23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX ct XXXX, Ga, XXXX XXXX XXXX, XXXX, & XXXX XXXX Addresses unknown Subject : FORMAL DISPUTE & DEMAND FOR IMMEDIATE DELETION OF INACCURATE COLLECTIONS To Whom It May Concern, I am writing to formally dispute the inaccurate and unverified collection accounts appearing on my credit report. These accounts are causing significant financial harm, including repeated denials for credit, housing, and essential financial services. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to investigate and remove any unverifiable, inaccurate, or outdated information within 30 days. 
ACCOUNTS IN DISPUTE : 1. Unknown Collection Account {$1400.00} ( Opened : XX/XX/XXXX ) 2. Jefferson Capital Systems {$660.00} ( Opened : XX/XX/XXXX ) 3. XXXX XXXX {$550.00} ( Opened : XX/XX/XXXX ) LEGAL GROUNDS FOR DISPUTE & REMOVAL REQUEST : 1. Lack of Verification ( FCRA 611, 15 U.S.C. 1681i ) Under federal law, no unverified debt can remain on my credit report. If the reporting agencies fail to provide complete validation, the accounts must be deleted immediately.

2. Unauthorized Collection Activity ( FDCPA 15 U.S.C. 1692e & 1692g ) Debt collectors must provide proof of ownership and itemized validation of a debt upon request. If the agency can not provide signed documentation proving I owe these debts, these accounts are being reported in violation of federal law. 
3. Consumer Harm Due to Incorrect Reporting ( FCRA 623, 15 U.S.C. 1681s-2 ) These accounts have caused : * Denial of credit, auto loans, and housing applications * Higher interest rates due to unfair and inaccurate reporting * Severe damage to my financial stability DEMAND FOR IMMEDIATE ACTION : 1. Conduct a full investigation and provide evidence that these accounts are 100 % accurate, verifiable, and legally reportable.

2. If verification can not be provided within 30 days, REMOVE these accounts from my credit report immediately.

3. Provide written confirmation of deletion.

Failure to comply with federal laws will result in formal complaints filed with : * Consumer Financial Protection Bureau ( CFPB ) * Federal Trade Commission ( FTC ) * State Attorney Generals Office If this matter is not resolved, I will seek legal action for willful noncompliance under FCRA 1681n, which allows for statutory damages of up to {$1000.00} per violation plus attorney fees.

This letter serves as legal notice under the FCRA and FDCPA. Please respond within 30 days to avoid further escalation. 
Sincerely, XXXX XXXX
Product: Mortgage

" Acknowledgment-receipt of inquire Plan language? 
XXXX XXXX, 2016 & XXXX XXXX, 2016 XXXX XXXX Senior vice President Wells Fargo Home Lending? 

Idenity theft? 
No contract? 
if cross selling, it as not authorized by me? 
Media Suspension for 1 Year? I cant tell? I am not satisfied? 
They continue to write? 

Fine print on bottom of correspondence? Wells Fargo Bank NA NMLSR SAFE Act? 

Spells my name XXXX XXXX XXXX XXXX?
Product: Mortgage

First Issue : Loan # with Chase XXXX the XXXX XXXX # IS XXXX. This is a Mortgage with Chase, which I believe has already been paid off through Securitization. Has is Mortgage or Note ever been Securitized. When original mortgage was done. The Note which is the Property of XXXX XXXX Not the banks. 
Second Issue : I have repeatedly asked that the sale date be removed because this is duel processing which is in violation of the HAMP ruled attached. This file is currently in review for a HAMP Modification with Chase and has an Escalation opened with chase and an office of the president file opened Sale date of XXXX/XXXX/2015 which is still open. 
Third issue : Single point of contact and request for Documents. XXXX XXXX has had XXXX. XXXX single points of contact and provided all doc 's requested in writing from chase. The main problem is that every time the file changes Single points of contact the information from the last Single point of contact seams to get lost and not forwarded to the new single point of contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX  insurance company charged my credit card ( XX/XX/2022 ) for a service that I told them that I didn't want any longer. In return, XXXX not only charged my account but them billed me over {$100.00} in past due fees. I was finally able, after many phone calls, to cancel the credit card. Finally on XX/XX/2022, XXXX sent me an email advising me that they resolved my dispute, my account had a XXXX  balance. 

This morning I received an email from XXXX XXXX that there was an update to my credit report and credit line. I always had an excellent credit rating, now it is good! I am very upset because especially at this point in my life, I'm XXXX now, I took and take great pride in my credit and my reputation. 

I have tried calling Equifax and XXXX, being placed on hold, then disconnected.
Product: Debt collection

The company Portfolio Recovery has repeatedly called me on different phone numbers so every time that I block one phone number they call from a different phone number. I have already attempted to pay any debts with a debt consolidation and two of the companies refused any negotiation so I ended the debt consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer XXXX recently reviewed my consumer reports from XXXX, XXXX, XXXX and saw that Self Financial Inc reported the status of the account with them as " closed charged off '' as per 15 USC section 1692d ( 1 ) my consumer rights has been violated. Any alleged unvalidated remarks or best furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. I never had a balance this company to be reported as charged off. The information reported are incorrect and is causing me stress and demand the organization remedy this situation as soon as possible. I plan to seek remedy for damages as a consumer and legal measures if Self Financial continues to tarnish my reputation.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently fined Equifax, for failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Equifax has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting the immediate corrective action to remove the disputed accounts, as Equifax 's in action violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account 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 Acct without my written instructions. 

Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Lexis Nexis regarding unverified information and demanded that it be removed in 4 days based on 15 U.S.C. Sec. 1681i ( a ). They have not removed the fraudulent information which is causing me major headaches. I can't get a mortgage to provide a solid home for my family due to the bad information Lexis Nexis is providing to multiple vendors. Several addresses are tied to multiple issues that were not mine yet Lexis Nexis refuses to abide by the law. Plus did not have permissible purpose to furnish this information on my consumer report. 

Each of these addresses are not my addresses and should be removed immediately : XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX I've attached the letter that list specific records that should be removed in 4 days according to the law which Lexis Nexis has clearly violated.
Product: Credit reporting or other personal consumer reports

I AM RESPONDING ON THE RESULTS OF YOUR INVESTIGATION REGARDING THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND AN XXXX XXXX XXXX THAT WAS VERIFIED TO BE CORRECT. I AM DEMANDING TO SEND ME A PROOF THAT THESE INQUIRIES WERE INITIATED BY ME. I NEVER AUTHORIZED THESE INQUIRIES AND THIS IS CAUSING ME DELAYS ON GETTING MY LOAN APPROVAL. IF YOU CAN NOT PROVIDE ANY PAPERS THAT I DID AUTHORIZED THOSE INQUIRIES, I DEMAND ALL OF THESE INQUIRIES TO BE DELETED FROM MY CREDIT REPORT.
Product: Mortgage

On XX/XX/2020, my husband and I submitted a loan application to Wells Fargo Bank so that we could get a prequalification to pursue purchase of a home in XXXX XXXX, LA. On XX/XX/XXXX, we were contacted by XXXX XXXX. We completed the application process, then request a Pre Approval letter for a home to make an offer. On XX/XX/2020 we received a " Preferred Buyer Letter '' from Mr. XXXX for {$170000.00}. Our offer was not accepted, so we continued to look. We We lost on several offers. We then asked for subsequent letters, the last one on XX/XX/2020 for {$250000.00}. On XX/XX/XXXX, based on this letter, we signed a purchase and sales agreement for a {$230000.00} home. We moved forward with our loan application. Our loan was then sent to XXXX XXXX a loan processors at Wells Fargo in XXXX. She never once returned a phone call. She only responded via email, asking for documents. We supplied everything asked for. If we had questions, we sent emails to her supervisor. No one EVER called us. No one EVER responded to an email. I contacted the main office of Wells Fargo several times asking for follow-up. On XX/XX/2020 with no explanation we were told our loan would not be funded. I called and emailed, and no one would explain. I wanted to know the factors so we could find another lender. 

I believe we are the victims of unfair lending practices by Wells Fargo. It appears they did not want to lend in a " redlined '' XXXX neighborhood in XXXX XXXX to an XXXX American buyer. Wells Fargo was deceptive, leading us to believe we were qualified for a home for {$230000.00} since we were given a higher prequalification. I am not sure they had any intention of assisting a XXXX, just checking a box that they performed outreach to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to this credit report number XXXX from XXXX I try to get in contact with them to delete XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on his way in XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these charges on it come from a person with a similar name as me but I have a police report and Im uploading and I would like all the sizes and all the incorrect name so my file delete it from Trans Union XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX inaccurate information on my credit violation of cra and hippa
Product: Credit reporting or other personal consumer reports

I want these accounts from removed from my credit. The accounts reported have delinquent balances reported with them and closed off accounts aren't supposed to have a balanced tied to them. It is negatively impacting my credit and its hindering me from doing anything for my family.
Product: Payday loan

AD ASTRA is containing to report a fraudulent account to my XXXX credit report. I have letters and documentation stating that the account is not mine and that they would be removing it from all XXXX bureaus. They had removed it at one point, but have recently pout it back on. This is breaking the law in so many wat=ys. Once an account is removed it can not be put back.
Product: Credit reporting or other personal consumer reports

The company DT Credit has a XXXX inquiry on my report that was not authorized by me and they are refusing to correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not know I owe any money to XXXX XXXX XXXX XXXX XXXX until I schedule an appointment. Therefore, I, immediately, paid {$200.00} to XXXX XXXX XXXX XXXX XXXX in XXXX, New Mexico. I never dealt with a collection agency in any of the dept they are reporting in their remarks as " paid collections. '' This is incorrect. As of XX/XX/2018, I do not owe any money to XXXX XXXX XXXX XXXX XXXX ; however, they are, also, reporting I owe {$200.00} on TransUnion credit report as I attached this file. Furthermore, I received a ledger from XXXX XXXX and, not a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or correct these negative accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM WRITING THIS STATEMENT ON MY OWN BEHALF REGARDING THE INFORMATION ON MY CREDIT REPORTS. FRAUDULENT APPLICATIONS WERE SUBMITTED AND PROCESSED UNDER MY NAME OR IDENTITY WITHOUT MY CONSENT TO OBTAIN GOODS OR SERVICES. THE FOLLOWING INQUIRIES AND ACCOUNTS I NEED TO BE DELETED ARE LISTED IN THIS REPORT AND ARE ATTACHED TO THIS STATEMENT AS WELL : ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Good Afternoon, This matter involves Cash App. I sent my church, a church offering of {$83.00} on XX/XX/XXXX to their Cash App handle at the time. My church told me numerous times that they called and wrote to Cash App and did not get any response. My church stated that they never received my payment of {$83.00}. I do not have any reason that they did not tell the truth. 

I called Cash App numerous times to intervene. Cash App reps would not talk to me. I requested a refund and that was declined. 
I became weary and tired of fighting with Cash App and just wrote it off. My {$83.00} is hanging out there in space. My church never received the payment and I was unable to get a refund. Message received-completed, refund request declined. 

I went to a virtual wallet workshop a few months ago and shared my story about Cash App. It was suggested to me to get in contact with your agency and file a complaint against Cash App. 

Thank you for your assistance!
Product: Credit card or prepaid card

Here we go again! Or rather still.. 

I simply do not understand why Synchrony has to be so complicated in your payment allocation process. It is, and I have previously accused you of " sprinkling micropayments '' across all balances, some not due for as far out as 11 months, PURELY for the fact, the AVERAGE consumer will think, " hey I have been paying on this account for a year '' - and they ASSUME ( wrongly ) that a promotion is paid off, when in fact, it is not, and HUNDREDS of dollars of interest comes rushing forward. Which I am sure, if that AVERAGE consumer catches that, they call you, you say, your patent answer " sorry, let us fix ''. Well you are in fact NOT SORRY, if you were truly sorry, you would FIX THIS ONGOING ISSUE. When I have complained about Synchrony 's payment handling in the past, I get your FORM LETTER that blabbers on about minimum payments and that all payment made is applied to expiring promotion in its final 60-days. FLAT. OUT. LIE. I have now two statements, that payments are NOT applied to balance expiring in 60-days but again, still, micropayments applied to balances now expiring as far out as XX/XX/2023 - XXXX MONTHS from now! 

It is NOT RIGHT, that the consumer has call EVERY MONTH to ENDURE your system FORCING us to hear last transactions, available credit, insisting to text it to us, and on and on, before we can get to a live person, who MUST be an " Account Manager '' in order to allocate the payment the way it SHOULD have been allocated, the way YOUR OWN POLICY so states it should be handled.
Product: Mortgage

XXXX XXXX sold my loan to sn Servicing on XXXX 2015 at the time of this purchase I was current on all payments. I notified SN Servicing for a monthly statement and it showed delinquent payments. I have documented receipt showing all payments made and they are currently being paid for current payment for XXXX 2015. At this I am not giving any payment towards back pay because they have already been made, I would like to resolve this matter asap.
Product: Checking or savings account

Last Friday ( X/XX/2017 ) I went to a Bank of America located in XXXX XXXX XXXX Florida. I asked to withdraw XXXX to make a purchase from a private party and the teller told me that I could only withdraw XXXX. I had over XXXX in my checking account. I let the teller know I 'm actually a Vice President for Bank of America and I 've never heard of such a policy. <P/>I would not keep so much cash on deposit at Bank of America if I knew that I could n't get it out when I need it. Someone brought me into a Merrill Lynch marked office after the teller said he 'd get someone to help me. I 'm a ML client so I was hopeful that the Financial Advisor would be able to help me but it turned out that I was talking to the Branch Manager who was illegally working out of a Merrill Lynch office which is clearly against Bank policy. <P/>The Branch Manager " XXXX XXXX '' told me he could only let me withdraw XXXX. I ask him to give me an explanation of why I can not withdraw my own money and he told me since I work for Bank of America I should know what the policy is. I vehemently protested to the idea of limiting my teller withdrawals and if this was the case it would need to be disclosed properly to the consumer. <P/>I asked to see this supposed policy in writing and the Branch Manager refused to show me anything in writing. I let him know that this was a major offense and a breach of contract that I do not take lightly. I asked him how to submit a formal complaint against him and once again he tells me that since I work for the Bank that I should know how to complian against him. <P/>I ended up withdrawing XXXX since I had no choice and I immediately called the Bank HR department to complain. Bank HR forwarded my call to XXXX XXXX XXXX XXXX who they claim is an independent 3rd party. I have good reason to believe that XXXX XXXX XXXX XXXX is actually a associate for hire that is paid to hide and even to suppress complaints. It has been 3 business days and I have still not heard back from either Bank of America or XXXX XXXX XXXX XXXX. <P/>I have been on a medical leave of absence for a few months and prior to going on leave I tried to report several compliance violations that I 've witnessed while working for Bank of America. I was treated very rudely by a XXXX XXXX XXXX XXXX Supervisor and I luckily have a recording of the whole 3 1/2 hour phone call since the first Rep. I talked to gave me her permission to record. <P/>At this point I have no choice but to seek legal action on behalf of all the other employees and consumers that are being wronged by Bank of America. I would like to hear from someone in your organization to discuss these matters in greater detail. I am hoping that the CFPB will be able to help bring light to these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 U.S.C. 1681s-2, credit reporting agencies and furnishers of credit information ( such as lenders, credit card companies, and collection agencies ) are required to maintain accurate and up-to-date credit information and to investigate and resolve disputes regarding the accuracy of credit reports.

Experian is reporting inaccurate information on a consumer report I never consented to in the first place, I have reached out to them regarding this matter on several occasions. They are reporting two addresses ( listed below ) that are not associated with me and I demand the removal of this account. 
. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL,XXXX  XXXX XXXX XX/XX/XXXX Last 4 SSN XXXX Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Truist, I am writing to dispute inaccurate information on my credit report as provided by your agency. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX XXXX ] - **Creditor** : [ Truist ] - **Type of Discrepancy** : Late Payment Reported for [ XX/XX/XXXX ] I have reviewed my records and have confirmed that the reported late payment on this account is incorrect. As per the FCRA, all data furnishers are required to provide accurate information to credit reporting agencies. This includes ensuring that all reported late payments are correct and verifiable. I request that you investigate this matter and correct the information on my credit report as soon as possible. 

Under the FCRA, you are required to investigate my dispute and provide a response within 30 days of receiving this letter. Please conduct a thorough investigation and delete or correct the inaccurate information on my credit report. Additionally, I request that you send me a confirmation once the correction has been made. 

Please find my personal information below for reference : - **Full Name** : XXXX XXXX - **Date of Birth** : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXX XXXX XXXX Thank you for your prompt attention to this matter. If you need any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX