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

I am writing to express my dissatisfaction with the handling of my previous disputes regarding the late closed account appearing on my credit report. Despite multiple attempts to rectify this issue, the inaccurate information remains on my credit file. I believe this is a clear violation of the Fair Credit Reporting Act ( FCRA ) and requires immediate attention. 

I have attached copies of my credit reports highlighting the specific account in question, as well as supporting documentation that clearly demonstrates that the account should be removed. 

Despite these efforts, the late closed account continues to negatively impact my creditworthiness. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been adequately addressed. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate information from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, outlining the steps taken to rectify the situation. 

If my concerns are not addressed in a timely manner, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove the late closed account in my credit file : XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit card

I have been a card holder for 20 years. I have not used my card in over a year. While making those payments my minimum payments continue to climb on time. This has been an issue since spring 2024. It feels predatory. I get it can take longer but this looks wrong and call center offered no relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX CCOUNT DETAILS Account Name - Account # XXXX Original Creditor - Company Sold - Account Type COLLECTION Date Opened XX/XX/2020 Account Status! - Payment Status Unpaid Status Updated XX/XX/2020 Balance {$1900.00} Balance Updated - Original Balance {$1900.00} Monthly Payment XXXX  and Transunion put this on my report 3 times now just changed the name. 
law does not permit this without notifying me first within 5 business btw FTC violations sent the police report and ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$2000.00} XX/XX/XXXX XXXX {$340.00} XX/XX/XXXX XXXX {$2500.00} XX/XX/XXXX XXXX {$2100.00} XX/XX/XXXX XXXX {$18000.00} XX/XX/XXXX XXXX {$11000.00} XX/XX/XXXX XXXX {$120.00} XX/XX/XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ky XXXX My social security : XXXX All of these accounts I have reached out to the company to get them resolved I disputed them and they have never taken them off even the close accounts they won't even take off and it's hurting my credit score tremendously
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed inaccurate addresses on my reports.
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source ofXX/XX/XXXX, and I earnestly hope for a swift resolution.
Product: Mortgage

Greentree removes my tax money and does n't pay my taxes until a month later. This time they decided to raise my monthly impound to cover this, by {$1200.00} a year, saying there is a {$970.00} shortfall. There is no shortfall, they just remove $ 4K+ from my account a month early. 

I have proof of the withdrawal and the fact that my taxes remain unpaid. They did this in XXXX of last year as well. I opened a case up then as well. 

I have since requested that impounds be removed for all but the mortgage insurance.
Product: Credit reporting or other personal consumer reports

I couldn't believe it when I saw inaccurate accounts on my credit report this morning. I'm completely at a loss as to how this could have happened. I've always checked my credit report regularly, but today, out of nowhere, there were errors. I even tried refreshing my browser, thinking it might just be a glitch, but the inaccuracies were still there. This is really troubling, and I'm urgently requesting a thorough review of the documents I've sent so that I can avoid this kind of stress in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : .US DIST CT RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my pe

rsonal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Bank account or service

Suntrust Bank that I had at least XXXX personal and business accounts for over 25 years decided to close my accounts for no reason. 
I was on travel XX/XX/XXXX and I was trying to use my debit card to purchase my return plane ticket from abroad and I could not access my debit card and I could not get explanation from a representative why I am not able to use my card. 
This caused me a huge inconvenience while I was XXXX miles away and was not able to have access to all my fund/debit card. 
Upon my return home, I found/received several letters from SunTrust that they will close all of my XXXX accounts by XXXX XXXX. In the letter, all my accounts were listed except XXXX. 
In this letter they listed XXXX of my account including my money market, savings, checking and payroll accounts. The only account they left unclosed is XXXX business account. 
This devastating irresponsible action by Suntrust had left me a mess. All of my bills was paid by a bill payer, my mortgage, utilities, life insurance etc. 
After being a loyal customer to Suntrust for so many years without bouncing a check or any problem to my knowledge they abruptly interrupted my accounts and it is still a mystery. This has caused me huge inconvenience until I get another bank to resume my life. There were a couple of checks that were written to Suntrust from my checking account in XX/XX/XXXX that I requested for an investigation because the amount on those checks were over XXXX I never received an answer till date. 
I doubt if that is the reason they decided to cancel my accounts. 
I would like an explanation of the XXXX checks written to Suntrust in XX/XX/XXXX and I would like to know the reason why my accounts were closed causing me distress.
Product: Debt collection

My wages have been garnished from a public case dated XX/XX/XXXX without my knowledge. 

After moving from an address, another entity took the creditors catalog ( XXXX ) and used my account to order massive products. When I received the bills I disputed them immediately. They were done by someone with a different name than mine. 

A fraud alert was filed with XXXX XXXX on XX/XX/XXXX. 

The creditor did not address this alert. Instead they sued me in XXXX XXXX I lived in. At the time, I was under complete duress with a still born child and a parent in hospice. 

My options for resolution were never disclosed. 

The account was purchased by Midland Credit Management. 

The creditor has now since garnished my wages without me receiving any paperwork to the effect. 

I have contacted Midland Credit Management for this alarming issue and was advised to start an appeal. They did confirm they sent the paperwork to an old address. 

My current address was provided to them. 

How can I get this resolved?
Product: Credit reporting or other personal consumer reports

I think FCRA 605B compels us to delete any incorrect accounts from my credit report. Could you examine the documents? Some accounts have wrong reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate personal information and the reported late payment on my credit report, as these errors are having a direct and detrimental impact on my financial well-being and creditworthiness. Credit reports play a crucial role in determining a consumer 's ability to obtain loans, secure housing, and access financial opportunities, and any inaccuracies can cause significant, unnecessary hardship. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a legal obligation to ensure that all information included in a consumers credit file is accurate, complete, and verifiable. When incorrect personal details or erroneous late payments appear on a credit report, it creates a misrepresentation of a consumers financial history, potentially leading to higher interest rates, loan denials, and other adverse financial consequences. 

Because of these errors, my credit profile does not accurately reflect my actual payment history or financial responsibility. This is unacceptable, and I am exercising my rights under the FCRA to request an immediate investigation into these inaccuracies. The errors outlined below must be promptly corrected or permanently removed, as failure to do so would constitute a violation of federal consumer protection laws.
Product: Checking or savings account

I need to access my safety deposit box at the Wells Fargo XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX, GA XXXX ), but I have not been able to get in touch with someone who can get me access to the box. The branch is supposedly temporarily closed due to Covid-19. I have contacted Wells Fargo and followed their process to gain access, however I have not gotten a response from anyone that can help me. This has been ongoing since XXXX XX/XX/2022. I need to access important papers in my safety deposit box asap.
Product: Consumer Loan

I, m paying XXXX a month for 41 months on a 2007 XXXX sport vehicle think this is excessive The company I make payments is Orbit Leasing INC. XXXX, mi XXXX. VIN # XXXX Please look into this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have reached out to you in reference to an XXXX account reporting on my credit as open when it should be closed. I have contacted XXXX and they have stated they cant find an account for me, which is odd as i have given them all the correct information because i filled the complaint through the CFPB, Which means the account is not validated with your company.Please look into this as well. there is a 3 year prescription law in the state of Louisiana and the remedy is you can not continue to collect or re age old debts, further more this company is not registered in the state of Louisiana to collect debt ( XXXX ). Please properly investigate and delete. 

Thanks : )
Product: Debt collection

I am writing to formally dispute the XXXX XXXX XXXX account being reported in collections on my credit report. This account was created without my knowledge or consent, and I have taken steps to address the matter with the collection agency involved. 

On XX/XX/year>, I contacted Sunrise Credit Services and spoke with XXXX XXXX. During our conversation, she informed me that the account in question had been recalled by XXXX XXXX  XXXX and was no longer in their possession. She further explained that Sunrise Credit Services reports active accounts to the credit agencies on a weekly basis. When I inquired whether they would still report an account they no longer owned, she confirmed that they would, stating that once an account is reported, it is not deleted unless paid in full. 

Additionally, a validation of debt request was mailed out on XX/XX/year>, and I have yet to receive any information regarding the status of the investigation. The lack of response to my request further reinforces the improper handling of this account. 

This raises a significant concern : If Sunrise Credit Services no longer owns the account, it should not be reported as being in collections by them. The continued reporting of this account by Sunrise Credit Services despite its recall by XXXX XXXX XXXX is inaccurate and misleading, which directly impacts my credit standing unfairly. 
Given this information, I am requesting the immediate removal of this fraudulent and improperly reported collection account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all reported information is accurate and verifiable. Since this account is no longer within Sunrise Credit Services ' possession and was not authorized by me, it should be deleted immediately. 

Please investigate this matter and provide written confirmation once this account has been removed from my credit file. If further documentation is required, I am happy to provide any necessary supporting materials.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Experian are not complying with fair credit report act guidelines now I have made complaint of these situations and Im not at liberty to keep wasting my time my rights are being violated and what the credit bureaus have done is illegal and upsetting I have made my payments on time on all my accounts and there also is accounts on my credit report that are over 7-10 years and it has no right to be on my credit the law is the law and you need to enforce to them that they are breaking it Im not going to repeat my statement i will take full legal action against all responsible because of not abiding by the law these accounts need updated and deleted I will attach my proof now you enforce this matter or I will sue both parties for breaking the law and they are reporting late payments which is not relevant to what it is I can prove I pay all my accounts on time I have had enough of their foolish lies they are to abide by the rules
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request to you to please correct my Credit File from erroneous reporting of accounts and information. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. XXXX XXXX XXXX Balance : {$64000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit card or prepaid card

I took advantage of the offer fro m Capital One to tr ansfer credit card balances over for 0 % interest for a period of time. The first transfer of {$8000.00} was to be interest free until  XX/XX/XXXX  ; and the second transfer of {$4000.00} was to be interest free until  XX/XX/XXXX . You only had to make their " interest saver '' payments to keep the 0 %. In  XX/XX/XXXX ,  Capital One star ted charging full interest on the balance that was to be set at 0 % even though I had made all of the interest saver payments. To do this, they increased the interest saver payment to the full balance knowing that most people are not able to pay. I had planned to pay the entire balance by the deadlines to keep the 0 %.
Product: Mortgage

In XXXX my mortgage loan was transferred to Green Tree lending, after 5+ years of being serviced by XXXX. In XXXX my husband and I contacted a bank to initiate a loan for a remodel of our house. But we found out we needed a reaffirmation agreement from Green Tree ( I went through a bankruptcy in early 2010 and the loan was not reaffirmed because either the Trustee would not approve, or XXXX did not -- -it unclear ). I contacted Green Tree starting on XXXX XXXX and was told after multiple calls that I needed my attorney to contact them ( I am XXXX and still do not understand why this is the case because I can XXXX ) ; However I went along with their request. Further, and prior to being told to have my attorney contact them, I left multiple messages for the customer services person I was told handled my account and was not called back. I completed a third party authorization form and my attorney faxed it. On XXXX XXXX I called Green Tree and was told they needed to check with their bankruptcy division. The bankruptcy division told me that I needed to re-open my bankruptcy before they would even refer it to their bankruptcy attorney for an agreement. However I was also told that they typically only do reaffirmation agreements within 60 days of the bankruptcy. I tried to explain that I was not even a Green Tree customer 5 years ago, but the representative did n't seem to understand. My attorney called on XXXX to verify that if I re-opened my case, they would indeed provide a reaffirmation agreement. She was told that Green Tree 's policy is to not do reaffirmation agreements. She pressed further and was told that Green Tree has a specific law firm that represents them for the geographical area where my house is located. She was given the name and number of the law firm. She called the law firm yesterday and left a voicemail. Today she called, was told they did n't know about my case, but then was again directed to the attorney she left a message for yesterday. She provided me the name and number of the firm and attorney and I called and was directed to voicemail. I also looked up the firm online and attempted to look up the attorney on the State bar website. I could not locate the attorney on either the firm website or the State bar website. I would like to understand if it is legal for Green Tree to have a blanket policy for not doing reaffirmation agreements. Also, what my rights are as the home owner with the lien. I would like to refinance the loan so that it is reaffirmed, but thus far am being told I ca n't refinance unless I have a reaffirmation agreement. But that my loan servicer wo n't do a reaffirmation agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX a natural person/consumer noticed i had identity theft on my recent credit report XX/XX/2022. Along with other things that were incorrect such as name addresses and employment. I filed a FTC report on XX/XX/2022 and have not got any type of response from XXXX, Experian, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts reporting on my file have inaccuracy in them- and for the past months, I've been making an effort of trying to reach out to your company so that it could get reinvestigated, re-checked and verified whether or not these accounts belong to me or are accurately reporting.
Product: Mortgage

Loan began XX/XX/XXXX. Prior servicer encountered no difficulty in receiving/recording payments. Commencing XX/XX/XXXX payment due date Account Statement indicates an amount due of {$270.00}. This amount was paid on or about XX/XX/XXXX. Late on XX/XX/XXXX an agent called to say that the wrong amount was billed on the statement and an additional amount was due immediately of {$1500.00} ( paid by phone ) to avoid being reported to the credit reporting agencies. Subsequent payments were made in the required amount due XX/XX/XXXX through XX/XX/XXXX. With the XX/XX/XXXX and XX/XX/XXXX statements Company indicates we are 6 months past due. No explanation given. Our credit reports indicate late and past due payments. Our credit is ruined and we are unable to get any kind of new credit or obtain a mortgage to purchase a home. We are unable to obtain/afford an attorney to help us with this matter. The situation has gone on now for almost one year and we have been unable to achieve any resolution with the Company. XXXX has opened an escalated investigation into this matter and thus far their efforts with Company have been unproductive. XXXX is getting the same treatment we are and getting no/minimal cooperation from the Company. Complete and verified electronic payment records have been submitted to the Company and XXXX, and are attached as scanned documents here. We have complete bank statements from the initiation of servicing by Company to further verify all payments have been made. It has been reported that this servicer has bilked XXXX out of XXXX XXXX dollars as has been revealed in a recently unsealed law suit by the Federal XXXX XXXX XXXX District Court.
See STATEMENT attached.