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

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of two accounts listed on my credit reports with all three major credit bureaus ( Equifax, XXXX, and XXXX ). The accounts in question are : XXXX XXXXXXXX XXXX XXXX XXXXhese accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports.

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, XXXX XXXX XXXX refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXX XXXX XXXX XXXX XXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation. 

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS XXXX XXXX XXXX or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA. 
Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities. 

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Dear  Consumer Finance Protection Bureau, I have been having a problem with the Ditech LLC,   loan servicer for my mortgage.  <P/> After months of working to negotiate a loan modification I have been denied. The loan modification process was fraught with constant frustration in dealing with Ditech which has insisted repeatedly on applying grossly inaccurate and incorrect information to my application.  <P/> At this point I have no idea whether I would qualify for a loan modification or not, but I have concluded th at Ditech was never working in good faith to determine if I could qualify for one, tho ugh their attorney told me in foreclosure mediation that I would definitely receive a modification and be able to keep my home. It seems in hindsite that their strategy was simply to burn up time and let my monthly arrearages accumulate until they go to a point where the amounts were too great to qualify for any forbearance in a loan modification guideline.  <P/> While I have not given up on the possibility of pursuing a modification to make my payment more affordable, I am now forced to switch approaches to the immediate problem, because the foreclosure process has moved forward and has gotten to the point where there is a Foreclosure sale scheduled for Monday,  XXXX   XXXX ,  2017, at   XXXX . This is only 5 days away.  <P/> As an alternative to this foreclosure I have been attempting to pursue making full payment of the past due amount to reinstate my loan. However, again I am experiencing that Ditech is not working in good faith to accomplish this.  <P/> On  XXXX   XXXX ,    2017 I made  a formal request by phone to Ditech for the full amount of funds required for reinstatement. Ditech told me this number would tak e 3-5 b usiness days to prepare. Today  XX/XX/XXXX , is the 6th business day. I have not received the reinstatement amount.  <P/> Ditech is not answering my phone calls ; they are being filtered directly to voicemail ; and Ditech is not returning my repeated voice mail messages.  <P/> I do not intend to allow the foreclosure process to proceed and will seek the alternative of a bankruptcy filing to prevent it however, this is not only asinine, but very harmful to my attempts to rebuild my life and prevent additional damage to my credit history.  <P/> I have secured through savings enough money to presumably pay the reinstatement amount tomorrow. But because Ditech is ignoring my phone calls, and my request for a reinstatement amount, I can not make the reinstatement payment.  <P/> This forces me to spend another {$3000.00} dollars in legal fees to stop the sale with an unnecessary bankruptcy filing.  <P/> This just seems wrong. Are there any laws being broken with Ditechs obfuscation, stalling, and delaying tactics?  <P/> Is there anything you can do to help me with this? Anything at all would be greatly appreciated.  <P/> Thank-You
Product: Bank account or service

Hello, My name is XXXX XXXX, I ordered a ChexSystem report about a week ago because I can not open a bank account. Back in 2010 I had an account with XXXX XXXX XXXX, they closed my account due to a bad check. I wrote them numerous letters, but they never replied. 5 years later I 'm still unable to open an account. Once I received my ChexSystem report it stated that I tried opening numerous bank account in states that I have never been before. I just need to get a clear understanding of whats going on, and what should I do.
Product: Credit card or prepaid card

XX/XX/XXXX I spoke to XXXX USAA rep. She was UNABLE to answer my questions regarding the fraud on my account. See attatched FRAUD CLAIM LETTER dated XX/XX/XXXX CLEARLY USAA POLICY TEMPORARY CREDITS MUST BE MADE PERMANET AFTER INVESTIGATION COMPLETED. See attatched XX/XX/XXXX Statement There are {$2.00}, XXXX OTHER CREDITS TEMP CREDITS ONLY {$910.00} TOTAL CREDITS for this period.??? QUESTION : If USAA Policy is to Convert TEMP CREDITS TO PERMANET as clearly it is * IF TEMPORARY CREDITS NOT MADE PERMANET UNTIL MONTHS LATER ( HOW CAN PERMANET CREDITS EVER EFFECT THE BALANCE CALCLATED MONTHS PRIOR.??? ) Then she claimed TEMP CREDITS ARE REALLY PERMANET  AT THE TIME THEY ARE PLACED ON THE ACCOUNT. QUESTION : IF THAT IS TRUE, WHY DO TEMPORARY CREDITS NEED TO BE MADE PERMANET as letter XX/XX/XXXX explains? She could Not answer.
Product: Credit reporting or other personal consumer reports

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my XXXX  XXXX  or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Product: Credit reporting or other personal consumer reports

I recently came across information regarding the CFPBs lawsuit against Experian. I believe I was adversely affected, as my chances of obtaining credit were negatively impacted after receiving a response to a prior dispute stating that the accounts in question had been verified. I request that you either provide the necessary evidence to support this verification or promptly remove the disputed accounts.

Formal Dispute Regarding Inaccurate Credit Reporting I am writing to formally dispute inaccurate information that remains on my credit report despite previous attempts to rectify these errors. I have noticed that, much like the issues highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, my disputes have not been adequately investigated or resolved. 

Specifically, I have repeatedly disputed the accuracy of the disputed item continues to be reported inaccurately. Each time, I receive a response indicating that the information has been " verified '' by the furnisher, yet no substantial proof or explanation is provided to support this verification. 

The CFPB has outlined in their lawsuit against Experian that such practices violate the Fair Credit Reporting Act ( FCRA ), which mandates proper investigation of disputes and accurate reporting. Experian, as noted by the CFPB, failed to conduct meaningful investigations, leading to the reinsertion of erroneous information into consumer credit reports. I believe my situation mirrors these allegations, where my concerns have been dismissed without thorough review or fair investigation. 

I request that you conduct a proper investigation into the accuracy of the disputed items. If the information is found to be inaccurate or unverifiable, please remove it from my credit report immediately as mandated by the FCRA. Additionally, I request written confirmation that these inaccuracies have been corrected and will not reappear on my report. 
Failure to address this issue adequately will leave me no choice but to file a complaint with the CFPB and consider further legal action to ensure my rights are protected. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit card or prepaid card

Aspire charged a {$99.00} fee to activate the account. However, denied access to the full credit limit ; only allowing 50 % of the credit limit to be used.
Product: Credit card or prepaid card

I have purchased 5 Visa giftcards at XXXX store on XX/XX/2021 and I lost one of the Visa giftcards. I immediately contacted Visa giftcard support and was advised to contact Blackhawk Network support via email and send them the receipt from XXXX. I sent the email with the receipt via email on XX/XX/2021 and was supposed to receive a response within 1 business day. 2 days later I sent a reminder to respond but the company ignored both of my emails. This is a time sensitive manner, a giftcard is like cash. Obviously the company wants to keep the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i sent XXXX XXXX and TransUnion More than enough supporting documents to have 3 accounts that do not belong to me removed or blocked from my credit history. i was very straightforward by telling the three credit bureaus that these accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX did not belong to me and that i had never opened these accounts nor did i ever give anyone permission to open these accounts under my name. i filed a police report and a FTC report to have these items removed and they are still being reported. I Did not open these accounts and they are not associated with me in any way shape or form. i have no contract with any of these companies listed in my police report or FTC report. I also called the three major credit bureaus to ask if they had attached my complaint documents so the companies can see them and they stated No they didn't which violated my rights as a consumer and did not give me the fairness to have these accounts removed. i have also sent enough proof to identify myself with my arizona drivers license and two current utility bills
Product: Mortgage

I applied for a modification with Green Tree and they will not talk with me about why it was denied.
Product: Debt collection

This company is reporting twice on my credit report and I do not have a contract with this company. They 2 separate dates listed on my credit report. One is XXXX XXXX and XXXX XXXX. I do not owe this company money as I do not have a contract with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX bought our mortgage from XXXX in XX/XX/2019. It was not made clear that my loan number also changed because they already had a customer with the loan number I had for years. XXXX manually transferred to my account through XX/XX/2019, and then just let it go into their previous member 's account. It was eventually corrected after two weeks of phone calls, attachments, and then a smart person there realizing what had happened. She said new people in customer service would be told about this problem in case there were others. No mention was made of why their accounting was not trained to notify me by email to change my loan number, or just keep correcting. However, it was resolved and the credit reporting agencies were informed. 

Transunion first said they agreed with the mortgage company when I disputed, and then when I questioned if I was reading their answer right, they said I had complained about the balance and that was correct. I informed them I complained about them saying I had late payments, which did make the balance wrong, and they told me to dispute again just for the late payments. 

On XX/XX/XXXX Transunion showed my score as XXXX according to XXXX XXXX. It dropped to XXXX on XX/XX/XXXX, and went down 161 points to XXXX on XX/XX/XXXX based on XXXX XXXX incorrect information. It is now only XXXX even though they now show the correct info that I have had no late payments, and have refinanced with another company so have paid XXXX off.
Product: Vehicle loan or lease

Back in XX/XX/2009 I served United States XXXX XXXX. My duty station was XXXX XXXX. I was a new XXXX XXXX XXXX. A Ex- XXXX who profit off getting Servicemembers to come to XXXX XXXX XXXX XXXX for used vehicles, told me to sign XXXX contract and shortly after I would be able to refinance the 24 % interest loan for much lowere rate. Time went by i was loyal to my $ XXXX/mon payment. 2yrs later car enigne was blown. I was going through a divorce and couldn't make payments on time. Harrasments and threats went on for a year or so of being able to pay when i could. Even after they came on base and took the vehicle, i couldn't talk to anybody about and adjusted payment. So when i finally got my large sum of EAS money i was ready to give them a offer. But was turned down. Over the past year, I have been trying to slowly work on my credit report. And the inquiry reports, funds not receivable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XX/XX/2024 Subject : Dispute Request for Account Deletion Due to Lack of Response to CFPB Debt Validation Request Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute the validity of an account listed on my credit report and to request its deletion based on non-compliance with a debt validation request sent through the Consumer Financial Protection Bureau ( CFPB ). 
On XX/XX/2024, I submitted a debt validation request regarding the account [ XXXX XXXX XXXX account # XXXX ] to XXXX XXXX XXXX through the CFPB. As of the date of this letter, I have not received any response or acknowledgment from XXXX XXXX XXXX regarding this request. 
According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers have the right to request validation of a debt from a creditor. Furthermore, failure on the part of the creditor to respond to a debt validation request within a reasonable timeframe can result in the debt being considered invalid. 
Given the lack of response from Receivables XXXX XXXX, I am requesting that the account XXXX XXXX XXXX account # XXXX be promptly deleted from my credit report. The failure of Receivables XXXX XXXX to provide validation of the debt within the stipulated timeframes casts doubt on the accuracy and legitimacy of the reported information. 
I have enclosed copies of the following documents for your reference : XXXX. A copy of the debt validation request submitted to [ creditor 's name ] via the CFPB. 
XXXX. Any relevant correspondence or documentation related to this matter. 
I kindly request that you conduct a thorough investigation into this dispute and take appropriate action to remove the disputed account from my credit report. Additionally, I request that you provide me with a written confirmation once the account has been deleted. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute and the subsequent update to my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of debt validation request submitted to [ creditor 's name ] via the CFPB Any relevant correspondence or documentation related to this matter.
Product: Debt collection

Debt Amount : {$330.00} Creditor : Midland Credit Management , Inc . 
Date Submitted XX/XX/year> **Key Points of My Dispute : ** 1. **Inaccuracy of Reporting ( FCRA 1681s-2 ) : ** I believe the reported debt is inaccurate, as I have no record of incurring this obligation. Under the Fair Credit Reporting Act, specifically 1681s-2, furnishers of information are required to provide accurate information to credit reporting agencies.

2. **Failure to Validate Debt ( FCRA 1692g ) : ** I invoked my right under the Fair Debt Collection Practices Act, 1692g, to request validation of the debt. To date, I have not received any documentation from Midland Credit Management proving the legitimacy of this debt, which is a violation of my rights. 

3. **Obsolete Information ( FCRA 1681c ) : ** The FCRA, specifically 1681c, prohibits the reporting of debts that are outdated or incomplete. If this debt is tied to an account that exceeds the reporting period or lacks essential details, it should not remain on my credit report. 

I have requested that Midland Credit Management conduct a thorough investigation into this matter and provide written confirmation of their findings. I am seeking the removal of this debt from my credit report if it can not be validated as they are violating my rights.
Product: Credit reporting or other personal consumer reports

The following corporations and agencies have violated my consumer rights, and I will be using every remedy under federal consumer law : They have ignored every letter of online activity that was sent to them to recognize their fault in this manner : Portfolio Recovery XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX : Under my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that your agency provide detailed verification of the alleged debt, including the original creditor 's name, the nature and amount of the debt, and any relevant contractual agreements. Failure to provide such verification will be considered a violation of my rights, which he still has not provided today. 
In light of the lack of a contractual relationship and unauthorized access to my private information, I request that your agency cease all communication with me regarding the alleged debt. Any continued attempts to collect on this debt without proper verification will be considered a violation of the FDCPA. 
I expect your agencies to conduct a thorough review of this matter and provide a written response within [ a reasonable time frame of 14 days ] addressing the concerns raised in this complaint. Failure to provide evidence of a valid contractual relationship or continued unauthorized access to my private information may result in further legal action to protect my rights. 
According to 12 CFR 1016.7, a consumer has the right to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable.
Product: Debt collection

Ive tried disputing it twice with Radius Global Solutions, both times they instantly denied it and said it was my account when I provided lease documents, everything I could to prove I never opened a account with XXXX  XXXX which went to Radius Global Solutions collection. I never opened an account on XX/XX/year>. Its due for {$590.00}, the account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported inaccurate information for 3 years past the statue of limitations on ( 2 ) accounts. They have allowed XXXX XXXX XXXX to report inaccurate information and illegally try to park old debt onto my account. I have a letter from the original creditor, XXXX, that these two accounts were closed in XX/XX/XXXX and XX/XX/XXXX. They were then sold to numerous collection agencies. Both accounts were removed at one point, and XXXX XXXX XXXX bought these accounts and reported inaccurate information to get Equifax to report on my credit file once again. They have continually not investigated properly the age of the accounts, the dates of the accounts, nor any of the history of the accounts.

I will attach the letter from XXXX. Please remove both accounts from my credit profile. 
If I do not get a removal of both of these accounts, I will seek a consumer debt lawyer and file a lawsuit against Equifax for now knowingly reporting inaccurate information in my credit profile.
Product: Credit card or prepaid card

I set up an account with sleep number because the salesman who sold me the bed told me EVERYTHING i bought was at zero percent for two years. I got my first statement from Synchrony and everything showed 0 %, in XXXX they sent me another statement which suddenly reflected a XXXX purchase not at 0 % which doesn't even make sense because why wouldn't that have been on the XXXX statement? Regardless, this account was clearly sold as 0 % interest for all purchases at sleep number for two years. If you review the statements you can see no interest on any purchases and then you see in XXXX an arbitrary ( it doesn't even match a purchase amount ) moved to being charged interest. 

Synchrony refuses to fix this and continues to direct me to the store, the store gives me the run around and claims that they have no knowledge of why Synchrony would be referring me to them. Incredibly shady!
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Identify item ( XXXX ) resulting from XXXX that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ).

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this