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

I am writing to follow up on my initial dispute letter regarding the incorrect bankruptcy information on my credit report. I have not received a response from your department within the required 30-day period as stipulated by the Fair Credit Reporting Act ( FCRA ) 611. 
The inaccurate bankruptcy details are as follows : XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXXXX/XX/year> To date, I have not received any confirmation or results of your investigation. Please consider this letter a formal reminder and final notice to comply with my request. Should you fail to resolve this dispute promptly.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$6700.00} XXXX XXXX XXXXXXXX Balance Owed : {$47000.00} XXXX XXXXXXXX Balance Owed : {$35.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I have the other part of this collection already in the process. I have several issues. First off I had no clue I even had these collections until I seen them on my credit I didnt have anytime to dispute before it went on my credit. I still havent heard from them nothing and its been on my credit for a few months. I immediately disputed it. But came back verified. On top of that I noticed an error on the report and disputed the error through XXXX first and asked for it be deleted since information had to be accurate. On my credit report it says account was closed XX/XX/year>. I thought thats was grounds alone. After reporting it to XXXX they just corrected the error and said it was verified.i currently have disputed it with the other two agencies and forwarded the credit report with the two errors on each of them. Wrong dates by over 50 years and each collection says closed and open accounts. It cant be both. Its open or closed.
Product: Debt or credit management

Garnishment and unfair practices midland funding llc. Statute of limitations has run out. Last court date they filed was XX/XX/XXXX and I got papers for Garnishment today XX/XX/XXXX. It said a credit card was only a limit of XXXX.
Product: Credit reporting or other personal consumer reports

US Bank {$3500.00} Date reported : XX/XX/23 In accordance with the fair credit reporting act this creditor US Bank has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my writing instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank issued me a SECURED CREDIT CARD back in XX/XX/XXXX. It has taken until XX/XX/XXXX to receive a response letter from them telling me that the CREDIT CARD IS NOW UNSECURED. However, EXPERIAN CREDIT BUREAU is NOT reporting this credit card on my report. 
I have been back and forth with BOTH companies. They claim ( EXPERIAN ) that I have to go back to XXXX XXXX Bank. So I did, they called there back office. Which said, that we are reporting it. I looked on the report and filed a dispute with EXPERIAN and they sent me right back to XXXX XXXX Bank. 
Now its XXXX and I want this agency to investigate it the fullest extent of the law. Thank you all for your efforts!
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with the documents that they have on file that were used to verify the accounts I disputed. Being that 30 days have passed and they can not verify or validate these accounts, under Section 611 ( 5 ) ( A ) of FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX  Account number XXXX OPENED XXXX XXXX XXXXXXXXXXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT NUMEBER XXXX ... OPENED XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. I have also filed a complaint with the CFPB Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN # XXXX DATE OF BIRTH XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp and Block Inc. due to an adequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, CashApp 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 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

I have tried to delete all erroneous files on credit and they do not comply. All credits on report are outdated old and have mis information. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to get approved for a loan to buy a house my credit was checked and I was denied based on several delinquent accounts that are my student loans. The report said my accounts were currently in delinquency when they are not. My government loans have been put on hold due to the Covid-19 pandemic and I have actually continued to make payments on them. I have no credit cards that have any money on them due to them being paid off. Student loans are my only debt I pay on and they are not delinquent. I was made aware of an issue that many are having with their credit taking a hit due to student loans being hit with delinquency due to the government hold on them. This " delinquency '' effected my ability to get approved and is frustrating when it was inaccurately reported. So I'm just looking into the issue.
Product: Debt collection

XX/XX/XXXX- We ( My ex-roommate and I ) received a mail from Sequiim Asset Solutions LLC that we owe XXXX XXXX to XXXX XXXX  and to resolve it by XX/XX/XXXX. 

XX/XX/XXXX - We disputed the debt asking for proof of debt. 

XX/XX/XXXX - Sequiim Asset Solutions LLC replied to us providing documents that we owed rent for the month of XX/XX/XXXX. 

XX/XX/XXXX - We mail back to Sequiim disputing the debt with proof that we moved out of the apartment on XX/XX/XXXX. 
Proof attached in the mail : 1. We also provide proof of Lease transfer to the new residents of the apartment signed by all of us.

2. Also, attached was a mail thread from XX/XX/XXXX where I had mailed XXXX that their online portal indicated that we owed them rent for XXXX and XX/XX/XXXX. They had responded in the Email thread in XX/XX/XXXX that they would fix this mistake. 
3. I also attached proof that I had ended electricity meter with XXXX XXXX  for the month of XXXX on XX/XX/XXXX. 
4. Also there is a mail thread with XXXX XXXX  with date where we had talked about moving out in XXXX and providing the lease transfer document to them. 

They did not communicate with us over email or mail thereafter about the rent.

The apartment is coming after us with a fake document that says we moved out in XX/XX/XXXX when we actually moved out in XX/XX/XXXX. The apartment also mentions in the document provided through debt collection that our deposit of XXXX XXXX was never returned ( which we never questioned them when we left ). However, in their own document they do not try to deduct this XXXX XXXX towards the alleged payment we owe them of XXXX .

I have called them multiple times and they did not offer to drop the debt and they do not reply to my emails. Please help us out
Product: Credit reporting or other personal consumer reports

I have reported Portfolio Recovery to the FTC, XXXX XXXX  and the 3 credit Bureaus for fraud. They represented themselves as XXXX XXXX when they are in fact not XXXX XXXX. 

Also, the balance listed as owed varies between the 3 credit bureaus. XXXX and XXXX has a balance as {$300.00} whereas XXXX has a balance of {$300.00} listed on my report. None of the amounts are valid and I need them removed from all 3 credit Bureaus effective immediately. 

When I spoke to a representative at Portfolio Recovery to inquire about the debt and ask for proof the response I received was " the debt is yours if we say it's yours ''. It has been months without proof of debt and I refuse to have any further contact with this company as they are now exhibiting bully-like behavior and are proving it on my credit report.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted repeatedly to have XXXX XXXX XXXX report my mortgage payments to the credit bureaus by filing disputes. My mortgage is current and the payments have been timely the past 6 months, however, they are not showing the account as open, but closed and have not reported any payments whatsoever. This is crucial to my ability to improve my credit score which is also detrimental to acquiring work, credit and refinancing to name a few. I simply want them to report my payments to the three main credit bureaus : XXXX, XXXX and Equifax so that they have a record of my payments and show my account as open not closed.
Product: Credit card

Dear Wells Fargo Customer Service, I am writing to formally express my deep disappointment in Wells Fargos handling of my credit account, which has directly contributed to my {$45000.00} financial loss as a victim of an employment scam. Despite clear red flags and unusual account activity, Wells Fargo failed to identify or prevent fraudulent transactions, allowing this scam to escalate. 

Background of the Issue : I was targeted by scammers posing as legitimate employers, leading me to unknowingly accumulate {$85000.00} in credit card debt as part of their scheme. 
During this period, Wells Fargo initially set my available credit balance to zero, seemingly recognizing the suspicious activity.

However, shortly after, my credit limit was reinstated and increased to {$18000.00}, which allowed me to believe the bank account the employment scammers provided was legit and then I felt safe to continue making purchases that, in hindsight, were part of the scam.

Instead of preventing further financial harm, Wells Fargos actions enabled these fraudulent transactions, worsening my financial crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters sent out to rectify issues on my report 60 days ago having in no results for multiple accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently reviewing my Equifax Credit Report and I would like to have my new address and telephone number added to my credit report. 
Below is the address and telephone number that I would like to have added to my Equifax Credit Report : Address : XXXX XXXX XXXX XXXX, XXXX, NY. XXXX Telephone Number : ( XXXX ) XXXX
Product: Mortgage

I began processing my application for a Reverse Mortgage with Longbridge Financial in XX/XX/2021. Because my condo development had not yet gotten the FHA approval, I filled in 5 pages for FHA and in XXXX, their underwriter accepted my home for " single unit FHA approval. '' However, in XXXX, after my loan package was complete, the agent ( XXXX XXXX XXXX ) advised me the underwriter rejected it, saying " FHA/HUD will not finance on a condo if there is any late payment in previous 60 days. '' -- unlike SFRs, for which they make an exception! 
I asked about FHA but the Longbridge underwriter did not talk to them. She just had to reject my loan based on this highly unfair rule. 

1. A reverse mortgage does not require repayment, so why would payment history be important? Why are condo owners any different from SFRs? It's all payments! 
2. Their risk is limited by the loan-to-value ratio anyway. My condo comps at XXXX and I only owe XXXX. 
3. I am single, nearly XXXX and extra income ruined by COVID. I'd never been late before or since the couple months I had trouble paying the total mortgage amount. 
4 It was good I bought the condo, but if I can't do a reverse mortgage, I will be living in serious poverty while sitting on/in over {$130000.00} in equity! How is that possible? 
5. Someone in FHA policy-making/enforcing must have a heart enough to see how terribly unfair their rule is considering what I have said. I need to be an exception ( COVID hardship ) or the rule needs to change -- or both!
Product: Mortgage

I have contacted Chase multiple times beginning XX/XX/2016 to obtain clarification regarding my loan modification as to why a balloon payment is on my mortgage. I was advised it was a result of lowering my monthly payments to make them affordable. However, if Chase restructured the loan then why are the terms not favorable for me as a borrower. Chase provided me with a principal reduction but it appears this principal reduction will be cancelled out by the hefty balloon payment " principal deferment ''. How is this deemed making home affordable? This deferred principal was not structured into the modification which is now positioned as a lien on my home. How is this legal? Once Chase reviewed my loan and saw that payments were consistently being made why didn't they revise the loan. Now Chase has sold my loan to XXXX XXXX XXXX.
Product: Bank account or service

I have been getting charged insufficient fees from M & T Bank. WHen I call their customer service number, they tell me if I go into the negative, and bring it o a positive by the end of the next business day, that I will not get charged an insufficient fee. I have gotten XXXX fees in the art 2 months, and would like them credited back to my account. I did file a compliant with the bank itself, and a Manager called me, but, she said she could n't do anything about the call center calls, that someone else would have to handle that. I do n't agree with the fact that their customer service reps say one thing, then you call and ask if you can have the fees credited, and then they argue with you non-stop about it!!! Please help me in getting this rectified, as I would like to continue banking with this bank! Sincerely, A Very Dissatisfied Customer!!!
Product: Student loan

I need copies of my Master Promissory Notes for XXXX Direct Federal Subsidized Consolidation Loan and XXXX Direct Federal Unsubsidized Consolidation Loan. In have a right as a borrower to this document as it is the borrowers contract that governs all terms of repayment. Federal Student Aid and EdFinancial are playing games telling me the other agency has these documents. Each time I was on the chat or on the phone with either agency, I was given different information. EdFinancial told first they would submit a research request to locate my MPNs and that would take them XXXX days, plus another XXXX  days to get my documents to them if they were located. I got it escalated by XXXX supervisor who said it was now an emergency request and it would take XXXX business days and they would email the document when it was found. Another rep later told me it would be XXXX days to find it, and another XXXX to mail it because they are not allowed to email MPNs. Federal Student Aid told me to call my school ( these are not associated with a school as I consolidated AFTER I graduated ). Another FSA rep told me to speak to XXXX who never serviced any of my loans. Why are my MPNs not accessible? These are legally binding contracts that I have a right to view at any time. It is concerning to me that someone needs to find them. My servicer EdFinancial told me that any MPN should he available on studentaid.gov but these consolidation loan MPNs are not in my documents. Federal Student Aid told me that servicers have all the Consolidation loan MPNs and my servicer could not locate them in their records. It should not take all day to get consistent, correct information. It should not take all day to get a copy of a document I am legally entitled to view. This is a violation of my rights as a borrower. I want the MPNs because you can not trust FSA or servicers to know accurate information as evidenced by this whole issue.
Product: Bank account or service

I went to the Bank of America on XXXX/XXXX/2017 to deposit my refund check into my personal checking and was informed that the check would be placed on hold for different dates, first date given was XXXX/XXXX/2017 and released at XXXX, the other date was for XXXX/XXXX/2017 at XXXX. And I was certain to have the fund for {$200.00} released on XXXX/XXXX/2017. I saw the funds for the {$200.00} today and then it was returned to the bank. They instructed this was certain to be released and no additional problems with the hold on the check. I had a choice to decide whether I would like to deposit the check or go somewhere else. But I was told the correct information then I would have went to another location or another place to cash my check. I did state it was important that I receive those funds by that date.
Product: Debt collection

On XX/XX/2021, I received a notification from XXXX indicating a debt collection company placed a debt against your credit account. I filed a dispute with XXXX and informed them this is not my debt. I later realized the debt has caused my credit score to decline do to the recent debt. The collection amount is {$690.00}, but I hadn't receive a bill disclosing the details about the debt, but I was able to obtain the phone and address of the collection company. 

On XX/XX/2021, I sent a letter to the debt collection company informing them they had the wrong person and I didn't receive a letter from them, but I found out through the collection company about more details of the debt. 

On XX/XX/2021, I called the debt collection company to inquire about the debt. I informed them they had the wrong person, but they were not willing to remove the debt from all of the credit reporting agencies. I stated several times they had the wrong person, so I requested to speak to a Manager. The Manager didn't want to listen to me even after I stated several time they had the wrong person. The representative stated several times, she wasn't willing to remove the debt, but I stated again, this is not my debt.