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

Subject : Final Request for XXXX and Notice of Legal Action To Whom It May Concern, Lendmark Financial XXXX XXXX This letter serves as my fourth formal request that has been sent via certified mail.For Lendmark Financial Services to provide me with a XXXX Cancellation of Debt for account number XXXX. Despite your failure to comply with my previous requests, you have reported this account as XXXX on my credit report and subsequently sold it to a collection agency. Your continued non-compliance is a clear violation of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ) and IRS regulations. 

According to the FCRA ( 15 U.S.C. 1681 et seq. ), a creditor who reports a charged-off debt is obligated to adhere to accurate reporting standards and must not misrepresent the status of a debt. Furthermore, the XXXX XXXX XXXX ( XXXX XXXX. XXXX ) mandates that creditors issue a XXXX for any debt cancellation exceeding {$600.00}. Your failure to provide this document while simultaneously claiming the charge-off on my credit report and selling the debt constitutes fraudulent misrepresentation and willful non-compliance with federal regulations. 

Your continued refusal to furnish the required XXXX, despite multiple requests, suggests an intentional effort to mislead and manipulate my financial records. This is not only unethical but also illegal. Your actions are grounds for a lawsuit under FCRA statutory damages ( 15 U.S.C. 1681n ) and actual damages for willful noncompliance. 

As a result of your violations, I am formally notifying you that I intend to pursue legal action against Lendmark Financial Services. I am prepared to file a lawsuit for statutory damages of up to {$1000.00} per violation, along with additional damages for any financial and emotional distress caused by your continued negligence. 

To avoid legal escalation, I am demanding the following : XXXX issuance of the XXXX XXXXXXXX XXXX XXXXXXXX for account number XXXX. 

Written confirmation that this account will be corrected on my credit report to reflect the accurate status. 

XXXX removal of any illegitimate collections linked to this account. 

A formal response within 15 days of receipt of this letter confirming compliance with my requests. 

Failure to comply will result in immediate legal action against your company, including but not limited to a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Internal Revenue Service ( IRS ), and a lawsuit in federal court. 

This letter serves as final notice before litigation. Please govern yourselves accordingly. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXXXXXX XXXX XXXX  ). Because the date of last activity, term length, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Money transfer, virtual currency, or money service

My PayPal account can not be linked to the bank and withdraw cash. I have called the customer service representative many times and the problem has not been resolved. Please " CFBP '' help me
Product: Checking or savings account

Today, XX/XX/XXXX approximately XX/XX/XXXX I received several calls from a Wells Fargo number XXXX. It's the same number on the back of my debit card. The imposter wanted me to verify several charges that morning with my debit card. I did not make any charges that morning. He stated two charges in XXXX, Florida, one at a XXXX for about {$240.00} and one at an XXXX store for about {$1000.00}. I said no. While I was on the phone he said our account was also being flagged for a XX/XX/XXXXtransfer for {$500.00} to someone named XXXX XXXX. I said no that was not me. In addition he said someone transferred {$1700.00} from my checking account to my savings account. I was very concerned because this showed they had access to my online banking. He asked if my husband might have made the transfer. I said no. He said he would have to close the account and give me a new account to transfer my funds into. He said it would take about 2 minutes and put me on hold. It all sounded very professional and I was looking at my account and it looked like there was a transfer made without my knowledge of {$1700.00} into my savings account. So I was glad I thought the fraud department caught it before it got out of hand. Then he came back on the phone and said he had to lock my phone? Asked what phone company I use and I told himXX/XX/XXXX. I was in a panic now so was going a long with it. Then he asked me to send my online pw : and then text it back to him with a space and " cancel ''. I did this unfortunately. Then he sent me a " new account '' and asked me to do a wire transfer of the balance. He said this is the quickest way to protect my funds. I was concerned and asked if I could verify that he was actually Wells Fargo. He gave me his name and employee number but I should have hung up and called back. I carried on and approved the wire transfer. He then said it would take about 24 hours but usually takes less than that. I hung up. 
Feeling uncomfortable I told my husband what happened. He soon started getting calls from " Wells Fargo '' and they were trying to confirm with him some charges on his debit card. The person seemed to have access to our online banking and our last four digits of our debit card. He said the phone " dropped '' or ended. So he decided to go in to a branch and they confirmed that it was all a hoax and the wire was still pending so they were able to cancel it. 
I'm just writing because the whole ordeal felt like someone from within Wells Fargo was commiting this fraud. They had all the language and ability to get in to our account information.
Product: Debt collection

I reached out to the Company to get a copy of the account in question or verification of the account that is more than XXXX XXXX XXXX, but they Refused to provide me with any proof of original contract or a signed contract between myself and their company. They refused to remove the fraudulent account and they continue to update the account to my credit report as if it recent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Discover credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with Discover card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with XXXX, XXXX and XXXX on XX/XX/XXXX. XXXX has closed the dispute after claiming that they have verified the information they are showing from Discover is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the XXXX report is XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Debt collection

This company sent me a letter in XX/XX/2017, informing me that they closed my account, and that they have instructed the credit Bureaus to remove it from my credit report. It was removed, and now the company have added it back to my credit report.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX  Account XXXX XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX Account XXXX XXXXXXXX Account Name : XXXX XXXX Account XXXX XXXXXXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX  XXXX Account Name : XXXX XXXX XXXX Account XXXX  XXXX Account Name : XXXX Account XXXX  XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer reports containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

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 know or has reasonable cause to believe that the information is inacurate
Product: Credit reporting, credit repair services, or other personal consumer reports

someone is using my Name without my permission I need this to stop
Product: Debt collection

Someone fraudulently use my personal information to create a RENTAL_OR_LEASING obligation with XXXX. I've never done business with them. 
It was also stated that I worked for a logistic company. This is not true either. I've worked for XXXX XXXX XXXX for 21 years.
Product: Debt collection

This company has been calling me all week. When I tried answering the first two times, there was no one on the line or I could not hear them. Then on XX/XX/XXXX at XXXX when they called, I answered and talked to a person. This heavily accented person asked for someone other than me. I said that he had the wrong number and that I didn't appreciate this company calling me two times per day everyday. I told him to remove my number from their calling list. Then he started asking if I know the person he was trying to call. I asked where he was calling from and he said something like XXXX XXXX or something. I told him that I am not that person and to take me off their list ; that they have the wrong number. My request has been ignored. They called my cell phone again that night at XXXX XXXX. and called me yesterday at XXXX and again at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Student loan

I had this loan since XX/XX/XXXX, the original amount was XXXX, ,a week before graduation, the XXXX XXXX XXXX XXXX, the state had taken the liscense away from the school through out the years i tried to pay when i could unfortunately i have medical issues due to XXXX and i was unemployed several times, i have tried many times throughout the years to ask for options with XXXX XXXX and navient at one point i was told my only option was i think it was a forebearance in which my loan sky rocketed to over {$9000.00} in XX/XX/XXXX i had a XXXX i went back to work part time XX/XX/XXXX i have been struggling medically and financially .XX/XX/XXXX i called and i spoke to XXXX a customer service rep i asked her about the ibr program she told me i had to put XXXX down or she could n't help me to call back when i had the money she also told me, she was going to take care of the ibr application i would have 0 payment till the following year and then i would have to do the ibr process again, i called back on XX/XX/XXXX i made the XXXX payment i thought everything was good till XX/XX/XXXXin XX/XX/XXXX i called navient and was told that i owe over XXXX because my ibr was never done, they wanted a payment of at least XXXX in which i do not have .Now my loan is in default for XXXX I have a part time and i still suffer issues from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase in the XXXX Macy 's store for {$8.00} on XX/XX/XXXX using my Macy 's credit card. I returned this item a few days later. I never received a XX/XX/XXXX or XX/XX/XXXX Bill. I thought my balance was " XXXX '' since I never received any bills and I had returned the only item i purchased during that time period. Note : Macy 's does n't send a bill if the balance is XXXX  The moment I received a bill I noticed I was past due and called up right away to see why. This was on XX/XX/XXXX. Customer Service was understanding enough to waive the fees however we were never able to figure out where the {$8.00} was credited back to since it never went back to my credit card. Macy 's customer service was supposed to investigate the issue. They never got back to me. I did n't have that much time to put into the issue since it was only {$8.00}. Now I am trying to get a mortgage and this late payment is weighing heavily on my credit score. I was never aware that this was a derogatory mark on my credit history until a year after. Macy 's never said anything about it at the time either. I have tried to dispute it through XXXX and XXXX with no luck. I 've tried to contact Macy 's. They keep saying they will get back to me in 72 hours which they never do. XXXX said you guys are the best so I am pleading for your help to resolve this. I have also resorted to starting a firestorm on Macy 's Social Media 's account and they still dont seem to care about their customers. I have learned recently that there are many people who are having the same issue as I am. Please Help! Thank you very much in advanced.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( block , Inc ) due to inadequate customer service and unfair practices, which violate the 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the EFTA and Regulation E. These actions of caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card or prepaid card

From the onset of my experience with Comenity Bank  My BJ'sPerks @ World Mastercard , this bank and credit card company has routinely taken 21-28 days to recieve in the mail credit card payments and then process and post said payments thereafter.I routinely charge several thousand dollars to this credit card every month and always pay the balance off in full immediately upon receipt of the monthly statement.Due to the intentional dilatory processing and posting practices of Comenity each and every month since they've been administering to this account, I learned to get my monthly statemnt on line to then mail out my full payment thereon the very next day.This prophylactic practice notwithstanding, Comenity Bank consistently and still to this day, takes almost four, ( 4 ), weeks to allegedly receive, process and post payments on my account.The XXXX XXXX  Mail is so efficient that common law ascribes a mailing to receipt time period of a few days at best.There can be no doubt that Comenity Bank is engaging in unlawfula dndiscriminatory banking and credit card processing practices to bait unsuspecting consumers into being assessed and paying unlawfully charges late and penalty fees to Comenity for it's own malfeasance and intentional credit card payment processing practices.I recently instituted a bank to bank transfer as a test to Comenity and despite it's remitted protocol on their web site for doing so, yesterday 's transfer true to form has not been allegedly received and/or processed to date.I have several emails that I have made to and confirmed receipt by Comenity Bank concerning this continuous incidious banking/credit card processing misconduct but to no avail.This ractice can not be tolerated or controled and adequarte penalties as a future deterrent must be imposed.Very Truly yours, XXXX XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX, a XXXX  meeting was held in regards to a Court Order involving the foreclosure of home equity loan. I represented myself at the meeting and requested that the lender, PNC Bank provide validation of my mortgage loan. PNC Bank had recently purchased the loan from Compass Bank. I asked PNC to show the delinquent payments in the form of individual monthly mortgage payments, rather than a lump sum of past due amount. I believe the amount of the delinquency was greatly inflated and did not represent the amount owed. At the Judge dismissed the Court Order to foreclose and asked us to work together. The Judge instructed PNC Bank to validate the mortgage loan according to the guidelines. During this time I was undergoing XXXX XXXX  at XXXX XXXX in XXXX, Texas. I did not hear from the mortgage company during the remainder of XXXX. They did not provide a debt validation letter. Instead, they proceeded to manipulate the loan by removing my home equity loan from the Judicial Court requiring a Court Order to foreclose to the county court that did not require a court order. At the end of XX/XX/XXXX, the bank scheduled foreclosure sale of my home for XX/XX/XXXX. I learned about the foreclosure a day earlier and filed XXXX XXXX Bankruptcy to stop the sale. I proceeded to get HUD counseling and debt remediation from PNC Bank. The XXXX XXXXXXXX was lifted because my attorney did not follow guidelines. As soon as the stay was lifted PNC bank set another foreclosure sale date for XX/XX/XXXX. I tried to work with the bank. I would soon be finished with XXXX XXXX  and that I would be able to earn income. The bank informed me that there was nothing I could do and that they would proceed with the sale. However, my previous XXXX XXXX had been lifted because my atty failed to file papers. Because of this neglect the stay was lifted and the PNC bank instigated another foreclosure sale date for XXXX XXXX. This time I refiled XXXX XXXXXXXX Bankruptcy to stop the foreclosure. The bank is not willing to help me. They insist on foreclosing on my home. I have spoken many times with the bank and the only solution they have is to take my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN EXPERIAN HAVE NEGATIVE INFORMATON REPORTING TO MY CREDIT FILE WHERE I NEVER HAD THESE AQCCOUNT AND IF YOU LOOK AT MY CREDIT REPORT XXXX  AND XXXX ARE NOT REPORTING ANY NEGATIVE ITEMS WHERE DID THIS COME FROM MAYBE THESE YOU GUYS ARE REPORTING SOMEONE ELSE INFORMATION,
Product: Mortgage

I closed on property XX/XX/XXXX, taxes increased in XXXX after my purchase. Servicer was given new property tax information but didn't start escrowing the correct amount of taxes until XX/XX/XXXX when I asked for a partial claim and numbers were redone. I requested an extension on the escrow shortage to 36 months but was denied. Servicer states I can not speak to the tax dept or senior management about my request. Due to the carelessness servicing of my loan, my payment has increased by {$300.00}. 
My net income is {$4500.00}, new payment {$3000.00}.