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

I am disputing several inaccuracies and inconsistencies on my credit report. Here 's a breakdown of what happened : Incorrect Personal Information : The address listed as " XXXX XXXX XXXX, SC XXXX '' is inaccurate, and I am requesting its immediate deletion. 

Late Payment Updates : Several accounts are inaccurately reported with late payments. I am citing 15 U.S. Code 1681a ( 2 ) ( i ), which outlines exclusions for certain transactions, and requesting that the following accounts be updated to reflect " paid as agreed, never late '' : XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX Validation of Debts : For the XXXX account ( # XXXX ) and XXXX ( # XXXX ), I am invoking 15 U.S. Code 1692g, which requires debt collectors to validate alleged debts. I am requesting specific documentation, including : The original application, contract, or note bearing my signature.

Any notarized agreement authorizing the debt collector to collect this debt. Without this proof, I am demanding these items be deleted from my credit report. 
Permissible Purpose : For the XXXX XXXXNC account ( dated XX/XX/2024 ), I am questioning its inclusion under 15 U.S. Code 1681b ( a ) ( 2 ), which governs permissible purposes for consumer reports. I am requesting its removal if no permissible purpose can be verified. 
FCRA Compliance and Consequences : I am emphasizing my rights under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, which mandates credit reporting agencies to complete investigations within 30 days. I do not consent to automated verification methods like e-Oscar and am holding the agency accountable for proper verification. If my disputes are not resolved satisfactorily within the timeframe, I am prepared to file a lawsuit for : Defamation Negligent Enablement of Identity Fraud Violations of the FCRA, seeking {$1000.00} per violation. 
This letter represents my formal challenge to these discrepancies, and I expect timely and thorough action to correct the errors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Comenity Bank XXXXXXXX XXXX XXXXXXXX **Subject : Cease and Desist Notice Regarding Unauthorized Information Sharing and Credit Reporting** To Whom It May Concern, This letter serves as a formal **Cease and Desist Notice** regarding your companys unauthorized sharing of my personal and financial information, as well as its continued reporting of inaccurate or unauthorized data to credit reporting agencies. Such actions constitute a violation of my rights under the **Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) ** and other applicable laws.

Pursuant to the FCRA, I am asserting my right to dispute and demand the immediate cessation of any further dissemination of my personal or financial information. Furthermore, under **15 U.S.C. 1681b**, my consumer report may only be provided under specific legal conditions, and any improper sharing of my data violates these provisions.

Additionally, under **15 U.S.C. 1681n and 1681o**, I am entitled to seek damages for willful or negligent noncompliance with the FCRA , including statutory damages, actual damages, punitive damages, and attorney fees. If your company does not take immediate corrective action, I will pursue all available legal remedies, including filing a lawsuit for damages resulting from your unlawful actions. 

**Account Number ( s ) : XXXX, XXXX, XXXX, XXXX ** Accordingly, I demand that you : 1. **Cease and desist** from further sharing my personal and financial information without my express authorization.

2. **Delete and remove any unauthorized or inaccurate information** related to my account from my credit report.

3. **Provide written confirmation** within 30 days that all necessary corrective actions have been taken to comply with this request. 

Failure to comply with this demand will result in legal action without further notice. I trust you will take this matter seriously and act in accordance with your legal obligations. 

Sincerely, XXXX XXXX
Product: Student loan

I paid off my Genesis loan I obtained through the XXXX schools then they were sued. I would like a refund for the fact that my attendance dates fall within the dates the schools were sued.
Product: Mortgage

Union Home Mortgage provided me a mortgage on a new construction home from XXXX XXXX, which closed on XX/XX/XXXX. In XXXX of XXXX I discussed paying off this loan in full but was notified there was a backdoor deal between Union Home Mortgage and XXXX communities where and escrow hold document ( included ) was created for incomplete work on the home. This escrow document was not shared with me at closing nor were any funds held by the title company as noted on the document. 
I believe it is required that they disclose all documents related to my mortgage and home purchase prior to closing. 
On XX/XX/XXXX I began communicating with Union Home Mortgage to get more details about this non-disclosed escrow document and funds which should have been retained for work not completed per my purchase contract. 
I contacted XXXX XXXX XXXX who stated they were not holding any funds as were referenced on this document. 
Union Home Mortgage said that no funds were held and if I pay off the mortgage I have no recourse on recovering the funds due or work being completed. 
I think the Truth In Lending Laws and I have been violated and now that this mortgage has been sold to XXXX XXXX, by not disclosing and recording this appropriately so have they. 
Having the mortgage company who is associated with the builder hide and not collect funds at closing for incomplete work does not seem legal or ethical. 
I am now prevented from paying off the mortgage or I would have this liability. 
Email communications are attached and identify several steps where incorrect information was provided and through my contacting the various parties I have discovered the issue at hand. 
I think Union Mortgage should be required to obtain the escrow funds back from XXXX communities and held at the title company as designated on the doucment they agreed to without my knowledge.
Product: Credit card

I have ensured this account 's payments are always timely and never overdue. I am unsure about the reasons for the late payment remarks on my accounts. As stated in 15 USC 1666b, billing errors should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chapter XXXX bankruptcy was discharged this XXXX, 2020. After reviewing my credit report I see that my existing mortgage with USBank Home Mortgage is no longer reporting on my credit report. This loan was NOT included in the bankruptcy and is in good standing with all payments being made on time.

After multiple conversations with my local branch as well as the mortgage branch I have been told they no longer report once they have been notified that a bankruptcy was filed, even though this loan was not included. Now that it has been discharged, my expectation is that this loan now reports past as well as future payments so that future creditors can see that I DO have current credit.

Without my mortgage reporting I am unable to get further credit in order to establish a positive credit score.
Product: Credit card

I am writing to file a formal complaint concerning the denial of my American Express credit card application. My application was declined on the grounds of my refusal to provide financial records. This requirement was imposed despite the fact that there exists no prior business relationship between American Express and myself. 

Following the denial, it has come to my attention that American Express may have misrepresented my credit history to justify their decision. This action not only undermines my trust in their processes but also suggests a deliberate attempt to obscure the true reason for denying my credit extension. Such practices raise serious concerns about transparency and fairness, suggesting a violation of my right to equal opportunity in accessing financial products. 

Moreover, it is important to note that American Express, as a company that generates revenue through account receivables, operates within the realm of issuing securities. By electronically signing my application, I was, in essence, tendering a security. This element of the transaction highlights the significance of the application process and the responsibilities of American Express to maintain integrity and fairness. 

This complaint is being submitted to request a thorough investigation into the practices of American Express regarding the handling of credit applications and the alleged fabrication of credit history narratives. It is crucial that consumers are treated fairly and with respect, especially in matters as significant as access to credit. 

I trust that the Consumer Financial Protection Bureau will consider this complaint seriously and take appropriate action to ensure that consumer rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are not belong to me. They were opened like a fraud and must be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$68.00}
Product: Money transfer, virtual currency, or money service

Citibank XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Wire transfer for {$5000.00} on XXXX/XXXX/XXXX. I have tried contacting this man, I have contacted the police in XXXX XXXX, CA and no such person exists according to their records. He has presented a fraudulent identity and needs to stop. I have mailed him through regular mail and also registered mail and it gets returned. I want his bank account frozen and my money returned. He 's a thief.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

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

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

On XX/XX/21 I sent XXXXTransunion a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responed with a letter included with my credit report stating it was " verified '' through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXXXXXX could not verify this item so they deleted it from their database. 

I then went back to XXXX/Transunion on XX/XX/21 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this unverified item which is imploding on my ability to purchase a home and causing me to pay thousands more in intrest every year. 

This item needs to be deleted from my credit report if itcan not be verified within 30 days.
Product: Debt collection

This company has violated my rights and has not responded to the demands imposed upon them from my cease and desist. They have contacted me without my written consent or the expressed permission from a court of XXXX XXXX. That's a violation. Also, they clearly stated that they were in the debt collection business by using logos on the letter they sent. They also stated such amount of debt is owed which is another violation. I have been taken advantage of this debt collector and they have been using unfair practices to collect an alleged debt. I am in complete distress
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX adhered to my demand of removing capital or from my consumer report then a few days later placed it back on as verified. I was never given further information as to how this alleged debt was validated. Im lodging a formal complaint for the PERMANENT REMOVAL AND BLOCKING OF ANY ALL ALL REPORTING FROM CAPITAL ONE.
Product: Mortgage

Wells Fargo gave me the option to not pay two months of my mortgage because of the hurricane that hit Florida in XXXX. They said they would modify my loan putting those payments at the end of the loan. In XXXX they sent me papers to sign but my father was still listed even though I told him that he passed. I had to bring in his death certificate in so they could take him off. Me and my father bought our house together with the right to survivor clause with my mother signing away any rights to the house if he passed. This was done at the closing. When they sent me new papers to sign they put my mother on the mortgage making her financially responsible for the house. They did this on their own without any permission. I called and asked why they put my mother on and they said that when one spouse dies the law in Florida says that they assume his debt. I was told to get a quick claim deed and file with court house and send them a copy and they would take her name off. I did go and was told that my mother is not on the deed and you cant take someone off if their not on the deed. I went there to verify that she was not on anything relating to the house. I reached out to the bank and they put me in touch with their executive office after I said I was going to consult an attorney. That was in XXXX and still nothing has been resolved and to make matters worse they are charging me delinquent charges over {$4000.00}. They said it will go away once me and my mother sign the papers. I am current on my payments never being late. It is like they are forcing me to put my mother on the mortgage. I talked to them on XX/XX/XXXX and was told that they are working on my case they never reach out to me except letters telling me about my delinquent charges.
Product: Credit reporting or other personal consumer reports

I need your help addressing the false account information on my credit report. This situation has negatively affected my reputation, and I require your assistance. The way my credit report has been managed has put me in a difficult position, and the incorrect data has damaged my reputation. Please correct these mistakes so I can restore normalcy for my family.
Product: Debt collection

I noticed a collections account when checking my credit report. The company is Diversified Consultants, Inc ( DCI ), found here : https : //www.dcicollect.com, ( XXXX ) XXXX-XXXX I have contacted the DCI, provided my correct contact information and requested a bill. DCI had an address on file that I have not used in about 8years, and was not the one found on any credit report. The company reports negatively monthly to the credit bureaus. I have made multiple attempts to contact DCI via the telephone number associated listed. During one phone call during normal business hours there was no one able to provide any information regarding my account. DCI has failed to attempt any means of communication since I contacted them the beginning of XX/XX/2018. I personally believe that DCI 's practices are unethical. Attached is the closest thing to communication from DCI ... A screenshot from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company EQUIFAX included on XX/XX/2021 in my credit score a dispute that affects my score without my approval. Unfortunately, this situation affects the acquisition of services and goods for the well-being of my family. 

I ask that the information about XXXX XXXX XXXX, XXXX be deleted from my credit report. Thank you
Product: Credit card or prepaid card

In  XXXX  2017, Chase Financial unilaterally closed my Chase Freedom Credit line. They cited the account was being closed due to non-activity. I did not receive any advance notice. The card had no balance at the time. I contacted Chase representatives and they informed me that there was no way to reverse the impending closure of the account. This will affect my " available credit '' and my FICO score. I am beng penalized for being a responsible consumer and not using my credit card.
Product: Vehicle loan or lease

Ive been trying to get my registration switched back Over in my name since XX/XX/XXXX... they finally sent me the paper work to have it switched back over but its taken to long and Im getting the run around. Ive been paying for a rental car and making my car payment I cant afford to do both anymore I need my registration back in my name ... its bad enough I cant get the XXXX Ive spent on a rental car back .. now here it is almost another month I still cant XXXXXXXX XXXX XXXX and I still have to make payment or they are gon na repo my car and its not fair. How am I gon na keep getting back and forth to work with no car but yet Im still paying on a car that I cant XXXX XXXX. Im over Bridgecrest and how they did me was so unfair.
Product: Vehicle loan or lease

I paid my auto loan off early in XXXX of this year in full to close my auto loan and they continued to debt my bank account via autopayment the following month. The overpayment took over 25 days to receive from them via check. My XXXX Balance/Account closed or paid in full letter was sent signed and dated XX/XX/XXXX and my closed Paid IN FULL Promissory Note, Disclosure, and Security Agreement from them was dated XX/XX/XXXX. 

The issue is my loan was paid off early, then they debited my bank account to overpay, took 25 days for reimbursement, Paid in Full dates do not match and now they are tried debiting my bank account two months later after my account has been closed and paid off! 

Now they have deleted payment history on their website, reopened my account and even debited my bank account without my permission AFTER MY ACCOUNT WAS PAID OFF AND CLOSED TWO MONTHS PRIOR! 

I have requested a written explanation in accordance to 15 U.S. Code 1692g - Validation of debts and have not received anything in writing. They have also deleted my payment history from their website by deleting my last payments and even the reimbursement of when they kept debiting my bank account even after it was paid off ... creating an overpayment for over a month. Do not TRUST THIS COMPANY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve been working with the creditor and credit bureau to deleted promised information. Non of the collections on my report where mines and I was forced to pay or the said my credit would remain ruined. They said they would permanently delete the accounts from my credit. This is frustrating. They are dishonest companies. I want all these accounts deleted from my credit report. 5 accounts XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  XXXX XXXX Reported : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX
Product: Credit reporting

My name is on a account that is my ex girlfriends account, i stopped receiving the bill and even called on this issue and could not get it resolved due to the fact it is under her name. This put a negative XXXX on my credit score and i would like to resolve this NOW.
Product: Debt collection

For some reasons, my mortgage was transferred from Quicken Loan to XXXX XXXX XXXX on XX/XX/2020. My bank account was charged that month by both companies ( Quicken Loan and XXXX XXXX XXXX ) as they couldn't manage to properly cary over the automatic paiement settings that was in place. That created lots of confusions around the status on my paiements and XXXX XXXX XXXX opened an investigation that is still pending. 
While we are all waiting on the result of that investigation, they keep reporting a debt on my account which hurt my credit very badly, affecting my family and my business reputation.
Product: Credit reporting or other personal consumer reports

This morning, I found accounts on my credit report that are completely inaccurate, and Im absolutely clueless about how this happened. Checking my credit report is a routine for me, and Ive never seen anything like this before. I thought maybe it was a mistake with the browser, so I refreshed it multiple times, but the errors didnt go away. Im at a loss and urgently need the documents I provided to be reviewed with care to fix this.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address the presence of fraudulent items on my credit report. Upon reviewing my updated report, I noticed that some of these items have been removed, for which I thank you. However, some fraudulent items still remain. I kindly request that the three credit bureaus remove the following fraudulent items from my credit report : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block .Inc ) due to inadequate costumer sevice and unfair practices, which violates the Costumer Financial Protection Act ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected..Furthermore, their dispute resolution was unfair and deceptive, and did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions as caused significant inconvenience and financial lost and seek appropriate redress for these violations
Product: Mortgage

On XX/XX/2019, I made a {$15000.00} payment to my mortgage servicer, Mr. Cooper, and instructed that the entire payment be applied to my principal balance. Mr. Cooper applied {$850.00} of the payment to interest. I have contacted Mr. Cooper and it has not corrected the error.