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

I am writing to follow up on my previous correspondence regarding the dispute over unauthorized hard inquiries on my credit report. I appreciate your attention to this matter and would like to provide additional details for your consideration.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy notation on my credit report that is reported for the XXXX XXXX XXXX, as it appears to be erroneous. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure accuracy in the information that appears on credit reports. I have reviewed my report carefully and noted that a bankruptcy filing is inaccurately listed. I have reached out the bankruptcy court and they advised they do not report to ANY credit reporting agency, so they did not supply the information being reported.
Product: Credit card or prepaid card

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX is the correct account name and address, I signed up for this card and purchased one item and paid it. Next month I didn't use card but Chase sent invoice for service charge of {$13.00}. I don't like service charges for having their card I paid the {$13.00} and wrote note on the invoice and also on my check to cancel the card. Evidently they didn't and sent another invoice for {$13.00} and have continued. 
I have written letters, sent notes but all I get is form note back saying they are investigating. They should cancel all service charges! 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I filed a complaint against Wells Fargo relating to misleading financing information on arrival for a dental appointment. My proposed resolution requested that Wells Fargo remove a derogatory credit card account from my file because I was misled and received the wrong financial product. I filed this complaint after attempting to work cooperatively with Wells Fargo for an extended period of time. I had hoped that this would be a painless process. 

Just hours after filing a CFPB complaint this morning, I received an Experian alert that Wells Fargo added new derogatory information to my XXXX credit file and " flagged [ my ] account as Charge-off ''. Attachments for review. Wells Fargo 's actions immediately lowered my credit score.

Laws and regulations enforced by the CFPB include anti-retaliation provisions for those who file complaints. I have questions and concerns about why Wells Fargo flagged my account with derogatory information less than XXXX hours after filing a CFPB complaint.
Product: Debt collection

Several time a day I am receiving phone calls from Focus Receivables Management , LLC. The phone call is an automated call that alerts me that that this is an attempt to collect a debt and to call their number, XXXX. 

I have called there number repeatedly but never get an answer. After sitting through a short automation, ( click XXXX to speak to someone ... ) The phone simply rings continuously and no one picks up. At this moment, it has been ringing for XXXX. No answer. 

The debt is not mine. It belongs to the person who previously held my current phone number. I would like to ask them to delete this number from their system to stop the consistent calling but I ca n't get through to anyone. 

It has now been ringing for XXXX seconds.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Debt collection

Calls 4-5 times a day, leaves a message not saying who they are, and when I do answer they do n't say who they are and ask me to hold to talk to someone after talking to someone. I get calls at random times of day Monday - Sunday. Even worse is my loan is t late. They call for payment on a loan that is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an email from XXXX stating my dispute was ready to be viewed online, upon clicking the link in the email and giving my personal information I received an error message stating my personal information did not match their records. I called XXXX multiple times to never be connected to a live person to get my question answered about my dispute. I have not been able to successfully been able to view my disputed information after it was completed. The email stated the results of the dispute would only be available for 30 days, as of today I only have 21 days to view it. I have been unsuccessful with disputing any further accounts or information on my XXXX file online
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX To Whom It May Concern, I am writing to file a formal complaint against Equifax XXXX XXXX and XXXX for their continued failure to correct inaccurate late payment information on my credit report concerning my XXXX account ( # XXXX ). Despite multiple disputes filed on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, no corrections have been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information and Discrepancies : The late payments reported for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are inaccurate and inconsistent across all three credit bureaus, as highlighted in my previous disputes. These discrepancies directly contradict the actual payment history for this account, which reflects a current status with no delinquencies. Additionally, the discrepancies in the " Date Last Active '' and " Last Reported '' fields further underscore the lack of accuracy and uniformity in the information being reported. 
Legal Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information included in consumer files and investigate disputes thoroughly. The failure to resolve these errors after multiple disputes is a blatant disregard of this obligation.

15 U.S. Code 1681b and 15 U.S. Code 1681c emphasize the importance of maintaining accurate and complete credit reports. Reporting inaccurate late payments undermines these protections.

TILA Violations : 15 U.S. Code 1666b requires creditors to provide timely and accurate periodic statements. The late payment reporting indicates a failure to comply with this requirement and has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors and reporting agencies have a duty to ensure that consumers are not unfairly penalized for alleged delinquencies when they have fulfilled their obligations. The repeated reporting of inaccurate late payments is a violation of this principle. 
Desired Resolution : I am demanding the following actions be taken immediately : The removal of all inaccurate late payment notations ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) from my credit report. 
Written confirmation that these corrections have been made and that the account reflects accurate information across all three credit bureaus. 
Failure to address this issue promptly will leave me no choice but to escalate my complaint to higher authorities, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 
This is the fourth dispute regarding this matter, and your continued inaction is unacceptable. I expect a resolution to this matter no later than 30 days from the date of this letter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Hello Sir/Ma'am I am writing as concern as a service-connected veteran of XXXX XXXX. For over 9 years the VA has deducted amounts owed to services rendered by the VA Outpatient clinic from my VA XXXX compensation. I am 10 % service-connected, and never once had paid out of pocket for medicine due to it the VA taking it out of VA XXXX compensation. The VA has showed me over the course of 9 years and more that is what they do. It is disturbing on many levels that I now have a debt collector and that my credit is now going to be affected due to someone not taking {$8.00} from my compensation, now I have a balance of {$33.00} dollars. The VA always had a way to access unpaid funds from me, since that is what they have been doing for over 9 years, with the exception of that 1 time. Veterans to include myself struggle with XXXX due to things that happened in the military and to have this happen to me. It makes think that this is happening to other veterans needlessly. Especially, when the VA has an avenue to get their money, and that my service-connected XXXX is paid by the VA. it does not make sense. This should not have gotten to this point due to having methods to deduct {$8.00}.
Product: Credit reporting or other personal consumer reports

Information is incorrect or not mines need you to do full investigation
Product: Credit reporting or other personal consumer reports

I have made multiple disputes regarding a debt that I paid to have deleted from my credit report. The original creditor was XXXX, and the debt was later purchased by XXXX XXXX, who used a third party named XXXX to collect the payment. The debt was settled and paid in full on XX/XX/year>. However, it is still listed on my credit report as a closed, unpaid account, despite the agreement to delete it upon settlement
Product: Debt collection

15 usc 1692c ( c ) that law clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, Credit Acceptance is NOT reporting my good, on time payments for my car payments. I asked C.A. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.
Product: Credit reporting or other personal consumer reports

CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed items despite the evidence provided. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to inform them three times of several accounts with wrong information and one account is a double account of the same thing when I only had one account with the creditor
Product: Mortgage

The Investor through their servicing agent Selene Finance is engaging Predatory collection Practice though Mortgage Service Abuse Bad Faith and Unfair Business Practices, behavior tactics and attempt at Equity Thief. 

Selene Finance purposely delated the Short Sale process in order to increase their profits by increased fees all the while with no intension of ever approving the Short Sale thereby causing unnecessary stress and severe mental anguish. 

The Homeowner or their agent has been is continued communication with Selene since XXXX of 2016. Selene representatives have consistory delayed, denied and deflected by changing representative several time, not returning phone calls, repeatedly asking for the same documents and the file not being reassigned while the representative was on a prolonged absents or vacations.
Product: Credit reporting or other personal consumer reports

I refuse to accept your dismissal of my identity theft claim as an error or misrepresentation of material fact. Who granted you the authority to decide what qualifies as a material fact? You hold no position as a judge, jury, or any authority to make such determinations. Your actions are unwarranted and without merit. 

The Federal Trade Commission ( FTC ) clearly outlines that upon receiving an FTC identity theft report filed with a law enforcement agency, you are obligated to adhere to the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting

I have a Public Collection on my credit report that has been satisfied and closed years ago. I have disputed this several times, but the credit reporting agencies ( XXXX, Experian, and XXXX ) but the will not remove it stating it is accurate. 

The Lien is incorrect, I have searched the Georgia Department of Revenue delinquent taxes and I am not on this list. Please attached screenshots. 

Any assistance would be much appreciated. 

Thank you! XXXX XXXX
Product: Debt collection

After discovering several TILA ( Truth in Lending Act ) violations concerning the loan transaction, being unable to obtain a certified true and accurate original promissory note from the alleged owner of the loan, in addition to a fraudulent assignment filed with the county clerk : in XXXX XXXX, XXXX I exercised my right of rescission pursuant to TILA 15 USC 1635, Regulation Z 226.23. Under federal law the security deed has been extinguished and interested parties ' rights under the security deed have been terminated. Any security interest or other interest held by XXXX XXXX and/or XXXX, XXXX and/or XXXX XXXX XXXX, XXXX. and/or The BANK OF NEW YORK MELLON as Trustee For the Certificateholders XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates Series XXXX and/or other known and unknown entity is VOID upon my rescission. See 15 U.S.C. 1635 ; 15 U.S.C. 1611 ; Regulation Z 226.23. These parties mentioned have NO interest or successor-interest in my property as those claims were waived by non-response and failure to file a complaint within 20 days. The parties also failed to return the original note marked cancelled and cancel the security deed and recorded in XXXX County, GA and return all consideration paid by me within 20 days of receipt of my letter 15 U.S.C 1640 ( a ). 
As of XXXX XXXX, XXXX THE BANK OF NEW YORK MELLON retained XXXX XXXX, XXXX of GA to act as agent to foreclose on my property with the sale scheduled on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I sent a certified letter to the law firm and BoNY MELLON to cease and desist any collection attempt, including but not limited to any attempt to foreclose on my property. Any attempt to collect under the non-existent deed of trust and mortgage is a violation of federal law. All instruments with my name have been properly RESCINDED and are VOID. As of XXXX XXXX, XXXX, the foreclosure sale HAS NOT BEEN CANCELED. BoNY MELLON is acting as debt collector in violation of the FAIR DEBT COLLECTION PROCEDURE ACT 1692 ( g ) Section809. On XXXX XXXX, XXXX via email, BoNY MELLON stated that they have no right to make a claim or successor-interest in my property. Again cease and desist! 
A report was filed regarding this RESIDENTIAL MORTGAGE FRAUD pursuant to OCGA 16-8-102, 16-8-104 and 16-8-105 to local law enforcement and elected officials as well.
Product: Checking or savings account

After the account was closed, I provided images of all the mail I received, which indicates that my mailbox address is correct since I received all their correspondence. I find it strange that I didn't receive the previous check, but now I have filled out the form again requesting you to send a new one. I hope you will send me the new check as soon as possible instead of delaying it. I have my own living expenses to cover with this money, so please don't make it impossible for me to live. It's really upsetting. 
After my account was closed, I haven't been receiving the checks, and there have been continuous delays. When I requested a resend and inquired with customer service about the timeframe, they said it would be XXXX XXXX  later. I'm truly furious. I needed it urgently, and this delay is seriously affecting my life. Why do they keep lying to me, saying it would take just over XXXX business days, and then repeatedly giving me new problems to wait for?
Product: Checking or savings account

Capital One is withholding my direct deposit for the second day now due to technical issues. This is my pay day and I still have not received my money. I have bills to pay and am going to be charged insufficient fund fees as a result of automatic payments being rejected. Capital One is not being transparent with their customers, as they will give us little or no information about what has happened or when it will be resolved. This is our hard earned money, many are living paycheck to paycheck, and we need access to it NOW. Capital One should also be responsible for all fees related to this incident, as this is totally beyond our control.
Product: Credit reporting, credit repair services, or other personal consumer reports

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all ftc violatons enclosed
Product: Mortgage

I have a PMI on my Suntrust Coventional Mortgage. This PMI is due for removal and i have been trying to have Suntrust send me the necessary forms to begin the progress. My request for the forms have been pending with them since XXXX and I keep getting run arounds. I am not even been afforded the opportunity to complete the necessary forms to begin the process of removing the PMI from my mortgage. The effect is that I am forced to continue paying the PMI even though the LTV qualifies for the PMI removal. 

I am placed on more than 2 hours hold each time i call the Suntrust Mortgage. My request is to
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing XXXX XXXX to my name and good character as well as my overall credit capacity