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

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, XXXX XXXX number : XXXX date XX/XX/year> XX/XX/year> .Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX and Experian. Please delete the following accounts and ANY and ALL inquiries associated with the accounts. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX This inquiry is not mine XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled an account with XXXX through the debt collector XXXX XXXX XX/XX/XXXX, account cleared payment on XX/XX/XXXX, and I have called and called and requested that my credit report is still not showing balance of 0 after settling. They have not sent an update to the credit bureaus. On top of that I have a pending mortgage and they are requiring a letter stating that account has been settled with XXXX. I have called several times and they are refusing to provide me a letter stating that it is settled. The verbiage is reflecting that it has been settled pending clearing of payment which was cleared months ago. I have spoke to several XXXX representatives and requested to speak to supervisors and nobody is helping. This is delaying my process in purchasing a home. I need someone to do something. I need a letter stating account has been settled with 0 balance, without extra verbiage implying pending payment. 


Also, I settled another account with XXXX XXXX XXXX with debt collector XXXX XXXX End of XXXX, payment cleared on XX/XX/XXXX. I have called TD Bank USA several times and have not been able to speak to a person to obtain a letter stating account has been settled and cleared. I received it from the debt collector but I am need one from the creditor stating it is cleared and settled. No response from them at all. Automated system leads you in circles. I need a letter  asap and mailed to me. My credit report is also not reflecting a {$0.00} balance. I have not received not one letter from TD Bank USA stating the account has been settled. 

These accounts were paid months ago and I should be able to obtain these items from the creditors. Accounts were resolved.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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

CONGRESS COLLECTION is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX, and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. CONGRESS COLLECTION has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 
In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me. 

CONGRESS COLLECTION has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. CONGRESS COLLECTION has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. CONGRESS COLLECTION fails to respond to my verification letter by certified mail.
Product: Credit reporting or other personal consumer reports

Experian refuses to delete or remove an account from credit report that is reporting inaccurate and invalidated information causing grave damage to my credit history. I do not have a contract with : XXXX XXXX XXXX XXXX. Nor did I ever reside at the address listed under this account. I explained that this was violating the fcra laws and statues 15 usc 1681. I would like to pursue civil damages of {$1000.00} for repeatedly denying my right, and request for a removal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act Convergent XXXX XXXX, has violated my rights.

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I met with a coach via online XXXX  in XX/XX/year>. He offered XXXX months of coaching for the cost of {$2500.00}. This was to be paid up front. I had no prior experience with XXXX, but he guaranteed that if I am disatisified in any way, i would be entitled to a full refund. 
Evidence of this guarantee is also posted on his website- see attachmenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. I started the program on XX/XX/XXXX and within one week I saw that the coach he assigned to me what not a good fit and I immediately expressed to XXXX my dissatisfaction and asked that we discontinue and honor the money back guarantee. My notification to XXXX is evidenced by the second attachment - a screen shot of my XXXX  message directly to XXXX XXXX. 
See attachment titled notification. 
3. As you can see by the evidence furnished by XXXX in his attempt to fight this dispute, he shows how his app was link to me starting XX/XX/XXXX, but by XX/XX/XXXX i had disconnected and you can see where i circled that there is not longer any workouts assigned from that day forward nor any link to my calories consumed. 
So this is his own paperwork showing that he no longer provided any service from XX/XX/XXXX onward. 
See attachment titled No Longer a Client. 
4. Based on the fact that this was a guaranteed service, i asked that that be honored. 
In addition, based on the fact that no service was rendered after XX/XX/XXXX, a refund should be honored. Based on the fact that he no longer responds to any of my contact attempts, he can not actually provide the service that i am being asked to pay for, and as a result a refund should be honored. 
I did not receive a coaching service and therefore should not be asked to pay for something i did not receive.
Product: Credit reporting or other personal consumer reports

Hello I looked on my credit report and I found some mistakes on it. These companies are not mine and can you check them to make sure they aren't mine and remove them. They are : 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 These are not my accounts can you prove that they are mine and If not then delete them.
Product: Student loan

Consolidated my loans in  XXXX  ( had  Fedloan Serving  as my servicer since  XXXX  ) Have been on the  Public Service Loan Forgiveness Income Based Repayment pro gram Have been paying my loans with  Direct Deposit  since   XX/XX/XXXX     XX/XX/XXXX   changed my  Direct Debit Amount  and received an email confirmed that it my new application was accepted and that my first payment would be on schedule on XX/XX/XXXX  ; each previous payment was made on the  14th  of the month Received a letter in my paperless inbox in the  Fedloan  Serving System on  XX/XX/XXXX  that my direct debit was accepted but that I would be notified about when my payments would begin and should make manual payments until then.   When I logged into my account on  XX/XX/XXXX ,  my loan balance showed as {$0.00} and my consolidated loan information from  XXXX  had disappeared.   I called FedLoan Servicing on   XX/XX/XXXX   to check what had happened. The customer service representative said she had no idea but that she could notify the consolidation department I would be contacted by the end of the business day. She also said I could make manual payments through them on the phone so my account would n't be Delinquent.   I did not hear from anyone. I called  FedLoan  Serving back today and spoke to a different Customer Service Representative. He said that he also did n't know what was happening and would elevate this to his supervisors to look into. He said he could n't make a manual payment for me because they used the online system. He also said that if my account became delinquent, eventually they could override it in the system since it was due to a glitch on their end. He said to check back in in a week, but that there was nothing they could do until they figured out what happened. Finally, he confirmed that my loan was still there and accruing interest, there was just no way to pay it.     XX/XX/XXXX   my consolidated loan information reappeared, but since I was n't able to make a payment during those days, interest continued to accrue. I immediately made a manual payment, reset-up my direct deposit and called  FedLoan  Serving to check on my payment to make sure it would still count towards PSLF and to see about getting the interest overridden since I had been unable to make a payment because of a glitch in the system.     The women I spoke to did not listen, would not believe me that I was unable to make a payment due to a glitch in their system, and raised her voice to speak over me. Her ID is  XXXX . She insisted that there was no way to get rid of the extra accrued interest even though it was due to their system malfunction.     I would like the interest removed.
Product: Mortgage

in XX/XX/XXXX we purchased a manuf home and obtained fha financing- to date- tax districts list prop as lot only- manuf home is still listed under previous owners. When i turned XXXX i was trying to apply for over XXXX exemption-this is when i was told they is not home listed on property. I recieved overage check from dovenmuehle for XXXX i contact them to let them know this was a mistake and i send the check back in XX/XX/XXXX this has never been resolved. In XX/XX/XXXX we were contact by attorneys from the XXXX law center asking us if we wanted to modify our mortgage- They asked us to send them all our information, paystubs, bank statement, and budget letter. We were told to send them XXXX mortgage payments and not contact Mortage company since they would be handling the modification. In XXXX is when we found out this was a scam and Dovenmuehle sent us a foreclosure notice, they were not aware of any modificiation. We then tried to work with them thru loss mitigation. We made application and sent them all the required information, in XX/XX/XXXX they asked for updated documents since they were more then 30 days old, then in XX/XX/XXXX, they asked for more, same in XXXX, We kept being put off with a reason that they were not able to clear title- they said there were judgement filed against us, this was not the case- it was that the title did not show subject as real property- at the same time this was all happening, we Received a law suit filed by County of XXXX for unpaid taxes for XX/XX/XXXX on the Mobile home for XXXX this include court fees and was still show previous owners name included in the law suit. We contacted Attorney and were told the only way to not lose home to unapid taxes was to file for Chapter XXXX BK, which we did, the we contact HUD who contacted Dovenmuehle to pay the taxes. They were also told that they needed to file the correct documents to get the manuf home listed as real property. This has never happened. Our mortgage has now been sold to XXXX other mortgage companies since then. Was sold to XXXX then XXXX XXXX and now XXXX XXXX XXXX hold our mortgage- Since we filed BK- no one at any of the mortgage companies will talk to us. We have fallen behind again since our payments have increased by XXXX due to shortgage of escrows. They will not allow us to make any payments unless we pay the full amount. We are just wanted our property to be taxed correctly and able to get a loan modification at a current rate in order not to lose our home.
Product: Mortgage

In XX/XX/2021 I filed a complaint which was assigned XXXX XXXX. 

Recent correspondence from Wells Fargo advised me that Wells Fargo intended to contact the credit reporting bureaus in accordance with my request. Wells Fargo was to advise the credit reporting bureaus of a errors by Wells Fargo which resulted in the erroneous reporting of my account. I am simply seeking a printed copy of the communication from Wells Fargo to the bureaus and printed confirmation from the Bureaus that my record has been corrected to show no late payment. 

Thank you XXXX XXXX
Product: Mortgage

Company denied modification because they couldn't reduce principal and interest. However after receiving copy of denial we clearly see principle & interest would be reduced with a modification.
Product: Mortgage

Back history : We purchased our home in XXXX of XXXX with an XX/XX/XXXX loan. The 80 % was with XXXX, the 20 % was with XXXX. Roughly in about XXXX we got behind on our house, XXXX sold our loan to XXXX XXXX XXXX at that time we thought that they had purchased the 80 % and the 20 % at the same time since we had done a modification with them. Since after XXXX we have never received another bill from XXXX. Fast forward to XXXX we started the process to refinance our home and when the title company came to pull title we found out there is a Lien on our home with someone named XXXX, They are listed on the MERS website as the Lien. MERS # XXXX I have never heard of them up until 60days ago. 
I have tried to work with XXXX XXXX to release lien since I have talked to numerous people at the office stating that they have NO account under my name, my husbands name, our property address, they only reason I am talking to them is that they hold lien on my home. I have talked to Veripro Solutions and they only thing they can provide me with is a DEED of trust. I have requested the NOTE over 20 days ago. And every time I have spoke to some one they keep telling me they are researching it and it will be 3-5 business days. I have multiple emails and phone calls from them. Stating that they have escalated there manager but NOTHING has happened. There is still a lien on my house and I can not refinance and no one will provide a NOTE or proof that the debt is valid.
Product: Mortgage

This complaint documents my experiences with Wells Fargo bank regrading a VA mortgage loan in XXXX 2008. I write this complaint to show that Wells Fargo practices of forcing unwanted accounts on consumers goes further back than originally reported. My application was filed and processed in XXXX XXXX, TX during XXXX 2008 for a primary home in XXXX XXXX, Texas. There were no issues with the approval or loan processing until after closing on XXXX XXXX, 2008. I am a XXXX XXXX veteran and was receiving XXXX XXXX compensation as a direct deposit to my XXXX Bank checking account. I used employment earnings to pay the mortgage from another bank checking account and I used the XXXX checking account to pay-off credit card debts. However, my XXXX 2008 XXXX XXXX check was not deposited to XXXX Bank as it had been for many years, and I received an overdraft notice from XXXX Bank. It took many phone calls to XXXX Bank and the XXXX to learn that my XXXX XXXX check was deposited to a Wells Fargo checking account I did not authorize and did not know I had. The Wells Fargo account was opened without my knowledge or consent and my XXXX XXXX check was diverted from XXXX Bank to Wells Faro Bank by person 's unknown at Wells Fargo to this new account without my knowledge or consent. It took two months for the VA to process another direct deposit request and return my XXXX check to XXXX Bank. The bogus Wells Fargo account showed up on my credit reports until I partitioned Wells Fargo Bank to close the account and remove records from my credit reports. This loan has since been paid off and the property sold.
Product: Credit reporting or other personal consumer reports

According to credit reporting act 15 USC 1681 section 602a states theres a need to make sure that consumer reporting agencies demonstrate their grave responsibilities with impartiality fairness and respect for consumer right to privacy. XXXX, Equifax, and XXXX are consumer reporting agencies, and I am the consumer. I have the right by law to make sure my private information is not shared, which is backed by 15 USC 1681, Therefore, it states its the policy of congress that each financial institution has an affirmative and continual obligation to report the privacy of Its consumers and to protect the security and the confidentiality of those consumers non-public personal information, ( furnisher of information to credit agencies. ) Which is a financial institution under that title. 
15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer report agency may furnish a consumer report under the following circumstances and no other : according with written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) The financial institutions and the consumer reporting agencies XXXX, Equifax, and XXXX XXXX does not have my consent to furnish this information and they surely never had my written consent. All and any consent to XXXX, Equifax, and XXXX, ( furnish of Information to credit agencies ) whether it be written, verbal, non-verbal, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that, A financial institution does not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer may exercise that nondisclosure option, Furnisher of information to credit agencies ) Never inform me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agencies 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.

Therefore, these accounts are adverse items they are reporting again without my permission, which is against the law according to 15 USC code 1682 s-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.15 U.S Code 1681c states, consumer reporting agency shall maintain reasonable procedures designed to avoid violation of Section 1681c of this title and the limit the furnishing of consumer reports to the purpose listed under Section 1681b of this title, XXXX, Equifax, and XXXX are not maintaining reasonable procedures. Also 12 CFR states, a consumer may exercise the right to opt-out at any time.