23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In a letter dated XXXX/XXXX/XXXX, XXXX XXXX, Loan Adjuster, Recovery Department, Wells Fargo Education Financial Services, agreed to accept my payments of {$350.00} per month to satisfy XXXX private student loans that were in default. I 've attached a copy of that letter. 

Since then, in accordance with that agreement, I have paid {$350.00} every month, mailed to the address specified in that agreement. Although I have made every payment under that agreement ( until this month ), I have never received any statements or other information from Wells Fargo to tell me how my payments were applied and whether the balance is being reduced. 

Wells Fargo accepted my agreement. My payments within this agreement should have brought me current and should have cured any default. Instead, I recently discovered that the loans were " charged off '' XX/XX/2016. This charge-off is severly damaging my credit rating. 

I believe I have been deceived and that Wells Fargo has breached our agreement. I have been making good-faith payments, but now I 'm not sure if they 're going to the correct entity or if they 're being honestly or accurately applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires i didnt give authorization to pull my credit report.
Product: Debt collection

Date of service XXXX15, amount {$1900.00}, original creditor XXXX XXXX XXXX. I was not in town during the date of services rendered, have proof of this.

Have called multiple times to clear as this is not me, date of birth does not match, home address incorrect on hospital files. have disputed this at least 4 times with credit agencies. Each time I am assured that this will be resolved and hasnt been. Placed a hold on credit to help in future and fear identity thief.

In the process of closing on home and this will affect it. have explained this to both creditor and hospital. appears that insurance is associating with me on their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX, Account 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 XXXXXXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items in my report that I have disputed and it has not been removed I have a bankruptcy that is reporting inaccurate dates and has been remove from 2 bureaus but not the other this is feet frustrating and I need help dont understand why items that can not be explained are on my report
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023
Product: Bank account or service

I am a customer of Bank of America. Went to BOA on XXXX NJ XXXX for notary services advertised as free services by the bank 's website. 
https : //www.bankofamerica.com/help/faq-financial-center.go The agent ( XXXX ) told me that they do not notarize letters. 
I missed my requested dateline for submitting the letter and had to go to a different bank on Tuesday and beg for that letter to be notarized. 
This is the second time that I have had notary services denied and had to open an account in a different bank to get services the first time. The first time I though it was because my letter was handwritten but this time they said it needed to be a company letter. I find the free notary service advertising to be false and misleading.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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.

EXPERIAN 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: 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 The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consume report 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 seven years 15 U.S.C 1681s-2 ( A ) ( a ) 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. 


Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUSXXXX XXXX XXXXXXXX XXXX XACTUSXXXX XXXXXXXX XXXX XXXX XACTUSXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The resolution I seek is the immediate removal and blocking of these incorrect accounts from my credit report. I truly hope this can be done promptly so that I can finally be free from the stress this situation has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX submitted an update to remove the negative reporting for XXXX and XXXX from my credit report with Experian. This isnt showing with the other credit bureaus. Its still hasnt been changed. I also submitted letters from XXXX XXXX through an online investigation 3 times but my report is coming back that no change has been made. This is impacting me getting finance for an home equity loan. I have called once a week over the last three weeks and they stated that have not received my documentation that I uploaded online. I have an consumer account with Experian.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXXXXXX TransUnion Reason : These Inquiry 's Have No Permission Purpose To Be On My Report, Delete These Inquiry 's Immediately Pusuant 15 U.S.C. 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuse to remove fraudulent accounts from profile even after I have disputed it several times and supplied a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lease payments have been made in their entirety, and my credit report shows that payments were not made from XX/XX/XXXX through XX/XX/XXXX ( see attached ). This is not correct. If you look at the attached payments made with confirmation numbers from XXXX XXXX XXXX, it shows proof that payments have been made totaling {$6700.00} during that specific period. Further, the balance on my credit report states that I owe {$3900.00}. If you look at all the payments from XX/XX/XXXX, through XX/XX/XXXX ( end of lease ), the total amount paid is {$9000.00}. Clearly, this is an accounting error on XXXX 's side that needs to be rectified.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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
Product: Credit card or prepaid card

I applied to Amazon Commercial Credit Card issued through Synchrony Bank. They have sent me an adverse letter, denying me credit due to " Insufficient credit from trade references '' and that is complete bull XXXX. I am the natural consumer and I am the one who is supplying the credit. Synchrony Bank does not issue out credit, they just extend MY credit back to ME. They are supposed to be following the Fair Credit Opportunity Act, but they are discriminating against me. I am a " applicant '' pursuant to federal law, and in good faith I exercised my RIGHT to obtain credit under the Fair Credit Opportunity Act, and they unlawfully denied me credit.
Product: Mortgage

I still have unresolved issues with my first complaint along with new complaints see attached documents. 
We have refinanced with a new mortgage company. 
Please help us wth these issues that have remained inresolved with Caliberhomes mortgage.
Product: Mortgage

I had a short sale on a property in 2013. It is no longer on my credit scores, however, the company I am trying to obtain a mortgage from has a report/record from somewhere about that short sale. What can I do? I resolved the issue and have been in good standing with my payments reflecting an excellent credit score. 

The company is TBI Mortgage. As I am having a home built in a community, I have to go through the builder 's lender for approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, Experian, XXXX and XXXX. I sent my disputes certified mail. None of these companies have responded.
Product: Mortgage

I was approved for the program HAF, but my mortgage company no want to solutions the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my file I acknowledged a lot of invalid information on my credit report with Experian I am disputing all incorrect information to fix my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called XXXX XXXX XXXX to put my account on an autopay arrangement. This was never completed, I was never contacted by XXXX XXXX XXXX and my account went into default however a payment was withdrawn the following month in XX/XX/XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XX/XX/XXXX and in XX/XX/XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as XXXX with proof of my payment and my phone record showing my phone call to setup the autopay.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 


FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 seven 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 accounts with Portfolio Recovery. While filing a dispute with the Credit Reporting Agencies for 1 of these accounts ( # XXXX ), Portfolio Recovery inserted a " false dispute '' on ALL the other 4 accounts I have with them through the Credit Reporting Agencies. XXXX Documents uploaded ) The 4 accounts misreported as disputed are as follows : XXXX XXXX XXXX XXXX I have never disputed these 4 accounts with the Credit Reporting Agencies nor with Portfolio Recovery. I have had no communication with Portfolio Recovery regarding these 4 accounts. 1 of these 4 accounts ( XXXX - docket # XXXX ) is also involved in an active court process with a court date of XX/XX/2021. XXXX Documents uploaded XXXX. By placing the false dispute on this account, Portfolio Recovery may have compromised my character, my right to request documents for court, and chances of properly representing myself in court for this account. Portfolio Recovery only has a right to put a dispute remark on the " specific '' account a consumer disputes, not other accounts that have no connection with that dispute. Each account is treated separate. If this is happening to myself and to many other people by Portfolio Recovery, it could potentially be compromising many people 's credit report scores and rights under the FCRA without their knowledge. This was only brought to my attention by a 3rd party credit monitoring service. XXXX, XXXX and XXXX did not send me notifications these disputes were put on. The accounts listed on XXXX look as though they were " verified ''. XXXX and XXXX still say disputes in progress. 
Not only has Portfolio Recovery violated the FCRA by knowingly and willingly filing false disputes, they have possibly compromised my character with the Credit Reporting Agencies for filing multiple frivolous disputes. I would never dispute accounts that may be reporting accurately and without providing supporting documents. This could possibly prevent me from filing a dispute on these accounts in the " future '' if necessary. I also can not file a " dispute '' on the " false disputes '' because it's saying I can't file a dispute while a " dispute is in process '. This violates my rights of being able to dispute information via the Credit Reporting agency first for a civil lawsuit for Portfolio Recovery if that were my intentions. 
Having these frivolous dispute remarks on my credit report could also jeopardize my upcoming mortgage application and student loan application for my child. This has caused me great emotional and physical distress.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution in Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users 's vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I have a loan with SELECT PORTFOLIO SER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SELECT PORTFOLIO SER with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name, address and phone number is incorrect on my report.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute regarding the debt reported on my credit file under Account XXXX XXXX. This debt is fraudulent, the result of identity theft, and has absolutely no connection to me. I have never opened an account with XXXX XXXX XXXX, nor have I ever authorized anyone to do so on my behalf. The presence of this erroneous and fraudulent information on my credit report is unacceptable and has caused substantial damage to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my legal right to dispute this debt. You are legally obligated to investigate and remove any inaccurate or fraudulent information from my credit file. 

To substantiate my claim of identity theft, I have enclosed the following documentation : A copy of my police report or FTC Identity Theft Report. 
A copy of my government-issued ID to verify my identity. 
I demand the immediate removal of this fraudulent debt from my credit report. If this issue is not resolved promptly, I will not hesitate to take legal action to enforce my rights under the FCRA and FDCPA. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies. 

I expect confirmation in writing that this fraudulent account has been removed from my credit report within 3 days. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money was transfer for business purposes. Cashapp closed my account due to fraud. There was no fraudulent activity. They also didnt give me a reason on fraud. I couldnt get in touch with anyone to discuss the matter. Since then I wasnt able to open a new account.
Product: Credit reporting or other personal consumer reports

Please need to resolve NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as copies of the XXXX written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Ive already written to you guys asking for documentation of the investigation I demanded. How many times do I have to write to your team asking for this proof? It shouldnt take this long to send the paperwork that I asked for. Is your printer broken? 
I dont know how else to prove to you that I'm 100 % serious. 
I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Please verify that this is mine? - Delete this item immediately. It is a public record that can not be verified and is incorrect. 
XXXX XXXX - XXXX- Please verify that this is mine? - Delete this item immediately. It is a public record that can not be verified and is incorrEct