the unauthorized debit a few days later, I contacted Wells Fargo again, explained the situation, and filed a formal claim. Wells Fargo assured me that they would provide a temporary credit, which they did. However, three months later, they reversed the credit, claiming I had authorized the transaction.

The bank requested proof of my attempts to cancel the transaction and evidence of communication with the merchant. I provided all the documentation they requested, including proof that I never received the product. Despite these efforts, Wells Fargo denied my claim. Over the course of several months, I spoke with at least seven different representatives, all of whom assured me that I would be reimbursed, but this has not happened.

I escalated the matter to Wells Fargo 's fraud team, only to be met with further refusal to resolve the issue. This has been an incredibly frustrating and distressing experience, as I took all the appropriate steps to protect my account and provided all necessary documentation to support my claim.

I am requesting your assistance in holding Wells Fargo accountable for this matter and helping me recover the {$2900.00} that was wrongfully taken from my account. Their handling of this dispute has been unacceptable, and I believe my rights as a consumer have been violated. 
Thank you for your time and attention. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 sent a certified verification letter to Accounts XXXX collection agency. I have never received a response from the company. I disputed with Experian credit agency. There investigation concluded accurate without providing any proof to their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 4021 of the cares act amends the FCRA by adding a new subsection ( F ) to section 623 ( 15 USC 1681. 2 ( a ) ( 1 ) to reporting obligations of creditors that provide an accommodation to consumer affected by Covid 19 who have requested accommodation durning the cover period of Covid 19 pandemic. I was affected. Im requesting to be accommodated by deleting or deferring account. In addition 15 USC sec 604 states consumer cant furnish my information without my written consent. Never wrote anything to give you the right to commit this act. Also, USC 166B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. You have committed multiple violations in accordance with the FCRA and FTC. Violations are subjected up to {$1000.00} per violation. I demand you remove immediately from XXXX, XXXX, and XXXX. I will also file a complaint with the CFPB.