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

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely researched. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on as quickly as time permits. I sympathetically demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXXXXXX XXXX  10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX MANAGEMENT COMPANY Subject : Formal Complaint and Demand for Immediate Removal of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the negative item that your company, XXXX  MANAGEMENT COMPANY, has reported on my credit file. This inaccurate and unjustified reporting is significantly impacting my ability to obtain credit and secure housing for my family, which constitutes material harm. 

Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide written notice of the debt within five days of initial communication. I have never received any notification regarding this alleged debt, nor have you provided validation that I owe this debt. Your failure to comply with these requirements invalidates your ability to continue reporting this debt under 15 U.S.C. 1692e ( 8 ), which prohibits the reporting of inaccurate or disputed debts.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), you are obligated to investigate and correct inaccurate information upon dispute. Given that you have not fulfilled your legal duty to notify me or obtain my consent, this negative item must be removed immediately. Additionally, FTC v. XXXX XXXX XXXX XXXX XXXX  ) and other relevant case law confirm that failure to comply with federal statutes regarding debt validation and notice renders your reporting unlawful. 

DEMAND FOR ACTION : 1. Cease and desist all reporting of this debt to credit bureaus ( XXXX, XXXX, and XXXX ) immediately. 
2. Provide written confirmation that the negative item has been removed from my credit report.

3. Cease any further attempts to collect on this debt without proper validation.

Failure to comply will result in my formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office, as well as potential legal action for violations of the FDCPA and FCRA. 

I expect your prompt attention to this matter and a written response within 15 days confirming the removal of this item from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Requested the company to provide 1099-C charge off ; debt forgiven. Company did not provide.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments by XXXX XXXX on my credit report for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. I believe the reporting of these late payments violates federal laws, including provisions under 15 U.S.C. 1666b and the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of these entries for the following reasons : 1. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, creditors are required to apply payments in a timely manner as long as they are received by the due date and meet the creditors reasonable payment requirements. Any deviation from this standard constitutes a violation of the law. I believe these reported late payments were either inaccurately recorded or improperly processed, as no evidence has been provided that justifies this reporting. 

2. No Requirement to Report Transactions There is no federal law mandating that creditors report transactions, including late payments, to credit reporting agencies. XXXX XXXX decision to report these late payments is discretionary, and I have not provided consent for my payment history to be shared with third parties. By reporting this information, XXXX XXXX has violated my privacy rights. 

XXXX. Violation of Privacy and Lack of Consent Under the FCRA, reporting of personal financial information must be accurate, fair, and transparent. In this case, XXXX XXXX has reported my payment history without obtaining explicit consent to share this data with credit bureaus. This constitutes a violation of my privacy rights. I did not authorize XXXX XXXX to share this information, and I demand that it be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This serves as written notice that I have rights under 15 USC 1681.

15 USC 1681 section 604A section 2 states A consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

My consumer rights have been violated Numerous times and dismissed despite prior written request to update records. 

On XX/XX/2022 certified letters were sent to Equifax, XXXX and XXXX to update my personal information which was not done. Also on the same date I requested the following accounts be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at XXXX. She declines to return my phone calls and will not respond to my letters. 

XXXX is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. XXXX card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in 2013, they were reporting that I owed a balance of {$360000.00}. 

I have contacted XXXX and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.
Product: Money transfer, virtual currency, or money service

L I am filing a complaint against cash App ( Block , Inc. ) due to an adequate customer services and unfair practices, which violate the consumer financial protection act specifically Cashapp failed to take a timely and effective measures to prevent an address fraud on the on their platform, leaving my account, vulnerable and unprotected furthermore, their dispute resolution process. was unfair and deceptive as they do not comply with air resolution requirements under the Electronic Funds Transfer act and regulation E these actions have cause significant inconvenience in financial loss and I seek appropriate redress For these violations.
Product: Other financial service

I purchased a WU Money Order for {$75.00} to make a payment to my at a XXXX gas station ) located on XXXX XXXX XXXX XXXX XXXX, XXXX GA ) to make a payment to XXXX Apartments in GA. The money order was returned by their banking institution and a return fee of {$75.00}. Now I am out {$150.00} as I had to pay this to XXXX Apartments ( GA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This has already been removed from my credit report and the company resubmitted it.
Product: Debt collection

Westlake FIN is a charge off account for the amount of XXXX which stills shows up on my credit report. a 1099C was requsted but wasn't recived. The balance was last updated XXXX XXXX. Date opened was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance is paid in full. I need it corrected. This is causing me not to be able to get a auto loan at a acceptable rate. I have to be in Florida soon to start work, and this is causing me not to be able to go with the high rate this card is causing me to have. I need it fixed immediately.
Product: Credit card or prepaid card

I had a Wells Fargo Secure Card account open up in XXXX I went through a Financial Hardship loss my job and miss two payments in XX/XX/XXXX and XX/XX/XXXX. It would help me immensely if I could have the two late payments removed thats affecting my credit report.
Product: Credit card

I acquired {$4300.00} worth of furniture from Value City back on XXXX XXXX. I did not pay cash because I was offered a no interest promotion for the next 24 months until I pay all the balance off. Contrary to my understanding the promotion was with a third party and with a credit card with a 29 % interest from Synchrony Bank, which I got to know just when I received my first bill on XXXX XXXX. 

Anticipating all the hassle that a furniture return was going to cause, and because I liked what I got, I kept it, and started making my payments with the intention of paying the balance off during the next 24 months. 
Not too long after that, I agreed to set an automatic monthly payment from my bank to Synchrony bank and to receive paperless bills, so the payments were taken from my bank account every month. Everything seem to work well until a week ago, on XXXX when I noticed that my debt was still close to the amount where I started a year before. I called the bank and a representative informed me that I was supposed to pay the balance off on XXXX/XXXX/XXXX and because I did not, the interest was calculated since XXXX at 29 % and it is now : {$4100.00} I was surprised and I explained what the agreement was for 24 months but she denied it. I asked to be transferred with her supervisor and she transferred me with XXXX with ID. XXXX who told me that " she gets multiple calls like mine and she can not change anything '' she added " I can not help if you were not proactive with your account '' As my last resource I offered to pay, at that moment, all the remaining balance until XXXX/XXXX/XXXX, which based in my calculations was : {$2400.00} but she did not want to accept it. I asked her what else I could do to avoid paying almost {$2000.00} in interest, which I consider is not an honest transaction, and she did not offer any other option but to pay all what they are pretending. 
I was left hopeless and afraid of the consequences, since I have an excellent credit and I do not want to put my finances in jeopardy for something I consider a dishonest practice. I could even have agreed to pay the interest that had been charge for XXXX, XXXX and XXXX XXXXplus my balance until XXXX/XXXX/XXXX but no more than that. 
I found your web page and what you do, over the internet, and I regained some confidence. I hope you can help me to arrive to an honest agreement with Synchrony Bank. 
Sincerely ; XXXX XXXX.
Product: Debt collection

I disputed inaccurate and unverifiable derogatory information on my credit report with [ XXXX XXXX XXXX following my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The credit bureau has failed to provide verification of the accounts, including a bona fide contract with my signature, proving my legal obligation to these debts.

Under FCRA 15 U.S.C. 1681i, if an item can not be verified within 30 days, it must be deleted immediately. I requested this verification on [ Date ], and [ Credit Bureau ] has failed to comply.

Additionally, under Uniform Commercial Code ( UCC ) 3-603, if a debt has been transferred, sold, or charged off, it has been satisfied, and continued reporting is unlawful and misleading. 
I am requesting the CFPB to take action and ensure [ Experian/Equifax/TransUnion ] removes the inaccurate, unverifiable, or obsolete negative items from my credit report immediately.
Product: Mortgage

For over one year now, my attorney and I have been trying to resolve a dispute with Wells Fargo regarding the correct monthly mortgage payment amount due on my home mortgage ( reported to CFPB via case # XXXX ). I did not see an option to update that case, so I created a new XXXX. I 've spent most of the year reading letters of delay from Wells Fargo. Each month I 've paid my mortgage ( see attached document " XXXX Mortgage Payments XXXX XXXX Thru Current '' ) per the payment amount due stated on the Initial Interest Note ( {$1100.00} ) plus an additional {$110.00} for escrow ( see attached document " Initial Interest Note Original '' ). The payment on this mortgage was interest only for the first ten years, then modified to a new payment amount effective XXXX XXXX. My XXXX XXXX payment was sent via a letter from my attorney ( see attached document " XXXX XXXX to XXXX XXXX ). This letter contained XXXX checks from me : XXXX for the principle + interest amount ( {$1100.00} ) and XXXX for escrow ( {$110.00} ) plus a late fee of {$10.00}. This was explained to Wells Fargo clearly in the letter. On a monthly basis from this point forward, I have paid {$1100.00} + {$110.00} ( {$1200.00} total ). 

I recently learned that although I 've been paying escrow each month, Wells Fargo has not been paying my property taxes ( see attached document " XXXX XXXX XXXX XXXX '' ). This is unacceptable, as they have been accepting my payments each month for over one year, which have included escrow money for property taxes. 

We are finally negotiating and seemingly close to an agreement, however until quite recently I was unaware that Wells Fargo was not paying my property taxes. The property tax bill says it is due no later than XXXX XXXX. They need to make this right asap.
Product: Payday loan, title loan, personal loan, or advance loan

I payed back a advance of XXXX that was dented from my account. I tried to get another cash advance but it stated that I did not pay back the previous advance. I contact Empower through email but they said that it was a glitch in the system and that I still owe them XXXX dollars. I screen shoot my account showing them that the money was drafted from my account. But they keep emailing me back that I missed my pay back and that I still owe them XXXX dollars.
Product: Vehicle loan or lease

Purchased vehicle XXXX a XXXX XXXX XXXX at XXXX have paid on time ever missed a payment and still owe XXXX to this date. Called for payoff told it has all bee. Going to interest and not one cent to principle. I was told this was a 5 year loan and now have been told it will be extended to XXXX. After so many principle payments. Vehicle is upside down XXXX only worth XXXX can not trade with out XXXX and no bank will refinance. Please help me. I am a single mother.
Product: Credit card

I have proof that a payment was made in XXXX XXXX XXXX I do not know what else to do to get this situation resolved. The account has now been moved to another collection agency.
Product: Credit reporting or other personal consumer reports

From XX/XX/2021 until the present XXXX XXXX has incorrectly calculated my mortgage payments and reported my account to the credit bureau as delinquent.

In addition to the many unethical practices of charging me several late fees although I didn't owe any.

This company has several pay web sites that don't allow you to pay anything other than what they have your payment listed as, they have had three different web payment websites since 2021. The most current website won't allow you to pay your mortgage until you read and acknowledge some agreement they have attached I'm sure to cover themselves against consumers.
Product: Credit reporting or other personal consumer reports

I am writing once again to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the necessary FTC report to the Federal Trade Commission regarding these fraudulent accounts, and subsequent to this submission, XXXX and XXXX have removed these accounts from their records. 
Additionally, I have directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I find it perplexing that these accounts are still being reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this obligation but also exposes me to further harm. 

I request that you promptly eliminate these accounts from my credit report, consistent with the actions taken by other credit bureaus. Failure to do so will leave me with no alternative but to pursue legal action. 
The following accounts are of concern : XXXX XXXX XXXX and XXXX XXXX  XXXX.
Product: Mortgage

Our HELOC loan was transferred from the current lender to another lender. The new lender is using Specialized Loan Servicing to collect payments and service the loan. The statement we received for XXXX showed a payment due amount of XXXX, We were currently trying to refinance our first mortgage. We have waited on Specialized Loan Servicing for 3 months to register the deed with our county. They still have not. We were finally told their lender would not subordinate the loan and remain in second place on the deed. We made the decision to payoff this HELOC and refinance the first mortgage. The statement we received for XXXX showed a XXXX payment due. Since the decision had been made to payoff this loan and we had the payoff amount from Specialized Loan Servicing, we did not make any payment for XXXX. Keep in mind the payment amount due was XXXX! They contacted us on XX/XX/XXXX and wanted to know when we were going to make our payment of {$64.00} due on XX/XX/XXXX!!! The caller stated there was a past due amount and a {$25.00} late fee had been accessed. 
How can a late fee be accessed and a past due amount on a negative {$4.00} balance? Im confused!! Again today, XX/XX/XXXX, we received a phone call from SLS about the past due amount of as the caller stated {$4.00}. She failed to mention or notice it was negative {$4.00}!!! We were going to pay the penalty of {$500.00} to close this early due to the way SLS has handled the entire transfer over the last 3 months. Now, we should not have to pay the penalty, due to the repeated phone calls about a NEGATIVE payment due of {$4.00}!! The account is being closed and paid off because of the failure of SLS to conduct business with integrity.
Product: Debt collection

I have an account on my credit from Enhanced recovery XXXX XXXXXXXX in the amount of {$920.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.