23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Incorrect Amount on My Credit Report I am writing to formally dispute an inaccurate amount that is listed on my credit report. The discrepancy pertains to XXXX XXXX and the specific details are as follows : 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 I have carefully reviewed my credit report and compared it to the original terms and agreements with the creditor. It is evident that the amount reported is incorrect, and it does not reflect the accurate status of the account. The correct amount owed is as stated above. 

I have taken the following steps to address this issue : I contacted the creditor directly to discuss this discrepancy. 

Request for Correction : I have requested that the creditor correct the reported amount to match the accurate balance and account status. 

I kindly request that you investigate this matter promptly and take the necessary steps to correct my credit report to reflect the accurate information. This includes updating the reported balance to the correct amount owed and ensuring that my credit history is accurate. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to conduct a reasonable investigation into disputes within 30 days. I also request that you notify me in writing of the results of your investigation once it is completed. 

Please be advised that the inaccurate reporting of the amount owed has the potential to adversely impact my creditworthiness and financial opportunities. Therefore, I consider the prompt resolution of this issue to be of the utmost importance. 

I can be reached at Phone Number XXXX XXXX  should you require any further information or clarification. I appreciate your immediate attention to this matter and look forward to a swift resolution. 

Thank you for your prompt response. 

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

On XX/XX/year>, I sent a debt validation letter via certified mail to XXXX XXXX XXXX XXXX XXXX ) requesting validation of a debt they claimed I owed. Instead of validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX transferred or sold the debt to XXXX XXXX without providing the necessary validation. 

15 U.S.C. 1692g ( Debt Validation ) : Under this section, once a consumer disputes a debt in writing or requests validation, the debt collector must stop all collection activities until they provide verification of the debt. Selling or transferring the debt without providing validation violates this provision.

15 U.S.C. 1692e ( False or Misleading Representations ) : This section prohibits debt collectors from using any false, deceptive, or misleading means in connection with the collection of any debt. Transferring or selling a debt without validation may be considered misleading and deceptive conduct.

I have not received any validation of this debt from XXXX, yet they have transferred it to XXXX XXXX for collection. This is a violation of the FDCPA, which requires that all collection activities stop until the debt is properly validated. 

I have proof of the certified mail receipt that I will upload to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the actions made by the Credit Reporting Agencies! They have failed to comply with the FCRA section 605b and continued reporting the disputed accounts and information on my Credit File that resulted due to Identity Theft. I have been sending multiple written letters addressed to the Credit Bureaus requesting that they remove all the disputed accounts and information from my Credit File or provide me copies of documents bearing my signature to support the Credit Bureaus claims that the disputed information belong under my name. Either which, the Credit Bureaus have failed to do so. I am now submitting this complaint to you today to inform the Credit Reporting Agencies that I am in talks with my Legal Counsel to initiate legal response for the Credit Bureaus incompetence and negligence. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identiy theft. I need the following items deletes as soon as possible : XXXXXXXX XXXX  XXXXXXXX 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 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noted a collections account on my credit report and made inquiry only to determine that someone was trying to obtain a lease ( in XXXXXXXX XXXX ) under my information. I immediately reached out to the collection agency as well as to the credit reporting agencies. I was advised to file an identity theft report with the Federal Trade Commission ( FTC ) and a police report. Since I live in XXXX XXXX I had to make the report to the XXXX Police Department ( XXXX ) over the phone and file freedom of information report in order to obtain a copy of my own police report since it was not feasible for me to fly to XXXX for the report. I followed all recommendations from the FTC following the filing of my identity theft report and reached out the debt collection company as well as the XXXX credit reporting agencies. All three agencies initiated the extended fraud alert ( EFA ) on my behalf and stated the collection account would be removed. XX/XX/XXXX, I sought a personal loan and found the same debt collection agency was attempting to collect the same account previously identified, however, only Experian had not removed the account. Upon speaking with an agent from Experian she stated that it was true that I could only receive the EFA if I had been a victim of identity theft, but she saw no record of my ever submitting the information informing them of the fraudulent account, and she could not tell me how the EFA was placed without that information. So, I began the initial dispute process again within XXXX days Experian stated the information was accurate and would remain on my report. I was then uploaded FTC identity theft report, XXXX report, copy of my driver 's license, proof of my address as well as other supporting information. I uploaded the information on XX/XX/XXXX, at approx. XXXX pm by XXXX pm I received an email from Experian basically saying I was being dishonest, that my FTC report was fraudulent as well as my XXXX  report and that they would not remove the fraudulent information from my account because it wasnt fraud. After reviewing all of my supporting documents they have determined this is my account. Even though the information relied upon from the collection agency had no identification, no signature, my name was initially misspelled, and the supporting documents only demonstrated a XXXX document with a computer generated initial and this was all that was required to determine my liability.
Product: Credit reporting or other personal consumer reports

I recently received a full credit report analysis from XXXX and noticed accounts that were supposed to be removed months ago, along with a new one from XXXX. The accounts listed, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine and appear to be related to identity theft. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Product: Student loan

I signed up with a school called XXXX XXXX. I was told over the phone that the class I was taking only would be XXXX but it ended up resulting in XXXX. I was suppose to receive help from my school to get a job and to get help with the student services to help with my resume but no one ever replied back to me after I told them my frustrations for the school. They are now saying I have breached my contract when I was promised help with to get help from them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( Chapter XXXX bankruptcy ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX continue to violate the FCRA requirements by not deleting the inaccurate information on my cardmember Service account XXXX. The late notice for XXXX is inaccurate. I was never late for XXXX. I have provided proof documentation on numerous dispute to support my dispute. This willful inaccurate information continue to caused injury and harm to me financially and is preventing me from obtaining financing.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I logged onto my Bank of America app to see my balance had changed dramatically. My savings account had {$9300.00} available the last time I was logged on. On XX/XX/XXXX there was only {$3300.00} available. I had {$5900.00} dollars stolen from me in XXXX days. I then got into contact with BOA and they told me they would look into it. Most of the transactions were through XXXX to a person I dont even know however I have her number from her being added to my XXXX contacts. There was also money withdrawals from an BOA atm when I had my card. BOA denied my refund leaving me in a horrible position. They can see that this person was added and all this money was sent with NO communication with me. They also stated it was NOT me at the ATM yet im still responsible. They also informed me that it was a male and he was on the phone and somehow that means I authorized it. I stated they could check my phone but they didnt care. I am a hard working college student and this HURT. BOA is a millionaire dollar company that will not return my {$5900.00} that I worked HARD for. I had been a valued customer for 5 years yet they did nothing about this incident.
Product: Mortgage

On XX/XX/2020, my wife and I refinanced our mortgage with United Wholesale Mortgage ( UWM ). We did not receive our XXXX mortgage statement prior to XX/XX/2020 which was the date of our first mortgage payment after the refinance. Therefore, I called UWM and made the XXXX payment over the phone. When my XXXX mortgage payment due date was approaching and no mortgage statement had arrived, I called the UWM customer service phone number and told the representative that we had not received our XXXX mortgage statement. The representative instructed me to mail our mortgage payment to the following address : United Wholesale Mortgage XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
Following the instructions of the representative, I had my bank send UWM a draft for our mortgage payment on XX/XX/2020. The payment arrived at the UWM address on XX/XX/2020. My payments are late after the XXXX of the month ; therefore, my XXXX payment was received by UWM prior to XX/XX/2020 and was not late. UWM never called or emailed me to let me know that my payment was not received. However, when UWM did not accept the bank draft, my Credit Union stopped payment on the draft on XX/XX/2020. When my Credit Union notified me that a Stop had been placed on the XX/XX/2020 draft, I reached out to UWM and was told that my payment should have been mailed to a different address. Further, I was informed that a 30 day late had been reported to the bureaus for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 )   XXXX   XXXX  is still reporting my BK filed in  X/2008 . The law at the time of filing is 7 years but was later changed to 10 years not retroactive. Should be removed from my file.    2 ) In quires not authorized by me are on my file and should be removed and have not been removed.    3 )  Disputed accounts have not been removed after the 30 day limit to respond by the creditors Thank You  XXXX   XXXX
Product: Student loan

Student loans being reported by XXXX XXXX, XXXX, XXXX XXXX XXXX and Department of Education. XXXX XXXX, XXXX, XXXX XXXX, and Department of Education. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 
Although I am attaching only my XXXX Credit report this affects all credit bureaus. 
I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
Product: Checking or savings account

Made ATM deposit at CompassBank in XXXX, TX with 2 checks. ATM didn't give recpt and no record of dep on XX/XX/2018. I called custmr serv and put in dispute XX/XX/18.Went to bank XX/XX/2018, they found checks ( XXXX and XXXX ) said unable to give credit research with XXXX XXXX and takes up to  10days. I informed branch manager my landlord charging late fees and possible eviction. He said show them a copy of research request. Didn't write letter. Landlord req letter to offset fees which totaled over {$200.00}. I called customr serv again for letter XX/XX/18, they said will send lettr in mail and go to branch to hav faxed copy. Again, go to branch in XXXX, TX XX/XX/18 they said non letter was there from customer service. While at branch I called custmr servc spoke to suprv, she said would hav fax sent to branch in 3 hours. I go back still no letter after 3 hrs, called cust service and again I spoke to another supervisr, extremely frustrated due to agent said he was told by anothr suprv they WOULD NOT send a letter because the day before they refunded checks. I asked to spk to that supvr, he got on phone and identified himself as XXXX XXXX and yes I was not going to get the letter and the prev supervisor had given wrong information. Said to hav branch call and ask for Dept One.  Branch employees looked surprised he was giving this info. While I was speaking to branch, XXXX XXXX hangs up the phone. While I understand there is a process, I should not be penalized for deposit not showing up, causing possible bad credit with my landlord and fees. XXXX XXXX is a poor example of a CUSTOMER SERVICE supervisor. Poor skills almost " defamation of character '' in regards to talking about previous supervisor. Also against the company that he works for. When I told him I would file complaint he said " you should ''. The original request for letter was XX/XX/2018. Told XX/XX/18 they would give a letter and at that time checks were still not credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began services about 6 months ago with XXXX XXXX XXXX. I was guaranteed in 6 months the items I had on my credit report would be removed, I would get frequent check ins and all sort. I even signed a contract and in that contract It stated I could not work on my credit or reach out to these companies as they were supposed to be disputing these items. I have paid over XXXX dollars over these months with a fees of XXXX dollars for changing my payment methods. Still not a single item has been removed, I don't get follow ups as promised. I have to email and reach out. All I have been doing is paying this company, with no true results, I am at 6 months ready to purchase a home and my credit is right where it was with the same items. I am requesting a full refund and this company be reviewed for fraud. I don't understand how they can operate like this. I will file other complaints as well. With the amount I have paid them I could have used to dispute these companies myself.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a vehicle from XXXX XXXX XXXX on XXXXXXXX  with full coverage insurance and GAP insurance, I put {$2000.00} down on it and owed about {$12000.00}. 
On XX/XX/XXXX  it was stolen, but recovered on XXXXXXXX  wrecked and taken to XXXX XXXX XXXX  and placed on a XXXX hold because it had been called in stolen. 
My last payment made on my car was XXXX, my next payment was due on XXXX, but I stopped paying on it because no one called me to tell me any information about my car! I called XXXX XXXX, Claim Department and Westlake Financial Services repeatedly and no one told me anything. The police report was filed on XXXXXXXX  and I filed a claim on or about XXXX, ( claim # XXXX ), and the only person who ever contacted me was XXXX XXXX ( insurance adjuster ) on XX/XX/!!!!! She wanted to do a phone interview and ask me questions about my car, which I did. 
She didn't tell me that my car was in process of being repossessed, I had no idea that Westlake was repossessing my car! 
I have no clue when or who picked up my car from the impound lot, I had no idea that Westlakes repossessed my car and were selling it for {$480.00}!!! 
On XX/XX/2023 Westlakes sold my car to XXXX XXXX XXXX for {$480.00}, and that is the same car lot I bought the car from!!!! And, they presently have it listed for sale for {$12000.00}, but bought it for {$480.00}. 
Can Westlake Financial Services repossess my car even if I wasn't behind on my payments? And, aren't they supposed to contact me before they sell it? And, I don't feel like what they did is legal, they took my car from me for absolutely no reason, then sold it to the car lot I bought it from for {$480.00}. And, is presently continuously harassing and telling me that I owe them {$17000.00}. They call me at least 10 times a day from 10 different numbers asking for payments!! Is this legal what they did? If it is then just delete my complaint, but if its not can I get my car back?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

I sent out a dispute on XX/XX/2019. The dispute was over accounts on my credit report that is seriously hurting me getting employment and other credit. Instead I was ignored for over two months waiting on them correct this mistake. After all this, I get a result after I wrote about the delay. It seems like a don't care tactic on their part.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, 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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated.

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. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/ 2007 Balance :XXXX