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

Subject : Cease and Desist Communication and Formal Dispute of Debt under XXXX U.S.C. XXXX ( c ) and FCRA Dear XXXX, I am writing to formally dispute the validity of the debt that your agency claims I owe. I also hereby request that you cease any and all communication with me regarding this matter, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( c ). 

The details of the disputed debt are as follows : Creditor Name : XXXX XXXX XXXX Amount Claimed : {$270.00} Creditor Name : XXXX XXXX XXXX XXXX Amount Claimed : XXXX XXXX XXXX XXXX Claimed : {$580.00} Creditor Name : XXXX XXXX XXXX XXXX Amount Claimed : {$500.00} According to XXXX XXXX. XXXX ( c ), upon receiving a written notice from a consumer requesting that a debt collector cease further communication, the debt collector must cease all attempts to communicate with the consumer except to inform them that collection efforts are being terminated or to notify them of any specific legal actions being taken. This letter serves as my formal written notice to cease all further communication regarding this matter, whether by phone, mail, or any other means. 

Additionally, I am disputing the accuracy and validity of the debt you are attempting to collect. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( b ), you are obligated to conduct an investigation of any dispute that a consumer raises about the accuracy or completeness of information reported to credit bureaus. Therefore, I demand that you verify this debt and ensure that any inaccurate or unverifiable information is removed from my credit report immediately. 

Please provide me with written confirmation that you have received this cease and desist request and that you have either verified the debt or removed it from my credit report, in compliance with FCRA guidelines. Failure to comply with these federal laws XXXX result in legal action to enforce my rights. 

Thank you for your prompt attention to this matter. I expect your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPLAINT WITHOUT DOING A FULL INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Assuming that autopay was enabled, I did not initially notice when I missed a due date for a minimum payment of ~ {$35.00} ( on a total balance of ~ {$80.00} at the time ) in XX/XX/2020. I have most of my accounts ( including a different store credit card account through this same bank ) set to autopay, and had not realized that autopay was, for some reason, not an available option for this account at the time. 

The late payment notice was filed with the credit reporting agencies before any attempt was made to contact me to resolve the issue- when I was notified and contacted I immediately paid off the balance in full. 

I have attempted to work directly with the bank to get this mark removed from my credit report, but they have refused to make any adjustments.
Product: Mortgage

I was applying for a mortgage loan with Bank of America in XXXX XXXX Texas, the agent XXXX XXXX was on charge of the process since XX/XX/XXXX of this year when I was prequalified for the loan. 

I was in search of my new home, and I found one and got assigned the Loan XXXX on XX/XX/XXXX, I was following every single step with her and the realtor, I paid my earnest money and then an appraisal of {$670.00}. 

The closing day was originally on XX/XX/XXXX but got moved to XX/XX/XXXX because of covid 19, unfortunately due to a bad representation from part of Ms. XXXX the process didn't went through on and cancelled the process on XX/XX/XXXX, she was blaming on bad information from my employer, but honestly she knew the exact amount of money I was making since day one and could tell me since that day that I didn't qualify for down payment assistant. 

It was such a sour experience, my first time trying to buy a house and got a very disappointing experience. I have emails back and forward with her, In the last email I express my disappointment and requested the appraisal money back and never heard from this agent again, phone numbers send to voice mails and no one has responded about the matter. 

I submitted a complaint no. XXXX with XXXX XXXX relationship manager and supposedly going to get an answer by XX/XX/XXXX but so far no one has contacted me. 

I have call a lot of different phone numbers, got transfer many times, stayed in waiting in line for more than 45 min and I haven't got any help from Bank of America. 

Please healp me with this matter Sincerely XXXX XXXX XXXX
Product: Debt collection

Calling over XXXX times in XXXX week. 

XX/XX/year> called XXXX times as of XXXX XX/XX/year> called XXXX  times from number XXXX XX/XX/year> called XXXX time XX/XX/year> called XXXX time XX/XX/year> called XXXX time XX/XX/year> called XXXX times I have more dates and calls they have made. I have told them several times to stop calling and they were breaking a collection rule by calling so much
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was originally obtained in XX/XX/XXXX. The loan first became delinquent on XX/XX/XXXX. I obtained a copy of my Equifax report on XX/XX/XXXX to see what was on it. the account was reported as delinquent since XX/XX/XXXXas expected. The account was due to be removed from my credit report on XX/XX/XXXX and today on XX/XX/XXXX I once again checked my report and noticed that the creditor XXXX erased all of the previous reported missed payments from my report and re-reported the account as being delinquent only as of XX/XX/XXXX. I contacted equifax via telephone and the representative notified me that as of XX/XX/XXXX XXXX  reported that I was only 180 days late on the account. By my calculation a delinquency from XX/XX/XXXX does not equal 180 days late. The creditor is try to keep the account on my credit report longer that legally allowed by reporting fraudulent information to Equifax. I have disputed this account on 4 different occasions asking for proof of contract between myself and this agency without any luck in obtaining that information. My original creditor was not this agency that is currently trying to collect on this very old debt.
Product: Credit reporting or other personal consumer reports

LexisNexis is sharing incorrect information to several third party agencies. This company is provided information from a public records database without properly making sure the information they are sharing is mine. My father and I share the same first and last name but I identify on all legal documents by my full name to distinguish the XXXX. This company failed to properly research the correct person and had been sharing inaccurate information to companies and as a result it has caused me to be unable to find housing.
Product: Student loan

In  XXXX    XXXX   my loans were transferred to Fe d Loan Servicing. At t hat time, I was already approved for a revised pay as you earn for  XXXX  through  XXXX . Fed  Loan Servicing did n ot transfer over my paper work and placed me on a traditional repayment schedule. I have called them 5 times to resolve this issue and give them the correct paper work to show them I was already approved for  XXXX . I have also already made a payment for the  XXXX    XXXX   payment cycle, as a revised pay as you earn candidate.     Fed  Loan Servicing is no w telling me in order to remedy the situation my account will go delinquent for 90 days until they can get an override to make sure that my account goes back to revised pay as you earn and have that payment count towards the  XXXX    XXXX   payment.     My account ( and credit most importan tly ) should n ot be penalized for a mistake they made. Additionally, I already made the qualifying payment of  XXXX , therefore I should not be penalized against my PSLF program.     Fed loan has mishandled this situation, is negligent, has caused me severe emotional distress and this is my first, but not my last, recourse of action.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally raise a concern regarding inaccurate credit reporting by XXXX XXXX, which has been the subject of numerous disputes. Despite my repeated efforts to resolve this issue, the inaccurate information persists and continues to be verified incorrectly. 

Account Information : Account Name : XXXX XXXX  Account Number : XXXX Disputed Information : Reporting of account status as repossession with an incorrect balance The account in question is consistently reported with a balance that is incorrect. This account was covered by gap insurance, which should have resulted in a zero balance upon settlement. Instead, the account is being reported as a repossession with an outstanding monthly balance, which is both inaccurate and misleading. 

This is also reporting with a monthly payment due of {$530.00}, which is also inaccurate considering the vehicle is charged off. 

I have previously disputed this account through the credit bureaus, but each time, it has been verified as accurate despite the evidence and documentation provided. The continual reporting of this inaccurate information is detrimental to my credit profile and financial well-being. 

I urgently request that the CFPB intervene in this matter. I demand the immediate removal of this account from my credit reports due to the persistent inaccuracies and the misleading nature of the information being reported. 
I would appreciate your prompt assistance in resolving this issue and ensuring that my credit report reflects accurate information. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I would like the authorized user credit card Chase XXXX  XXXX with a {$5000.00} limit removed from my credit report. I do not want this reporting on my credit report because according to the FCRA I can block anything from my credit report. Please remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXXXXXX XXXX XXXX # XXXX, account XXXX XXXXXXXX # XXXX, account XXXX XXXXXXXX # 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
Product: Credit reporting or other personal consumer reports

I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation. It has been nearly 60 days and the company still hasn't responded.
Product: Mortgage

I filed a complaint in 2014 about this and you did not help. I lost my home bc they refused to modify while double tracking with surprise foreclosure. They did not give notice and charged me PMI when I paid 25 % down in cash. 

I WANT THE XXXX I AM WITHELD TO FOR WELLS FARGO ABUSES!!! They sent a check for XXXX!!! And LIED WANTING ME TO ACCEPT WO KNOWING WHAT IT WAS. 

XXXX DO YOUR JOB! They are trying to trick those they stole homes from with a small check sent with lying explanation!!! 

WELKS FARGO YOU LIED, TRICKED, COMMITTED FRAUD and STOLE REPLACE MY HOME! I LOST XXXX in EQUITY!!! 

THEY DID NOT PAY WHAT THEY RECEIVED HEYOND ARREARAGES EITHER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to CFPB Ref No : XXXX, AMEX sent a request to delete the hard inquiries, dated XX/XX/2020, XX/XX/2020, and XX/XX/2020 in which CRAs must take less than 90 days since XX/XX/2020 to update my records. At the moment of filling the claim, XX/XX/2020, XXXX   still reports falsify information about these hard inquiries.
Product: Credit reporting or other personal consumer reports

This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply
Product: Debt collection

I am writing to dispute the following information that your company supplied XXXX. I have circled the items I dispute on the attached copy of my credit report ( s ).

This item DEPT OF ED/AIDVANTAGE is inaccurate because the account belongs to someone else. I am requesting that XXXX have the item removed. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible. 
Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Product: Money transfer, virtual currency, or money service

XXXX : first sending XXXX dollars to XXXX XXXX : sec sending XXXX dollars to XXXX XXXX : the store l went to closed forever ( l contact them to ask refund cuz the person in XXXX didnt receive the money, and l found they put a wrong address of mine, they told me contact the customer service, l called, they told me to go to the main store at downtown XXXX , they not allowed to refund during the phone ) XXXX : first time go to the main store at XXXX ( they helped me change the correct refund address of mine and promised refunded in 20 days ) XXXX : the sec time go to main store at dtla ( they told me the refund is in progress, just slow, duringXXXX, l called countless times to their customer service, they all no answer at all ) XXXX : the third time go to main store at XXXX ( they still told me is in progress, and this time they couldnt contact them either through the phone, they can only email them to give us a call back, and until now l never received a call from them )
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION IN MY CREDIT REPORT. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Applying for the Citi / AAdvantage Executive Card I called to ask when the Annual Fee was due. I was told it was due at the 6 month mark. So, I applied and received the Citi / AAdvantage Card. On the first statement I received the annual fee of {$450.00}. I immediately called them to tell them of the problem but, all they offered was {$50.00} off the {$450.00}. I told them what I had been told earlier but, I just got a " stock answer ''. I paid off the card all but the {$450.00} annual fee and then closed it. They sent me a letter saying the card is closed but they will still be charging me the fee plus accruing interest each month as well as alerting the credit bureaus. 

I feel I was tricked into getting the card and now being bullied. How can they charge a fee for something they have not yet provided? What 's more, something I will never receive? With interest on top of that. And threaten to wreck my credit if I do n't pay up. XXXX. I 'm not paying for something I did not and will not receive.
Product: Debt collection

XXXX XXXX XXXX continues to report to all the credit reporting agencies a medical debt that I do not owe and have refused to validate the debt. They are collecting for some medical company for a period of time that I had XXXX  and that coverage was XXXX XXXX. I could not have had a medical bill during that time. I have told them this and they refused to investigate, validate and remove. I asked them simple questions like what was the date of service and who was the provider and they told me that they did not have the information but they are still reporting this on my credit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My mortgage was initially a fixed rate mortgage with XXXX. Then it was switched to M & T Bank. Somewherealong the line the fixed rate went to a ARM Mortgage. I never signed anything to switch from a fixed rate to an ARM. I think I have been a victim of fraud.
Product: Credit card or prepaid card

i just called discover and girl i talked to there just pulled my credit withput asking me
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification XXXX XXXX XXXX XXXX XXXX XXXX  payments late year XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to close on a house but it has been delayed because my lender is unable to generate my credit report from Experian because they have my name incorrectly in their system. I have called multiple times since XX/XX/2023 and every time Ive gotten a different answer, some saying that my report will be updated in XXXX business days to it will be corrected in XXXX hours and finally to just that now they cant access my account. My full legal name is XXXX XXXX and it has been since birth and the other XXXX bureaus XXXX and XXXX have my name correctly but Experian doesnt and will not correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card do not have a balance of {$230.00}, and XXXX/XXXX XXXX XXXX credit card do not have a balance of {$290.00}. Im disputing the inaccurate balance of both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by Wells Fargo bank that they would change this inquiry to a soft inquiry but they havent, because it is still showing on my credit report and it is affecting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I reviewed my credit report and noticed this collection reporting inaccurate information on my credit profile which is a violation of my consumer rights. XXXX XXXX XXXX is reporting XXXX  days late payment. 

How is this possible when I've never entered into a payment agreement or contractual agreement with them, furthermore, reporting the payment status as XXXX  days late when by default collections are past due. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete
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  # XXXX, Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account # XXXX Account name XXXX  XXXX # XXXX Account name XXXX XXXX # XXXX, has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I started the refinance process approximately 21 days ago. I have been constantly ask, and required to provide duplicate information, and asked to provide personal dependent information related to me having legal guardianship of my biological relative. Each time I've submitted required documentation, Pennymac discovers something new is needed ... .something that was never disclosed. For example, I started the process 21 days ago, today I was asked for the first time to provide information that my current loan is not in forebearance. I've spoken to multiple representatives, on multiple occasions ( I have phone records to validate ) in attempts to get clarity, and provide Pennymac with everything that is being asked of me. I've been told by at least one representative that they have received all required documents, only to find out later that something new is being requested. There hasn't been any transparency, or consistency with this process, which is really causing mental anguish, as I have diligently provided everything they have asked..
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REQUEST- XXXX is refusing to update my past due history stating that the information that they are reporting is correct. The company stated that they received a payment on XX/XX/2019 for XX/XX/2019 and XX/XX/2019 due dates. They are reporting past due history for XX/XX/2019. I would have only been 15 days late for XX/XX/2019 and not 30 days. Please update immediately before there is additional action taken. This negative and inaccurate information is negatively impacting my credit report.
Product: Credit card or prepaid card

I mailed a payment to Citi on XX/XX/XXXX for {$10000.00}. 

I have had 4 separate calls with Citi since they received my payment and cashed the check on XX/XX/XXXX, but the payment still hasn't applied to my account. 

It has been over 30 days since they received this payment. Every time I call I get the same answer, which is that the payment will post in a few business days.
Product: Bank account or service

My Scottrade account was hacked and Scottrade is refusing to honor their Online Security Guarantee. I would like to file an arbitration case against Scottrade but Scottrade will not provide me with instructions on how to file arbitration against Scottrade.