23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists, It is my understanding that you will investigate these items for me to ensure accuracy. 


SYNCB/MTRSFM XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX
Product: Consumer Loan

I was given an auto loan through Santander Financial XX/XX/XXXX for a little over XXXX. Payments of XXXX monthly. As of today XX/XX/XXXX I am still showing a balance of over XXXX dollars. Never missed a payment. They representative stated that any late payments are added to the interest of the loan at XXXX for each day late. Even if this were the case I would 've had to accrue over 365 days late to reflect the current balance which is impossible since I 've only had the car a little over a year. Then I was told my loan total was XXXX which is a complete lie and if it were true that means I would 've paid XXXX dollars within the last year which is also false information according to the records
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX and reporting inaccurate information. they are also displaying the wrong fees and interest. The account does not reflect payment and they are violations of fcra and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

i file complaints with trans union XXXX and XXXX and after the investigation XXXX and XXXX deleted the derogatory companies but trans union still has not deleted from my credit report which is really hindering my credit score. i also file a coplaint with the CFPB and trans union still hasnt removed those accounts. please look into this matter for i am at a lost and dont know what else i can do
Product: Credit reporting or other personal consumer reports

On my XXXX credit report it is still showing 5 late payments within the last 30 days and 5 late payments within the last 60 days. These late payments were coming from Child support which has been Submitted to the CFPB on XX/XX/year>. They removed my Child support from my credit report but its still showing these 5 late payments for 30 and 60 days. Please remove them because these are not correct. Please see my complaint submitted on XX/XX/year> which has now been closed for more information XXXX are showing also showing the same late payments ( 7 late in last 30 days and 7 in last 60 days ) all due to the incorrect child support information. Please remove all of these as well. 

XXXX are showing also showing the same late payments ( 7 late in last 30 days and 7 in last 60 days ) all due to the incorrect child support information. Please remove all of these as well.

Equifax are showing also showing the same late payments ( 6 late in last 30 days and 6 in last 60 days ) all due to the incorrect child support information. Please remove all of these as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint for TransUnion. 
I have asked them to verify the method of verification for the bankruptcy listed on my report to no avail. I have being dealing with this same issue since XX/XX/2021. I keep receiving generic letters and/or they stating that it is verified as accurate. This was not a dispute but in fact a method of verification which under FCRA 611 ( a ) ( 7 ) Im entitled to. It has been way over 15 days from the initial requests and all TransUnion is doing is treating it as a dispute with no validity to their claims. Plus I also have written them letters to correct my personal information which hasnt happened either. My name is not XXXX XXXX XXXX XXXX they refuse to correct their error on my name as well.
Product: Checking or savings account

Navy federal  account was closed in 2023 and claims I owed. The account was sent to collections and I am unable to locate any of the statements attached to the account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Ameris Bank XXXX XXXX XXXX, FL - Not accurately or correctly in a timely manner posting transactions or pending transactions. Sometimes to the point of causing undue or derelict account balances when debit card has not been used for days or weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This is in response to the letter I received from your company in XX/XX/2023. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. The agreement bearing my signature stating that I have agreed to assume the debt. A complete and correct social security number that may help identify me as the party you are collecting from. A copy of the government issued Identification presented to incur this debt. Valid copies of the debt agreement stating the amount of the debt and interest charges. Proof that the Statute of Limitations has not expired. Complete payment history on this account along with an accounting of all additional charges being assessed. Show me that you are licensed to collect in my state ; and Your license numbers and XXXX XXXX. A purchase agreement or assignment from the original creditor to your company. Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Not only is this debt being reported inaccurately but it is being reported as an open collection with XXXX while it reports as a closed collection with the other bureaus. Also my XXXX report shows no collections but has this account listed under revolving accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services has been incorrectly reporting my account to credit reporting agencies for 3 years despite several attempts & disputes to have the information corrected. My car loan/installment account was paid in full & closed in XXXX XXXX the vehicle was totaled in an accident, car insurance & gap coverage paid  the debt completely XXXX. Wells Fargo continues to show the account as open & having an outstanding balance of {$16000.00} with both XXXX XXXX  XXXX. After filing my first dispute, in XX/XX/XXXX, Wells Fargo corrected the balance only on my XXXX report to show there was {$0.00} remaining on the loan but never corrected the account status to paid in full/closed. To date, they are still reporting to XXXX that the account is open & has a balance of {$16000.00}. I have sent at least 6 letters disputing the discrepancy & Wells Fargo refuses to correct the information. This is having a big impact on my credit/FICO score bc not only is it showing I have an outstanding debt, its affecting my debt-to-income ratio. I dont know what else to do to have this corrected, its been years & Ive tried everything.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside XXXX XXXX identity theft fraud laws.

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX law underscores the importance of protecting consumers from identity theft and unauthorized access to personal information. 

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and showing a clear disregard for federal and local laws. 

I demand, with the utmost certainty, that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and local laws. 

Done in good faith, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I have disputed several inaccurate items on my TransUnion, XXXX XXXX XXXX credit report, which appear under the names XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX, as well as specific inquiries from XXXX XXXX. Under the Fair Credit Reporting Actparticularly 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) ( A ) I have requested that they provide a valid contract or agreement bearing my signature to verify these accounts. If the data furnishers fail to provide this evidence within 30 days, these items must be removed. I request the CFPBs assistance in ensuring compliance with the law and the timely removal of any items that can not be properly verified. 

Thank you for your time and attention to this matter.
Product: Mortgage

In 2015, I retained California attorney XXXX XXXX who filed a lawsuit against Ocwen Loan Servicing. During pending litigation Ocwen Loan Servicing attorney XXXX XXXX presented a increased loan modification offer that I never applied for increasing the bogus principal balance to {$660000.00} with 2 % interest rate and a shady settlement releasing Ocwen from any liability. I declined the offer then dismissed the lawsuit without prejudice because of all the harassment and threats which was causing me uncontrollable XXXX attacks XXXX XXXX and more health troubles which my doctors will tell the Jury. I filed a Consumer Financial Protection Bureau complaint against Ocwen Loan Servicing. I am wonder if XXXX XXXX will respond to this consumer complaint and either confirm or deny ever sending an email to XXXX XXXX responding to my consumer complaint threatening that if XXXX XXXX files another Consumer Financial Protection Bureau complaint against Ocwen Loan Servicing that all settlement discussion are off the table. Please confirm or deny ever sending this email.
Product: Debt collection

This company is repeatedly and harassingly calling employers, family, friends and anyone who may have ever met me at all hours regarding an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER REQUESTED OR AUTHORIZED A FRAUD ALERT ON MY CREDIT REPORT BY EQUIFAX OR ANY OF THE OTHER REPORTING AGENCIES.

please remove all FRAUD ALERTS.

THANK YOU!
Product: Mortgage

i have submitted a complaint once already about shell point mortgage and they responded by sending me a letter saying they received the complaint and were sorry, they said they were looking into the matter and would send me an update on my file asap. I still have not received anything they still wo n't return my phone calls and my home is going to sheriffs sale on XXXX/XXXX/2016 I finally got an e-mail from them last night at XXXX saying that my case was under review and to call with any questions I tried calling anyone I talked to could n't help me they had to transfer me to a specialist who is never there and never returns phone calls now I am down to the last min to get something done and I ca n't do a dam thing because they refuse to do there jobs. ( so much for keeping my home )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my EQUIFAX, XXXX, and XXXX  credit report ( s ). I have identified fraudulent inquiries and fraudulent accounts. Please block all of the accounts listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XXXX with balance {$3000.00} XXXX XXXX XXXX with balance {$110.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. The accounts are fraudulent, unverifiable, and violate my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

BARCLAYS BANK DELAWARE XXXX XXXX and XX/XX/2020 I was late due to COVID. I was laid off and had no income. I have since cleared this up and paid the balance off. Can they extend a curiosity and please remove the two 30 days late to current? 
Thank You XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used XXXX through my mobile bank app with Bank of America to transfer money to another Bank of America customer in the amount of {$500.00} because it claims it is a secure way to send money. The transfer had the first name of the person I was sending it to and the message stated car payment. I noticed a couple of hours later, that same day that the phone number I inputted was incorrect. I immediately contacted my Bank to get this transaction reversed and the representative I spoke to said to call the following day because no one in the transfer department was there. I called the next morning onXX/XX/XXXX again and another representative from Bank of America told me that due to the holiday (XX/XX/XXXX ) I now had to wait until Tuesday XX/XX/ to make a claim. Tuesday I called Bank of America again and they stated that the transaction can not be cancelled or reversed since it was already processed but they will do an investigation that could take up to 14 days. No correspondence was sent regarding this matter so I went to my local branch in XXXX, CA to inquire about my claim. The person there said they can not look up any information regarding mobile transfers and just gave me a phone number to call. On XX/XX/ I received a letter from Bank of America 's Dispute Resolution Department stating they had completed their investigation and their records indicate that they initiated the transfer in accordance with my instructions and my account will not be credited. On XX/XX/ another letter was sent to me from Bank of America stating to contact the party directly for further assistance. I called Bank of America again and they notified me that the money was sent to a XXXX XXXX customer and they refused to authorize the money to be returned to my account. I inquired about the name of the person who the money was sent to and they said they could not give me that information but said if I want to pursue further I can file a police report. I filed a police report and contacted Bank of America again with the police report number but they refuse to resolve this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one student loan account it is in good standing I talk to Navient On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment account
Product: Debt collection

An old debt with an electric company was paid off in XXXXXXXX XXXX, the total amount to pay provided by XXXX XXXX XXXX XXXX when refinancing my home. The amount was incorrect, leaving a XXXX balance. I was NEVER notified of this remaining amount. All the while it was being reported to the credit bureaus as delinquent for XXXX  months. I just happened to notice when checking my credit report. Not only has my credit score dropped nearly 100 points, I have been denied for credit cards and loans. I filed a complaint with the XXXX  and the company response was the amount was " under the threshold '' of reporting to the consumer but they were reporting to the credit bureaus? Makes no sense. The companys suggested resolution was to remove the item from my credit report which is not sufficient. Compensation for my time and loss of being able to obtain a loan/credit cards with a reasonable interest rate is warranted. As well as the company retro actively report to the credit bureaus for the last XXXX  months.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XX/XX/XXXX XXXX XXXX  XXXX {$620.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$900.00} XX/XX/XXXX
Product: Debt collection

Phoenix Financial Services LLC sent me a debt notification letter stating I had until XX/XX/XXXX to dispute or request validation. They received my request on XX/XX/XXXX and proceeded to flag the debt as a collection with XXXX on XX/XX/XXXX advising them it was an account opened on XX/XX/XXXX. I believe this to be deceptive practice and a FDCPA violation. Furthermore they did not report it as a medical account owed from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obiligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestagation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.