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

Heres a strong dispute letter using 15 U.S.C. 1681 ( Fair Credit Reporting Act ) to demand removal of a collection from your credit report. This letter also references recent CFPB lawsuits and past cases where XXXX, XXXX, and Experian have been sued for violations. 

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX Credit Bureau Name ( Experian, XXXX, or XXXX ) [ Credit Bureau Address ] Subject : Formal Dispute of Inaccurate Collection Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute an inaccurate collection account appearing on my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I demand that you remove this erroneous information immediately.

This account is inaccurate, unverifiable, and causing harm to my credit profile. As required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if an item can not be verified within 30 days, it must be deleted. I am formally requesting the following : 1. Full investigation into the accuracy of this account. 
2. Proof of verification from the original creditor.

3. Immediate deletion if no verifiable proof is provided.

Recent Legal Actions Against Credit Bureaus & CFPB Lawsuit The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, XXXX, and Experian for failing to properly investigate consumer disputes and illegally harming consumers creditworthiness. The CFPB vs. XXXX, XXXX, Experian lawsuit highlights the credit bureaus repeated FCRA violations. 

Additionally, the following cases demonstrate how the credit bureaus have been found guilty of similar violations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was ordered to pay over {$60.00} XXXX for failing to ensure accurate credit reporting. 
XXXX XXXX XXXXXXXX, XXXX XXXX was sued for providing inaccurate information and failing to correct errors, resulting in a multi-million dollar settlement. 
FTC vs. Experian, XXXX Experian faced legal action for misleading consumers about credit scores and dispute rights. 

Given these legal precedents and your ongoing obligations under 15 U.S.C. 1681, failure to properly investigate and remove this collection will result in further action, including a formal complaint with the CFPB, FTC, and potential legal action. 

I expect confirmation that this account has been deleted from my credit report within 30 days. Please respond in writing to the address listed above. 

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

There is a freeze on my credit report, for all five credit bureaus the following bureaus are listed : XXXX, XXXX XXXX, XXXX, XXXX, and Experian
Product: Debt collection

Afni, Inc reported un-verified and Inaccurate information to my credit profile which is in violation of FDCPA, FCRA and Consumer Laws for the account XXXX {$320.00} which they are not authorized to do since no Contract between Afni, Inc and myself exists, they are also in Violation of Copyright Laws attached to this name.
Product: Debt collection

Automatic payments were set to go out every two weeks from my XXXX XXXX  ( XXXX ) account to a student loan account with the Department of Education managed by Granite State. Payments were being made until the account was below a certain amount. Auto payments were stopped from XXXX XXXX to the Department of Education on or around XX/XX/2019 due to a lack of funds and XXXX continuing to send and then charging a insufficient account funds fee of {$17.00} on XX/XX/2019 and XX/XX/2019. XXXX advised me there was no way to not submit the payment if the account was below a certain threshold and auto pay would send the check or other means anyways even if the funds were not there. As such, auto pay was requested to be stopped so insufficient fund fees would stop. 

Shortly thereafter I started receiving phone calls from ( XXXX ) XXXX stating they were a payment company affiliated with XXXX and needed my credit card number to make the {$35.00} dollar payment since the last one had been returned. They had my name, phone number, and the amount of my last payment. I did not give them my credit card number and I then called XXXX XXXX  to ask about this. XXXX said they would investigate and I never heard anything back. I have blocked the ( XXXX ) XXXX number and that number is still attempting to call two to three times per day. The only way this company would have received my personal number and the payment amount is through XXXX XXXX. 

On XX/XX/2019 I noticed that {$35.00} was taken from my XXXX account via ACH noting the following : USDOE GRANITE ST RETRY PYMT. This was not authorized. I contacted XXXX XXXX   and they told me there was no way to verify if an ACH request was authorized by the account holder or not and that I would need to pay a {$30.00} fee to stop the payment. In addition, this payment would have put the account into a negative balance and another {$17.00} insufficient fund fee would be applied by XXXX XXXX if a new deposit was not made. 

Main complaints : - XXXX XXXX financial practices to recoup revenue on unwarranted insufficient fund fees - XXXX XXXX not verifying ACH requests are authorized ( acceptance on file, code sent, etc. ) - Department of Education or their affiliate using unauthorized means to collect payments ( ACH request, phone calls, etc. ).
Product: Debt collection

Called to collect debt that was not specified nor person mentioned, only asking for information for the Penn Credit Corporation by calling XXXX
Product: Debt collection

This concern is regarding First Federal Credit Control. This past month there was a request- formal and written requesting a validation of debt- certified. There has been no validation of debt provided to me and in addition I have received threats from them that they will call the police on me, this is a clear violation. This is all regarding an alleged debt that I do not have any validation of. While I still do not have validation of debt, this still remains on my credit report. It should be off my report as this is another clear violation. Please assist me in rectifying this as I feel threatened First Federal Credit Control. 
Company- First Federal Credit Control XXXX XXXX XXXX # XXXX XXXX OH XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments reflected on credit report dur to COVID-19 and family issues during the first few months of the pandemic. The credit card has since been paid off as agreed and closed. Requested the late payments on credit report to be corrected considering the circumstances but request was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submittig this CFPB Complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I was victim of identify thief I saw my transunion account is suspended someone try to access without my consent. and I received an alert for New hard inquiries on my transunion credit report. I need please this inquires to been removed. 
XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report relating to account XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX Bureau Code : Individual Individual - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$260.00} {$260.00} {$0.00} Credit Limit : {$200.00} {$200.00} {$0.00} Payment Status : Current Current Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent emails to XXXX, Equifax, and XXXX on XX/XX/22 and XX/XX/22 asking for the payment history and bank statements on the following accounts to verify there late payments. I am sure I have never been late in making these payments. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/20 I found out that my credit lost 67 points accord to XXXX XXXX   because Synchrony decides to decrease my credit line about - {$3700.00}. They acted upon this without informed me reason why. I contacted them today to questioned their abusive practice. The customer service representative said nothing they can do because it is all accord to " evaluation '' of my financials. Then said they already sent the letter or in my email online financial statement. Which I never received either ... I believe this is abusive practice to undercut the customer 's credit score.
Product: Payday loan, title loan, or personal loan

Spotloan charge excessive fees for a {$300.00} loan becomes a {$1500.00} there is something wrong with this. This is a predatory lending. They need to be look at
Product: Checking or savings account

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) business partner investor frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding XXXX XXXXXXXX. I also immediately contacted credit cards, credit score companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All 11 banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, credit score companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, XXXX XXXX  and his accomplice XXXX XXXX I ask you to notify these banks as well. 

As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Kind Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violations and police report of having 4 social security numbers on XXXX  that are not mine
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

On XX/XX/2022, I called Equifax to dispute 2 accounts that I have been trying to eliminate for more than 6 months, XXXX XXXX attended me without last name since by treating me in a hostile way he informed me that he could not give me the last name that the Equifax company prevents him from providing, I notify him that he has to identify himself and he refused 3 times to do so. I inform you of my situation that I send an identity theft report, which indicates that this document did not reach them, I inform you that the report is from the FTC and it indicates that it is not an eligible document to eliminate an account for being opened fraudulent. I tell him to give me or send me the independent investigation they used to determine that the accounts belonged to me and he informs me that he does not have access and that he does not know where to get it. XXXX Violet my rights several times don't tell the truth about the FTC report He admits that they have the report, and tell me the report tho work for delete fraud accounts, he doesn't identify correctly and failed to service by sending me the investigation Equifax use to determine the 2 account are my. I dispute and XXXX give me this account numbers XXXX and XXXX
Product: Debt collection

I received an alert from all three credit bureaus which are XXXX, XXXX  & XXXX  stating that i owe a debt to them which is false information. I have no knowledge of this debt and tried to contact this company by sending certified letter to Waterfall Revenue Grou XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, NJ. And have not received any response from them. It's my right to protect my credit from people like this. I would like them to prove that i owe this debt and if they can't i need it to be removed from my credit immediately. I pride myself on paying my bills on time this is hurting my credit. They are also listed on my credit as ; WATERFALL REVENUE GROUP & A-1 Collection Service.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

Our mortgage servicer, XXXX XXXX XXXX, sold our mortgage to Shellpoint Mortgage Servicing in XXXX 2016. We sold our house at the end of XXXX. Our title company ( XXXX XXXX here in XXXX ) paid off the exact amount owed to Shellpoint to pay off the mortgage in full. We received a letter from Shellpoint in XXXX stating we had to provide proof of homeowner 's insurance. I called Shellpoint. The rep would not identify herself. She stated that we still owed about {$1600.00} on the mortgage to consider it paid off in full. I advised that we paid off the exact amount due and she stated we still had a mortgage and had to buy homeowner 's. Shellpoint has put a derogatory comment on my credit record and will not remove it. This of course will affect my ability to buy another home, car or any other large purchase. I believe BofA did not supply full information about our loan, including the payoff amount due. I have no idea why Shellpoint says we still owe money. I did not get an answer and ca n't get anyone to talk to me about explaining this.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX...
Product: Mortgage

Total Mortgage is the company. We requested our PMI be removed, we met all the requirements. Our original loan states our XXXX must be at 80 % or less and the home must value at {$450000.00}. Our home valued at {$480000.00}. Once Total Mortgage get the appraisal back they try to change everything and state that we need a 75 % XXXX. That is false and its illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I have 2 missed payments on my Capital One credit card that is holding me back from getting approved for housing. I received these missed payments during the pandemic Covid-19 when my family was suffering drastically. I had got laid off from my job and struggled with finding another source of income. This has affected me heavy as I am struggling to make a living for my family. We are XXXX, so please fix this issue as soon as possible. The rest of my pay payments have been on-time out of the 2 years I have had this Capital One card. Also, I have already sent out multiple Goodwill letter to fix this issue. I just want this problem resolved so my family can have a place to call home.
Product: Credit card or prepaid card

I made a complaint recently about Discover card personnel starting a dispute in XX/XX/2018 without my knowledge or consent that caused me great distress, much time and trouble and concern. That has been resolved and the company acknowledged it erroneously started an unwarranted, unauthorized dispute. Despite this, I received a letter from Discover card, dated XX/XX/2018 that stated that they were " happy to continue our investigation of your disputed transaction ... '' The case number is XXXX regarding a {$58.00} charge on XXXX. The problem is that I did not make this purchase, was not informed of a " dispute '' until I received this letter, and once again, was not a party to a dispute begun by Discover car " on my behalf '' nor did I authorize any dispute to be begun - again! I called Discover and it turns out that this was ANOTHER MISTAKE on their part and the dispute referenced in the letter was, according to Discover card, for another customer. I also received a letter that same day, also dated XX/XX/2018 from Discover that directed me to call their XXXX number because " they wanted to discuss important information about my account. '' Again, these two letters and situation have caused me great concern and distress. I absolutely can not believe that Discover card made these serious errors two months in a row on my account, which I have had for decades without incident. It is obvious that Discover card has a very serious quality control problem as regards unauthorized and mistaken disputes and mixing customers up. They need to be called to task for this. I am losing confidence in my credit card and wonder what Discover card is going to do to my account next - more disputes and mix ups? This is inexcusable - twice!
Product: Checking or savings account

Subject : Complaint Regarding Delayed Availability of Deposited Funds at Bank of America Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding the delayed availability of funds deposited into my account on XX/XX/2024. 

On the aforementioned date, I deposited a check from another account of mine into my Bank of America account. At the time of the deposit, I was assured by a representative of Bank of America that the funds would be available for use by the next business day. However, upon reviewing my account information the following day, I discovered that Bank of America had placed a hold on my deposit for a period of five days, until XX/XX/2024. 

Upon further investigation, I confirmed that the check deposited into my Bank of America account had already been cleared from my other account. Therefore, there was no valid reason for Bank of America to delay the availability of these funds in my account. 

I demand that Bank of America immediately release the hold on my deposit and cease the practice of using customer-deposited funds without the explicit permission of the customer. This delay in fund availability has caused undue inconvenience and financial strain on my part. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Bank of America complies with regulations regarding the timely availability of deposited funds and respects the rights of its customers. 

Thank you for your attention to this matter. 

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

I HAVE NEVER BEEN LATE WITH XXXX XXXX XXXX. THEY ARE SHOWING XXXX AND XXXX 2024 LATE PAYMENT. THIS INFORMATION IS INACCURATE.
Product: Debt collection

this creditor refused to validate this account .This account have been sold to diffrent collection agencies witch I am trying to make sure the information is validate with the proper documentation and also get original contract showing this is my account because I am not aware of this account. This is a collection agencies that I never had a contact with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.