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

I am writing to formally dispute inaccuracies and incomplete information reported on my credit report. After obtaining a copy of my credit report, I have identified several errors that constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically the following provisions : 15 USC 1681e ( b ) : The credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. The inaccuracies I have identified clearly indicate a failure to comply with this standard.

15 USC 1681s-2 ( a ) and ( b ) : These provisions outline the responsibilities of furnishers of information to provide accurate and complete information and to conduct investigations into disputed accounts.

15 USC 1681i ( a ) ( 1 ) : Consumer reporting agencies must reinvestigate disputed information within a reasonable period, yet these errors remain unresolved.

The items I am disputing are as follows : Late Payments 30+ Days : of late payments that are either inaccurate or incomplete.

Late Payments 60+ Days : o
f late payments that are either inaccurate or incomplete.

Additionally, Derogatory Public Records I demand the removal of any accounts that contain incomplete, inaccurate, or unverifiable information from my credit report.

Failure to comply with these provisions carries serious consequences under 15 USC 1681n, which provides for civil liability for willful noncompliance, and 15 USC 1681o, which addresses negligence in failing to comply.

I demand that these inaccuracies and derogatory entries be investigated and deleted from my credit report immediately. Additionally, I request a copy of my updated credit report reflecting these changes.

Please consider this letter my formal dispute. I expect you to resolve this matter promptly and in compliance with federal law. If these inaccuracies are not corrected, I am prepared to pursue all remedies available to me under the FCRA, including legal action.

For your convenience, I have attached a copy of my credit report with the disputed accounts and items highlighted. I have also enclosed a copy of my government-issued ID and proof of address to expedite your investigation.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates regarding the investigation timeline. 

Sincerely, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX XXXX 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 or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$290000.00}.
Product: Checking or savings account

XXXX sent to wrong sender. No refund were given.
Product: Checking or savings account

As I said before the company garnished my account for almost {$10.00} almost all of my savings Paid the Contractor for unfinished work for which I am still meeting Bills I tried to get them to Refinance my House but, they would not reply to my request When I asked what amount would be required to have the Account open. I was told only {$5.00}. I had almost {$500.00}. and deposited Mortgage Payments monthly One day when I went in to make a Deposit. I was handed a Closure Letter ' This was disturbing to me. I am still disturbed by this action The company 's Motto is : When a small Business prosper we all prosper I was not given the chance or help to grow or prosper I know you can not give legal help but, you attention in this matter would be greatly appreciated. 
Note that the Interest Rate at the time was 2.7 % today I have to pay 6 % with another Bank.
Product: Debt collection

The debt I owe through XXXX XXXX XXXX has not only contacted me after I asked them not to, but they have also called my employer and have harassed anyone that has ties to me.
Product: Checking or savings account

In 2015 I set up a joint checking account using my power of attorney for my stepfather, XXXX XXXX and myself. The account was set up by a banker named XXXX. Surprisingly no one has ever contacted her. The bank was also provided a doctors note stating that XXXX was not capable of handling his financial decisions. In fact he was scammed out of quite a bit of money. This can be verified with XXXX XXXX Sheriff. 
The branch manager reviewed the account with me for 6 years and according to him no action was needed since I was on the account. Surprisingly No one has talked to the branch manager. The total value of the account is only {$2000.00}. I deposited {$1500.00} after XXXX died. It was my money I deposited in XXXX XXXX account at XXXX for personal needs. XXXX was sold at that time which also happened during the pandemic. I tried contacting XXXX but they had changed ownership. I went to close out the account and produced a copy of the death certificate to the branch manager who had been reviewing the account annually. I was told I couldnt close out the account. I have been a long time customer of Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent XXXX and needs to be removed XXXX XXXX XXXX  This does not belong to me and i.dont recognize it
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received my Transunion consumer report and noticed that they have an incorrect spelling of my name. I contacted Transunion to dispute/remove this, and they informed me that they couldn't do it. I understand that it is the responsibility of the credit reporting agencies to ensure that the information is accurate, as listed in 15 U.S Code1681. The spelling of my name has never been anything other than XXXX XXXX XXXX. Please remove the incorrect spelling of XXXX XXXX from my TransUnion consumer report.
Product: Checking or savings account

I have a savings and checking account, I am concerned because looking over my account, I was charged XXXX over draft fees, when XXXXXXXX XXXX  purposely held the funds in the account, then I over drafted and was charged a fee by the bank and by the lending company. I would put funds in the account to pay bills and XXXX XXXX  will hold the money for almost XXXX weeks, this happen for my rent payment and credit card payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX CARD # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, VA XXXX DEAR Creditors : Recently, I received a correspondence from Transunion Credit Reporting Agency and/or it's attorney ( s )  XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with Transunion or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. 

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX   XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX Date ( s ) of final payments : XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible  addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry 's hard and soft on report not mine
Product: Credit card or prepaid card

I checked my Best Buy statement in detail and found out they have been charging me for over a decade for something called " Debt Protection '' which equates to almost half of my minimum monthly payment. This " Debt Protection '' is something I never consciously agreed to sign up for. A quick search on the internet shows that Best Buy has been doing this to people for quite a long time and there have been many filed complaints about this shady practice. I don't understand how or why it is legal for them to do this to consumers and get away with it. This is probably thousands of my dollars over a decade that has been going to this " Debt Protection '' service and not going to pay off my balance which I think would have been paid off by now. Instead as of my last statement, only around {$2.00} of my monthly payment is going towards paying off my {$2700.00} balance instead of the {$27.00} it should be, which is just awful. Not only that but there is no way I can pay off my promotional balances in time if they are charging me this fee and I'm only paying the minimum monthly payments. So over the last decade, how many promotional periods have expired and I've been charged even more interest strictly because of this " service '' they keep charging me for?
Product: Debt collection

I closed my account with children place /comenity bank in early 2021 I had a XXXX balance with them. They charged me interest and late fees on a account that was supposed to be closed. Its now been almost 2 years and I have a XXXX + balance on a card that I havent made a purchase on. I talked to customer service and they didnt want to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX  and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$470.00}
Product: Debt collection

I was told I had to pay an amount that was not written on my statement. When confronted the person changed what they said and spoke to manager. They then said they would check the recordings and call me back, this has not happened, and I have contacted them numerous times.
Product: Debt collection

One XX/XX/2018 I sent a letter to XXXX XXXX XXXX requesting that they validate the debt for the accounts they are posting on my credit report. I have asked for the original contract as I do not recall having any accounts with them, neither have I authorized it. 

They have responded on XX/XX/2018 with generic information from all three accounts stating that at the time of the sale, the Seller provided an electronic file of its business records concerning the account. This tells me nothing about the original transaction. They don't have any of the information I asked for. They haven't provided me with the contract mentioned before, verification procedures of how my identity was confirmed prior to opening these accounts. They have been providing other information, however not the most important ones. 

PRA doesn't have the right to continuously report and hurt my credit without being able to properly verify these items they are reporting on my account.
Product: Checking or savings account

M1 Finance is holding my money hostage unless I pay a ransom to leave the platform. I currently have only about {$100.00} in my XXXX XXXX  on their platform. They are refusing to transfer it and denying other companies to withdraw the money given I don '' t have enough to cover their $ XXXX fees to leave the platform. 

They are effectively holding my money ransom and have been stalling for weeks so they can implement their Monthly charge to effectively absorb my account. 

What they are doing should be illegal. I imagine this post will likely get deleted like others on this subreddit but I hope I can possibly help others out by letting them know.

The most ironic thing is I have two close family members who have $ XXXX and $ XXXX with them and they were both bribed to stay- they were offered {$250.00} to keep their accounts with M1 and yet I am getting charges $ XXXX to leave.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports and saw an account for XXXX XXXX XXXX  for {$130.00}. Im not sure where this debt originated, and would like it removed while in dispute until its both verified and validated. I contacted Experian and was told they couldnt verify my SSN on file. My SSN is XXXX.
Product: Student loan

Navient have taken thousands of dollars from my income tax at least for four years straight and they are still saying that I owe over {$6000.00} which should have been paid. I am in the forbearance program but I am tired of getting statements each month and at the end of XXXX time to redo over. 
I got out of school because my mother had XXXX and they were supposed to have worked with me and not charge me anymore payments. However, that didn't work and this have been over 12 years now. 
I want to know why am I still be charged for payments when it was stated paid in full after they took out for income tax. This has been over 9 years.
Product: Checking or savings account

Bank of America refused to honor a check for {$1200.00} to a vendor. They said the check appeared to be " counterfeit, '' despite it being very legible, written and signed by the same person, and had no issues that they could identify. 

The vendor relied on the check and paid other bills. When the check was dishonored, he ended up with multiple fees for bounced checks on his account. 

Multiple calls to Bank of America customer service produced no results. They refused to honor the check and refused to refund the resulting bounced check fees for the vendor ( we were both BOA customers ). 

I deal with half a dozen banks on a weekly basis, and some are certainly better than others, but BOA has absolutely the worst customer service I have experienced in many years.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

CFPB complaint Filed XX/XX/XXXX Case # ShellPoint XXXX XXXX XXXX, XXXX CA XXXX XXXX said that it will be a big problem to do a short sale for a homeowner that does not have separate business bank statements, no business name, and have not filed taxes for XXXX and XXXX, and therefore underwriting will likely require the homeowner to file taxes for XXXX & XXXX. I told ShellPoint that the homeowner is a sole proprietor - there is nothing wrong or illegal about this. Therefore a separate business 'name ' and 'bank statements ' are not necessary. The homeowner has also already provided a written and signed statement that they have not filed income taxes. I also reminded ShellPoint that in California the homeowner can not contribute to a short sale, and since the profit & loss statement is proof of income, they will have to make a decision based on what they have been given. 

Why is ShellPoint trying to force the homeowner to file income taxes? They are being stupid. I want ShellPoint to follow servicing guidelines. If ShellPoint wants the taxes to be filed - are they going to hand over the {$500.00} for each year of taxes so the CPA can file them? The homeowner certainly does not have that kind of money. 



In California, the lender can not ask for a contribution from the homeowner. It is obvious from the income information provided that the seller can not afford to keep the home. Attempting to force the homeowner to file income taxes is just another delay tactic and does nothing but reveal the stupidity of this company as a mortgage servicer.
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 XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account ending XXXX and account ending 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 also states a consumer reporting agency can not furnish an account without my written instructions.