23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX my ( Cash App ) card was fraudulently used in a XXXX XXXX in XXXX, GA. I live in XXXX, SC. I received a series of messages from the app informing me my card was used multiple times in multiple places in XXXX, XXXX After locking my card and contacting the company, all charges except this {$150.00} charge were refunded to my account. I since then have followed all instructions via email, and have called multiple times to resolve the matter. In fact, I called twice today ( XX/XX/XXXX ) and spoke with a representative who hung up on me after I repetitively requested to speak with a manager, she stated verbatim, " I have done all I could for you and I'm not going to discuss this with you further. I'm disconnecting the call now. '' Then hung up. The second time I called a representative XXXX would not connect me to a manager and only offered to once again email an escalation of my transaction. I have waited over 45 days as instructed by Cash App and there has been no investigation. Will someone be so kind as to assist me in reclaiming my stolen funds of {$150.00}. I disputed this via email on the following dates : ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), & ( XX/XX/XXXX )
Product: Debt collection

According to 15 U.S.C 1681b I have never given written permission to furnish these accounts to my credit report. my right are being violated. Portfolio needs to remove Immediately the two collection on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Letter of Compliance - Failure to Follow Metro 2 Reporting Standards Dear, CFPB I am writing to bring to your attention the discrepancies and non-compliance with Metro 2 reporting standards regarding my XXXX XXXX account. It has come to my attention that there are multiple violations in the reporting of this account, which I believe has resulted in inaccurate information being reflected on my credit report. 
According to the information provided in my credit report, the details of my XXXX XXXX account are as follows : Creditor : XXXX XXXX Account Reported : XXXX. XXXX, XXXX Account Status : Closed Balance : {$36000.00} Account Type : Auto Responsibility : Individual Account Remarks : Charged off account Times XX/XX/XXXX days late : XX/XX/XXXX Upon careful review, I have identified five key areas in which XXXX XXXX has failed to adhere to the Metro 2 reporting standards : 1. Reporting of Payment History : The provided payment history table is incomplete and lacks the necessary information for each month. It fails to accurately reflect the payments made and the status of the account during specific periods, resulting in an inaccurate representation of my payment history.

2. Payment Status Reporting : The current payment status and worst payment status of the account are both inaccurately reported as " Charge-off. '' However, I have never made any payments on this account, and it should be reflected accordingly.

3. Account Status : The account is reported as " Closed, '' but there is no indication of the date or circumstances surrounding the closure. It is essential that the closure details are accurately reported for transparency and clarity. 
XXXX. Responsibility : The account is correctly reported as an individual account, which aligns with my responsibility for this debt. However, other information indicates an inaccurate payment history, suggesting a failure to properly attribute the responsibility of the account. 
XXXX. Lack of Additional Information : The report lacks crucial details, such as the highest balance, monthly payment, and exact terms of the loan, which are essential for a comprehensive understanding of the account. 
Based on the discrepancies outlined above, I kindly request that XXXX XXXX promptly rectify these issues and ensure compliance with the XXXX XXXX reporting standards. Additionally, I urge you to take immediate action to investigate and correct the inaccuracies in the reporting of my XXXX XXXX account. 
Please be aware that failure to comply with these standards and address the inaccuracies within a reasonable timeframe may result in further legal action to protect my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
I appreciate your attention to this matter and your prompt resolution. I expect to receive a written confirmation once the necessary corrections have been made to my credit report. 
I have attached proof of identification ( s ) as well down below in this letter. 
Thank you for your cooperation. I 100 % sign and pledge that I am the sole writer of this letter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

upon me pulling my three credit reports i notice several accounts that were not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Golden 1 Credit UnionXXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Subject : Dispute of Account Charge-Off and 1099-C Issuance ( Account Number : XXXX ) Dear Golden 1 Credit Union, I am writing to formally dispute the charge-off status and potential Form 1099-C issuance associated with my secured credit card account ( Account Number : XXXX ). Based on the information in my records, I believe there are inaccuracies that need to be corrected. 
Dispute Details : 1. Inconsistent Charge-Off Status : According to my records, the account was charged off with a {$940.00} write-off and a past-due balance of {$940.00}, updated as of XX/XX/XXXX. However, my payment on XX/XX/XXXX, does not appear to be properly reflected in the account history. 
2. 1099-C Issuance : If a Form 1099-C was issued for {$940.00}, I request documentation supporting the cancellation of this debt, including the calculation of the forgiven amount and the date of cancellation. 
3. Premature Charge-Off : I was not adequately informed or provided with reasonable options to resolve the account before the charge-off. Proper notification is required before such an action is taken. 
Requested Action : * Investigate my payment records and adjust the charge-off status if errors are found. 
* If a Form 1099-C was issued in error, please file a corrected form with the IRS and provide me with a copy.

* Provide documentation supporting the accuracy of the charge-off and any tax reporting.

Enclosed are copies of my payment records for your review.

Under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation and a written response within 30 days of receiving this letter.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX : XXXX XXXX XXXX XXXX Choice Recovery XXXX XXXX XXXX XXXX 

THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
Upon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX COLUMBUS XXXX INC./and CHOICE RECOVERY INC. : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX XXXX XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. 

I am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. 
Please investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I am still receiving demands for payment ( s ) from XXXXXXXX XXXX { Most recent for XX/XX/XXXX in the amount of {$620.00} attached } for my FL residence purchased from the XXXX XXXX Mortgage XXXX [ a/k/a XXXX XXXX ] through XXXX XXXX XXXX { out of foreclosure }, yesterday, XX/XX/XXXX, I received verbal confirmation from another bank XXXX XXXX [ a/k/a XXXX XXXX ] of the joint accommodation to cash payments made therefore, related to that unilateral modification [ by XXXX XXXX of XXXX in XXXX IL reduced to writing by the XXXX for the OCC ] and thefts of escrow ( {$330.00} ) by XXXX on or about XX/XX/XXXX pursuant to a request of the FL Attorney General, which implied the existence of said mortgage being sent to XXXX XXXX for XXXXXXXX XXXX and there is absolutely no accounting of or for same anywhere. Therefore that debt if it does actually exist it does not appear on my Credit Report. All mortgage debt ( s ) ( 4 ) appear closed. If it is closed, then why am I receiving demands for payments from XXXX XXXX endorsed for compensation by XXXX XXXX while no entity is reporting either billing for or receiving payments, therefore? This must be reported on my Credit Report ( s ) and it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of erroneous items that are reporting on my credit file : XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Product: Debt collection

I recently had my credit pulled while in the home-buying process and learned that I am the victim of identity theft where several cards have been opened in my name without my consent. please take action immediately and remove these items and addresses as I have never lived there. these items are damaging my opportunities and credit. 

I have been trying to get this resolved and the collection company has yet to provide the information as requested. 
I am requesting that this be removed from my credit report and never sold to any other collection agency in an attempt to hurt my credit. this has been both stressful and frustrating.
Product: Credit reporting or other personal consumer reports

Checked my credit on XX/XX/year> on XXXX XXXX and saw my entire credit file was gone from Equifax. 
Called Equifax on XX/XX/year> to ask why my entire file was gone. 
I was told that either the creditors do not report to them or the creditors must have removed the accounts. 
This is not even remotely believable, that would mean XXXX dozen creditors would have removed all my accounts on the same day at the same time, simultaneously. 
Both other credit reporting agencies have all my creditors on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter of denial from XXXX XXXX for a vehicle I did not try to purchase. The requesting Auto dealership XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not on the internet with a valid phone #. My credit report was run by Ally Bank and was denied. The reporting Credit Bureaus were XXXX, XXXX, and something called XXXX XXXX XXXX. XXXX XXXX XXXX The difference on my credit was reported lower with XXXX by 200 points. I don't care about that but what I do care about is I never tried to buy a XX/XX/XXXXXXXX XXXX automobile. This report should never have been run. 
Application Number w/ Ally Bank was XXXX reported on XX/XX/XXXX They gave a phone # on the letter to call XXXX but I was suspicious of this # so I looked Ally Bank up on the internet and called the XXXX  number listed on the web. Of course they do not know anything about it and can not give me any info. They even said they did not have a complaint dept or fraud dept I could speak to ( is that even legal? ). They insisted I give them my DOB and SS # over the phone. I refused and ended the phone call. Also- I do not know who XXXX XXXX XXXX is but there are numerous complaints filed with the XXXX and disparaging remarks on the internet about this Credit Bureau . they list a phone # XXXX but it is also on the letter so I refuse to call it. This has got to be illegal and if it is, I want to know how to fixt this so I can keep them from running my credit report. I think Ally Bank and XXXX are committing fraudulent operations.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account that was never declared as credit was reported as a secured card with a late payment ( XX/XX/year> ). This account was never a secured card but was a debit card/prepaid account. I never had a late payment with this creditor. It I the right of each and every credit bureau to report accurate information and protect me from false reporting. I have attached supporting documentation, including a copy of my credit report that shows the account reporting as a secured card with one late payment on ( XXXXXXXX XXXX XXXX XXXX and the last payment status reported as paid/closed. I request that this issue be investigated and resolved promptly. Thank you for your understanding I look forward to this matter being solved promptly.
Product: Debt collection

Received a letter from RAS XXXX on or about XX/XX/XXXX about XXXX alleged debts from XXXX XXXX. 

Their letter was deceptively dated XX/XX/XXXX and said I had 30 days to dispute, which was already past from the date. 

Whether this was an error, intentionally deceptive or there was a huge delay in the mail is unknown. 

My rights are 30 days from receiving though. 

On XXXX, I received mailers from attorneys stating I had a lawsuit already filed against me. 

I immediately sent my dispute letters via XXXX using Certified Mail w Return Receipt. 

Debt Collector initiated lawsuit with no notice and only an initial communication that was dated wrong. 

Also, the debt is not mine and has now been disputed. Debt Collector should withdraw lawsuit and cease any further collection activities.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XX/XX/year> WELLS FARGO AUTO XXXX XXXX XXXX XXXX, NC XXXX Dispute of Inaccurate Credit Information - Notice of Error Under FCRA To Whom It May Concern : I am writing to formally dispute inaccurate information that your company, WELLS FARGO AUTO, has reported to the credit bureaus. This letter serves as my notice of error under the Fair Credit Reporting Act ( FCRA ) and my formal request for investigation and correction of the erroneous information.

Pursuant to the FCRA, 15 U.S.C. 1681s-2 ( b ), you are legally obligated to conduct a reasonable investigation into my dispute and to correct any inaccurate or incomplete information. Additionally, under the FCRA 1681i ( a ) ( 1 ), you must complete this investigation within 30 days of receiving this notice.

Furthermore, I draw your attention to the following legal provisions : 1. The Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., which prohibits discrimination in credit transactions, including the reporting of credit information. 

2. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., if applicable, which regulates the behavior of debt collectors and protects consumers from deceptive practices.

3. The Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, which prohibits unfair, deceptive, or abusive acts or practices in consumer financial products or services.

Please thoroughly investigate the accuracy of the following information : AUTO LOAN If you find this information to be inaccurate or unverifiable, I demand that you promptly delete or correct it and send updated information to all credit bureaus to which you report, as required by FCRA 1681s-2 ( b ) ( 1 ) ( E ).

As mandated by the FCRA, please provide me with written results of your investigation within 30 days. Be advised that failure to respond within the required 30-day period will necessitate the removal of all disputed items from my credit report, as per FCRA 1681i ( a ) ( 1 ).

Moreover, in accordance with the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, I hereby revoke any prior express consent that may have been given for you to call my cellular phone number using an automatic telephone dialing system or artificial/prerecorded voice.

Please be aware that any failure to comply with this request may result in further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing civil litigation under FCRA 1681n for willful non-compliance.

I appreciate your prompt attention to this matter. If you require any additional information to facilitate your investigation, please contact me in writing at the address listed above. 

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

I have unauthorized inquiries on my credit report. XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX )
Product: Credit card

On or around XX/XX/XXXX, I noticed an {$8.00} charge on my Paypal Mastercard, I then proceeded to cancel the charge, then after I canceled, I called Paypal Mastercard so that they would explain the XXXX XXXX day which I had been charged since XXXX ( for over 4 years by the time I discovered it ). I then spoke to an agent who explained it and its purpose. I then told them it sounded like a good feature and would like to enroll me back. The agent explained what I needed to do, and I did as I was told. After a couple of attempts to enroll back, nothing happened. I then called Synchrony Bank ( XXXX ), and they promised that someone would call me back about the issue. Nobody, called then I called them on XX/XX/XXXX, and explained to them since nobody has called me since my last attempts to enroll back in the program, I would like a refund for the $ XXXX I paid for over 4 years. The agent then told me that she could only refund me {$17.00}, and that's it. 
Please, this is not right, I paid $ XXXX for over 4 years. 
PLEASE HELP ME WITH THIS ISSUE. 

In addition, the company has now closed the credit card for some fake reasons. 
XXXX XXXX ( XXXX ) XXXX.
Product: Mortgage

To whom it may concern, We are writing this letter in response to the trial modification that has been proposed. Based on the information given with the calculations in place this file should have been considered quite differently. We have not as of this day, received an explanation as to how the calculations have been calculated. The income Gross total is {$12000.00} the total Net income is {$12000.00}. The total PITI payment on this loan is {$7900.00} which gives us a HTI of 65 %. The question remains, how are we supposed to make a payment that is more than the current only to increase the HTI to a high 70 %. ( Please see submission with Loan Restructure Proposal attachment ) We feel as if they have been bullied into accepting the trial modification for fear of losing their home to foreclosure. We have lost a considerable amount of income due to Covid19 when we had to close their business. The business is still not on track and not producing the income to support more than what is being made to put back into the business to keep the doors open. At this time we are requesting the calculations that the underwriter used to calculate this trial agreement. In addition, the property evaluation came in at between $ XXXX {$910000.00} ( please see XXXX attachment ) the surrounding homes in the comps are distinctly less Valued. We are concerned that the evaluation was wrongfully appraised for the lenders benefit. 
Please review the attached documents showing the actual income and DTI/HTI. We are looking for explanations that allow for a 2nd look at the numbers that were calculate and come to a more favorable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of a XXXX 's XXXX XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified that I have never had a late payment. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.