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

To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/scrub> 2024 ) Case Number : XXXX ( Dismissed on XX/XX/scrub> 2024 ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within 24 hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX  XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On Thursday XX/XX/XXXX, I called Nelnet to end my XXXX forbearance early and to converge all my loan payments to XX/XX/XXXX as the first payment and subsequently every XXXX of the month. The agent I spoke to with the last name XXXX said I was approved for the SAVE plan and my payments should have been around {$820.00} a month and that she was submitting a form to begin my payments on XX/XX/XXXX. 

On Friday XX/XX/XXXX, my account reflected this information as my monthly payment and I set up auto-debit for ease of payment and a reduction in interest by 0.25 %. 

On Saturday XX/XX/XXXX, I received a message from Nelnet saying that I had a payment due on Monday XX/XX/XXXX for {$2700.00}. This was neither the right date or amount of money that was agreed upon. I had no way of contacting Nelnet because they do not provide weekend hours of assistance. 

On Sunday XX/XX/XXXX, I cancelled my auto-debit on my Nelnet account but knew they have a 3 day cancel policy so I was going to have to call and speak to somebody. 

On Monday XX/XX/XXXX, I called Nelnet at XXXX XXXX to cancel this auto-debit. They said that since it was not less than 3 days, there was nothing they could do and I needed to contact my bank. Agent XXXX XXXX said he would try to contact the processing center and also start to file a complaint for me but there was no guarantee that the money was not going to be auto-debited. 

Nelnet should not be trusted to do auto-debits since I agreed upon the SAVE amount and they charged me more than double that amount and they trapped me by only giving me 2 days notice on the weekend which is predatory and criminal.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit reporting act the creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) Is also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as a late payment. 

I have dispute this inaccuracy since XXXX. Please remove negative remarks from all credit bureaus.
Product: Mortgage

I have tried three separate times to work with the loss mitigation team with Carrington Mortgage group and applied for forbearance in which the company denied all request for loan modification even when I had agreed to a loan modification in three separate payments presented to me by the company. Now the company refuses to look over my application for loan modification once again and has placed my home in foreclosure and has not made it easy for me to get any answers with the foreclosure time frame to stop the foreclosure process and work out a deal with me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. 

This collection, by law, MUST be DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint not only for the third ( XXXX ) time against XXXX XXXX XXXX, but also against ALL THREE ( XXXX ) major Credit Reporting Agencies XXXX XXXX XXXX, and Experian for not only violating my rights as a consumer, and for also reporting false and inaccurate information on my consumer report. In accordance with the Fair Credit Reporting Act, EVERYTHING has to be 100 % accurate. After carefully reviewing my latest consumer report, I not only found several violations, but I also see that XXXX is continuing to report inaccurate information as well ALL XXXX major CRA 'S. This fraudulent activity is still in progress even after me sending XXXX a certified letter on XX/XX/2022 ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a complaint with the cfpb on XX/XX/2022 ( still no response ), another certified letter on XX/XX/2022 ( tracking # XXXX XXXX XXXX XXXX XXXX ). Attached labeled as Exhibit A, is a screenshot of this fraudulent reported account, reported closed on XX/XX/2022 on XXXX. Also attached labeled as Exhibit B is the final letter sent to XXXX on XX/XX/2022, informing them of how their company has violated my rights as a consumer deliberately, intentionally, and purposely and is willfully violating my rights as a consumer. Lastly, attached and labeled as Exhibit C, is a copy of this company and ALL three ( XXXX ) Credit Reporting Agencies reporting inaccurate information ( ALL HIGHLIGHTED ). How can any of this information be accurate with so many inconsistencies? The account type is inaccurate, The account detail is inaccurate, Date opened is inaccurate, Balance is inaccurate, No. of months is inaccurate, Past due is inaccurate, payment status is inaccurate, Last reporting date is inaccurate, comments are inaccurate, date last active is inaccurate, date of last payment is inaccurate, along with the entire XXXX ( XXXX ) year payment history also reporting inaccurate. Not only has my rights to privacy been violated, ( according to 15 usc 1681 section 602 A ), but also 15 usc 1681 section 604 A section 2, which states that a consumer reporting agency CAN NOT furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a credit consolidation and completed the program, all debts " paid as Agreed ''. The creditor is reporting that there is a balance of {$2800.00} and that it was " charged off/bad credit ''. That is incorrect, it's XXXX balance, " paid for less owed/settled ''. Please report to credit bureaus correctly, as it affects my credit rating/profile.
Product: Credit reporting

My wife and I recently sent the attached follow-up letter to Trans Union. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISPOSING file when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which is answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX XXXX : {$620.00}
Product: Credit card or prepaid card

i purchased the basic home doorbell video security system from XXXX  security XX/XX/XXXX i used my usbank reliacard which had my unemployment benefits. i received a call from XXXX saying i could save on a upgrade.i asked if there is sound and video. and not snips of pictures put together and she said yes. a free,XXXX security kit with professional monitoring x 1 with XXXX complete. {$110.00} cost i saved {$47.00} i paid {$76.00} order # XXXX it was no video or sound, i canceled with a email thinking it was cancelled and a year later XXXX charged me {$100.00XXXX XXXX said they would refund me {$100.00} but never did. i called prepiad dispute resolution XXXX XXXX XXXX XXXXXXXX fl XXXX the dispute department. claim # XXXX card id # XXXX.i told them what happened and they found no error. they mailed me two letters dated XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

company name is samper home I don't remember applying for a home loan XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency cant furnish a account without my written instructions USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Dear XXXX, On XX/XX/XXXX I submitted a request for investigation under FCRA 611 ( a ) to XXXX regarding the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as XXXX has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that XXXX delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. I am requesting that XXXX provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of XXXX. Please note that I intend to pursue legal action if this matter is not resolved. I would like to remind you of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that XXXX will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. Best regards, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XX/XX/year>, I emailed XXXX my Proof of Service letter and LES and XXXX LES requesting SCRA benefits. This was their first reply : After careful consideration, your request for coverage under the Servicemembers Civil Relief Act for the above referenced loan account, has been denied.

Coverage was denied for the following reason : You were called to XXXX XXXX or orders were received prior to accepting the terms of this loan and are therefore ineligible. 
If you feel that this decision was made in error, or if you have any other questions or concerns, please call us toll-free at XXXX. Our representatives are available Monday through Thursday from XXXX XXXX ET to XXXX XXXX ET, Friday XXXX XXXX ET to XXXX XXXX ET, and Saturday XXXX XXXX ET to XXXX. ET. 

On XXXX XX/XX/year>, I replied : Please see the attached as requested via XXXX. The attached LES verifies my home of residence as Ohio. 

Also, Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. 

The same day they replied : Thank you for contacting XXXX XXXX  and thank you for your service. 

We can review the orders or certified letter signed by your XXXX XXXX on their own merit, but it appears you became XXXX XXXX prior to opening your loan and would not be covered under the SCRA. 

As it pertains to the Ohio regulation, OH Rev. Stat 1343.031 Obligation, is a defined term. It means : any retail installment sales contract, other contract for the purchase of goods or services, or bond, bill, note, or other instrument of writing for the payment of money arising out of contract or other transaction for the purchase of goods or services. 

XXXX XXXX loans are not retail installment sales contracts, are not contracts for the purchase of goods or services, nor are they loans for the payment of money arising out of a contract for the purchase of goods or services. Thus, the law does not apply to XXXX XXXX, and eligibility criteria are standard regarding the application of SCRA in Ohio.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I have Fraudulent accounts on my report. Please remove these accounts from my credit report. they are hurting my ability to obtain credit.. 

The accounts as foolows XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$7300.00} XXXX XXXXXXXX XXXX  Reported : XXXX XXXX, XXXX {$7100.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$16000.00} CXXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$490.00} US DEPT OF EDUCATION XXXX Reported : XXXX XXXX, XXXX - {$690.00} In good standing
Product: Mortgage

Dear Sir/Madam : I have a mortgage on a 1 family house and XXXX is the investor, My mortage used to be serviced by Seterus but inXX/XX/XXXX it wa switched to Mr. Cooper Please review the following account XXXX. Mr Cooper has denied me a modification because I had a modification before due to unemployment. 

Mr Cooper denied the modification XX/XX/ I was behind 10 months due to unemeployment but last week I gave them {$7000.00} Today they refused to take another {$6000.00} from me that my wife cashed out of an retirement account Mr Cooper wants me to send them the a partial payment of {$12000.00} to bring the account within 90 days or the full amount {$17000.00} by XX/XX/ or else they wont take a payment from me I need to raise another {$6300.00} to XXXX XX/XX/XXXX will be 30 days from the day Mr Cooper denied me the modification After that they will send their lawyers a request to serve me with foreclosure documents I always have a hard time getting them to give me an accurate deadline to bring the account up to date One lady in the underwriting dept. told me that in some states they can send foreclosure papers to their lawyer and a sheriff can give me 24 hours to vacate the premises. 
She also said that if I want to keep the house at that time I would have to make full payment to bring the account up to date and I would be responsible for their lawyers fee. 

I am considering getting a mortgage lawyer to represent me because we want to keep the house and it is our primamry residence. 

I work as a temporary consultant because it has been hard to get a full-tme job and over the last 7 years I have been unemployed a couple of times. 

I am interviewing and should have a new job on XXXX XXXX in a couple of weeks but need your help to get on a payment plan where I can make bigger payments every month to bring the account up to date Can you help me? 



Thank you XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the accounts in my file that resulted from alleged identity theft but I have some accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed below. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Mortgage

I lost my home due to foreclosure issues dealing with Wells Fargo. I was supposed to be paying the house off to own it. My credit is horrible and I cant find my own place of residence because it still comes up on my credit. I am forced to live with others as I cant be on anyones lease nor take out my own.
Product: Checking or savings account

I was told to make a complaint and dispute on any unauthorized activity.
Product: Debt collection

I have been receiving harassing and repeated telephone calls from an Asset Recovery Associates. However, they are calling using a spoofed name. On caller id it shows as " FCR '' and the telephone number as XXXX XXXX XXXX XXXX. After conducting an internet search I found the number associated with an Asset Recovery Associates an alleged debt collection firm located in XXXX XXXX, IL. Despite repeated and harassing telephone calls and usage of spoofed caller id information I have yet to receive written communication regarding this alleged debt per the Fair Debt Collection Practices Act.
Product: Checking or savings account

I changed banks to Wells Fargo. The bank was closed XX/XX/21 due to a holiday. My payroll check was submitted through mobile banking. I spoke with a bank representative which advised the funds would be available today. I called as I later received an email which stated there was a hold placed on my payroll check. They will not return my check, stop the processing or release the hold. I had to cancel my online mortgage payments. Now I am looking at additional fees and late charges. I understand placing a hold but a payroll check can be verified and verification does not take that long. I have now spoken to 3 representatives which just reads the same script to me.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX Opened XX/XX/XXXX Balance XXXX Account # XXXX its a charged off account and it's showing open. ( I need this account off my credit report ) XXXX XXXX opened on XX/XX/XXXX for XXXX Account # XXXX It's showing account is paid off and closed. ( please remove this from my credit report ) XXXX XXXX opened ( XX/XX/XXXX Account # XXXX XXXX diffrent accounts showing the same time. One credit bureau is showing closed and the other paid ( please remove this from my credit report ) XXXX XX/XX/XXXX Opened the same time ( XX/XX/XXXX Account # XXXX Here is another false report on my credit please remove. One credit bureau is showing closed and the other paid XXXXXX/XX/XXXX ( XX/XX/XXXX Account # XXXX here is another false report on my credit report. please remove this item. 

XXXX XXXX opened XX/XX/XXXX XXXX Account XXXX Collection/Chargeoff account ( please remove from credit report. 

XXXX opened XX/XX/XXXX XXXX account closed ( please remove item from my credit report ) XXXX XXXX XX/XX/XXXX XXXX Collection/Chargeoff ( please remove this from my credit report ) XXXX Opened XX/XX/XXXX Amount {$7600.00} account closed ( please remove from my credit report )
Product: Credit reporting or other personal consumer reports

I am rewriting to formally dispute inaccuracies on my credit report to EXPERIAN that I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The FTC report numbers related to this complaint are XXXX, XXXX, XXXX, and XXXX. 

Upon reviewing my credit report, I have identified several entries that appear to be duplicative or otherwise incorrect. These entries have no supporting evidence of authorization or approval from me. I believe these entries may be fraudulent and do not reflect any transactions, accounts, or activities that I initiated.

Under the FCRA ( 15 U.S.C. 1681 ) and FACTA Title 1, Section 151, I am entitled to dispute inaccuracies and request that any unverified or incorrect information be removed. I request that you investigate these entries. If they can not be properly verified, they must be removed from my credit file as required by federal and state law. 

I expect a prompt REINVESTIGATION and resolution of this issue. Should the incorrect entries remain unresolved, I will pursue further legal action to protect my rights under the FCRA and FACTA.