23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This correspondence serves as a final attempt to address the unresolved matter concerning the {$2700.00} payment made on XX/XX/XXXX, to my Bank of America XXXX XXXX XXXX XXXX account ( ending in XXXX ). I am providing clear and irrefutable evidence that the payment was successfully posted and debited from my XXXX XXXX savings account, and no funds were returned due to insufficient balance. 

To summarize the movement of the funds in question : On XX/XX/XXXX, a payment of {$2700.00} was applied to my Bank of America account. 
On XX/XX/XXXX, Bank of America debited my credit account and erroneously returned these funds to my then closed XXXX XXXX savings account. On XX/XX/XXXX, XXXX XXXX attempted to return the erroneously rejected payment to Bank of America, as indicated by tracker number XXXX. The XX/XX/XXXX return is visible in the history on my Bank of America account and the back up for this is attached. Despite this and evidence of the funds ultimately being in final possession at Bank of America XXXX Bank of America has not credited the payment to my account, nor provided adequate documentation supporting their position. 

I am also including copies of my XXXX XXXX statements, which show that the XX/XX/XXXX payment cleared, my account did not have an insufficient balance, and the funds were not returned to me. Furthermore, it would not have been possible for me to close my XXXX XXXX savings account if the XX/XX/XXXX transaction were still pending. 

Additionally, XXXX Bank of America statement does not reflect the XX/XX/XXXX payment I made, only the initial attempt on XX/XX/XXXX. This discrepancy further complicates the matter and requires resolution. 

Your prior investigation into this matter, referenced under claim number XXXX, failed to acknowledge the evidence I provided, which also came from Bank of America XXXX and includes documentation of XXXX XXXX XXXX attempt to return the payment to Bank of America XXXX XX/XX/XXXX. 

Despite my repeated efforts and countless communications with both XXXX XXXX and Bank of America, this issue remains unresolved, despite being entirely outside my control as a consumer. 

I have gone above and beyond to provide clear and compelling evidence to support my claim, which would be fully admissible and conclusive in any legal forum. Your internal team, with greater authority and visibility into these transactions, is fully capable of resolving this discrepancy, yet the matter persists.
Product: Vehicle loan or lease

On XX/XX/year> I purchased a car from Honda of XXXX and signed a contract for XXXX XXXX financing. When I set up my account on their financing website it indicated XXXX XXXX financing so I reached out to the finance company who referred me to the dealer- they told me the dealer had to submit new paperwork to correct the error. I reached out to the dealer by telephone multiple time and was unsuccessful on getting a response so on XX/XX/XXXX I walked into the dealership and spoke to the General Manager XXXX XXXX. He told me we was aware of the situation and was working it out. He was going to have his new finance manage reach out to me with a solution. You see, the original finance manager XXXX XXXX did not get permission to give me a lower rate prior to doing so and after I left he changed the document and resubmitted it to the finance company ( finance company provided me with the second contract ). I was contacted by XXXX XXXX ( new finance manager ) as XXXX was fired, to come to an agreement on how to settle the matter. He provided me a copy of The Flat Cancel request Form that he signed on XX/XX/year> cancelling the agreement that XXXX filed. He indicated that because they couldn't submit the original contract at the XXXX XXXX as it wasn't approved they would refund me the difference in money that would be paid on the loan - taking it off the top of the note plus additional funds for the aggravation I was put through. I agreed with these terms and signed a new contract on XX/XX/year>. It is now XX/XX/XXXX, and while I have a new contract it is not reflected on the financial website. In fact it is showing a missed payment on the first loan as it has gone passed the due date. When I reached out on XX/XX/XXXX to the finance company to explain the issue she tried to reach the dealer but they did not answer, so she left them a message to return a call to me, they did not. I called again on the XXXX of XXXX and was promised a return call and did not receive one. I email the XXXX with no response. To say I am beyond frustrated can not express my feelings enough. I tried to do this the right way and now I don't know what to do next.
Product: Mortgage

In XX/XX/XXXX Shellpoint Mortgage Service asked for proof that I could bring the mortgage current. They insisted on seeing a bank statement. 

I had sold my XXXX property in XXXX XXXX, XXXX  in XX/XX/XXXX and had more than enough to bring the XXXX  mortgage current. 

Shellpoing refused to provide me the payoff to bring the mortgage current, instead after reviewing the bank statement, they wrongfully foreclosed. I have attached to this complaint the XX/XX/XXXX bank statement they reviewed and the XXXX they issued last year showing the total of principle and interest was $ XXXX ( at the I did not owe in arrrears $ XXXX ) I am reading this article @ https : XXXX # : XXXX : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, Sell % XXXX % XXXX % XXXX ... % 207 % XXXX % XXXX. from XX/XX/XXXX and see that the article mentioned that " XXXX state attorneys general are getting ready to launch major investigations into the already beleaguered mortgage industry, concerning foreclosure document improprieties. '' I would like to officially complain that they took the property without due process and while reviewing for modification and refusing to provide payoff until after they already foreclosed then I get the message from them of the payoff amount.
Product: Credit reporting or other personal consumer reports

The letter I've sent Experian stated in my dispute letter and quote " I am writing to formally dispute inaccurate information that appears on my credit report as maintained by Experian. This letter serves as my official notice of dispute under the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. So I received a letter from Experian stating that their investigation is Fraudulent reporting and yet they responded by as being XXXX an Verified WOW! so I pulled my XXXX and XXXX and account numbers are the same as it shows that no payments has ever been missed or late. But Experian is claiming that I have missed payments and been late. Experian did not disclose their investigation. These accounts need to updated or removed from my credit report Report Number XXXX Legal Basis for Dispute : 15 U.S. Code 1681 : The FCRA XXXX accurate and fair credit reporting.

15 U.S. Code 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 
15 U.S. Code 1681s-2 : Addresses the responsibilities of furnishers of information to consumer reporting agencies. 
15 U.S. Code 1681i ( a ) ( XXXX ) : XXXX the procedure for the deletion of inaccurate, incomplete, or unverifiable information. 
Specific Dispute Details : I am disputing the following inaccurate information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Specific Inaccuracies : 15 U.S. Code 1681i ( a ) ( XXXX ) This information is incorrect and must be investigated and removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Specific Inaccuracies : 15 U.S. Code 1681i ( a ) ( XXXX ) This information is incorrect and must be investigated and removed. 


Affidavit of Truth : This affidavit is made pursuant to the Fair Credit Reporting Act as codified at 15 U.S. Code 1681. I do not consent to any automated scan response or XXXX verification methods. 

Certification : I certify under penalty of perjury under the laws of the United States of America pursuant to XXXX XXXX. XXXX ( XXXX ) that the foregoing is true and correct. 

Supporting Documentation : I have enclosed the following documents to support my dispute : Copy of Credit Report with Disputed Items Highlighted Copies of Identification Documents Copies of Supporting Documents Please investigate this matter and correct the disputed information as soon as possible. I expect your investigation to comply fully with the requirements of the FCRA and all relevant statutes and regulations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to their inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my accountable vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) under Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax online over 1 month ago to dispute a duplicate account. All the information is the same except the name, one says XXXX and the other XXXX XXXX XXXXXXXX XXXX/XXXX..Equifax came back with results and verified as both correct. I called this past Monday XX/XX/XXXX and talked to XXXX for 45 minutes and submitted another dispute and it came back yesterday as both correct. I called last night XX/XX/XXXX and talked to XXXX and explained the same thing and he submitted another dispute. Equifax spends more time and money sending everything to the XXXX than protecting Americans. I'm the one that has to keep contacting them over and over again, than them just following the FCRA. Also, Evertime u call Equifax they say there system is down..Please help me
Product: Debt collection

I am writing to formally dispute the reporting of the following account on my credit report : Account Name : Cherry Tech Account Number : XXXX Balance : {$120.00} ( XXXX XXXX, {$100.00} ( XXXX XXXX, {$100.00} ( XXXX ) Credit Reporting Agencies Reporting the Issue : XXXX XXXX XXXX XXXX XXXX Account Status : Open, reported as derogatory. 
Discrepancies and Inaccuracies Identified Misclassification as Derogatory : The account is reported as derogatory despite payment history being consistently listed as " Current. '' No missed payments or delinquencies justify this classification, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ).

Inconsistent Balances Across Bureaus : XXXX reports a balance of {$120.00}, while XXXX and XXXX report {$100.00}. This discrepancy violates 15 U.S.C. 1681e ( b ), requiring furnishers to ensure accurate and consistent information. 
Failure to Validate Derogatory Status : No evidence or documentation has been provided to support the derogatory classification. 
Cease-and-Desist Communication Demand This letter also serves as a formal cease-and-desist notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Effective immediately : Prohibited Communication : Cease all communication with me through phone calls, emails, text messages, or any other medium.

Any further contact, except as permitted by law ( e.g., debt validation or termination notice ), will be considered harassment and a violation of federal law.

Violations of 15 U.S.C. 1692c ( a ) ( 1 ) : I have received communications at inconvenient times, including late-night calls and text messages, which disrupt my daily life. These actions are unlawful under 15 U.S.C. 1692c ( a ) ( 1 ).

Scope of Communication : Any future communication must only be in writing, and solely for legally permissible purposes, such as providing validation of the debt or notices of specific actions.

Demands Immediate Correction of Reporting Errors : Update the account status to remove the derogatory classification and ensure consistency across all credit bureaus.

Provide Validation of Debt : Send documentation of the original creditor, a detailed payment history, and evidence supporting the current classification.

Written Acknowledgment : Confirm in writing within 30 days that all communication has ceased and inaccuracies have been corrected. 
Consequences of Non-Compliance Failure to address these issues promptly will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory authorities. Legal action may also be pursued to protect my rights.
Product: Credit reporting or other personal consumer reports

Here 's a draft of your FCRA Section 609 dispute letter : -- - XXXX -- XXXX : XXXX ** [ Your Address ] ** ** [ City, State, ZIP Code ] ** ** [ Email Address ] ** ** [ Phone Number ] ** ** [ Date ] ** **XXXX XXXX XXXX** ** [ Address of XXXX XXXX XXXX XXXX ** ** [ City, State, ZIP Code ] ** **RE : Dispute of Late Payment Reporting on Closed Credit Card Account [ Account Number : XXXX ] ** Dear Sir/Madam, I am writing to formally dispute the reporting of late payments on my closed XXXX XXXX XXXX  credit card account for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( FCRA ) Section 609 and the Truth in Lending Act ( TILA ) 15 USC 1666B, I request that you provide proof and verification of the accuracy of these reported late payments. Specifically : 1. **Verification of Payment Timing** : According to 15 USC 1666B , creditors must send billing statements at least 21 days before the payment due date. I have not received these statements within the required timeframe, nor have they been sent via certified mail.

2. **Cease and Desist Violation** : I have previously served XXXX XXXX XXXX with a cease and desist letter, yet my requests to have the late payments removed have been unjustly verified without proper evidence. 

3. **Request for Evidence** : Please provide : - Copies of all billing statements for the months in question, showing the date they were mailed. 
- Proof that these statements were sent at least 21 days before the due dates. 
- Documentation of how the verification of the late payments was conducted. 

Failure to provide this evidence within 30 days will confirm that the reported information is inaccurate, and I expect these late payments to be removed from my credit report immediately. 

Furthermore, I want to remind you that continued reporting of these payments as late, especially after the account has been closed, is a violation of federal law. The lack of a 1099 form after the account was charged off is another violation, as is the unauthorized use of my credit card and personal information. This situation has escalated to the point where I am prepared to pursue legal action for adverse action, extortion, racketeering, identity theft, fraud, and unauthorized use of my credit card.This is my final request for the removal of these inaccurate late payment entries. If this matter is not resolved promptly, I will have no choice but to seek legal remedies.Please provide a written response confirming the removal of these entries or supplying the requested verification and evidence.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

You need to re-open complaint ID XXXX. As soon as Capital One provided info to CFPB that my account had been credited for this dispute and provided you confirmation, you closed this case. The NEXT day Capital One reversed my credit and sent a letter saying it had been reversed and now charged back to my account. This is unacceptable. 

I have attached the copy of the complaint mentioned above.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice that the credit bureau has failed to resolve my dispute or make contact with me within the stipulated 30-day period following the receipt of my initial letter.

One of the fundamental rights outlined in the Fair Credit Reporting Act mandates that a credit reporting agency MUST update or delete inaccurate information. The Credit Reporting agency has been granted thirty days to investigate this claim. Under the FCRA, it is obligatory that my dispute be resolved within this timeframe. 

I am hereby requesting that my dispute be addressed immediately and that the following inaccurate items from my original request be updated : INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth dispute with Experian requesting removal of a credit inquiry made by XXXX XXXX XXXXXXXX on my credit report that was not authorized. I have reached out to Experian multiple times via certified mail, phone, and CFPB requesting removal and Experian has refused to remove the unauthorized credit inquiry. By law, they are required to verify that it was an authorized inquiry and they reply to my dispute that it was authorized when I know that its not true. I demand Experian to remove this credit inquiry immediately or I will file a law suit and will request monetary relief.
Product: Mortgage

I was denied the chance to continue an application with the XXXX program, by Doral Bank XXXX XXXX XXXX, which has dissapeared and was bought by XXXX other XXXX banks, because I have a HOME OFFICE in the lower floor of my house. I do not know it a XXXX lender can really deny me this service. I really would like to refinance my mortage, so I can lower my mortage payments, just as XXXX other XXXX citizens have done. Please respond to my question, as I am very unknowledgeable of these complicated finantial issues and no one else has bothered to answer my question, here in XXXX XXXX. 
Thank you very much. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every week my credit score has been dropping in free fall XXXX or XXXX points since my federal student loan account changed from Great Lakes to Nelnet. Ive tried contacting Nelnet with no success. Im very upset. We are in the process of trying to get preapproved for a house and I have no stability as Im being penalized for this loan account being transferred and even worse its not everyone with accounts that transferred. Besides the gross negligence of this on someones perfect credit history, with knowing that its not being handled the same for everyone the obvious questions are why me and when is this going to stop? Forget getting rectified I have XXXX faith in that but my credit score has already dropped XXXX points in a little over a month and with no end in sight I just want to know what I can do during this extremely frustrating time. Thanks
Product: Vehicle loan or lease

The car was repossed. They say the balance is {$6600.00}. When I talked to the agent back in XXXX XXXX of 2016 they told me the balance was half of that.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter requesting my name on my report should reflect my Birth name as stated on my drivers license and social security card including my suffix because I have problems with my profile getting mixed up with others who share a name similar to mine. They updated to only reflect also known as.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. Capital One responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. Capital One never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : XXXX, XXXX and XXXX. The results of my disputes were that Capital One RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while Capital One defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with Capital Ones written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.