23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a significant error in my credit reports provided by Experian, XXXX, and XXXX. It has come to my attention that a collection account associated with my personal credit history is being reported mistakenly. I kindly request the Consumer Financial Protection Bureau 's intervention in rectifying this issue by ensuring the immediate removal of the said collection account from all three credit reporting agencies. 

Account Details : Creditor : XXXX - XXXX Service Date Opened : XX/XX/2020 Balance : {$0.00} Account Number : XXXX To provide some context, the account in question is a business credit card that is directly associated with a common business of which I am one of the owners. This account, however, should not be reported on my personal credit history as it is solely related to our business operations. According to the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, it is crucial that credit reporting agencies accurately reflect an individual 's creditworthiness and financial history. 

Under the FCRA, consumers have the right to dispute inaccurate or erroneous information contained in their credit reports. Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies must promptly investigate and modify or delete any information found to be inaccurate, incomplete, or unverifiable. In light of this provision, I kindly request your assistance in ensuring the correction of this misreported collection account, as it is unjustly affecting my personal credit history and potentially impeding my ability to secure future credit or loans. 

I have already taken the necessary steps to dispute this error directly with Experian, XXXX, and XXXX. However, despite my efforts, the collection account remains on my credit reports. This situation has prompted me to seek the intervention of the Consumer Financial Protection Bureau to help resolve this matter promptly and ensure that my personal credit history accurately represents my creditworthiness and financial standing. 

I trust in the expertise and dedication of the Consumer Financial Protection Bureau to uphold consumer rights and ensure fair and accurate credit reporting. Your intervention and assistance in this matter would be greatly appreciated, as it will enable me to rectify this unjust reporting error and preserve the integrity of my personal credit history. 

Thank you for your prompt attention to this matter. I look forward to a favorable resolution and the removal of the mistakenly reported collection account from Experian, XXXX, and XXXX credit reports. Please do not hesitate to contact me if you require any additional information or documentation to expedite the investigation process. 

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

Subject : Demand for Immediate Action and Notification of Intent to Sue Major Credit Bureaus Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, UT XXXX Email : XXXX Phone : XXXX Credit Bureaus Involved : XXXX, Experian, XXXX Complaint Details : Dear Consumer Financial Protection Bureau, I am writing to demand immediate action regarding my unresolved complaints against XXXX, Experian, and XXXX. Despite multiple complaints and direct contacts, I have not received satisfactory resolutions. These issues include : Failure to Correct Inaccurate Information : Multiple disputes submitted with documentation, but necessary corrections not made. This violates the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

Lack of Response Within Required Timeframe : Credit bureaus have not responded within 30 days as required by the FCRA ( 15 U.S. Code 1681i ).

Re-Reporting of Incorrect Information : Items previously removed were re-reported without justification ( 15 U.S. Code 1681i ).

Failure to Provide Requested Documentation : Requested documentation to support the accuracy of items was not provided ( 15 U.S. Code 1681g ).

Reporting Non-Public Transaction Information : Credit bureaus reported my non-public transaction information, violating the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801-6809 ) .

I have sent a final notice of intent to sue to the credit bureaus due to their continued non-compliance. I request the CFPB to enforce federal laws and ensure these issues are resolved immediately.

Request for Compensation : I am seeking compensation for actual damages, statutory damages, punitive damages, and reimbursement for legal fees as allowed under the FCRA ( 15 U.S. Code 1681n and 15 U.S. Code 1681o ). 

Relevant CFPB Authority : The XXXX XXXX XXXX Reform and Consumer Protection Act grants the CFPB authority to enforce federal consumer financial laws, including the FCRA ( 12 U.S. Code 5511 ). 
Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My info has been found on the XXXX XXXX, need more information
Product: Vehicle loan or lease

I have bought ( financed ) a used car from Toyota dealership of Downtown XXXX XXXX in XX/XX/2020. 
Along with the car I bought the extended warranty that costs {$2000.00}. On the next day after purchasing the car I have decided to cancel the warranty. I have emailed the warranty issuer and personally visited the dealership office of Toyota Downtown XXXX to notify about my desicion. 
They said the warranty will be cancelled and I should receive the refund of {$2000.00} within few weeks. The refund amount should have been applied to my principal balance. 
However, it's been already over 5 months and I have not received the refund. 
I have tried to contact Toyota financial services multiple times but every time they said my refund is on the way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally looked into my credit and saw a collections from XXXX XXXX XXXX XXXX  Which is fraudulent and erroneous because I've never contracted with that company ever. 

Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Product: Credit reporting or other personal consumer reports

My information has been compromised in the data breech
Product: Credit reporting or other personal consumer reports

I formally requested validation of an account being reported by Sequim Asset Solutions as inaccurate on my credit report. 

On XXXX, the certified letter to Sequim Asset Solutions was delivered requesting verification of the debt, but to date, I have not received any validation. 

The continued reporting of this incorrect information is causing significant harm to my personal credit score and preventing me from obtaining critical funding for my LLC.
Product: Vehicle loan or lease

I recently received a letter from Wells Fargo auto stating that I owed {$1700.00} by XX/XX/XXXX or else they would reposses my vehicle if I didn't pay. I sent out written correspondence disputing the allegations, but I have not received any response yet. I don't have any contracts with Wells Fargo auto and I demand that they remove any encumbrances or liens from my property if there are any. They are attempting to steal my vehicle by theft and violate my rights. I have been a victim of identity theft in the past and this seems to be one of those situations. I paid cash for my XXXX XXXX XXXX and do not owe Wells Fargo anything because they never gave me anything of value.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I contacted M & T Bank to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the M & T Bank Mortgage department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired 3 different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. M & T Bank did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX  a XXXX XXXX XXXX XXXX account was furnished to my Experian credit report without written instruction or consent of I, the consumer per 15 USC 1681b ( 2 ). The account has been charged off and has since become income for the debtor and when XXXX XXXX XXXX XXXX was contacted for a copy of the 1099 C they refused. I have reached out several times regarding this matter and have been lied to, hung up on, or left on hold for hours. I also sent in a " Opt-Out Request for Disclosure of Nonpublic Personal Information '' letter and was met with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 


1. This account resulted due to identity theft. 
Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

On XXXX XXXX I sent a certified letter to Debt Recovery solutions for debt validation. The letter arrived tot he company on XX/XX/2020. I mentioned in my validation letter to please provide me with competent evidence that i had any legal obligation to pay them. I mention to please reply within 30 days with proper documentation. I sent debt Validation letter packet for the company to complete and with return with the proper documentation. The company responded within the time frame but they sent a copy of a bill invoice saying this is their validation and if i could pay now. I am very disappointed with what the company provided to me not only was the company not compliant to what i requested but they sent a copy of bill which proved nothing to me and then demanded payment without verifying anything to me. i state in the validation letter packet that the company must return the completed form along with copies of all requested information, which establish their right to collect the alleged debt within 30 days from the date of the receipt of the letter. If no their claim can not and will not be considered if any portion of the form is not completed and returned. unfortunately DRS didn't provide anything but a copy of a invoice.
Product: Mortgage

Back in XXXX of XXXX I called Ocwen who is my mortgage lender because I was behind on my payments. The representative I spoke to suggested that I do a loan modification. I told him I would like to try that so he was sending me the paperwork. I asked him that if in the meantime I should bring my mortgage current because I could borrow the money from someone I knew. He said yes go ahead and do that. When I got the paperwork I gathered all the documents filled out the paperwork and sent it in. It came back denied, when I asked them if they could tell me why I was denied they told me that it was because I was not behind on my payments! I was angry because that person I knew that if I became current I would not qualify. Their response was that they always encourage people to make their payments! So I continue to struggle making my payments. And in XXXX of XXXX I was behind again. I had a law firm that was contacting me that told me they could help me get my payments 2 less than {$700.00} a month. I had my income tax return so I could have brought my mortgage current but the law firm told me not to because they would have to start their process I'm getting a new loan modification for me all over. That ended up being a disaster because they claim they did not know about a deferred amount on my mortgage and I ended up with a loan modification the changed my monthly payment from {$1000.00} a month to {$1500.00} a month. That was finalized and I started making those payments around XXXX of XXXX. I fell behind again and when I try to make a partial payment at the beginning of XXXX of XXXX the website told me that I needed to make a payment of {$5000.00} by XX/XX/XXXX. I proceeded to gather the money and a week before that date I called to find out if I could just make the payment over the phone. The representative I spoke to said I could do that. I asked him if it would withdraw that very same day because I had money going in that day and I wanted to make sure that the money was in there before the withdrawal came out. He told me that I could make the payment the following week and if that would be okay. So he said he would make a notation in my file that I was going to make the payment on XX/XX/XXXX of {$5000.00} over the phone. When XX/XX/XXXX came and I called to make the payment they said I could not make the payment. They told me I had to call a law firm and talk to someone named XXXX. When I called the number they gave me there was no one named XXXX working there but the woman told me that I was speaking to that she could help me. She said that she could get me a new reinstatement quote an email it to me within 3 days. When I received that quote it was for {$7400.00} because there were lawyer fees attached as well and the date I had to come up with that by was XX/XX/XXXX. I do not understand how a company can just tell people whatever they want and not honor the agreements they make. There is something very wrong with all of this and I believe that I have been treated very unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern I received a copy of my credit report. To my surprise you are reporting these accounts incorrectly. These Collections accounts is reporting not only as open but also shows a past due balance. According to the FCRA i have the right to a accurate credit report. Please remove these accounts immediately from my credit report. 
Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) you are required by federal law to clearly and accurately disclose all information in my file at the time of the request. Please respond with Verifiable proof of an original consumer contract with any signature that you have on file for the accounts listed. I am the victim of identity theft which resulted some accounts being opened in my name. I have filed a report with the federal trade commission and i reported the issue to the companies where opened. Please remove the following accounts which were opened by fraud within 4 business days per FCRA section 605B ( a ) 1. XXXX XXXX XXXX # XXXX {$1100.00} 2. XXXX XXXX XXXX # XXXX {$420.00} 3. XXXX XXXX XXXX # XXXX {$230.00} 4. XXXX XXXX XXXX # XXXX {$3700.00} 5. XXXX XXXX XXXX # XXXX {$270.00} 6. XXXX XXXX XXXX # XXXX {$230.00} 7. XXXX XXXX XXXX # XXXX {$160.00} 8. XXXX XXXX XXXX # XXXX {$54.00} 9. XXXX XXXX XXXX # XXXX {$160.00} 10.XXXX  XXXX XXXX XXXX XXXX {$160.00} 11. XXXX XXXX XXXX # XXXX {$160.00} 12.XXXX XXXX XXXX # XXXX {$160.00} 13. XXXX XXXX XXXX # XXXX {$350.00} 14. XXXX XXXX XXXX # XXXX {$55.00} 15. XXXX XXXX XXXX # XXXX {$220.00} 16. XXXX XXXX XXXX # XXXX {$230.00} 17. XXXX XXXX XXXX # XXXX {$160.00} 18. XXXX XXXX XXXX # XXXX {$54.00} 19. XXXX XXXX XXXX # XXXX {$3600.00} 20. XXXX XXXX XXXX # XXXX {$160.00} 21. XXXX XXXX XXXX # XXXX {$6700.00} 22. XXXX XXXX XXXX # XXXX {$190.00} 23. XXXX XXXX XXXX col XXXX # XXXX {$620.00} 24. XXXX XXXX XXXX XXXX # XXXX {$330.00} 25. XXXX Account # XXXX {$5600.00} 26. XXXX XXXX XXXX # XXXX {$730.00} 27.
Product: Student loan

I applied for a school misconduct discharge for my private loans and received a generic denial despite my federal loans being discharged under the Borrower Defense to Repayment ( BDTR ) program due to predatory practices by the XXXX XXXX XXXX XXXX XXXX. I have also been unhelpfully responded to when seeking assistance. There is an ongoing group discharge due to the colleges predatory lending, and I believe my application meets the necessary requirements for approval.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting a collection account on my experian credit report in the amount of {$3200.00} account number XXXX. According to FDCPA 15 usc 1692 my rights are being violated. I had never did any business with said a company nor have or had any active contracts.please have this deleted from my credit report immediately
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear CAPITAL ONE, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to XXXX XXXX debt from approximately XXXX years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 

Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 

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

MYFICO has recently reported that Equifax has dropped my score. When I contacted Equifax, the reps were unable to provide a valid reason as to why my score was dropped. My Revolving accounts are in good standing, under 30 % and my debt has gone down since last month. I have one collection from years ago that was paid in full years ago. when I called. Equifax customer service the rep had no clue and was not making sense. He tried to blame my collection account but failed to realize that Equifax raised my score since that account had been paid in full. So, why would it matter this month? They are retaliating because I reported them and they're continuing their misconduct
Product: Credit card

My father obtained a credit card in my name and the debt went to collection before I was made aware of the debt. I contacted the debtor and proved I did not incur the debt and therefore, did not owe it. According to my mortgage company, the debt is still on my credit record. I received a copy of the XXXX report and the debt of {$6000.00} appears to be deleted, but my mortgage company states the debt still resides on my XXXX report.
Product: Credit reporting or other personal consumer reports

ALL THREE CREDIT BUREAUS ARE BLOCKING UPLOADS TO SEND POLICE REPORTS FOR ID THEFT/FRAUD INQUIRIES ON ALL THREE REPORTS
Product: Mortgage

I applied for a construction loan to build a house. Ameris bank pulled my credit history 3 times during this process. One time same company name 3 different addresses. From XXXX last year XXXX to XX/XX/XXXX. The credit score was XXXX and now is XXXX. During this process I was sent emails by Ameris bank on several occassions after XXXX XXXX if I did not esign the documents by the end of the business day, we would not be able to close. Also, Ameris bank used " their '' appraisal agent which reported less than half the current value of the state taxing agent. The cause an increase in the amount to be borrowed.