23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against Experian in relation to inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain information that I believe to be erroneous. As of the current date, I have not received any response or resolution from Experian. The following are the details of the disputed accounts and the required corrections : 1.Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit  : {$800.00} The account with XXXX is not mine, and I request Experian to remove it from my credit report immediately. 


2. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8800.00} The account with XXXX  is not mine, and I request Experian to remove it from my credit report immediately. 


3. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} Original Creditor : XXXX The account with XXXX  is not mine, and I request Experian to remove it from my credit report immediately. 


4. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Original Creditor : XXXX  The account with XXXX  is not mine, and I request Experian to remove it from my credit report immediately. 


5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8400.00} The account with XXXX XXXX was never late, and I insist that Experian immediately removes the late payment status associated with this account from my credit report.
Product: Checking or savings account

On XX/XX/23 I requested Marcus Bank ( Goldman Sachs ) to wire transfer {$250000.00} to an external bank XXXX XXXX. My account allows 6 external transfers per month and I have not made any external transfers this month. About XXXX hours later I received a call from Marcus and I was told that they would not wire that $ XXXX because I was supposed to be saving that money in their bank and not transferring it. ( Im not making this up ) They then said I would need to transfer all my savings back to the banks that I used to credit my Marcus account. They said I must transfer {$43000.00} back to XXXX bank, {$1800.00} back to Bask bank and {$200000.00} to XXXX XXXX. Marcus continues to hold {$250000.00} in my fully funded account. I have no idea what the are doing and the actions of Marcus bank are not making any sense.
Product: Credit reporting or other personal consumer reports

I dont recognize the address and name on report. Would you please remove the names and addresses from report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

This company has called me and threatened me saying they will take legal action against me. They also will not validate any information that has inaccurately been reported against my credit and is very much negatively damaging my credit. Ive been asking for verification and have requested verification 4 times from Portfolio Recovery and I do not receive proper verification when asked. 
PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$6200.00} Open balance XXXX XXXX  XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( 3 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans union is reporting " OPEN '' ACCOUNT for a charged OFF account which also reporting a PAST DUE of XXXX this is inaccurate reporting! You canot report an open account which has been charged off showing a past due balance
Product: Payday loan

Lender is contacting my boyfriends mother, who I do not even have a phone number for, to collect my debt. She is no relation to me, mere aquaintance and was never given out information about her for me including her phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX 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 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. An 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: 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  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : 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: Mortgage

An Illegal Fraudulent IRS 1099 Wells Fargo Mortgage Securities Indemnity has compromised My Personal Information Theft Investigate Identity Theft in the Full Legal Name XXXX XXXX XXXX Tax Year 2020 Illegal IRS Refund Payment {$350.00} by Wells Fargo Bank NA XXXX Oregon Investigate with Impunity! 
FBI XXXX  Field Office Currently Investigating IRS Wells Fargo NA XXXX  for Identity Theft in the Criminal Information Theft of Personal Mortgage Indemnity of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over the last couple of years I've been trying to clean my report up but I'm being unfairly judged by someone at the experian company for one my score has stayed in the poor range no matter what when it should be in the fair range by thetr own algorithm tells me my score has increased yet when I go to the report it remains XXXX they have kept inaccurate reporting on XXXX after I've hibing them the un denial proof that there wrong yet they still hinder me
Product: Payday loan, title loan, or personal loan

I have an installment loan from my car title with instalone and this is the second time that they are attempting to bully me into making a payment and harassing me with phone calls they've called me three times in the last two days when the first call I received I told them I would be making a payment today or tomorrow and then I received two phone calls after that. 
I already filed a complaint with the better business bureau but I ended up getting bullied into borrowing more money to make the past due payment and this is all due to kovid that I couldn't make the payment. one day past the due date which was XX/XX/XXXX they slapped on another month due right now that's twice they've done that to me period plus the harassing phone calls and their bullies they are bullying me ... help me XXXX is who called me
Product: Mortgage

We have been denied a loan modification by bank of america for the third time without submitting the package to the Investor for final review and decision. Bank of america is just the servicer, and the investor for this mortgage requires that all decisions for loan modification has to be submitted to the investor to look at the supporting documentation before granting a decision. We appealed the decision to no avail. The bottom line is that bank of america has a backroom policy to deny modifications so that they and their secret investors can remove people from their loans. This loan was part of the countrywide product and this servicer puts all investors in one box. XXXX is an investor that has our mortgage and wants to work with us but bofa has refused. One employee even told me that because we are current that means we have not met the hardship requirement and therefor no need to move forward. There are other criteria for hardship that we submitted to the bank such as XXXX % reduction in income from my wife caused by XXXX XXXX and therefore a XXXX even submitted a doctors not violating the hippa policy which they refused to acknowledge. Interest adjusted from 3 to 4.37 % in XXXX XXXX and it is going to adjust again in XXXX to 5.37 % approximately. My gross income was increased by the bank contradicting what I gave them from my personnel office. The bank stated that I make approx {$1000.00} more than what I actually make. They have been made contradictions and violations by bank of america. One contact person investigating inaccurately reported completing a thorough investigation and made false remarks in his report. The contact person even indicated to me that they have other options if bank of america will submit a package to them for their underwriters ( XXXX ) to complete the final packet. Bof A continues to take our payments and apply it to interest only which is against the law. Our payment coupon clearly indicates that it should be applied to both principal and interest but the bank is reaping us committing an illegal act. The remedies we seek are permanent modification with reduced interest and payment we can afford. credit us back {$93000.00} aprox. for fees and charges that we added to loan illegally. pay us for the violations that have been committed by bank of america.must submit the modification to XXXX XXXX group to handle all processes and decision on the modification. Bank of america should not be part of the process and let impac handle the entire process. Their employees and back end employees should not be part of the process. XXXX can and should handle it from start to finish just like they did before in XXXX. My name XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> National Credit Adjusters , LLC XXXX XXXX XXXX XXXX XXXX, KS XXXX Account Number : XXXX Dear XXXX XXXX XXXX, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question. 
I dispute the validity of this debt and request that you provide the following information : XXXX. Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 
XXXX. Verification that you are licensed to collect debts in my state. 
XXXX. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. 
XXXX. A complete payment history, detailing all payments made and any credits applied to the account. 
XXXX. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 
Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 
Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Product: Debt collection

Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege is due to you. This is not a request to verify the debt but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment to you.

You must provide the following alleged information to me within thirty ( 30 ) days from your receipt of this letter.

* Creditor 's Name and Full AddressName of Debtor of Record * Full Account NumberAmount of Debt * Due Date of Debt * Original Charge Off or Delinquency Date * Explanation of how the Debt was calculated * Evidence that the Debt is within State 's applicable Statute of Limitation * Name of Collection Agency or Owner of Debt, if applicableAmount Paid if Debt was Purchased Completed and Executed Agreement, including Signature Pages, for the Debt
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed items to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following items : 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

For the past 6 months I have received notices from Chase Mortgage Loss Litigation willing to give me assistance on my mortgage loan account number XXXX. I contacted Chase Mortgage to ask them to cease from sending me letters that I was not behind on my mortgage I was current. After speaking with the representative informed me their were no reason for me to have gotten those collection letters. I told them I did not want to look high risk for a trigger for my loan to be transfer for servicing or sold. My loan has been in good standing for one year now and there should not had been a trigger for my loan to look as if I was a high risk to foreclosure. Well because of this erroneous collection practice my loan as been transferred or sold the loan servicing rights. That 's not fair and I do not want my loan to be transferred for this reason. Please see attachments. I am not in foreclosure and am not behind on my mortgage for this property. Please avoid trigger to loan servicing. Please assist.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 3 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information you have reported to the credit bureaus regarding my account ( Account Number : [ Your Account Number ] ). Upon reviewing my credit report, I have identified several inaccuracies, errors, and potential violations of federal and state laws governing consumer credit reporting and billing practices. 

Disputed Information The following information is inaccurate and requires correction or deletion : 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  [ Additional inaccuracy, if applicable ] Legal Basis for Dispute Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Under the FCRA, you are required to conduct a reasonable investigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information. Failure to do so constitutes a violation of federal law. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e If this account has been reported inaccurately or misleadingly, it may constitute a false representation of the debt, which is prohibited under the FDCPA. 

Violation of the Uniform Commercial Code ( UCC ), Article 3 Under UCC Article 3, which governs negotiable instruments, I have the right to dispute any unauthorized or improperly executed transactions. If the account in question involves a negotiable instrument, I request proof of the original agreement and a detailed accounting of all transactions. 

Violation of Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces federal consumer financial laws, including those related to accurate credit reporting and billing practices. I request that you comply with CFPB guidelines by providing documentation to substantiate the disputed information. 

Request for Investigation and Documentation Pursuant to the FCRA and CFPB regulations, I request that you : Conduct a thorough investigation of the disputed information. 

Provide me with copies of all documentation used to verify the accuracy of the account. 

Correct or delete any inaccurate, incomplete, or unverifiable information from my credit report. 

Notify all credit bureaus to whom you reported this information of the resolution. 

Notice of Potential Legal Action If the disputed information is not investigated and resolved within 30 days, I reserve the right to pursue further legal action under the FCRA, FDCPA, and other applicable laws. This may include filing a complaint with the CFPB and seeking damages for any harm caused by the inaccuracies. 

Please send written confirmation of your investigation and resolution to the address listed above. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 reporting, credit repair services, or other personal consumer reports

I mailed certified letters in XXXX and in XXXX of 2023 to all 3 credit bureaus to update or remove inaccurate information off my credit report. The creditors just verified the accounts. Law requires that they report accurate information on my credit report. The information is not accurate at all. They are reporting different information on different credit bureaus, and not updating or deleting the inaccurate information. It is so frustrating how they can just say the account is verified and not fix the errors all on my credit report. I feel like the credit bureaus are teamed with the creditors on my account and just hoping that I will go away and forget about the errors. I was told that I can come to you ( CFPB ) to get the credit bureaus to do what is right in this situation.
Product: Checking or savings account

I deposited a check on Sunday, XX/XX/2021 for the amount of {$4100.00}. I reached out to Chase Bank customer service on Sunday, XX/XX/2021 to see when my deposited check would be available. The customer service representative told me my funds would be available by XXXX on Tuesday, XXXX XXXX. Later that day, I received an automated message from Chase Bank saying my deposited funds wouldn't be available until XX/XX/2021. I called Chase Bank customer service to ask why. All they told me was that they have a hold for 10 days on the check. I went to the Chase Bank by my house to get more clarification and spoke with a branch manager, XXXX XXXX. She told me my check would be on hold for 10 days so they can make sure it was legit and that it was me who deposited the check. I asked if there was anything I can do to expedite this, and she said no. I deposited another check to my account on Tuesday morning, XX/XX/2021, and the funds were available right away. I don't understand why they are holding the check. My account is currently overdrawn, and I let her know that and that I needed the funds to be deposited. She told me there was nothing she could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion keeps reporting derogatory information on my credit report that has caused great duress to family. My husband and I have spent several hours dealing with situation. In XXXX, credit report was corrected but after viewing report for XX/XX/XXXX, report is showing same libelous information that was reported back in XXXX. They have been shown proof that account was closed in XX/XX/XXXX. The account is a joint account prepaid lease that was paid up front and turned in with a release from obligation. My husband 's report shows this account as satisfactory but my report indicates several libelous notations. TransUnion telephone reps are very unhelpful and it seems like most are employed overseas. Enclosed is a letter from Ally releasing all obligations for account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made on time : The payment was made before the due date, but it seems there was a processing delay on the creditor 's end. I have attached bank statements showing that the funds were deducted from my account well before the due date. 
Clerical error by creditor : XXXX XXXX  XXXX has admitted that the late payment was due to an internal error in their billing system, and I have attached a letter from the creditor confirming this issue. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.