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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name :XX/XX/XXXXAccount Number : XXXX XXXX Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account.

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file. 

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report.

2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete. 

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute. 

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting

This company has been leaching on my credit report for several years. I 've paid this account in full never late or missed a payment.
Product: Credit reporting or other personal consumer reports

The account, XXXX XXXX, was charged off on the following date : XX/XX/year>. Since then the account has been reporting an active payment history. It is to my understanding that a charged off account should NOT include an active payment history. I am in fear that this is incorrectly impacting my date of last activity. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX admit that you were wrong doing business with fake doctor XXXX XXXX fake XXXX XXXX and XXXX and his information in your system all fraud and confirm my ownership by going to mycoverageinfo.com/chase and upon entering my last name XXXX, XXXX code XXXX and loan number XXXX I am the insured owner of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a user car from Carvana in XXXX, 2021. I obtained financing from their lending division, XXXX. There are three problems with this transaction : 1. It took over six months to obtain the California registration and I had to pay out of pocket to redo the smog inspection because the one they submitted had expired.

2. I paid off the loan in XXXX and have not yet received the title. After several calls to XXXX they sent me a letter that the title would have to come from the State of California. I should not have to apply for new title but rather should receive the title from the lender. 
3. XXXX has not yet reported the loan payoff to the credit bureaus. Today 's date is XX/XX/XXXX so it has been six weeks.
Product: Checking or savings account

Have money in brokerage account. 
Wells fargo intentionally closed my account due to their error. I made a claim for 1 charge and their customer service overseas made an error of putting 24 claims. A long time ago this bank was opening accounts in my name and my dads sisters name. I cant take out my money from my brokerage account since they froze my checking and savings. 
Their result was because it was " suspicious " after 23 years as a customer the only party that did anything illegal was Wells Fargo by falsely opening accounts. My irs direct deposit is supposed to go into my Wells account and now it will be rejected. I will suffer financial hardship and have to pay extra to have my tax amendment due to their error. 
No one at the branch tried helping me or even offered to call to help keep my 3 accounts open. My family has had 9 accounts 4 home mortgages with Wells Fargo, commercial real estate loans, and this is how they treat someone for 23 years. 
I seek to retain all damages onto them in legal matters by them erroneously closing my account. I would have wanted to stay as a customer but they have given me no choice to post this on all my social media platforms as well as seek damages of accusing me of suspicious activity. 
Remember they were the bank that opened accounts in my families and friends name without them knowing.
Product: Mortgage

My tax escrow payment was drawn from my accounton XX/XX/XXXX. I checked with the city and my taxes were not paid. I corresponded with United Wholesale Mortgage, my mortgage company at the time and was told they will research it. I contacted the XXXX of XXXX XXXX, whom the taxes are to be paid to, and they confirmed that taxes were not paid. I contacted the mortgage company again and they told me the taxes went to XXXX XXXX of XXXX not the city of XXXX XXXX. I followed up with XXXX XXXX and XXXX XXXX confirmed that they did have a check for the taxes but it should not have gone to XXXX XXXX, it should have gone to the city of XXXX XXXX, WI. XXXX XXXX person said that they sent the check back to the mortgage company. In XXXX I again contacted the mortgage company to get my taxes paid to the city and again they said they will research it. My XXXX taxes were finally paid in XXXX of XXXX and the mortgage company pulled the escrow a second time without ever reimbursing me for the first tax withdrawal. They pulled the XXXX taxes twice from my escrow, once in XXXX of XXXX, then again in XXXX of XXXX and sold the mortgage in XXXX of XXXX and transferred the incorrect escrow balance to the new company. I never checked my escrow balance as the real estate taxes were paid in XXXX of XXXX. The new mortgage company paid the XXXX taxes timely in XXXX. I Received a letter today from the new mortgage company that says my escrow account is negative and they need to increase my payment by {$400.00}. This is incorrect as the old mortgage company United Wholesale Mortgage owes me {$4700.00} which should go to my escrow account.
Product: Mortgage

On XX/XX/XXXX, I submitted a query through XXXX XXXX for a cash out refinance. The first lender I spoke to was Supreme Lending who offered one of the lowest rates and also noted I would not need an appraisal, which was part of the reason I chose to work with them. I told the loan officer if they could match the lower rate that came through with another lender I would refinance with Supreme. After a day, he confirmed I would get the lower rate ( though he did not mention I had to buy down to that rate until a later time ). 

On XX/XX/XXXX, the loan officer emailed saying we didnt get approval not to do an appraisal. This was the first time it was mentioned no appraisal would require an approval. In that email, he also told me we would get the fee waived and if not hed make up for it. I paid {$720.00} for an appraisal that took place on XX/XX/XXXX. 

On XX/XX/XXXX, the loan officer told me to make up for the issues with no waiver my first payment would be pushed to XXXX instead of XXXX. He explained this would happen via a refund check through over payment of my old mortgage. 

I closed on XX/XX/XXXX and he assured me that morning prior to signing that Id receive a refund check covering my first full payment long before my due date in XXXX. 

On XX/XX/XXXX, I had no check and emailed asking the loan XXXX the status of my refund check since I received notice Supreme had already sold my mortgage. He called and stated I needed to wait until 3 full weeks from funding had passed and that would be XX/XX/XXXX. 

As of XX/XX/XXXX I still had no check. I emailed again. He told me he was out of office but looking into it the next day when he returned. 

On XX/XX/XXXX, he called to say he was escalating it and would update me the next day. On XX/XX/XXXX, I emailed asking for an update since I had not heard any update. I received no response and emailed again on XX/XX/XXXX letting him know I would be reporting and escalating the issue myself if not resolved before the XX/XX/XXXX holiday. 

After all the communication of the past two months ensuring me things would be handled, the loan officer then told me on XX/XX/XXXX, the day my first payment was due, that Supreme had to pay more for my old mortgage because the former mortgage company increased the pay off amount and there was no overage to provide me a refund That was not true as they actually decreased the pay off amount originally provided and confirmed that when I called them on XX/XX/XXXX. 

I emailed the loan officer the exact summary above on XX/XX/XXXX. He replied that he'd forward my email to the " powers that be '' and has not provided any update. He has called but left no voicemail. He emailed to say to call him but provided no details. I informed him he could provide an update via email. He has not done so. 

The entire experience and misleading information around not needing an appraisal and then assuring I'd be made whole is deceptive practice by Supreme Lending to obtain business.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : 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 Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, i had two suncoast accounts, a checking and a a saving there went into collection and were charged off. XX/XX/XXXX, both accounts were paid in full. and no more issues with this account on my credit report since it was now reported paid charge off. fast forward to XXXX i noticed my XX/XX/XXXXreport had updated with a XXXX charge off reporting for the month of XX/XX/XXXX, Where this is incorrect reporting and this account shouldnt have been reporting anymore activity at all since it was paid in full and closed. both XX/XX/XXXX and suncoastcredit union appear to be blaming each other, while leaving my credit score suffering a XXXX point loss due to the errors on both paid in full charge offs from the saving and checking account in XXXX please help resolve.
Product: Credit card or prepaid card

Following up on my complaint XXXX Well Fargo Bank sent me a confirmation letter of the CFPB complaint on XX/XX/2019, to my residential address & a letter, dated XX/XX/2019, CONFIRMING the original complaint details. Nothing is in dispute : the facts I put forth are true and correct. 

By confirming that Wells Fargos own Branch was incapable of recording, copying, duplicating my address verification and government identification documents despite THREE SEPARATE  VISITS to the same Wells Fargo branch is not in dispute. It is the reason I have made the request to withdraw the application and destroy the physically-submitted documents. 

Despite my request to withdraw the application and destroy the documents, Wells Fargo engages in an absurd game over whose information they have in their possession. Its again unacceptable. The market has alternatives and my information should not be held given the egregious treatment of said information. 

If its identifiable to ME, Ive requested it be withdrawn. If they can not get their own Wells Fargo employees to make proper copies, all the more reason to not trust them or their process. 

Last, the letter from the Executive Office is signed by a XXXX XXXX? Is XXXX a legitimate last name? To put it politely, use your full name when trying to fix a problem of your own companys failed, defective process. Dont hide behind failure : own it, XXXX XXXX
Product: Debt collection

I had several issues with Upstate Services ( https : //upstateservices.net/ ). 

I returned several calls and voicemails on XX/XX/18 from them ( left both on my cell phone and on my work phone the prior week ) and requested a written validation of my debt, which I was told was a " waste of their time '' since I would not pay anyway. The company also called several family members and friends, stating to some of them they were making a final attempt on a complaint against me before turning it over to an attorney. The company also left a voicemail stating this in one instance. On a second call that day with the company, I asked for them to confirm the phone number of their company. The individual I spoke to refused because I had already called them back and had the number.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$380.00}, XXXXXXXX XXXX XXXX XXXX balance {$8200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX. XXXX XXXX 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 report containing any of the item 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 am filing this complaint to dispute an inaccurately reported charge-off account associated with UPGRADE INC Account Number XXXX on my XXXX credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a 1099-C form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no 1099-C form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the XXXX Act, 12 U.S.C. 5531.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am enrolled in credit monitoring and I also review my credit report online often. Today when I reviewed my credit report, Regional Finance is listed on my XXXX report as showing me being delinquent for last year XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They had to submit this over recently because this was not on my credit report last year and I do n't recall being 30 days late last year. I even refinanced w/ the company this year so it seems impossible to have been late. I am not sure why this was recently reported on my credit file and would like it to be removed because it is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing a CFPB complaint XXXX # XXXX ), which has since closed, the company I complained about, XXXX, put a retaliatory comment on my credit report which has ruined my chances of getting a mortgage. 

There was never a foreclosure on the property I made the complaint about, but after the CFPB 's complaint was closed, XXXX entered the comment " Foreclosure Started '' which has ruined my chance at getting a mortgage. 

Since this property has been paid off and the account closed as of XX/XX/2015, and this statement is both untrue and appears on none of the reports I have seen in the past five years, this action by XXXX is a direct result of filing a complaint. 

I am again requesting the entire XXXX entry be removed from my account as it is there to ruin my credit ( not to accurately report payment history ).
Product: Checking or savings account

Debit card and checks received in the mail from XXXX XXXX  for XXXX XXXX. I did not order them and never heard of that bank. Called to cancel that account. 

Debit card from Betterment Bank received in the mail for XXXX XXXX. He did not order, or ever hear of such a place. XXXX ( husband ) called to close the account. He was told the account was already closed and the person who opened it was already fired. 

Both occurred AFTER we put a freeze on our accounts. We have filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX  ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting or other personal consumer reports

I have disputed incorrect info twice to XXXX. Their results each time do not remove the incorrect info. On XX/XX/17 i faxed & uploaded info with my ID & my daughters info & ID as these accts belong to her, NOT me. XXXX XXXX XXXX XXXX do not show the incorrect info, only XXXX. This is causing me to lose points on my credit score causing other accts of mine to lower my available credit etc. I dont know what more I can do to correct the situation that they refuse to correct. My daughter said these accts also show on her credit report as an individual acct
Product: Credit reporting or other personal consumer reports

Dear Transunion : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX SC XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX 3. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX, XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. Account was closed XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Chargeoff can not report balance XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. Chargeoff can not report balance XXXX Account Number : XXXX Please remove it from my credit report. 
10. Chargeoff can not report balance XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX