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

I am writing to formally dispute the accuracy of the late payment entries reported by your company to XXXX regarding my account XXXX. It has come to my attention that these entries are inaccurate and do not reflect the actual payment history of my account. 

According to my records, I have consistently made timely payments as agreed upon in our contract. The reported late payments for the XXXX, XXXX, XXXX XX/XX/2024 are not only erroneous but also damaging to my creditworthiness and overall financial standing. 

I am requesting that you thoroughly investigate this matter and provide me with a detailed account of the reasons these inaccuracies were reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any erroneous information contained in my credit report, and I expect a prompt response from you regarding this matter. 

One mistake I noticed it that I made a payment in XXXX but you are reporting me 30 and 90 days late in XXXX & XXXX. I demand that you immediately take steps to remove them from all credit reporting agencies. Failure to correct this misinformation will leave me with no choice but to pursue further actions, including contacting the Consumer Financial Protection Bureau ( CFPB ) and exploring legal remedies. 

Thank you for your attention to this urgent issue. I trust that you will handle it with the seriousness it deserves.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls undeXXXX XXXX  according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I was out of the country unable to cross the closed Covid XXXX border I was very sick with XXXX! my WELLS Fargo account was over drawn by maybe max {$200.00}. They closed my account despite me telling them I was forwarding money. Upon receipt of my money they returned it closed account I called and explained my situation and told then I would deposit money asap. They closed it without reason cause. They call me on A computer call many times a week to collect the overdraft. I told the phone callers I had and did send a letter asking them to reconsider their cruel actions but no response. They were ruthless! I like Wells Fargo and believe it was actions by a over XXXX  collections department. I want my account back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I've sent a copy of my Identity Theft Report to Equifax, XXXX & XXXX  along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to my credit report. they have not sent any documents over supporting how they could allow this to happen.
Product: Credit reporting or other personal consumer reports

I have late payments showing on my credit report from XX/XX/XXXX to XX/XX/XXXX and this company is indeed misinforming the credit bearus on transition its saying ive been late since XXXX and that ive paid on XXXX and on XXXX its saying that I haven't paid since XXXX this account is showing plenty of innacurate information from the date the account was opened to when it was closed none of the information is matching through all 3 credit beaurus update my account to paid on time never late and update it through all 3 beaurus
Product: Debt collection

Here is the email I got from Cash Advance collectionfrom XXXX XXXXXXXXXXXX & gt ; Find Your Warrant Copy : XXXX which will be going to release on Monday evening XXXXThis is the XXXX final chance for you. 



This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

This is the XXXX final chance for you. 
This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 



CASE NO : # XXXXAmount Outstanding $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. 



Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
Product: Debt collection

This debt collection agency on XX/XX/21 explained that they did extensive research in theyre data base, so I could providing true validity of this debt and couldnt come up with anything stating that I owe persolve or account resolution. Instead of taking it off completely from there theyve continued to make huge impacts on my credit by increasing the supposed debt every 7-10 day by + {$65.00}. Everytime I call they put me on hold and continue to say Im not in there system .Theyve responded to the FTC Credit bureaus by taking the regular persolve name off .Then just replacing with a one of there new names similar to the original, or blatantly taking the name off and putting it back on the the same day.
Product: Debt collection

On XX/XX/XXXX, I received repeated calls that indicated Unknown and Spam on my cell number that is associated with my personal, unsecured loan account. Finally, I decided to answer the number that displayed Unknown. The representative proceeded to advise me that he was from the XXXX XXXX and needed for me to verify my account before providing any information. 

I said, " WAIT, hold up ''. " You are advising me that you are from the XXXX XXXX, who has all of my personal information and data, you " proactively '' call me and then ask me to provide you with my personal information. Is this a joke? '' The representative advised " well, I assure you, it's necessary and even though we called you. I advised this seems strange and not a practice that you should be conducting. The XXXX XXXX proactively called me from Spam and Unknown number and thought I would just voluntarily provide my account information. Are they insane? Perhaps they have become ignorant to all the ID Theft and data security breaches occurring against everyday citizens. This was not me calling XXXX XXXX, it was the XXXX XXXX proactively calling me from an unknown number. This is a horrendous and sketchy practice. 

To add more fuel to this fire, I decided to call XXXX XXXX back at XXXX to speak with a representative about the previous calls and determine if valid. This was a mistake. Although, I learned that the calls were valid! Apparently, the auto-debit from one of my personal loans was turned off and they wanted to speak about a payment. However, the representative was hostile and rude. I could not believe that a firm that has been my go-to financial institution for small personal loans went to XXXX in a hand basket so quickly. Since I called in this time, I was more than happen to know my account information needed validation but she kept cutting me off as I was trying to verify. She was impolite, apathetic. She was only focused on getting my loan payment matter sorted. I advised and authorized her to ACH debit agreed upon account and then asked to speak to a supervisor. She placed me on hold and advised that I would have to be put on a list to get a call back. I never did.
Product: Credit reporting

I ca n't find out which company reported derogatory information to Equifax. They list it as XXXX XXXX reported through XXXX. XXXX has on indication of back due debts. I have no idea who or what XXXX is? They apparently are the culprits and I ca n't contact them. Equifax is not helping by giving me the info I need. I do n't think they even know.
Product: Credit card

I have two credit cards with AspireCredit Card issued by XXXX XXXX XXXX XXXX. I always paid them on time especially one that I have had for a while. Back in XXXX, XXXX, my brother passed and I lost my job. I was able to make payments on XX/XX/XXXX to both cards. I was denied unemployment and could not make payments due in XX/XX/XXXX. I received one call only about what I owed and explained the situation I was in and why I was not paying but had a great history with paying. The last payment was made in XX/XX/XXXX. It was not the full amount but I tried my best. Today, I tried to go to Aspire 's website and it stated this email/password could not be found. I called and was informed that both accounts are closed. I was told by XXXX that I was sent emails informing of such action being made. I searched my email and there were no notices at all. I requested to speak to a supervisor. The supervisor stated as the accounts are closed there is nothing she can do. I will have to pay the full amount on both cards and then reapply. I told her I couldn't pay before and that I was going to start today and if I couldn't pay the minimum that has accumulated late fees, how am I to pay {$1400.00} plus now, knowing that I will be denied as well when I reapply for missing payments now and accounts being closed. She stated that they sent me a letter through the mail when I told her I never received an email regarding the potential closure. I informed her that the only thing I did receive was a statement to pay, as I get every month, and that there was a notice on the front of the statement my account was closed to new transactions and the terms of your cardholder agreement still apply and to see the agreement for more details. I explained to her that I do not have the agreement as I don't have it as I have been with them for so long and never had issues with payment before. I told her that although it may be in the agreement that I should have received even on the notice that they were going to close the account by a certain date as other credit cards have done. I feel that this is an injustice, especially with my positive payment history and my hardship were not taken into consideration. Thank you for your time.
Product: Credit reporting or other personal consumer reports

THE DELINQUENT PAYMENT SHOWING ON MY CREDEIT REPORT ( XXXX XXXX  XXXX OPENED XX/XX/year> ) WAS A RESULT OF MY JOB LOSS DUE TO XXXX. THE CARES ACT, WHICH WAS SIGNED INTO LAW ON XXXX XXXX, AND ENDED XXXX XXXX. THIS ACT AMENDED THE FAIR CREDIT REPORTING ACTT ( FCRA ) TO STOP ADVERSE CREDIT REPORTING DURING THE XXXX CRISIS UNDER THESE CIRCUMSTANCES. PLEASE UPDATE THIS INFORMANTION IMMEDATELY TO PAID/NEVERLATE FOR THE FOLLOWING TIME PERIOD. THIS LATE PAYMENT IS HURTING ME INTO PURCHASING A HOME FOR ME AND MY FAMILY. THANK YOU FOR YOUR UNDERSTANDING AND PROMPT ACTION.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter.

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process.

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report.

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record.

Thank you once again for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/ and XXXX this year I submitted a complaint regarding on the Bankruptcy records on my credit report. Today I am submitting a complaint for the removal of the fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was made by XXXX on my TransUnion credit report on XX/XX/21. I had made no requests for credit. I called XXXX XXXX XXXX XXXX and they could find no such activity. My last name was incorrectly spelt on the report and the phone number was also incorrect. I have written to both TransUnion and to XXXX and await their response hoping that this is thoroughly investigated and the inquiry removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and XXXX of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I check my credit report to see this account that does not belong to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely effective measures to prevent an address fraudulent activity on their platform, while leaving my account vulnerable protected. Furthermore, their dispute and resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Transfer Fund Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience as well as tremendous financial loss and I seek appropriate redress for this damaging violations.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear NET CREDIT, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that NET CREDIT has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law. 

I assert that I have not provided any consent to NET CREDIT to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law. 

I demand that NET CREDIT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting NET CREDIT to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I have requested many times that these 2 accounts have been reported for over 7 years now and they are still on my credit file, Experian has wrong information provided to them as the other 2 credit reporting agencies have deleted these items already. also I have a collection for one of these accounts on my Experian credit file scheduled to be deleted by XX/XX/XXXX. so the fact that the the original account is still showing on my file doesn't make sense as they should both only be on my credit file by law 7 years from the original date of first delinquency, but according to Experian the collection account will fall off by XX/XX/XXXX and the original account wont come off until XXXX of XXXX that doesnt make sense at all so there is something wrong and misreported on my file in which they need to be removed, but Experian continues to say these accounts are verified time after time. 

the accounts in question are XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX as stated before the XXXX XXXX XXXX account has a collection account scheduled to be deleted by XX/XX/XXXX while the original account will still show on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely XXXX, Transunion and XXXX  suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.
Product: Mortgage

my father had a reverse mortgage. he passed away in XXXX i have been trying to work with the service provider as the sole heir. they keep changing hands and losing paperwork. its been ongoing 17 months now. now they have broken into the property and charged me XXXX bucks for their mishap. i need help. and i want them to be held accountable for all the errors over the years. they took advantage of my XXXX year old father multiple times with these predatory loans.
Product: Debt collection

Hiday & Ricke P.A. of XXXX, FL ( Representing XXXX XXXX ) has our entire bank account of over {$4000.00} on hold for garnishment for a credit card debt with XXXX from 2002 from a previous marriage without any notice at all. Even though my name is on the bank accounts along with my husband, son and my mother, I am on there as a convenience only. Hiday & Ricke has told me that the statute of limitations is 20 years, for credit card debt. However, the limitations is 4 years. XXXX XXXX was not filed. Now that I have purchased a round trip plane fare, filed for an exemption, Hiday & Ricke ( representing XXXX XXXX ) have filed a motion for a telephonic hearing. Because of this, my husband had to get a {$5000.00} loan to cover all our bills including return checks and nsf fees. I really appreciate anything that you can do to help me in this situation.