23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a natural person and a consumer. This is not a duplicate complaint. After WELLS FARGO AUTO received my Cease and Desist letter, stating that they cease all communication with XXXX XXXX and XXXX XXXX, WELLS FARGO sent me a letter of repossession warning, stating they are attempting to collect a debt which is is violation of 15 USC 1692c ( c ). This is also a form of communication and a violation of my privacy rights. I did not give WELLS FARGO written instructions with permission to share my personal information with anyone. I have made several attempts to obtain validation of this alleged debt pursuant to 15 U.S. Code 1692g. WELLS FARGO AUTO has made it clear that they will not be sending anymore documents required by federal law to validate the alleged debt. At this time, pursuant to 15 U.S. Code 1692g ( b ) of the FDCPA, I am requesting the name and address of the original creditor which WELLS FARGO AUTO MUST provide. WELLS FARGO AUTO has stated on the record that the FDCPA does not apply to them and that they have their own set of laws to comply with. WELLS FARGO AUTO has also stated on the record that they will continue to collect the alleged debt, and that the Cease and Desist only refers to communication. This is a violation of my consumer rights! By requesting the name and address of the original creditor, WELLS FARGO MUST cease all attempts to collect this alleged debt until they provide the name and address of the original creditor.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies on my credit report. Despite my continuous efforts to remove these discrepancies, my credit report remains tainted with inaccuracies that have a detrimental impact on my financial well-being. 

The inaccuracies I have been trying to address include ( but are not limited to ) : There are late payments incorrectly listed on my credit report, which do not accurately reflect my payment history. 

I have disputed accounts that do not belong to me, yet they continue to appear on my credit report. 

I have made numerous attempts to follow the procedures outlined by the Fair Credit Reporting Act ( FCRA ) to rectify these inaccuracies. In each dispute, I have provided clear and concise explanations, along with supporting evidence, to substantiate my claims. 

Regrettably, my efforts have not produced the desired results, and I continue to face the following problems : My previous dispute letters and supporting documents have received inadequate responses or have gone unanswered, leaving me uncertain about the status of my disputes. 

The delay in addressing these inaccuracies has resulted in financial hardships and lost opportunities for me. 

The presence of these inaccuracies is severely damaging my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the importance of accurate credit reporting for both creditors and consumers, and I am committed to working together with your bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and delay in resolving these disputes are causing me undue stress and financial difficulties. 

I kindly request that you conduct a thorough investigation into these inaccuracies and rectify them promptly. Furthermore, I would appreciate timely updates on the status of these disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts as proof of my earnest attempts to rectify these inaccuracies. I am asking for your immediate assistance to remove these fraudulent items in my credit report in 3 credit bureaus : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Reporting Dear Credit Bureaus, I am writing to formally dispute inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit reports, I identified a charge-off that contains incorrect information. 

The following account requires your immediate attention : XXXX Account # XXXX The information reported regarding this account is inaccurate, including the activities, dates reported, dates opened, account status, and amounts. This information needs to be deleted from my credit reports. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy in reporting. If this information can not be verified, it must be promptly deleted. 

Please provide me with all information your bureau used to verify these inaccuracies. Should you fail to comply with my request for deletion and can not produce METRO 2 compliant evidence, I will have no choice but to involve my legal team to file complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of North Carolina, along with pursuing any further legal action deemed necessary, including civil punitive damages. 

Upon completion of your investigation, please send me an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. 

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

My car was totaled and the insurance paid everything off but the deductible which was XXXX XXXX I first paid off XXXX XXXX which would leave me with a XXXX $ balance on the car loan. When I tried to pay the remaining XXXX $ they stated that I owed XXXX $ which was completely inaccurate. I escalated the issue and it took them approximately 2-3 months to resolve the issue. As soon as I was notified that the issue was resolved I paid off the remaining balance ( XXXX $ ). Shortly after they reported that I had late payments on the loan! I never had late payments! they had a technical error showing an inaccurate balance and they report me late? This is completely unacceptable
Product: Mortgage

I am on a bi weekly payment schedule, as such my payments are a month ahead. In addition every month I make an additional principle payment of {$500.00}, i do this under the Principle payment option. every month I have to call later, and have them properly credit the account, as they put the extra payment into " unapplied funds '' when I call they tell me they dont know why that happened and will fix it ( this takes about a week ) On the first of XXXX, i had a long conversation with a manager who assured me the issue was fixed. money was taken from my account on the second, they did not apply it until the XXXX, and once again out into " un applied funds ''. This happens so regularly I have to question that it is accidental each time. They sit on my money until I ave it corrected. I have spoken to several " escalation '' team members who assure me it has been fixed. It has not, nor do they respond to why my funds sit in their account for so long before they even post ( even though they post incorrectly to un applied funds ). I know more than the average customer as I am in this business. the response is always " escalated '' but never fixed. I have asked if i should just call it in and told i would be charged each time if I do that, why should I have to pay a fee because they cant figure out how to apply payments??
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I did not authorize the accounts outlined below, and they were opened or reported without my knowledge or consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be investigated and permanently removed from my credit file. 
XXXX Accounts : XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$8500.00}
Product: Credit reporting or other personal consumer reports

I have filed numerous complaints with Equifax regarding two accounts XXXX XXXX  and the XXXX account BOTH XXXX AND XXXX XXXX, to show as settled because that is exactly what took place. Ive sent them documents over and over and over again that prove that that has happened, and they just refuse to do it and on top of that I had a statement sent to my address asking me to verify my address. Why would you ask me to verify my address if youre sending a statement to my address and then on top of that you tell me that my complaints are frivolous which I look like an XXXX so CFPB, what are we gon na do about this because Equifax is following the same route as XXXX only finally updated the XXXX account but not XXXX. These guys need to be held accountable for not updating accounts correctly, which is affecting the consumer thats me. they have the worst customer service. You can never get anybody on the phone. They dont respond to see if people would complaints and if they do its way over the 30 day timeframe .I have no faith in these third-party credit report systems that just want to do whatever they wan na do and not have no obligation to the consumer like why do we have CFPB thats what I wan na know why Make sure they update this account correctly
Product: Credit reporting or other personal consumer reports

n 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, has violated my rights. 


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: Mortgage

I have been exploited financially by my mortgage lender, 5/3 Bank, by their predatory lending practices. I am and XXXX XXXX XXXX and was advised by 5/3 Bank to do a military financial hardship package because my residence was damaged during XXXX XXXX. My home was in a declared disaster area and a 5/3 Bank employee ( named XXXX ) encouraged me to do a forbearance plan in order to afford the repairs on my home from the hurricane. She told me that a forbearance plan would allow me skip 3 months of mortgage payment without penalty and would help me get through the devastating financial blow. I did as she suggested and skipped XXXX, XXXX and XXXX 's payments, resuming regular payments in XXXX 2017. I sent several follow up calls and emails to XXXX, but she stopped responding entirely after I had skipped the 3 months of payments. 5/3 Bank has used the skipped payments to justify foreclosure and has been sending documents and my mortgage payments to the SC home, despite knowing that I do not live there. They have illegally presented fake mortgage assistance and disaster relief options and have manipulated this situation to create justification for foreclosure. Additionally, they have used this false pretense to charge me late fees and are claiming I owe over {$10000.00} in missed payments because they have returned my mortgage checks to me. I have been preyed upon by 5/3 Bank because they know I am XXXX XXXX, divorced, supporting my XXXX year old daughter and XXXX mother and was relocated to a state that does not have physical 5/3 locations to dispute their illegal actions. I have also expressed to them that I am undergoing XXXX treatment and am unable to communicate during working hours because of this.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. XXXXm seeking Litigation. Please delete at once Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : 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 an account without my written instructions.

This account is a fraudulent account, Legal action will be taken against this company to solve this matter.
Product: Checking or savings account

On XX/XX/year>, I had opened up my first JPMorgan Chase checking 's account, It was a very great account, I loved the features Chase had offered, I had always pursued in being a customer of Chase with no intentions of being involved in no suspicious activity. I setup my direct deposit with my employer at the time, so I was getting regular income deposited into my Chase bank account weekly ( Friday ). On XX/XX/year>, I had gotten an ACH deposit of {$4400.00} from XXXX ( XXXX XXXX ) that I had earned from my website selling items. The next morning, before heading off to work, I wanted withdraw {$1000.00} from my local Chase ATM because my rent was due at the end of the month, when I attempted to withdraw the money, It said it could not perform a withdraw at this time and to try again at a later time. I got an email alert from Chase Fraud Dept, asking if me or someone I authorized to use my debit card to withdraw {$1000.00}, I responded to the email with the " Yes I recognize this '' option, I made another attempt to withdraw the money from the ATM and, I get the same error message. This time when I tried going on my app to login, it said my account had been locked due to suspicious activity and it instructed me to call XXXX. I called the number only to find out that they shut my account down due to suspicious activity and they won't give me an exact reason. I did nothing wrong, meanwhile there are people out there committing fraud every day, here I am plain innocent just trying to use their banking services. They wrongfully closed my account, and to this day I am still not happy. I would like this to be referred to the highest level of authority, I would like to open a brand new account with Chase and maybe withdrawing that much money at the time was probably too much to withdraw at the time being but I would still love to be a Chase customer.
Product: Checking or savings account

This is not about the transaction directly bank of america resolved all 23 disputes except 2 the first 2 of the 23 were closed out in error during a system maintenance back 2021. BofA will know that exact info as I don't have at the moment. I do have it. BofA alerted me of the problem and resubmitted the claim to be reopened. During covid nobody was looking at the claim n why it was closed n just denied re opening. BofA admits all this they admit those 2 claim are still being worked on 3 yrs long bofa admits they never refunded me the XXXX n XXXX the 2 claims total. They tell me just wait longer. However over the past 6 month I have got at least 12 letters saying interest n fees from these claims had been credited bk to my closed account n to call in to request a check but then I call n bofa says no there still working on it. I get money bk for fees that means I won the dispute u XXXX credit bk interest n fees for a valid debit bofa says just because there paying me interest on the money in dispute n the fees don't mean I won the dispute. I never get any money bk on good debits. Other then cash bk program for spending. Forget the fees n give me bk the {$10000.00} I offered just half I'd eat 50 % of it nope bofa likes I eat 100 % best
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Credit reporting agency regarding inquires and accounts opened in my name. I have attached a updated FTC report to support my dispute.
Product: Student loan

EOS CCA IS STILL MAKING phonecalls to my place of work after I told them not too - AGAIN and REPEATEDLY violating the FDCPA, you have done nothing and they STILL CONTINUE to BREAK THE LAW!!! STOP THEM FROM BREAKING THE LAW ANY MORE AND FINE THEM ACCORDING to the FDCPA. What good is this law if they dont follow it and you dont enforce it? Justice needs to be done. This is my third demand from you. I will always keep looking out for my rights - I highly suggest you do your jobs this time. EOS CCA NEEDS TO BE PUNISHED ACCORDING TO THE LAW. STOP CALLING MY PLACES OF EMPLOYMENT. I have documented proof they broke the law on XXXX occasions even with their incomplete records.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX XXXX XXXX
Product: Student loan

I've been making payments on my student loans for more than 5 years. Even though I've never missed a payment and I've only ever worked in public service, my loan servicer is crediting me with less than 2.5 years of qualifying payments towards public service loan forgiveness. The servicer, Pennsylvania Higher Education Assistance Agency, should give me credit for every monthly payment I've made since I've always been employed in qualifying employment while paying off my loans.
Product: Credit reporting or other personal consumer reports

This debt collector has not provided me proper debt validation for this allege debt. Please delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed the letter to EXPERIAN for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave EXPERIAN any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment
Product: Student loan

I have a past due loan through XXXX XXXX/Navient which is in collection with XXXX. I recently checked the Navient website and discovered that they have the original K-12 loan categorized as a Higher Education loan. I requested copies of the original loan documentation as well as the interest rate history. I received two copies of the loan documentation, but no interest rate history. The loan is a variable rate based on a published rate. 

I reached someone at XXXX on XXXX XXXX. After disputing the categorization of the loan and the interest rate history ( until verified ), I was told that XXXX has no information or control over either. A manager then came onto the phone ( I did not request a manager, XXXX XXXX XXXX and after " splaining '' to me that Navient is a regulated company and surely it could not have made a mistake or an intentional mistake with the interest rate, he said that in fact XXXX could provide the interest rate history but only with a letter accelerating the balance due. ( They would not provide the interest rate history if I wanted to avoid acceleration. ) This was a blatant threat : do not request the interest rate history or we will no longer accept partial payments. 

Notwithstanding contractual rights, which they could have exercised at any time, I consider it an unfair practice to refuse to respond to a legitimate request for information without threatening to exercise a contractual right that they have chosen not to exercise for quite some time. Probably because I 've been making payments roughly equivalent to accrued interest. But were they charging the correct interest rate? I guess they will have to prove that in court when they sue me. Any class action lawyers out there who have heard of similar complaints?