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

I am writing to formally request the removal of a written-off account associated with my name from my credit report. This account ( XXXX ) was reported as written off and is having a detrimental impact on my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate or incomplete information on their credit reports. The account in question is not only damaging my credit score but also does not accurately reflect my credit history. I believe that there are valid grounds for disputing this account, as it may not comply with the standards set forth under the FCRA. 

Furthermore, I wish to bring to your attention the civil liability provisions outlined in 15 U.S.C. 1681o, which establishes liability for failure to comply with the FCRA. If this account is indeed inaccurate or unverifiable, I am entitled to have it removed from my credit report without any adverse consequences. 

I kindly request that you investigate this matter at your earliest convenience. If you find that this account can not be verified or is indeed inaccurate, I expect it to be removed promptly. 

Please confirm receipt of this letter and provide me with an update regarding the status of my request. I appreciate your attention to this matter and look forward to resolving it in a timely manner. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnisher accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction, violates federal law, and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX ACCOUNT NUMBER- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

Hello : Im just going through my credit report a few days ago and I saw XXXX, XXXX & Experian has all these hard inquiries some listed more than once on my report I dont know where those companies came from and I saw the date is XX/XX/2023 it was when I went in for a car purchase but I had no clue XXXX was going to just throwing my information all around and he said it would be just two or three. I saw to many to understand I was very angry and confused.
Product: Credit reporting or other personal consumer reports

I sent details of inaccurate information to Experian to review with my current name and address attached and they sent me a email stating that the information was not me. I want to challenge wrong information and they are refusing to act on my request.
Product: Mortgage

Around 15 days before the end of XXXX I received a form letter from XXXX XXXX informing me that our mortgage was sold to New Rez LLC and that beginning XX/XX/XXXX no payments would be processed by XXXX XXXX. Other than providing a mailing address for payments and instructions to update our homeowners coverage with the new mortgage company the letter provided no information on what to expect from New Rez. I have been left to assume that there is no change in our account number, but this is not at all clear from the communications. 

It is now XX/XX/XXXX and we have yet to receive ANY communication from New Rez, a company we had never heard of, and which I understand from my own research has extremely low customer satisfaction ratings and many complaints filed against it. XXXX XXXX was horrible to do business with ; now we can anticipate even worse service. 

Isn't New Rez accountable to provide some kind of communication to borrowers, in a more timely manner than after the payment due date? We have not received a monthly payment notice from them or any other communications. There is no email address for customer service provided by the form letter we received from XXXX XXXX, and no way to figure out if our account has actually been re-established at New Rez.

They have also put on my back responsibility to update my homeowners insurance company. It boggles my mind that I have to do ALL OF THE WORK when they are making good money on my business and putting me through considerable stress and hassle to help them do so. 

With something as important as a mortgage payment, I feel as a customer and homeowner and borrower the lender should be accountable to provide clear, proactive communications to ensure this transition is handled with no inconvenience to me as a profitable customer of these companies. This is the second time our mortgage has been sold and it is incredible how we get passed around, " sold '' like a piece of meat ; these companies doing these deals owe their customers more! 

I hope you will hold both XXXX XXXX and New Rez accountable for handling borrower communications when servicing rights are sold in the best interest of people like me.
Product: Checking or savings account

After receiving a wire transfer amount of {$10000.00}, on XX/XX/2023 into wise account. My account was reactivated. After appealing for my account reactivated, I was being told that This can take up to 5-40 working days, but can take longer in some cases. Its over 40 working days now and I havent received respond yet. barely ever used the Wise App and I am very new to the Wise App I could use some clarification for this issue please
Product: Mortgage

I am an XXXX XXXX XXXX in the XXXX and stationed at XXXX XXXX, KY. I am writing in regards to my rental property at XXXX XXXX XXXX XXXX , XXXX XXXX, GA. 

I purchased the home with a VA loan and had a mortgage agreement with XXXX XXXX XXXX and XXXX ( " XXXX '' ). I arranged for payments to be made automatically from an account, and since buying the home have always been on time with payments with automatic payment system with XXXX. 

Apparently my mortgage was sole to Freedome Mortgage Corporation ( " Freedom '' ). I was unaware of the sale because I never received any type of notice from XXXX or Freedom of the change of companies. Not an email, phone call, or mailing letter. 

Because I was unaware of the sale of the different mortgage and another company was now managing the account, I continued making payments, form the automatic draft account to XXXX. As a result, Freedom apparently believed I was delinquent in making payments on my mortgage. Any notice from Freedom sent were never received by me and in fact, when notified of the foreclosure form my property managing team, I called Freedom and the representative clearly admitted to me on a recored line that all correspondence was returned to then unopened and marked " Return to Sender ''. Accordingly, I had no notice as to the status of my mortgage of Freedoms intentions. 

I received this information when my property management team, XXXX XXXX XXXX,  forwarded me a notice from XXXX XXXX XXXX ( " XXXX  '' ) apparently posted on the door of the property in XXXX XXXX. The noticed stated the property has been foreclosed and XXXX is now the owner. My property was taken by Freedom and conveyed to XXXX all without my knowledge. I have made multiple attempts to contact Freedom but as this date have not been able to resolve any assistance from Freedom or their Attorney team. 

I clearly failed to received any notice form the sale of the mortgage to Freedom, notice from Freedom of any alleged delinquency any foreclosure and any sale of my property. I am outside of the are due to my XXXX military status, see attached orders. I have suffered significant damages from this. I am also requesting a copy of all transactions made by Freedom since I was never notified and XXXX had my correct address. 

In summary, the opinion that foreclosed my property and selling the property without providing proper notice under these circumstances violated my rights under state and federal law. In attempt to settle this I will accept the following : - return title of met property by deed - reinstatement of the terms of my mortgage agreement - contact any and all credit reporting agencies to which any of your representative may have made a report on this matters and correcting the information provided to those agencies including but not limited tom my property not being foreclosed upon and mortgage account in good standing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my repeated submissions, XXXX consistently responds within 24 hours claiming that the account is accurate, without providing any evidence of a thorough or reasonable investigation. This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), which requires a reasonable reinvestigation of disputed information. Additionally, XXXX 's actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as underscored in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) addressing similar noncompliance issues. 

I respectfully request that the CFPB take appropriate action to ensure XXXX complies with federal law and provides consumers with adequate evidence of their investigation process. The account in question is as follows : Account Name : XXXX XXXX XXXX Original Creditor : XXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date XXXX Balance : {$650.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$220.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$630.00}
Product: Debt collection

I was told that I had 30 days to return my Cell phone that I purchased from XXXX XXXX XXXX. I work remotely, and shortly after purchasing the phone I realized I do not have XXXX XXXX XXXX service in my home. The signal was so terrible that I had to go in my backyard to have business meetings. I called XXXX XXXX XXXX and told them about the problem. They informed me since it was not an issue that they could fix ; that they would cancel my contract and send me a prepaid label to return the equipment. I did not think there was any problem until several months later when I received a collection bill for the full price of the phone THAT I NO LONGER HAD in my possession. So I feel robbed by this company. Not only did they take a brand new {$1000.00} cell phone back from me, they are also billing me for the equipment. I have contacted them several times and was told that I was over the 14 day return policy by a few days when I returned the equipment. I was not told this when the representative agreed to mail me the return label. If I was going to be held responsible for the bill, I should at least have the phone that I could resale to someone who can use the XXXX XXXX XXXX XXXX to cut my costs. However, this was never a thought as the company agreed to cancel the contract, and they accepted the phone back with the prepaid label provided. I feel this is fraud for them to accept a new phone back, that they get to make a profit on again and charge me as the consumer the {$1000.00} for a phone I don't even have. I have the text chat from my 3rd call to the company, and the return policy that shows online that there is a 30 day cancellation policy. I told the the representative what was posted online, and they just told me the information was incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc. ) due to lack of customer service and unfair practices, which violates the 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 process continues to be unfair and deceptive, as they did not comply with error resolutions required under EFTA and Regulation E. These actions have caused inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX  XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Debt collection

On XX/XX/XXXX my employer was contacted and disclosed information that should not have told.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$22000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am a XXXX XXXX and travel a lot, one day i lost my wallet years ago with just my drivers license and social never to expect that someone would take out a car loan under my information.
Product: Debt collection

I received a collection letter from AllianceOne Receivables Management , Inc., dated XX/XX/year>, attempting to collect a debt allegedly owed to XXXX XXXX ( Account Number : XXXX, Creditor Reference Number : XXXX ). The letter offered a settlement of {$2900.00} on a balance of {$4400.00}. 

I immediately exercised my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) by sending a written request for debt validation on XX/XX/year>. In my letter, I requested that AllianceOne provide : A copy of the original signed agreement proving my obligation to pay this debt. 
A full breakdown of the balance, including all interest, fees, and charges. 
Proof that AllianceOne has legal authority to collect this debt, including a chain of title showing all transfers of ownership. 
A copy of their debt collection license in California, as required under the California Debt Collection Licensing Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Verification that this debt is within the statute of limitations, pursuant to California Code of Civil Procedure 337 ( which establishes a four-year limit for written contracts ). 
Despite my timely dispute, AllianceOne has failed to provide any validation and continues to attempt collection, which violates : 15 U.S.C. 1692g ( b ) ( FDCPA ) Prohibits further collection until the debt is validated.

15 U.S.C. 1681s-2 ( b ) ( FCRA ) Requires furnishers to conduct a reasonable investigation upon dispute. 
XXXX XXXXXXXX Fair Debt Collection Practices Act ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX Prohibits unfair and deceptive collection practices in California. 
Additionally, if AllianceOne reported this debt to credit bureaus without verifying it, they are in violation of 15 U.S.C. 1681e ( b ) ( FCRA ), which requires furnishers to maintain maximum possible accuracy.
Product: Debt collection

COMMONWEALTH Financial for {$65.00}. The collected the debt in XXXX of 2017. While checking my credit I noticed a collection agency reported me to the credit agency for having a debt. At no time did they call me or write me to inform me about this debt. The only reason why I knew about this is because I checked my credit score. I have paid off the debt immediately however this is poor practice and is hurting my score. Luckily I was trying to buy a home and find out about this down the road since they weren't making an effort to collect but just report. Once I called I was not offered any chance to dispute. Once I paid, I was notified it could take up to 45 days for it to be cleared from my credit report. I find this unacceptable.
Product: Checking or savings account

I initially had made a purchase from XXXX XXXX in XX/XX/XXXX. Upon getting the products there were issues, so I requested a return label from XXXX XXXX, which they provided via email. I returned the products and received a refund without issue. About a month later XXXX XX/XX/XXXX XXXX, I received a charge to my checking account for the exact amount of the original order, after having already returned the products. I reached out to XXXX XXXX to see what this charge was for, and after speaking to multiple levels of management, no one was able to figure out what it was, or even see the charge on their end. I was advised to reach out to my bank ( TD Bank ) and told that they would be able to resolve it. I reached out to TD customer service, and filed multiple claims on this charge that took my account well into the negative. One after another, they were all getting denied and TD told me to contact XXXX XXXX to resolve this. I then provided TD with proof that XXXX XXXX could not see the transaction on their end, and therefore could not reverse anything. I was reaching out to TD Bank daily to try and resolve this, as I had become late on my bills, rent, living money, etc. but was told time and time again this was XXXX XXXX XXXX issue. After not receiving any help from either side, I visited a TD branch thinking they may be able to help more hands on. That was not the case. After spending 2-3 hours in the branch every time, nothing was resolved. After continuing to call, TD then informed me that they would be shutting down my account and that I could no longer bank with them.
Product: Mortgage

Received XX/XX/XXXXstatement in XX/XX/XXXXand amount due was listed as {$1200.00} ( 4.375 % rate ) which I have been paying. I have my payment withdrawn automatically and the amount they withdrew was {$1300.00} ( 5 % rate ). When I did discover a shortage in my checking account I researched only to find that XXXX   deducted a different amount than my statement. Upon numerous calls, why has there been no return call from XXXX  with resolution? I was told that there is a note on my file stating that the account is under investigation. Who does not call a client when there is a problem and who changes/reverses an account 'completely ' without discussing it with a client. I had a modification done XX/XX/XXXX and the rate was taken to 4.375 %. I have the paperwork which is signed and notarized. Next statement I received reversed my legal agreement of XXXX XXXX and changed all the statistics WITHOUT DISCUSSING OR REVIEWING WHAT IS GOING ON WITH ME. It's now well over a month ago and when I do call I am being told that it is still under investigation. My XX/XX/XXXX payment of {$1200.00} is not being properly reflected and I'm getting calls asking when I am going to make a payment ... which they already had. Personally, I feel this is a computer glitch and should have been resolved within a week. I canceled my auto payment and sent a check in the amount of {$1200.00} for XX/XX/XXXX as per our agreement enclosed and notarized. Any wrongly withdrawn monies, {$66.00} to be exact should be applied to my principal. I need XXXX to make the corrections back to 4.375 % and legally honor my XX/XX/XXXX agreement. I have sent them a copy of the agreement that they signed and notarized.
Product: Debt collection

Robo calls with no information. Don't owe anyone. 
Think it is a scam. 
Caller ID says Hunter Warfield XXXX and XXXX
Product: Credit reporting or other personal consumer reports

i sent XXXX  and experian letters on XXXX, disputing the inaccurate and incomplete tradelines they are reporting on my consumer report. Per 15 USC 1681e ( b ) states that all information has to be 100 % accurate and complete before reporting on a consumer report. they are in violation of the FCRA and the information should be deleted immediately. 
XXXX XXXX XXXX is giving out inaccurate data and the account should be deleted as well. 

please see attached
Product: Credit card or prepaid card

I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018.. 
I did not receive it. 
May I have a copy of the application filled out online to get this credit card?