23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was trying to settle the debt/make a deal, and MidLand Credit Management refused to take the dispute issues, alerts off the report. They know this is for a purpose of a mortgage, and so this is therefore sabotage. I ca n't even settle the debt. They are n't going to remove anything, knowing that this needs to be done for purpose of buying a home. These are foreigners who hate my American guts, and will do anything they can to make my life miserable and difficult. in other words, they refused to be helpful in any way.
Product: Credit card

Acct # : XXXX Yesterday my credit report was pulled and it is showing Barclays Bank is reporting to Credit Reporting Agencies that I owe {$48000.00}. 
XXXX 2011 I was granted Discharge of Debtor under Chapter XXXX Bankruptcy and this debt was included and notices were sent out by my attorneys office. 
On the credit report it not only states that I owe this debt but it also states the Account was closed at consumers request and states as 'Profit & loss '. 
It should state 'In Bankruptcy ; Chapter XXXX ; Bankruptcy discharged ' with a XXXX Balance. 
Please correct this as soon as possible. This is an extreme negative report against me that should be showing as charged off. I 'm sure your company has written this off long ago. 
If needed/necessary I have all documentation to prove my position. 
My attorney is XXXX XXXX. You can call him at XXXX and he will answer all of your questions about my case. 
Or, you can contact me at XXXX and email XXXXXXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is constantly trying to show they are working in good faith as it relates to our case. XXXX  XXXX continues to show up. RIDICULOUS! 

I am uploading the last communication received which was XX/XX/XXXX. My spouse returned the call from a W/F Representative named XXXX on today XX/XX/XXXX. Her VM is full. 

In the attached documents you will find a schedule of payments W/F said we made. We NEVER had an initial Loan with XXXX. This was a part of a XXXX XXXX  coordinated by XXXX XXXX closing attorney who staged a fraudulent closing. 

It appears 2 loans were taken out in our name using our info and signature pasted. It was confirmed we did not receive a initial loan in XXXX, Again, how did Wells Fargo pop up. We financed furniture through them ONLY. We know our information was used to complete applications for a Home Mortgage. I have uploaded the information. 

In addition, we received a scheduled of payments we SUPPOSELY MADE TO W/F. We never the payments in the referenced attachment. 

This information was created by the submitted Fraudulent 1098 's we submitted to my Attorney XXXX XXXX XXXX who has sold us out OR MY WIFE 'S PREVIOUS XXXX TRUSTEE XXXX XXXX WHO STOLED ALL OF OUR ASSETS..HE DID NOT INVESTIGATE THE FRAUD, It appeared he sent the 1098 's to W/F and they created the Fraud Ledger. WE NEVER HAD A MORTGAGE WITH WELLS FARGO. WE NEVER HAD A MORTGAGE WITH ANY BANK. OUR MONEY., ID AND MORE WERE STOLEN! 

We know there are four additional persons of interest, We will not list the names for now.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I reported that I had some unauthorized and unrecognized inquiries on my consumer report. Fast forward 6 months later I have 4 or five credit cards that I never received or even applied for all of which are carrying a delinquent balance. And they are still reporting the inaccurate false and misleading fraudulent information on my credit report. And it needs to be deleted immediately. I and when I reported this to them last week I informed them that my personal information is XXXX XXXX My only residential address is XXXX XXXX XXXX XXXX CA XXXX My business addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX XXXX is the only address Im connected to. And ( XXXX ) XXXX personal ( XXXX ) XXXX business Are the only telephone numbers im connected to And they still havent gotten that right. 
And i asked them to remove all my employer information and my ss # and they still havent done that either
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments on XXXXXXXX XXXX XXXXXXXX Account Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXXXXXX XXXX XXXXXXXX account. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically, your records inaccurately report the following : 30-day late payment in XX/XX/XXXX. 
30-day late payment in XX/XX/XXXX. 
These inaccuracies directly conflict with my payment history, which reflects on-time payments for the periods in question. Additionally, remarks indicating, " Account has been closed due to inactivity, '' do not align with the account 's status as " Paid. '' Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting. 
Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report for this account. 
Written confirmation of the correction made to my credit file. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action. 
Attachments : To assist with your investigation, I have included : Copy of my Social Security Number. 
Copy of government-issued ID. 
Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I bank with Western Bank. I was told that if I wanted to get a credit card I would have to apply on their website NOT in person. 

When I logged on to their website and clicked on apply for credit card I was redirected to Elan Financial Services ( third party which issues cred cards for this bank ). 

On XX/XX/year> I chose the card ( out of all options available which best suited the purpose which was to transfer balance. I filled out and submitted application for a new credit card on XX/XX/scrub>XXXX XXXX XXXX In the application it clearly asked me for a balance amount I intended to transfer on to the new card. I stated {$10000.00}. 
After I had submitted my application, the card was approved with the potential balance transfer amount of {$600.00} NOT {$10000.00} as I requested. I immediately called Elan Financial Services. It took them 2 hours to transfer me to appropriate department. After I was transferred to the team member who process applications, i explained the situation and said that the whole purpose of me applying for this card was to transfer balance ( otherwise I dont need that card ). Elan financial ended up running a hard inquiry on my credit and assigning to me a product that I have not applied for. 

To remediate the problem, I requested for the balance amount to be increased as per my application which I had submitted. Request was denied and the agent said that they would have to run a hard inquiry again and further damage my credit score and basically treat it as a brand new application. 
To remediate further, I asked for my application to be reviewed by a human and take appropriate steps to resolve the problem which was created by an automated system that processes credit card applications. My request was denied again and I was told basically, that this is my problem and Eilan Financial cant help me. Automated decision has been made, even though the company processed my application and had made an error they were not going to redress it. I was told there is no way to appeal that decision and now I am stuck with a credit card I dont need ( since I cant transfer a balance ) and my credit score is damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my Experian credit report that are Fraudulent I need these accounts blocked under 15 U.S. Code 1681c2. I have disputed these accounts and I have not received a response or block on my credit report.
Product: Credit reporting or other personal consumer reports

To : Experian, XXXX, and XXXX Subject : Formal Request for Deletion of Unverifiable Accounts Based on XXXX Deletion To Whom It May Concern, I am writing to formally request the deletion of two unverifiable accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The accounts in question are : XXXX XXXX  - Charge-off for {$13000.00} XXXX XXXX  XXXX XXXX for {$39000.00} On XXXX XXXX, I disputed these accounts on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, both accounts were deleted from my report. Given this deletion, I am requesting that Experian, XXXX, and XXXX also remove these unverifiable debts from my credit file. 

Relevant Consumer Protections Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are obligated to investigate disputed information and delete or correct any unverifiable account within 30 days of the dispute.

Section 623 ( a ) ( 1 ) ( B ) : Furnishers of credit information must not continue to report inaccurate or unverifiable information. 

Since XXXX has removed these accounts, it is evident that they could not be verified. This establishes a precedent that the accounts are not valid and must be removed from my credit reports with all other credit reporting agencies. 

Legal Consequences for Noncompliance : If the investigation by Experian, XXXX, and XXXX fails to result in the deletion of these unverifiable accounts within 30 days, I reserve my rights under Sections 616 and 617 of the FCRA to pursue legal action against your agency for willful or negligent noncompliance. Noncompliance may result in statutory damages, court costs, and attorney fees. 

Furthermore, continuing to report unverifiable or inaccurate information after notice of its deletion by XXXX may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting inaccurate information. 

Request for Confirmation : I request written confirmation of the results of your investigation and a revised copy of my credit reports reflecting the deletion of these accounts within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. 

If you fail to resolve this matter promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and will not hesitate to pursue all available legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Hi I filed a fraudulent charges on my card my card on XX/XX/2023 but the the American express did not cancel the booking and I ended up getting charged. They denied my claim and charged me XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX and XXXX - XXXX XXXXl XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I discovered a violation under 15 U.S. Code 1681a ( f )
Product: Credit card or prepaid card

My issue is with my Blockfi credit card. On my card it states that this card is issued by XXXX  bank pursuant to a license from XXXX. XX/XX/2021 I was issued this card with the promise of 1.5 % cash back. I chose my cash back in XXXX. The credit card did not allow me to transfer my XXXX rewards off of their site stating " No external transfers ''. I have now been informed by the company that I can not access my credit card rewards.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Sat, XX/XX/year> at XXXXXXXX XXXX I am writing to dispute the validity of the debt collection attempts made by XXXXXXXX XXXX XXXX regarding the account, whichyouclaimot beowedbyme. Aspartofmydispute, IhaveaspecificInquiryregardingthehandlingofthiscollection account.

Could you please provide me with confirmation as to whether an attomey has reviewed this collection account? Specifically, Iwould like to know fi any legal professional has assessed the details of this debt, including its validity and the procedures followed by XXXX XXXX XXXX in attempting to collect it. 
Understanding whether an attorney has reviewed this collection account is crucial for ensuring compliance with all applicable laws and regulations governing debt collection practices. Therefore, Ikindly request that you provide me with this information at your earliest convenience. 
Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to dispute any inaccuracies or discrepancies related to it. I expect ful compliance with these laws ni al communications and actions taken by XXXXXXXX XXXX XXXX regarding this matter. 
Please be advised that l am keeping detailed records of al communication regarding this matter, including copies of this letter and any responses received. Ireserve the right ot take further legal action if necessary to protect my rights under the law
Product: Debt collection

XX/XX/2021 {$470.00} I DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus have been reporting an account with inaccuracies for a while and I have disputed it with all 3 at least twice before and they refuse to comply to the FCRA.

1. This account states it has been settled. Under the FCRA 15USC 1681 602A I have the right to privacy and under 15USC 1681 604A Sec2 You are not allowed to furnish an account without my written consent and instruction. 
XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account, you have not been given consent or instructions of how to correctly report this account. It is inaccurate such as the dates of activity reporting differently between you and the other bureaus. This account has multiple FCRA violations, delete it! 
I gave them no permission or instructions for this account which is inaccurate down to the different activity dates, dates of last payment, date of account starting etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Mortgage

I'm a veteran using a VA loan. I received a letter from the state of Maryland explaining that I'm taxed exempt as of XX/XX/2019. I started off with XXXX XXXX  and shorty after my loan was transferred to Freedom Mortgage. I provided the letter to Freedom Mortgage as soon as the letter was provided from Maryland. Freedom mortgage have not applied my tax exempt status. They are telling me that they don't know if the letter means partial or full exempt. From my experience exempt means exempt. This is causing a lot stress because I'm paying more for my mortgage than I'm supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX  DOB:XXXX  SOCIAL SECURITY: *XXXX
TRANSUNION CREDIT BUREAU
XXXX XXXX XXXX XXXX, PA XXXX  
PHONEXXXX XXXX  TODAY'S DATE: XXXX  REQUEST INVESTIGATION OF CREDIT INQUIRY ON MY BEHALF.
DEAR TRANSUNION REPRESENTATIVE,
         AFTER A RECENT REVIEW OF MY CREDIT PROFILE ON XXXX I NOTICED A HARD INQUIRY FROM XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  UT, XXXX  ON XXXX. THE INQUIRY IS UNAUTHORIZED, INACCURATE, AND/OR MADE IN ERROR.
THE FOLLOWING INQUIRY IS IMPERMISSABLE:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX  ON XXXX.
PLEASE REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. SHOULD THIS COMPANY CLAIMED TO HAVE PULLED MY CREDIT REPORT VALIDLY, THEN IT IS WITH MY LEGAL RIGHT TO ASK FOR VERIFICATION DETAILS:
1: THE NAME AND JOB TITLE OF THE INDIVIDUAL WHO PULLED MY CREDIT.
2. THE DATE THEY CLAIMED TO HAVE RECEIVED PERMISSION TO PULL MY CREDIT.
3. THE METHOD THEY CLAIMED THAT I AUTHORIZED THEM  TO PULL MY CREDIT.
PLEASE ALSO ATTACH DOCUMENTATION TO SUPPORT THE VERIFICATION OF THESE CLAIMS.
THANK YOU FOR YOUR PROMPT ASSISTANCE.
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have fallen victim to fraud and identity theft in my name, in which accounts have been open without my authorization, such as auto loans, bank accounts, as well as apartment rentals, have been obtained unknowingly in my name. This has caused much undue, financial strain and stress. Account : Achieve Personal Loans Account XXXX XXXX XXXX  {$15000.00} In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights. 
15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
I have requested information from creditor with signed affidavit due to identity theft and no known knowledge of account. This has caused much damage to credit report and needs to be deleted from all credit bureaus immediately.

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 in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer ; or modify that the item of information as appropriate, based based on results of the reinvestigation ; and promptly notify the furniture of the information information that the information has been modified or deleted from the file of the consumer. 
And according to this law, they are supposed to provide me a description of the investigation, according to 15 USC 1681i ( 7 ) description of reinvestigation procedure paragraph ( 6 ) ( B ) ( iii ) but not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.
Product: Credit reporting or other personal consumer reports

Victim of identity theft. Please remove all inaccurate information. Also please remove all inaccurate personal information. I have sent off multiple letters requesting this information be removed/deleted from my credit report and nothing has been done. I sent each letter off certified mail and I have receipts. The credit bureaus Experian, XXXX and XXXX all said that they received my documents but didn't remove the requested and inaccurate information from my credit report. Please delete.