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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SBNASELFLNDR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : SBNASELFLNDR - XXXX : {$0.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : *The amount you claim the respondent owes you *An explanation showing me how you have computed the amount. 
*Copies of any documents that prove I agreed to pay the alleged amount *The identity of the original creditor *Confirmation that the account has not crossed the statute of limitation ( XXXX ) period *Evidence that you are a licensed debt collector *Evidence of your license numbers and your registered agent. 
*Chain of Title of ownership of the debt *Error & Omissions Insurance I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any or my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : Violation of the Fair Credit Reporting Act/ F.C.R.A Violation of the F.D.C.P.A. 
Defamation of character 1 of 4 18 USC 894 31 USC 3729-3733 18 USC 1028A I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek litigation. 

This includes listing and information on a credit report that could be incorrect or invalidated or confirming the amount as correct when intact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of XXXX ( XXXX ) days to audit it and request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate remedy for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) XXXX of XX/XX/year> under the United States. XXXX XXXX XXXX. And XXXX XXXX XXXX stat. XXXX ( among others if your agency/ company fails to respond to this debt validation request within a period of 10 days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted and updated in your records ). 

BY : XXXX XXXX Mail
Product: Mortgage

I applied for a mortgage at Wells Fargo, was assured I would get it. Had an appraisal in hand from my recent divorce. The bank took my money, gave a ridiculously low appraisal and declined ( {$450000.00} ) me. The appraiser used INCORRECT square footage, which he refused to correct ( or even measure ). The bank also refused to use correct square footage ( I hired an architect to measure ).

Less than 30 days later, XXXX XXXX   appraised THE SAME HOUSE for approximately {$600000.00} and the loan easily passed through. The XXXX appraisal was in line with past appraisals and opinions of local Realtors.

I do not believe that my house 's value changed 33 % in 30 days, nor do I believe that such a deviation in value is merely chance or error. I believe that Wells Fargo was disingenuous about its interest in lending. They were either unwilling or unable and encouraged me to proceed DISPITE these facts.
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Last 4 Digits SSN # : XXXX / DOB : XXXX Reason : Request to Describe Method of Verification To Whom It May Concern : XXXX XXXX XXXX - XXXX` I Have Not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. '' I am writing to request the Method of Verification for the dispute account above in which you " Verified ''. I previously disputed this account. I don't agree with the results of your investigation. Please mail in proof of your investigation by sending the following information used to verify the validity of the account listed above or delete this account immediately. 

The name of the original creditor The creditors address and telephone number The person 's name they verified the dispute with The documentation used to verify the dispute If I don't get proper documentation I will be filing my complaint at : www.consumerfinance.govXXXXComplaint/ and www.ftccomplaintassistant.gov/ and XXXX. Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Sincerely, XXXX XXXX XXXX
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. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Product: Credit card or prepaid card

I signed up for Paypal credit years ago and never had a problem adding a debit card or bank account to my paypal account so I could pay my bills but 2 months ago I attempted to add a debit card/bank account to my paypal account and it wouldn't let me I do not have phone service so I contacted support via their secure message center [ which they told me isn't secure despite it saying it is ] that kept giving me a never ending response that I have to call them despite no phone service. I would have been happy enough just to get an address to send a check too but they purposefully have been dragging this out to get more money from me as of right now they have charged me : XX/XX/XXXX {$2.00} Interest charge XX/XX/XXXX {$2.00} Interest Charge XX/XX/XXXX {$27.00} Late Fee Despite me contacting them directly telling them I just want to pay my bill and their making it impossible I don't understand why else a company would deny their customer the ability to pay their bill unless they were doing it on purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus about false information being reported, They refuse to remove the accounts that don't belong
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts should not contain any late payments whatsoever : 1. XXXX XXXXXXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX Each of these accounts were open under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts contained a finance charge, which is the sum of ALL charges. The finance charged was paid when the company required my credit card ( social security number ) to open the account to begin with. Thus, the account was paid in full and shall not contain any late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a validation request for validation that all required notices under XXXX Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case. 

I have made several attempts to correct this account with the credit bureaus. I sent a dispute letter to all 3 credit bureaus, Transunion, XXXX  and XXXX  asking for the method of verification and the procedures used to verify that account # XXXX was truly accurate. XXXX  deleted this inaccurate account, due to NOT being able to verify its accuracy. However, Transunion and XXXX  have verified this account as accurate without sending procedures used to verify accuracy. Credit bureaus are REQUIRED to do a proper investigation and not just certify that creditors have given accurate information. Anyone can say an account is verified but that does not mean the account is truly accurate. I have not been able to obtain proof of validation from the creditor so it seems pretty suspicious that Transunion and XXXX would render the result of " VERIFIED AS ACCURATE ''. Furthermore, I sent a CFPB complaint on XX/XX/XXXX for the reinvestigation of this account and my complaint was closed prior to the credit bureaus completing their reinvestigation and still did not correct the issues. I also advised to all credit bureaus that the balance is inaccurate, along with many other metro 2 reporting violations.
Product: Debt collection

RECEIVED NO NOTICE OF PAST DUE AMOUNT ON ANY ACCOUNT, CAN'T VERIFY OWNERSHIP, AND ONLY NOTICE WAS FROM IRS FOR 1099 THAT WAS NEVER SENT TO ME FOR FORGIVEN DEBT RESULTING IN INCOME TAX LIABILITY
Product: Mortgage

My husband XXXX XXXX and my self XXXX XXXX were contacted by our mortgage company Freedom Mortgage XXXX XXXX XXXX NMLS ID XXXX about refinancing our current loan at a new lower interest rate at NO COST TO US.  We talked with her several times and reiterated that this would be at no cost to us. We ok for the process to go forth and on Friday XXXX XXXX we were in the midst of signing papers and I said the figures do not look correct. Our closing agent tried to call Freedom Mortgage and could not get ahold of anyone. We were told there was a window of time we could stop all proceedings so we completed the signing. On Monday my husband XXXX got ahold of XXXX and she forwarded the closing statement saying all was in order, although I was not at home that week to try and discuss with her. The statement of our Balance of old loan paid in full on XX/XX/XXXX was {$350000.00} loan # ... XXXX, and new loan amount was {$360000.00} an increase of {$3800.00}. We also have an auto payment in the amount of {$1200.00} withdrawn on XX/XX/XXXX after loan docs were prepared on XX/XX/XXXX and were told this payment would be coming back to us which it never has been. When I just checked my principle balance today XX/XX/XXXX they have adjusted our principle balance on new loan to {$360000.00}!!!! They know what they are doing is wrong and now trying to cover this up!!! We have tried for weeks to contact someone at the bank with no avail and I have records of my emails sent to them through their Message Center on the website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XXXX and have received no contact at all from them. I and labeled my emails THIS IS FRAUD to try and get them to contact us but nothing. We have also tried numerous times to contact them by phone and left messages but no return contact. Please help us get this corrected with them as need help. 
Thank you very much, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a XXXX  XXXX XXXX credit card since XX/XX/XXXX with a credit limit of {$20000.00}. I have never had a late payment. I had stopped using this card several years before XXXX. So, I did not expect any charges or statements. 

Somehow XXXX XXXX was able to charge my card without the correct expiration date or security code. XXXX  XXXX XXXX sent the statement to my old work address, and it was not forwarded to my new work address. So I never was aware of the charge. All of my accounts, savings and checking, were with XXXX  XXXX XXXX. They were well aware of my home address and email address and could have tried to reach me before trashing my credit score. 

I was unaware of the charge until this spring. I was trying to get insurance for my new home and was denied because of my credit score went from the XXXX 's to XXXX 's. In addition, my insurance increased by {$3000.00} annually because of this. As soon as I discovered the charge, I paid it. I asked for proof to be sent to my home address which I never received. Ironically, the XXXX employee who took the payment stated that they had my home address on file. 

Attached is a copy of my credit report before the charge-off was paid. The only other derogatory item is a student loan that I co-signed for my niece. She had a few late payments. That loan is now paid off also.
Product: Credit card

I have a SEARS credit card account with just the SEARS credit card. I keep receiving letters forcing me to call and state i do not want my sears cards automatically updated to a XXXX. 
Twice now I have made this contact and still are receiving the letters. I just received the XXXX XXXX and called again. 
This letter starts out with ( We will be sending you ) there is n't any choice if I do n't call them and they are going to change my credit card because if I do not call that is a confirmation that I want it?????? This is a breach on contract because they are trying to change the terms of my account without approval almost to the point of extortion, because if I do n't react they are forcefully change my card to a XXXX resulting in financial gains to their corporation.
Product: Checking or savings account

XXXX XXXX failed to get me the pair of shoes I purchased. I took this up with my Chase, after XXXX said they can not do anything for me.

At first Chase credited my account, however they just took that away.

This is a fraudulent charge, as I never received and took possession of those goods.

I would like Chase to make this right.
Product: Credit reporting or other personal consumer reports

Certainly! Heres a template for a dispute letter regarding inquiries on your profile. Feel free to customize it to fit your specific situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/year> XXXX, Equifax, XXXX Subject : Dispute Regarding Inquiries on My Profile Dear Consumer Finance, I hope this message finds you well. I am writing to formally dispute the inquiries associated with my profile, which I believe to be inaccurate or unauthorized. My profile details are as follows : Name : XXXX XXXX XXXX XXXX : XXXX Upon reviewing my profile, I noticed multiple auto loan inquiries such as 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 Also personal information is accurate as well. Addresses, phone numbers, as well as Names are incorrect and need to be corrected and removed as well as the hard inquiries. These discrepancies have raised concerns for me, and I would like to address them promptly. 

Section 609 ( a ) of the FCRA generally requires consumer reporting agencies to, upon request, disclose all information in the consumer 's file at the time of the request and the sources of the information.

I kindly request that you investigate these inquiries and provide clarification regarding their legitimacy. Additionally, if any inaccuracies are found, I ask that you take the necessary steps to rectify my profile accordingly. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me at XXXX or XXXX should you need any further information. 

Thank you for your assistance. 

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

I was working with this company and the account was closed in XXXX. They are still reporting late payments on my credit report while the account is closed. They report late payments on 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, the account has been closed since XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$62.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00}
Product: Credit reporting or other personal consumer reports

TRANSWORLD SYSTEMS INC for a listed debit of {$320.00} for XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX This is the XXXX time this collection account has wrongfully been added to my credit report, I have even spoken with Transworld, and expressed this is my account, for the 2nd time in 3 years. In 2019 I had this already removed as I proved that I never lived at an an address listed in XXXX XXXX, I have never lived at before. At the time the account was opened fraudulently in my name with SSN, I was living in Florida. I had this removed from my report 3 years ago, and I proved it was not account, however they have attached it to my credit again, and refuse to accept is not my account and is fraud. The address listed in XXXX XXXX does not match any address I have lived at on my XXXX report, so how they can get away putting back on my credit is illegal. Please help and have them remove and taken off their creditors list as this is not my account and I did not owe them {$320.00} for XXXX XXXX. I have attached proof I was living in XXXX from XX/XX/2019.
Product: Checking or savings account

Chase Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  he has been stalking me ever since I soon found out that this person knows my life story he knew my account numbers passwords pins all because hes a cyber criminal he has done everything to destroy me he wired money through my accounts dates theres so many I notified the bank as soon as I knew he had enough to get it to my account I was assured Id be ok next thing I know Im missing XXXX through transactions with XXXX  I lost all 3 credit cards with them and Im on the hook for all the cards written above because he made sure if he didnt max them out Id have no money to pay my bill before he did all this but because chase only gave me out of XXXX in dispute money XXXX then said the rest theyd have to investigate came back told me the XXXX I was right they agreed with me but the rest I had to cover which I couldnt cover because all my money was gone soon after I lost about 8 credit cards failed payments he did around the same time but chases policy is to give you temporary credit while they investigate why out of XXXX I only got XXXX and two diffident conclusions
Product: Checking or savings account

On XX/XX/2023, an account was attempted or was opened in my name at Bank of America. On XX/XX/2023, I received an XXXX alert stating an account was opened in my name. I did not attempt to open an account at Bank of America. I spoke to someone at Bank of America on XX/XX/XXXX and they stated the account application was declined. I am still worried about fraud so I have frozen all 3 credit bureaus and XXXX profile. The only thing I can connect to BOA, is that I applied for a credit card on XX/XX/2023, which was declined. So, they would potentially still have my information on file.
Product: Debt collection

I received notification through a credit monitoring service that I had a past due balance of {$70.00} for a medical appointment several months prior. At no point in time did I receive notification ( written or verbal ) from either the medical office involved or the collections agency. The debt collector fraudulently reported the total amount owed as 4 separate past due balances totaling {$70.00} to the credit bureau, seriously affecting my creditmoreso than one derogatory mark. Since I first discovered the debt through my credit monitoring service, I should not be expected to have paid earlier, nor penalized with derogatory marks. Upon discovering it, I did verify it, and paid it as soon as possible. The CFPB needs to step in here to prevent this company from fraudulently and viciously trashing my credit, and reach out to XXXX to remove these marks ASAP.
Product: Mortgage

We have a 3rd party making our mortgage payments XXXX /Haf they have been paying since last XXXX of XXXX and will continue until XXXX of XXXX. They pay {$720.00}. I pay the difference of {$100.00} amonth. XXXX sent the XXXX payment over on the XXXX of XXXX reference # XXXX and XXXX XXXX on XX/XX/XXXX reference # XXXX. They are sent Electronically. Discover keeps saying they have not received the payments XXXX keeps saying they have accepted the money just have not applied to our account. Our case number with XXXX is # XXXX. Their phone number is XXXX. Discover Home loan account number is XXXX. Their number is XXXX. I have called Discover over 5x in the last few weeks and XXXX has called me 3 x about this. I have tried to do a 3 way call and Discover always hangs up. I dont know what else to do. Now my XXXX payment is late and I will have to pay a late fee and it goes against my credit score. 
Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from alleged identity theft but I have an Account left that need to be removed or blocked. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXX Date Opened : XX/XX/2015 Balance : $ XXXXCharge-Off, AMEX XXXX Date Opened : XX/XX/2015 Balance : {$9800.00}, AMEX XXXX Date Opened : XX/XX/2015 Balance : {$42000.00}