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

Demand for Exclusion of Transactions from Consumer Report Pursuant to FCRA, 15 U.S.C. 1666b To Whom It May Concern, I am writing to formally dispute the exclusion of specific transaction on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b, I demand the exclusion of the following transactions : XXXX - XXXX Under 15 U.S.C. 1666b, which establishes consumer rights concerning the reporting of disputed billing errors, it is explicitly required that consumers must be provided with all necessary disclosures as outlined in 15 U.S.C. 1637b. These disclosures are essential to ensure a consumer 's understanding of the terms and the extent of their obligations. Failure to provide these disclosures constitutes a clear violation of the FCRA and places an obligation on XXXX to exclude these disputed transactions from my report immediately.

It is well-established that the FCRA imposes a duty on consumer reporting agencies to maintain accurate and complete information. The failure to provide required disclosures directly violates my rights under the law and has been addressed in relevant court cases, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), which affirmed that credit reporting agencies must take reasonable steps to ensure the accuracy of reported information, especially when consumer rights are at stake. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX ), the court reiterated the consumer 's right to dispute and seek removal of incorrect or incomplete information in the absence of the required disclosures.

In light of these facts and the legal precedents set forth, I hereby demand the immediate exclusion of the aforementioned transactions from my consumer report. Failure to address this matter appropriately will leave me with no choice but to escalate this dispute, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action to protect my rights.

I expect a response within 30 days of receipt of this letter, as mandated by federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Wed XX/XX/XXXX - I called and emailed Fair Collections & Outsourcing , Inc. ( FCO ) requesting debt validation and breakdown of all charges for account XXXX. 
Thu XX/XX/XXXX - I received my request, and replied in an email that the information was incorrect because I moved off of the property on XXXX XX/XX/XXXX, and any charges after that date need to be corrected. FCO responded that they would speak to me over the phone. I replied that I would like to continue the conversation via email, keeping a written account of everything. They again responded that they would only speak to me over the phone, and refused to answer my questions in via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a second dispute with Experian XX/XX/2019, after first being told my intitial dispute was not submitted correctly and without the supporting documentation that the then MANAGER told me had just been " floating in limbo '' or something to that affect, therefore not resulting in the deletion of a specific account that has been removed off the other 2 adjacent credit reporting bureaus along with the same evidence and direct request from the original creditor, which the manager admitted to himself was clear as day on the document. On today, XX/XX/2019, I received notice that not only was the dispute STILL NOT resolved, but with absolutely no reasoning WHY, when I have contacted the original creditor yet AGAIN, as they say they sent the same documentation requesting it be removed as I have sent them myself. I am unsure of why Experian is giving me this extraordinary POOR customer service on numerous occasions but I deserve not only an answer but my report to be reflected ACCURATELY amongst the disputes I am trying to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( Experian, XXXX & XXXX ). 
I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.
Product: Checking or savings account

On Friday, XX/XX/2022 I agreed to have XXXX XXXX XXXX XXXX fix a dent in my truck. He flagged me down in the parking lot and we exchanged numbers. After text messages back and forth, I agreed to allow him to fix my dent for {$140.00}. Please see attached for the correspondence back and forth over text. 

He came to the house and made the repairs. When I handed him my card, he quickly entered {$1400.00} into the XXXX reader and pressed submit. I asked him to reverse the charge, and he did, refunding me the difference between {$1400.00} and the {$140.00} I owed him - {$1200.00}. Please see attached for a copy of the XXXX refund XXXX XXXX that he then sent me a copy. 

The refund never came, so I called my bank, USAA, to dispute the charge. They launched an investigation, and ruled against me, stating that the merchant provided documentation to show that no error had occurred. I submitted the text conversation and the copy of the refund receipt. 

I have not seen this documentation and it is fradulent if it is for any amount other than {$140.00}. 

There is evidence that we agreed to {$140.00}, and a copy of the {$1200.00} refund that I expect to be processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont understand how these people are getting ahold of my credit information. I NEVER had a XXXX account a day in my life so i Don't know what this Collection is about. The other XXXX accounts XXXX and XXXX XXXX XXXX are linked to addresses that I've never heard of nor lived at in my life. I have lived at my current address since 2016 and i am still a current residence. Also Inquiries from : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. Seems like someone is trying to use my credit to shop for a car. I am not looking for a car at the moment. Please delete these inquires as I did not apply for ANY of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting rid of the item stated below to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance {$800.00}
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. 
The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX XXXX  XXXX XXXX, XXXX, OR, XXXX
Product: Mortgage

The reason I am submitting a complaint is due to the fact that I have requested my servicer Wells Fargo to review my docuements for a loan modification. I could not get underwriting @ Wells to review my case due to the process that Wells has which is unethical and goes agains CFPB guidlines. Well has whats called reentry team and they dictate which files go to a underwriter and which files dont. After doing my research Well is the only servicer that does that not giving me a opportunity to revie my casse with a underwriter. I asked to speak to Wells Reentry team manger and he goes by the name of XXXX XXXX stating he is a manager and he can not help me out due to the fact that Wells has a new guidline that states if I am 36 or more months behind I will not qualify for loan modification even if they are Hamp elgible or FHA loans Wells will not review any case. I have searched around I have found out that that policy is Wells and not FHA or hamp guilines. Wells Fargo is not obiding by CFPB guidlines or hamp. Please look into this matter. The Consumer Finance Protection Bureau ( CFPB ), under the Real Estate Settlement Procedures Act ( Regulation X ) at 12 CFR 1024.41, requires an appeals process for loan modification denials when a complete loss mitigation application has been received under the requirements of the regulation. 
Accordingly, HUD now provides an automatic 90-day extension to the initiation of foreclosure timeline for those cases in which the mortgagee needs additional time to comply with the appeals process required by the CFPB. 
The 90-day extension begins on the date the mortgagee denies loss mitigation and sends the borrower the notice required under CFPB regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony called me at XXXX XXXX this morning. Theyve been advised not to contact my phone numbers at all if Im a day late two days late or weekly. Theyve been advised not to contact me by this phone number and they continue to break the law against my rights of telling them not to contact me by phone. This company needs to be held accountable for their actions against the federal government. I have rights as a consumer and they are violating my rights
Product: Mortgage

I 've submitted multiple times proof of my condo insurance, even send it through "  XXXX  '' per the servicer 's instructions ; howe ver AmeriHome keeps saying they do n't have it. I attempted to upload the insurance coverage again, and it tells me the document is already " in process '' and would not allow me to submit again. I do not want or need force placed insurance, as this insurance is paid through my HOA. I attempted to get information of to send my proof of insurance to the insurance department ; however I only end up with the phone agent 's own fax number, and the document is lost. I received a new letter stating my insurance coverage  is needed. Please help!
Product: Debt collection

I received notice of a lawsuit by Mulloonly, Jeffrey, Rooney & Flynn LLP representing XXXX  XXXX XXXX. I filed an answer and met with XXXX XXXX XXXX ( partner in the law firm ) and explained that due to my medical conditions I had to take early Social Security and am receiving XXXX XXXX monthly and barely making enough to survive. I explained that my income prior to me taking social security was over {$80000.00}. I offered to settle for {$2000.00} @ XXXX XXXX monthly, XXXX XXXX denied the request stating XXXX  XXXX XXXX wants payment in full which he could break into 4 payments. I explained that my only income is Social Security and gave him a copy of my statement. I also explained that these are exempt funds and cant be attached. His reponse was my client wants a judgment. He said he would present a hardship to his client and the court gave us a return date of XX/XX/2024. The law firm file Motion for Summary Judgment and didnt respond back about the hardship presented to their client XXXX  XXXX XXXX XXXX 
I feel that this was deceptive and that both the law firm and XXXX  XXXX XXXX should be sanctioned by the CFPB. 
Thank you for your time and consideration
Product: Checking or savings account

I am extremely dissatisfied with the way Citibank has treated me as a customer. Recently, they have closed my checking account on XX/XX/2022 and two of my credit card accounts without any notice or explanation. Not only that, but they also refused to give me access to the funds in my checking account, which has caused me significant financial stress and inconvenience. 

To add insult to injury, Citibank has also prevented me from paying my credit cards and has not allowed me to access the reward points I have accumulated over time. This is unacceptable and completely unprofessional. 

I have tried to reach out to Citibank both in person at a bank branch and through phone calls, but I have not received any helpful information or answers. I am extremely frustrated with the lack of communication and transparency from this bank. 

As a customer, I expect to be treated with respect and transparency. Citibank 's actions have left me feeling disrespected and helpless, and I urge them to rectify this situation immediately by providing me with access to my funds and reward points, as well as a clear explanation for the closure of my accounts.
Product: Debt collection

REPLY TO COMPANY RESPONSE TO COMPLAINT NUMBER XXXX. CFPB NEED TO TAKE NOTE, THAT THE CEASE N DESIST VIOLATION WAS NOT ADDRESS AND RESURGENT VIOLATIONS STILL CONTINUES. 15 USC 1692c ( c ). OF THE FDCPA STATUTE IS CLEAR. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ), the XXXX XXXX XXXX XXXX XXXX addressed the scope of a consumer 's cease and desist request under Section 1692c of the Fair Debt Collection Practices Act ( FDCPA ). The court clarified that such a request obligates the debt collector to cease all forms of communication with the consumer regarding the debt, including communications with third parties like credit reporting agencies. 
This interpretation underscores that a consumer 's cease and desist request under Section 1692c requires the debt collector to halt all communications related to the debt, including those with third parties such as credit reporting agency THE FDCPA DEFINES COMMUNICATIONS AS TO INCLUDE ANY AND ALL FORMS, IN ANY MEDIUM OR FORMAT TO ANYONE INCLUDING MYSELF OR ANY THIRD PARTY. IT STATES ALL COMMUNICATIONS AND COLLECTIONS ATTEMPTS MUST CEASE. IT ALSO STATES THAT A CONSUMER HAS A RIGHT TO REFUSE TO PAY A DEBT WHICH I CLEARLY WROTE IN MY CEASE AND DESIST LETTER THAT'S BEING VIOLATED. RESURGENT CAPITAL SERVICES IS STILL VIOLATING A CEASE AND DESIST RECEIVED ON XXXX XXXX XXXX VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX. RESURGENT IN STILL COMMUNICATING INFORMATION TO THIRD PARTIES, AND STILL ATTEMPTING TO COLLECT A DEBT AFTER RECEIVING MY CEASE AND DESIST LETTER ALONG WITH A REFUSAL TO PAY.COMMUNICATIONS AND COLLECTION ATTEMPTS AND ALSO A REFUSAL TO PAY AS OUTLINE IN 15 USC 1692c ( c ). COURTS HAVE RULED REPORTING TO CONSUMER REPORTING AGENCIES AMOUNTS TO COLLECTION ATTEMPTS. SO AS DEBT COLLECTION COMPANY ARE GOVERNED BY THE FDCPA NOTHING IN THE FCRA REGULATES DEBT COLLECTORS. THE REPORTING ELIGIBILITY CEASES UNDER THE FDCPA WHEN A CONSUMER INVOKES 15 USC 1692c ( c )
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

In XX/XX/XXXX, I sent certified letters ( that were signed for ) to all three credit reporting companies stating that information on my reports was incorrect. I didn't hear back at all from two of the agencies, and Experian only seemed to update some inconsequential/irrelevant information on my report that I had not requested to be revised. My complaint to the companies was based upon a student loan for {$1400.00} that I received from XXXX XXXX XXXX in XX/XX/XXXX. The account first went delinquent in XX/XX/XXXX and was then sold to XXXX/XXXX XXXX  on XX/XX/XXXX. This collection agency informed me that I absolutely had to sign up for its rehabilitation program, which required a down-payment of approximately {$150.00}, plus monthly payments of {$50.00} ; I was repeatedly told that paying the account in full would substantially hurt my credit, but that signing up for the rehabilitation program would actually earn me good credit. I paid this agency through the program for approximately one year before the account went delinquent in XX/XX/XXXX ( see attachments ). The loan was then sold multiple times over the next few years, with substantial ( considering the amount of the original loan ) fees tacked on. Throughout that time period, I made inconsistently made numerous payments, but I struggled due to the fact that my loan had been sold so many times, and because I had to have new credit cards issued on three occasions due to fraud or lost cards ( because these " rehabilitation programs '' required that I sign up for an auto-pay with a credit card number, yet that number changed repeatedly, payments were declined on multiple occasions. The loan finally ended up with the US Department of Education in XX/XX/XXXX, in the amount of {$2800.00}. 

This shows up as an adverse account on my credit report because the loan was sold multiple times. Per 605 - 15 U.S.C. 1681c ( a ), no consumer reporting agency may make any consumer report containing accounts placed for collection which antedate the report by more than seven years. I have only ever received the single student loan in my life. Because all of the student loan accounts on my current and former credit reports originate from the same XX/XX/XXXXstudent loan account through XXXX XXXX XXXX, and because that loan first went delinquent ( and was originally reported negatively in XX/XX/XXXX, which is obviously outside of XXXX years from today 's date ), these adverse accounts listed on my credit reports should, in my opinion, be removed.
Product: Debt collection

An acct was opened in my name with XXXX XXXX. Once I discovered this, I informed XXXX XXXX that it was not my debt. The account was charged off at some point and removed from my credit file XX/XX/XXXX. I received a notice from Portfolio Recovery Services on XX/XX/XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. Portfolio Recovery Associates only sent me a collection letter and a XXXX XXXX statement from XX/XX/XXXX as verification on XX/XX/XXXX. Which is not validation of this debt. I responded to their letter on XX/XX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that your company supplied to [ XXXX, TRANSUNION, XXXX. I have listed the items I dispute on the This item hard inquires from CONSUMER PORTFOLIO SVC, DT CREDIT is inaccurate because MY NAME IS INACCURATE AND HARD INQUIRES WHERE UNAUTHORIZED. I am requesting that CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have the item removed and accounts removed from my credit profile immediately Delete hard inquiries - CONSUMER XXXX XXXX XXXX XXXXXXXX  Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Troy Capital LLC has placed a non validated or verified account on my Credit Report. This account XXXX Pursuant to the FDCP XXXX XXXX, I tired to get a response and I was no response back for over 30 days.
Product: Credit card or prepaid card

Called today at XXXX XXXX to find out the status of my dispute concerning XXXX. I spoke to XXXX in the XXXX XXXX Credit Card Dispute department. I asked her why I wasn't given full credit when I initially made my claim ( on XX/XX/2023 ). Her answer was nonsensical. 

I asked to speak to a manager. She said she had XXXX on the line. Then I did not hear anything and repeatedly said " XXXX? '' and " XXXX? '' Then I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I travelled overseas ( outside of the United States ) and as soon as I return I was advised that my credit was in a bad condition. I contacted the Bureau to find out why and notice that there were a bunch of illegal activities on my account placing me into debt collection agencies without my knowledge. Please assist me with fixing this situation as quick as possible as I have urgent matters that needs to be taken care of. 

Best Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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

XXXX XXXX is reporting on a debt I do not owe. This debt is from Capital One and I had previously paid this debt with another creditor a very long time ago. This debt is not owed and needs to be removed off of my credit file.