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

I am writing to formally dispute the validity of a debt reported by XXXX XXXX for {$830.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, Transunion, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Vehicle loan or lease

Vehicle returned to dealership for mechanical reasons and didnt get car repaired or returned. Vehicle still showing up on credit report and I have been trying to get it removed for a few years.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX according to XXXX  Debt Final Rule 1002,142 ( b ) ( 4 ) 51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a Victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be block and delete company information TransUnion. Please delete the following accounts XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX I Kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted company information TransUnion.
Product: Mortgage

As always, I sought to make my mortgage payment on the first of the month online. Mr. Cooper previously rejected a payment made through my bank, XXXX XXXX, so since then I used the online process. On XX/XX/XXXX through XX/XX/XXXX, the Mr Cooper website stated that there had been a cybersecurity incident, and no payments could be made. On the evening of XX/XX/XXXX, the site claimed to enable payments by alternate means. The Phone option failed to recognize my phone number four times so I could not use it. I used an unusual online one time process that said I had completed the payment and that it had been accepted. I took a photo of the alleged receipt. However, by morning that site said the payment could not be processed. I attempted to reach customer service by phone. However the Phone message said no customer service could be had. My bank statement shows no payment. The Mr Cooper site says no payment has been made. I tried to create a customer service ticket and sent it online, but four times the site said that the ticket could not be sent.. Despite the security incident, there should be phone service or some other functional service to clarify whether payment has been made. 

Mr Cooper has a history of extensive customer fraud. it is time consuming and frightening to deal with this entity. I can not afford to make more than one mortgage payment per month. 

I need to know whether my payment has been made. I have the photo that shows alleged acceptance, but as previously stated, I am unable to confirm payment and have some indications that Mr Cooper disavows the payment.. 

I do not know why this horrendous entity is not closed... .it is harmful to consumers and completely uncooperative and frightening to deal with..
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} ; XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A judgment was levied against me after credit card debt was sold from XXXX to XXXX  XXXX XXXX, and I was XXXX  XXXX and on Social Security XXXX. I did not even know there was a judgment against me until I began to look for apartments and realized that suddenly no one agreed to rent to me unless I paid a year 's rent upfront, which was and has been impossible. The law firm that rendered the judgment will not remove it and I can not afford to pay it. My understanding has been that because I have been XXXX  XXXX, this judgment should not have been rendered in the first place. 
This judgment occurred sometime in late 2008. It is for {$12000.00}. ( I desperately need to move from a dangerous living situation, but no one will rent to me as long as this judgment remains. ) Apparently, this occurred with many individuals and a class action suit was filed against XXXX and XXXX  XXXX XXXX. But the attorney, XXXX XXXX, who issued these judgment has refused in general to remove them.
Product: Checking or savings account

I have a small balance ~ {$11.00} in my Albert account. I want to withdraw this balance and close my account. Albert won't transfer nor close my account, as it wants a linked bank account statement. The linked XXXX XXXX bank account was already closed. I have provided a most recent statement and Albert still won't close my account and return me the money. 


I want my account completely closed with Albert bank, and any remaining fund in my account be returned to me via a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies stated my account was properly investigated but how is that possible if the accounts are inaccurate. This is grounds for removal and they also violated my rights under 15 USC 1681 602 a states I have the right to privacy and 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

Inaccurate accounts XXXX acct # XXXX XXXX XXXX XXXX XXXXcct # XXXX US DEPT OF EDXXXX  # XXXX ( multiple accounts ) same acct number XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX I want a {$1000.00} per violation or accounts removed from my credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a paid medical collection that is still being reported on my credit report. Under current law, paid medical collections should not appear on consumer credit reports. Your continued reporting of this account is a violation of the law, and furthermore, you have failed to accurately update the account as paid. 

Both XXXX and XXXX have already removed this account from their reports, and I request that you do the same immediately. 

Please update my credit report accordingly, or I will consider legal action for non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan account begin in XX/XX/XXXX as {$21000.00} with XXXX XXXX XXXX XX/XX/XXXX - charge off on account XX/XX/XXXX - MRS BPO LLC reports as {$30000.00}. 

The account is not accurate.
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. 
I told XXXX, Transunion, and XXXX to reinvestigate these 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 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Payday loan

A few years ago I applied for a payday loan at Always Money located off of XXXX XXXX XXXX in XXXX, AL. This company went through name change and my last known balance with them was about {$330.00}. Also this company went through management changes so many times that it got to a point where they could n't find my account in the system and that they said I did not owe them a balance anymore. Now, it 's been a litigation office that calls me non stop almost every day about this account stating that I owe them about $ XXXXplus on the account. The name of the company is XXXX that is located off the XXXX XXXX. They would not give me there full address because of privacy reasons. They call from unknown numbers, local numbers and toll free numbers. When I look up their info on the internet it reads Fraud/Spam and the customer reviews says the same thing. A lady named XXXX XXXX from XXXX says that she will have my located on the premises of my job if I do n't pay them. I feel that this company is a spam and I dont want to give them any account information over the phone to pay them. They call me all day every day and if I fail to answer them they will call my sister, aunt, mom and harass them too. That is also embrassing and I dont know how they could possibily had got their phone numbers but we do not have a common name so that may be the reason. Is it true they can come to my job and serve whatever it is? They never verified my place of employment.
Product: Prepaid card

In XXXX, I purchased a prepaid American Express Gift Card on the American Express Gift Card site. This card processed on XX/XX/XXXX for {$700.00}. Upon getting the card, I noticed that there were XXXX transactions at XXXX on XX/XX/XXXX, XXXX XXXX. XXXX was for + {$.00} and the other was for - {$96.00}. I called American Express to discuss the unauthorized charge. American Express listened to the complaint, but said I needed to contact XXXX about the matter. I never heard back from American Express. XXXX said there was nothing they could do either, so I began to think I just lost almost {$100.00} through no fault of my own and wondering how this could have happened after having purchased directly of the American Express website. 
In XXXX of XXXX, I still had not used the balance and decided to try again. XXXX again said there was nothing they could do on their end. So my wife and I called American Express again. They listened to the story and said that they investigated back in XXXX and determined that they would not refund the unauthorized money to the account. We told them that no one ever contacted us to let us know this determination and could we open another complaint to be able to be a part of the process since we paid for a {$700.00} gift card and we were only able to use around {$600.00} of it. They said they would need the previous case number from XXXX. They never gave me a case number. I had no idea they had even opened XXXX up given there was no communication about it. I asked for the case number and they refused to give it to me despite me having all the information for the gift card. They said since I didn't have a case number, there is nothing else for me to do. I asked for a supervisor who initially said the same thing until I told him I'd be escalating this since this seems like fraud that we received a gift card purchased directly from the site that showed up with money already spent on it. He said he'd file another case that would take 45 days. I let him know I was going to file a report on this site and then he ultimately said he would try and push the matter through quicker and that I should call back in a couple days to find out what they decided. 
At this point, I feel like I need more help for this matter than just the customer service representatives. I've searched the internet and this seems to be an issue with many other people.
Product: Credit card

On XX/XX/year>, I scheduled a payment to Synchrony Bank for payment of my XXXX XXXX XXXX credit card. The payment was scheduled through my banks bill pay system, like I have done for about a year now. The payment is due on the XXXX  of each month. I discovered a few days after the due date that my payment had not been credited to my account, and I was charged a late fee. I contacted my bank first to make sure there wasnt a problem there. Then I contacted Synchrony concerning the issue. They claimed they had not received the payment even as of then. This was around the middle of the month. They opened an investigation ticket, and I sent them proof from my back that the payment had indeed been made. Eventually they found the payment and it was credited to my account along with a refund of all fees. I made my XXXX and XXXX payment without issue. I scheduled my XXXX payment to be delivered electronically on XX/XX/XXXX. Here again, the payment never got credited to my account. As of today, they still claim they dont know where my payment is. They opened another ticket and I sent the proof of payment in the same format as the last time. This time I actually called them, spoke to XXXX different agents in customer service, and called their dispute department as well after obtaining that number from the XXXX XXXX agent ( who was a supervisor of another supervisor I spoke to as well ). I have no idea of what is going on because apparently they dont know either. This is now beyond an annoyance, and I feel like something is wrong in their payment department. I also got the impression that Im not the only one having this issue. It seems to me that maybe they have found a way to charge late fees by claiming the payments are late.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer and Miscommunication : The account was transferred and there was a delay in processing the transfer. Any late payments that were reported during this period should not have occurred as I was under the impression that the account was in transition, which can be confirmed through payment records. 
Payment Processing Delays : There may have been a miscommunication between XXXX and the servicer during the transition. I had initiated payments during the normal billing cycle, which are reflected in my transaction history prior to the account transfer. This delay should not have resulted in a 120-day late payment.

System Error in Reporting : I had already raised a dispute, which was marked as resolved. However, the XXXX late payment still remains inaccurately on my credit report with TransUnion, indicating that the dispute was not appropriately resolved. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX Dear Credit Bureau, I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX Account Information Account Number : XXXX ( XXXX ), XXXX ( Experian ), XXXX ( XXXX ) High Balance : {$4000.00} ( XXXX ), {$0.00} ( Experian ), {$2400.00} ( XXXX ) Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( all three ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian, XXXX ) Balance Owed : {$4000.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) Account Rating : Derogatory ( all three ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( XXXX, Experian ), Account disputed ( XXXX ) Creditor Type : Miscellaneous Banks ( XXXX ), Bank Credit Cards XXXX Experian XXXX, All Banks ( XXXX ) Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Charged off as bad debt ( XXXX ), Subscriber reports dispute resolved - consumer disagrees ( Experian ), Consumer disputes after resolution ( XXXX ) Payment Amount : {$0.00} ( all three ) Last Payment : XX/XX/XXXX ( XXXX, Experian ), XX/XX/XXXX ( XXXX ) Term Length : XXXX ( all three ) Past Due Amount : {$4000.00} ( all three ) Account Type : Credit Card ( XXXX, Experian ), -- ( XXXX ) Payment Frequency : XXXX ( all three ) Credit Limit : {$2500.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : XXXX. High Balance : Different amounts reported by XXXX ( {$4000.00} ), Experian ( {$0.00} ), and XXXX ( {$2400.00} ). 
XXXX. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
XXXX. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
XXXX. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 
Enclosed are copies of my credit reports from XXXX, Experian, and XXXX, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This is a old Dept from XXXX they keep resale the dept to other collations company no settlement was every offer. Send proof of settlement offer and when account was open. When I dispute it they keep selling it to other collections company destroy my credit. I need help. No offer to settle Debt. It should have drop off my credit. Portfolio recovery when I dispute it they take off them resale Dept and put it right back on my report.