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

Please do not verify as " accurate information '' without a thorough investigation I am writing to formally dispute the accuracy of the information reported by XXXX XXXX  Account Number : XXXX on my credit report. While I previously submitted a dispute requesting a review and correction of inconsistencies, I am dissatisfied with the outcome as the reported information remains inaccurate. 

I am requesting that you conduct a more detailed investigation into this account, focusing on verifying the accuracy of all reported information and correcting any discrepancies. The account information provided by XXXX XXXX has not been updated to reflect accurate data. 

Please escalate the matter and review the account thoroughly and make any necessary corrections to ensure that the information reported on my credit report is accurate. If you are unable to resolve this matter satisfactorily, I will move further with showing proof of the inaccuracies and then seeking legal recourse. 

I have enclosed copies of relevant documents to support my dispute. Please provide me with written confirmation of your findings and any updates to my credit report reflecting accurate information.
Product: Payday loan, title loan, personal loan, or advance loan

I entered into a loan agreement with GoodLeap to finance the installation of a solar panel system by XXXX XXXX XXXX. The solar system was supposed to significantly reduce or eliminate my electricity costs. However, the system has failed to meet the promised performance levels, leading to a substantial increase in my monthly expenses. My total energy costs have risen from {$200.00} to {$650.00}, with {$200.00} for regular electricity and {$450.00} for the solar panel loan payments. 

Additionally, XXXX XXXX XXXX has recently declared bankruptcy, which constitutes a material breach of the contract according to the terms outlined in the agreement. This bankruptcy has voided the warranty and left me without the necessary support to address the system 's deficiencies. As a result, I am now paying for a system that is not delivering the promised benefits, with no recourse to have it corrected or supported. 

I have requested that GoodLeap cancel the loan and discharge all remaining financial obligations due to the breach of contract and XXXX XXXX insolvency. However, GoodLeap has refused to do so, stating that the system is functioning properly from their perspective, despite the ongoing financial burden it imposes on me due to its underperformance.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMER FST CU and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMER FST CU and XXXX/XXXX   with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I am composing this urgent correspondence to implore the intervention of the Fair Debt Collection Practices Act ( FDCPA ) to halt the illicit foreclosure proceedings that are currently targeting my residence, which is presently in a state of pre-foreclosure. These proceedings have been relentlessly pursued by Real Time Resolutions , Inc., headquartered in XXXX, Texas, and XXXX XXXXXXXX XXXX, based in XXXX, California. It is pertinent to note that the fraudulent Home Equity Line of Credit ( HELOC ) account, complete with fabricated and forged signatures and fingerprints, was initiated XXXX  years ago. 

I have lodged formal complaints with several authoritative bodies, including the Consumer Financial Protection Bureau, the Federal Trade Commission ( Account number : XXXX ), the California Attorney General 's Office ( Case number : XXXX XXXX ), and the XXXX XXXX XXXX District Attorney 's Office ( Case number : XXXX ), in addition to corresponding with the California Secretary of State, XXXX XXXX XXXX XXXX Regrettably, my efforts have brought to light discrepancies, such as the discovery that a notary public had misrepresented her last name. Furthermore, I reported these egregious acts of fraud to the Federal Bureau of Investigation ( FBI ) on XX/XX/XXXXXXXX XXXX XXXX  and despite numerous interviews, the FBI has not pursued the matter, citing a statute of limitations related to the financial crimes committed nearly two decades ago. 

The financial toll resulting from this duplicitous conduct, which transpired in XX/XX/XXXX and XX/XX/XXXX, amounts to a staggering {$180000.00}. Moreover, the perpetrators made regular interest payments for 27 months to conceal their actions. To compound matters, the fraudulent HELOC account was sold to a debt collector by XXXX XXXX XXXX XXXX XXXX, leaving my wife and I ensnared in a web of deceit and accruing interest. 

In light of these distressing circumstances, I urgently implore your immediate intervention to engage the debt collector, XXXX XXXX, to halt the impending foreclosure proceedings scheduled for XX/XX/XXXX XXXX XXXX 

Sincerely, XXXX XXXX and XXXX XXXX Homeowners of XXXX XXXX XXXX, XXXX, CA XXXX
Product: Debt collection

The companies Metro area collections services llc, and XXXX XXXX are falsely reporting amounts owed by adding fees and who knows what else. And attempting to extort me, originally tried collecting XXXX now want over XXXX XXXX. Metro area collection service is conducting illegal debt collection harassment by reporting whatever they want. without supervision, this company will continue to attempt to extort consumers. action needs to be taken original debt XX/XX/XXXX Total : {$1000.00} current debt : XX/XX/XXXX total : {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud. XXXX and XXXX data breach. Accounts are not mine. Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is Improperly reporting late payments on my account and it is severely affecting my credit. According to the three credit bureau 's the information being reported by XXXX XXXX was accurate and verified back in XX/XX/2022, however the dates of last activity, dates of last payment, balances as well as late payment statuses are severely skewered. This affects my ability to apply for credit because it is showing up on my reports as a derogatory account, when I have been making on time payments consistently. 

According to FCRA I have a right to privacy and the right to accurate credit reporting, which the credit bureau 's are violating.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Santander Consumer USA Inc . 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons. 


Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XXXX I contacted Amex to help enroll me into the Financial Relief Program. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. 
They said my account would be updated and I would see the lowered payment and begin in XXXX. 
That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on Amex 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. 
They agreed on a recorded line and made notes according to the agent. 

Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by Amex. 

I always let Amex know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. 
Amex has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. 

I am now employed and will pay the card off but need Amex to remove the info as agreed.
Product: Bank account or service

I began receiving mail from USAA Bank confirming the establishment of my new XXXX XXXX XXXX XXXX account. These mailings included account numbers, amounts, membership cards with account numbers, account disclosure statements, etc. I contacted USAA to inform them that I did not, and have never, dealt with USAA - and I was repeatedly transferred to different departments until the call was dropped. I was repeatedly told that they ( USAA ) could not discuss the account with me because it was " restricted ''. USAA possesses all personal information for both me and my wife - I do n't know how they came into possession of this information and they will not discuss anything with me - even though they have allowed this account to be established. FDIC is their regulatory authority and I can not understand why this account was opened in my name without proper due diligence ... .rules state that proper identification must be obtained prior to opening an account. See XXXX XXXX for Banks, XXXX ( a ) ( XXXX ) Customer Identification Programs for banks, etc. I would like to pursue punitive measures against USAA Bank and XXXX XXXX, CEO., USAA Bank XXXX
Product: Bank account or service

Outrageous over draft fee of Bank of America and Rude behavior of customer service rep when called for resolutionI am having Checking Account in Bank of America and I When Travel to XXXX on my XXXX and bank of America Does n't have any ATM's/Bank Center to Deposit the money to Meet Bill payments, When I have Bill payment scheduled to pay on particular day and During that Period on Travel ans also extended stay I ca n't able to deposit money to meet the bill payment and Bank of America need to facilitate some kind of method to handle with out having charges from other financial institutionsThe XXXX Over draft charges of {$35.00} each XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The accounts linked to identity theft on my consumer report were added without my written authorization. These fraudulent items have caused significant emotional and financial distress, hindering critical financial goals like home purchasing. I demand the immediate blocking and removal of these inaccurate accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a certified letter to all XXXX credit bureaus about each collection agency listed on my credit report asking for validation of the debt and the method of validation along with my wet signature on the original contract of the said company where I agreed that my information could be sold or given to the credit collection agency. The first time around the only thing I got was a notification that the credit collection agencies met the required FRCA rules and an updated credit report. 

On XX/XX/22 I sent another certified letter to each credit bureau again about the same collection agencies listed asking again for validation of the debt, the method of validation and my wet signature on the original contract. 

None of the disputed accounts have been fully validated and the information I requested has not been presented. I asked that the accounts be deleted if they were not able to verify the accounts properly. This has not been done.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4400.00}, {$6000.00}, {$7500.00}, {$3000.00}, {$4500.00}, {$1000.00}, {$300.00}, {$9200.00}, {$2100.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 









-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account.

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have tried to contact Transunion to resolve those issue but no luck. I was faced financial hardship losing my job due to the pandemic layoff. The CARES Act, passed in XX/XX/2020, gave legal protection to consumers by providing loan forbearance. Under the act, consumers were given the option of not making payments on their loans without suffering any credit-related consequences, like late payments and delinquencies. Also, creditors must make accommodations for people having trouble making payments. But I was never contacted. Due to XXXX forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of XXXX forbearance period. I have late payments on my report that I want to be removed because I am a victim of XXXX XXXX and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of XXXX forbearance period.
Product: Credit reporting or other personal consumer reports

I demand proof you contacted the FTC to verify these affidavits and the name and address of the persons contacted to validate the accounts. The method of investigation used, as required under FCRA 611 15 U.S.C 16811, or delete the account.
Product: Credit reporting or other personal consumer reports

I have sent in a written dispute on requesting to remove wrong personal information that is on my credit report from XXXX, XXXX, Experian. I provided them XXXX, XXXX, Experian with the updated information as required. A copy of my Drives License and also a current bill with my name and current address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX , SC XXXX
Product: Debt collection

Im getting calls back to back. Theyre calling hanging up and immediately calling back not even giving me a chance to answer. This is extremely frustrating.
Product: Debt collection

This is not a duplicate complaint, Credit corp is using this as a stall tactic. Credit Corp failed to respond to the issues raised in the previous complaint ( complaint numbers XXXX ) so I made a new complaint with a new letter and invoice attached for the violations under the FDCPA. The new complaint number was XXXX. In the first complaint Credit Corp stated they are sending correspondence to me via mail they did not send anything besides what they called there validation package including an affidavit they wanted me to complete ( there response attached ) they failed to provide the items requested by me. I am a consumer that has the right to say if the debt is alleged and because me stating its an alleged debt which is exercising my federally protected rights, Credit Corp threatened to put the tradeline on my consumer report, which is a definite violation of 15 U.S.C 1692 THE FDCPA. They have not mentioned a solution for there employees violating my federally protected rights. Attached is a letter and a invoice, If credit corp fail to rectify this issue the next steps will be legal matters. Only respond to me via cfpb. The invoice attachment is time sensitive.
Product: Credit card

Dear CFPB Representative, I am writing to formally lodge a complaint against USBANK concerning the unfair denial of my credit card application. I submitted my application on XX/XX/year>, and was subsequently denied. The reason provided for the denial was that USBANK ( was not my XXXX XXXX XXXX ) believes my account would be used for fraudulent purposes. This assertion is baseless, discriminatory, and without merit. 
I have always maintained a good credit history and have never been involved in any fraudulent activity. The statement made by USBANK is not only unfounded but has caused me significant distress and inconvenience. 
Attached to this letter, you will find a copy of the denial letter from USBANK. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that USBANK addresses this issue and rectifies any erroneous records pertaining to my application. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Product: Mortgage

Carrington Mortgage Services , LLC has notified me that they will report a 30 day late payment to the credit bureaus. I feel this is entirely unfair and would negatively impact me in a severe way, as I am looking for homes to buy and potentially move with my family ( wife, XXXX XXXX XXXX daughter and XXXX XXXX XXXX son ) within the next 3 months and this would negatively impact my credit score in an extreme way and make buying a home essentially unfeasible for me in an already difficult home market. 
In early XXXX of XXXX ( I forget which day exactly, but it was within the first week of XX/XX/2023 ) I elected to switch the dates of my autopay for my mortgage company " Carrington Mortgage Services , LLC ''. 
There's a system limitation in Carringtons payment system, in which changes to the autopay date take at least 3 business days to process. Meaning if on XX/XX/XXXX, I make a request to have my autopay date moved to XX/XX/XXXX, the system will not be able to process a payment on XX/XX/XXXX, the earliest they claim the system can process a payment in that scenario would be XX/XX/XXXX. 
I was unaware of this system limitation and requested that the autopay date be 2 days later. And because the system supposedly requires 3 days before changes in autopay can be implemented, Carrington mortgage just didn't process my mortgage payment for the month of XXXX. The system did not process any payment until the following month ( XXXX ), which caused me to be 30 days late. 
They claim that there's a notification screen that alerts you as to this system limitation. However, from my memory there was only a small screen of fine print that said something I didn't quite understand. This is a very bad faith effort to notify consumers of something that is so extremely financially significant and can alter peoples financial lives. 
Additionally, Carrington mortgage claims to have called me multiple times before the 30 day delinquency. However, they call without using any caller identification so my phone ( using an industry standard notification system ) shows the call as spam. On top of this they did not leave any voicemail notification at all. They claim this is to protect my privacy, but it doesnt make any sense that they cant simply leave a voicemail identifying themselves ( since they dont have any sort of basic company caller identification services ) and request a call back. Again, this seems like a very bad faith effort to notify an honest consumer of something of monumental importance. 
Carrington Mortgage, claims to have mailed notifications to my address on file, but I didnt receive any notification in the mail until after the payment was already 30 days late. These could have been mailed much out sooner and an expedited service could have been used and charged to my account. Its far better to pay a {$5.00} fee to be notified, than to be 30 days late on a mortgage payment. Again, this is a poor excuse for an effort to make timely notification for such an important issue. Lastly, I did not receive a single email notification on this topic, to my knowledge.