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

Sure! A dispute letter for negligence ( likely referring to a legal or insurance matter ) should be clear, polite, and to the point. Below is a sample letter you can use, which you may adjust based on your specific situation : [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ct XXXX XXXX Subject : Dispute Regarding Negligence Reference, LVNV FUNDING LLC Dear [ XXXX XXXX ], I am writing to formally dispute the findings related to the incident referenced in the claim/file number [ insert number ] concerning the negligence matter dated ]. After reviewing the details of the case and the conclusion drawn, I believe that the decision was incorrect and that the negligence allegations against me are unfounded. 

[ Provide a brief description of the incident in question and how you believe negligence was not involved. You might include things like what steps you took to avoid the issue, any lack of evidence against you, or any mitigating circumstances. ] I request a full review of the facts and reconsideration of the determination. Attached are relevant documents that support my position, including [ list any documents such as photographs, reports, testimonies, etc. ]. I believe this evidence will demonstrate that the incident occurred due to [ explain reason or counter-claim, if applicable ]. 

If further information or clarification is needed to assist with the review, I am happy to provide it promptly. 

I respectfully ask that you reconsider the findings and amend any related claims. Please confirm receipt of this letter and inform me of any steps moving forward. 

Thank you for your attention to this matter. I look forward to resolving this dispute promptly and fairly. 

Sincerely, [ XXXX XXXX Enclosures : LVNV FUNDING LLC Ensure to include any supporting documents that might help strengthen your case. Adjust the tone or detail based on the recipient and the situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX Late Dates XXXX
Product: Vehicle loan or lease

About a year into the loan I went on the company 's web site and made a {$5000.00} payment ... mostly principle ... the web site showed in red letters that the payment did not go thru, try again, so I did ... ..my checking account was charged for {$10000.00} and was overdrawn ... .the web site states specifically that one can not make two principle payments on the same day which is what they tried to do ... the printout of my account with them shows exactly that ... .they have refused to pay the overdraft charge from my bank ... .it has been a year and I have stopped paying them except for sending them {$1.00} at payment time last month and will continue to do so until they make good on this problem.
Product: Credit card or prepaid card

SYNCHRONY Bank, credit card stopped sending statements, changed minimum payment, added late fees/penalties : all without notification. No US mail nor email notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a written request asking for copy of credit report as I have ITIN number. As I did not received anything I ended up calling XX/XX/2022 requesting copy of credit report. representative had stated that I would be getting a copy of credit report within the next 6 to 7 business days. Representative with experian stated that the reason to why I have not received a copy of credit report is because they have a second last name which is XXXX but on my document with my ITIN number given to me by the IRS it does not have my second last name not sure how they got my second last name but I have attached copy of documents to verify identity. Bureau have my name as XXXX XXXX XXXX XXXX I never use my second last name! I have only received copy of credit report with XXXX XXXX still missing Experian and XXXX. XX/XX/2022 I called Experian and XXXX a second time requesting credit report as I have not received anything up to this date. XX/XX/2022 I contacted Experian but I was unable to get a hold of a rep. I have the right to a free credit report and I have submitted copy of documentation stating verification that identity is mine. Yet nothing has came in the mail.
Product: Mortgage

My loan was sold to another company. Purchasing company didnt submit my insurance coverage and my insurance was cancelled. My rights were violated because they placed the burden of re-establishing insurance on me. I had insurance before this transaction and was paying the premiums. I feel targeted because I am 100 percent XXXX senior veteran. My financial responsibilities were intact before this interruption.
Product: Debt collection

Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX Southwest Credit Systems ( SCS ) of XXXX, Texas sent a letter to Mr. XXXX XXXX alleging a debt owed from XXXX XXXX. Mr. XXXX has communicated with XXXX regarding this debt and demanded proof of the debt including a an agreement with Mr. XXXX 's signature. XXXX has failed to provide such document because they do not exist. SCS, acting on behalf of XXXX or as a purchaser of the debt or has sent notice to Mr. XXXX regarding the debt. Mr. XXXX has always has and continues to deny the validity of the debt. Upon communication with SCS, SCS representatives have advised Mr. XXXX to either file suit in U.S. District Court for the XXXX District of Tennessee, file complaint with the Consumer Financial Protection Bureau, and the U.S. Department of Justice. Prior to taking further action, Mr. XXXX demands that SCS cease and desist from any collection, credit reporting, or other practices that involve Mr. XXXX. Mr. XXXX also demands that SCS produce the following : Validation that SCS is the furnisher of the debt. 
Signed documents with Mr. XXXX 's signature exhibiting any agreement with SCS.

Any legal agreement allowing SCS to collect a debt from Mr. XXXX Should SCS fail to provide such requested documents, Mr. XXXX demands that XXXX remove his information from their systems immediately. Furthermore, Mr. XXXX demands that SCS cease and desist from such practices that violate the Fair Debt Collection Practices Act ( FDCPA ) as SCS has perpetuated the collection of an unfair and illegal debt and attempted to collect monetary amounts that are not contractually legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report and notice there were some accounts that are not mines, inaccurate and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : Capital One # XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete incorrect names : XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ohio XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX Please Delete Telephone numbers that does not belong to me : ( 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 This is my number ( XXXX ) XXXX Please Delete Employment Data that does not belong to me : XXXX  on XXXX, University of XXXX
Product: Credit card or prepaid card

Dar Sirs, I actually do have two problems with US-Bank : I am not a member of XXXX XXXX membership, I closed all my accounts at US-Bank, as well the CreditCard.

US-Bank is still showing the CC.

Even after many calls, US-Bank is not closing the CC.

I is waisted time to send emails to US-Bank as well to call, nobody cares.

Beside this, I get every week a message from US-Bank : As a benefit of your XXXX XXXX membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. 

I am not able to stop those unwanted emails. I am not!!!!!!!!!! a member of XXXX XXXX, I never signed in for that!!!!!!!!! 

Today I called XXXX  again and here is what the person - a man - recommended : go to cfpb!!!!!! 

In my mind, this is the peak of impertinence.
Product: Debt collection

I have called Transworld systems several Times... to get absolutely no results. I can not even leave a message because there is no room on the answering device. yet they have reported a collection on my credit report. This isn't a debt that I wasn't paying on. I owed around {$1500.00} as of XX/XX/2022. I have paid it down to what they are saying is now $ XXXX have received no notice that this was going to collection or that it would be sold to this company!! I have never missed a payment to any creditor in my entire credit history!
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the XXXX XXXX, with all my payments set up on Autopay. This reported late payment fee is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be repaired ASAP. Thank you. 
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
Product: Mortgage

On XX/XX/XXXX I received a denial letter from Chase saying that the investment property in which I initial ask for a modification on was denied. There was only XXXX program that fit the scope of modifying my investment property which was a Home Affordable Modification XXXX Tier XXXX XXXX. The other programs listed several reasons why I could n't qualify for the other programs but the Home Affordable Modification XXXX Tier XXXX ) simply said the debt to income ratio could n't be calculated within the acceptable range of 25 % to 42 %. Based off the underwriter using a gross rental income of {$910.00} XXXX based off XXXX lease and not XXXX leases for this XXXX building XXXX it was easy to sumise that they needed all of the leases. I submitted all the perpective information by the end of XXXX with updated information and all of the leases. On XX/XX/XXXX I received another letter saying the modification was denied. After reading again through all of much the same information I came upon the reason it was denied in coralation with the Home Affordable Modification XXXX Tier XXXX XXXX. It now stated that Chase services the mortgage on behalf of the insurer and can only approve certain programs. Not only was this statement not on the first denial ( hence I would have never reapplied ) but it gives the impression that Chase strung me alone putting me in a deeper financial bind when they never was able to offer me a modification on an investment property. The entire process started XX/XX/XXXX and I received my first letter of decision on XX/XX/XXXX. I was informed by Chase that in accordance with my loan I could receive a modification on my investment property. Years later I find that they never intended on helping me but instead gives me misleading information, lies, ambiguious language, contradictory approvals and eventually sends me more in to a deeper financial whole. What Chase has done is not only morally wrong, but legally wrong to a homeowner. It goes against the principalities of what banking and Finance, consumer protection Federal bureau, and any other entity that oversees money and finance when it come to the public interest. Due to the uncertainties of the denial and the truthfulness of them Im still not sure if Chase offers a modification program for investment property. If Im to go buy the first denial letter I would say yes given the denial reason but if I was to go by the second denial it would be no which means this whole process has been not only a scam to further place a homeowner is a detrimental financial state but a waste of tremendous time. I also noticed that the eligibility data was not included in the new decline letter ( hmm I wonder why ).
Product: Credit reporting

Hello, Equifax had put myself and my wife threw XXXX, first off we had a paid subscription on their site as a family plan, for days I was n't able to see my credit report or score, First they tell me I needed to validate myself, then they said there was a problem like i had XXXX credit reports, then im told experian placed a fraud alert well over a month ago, I have been told so many different reason as to why my bank account was charged funds for the reports, scores i was personally treated like garbage due to the fact I had past charge-offs as the XXXX said and that i should be ashamed of my charge offs how dare he he does n't know what happened in my life to have this on me, as i work hard to establish my credit, then he declined me my right of having my score when you dispute something they come back with results within a hour declining the dispute due to my mortgage lender not be able to get a score on me yesterday Equifax charged my score points twice for this inquiry. Hard inquiries are on my report because my son and i have the same name and they want me to get a police report for a simple name error. these people need new training, we as consumers do n't deserve the disrespectfulness we got, its our credit that gives them jobs, I am so angry, and upset over this. they do n't even understand what your explaining to them, and when you write them in the mail and you have confirmation they received it they denied it something needs to be done with EQ. took me over 7 months to have Hard Inquires removed for them to place them all back on when they finally got my credit report up and running yesterday and they will not remove them and told me i have to contact each person again i have done this sent it to them over the 7-12 months proved they were n't mind and now back to square one this is n't right!. i lost an entire days work yesterday due to their inconsiderations I have a -lot more documents if needed I want these inquires off this is n't right. Also they are allowing a paid debt still remain a charge off when i proved it was paid for XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> None of the addresses I have never lived at nor is reported on my credit report. This illegal information needs to be removed! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid the full balance on my secured XXXX card. It 's an account that is secured by my equivalent available credit. The account was in good standing and there was no late payment. After I paid it off, XXXX quickly closed the account on me without any notice by email or letter. I called to inquire and was informed it was closed. I was not given a reason. I was given a number I could call to ask why. I was told that my money would be returned to me in XXXX to XXXX weeks. This is an unfair practice. If the account is secured, I should be repaid immediately. After all, it is my money and not theirs. In addition, why do n't they provide advance notice of their plans to close? I understand they reserve the right to close accounts, but for secured accounts they need to adjust their practices since it is the consumers ' money and not theirs.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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. 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: Debt collection

There is a collections account that originated from XXXX XXXX XXXX  The account was closed and sent for collections at the end of XXXX. The debt has been sold to a different debt collection agency by the name of I C System XXXX. XXXX XXXX XXXX XXXX, MN XXXX. They have started the collections date over as of XX/XX/XXXX for the amount of {$300.00}. I am under the impression that debt collectors can not restart the time clock on debts in collection and I would like this illegal action to be reviewed and taken care of.
Product: Credit card or prepaid card

Citi Bank admitted in their XX/XX/XXXX letter that they did not receive Documentation from the Merchant during the Dispute Resolution Timeframe stated in my Home Depo Credit Card Agreement of two billing cycles. They billed me after the 2 Billing cycles for the same Purchase of {$2900.00}. 
They also did not apply the advertised 24 Month Promotional on the original purchase date of XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX misused my personal information. They opened accounts without my consent which are showing on my credit report. This is a breach of my right to privacy and I will hold them accountable for this.