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

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

I had been officially a victim of Identity Theft fraud in a California  state. Please see attached documentations provided to me by the FTC, Local Police, FBI, US Department of Justice. I hope you will FINALLY respect and consider all these documentations from the law enforcement AGENCIES AT THIS POINT IN TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am sending a complaint today to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor items. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that you immediately remove this information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Sir/Madam, This complaint and request for help is in regard to a mortgage and HELOC both held by Suntrust Mortgage for a home we owned in XXXX when the housing market crashed. Realizing we could no longer sustain the financial requirements to keep the loan in good standing, we put the property up for sale. Two offers on the home were submitted and both were rejected by Suntrust. This took place in XXXX. In XXXX of that year we received a foreclosure notice from XXXX XXXX XXXX XXXX on behalf of Suntrust. 

Shortly after that we received a warrant in debt ( which was dated XX/XX/XXXX ) for the second on this property which had since been sold ( for an unknown amount ) and as a result, we now have a lien on our current home. 

In XX/XX/XXXX we received a payment form the XXXX Suntrust XXXX which was in compensation for their un-fair treatment and predatory lending practices ( believing this matter to be settled at that point ). 

Numerous attempts were made within the last 2 years to contact and negotiate with Suntrust. Their representatives could not confirm that a lien even existed. At one point we were left on hold for over 2 hrs. with no satisfaction. 

On XX/XX/XXXX we received a notice that Suntrust had initiated a garnishment proceeding against only one of the previous mortgage holders and in apparent violation of the statute of limitations regarding the collection of this type of debt. We believe we have been treated unfairly by Suntrust and hope to resolve this matter as quickly as possible. 

Please see the attached documentation, Thank you...
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXX/Equifax/XXXX refuses to remove me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX/Equifax/XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to FIX this damaging negatives from my profile. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}
Product: Credit card or prepaid card

XX/XX/2019. 
{$35.00} Victoria Secret Angel Card. 
I missed pay few hours on the due date because I have health issues, actually the last payment was a late fee charge.
Product: Debt collection

Dear LVNV Funding, I am writing in response to your verification of a debt associated with the last six digits of my Social Security number ( XXXX ). After reviewing the provided information, I do not recognize this debt, nor have I signed any agreement with your company regarding this obligation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I formally request that you provide the following documentation to validate this debt : 1. A copy of the original signed agreement or contract proving my obligation to this debt.

2. A complete payment and account history from the original creditor, including all statements and charges.

3. Proof of your legal right to collect If this debt was purchased or assigned, I request a chain of title, including all transfer and sale agreements, showing how and when you acquired the debt.

4. Verification of the amount owed, including a detailed breakdown of the original balance, any interest, fees, or other charges.

If you are unable to provide sufficient proof, I request that you immediately cease all collection efforts and remove any reporting of this debt from my credit profile. Failure to validate the debt within the required timeframe will be considered confirmation that this debt is invalid.

Please respond to this request in writing within 30 days of receiving this letter. I expect compliance in accordance with federal and state consumer protection laws.

This letter serves as formal notice that I dispute this debt in its entirety. I also request that all further communication be conducted in writing.
Product: Mortgage

Zombie 2nd Mortgage. 
Was with XXXX. Modified loans in XXXX. They increased the principal of the first and added unpaid interest to the back of the loan as a balloon payment. I understood that all debt, 1st & 2nd was in this modification. Now after 16 years of non payment on the 2nd Statebridge Company is attempting to collect or foreclose on my home. They attempted this in XXXX and I sent a QWR requesting all information. They continue to send bills and now again, in XXXX have sent a threatening letter of foreclosure if I don't pay by XX/XX/XXXX. I am preparing to send another QWR and request them to stop any foreclosure procedures. 
Loan was originated in XXXX. XXXX XXXX XXXX. Transferred dozens of times over the years. 
I thought this was finally settled when we did a modification with XXXX in XXXX. 

Please assist. 
Thank you,
Product: Credit card or prepaid card

I had a synchrony credit card and XXXX XXXX credit card where I made a XXXX $ minimum payment I recently have gone through financial hardship and have been late on making a few payments. I was struggling with making payments on student loans not understanding credit at the time.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

With bank of America XXXX not having any deadlines to pay us what they owe us I will be dead before I ever hear back this is unacceptable ..please fix this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted both XXXX XXXX and Experian regarding a debt that was reported inaccurately to my consumer file. I sent a certified letter to XXXX XXXX on XX/XX/2023, they recieved that letter XX/XX/2023 telling them that I was not even in the state during the reported time of medical debt, and asked them to verify. They were unable to verify the debt that belonged to me and it was removed from both XXXX as well as XXXX, and however, Experian responded to my dispute as they were able to verify this debt without any documentation supporting their decision. Please see all attached documentation that was sent to both consumer and Experian.
Product: Debt collection

I'm writing to express my appreciation to you for your efforts to have some of the false accounts on my credit report removed. But my gratitude is eclipsed by my intense anguish and despair over my identity theft dispute 's unresolved status. 

It is discouraging that not all of the accounts I am challenging have received attention, even though I appreciate the actions that have been performed. I'm left feeling unsettled and upset by this unfinished business, since it puts my mental and financial security at risk. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am aware of the complexity of these kinds of disagreements, but from my point of view, it is imperative to appreciate the seriousness of the circumstance. My credit report is being tarnished by these bogus accounts, which causes me more XXXX and worry with each passing day. 
I beg you to hurry up and see to it that every one of the aforementioned accounts is looked into in great detail and resolved as soon as possible. Your undivided attention and diligence are needed to see this situation through to a satisfying finish. 

I anticipate receiving a written response to this disagreement letter and a promise that my identity theft accusations will be swiftly resolved. I demand that your agency respond in a timely manner as required by law, and I won't stand for it I look forward to a swift and comprehensive resolution that finally puts an end to this ordeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently saw inaccurate information on my consumer file and I will need it deleted immediately. 
See attachment.
Product: Debt collection

It didnt give me the option on here for what the actual issue is. 

I asked TrueAccord to help me set up a payment plan without autopay.

Instead they set up a payment plan but didnt ask what worked for me and then made due dates that didnt work for me. I emailed asking them to help. Instead of contacting back they no longer have my accounts and I dont even know where they are who they are with.
Product: Mortgage

i tried for almost 2 years to modify my mortgage with this bank, if you look up XXXX-XXXX  right now that is the only former complaint i put through cfpb but there were several and the only company that helped me, well on XX/XX/2020 i got a call from the bank telling me they finALLY MODIFIED ME I SAID WOW THAT IS GREAT HOW MUch and it was XXXX i said that is higher than i use to pay so where did you modify me? they kept asking me, WHAT YOU DONT WANT IT, i said i did not say that but i have to see it first another problem is i am stuck in tennesee i came out here and my return flight was cancelled, they only gave me to XX/XX/XXXX to pay, i asked them since this corona i am not getting paid and they should extend it till XXXX, I JUST CANT SEE ALL THIS TIME THEY COULDNT MODIFY IT AND ALL OF A SUDDEN THEY CAN, i also asked what my interest rate was and was told I WOULD NOT BE TOLD THAT UNTIL I PAY THE 3 MONTHS TRIAL RUN THEN I WOULD BE TOLD, i said heck no that is not how it works, i should be told what i will be paying on, and finally, i have a feeling they canceled my homeowners on my home that i have had for over 14 years and if they did that is illegal also, they asked me to raise the dwelling amount which i did within 24 hours and sent it to them showing it was raised and i have proof of it being email to bank and also when they received it,
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report from Experian it has a negative mark for an insufficient number of accounts that are currently paid as agreed/Number of accounts currently being paid as agreed XXXX accounts. I have 6 accounts that are all being paid as agreed and on time as of XX/XX/2021 It is also showing there is no recent activity on credit cards and/or bank issued open-ended accounts however I make monthly payments on all the accounts how is there no activity? This is dated as of XX/XX/2021 There is also 1 collection showing on my credit report from XXXX XXXX for {$520.00} but it is paid 100 %. I wasnt aware of this account before I paid it off so it gives me 2 negative marks one for collection and one for late payments. I want this to be removed from my report. This is dated as of XX/XX/2021.
Product: Debt collection

I have recieved multiple calls from a company by the name of Portfolio Recovery Services. They are calling me harrasing me about a debt I have no recollection of as I have never done buisness with this companyy before. They call me from various numbers and when I ask them how they got my personal and work phone numbers they will not tell me and they hang up or talk over me. Latest numbers below .... 

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

My complaint is about paying off auto loans and credit cards. In XX/XX/2019 I paid off my XXXX financed auto loan in full. XXXX reported to Credit Reported Agencies as " account closed '' which lowered my credit score by 30 points. Consumers are being penalized for paying off debt. If my XXXX score went to XXXX for paying off auto loan, mortgage companies prefer XXXX. Penalized for paying off car loan. The CRA looks at account closed as though consumer closed account when they didn't. Rule should change regarding reporting paid off debt
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Experian credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Debt collection

I have disputed multiple times with XXXX concerning the collections account being reported on my consumer credit report from National Credit Systems INC. In lieu of the disputed information, XXXX willfully failed to conduct a reasonable investigation and their determination of the account being " accurate '' and updating unrelated information to my dispute, such as an invalidated " Account # XXXX *STATUS DATE *BALANCE DATE '' were intentional and negligent violating my FCRA right under section 609. On XX/XX/2022, I sent certified letters ( USPS ) requesting a written validation notice requesting the original contract with my signature for an account with National Credit Systems Inc. XXXX willfully failed to delete the disputed information as requested. 

Furthermore, National Credit Systems Inc. violated my FCRA rights by intentionally returning the certified USPS written validation notice request with no signed contract, forfeiting the accuracy and validity that the collection being reported on my consumer credit report is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

early warning tried to open account and I'm reported on there printed out form never heard back. called as well. you can not dispute online what a waste of time filling out and the company never responds sent 2 times. 
this company is a scam they have awful reviews. 
next step XXXX  and attorney general and post on social media.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ Credit Bureau Name ] for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Credit Bureau Name ] for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Amount : {$XXXX} XXXX previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never applied or been on there site this is surprising to see
Product: Payday loan, title loan, or personal loan

Lending Club misleads me and they apply payments to interest only and not to any principle. This has made it so I will always be late and therefore charges me more late fee 's. Although I ask them to apply my payments to the Principle and Interest they say that they are allowed to apply my payments to interest only if they choose. They offered me a deferral during covid for 2 months and now I will not be able to get caught up. They are a fraudulent company and their website shows misleading and little info to understand how to make a payment or pay off your loan.

When I talk to their reps on the phone they either say they cant do what I am asking or hang up on me.

They keep your loan information and statement to show little information that allows you to make sense of your current loan status.
Product: Credit card or prepaid card

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.