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

Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute of Credit Reporting Violations and Request for Compensation Dear CFPB Team, I am writing to formally dispute inaccuracies and violations on my credit reports from TransUnion and XXXX. These reports contain unauthorized inquiries and account reporting errors that significantly damage my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I demand immediate removal of these inaccuracies and compensation for the violations caused by these erroneous entries. 

Accounts with Violations XXXX XXXX XXXX  Account Number : XXXX Violation : Inaccurate high balance reporting ( {$630.00} vs. {$600.00} limit ), inconsistent utilization percentages, and failure to validate negative reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Violation : Overstated utilization above 102 %, charge-off status reported without proper notification or validation. 
XXXX Account XXXX : XXXX Violation : Duplicate late payment reporting and failure to validate derogatory entries. 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Violation : Charge-off status reported without verification or adherence to dispute resolution protocols. 
XXXXXXXX XXXX XXXX Account Number : [ Account Number Hidden in Extract ] Violation : Reporting late payments without validation or notice. 
Unauthorized Hard Inquiries The following hard inquiries were conducted without my knowledge or consent and are not tied to any open accounts : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Violations Identified 5 Unauthorized Hard Inquiries 5 Accounts with Reporting Errors Compensation Requested Under the FCRA, I am entitled to {$1000.00} per violation. Based on XXXX violations, I am requesting a total compensation of {$10000.00} for the harm caused by these errors. 

Demands for Resolution Immediate Deletion of Inaccurate Information : Remove all inaccurate account details and unauthorized hard inquiries from my credit reports with TransUnion and XXXX. 
Updated Credit Reports : Provide updated credit reports reflecting these corrections within 30 days. 
Written Confirmation of Actions Taken : Send a written confirmation of the deletions and steps taken to ensure compliance with FCRA guidelines. 
Compensation Payment : Issue a compensation payment of {$10000.00} as outlined above. 
Notice of Further Action If my demands are not addressed within 30 days, I will escalate the matter by filing additional complaints with regulatory bodies, including the FTC, and pursuing legal action for damages exceeding the requested compensation. 

I urge your team to address this matter promptly to prevent further harm to my credit and financial standing. 

Sincerely,
Product: Credit reporting

Please be advised XXXX XXXX is reporting XXXX 30 day lates on my credit report for XX/XX/2016 and XX/XX/2016 that I totally disagree with! I made 2 payments in XX/XX/2016 on XX/XX/2016 and XX/XX/2016 yet they still counted me as 30 days past due! I have chatted with them several times and filed disputes yet and still they continue to report the lates which are the only late payments on my whole entire credit report! To put the icing on the cake they sent me a letter saying I was not late! Attached!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX Account has violated my rights. 
XXXX THIS XXXX XXXX XXXX REMOVE ALL LATES XXXX XXXX INQUIRY XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is XXXX  and the other is XXXX  XXXX XXXX. For some reason they are not reporting to XXXX, equifax and XXXX  any help here would be greatly appreciate.
Product: Debt collection

ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$2500.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law.

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

XXXX account opened on my XXXX credit report for {$5000.00} in XX/XX/XXXX. This refers to an XXXX XXXX XXXX from XXXX that was turned in and the account was closed. XXXX took over XXXX XXXX in XXXX and mishandled the accounts. There are hundreds of similar cases that were then bought by Rock Creek Capital ( RCC ) and are now being erroneously pursued by XXXX XXXX XXXXXXXX  ( XXXX  ). My vehicle was turned in early, disposed of at auction, and the account was closed. I am not responsible for this debt as it does not exist due to XXXX 's mishandling of the accounts ( which is why they are now out of business ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I contacted collection agency and consumer reporting agency via Certified mail. 

I have only received letters back from you that it was verified electronically. 

How can that be? 

When I disputed with this collection agency they had nothing that they could provide me that proves that I Owe them the debt here in. 
They mailed me a bill. As an attempt for debt validation. 
A month later I disputed a second time with collection agency and here said consumer reporting agency. 
They again sent me only a bill attached with it is an old email conversation between a property manager. I XXXX the company. 
I found out it was a property management company. So I sent certified mail to original company. They couldn't provide me anything. They said they had nothing to provide me. no lease no contract they do not have any record of me. 

I called the collection agency again I sent another letter. that asked question CFPB suggest specific questions to ask to make sure i'm not paying someone that can just steal my money or sell to someone else. this is a lot of money I need to be 100 % sure that this is mine and 100 % according to the fair credit reporting and fair debt collection practices. 
I asked to provide a contract showing they owned debt. And how did they get it. They said they did not owe the debt they did not have a contract. But if I paid them that I could trust that it will be removed off of my credit report. I told them that I would never pay someone money that did not owe the debt or could not provide a contract showing an original creditor sold them the debt or had made an agreement with them. All the man on phone could say was he understood but if I could make some payment we could work this out. 

This does not feel right ... .. 
I've asked many questions. 

Please tell me how you verified this debt Was it electronically? 
Did you contact original furnisher? 
I have copies of certified mail I have done my own personal investigation. 

Please tell me how when I have disputed this debt with your company that in a matter of a few days you were able to verify this yet it has taken me months to get anywhere and its only proving that this is not proper verification nor proper consumer debt or consumer reporting. 

There are many XXXX XXXX out there. If they do not have a contract if they can not show they own debt how can this be? 
Nor can they show that they own the debt. But they can report it. 
No exclusive agreement between a company? 
this is not my debt Attached you will see my copies of letters This needs to be removed it is hindering me. Either its removed now or I have to hire an attorney one way or another it will be removed id rather you please look at what i have attached and make a timely decision please.

This is not consumer debt. This is not reporting accurately and fairly.

Please see attached letters that I have mailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I assessed my credit report via Identity IQ on XX/XX/22, it was noted that according to XXXX, XXXX, and TransUnion, the United States Bankruptcy XXXX XXXX XXXX XXXX Virginia reported bankruptcy. 

I mailed a letter to the Bankruptcy XXXX to validate the account. It was verified by the Bankruptcy XXXX in a document dated XX/XX/22 that " The Bankruptcy XXXX does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.
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. 


US DEPT ED XXXX {$3600.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7900.00} US DEPT ED XXXX {$5600.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4300.00} US DEPT ED XXXX {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX  XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I opened an account with Wise to facilitate transferring money from friends in several different countries who are all sharing XXXX  accomodations in multiple countries around the world. My account was opened on or about XX/XX/XXXX. My friends ' accounts in the XXXX, XXXX and XXXX were opened around the same time. They transferred about {$1800.00} to my account, but about a week later Wise closed our accounts without explanation. When we protested, they denied our protest and we no longer have access to our accounts or any information as to amounts held or the disposition of the funds. When you attempt to file a complaint, it requires you to log in. This brings up a message saying your account has been closed and there is no further access. This feedback loop continues no matter where you go on the site. To get any specific information or file a complaint requies a log in, which they deny. I finally found a phone number for a US office for Wise and spoke to a customer service person who was unable to tell me anything except that my accont was closed. He provided an email address to contact someone who could help. This week I received a response saying the funds had been returned to the original senders, but no one who sent me money has received any funds back from Wise and neither have I. I don't have any paper documents to share since everything was handled electronically. Their entire operation seems like a huge scam. How do I get my money back from them?
Product: Mortgage

DEAR CFPB - WE SUBMITTED THIS COMPLAINT TO YOU XX/XX/XXXX, AND IN LESS THAN 24 HOURS WE GET A REPLY  STATING THAT DITECH IS UNABLE TO RESPOND DUE TO : The company let us know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. THIS IS BEYOND INCORRECT! PERIOD. DITECH IS BEING DECEITFUL and further DITECH IS THREATENING US WITH FORECLOSURE DUE ITS OWN GROSS FAILURE AND  INABILITY SO PROPERLY RECORD OUR PAYMENTS! HOW CAN THIS BE ACCEPTABLE TO THE CFPB. DITECH IS LYING TO YOU BY SAYING THEY ARE UNABLE TO RESPOND - - -- THEY ARE ***UNWILLING***** TO RESPOND. DITECH KNOWS IT IS WRONG. AND ITS A COP OUT THAT THEY SAY THEY ARE UNABLE TO EVEN SEND A TIMELY MONTHLY MORTGAGE STATEMENT!?!?!?!?!?!? HOW CAN THE CFPB AND FTC ALLOW THIS COMPANY WHO MERELY CHANGED ITS NAME FROM GREENTREE TO DITECH DUE TO THE COMPLAINT YOU THE CFPB INITIATED AGAINST THEM IN XX/XX/XXXX FOR THESE EXACT SAME PROBLEMS GREENTREE PERPETRATED TO THE CONSUMER WHICH THEY ARE STILL PERPETRATING!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

XXXX XXXX XX/XX/year> THIS INFORMATION IS INACCURATE IVE NEVER DONE BUSINESES WITH THEM
Product: Mortgage

Bank of America have managed several home loan products on my behalf since XX/XX/XXXX. I purchased a XXXX bedroom home in XX/XX/XXXX ( XXXX XXXX ), Bank of America purchased the loan in XX/XX/XXXX. I took out a home equity loan in XX/XX/XXXX from Bank of America, at this time I opt out of having my taxes included in the loan, and paid my property taxes myself. In XXXX XXXX, Bank of America requested that I provide them written proof that I had been paying my taxes and or proof of a payment plan or payment arrangements made with the taxing authorities in XXXX County PA. I sent them the requested documentation they needed but they decided to pay my property taxes up until XX/XX/XXXX ( {$3300.00} ), then forced an escrow on too the account. My monthly mortgage payments have gone up from {$470.00}, a month to {$700.00}, a month. I requested a home re-modification or apply for the HARP Program. My total families income versus the household expenses would make paying the increase a financial burden. Bank of America have denied my home re-modification application. I, as a consumer, have done everything that Bank of America have requested from me. I would like to remain in my current home that I have made monthly payments of {$470.00} and have never been late on this mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report a collection item appears on my report for which I had no knowledge I have enclosed a letter from the debt collector stating the account is being disputed and that they have ceased all collection on this account however the credit bureau has refused to remove the item from my credit file Collection company name XXXX XXXX XXXX Creditor XXXX XXXX reference number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX  XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late
Product: Credit reporting or other personal consumer reports

I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, 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
Product: Mortgage

I began struggling to keep up on my mortgage in XXXX due to temp financial loss. I doubled up on my late payments twice to become current, but could not keep up. I spoke with the Mr. Cooper in XXXX regarding the options they notified me of having, ie : repayment plan, modification etc. They said at that time I was not eligible for anything. I did go ahead and apply for modification and they denied me. I spoke with them again in XXXX. The notice I received said nothing of being eligible for forbearance, only short sale etc. I will attached the notices. Every time I have called I have gotten the run around and basically just informed there's nothing they can do to help me make up the late payments which at the time were under 10K. They sent in into foreclosure only a few months of being behind, and would not work with me on anything. They then sent me another notice XX/XX/19 when the auction is scheduled for XX/XX/19 saying call us to discuss options, which I did, and and they said there's nothing they can do to help me, again. I just spent 1.5 hours with them on the phone right now with regard to delaying the auction so I can come up with the money, they notified me that a request was already submitted for that on XX/XX/19, and that it was denied because it was more than 7 days from the auction date. I did not submit this request, they did. They did not get my approval, and I assume they would have known it would be denied being more than 7 days from the auction date because they are aware of the policy, and that it would result in my being unable to request this within the 7 day time period. I requested it be done again and was informed I can not request it a second time, when I did not request it the first time. All I have received is a run a around and long holds, along with letters saying to call them so explore options only to be denied on everything each time I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in reference to my credit report, which contains several items that are incorrect or questionable. As per the Fair Credit Reporting Act ( FCRA ), I request that you take appropriate action to investigate and correct these errors immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX - This address belongs to someone else. Please remove it from my report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Please remove it from my report immediately. 

XXXX  XXXX XXXX Account Number XXXX XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I have carefully reviewed my credit report and can confirm that the above-listed items are not accurate. As per the FCRA, I have the right to request that you remove any information that is inaccurate or incomplete. 

Please note that I would like to receive a written confirmation once these items have been removed or corrected from my credit report. 

Thank you for your attention to this matter. 

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

I am writing in regards to a recent notification on my credit report. The information reported are erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report are incorrect.XXXX XXXX XXXX XXXX Balance : {$280000.00} XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3800.00}