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

by the day XXXX XX/XX/2024 I send some dispute letters to transunion, regardingsome account in my report with wrong and inaccurate information. after almost XXXX the agency don't respond to me or do any update in my credit report.. I demand to remove by the law all the inaccuraciesin my credit report asap because that affecting me I my financial aspect.. 

here some documents and the letters for support my complaint.. 

I am writing to express my deep concern regarding your company 's failure to conduct a proper investigation into inaccurate collection items on my credit report. 
Creditor : XXXX XXXX Account : XXXX Creditor : XXXXXXXX XXXX  Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX It has come to my attention that despite repeated attempts to resolve this matter, your company has neglected to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are required to conduct a reasonable investigation into collection items brought to their attention by consumers. However, your company has failed to do, thereby violating the law. 
I wish to inform you that I will be consulting with a Fair Credit Reporting Act ( FCRA ) attorney to explore further legal action regarding this matter. It is clear that your company 's actions, or lack thereof, are unacceptable and warrant escalation. 
This letter serves as my final request for your company to comply with the law and conduct a thorough investigation into the collection account referenced above. Failure to do so will result in me instructing my FCRA attorney to proceed with legal action, including the filing of complaints against your company. 
Please be advised that this will be the last correspondence from me on this matter. I expect prompt action and resolution from your end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX  Date of inquiry : XX/XX/ XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/ XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/ XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/ XXXX Date of inquiry : XX/XX/ XXXX Date of inquiry : XX/XX/ XXXX  Date of inquiry : XX/XX/XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/ 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 or other personal consumer reports

I am writing to formally request the removal of outdated and inaccurate student loan information from my credit report. Upon review of my credit report, I noticed that some of the accounts related to my student loans, which were forgiven in XX/XX/scrub> 2024, remain listed. Additionally, there are student loan accounts that were closed over seven years ago and should no longer appear on my report as per the Fair Credit Reporting Act ( FCRA ). 

The details of my request are as follows : Forgiven Student Loans : My student loans were officially forgiven in XX/XX/scrub> 2024 under [ specific program or initiative ]. Since these accounts are no longer active and have been deemed forgiven, I kindly request their removal from my credit report to ensure accuracy and compliance. 

In addition to Closed Student Loan Accounts, I'd like to also request any bank loan accounts Over Seven Years Old in collections to be removed : There are accounts listed on my credit report that should be closed as they were opened over seven years ago. Per FCRA regulations, such accounts should be removed as they are beyond the statutory reporting time frame. 

Please consider this letter as my official dispute regarding these accounts. To assist in your review.
Product: Debt collection

On XX/XX/XXXX GC Services, a collection Agent for XXXX, misrepresented themselves by identifying themselves as US Department of Education and offset by tax of {$3300.00} without Court Order. This alleged debt was a Federal Student Loan that was paid off but had been manipulated to create the current debt and was assigned to GC Services for collection.

Seeing the suspicious manipulation on the letter from the US Dept. of Treasury, I decided to dispute the Offset with the US Dept. of Education Ombudsman Group. The US Dept. of Education Ombudsman group showed that they did not offset my tax but said that XXXX has the ability to garnished and certified my tax for Treasury Offset ( TOP ).

But the Law requires XXXX to offset my tax only with a court order and XXXX does not have the court order. GC Services, XXXX 's Collection Agent, does not have court order required to offset my tax either, buit decided to misrepresent themselves as US Dept. of Education to offset and take my money in Bad Faith.

I also found out that the US Dept. of Education also need court order to Offset this alleged debt because it was and is still disputed. According to the law US DOE can only Offset on undisputed debt without court order. 

This alleged debt had been disputed many times from XX/XX/XXXX but was never verified and never validated on collection accounts. 

I also disputed this alleged debt with GC Services when I received their collection letter, dated XX/XX/XXXX, in the mail. I asked for the validation of the debt as required by Texas Debt Validation process on XX/XX/XXXX but GC Services never validated the debt but continued to pursued collection action and still reporting the debt on my credit record in violation of the FDCPA. 

Returned certified mail confirmation showed GC Services received my dispute letter but never responded and never validated the alleged debt but decided to misrepresent themselves to offset my {$3300.00} and take my money in Bad Faith. 

The US Dept. of Treasury had said that only the person named in 'who do I owe ' can be able to remove, change and refund the money collected through this falsified Treasury Offset process. But the US Dept of Treasury had failed to identify the real certifying agent of this Offset.

Therefore TOP Trace # : XXXX was certified in violation of the Federal Debt collection Act and has to be nullified and my money return to me.

I am also requesting that my information be removed from TOP data base in accordance with the Federal Debt Collection Act due to misrepresentation by GC Services, the certified agent.
Product: Credit reporting

I checked my credit report and discovered a collection account on my Experian report for {$480.00} from the company XXXX XXXX and on my XXXX report for the same dollar amount from the company XXXX XXXX and XXXX. Both of these companies listed the same address. I knew nothing about this collection so I requested validation of the debt via certified mail to XXXX on XXXX/XXXX/15 and XXXX XXXX XXXX XXXX on XXXX/XXXX/15. I have yet to hear a response although the collections are still showing up on my credit reports. I have disputed the information twice with Experian with results stating that the collection remains. I have also disputed the information with XXXX but have not gotten a final response. Even though Experian 's final response is that the collection remains, I still have no idea what this is for or when it occured. The account on my credit report shows this was opened on XXXX and that it 's a medical debt, but I, nor did any member of my family, have any medical appointments or otherwise in XXXX 2015. At the very least, this information is incorrect. I would like to have this information validated and for the information removed from my credit reports until it can be as I have no idea that this is even my debt to pay.
Product: Mortgage

I received a call from a Wells Fargo representative indicating that the company, as part of a federal (? ) ( or legal ) mandate was offering customers who held a mortgage with Wells Fargo a chance to lower their interest rates on their current mortgages, with Wells Fargo covering the closing costs. The representative indicated that the offer was what was owed to the customer and this was the company 's way of making reparation. He also stated that customers had the right to refuse, in which case Wells Fargo would document the offer and the customer 's refusal.

I was one of the customers identified as qualifying for this offer, and was therefore offered the opportunity to refinance at the lower rate ( with an option to shorten the remaining time left on the mortgage ). The process was tedious as a lot of documentation was requested from me, some of which caused me to incur fees to obtain. 
I spent a lot of time and energy gathering the documentation requested in order to meet every deadline that was set forth since the estimated closing was XX/XX/2023. As we continued the process I noticed that the closing costs were built into the loan amount and queried this with both of the representatives that were assigned to work with me. They both assured me that it would be removed before the closing. 
Approximately 2 weeks before the closing I received a letter from Wells Fargo denying the request for the refinance.The reason for the denial was due to a foreclosure on an investment property that occurred over seven years ago. The letter from Wells Fargo was worded as though I initiated the request for the refinance, but in actuality I was solicited by the company with the aforementioned information. 
This solicitation caused me to incur monetary fees which I am out as a result. Had they not approached me, I would not have incurred fees, thus they should be liable for the fees. Moreover, I have been a long term customer/mortgage holder with Wells Fargo and have consistently paid my mortgage on time. If the underwriters want to look for payment trends, they could start with my payment history with them and also take into account that this is my primary residence. 
Another consideration would be the amount of the mortgage refinance, which was approximately {$210000.00}. The house appraised for {$850000.00}, thus it is unlikely that I would default on a mortgage of {$210000.00}, with the amount of equity it holds. My lowest credit score of all the reporting agencies is XXXX thus I am puzzled by the decision that they made and believe it is unfair. I would like to be compensated/reimbursed for the monies I expended during this process. 
On another note, during the pandemic my mortgage payment was 1 day late and Wells Fargo charged a late fee as a result. This fee was never refunded to me even though it should not have occurred. I would also like this late fee to be refunded. This company is disgusting.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Product: Debt collection

I have an amount owed with XXXX XXXX and tried closing the account several times before it became {$710.00}. I was told that I can not close the account until it was paid in current standing so I then proceeded to ask if I could remove services which was then told the account was not allowed to have changes until it was current. Then when the account was closed it was still being charged for pay per view movies but I don't understand how the account could even purchase movies when it's closed. I'm not going to be responsible for more than a couple hundred and I also returned the equipment.
Product: Mortgage

XXXX incorrectly denied me a HAMP Tier XXXX loan modification stating that I did not meet the post-modification DTI requirements. XXXX misinterpreted the XXXX XXXX guidelines. Upon dispute of the erroneous income & debt input figures used in XXXX 's calculation, XXXX did not correct their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

All loans have been on hold because of income driven repayment. Due to COVID, 0 % on interest. Had my credit checked ( XXXX ) and my report stated that I was delinquent because of student loans. I already talked to Fed Loan ( XXXX ) and I'm not delinquent.
Product: Mortgage

I am currently in process of a mortgage with Navy Federal Credit Union. I have several concerns including misinformation and dishonesty within the process. Currently, although I am told it was complete, they are refusing to provide me a copy of my appraisal, an appraisal that I paid for over XXXX  days ago and am told was completed on Originally our closing was set for XXXX, I had to call and email 3 times on XXXX to advise them that I had not received my CD and that I have enough knowledge to know that we could not close on time had I not received it that day. I was then told that my loan XXXX was out and had been for 4 days, and, oh yeah we'll just move that back. I've asked to speak with a supervisor several time. I have also emailed her directly. She has never returned my calls-she did reach out to my co-applicant, but did not answer my questions. I again reached out to her and she has yet to respond to me in anyway. I formally requested a copy of the appraisal again today. I emailed my request to the mortgage officer, her partner or back-up, and the supervisor only to receive an email from the agent telling me that we could not access the document. I'm told that the appraisal is what is holding my mortgage, but that it is complete, so clearly either someone is intentionally misleading me or there is a serious breakdown in communication and processing of mortgages within this organization. Furthermore, I am being told by the listing agent that no one ever contacted her to walk through the property and it is my belief that the appraisal has not been done and that I am being lied to. Either way, if they do not have this rectified by XX/XX/14 in time for the CD I will lose the house as seller advised he will not extend again. I shared this information with Navy Federal and were basically told that is unfortunate, but not their problem. I have paid a non-refundable {$500.00} option fund, a {$670.00} inspection fee, and {$550.00} for the appraisal. What recourse do I have if I am out those funds due to their inept servicing of my file? 
I would be happy to provide XXXX numbers as well as copies of emails if needed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My car was stolen and progressive total my car out. They paid XXXX market value for my vehicle. I had gap insurance with the original lender XXXX XXXX. The company was acquired by XXXX XXXX. There was an issue obtaining the original gap coverage insurance and the terms of their agreement through XXXX XXXX. This has been an ongoing issue and Ive been disputing this with a credit bureau for the last two years. This information is incorrect and under the section 605B of the fair credit reporting act FCRA, I wish to dispute this and have this removed from my credit report.
Product: Credit card or prepaid card

In XX/XX/XXXX Capital One sued me and took me to state court. I fought the alleged debt because i was not sure what it was or why they were suing me. I went to court and the lawyers for Capital One were not able to provide proof of a contract or account statements showing what was purchased. I won the court case and i have a judgment in my favor against Capital One. Now this year in XX/XX/XXXX Capital One sent me a XXXX  IRS form claiming that i owe taxes of {$25000.00}. This is an outrageous claim i already won this case in court. Now they are stressing me out even more after i have had to fight this frivolous claim and was stressed out and it took a huge emotional toll on me for over a year. This is not acceptable and i already sent a certified letter to the CEO of Capital One. They responded that they will not alert the irs of the fraudulent information they have supplied to them. This is their last chance to fix this issues before i turn this over to the United State Attorney General and file a lawsuit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with transunion on XX/XX/XXXX and XX/XX/XXXX with transunion According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, I never receive correspondence from transunion
Product: Mortgage

Hi, the reason I am messaging is because I Purchased a Home in a Co-ownership, in XX/XX/XXXX, we split the payments until XX/XX/XXXX. That month that person moved out of the house, and abandoned all responsiblities, payments regarding XXXX XXXXXXXX, and anything related with the house. In XX/XX/XXXX I lost my job and I decided to take the Forbearance plan from my Mortgage company to avoid late payments. In XX/XX/XXXX I found a new job and I decided to get out of the Forbearance plan and start making regular monthly payments. In order to start making payments Pennymac sent me some documents that I will attach below that must be sign by both owners in order to restart payments, I advised the co-owner about that document and this person refused to sign it, and rather the house to be foreclosure. I communicated with the Mortgage company, advised them about the co-owner not wanting to cooperate and they said it must be sign by both parties. I have been responsible with my Home payments since day XXXX, and I think its not fair I have to be afraid to be in foreclosure just because the co-owner does not want to sign or care about the house. I need help from PennyMac to allow me to continue making payments toward my XXXX.
Product: Debt collection

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

Please remove the following accounts : 1. The following account is not mine DISCOVER BANK Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX  and do not have a way around the Heat XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Prime business LLC located in XXXX ca, ( XXXX ) XXXXcollected a debt from a bank account that I had. I sold a car to a couple and they paid me with a bad check come to find out 6 months later as the check was returned. My account was then closed and forwarded over to a debt collecting agency. The woman at the agency did not agree to payment arrangements after I explained that I was in the process of buying a home and could not afford for anything negative on my credit file. She told me that she could not do payment arrangements and that she was going to report the balance to the credit bureaus to hurt my credit and that she did. Since she has reported to the credit bureaus she also has been adding interest fees. I do not feel I am responsible to any interest fees because I did not sign or agree to any fees nor was it told to me that interest would occur. I asked them to send me an email stating the balance and it was never sent to me. I called her to get to the bottom of this matter and see what options I had to take the negative reporting balance off of my credit and all she did was threaten me that they will do whatever it takes to get the money from me and hung up the phone. Since then she is deliberately trying to damage my credit.
Product: Prepaid card

I deposited money in Rush card. Made one purchase and then my account went to zero and I ca n't get ahold of anyone at customer service that can do anything about it. They continue to say they will be correcting the problem but it 's been 11days and my money and access to it are still denied.
Product: Debt collection

I received a letter from Medical Revenue Services in XXXX regarding an alleged medical debt. I wrote to them at the address on the letter on XX/XX/XXXX to dispute the debt and requesting verification ( their letter stated a deadline of XX/XX/XXXX to do so ). They returned my letter unopened on XX/XX/XXXX, stamped " not at this address. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX  numerous times and submitted proper documents showing my name. My credit report is still showing me as someone else after a representative said the documents are in the profile and he doesn't understand why it was changed and changed back to the wrong name. I also disputed XXXX XXXX, the account was closed on XX/XX/19 after filing a complaint. XXXX, XXXX   and Experian still report the accounts. Also XXXX XXXX closed the account on behalf of speedy cause because I sent the proper documents to prove it was an fraudulent account, XXXX  still list this debt as well.
Product: Debt collection

ARS  Date Opened : XX/XX/2019 Creditor : INPHYNET XXXX XXXX  Balance Due : {$1000.00} I don't know this collection account.