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

Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX
Product: Debt collection

Certainly, heres the updated cease-and-desist letter incorporating XXXX Credit Managements address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EMAIL ( XXXX ) CELL : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX CREDITOR XXXX { XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX SC XXXX } XXXX XXXX XXXX { XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Cease and Desist Notice Regarding Unauthorized Reporting of Account Information Dear XXXX XXXX Department and XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally demand that both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX immediately cease and desist from reporting inaccurate and damaging information related to my credit file, specifically regarding an account with XXXX XXXX XXXX XXXX which is being incorrectly reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, both entities are obligated to ensure the accuracy and confidentiality of consumer information. Specifically, your reporting of this account includes inaccurate payment information and derogatory remarks that have not been properly validated. The specific account in question is listed under XXXX XXXX XXXX , with remarks indicating the account is 180 days past due. I dispute this information and demand that both XXXX and XXXX XXXX XXXX conduct an immediate investigation and remove this inaccurate entry from my credit report. In compliance with the FCRA, you are required to : 1. Ensure the accuracy of the information being reported. 2. Refrain from reporting unverifiable or inaccurate information. 3. Provide prompt corrections or deletions of disputed entries. Failure to comply with these requirements violates my rights under the FCRA and could result in legal action. I expect a written response confirming that this disputed entry has been removed from my credit report within 30 days. If you fail to comply, I reserve the right to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing damages as permitted under federal law. Thank you for your immediate attention to this matter. I want all this erased from my credit repot whith a conformation letter sent to my address showing an acknowledging its complete Georgia Drivers License Number : [ XXXX ] Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX* on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit card

When I arrived in XXXX in XX/XX/XXXX, in order to build a credit history, I opened a prepaid credit card with XXXX bank for an amount XXXX {$.00} In XX/XX/XXXX Orchard bank card was taken over by Capital One and they started charging an annual fees, which I did not realize at that time. Since I had other credit cards by now, I was not using the Capital One ( previously XXXX Bank card ). Then I got a phone call from Capital One saying that I had a pending balance, I was surprised since I had not used the card in many months. When I called the Capital One, their representative checked the data base and told me that there was no due balance and that the call must have been a mistake. Then after some days I was informed by XXXX of the credit monitoring companies that my credit score had changed due to a negative comment. When I dug deeper I found that Capital One had posted a late comment. I contacted the Capital One and the new representative this time informed me that I owed XXXX {$.00} which was basically the annual fees. When I told her about my recent conversation with XXXX of the other representatives, and the fact that she had denied any pending dues that time. This new representative apologized for the mistake and assured me that the negative comment would be removed. But nothing has been done so far, and it continues to affect my credit score. I am finding it difficult to get good terms for home mortgage.
Product: Debt collection

To Whom It May Concern, This letter constitutes a demand for immediate action regarding the unlawful conduct of Credit Control LLC, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX. Failure to comply with these demands will result in significant repercussions. 

1. Violation of 15 U.S. Code 1692c ( c ) : On XX/XX/XXXX, Credit Control LLC violated 15 U.S. Code 1692c ( c ) by failing to cease communication as required. According to the privacy notice accompanying their correspondence, they operate under the XXXX Companies umbrella. XXXX XXXX XXXX XXXX and XXXX XXXX, in a signed and dated document from XX/XX/XXXX, committed to comply with my demands. This documentation will be submitted in the portal and is under the original complaint number XXXX. 

2. Violation of 15 U.S. Code 1692e : Credit Control LLC, XXXX XXXX XXXX XXXX, and XXXX XXXX are in clear violation of 15 U.S. Code 1692e. They are misrepresenting themselves as distinct entities when, in fact, they are part of the same corporate group. I demand full disclosure of which entity is attempting to collect on this alleged debt.

3. Violation of 15 U.S. Code 1692g : Credit Control LLC has failed to provide a valid validation letter as mandated by 15 U.S. Code 1692g. I hereby demand that Credit Control LLC issue a compliant validation letter regarding this alleged debt immediately. 

Immediate and Non-Negotiable Demands : Immediate Account Closure : Credit Control LLC, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX must close this alleged account within their records without delay. 

Cease All Collection Activities : All collection activities related to this alleged debt must cease immediately.

Refrain from Reporting : These entities must not report any information related to this alleged debt to credit agencies. 

Let me be unequivocally clear : If these demands are not met promptly, I will engage legal counsel and initiate all necessary actions under U.S. Code 1692k to address these violations. I am prepared to take this matter to the fullest extent of the law and will not tolerate any further harassment or deceptive practices.

You are hereby warned : Failure to comply will result in immediate legal consequences, and I will pursue all available remedies to the fullest extent. Others may be scared of you but I am not. I will fight you to the ends of the earth.

Pound sand.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXXXXXX XXXX on my credit report. The late payments in question were marked on the following account ( s ) on the respective date ( s ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX XXXX  provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ).

Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Experian, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfers

Hi, I noticed that Paypal is engaging in a deceptive practice and I wanted to bring it to your attention. If you make a payment on a retailers website, for example -- I purchased a television on XXXX, the money is withdrawn from whatever credit card or debit card you have connected to your Paypal account. 

However, if and when the merchant refunds you, for example, you return a television to XXXX paypal does NOT refund you, it keeps the money within its own system and says that you have a " positive '' paypal balance. Why are they holding on to my money? Paypal is not a consumer bank! I have no idea how to get Paypal to give me my money back, they should not be holding on to it. It 's deceptive and unfair.
Product: Checking or savings account

I received an email from navy federal credit union indicating that an ach transfer confirmation was complete. I called the credit union and confirmed that an account was open but not by me. I was transferred to the fraud department where I opened a claim.
Product: Credit card or prepaid card

Contacted Comenity Bank numerous times regarding a mycash master card application. Was constantly transferred from department to department, dealt with rude reps and poor customer service. I spoke to management who was also unable to provide any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

HP Sears is reporting incorrect information on my credit repot. 
-Payment status is incorrect on XXXX XXXXLast reported date is incorrect with XXXX -date of last payment is incomplete t with all XXXX credit bureaus -Two year payment history is incomplete
Product: Debt collection

Complaint # XXXX XXXX XXXX sends out a monetary demand to company and employee 's there of Caine and Weiner for FRAUD and Fradulently reporting to the XXXX credit bureau 's causing XXXX XXXX 's credit to decrease by XXXX points. This Fraud cost and harmed XXXX XXXX causing a XXXX which hindered the purchase of business equipment. Due to pain and suffering XXXX XXXX request {$1.00} XXXX dollars of true currency backed by gold and/or by way of bitcoin. Due to this error. Please acquire through CFPB banking information as to where your company or bonds/insurances may present payment. 

Thank you in advance, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX and XX/XX/year> I have written Equifax, XXXX and XXXX about late payments they are reporting on XXXX  XXXX account. I believe it is in violation of FCRA 15 USC 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact ed Wells Fargo  Card Services, Credit Bureau  Disputes Division , via phone #  XXXX  and fax #  XXXX  to report that an account I voluntarily closed in  XXXX  had been deleted from my files with the CRAs. I am attaching copies of my letters and other documents provided t o WF. Sinc e the loan was not in a derogatory status when we paid it off, I expected the record to continue reporting until  XXXX . On contacting the CRAs, I was told th at Wells Fargo instr ucted them to delete the record. I conclude that WF mistakenly instructed the CRAs to delete the credit item after I asked the bank to remove only an invalid remark on my credit reports stating this loan was in dispute.   Prior to the improper deletion, this account positively impacted my credit scores because of its age and positive payment history, and its deletion helped to lower my credit scores. My wife and I opened the join t LOC i n  XXXX   XXXX  ; it was always paid on time, and the account was in a positive status when we voluntarily closed the account around  XXXX   XXXX .   For ov er 6 week s in  XXXX  and  XXXX  I worked tirelessly wi th Wells    Fargo to attempt to get the item back on my credit reports. I made multiple phone calls and also wrote to the bank providing an old   credit report that showed a truncated loan number.  XXXX   XXXX   XXXX , a  Wells Fargo employee at the banks credit card executive office calle d me around  XXXX   XXXX  to state that I must provide a " complete loan number as their records for this account were no longer available .... and without a complete loan number she could not assist me any further .... '' For reference, the rep provided a case number,  XXXX , for my use in making future inquiries on this matter.   I can not locate the old statements for this loan and I am puzzled and frustrated as to how the history of my loan with the bank can be unavailable after just a year of the account being closed. Furthermore, the historical record for this loan is still reporting accurately on my spouse 's credit report.   It is my opinion that WF does not appreciate the importance of this matter to me and is not doing as much as it can. Please assist me in getting a prompt resolution to this matter. I am working diligently to rebuild my credit history and removal of this long-standing and positive credit record has had significant negative impact. If I should contact the FTC instead, please let me know. Thank you kindly!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a HELOC with Pentagon Federal Credit Union ( PenFed ) that matured. I was making regular payments well above the minimum payment amount up to that point ( and continued to make payments in the same amount after the loan matured ). I didn't realize the entire balance of the loan was due until I called PenFed on XX/XX/XXXX after being charged a late payment fee on XX/XX/XXXX. 

While speaking to " Ms. XXXX '' ( she refused to provide her first name ) from the Mortgage Department at PenFed on XX/XX/XXXX, I told her that while I could drain my savings to pay off the balance, I preferred not to do that if there was another option that would not result in adverse actions against me. Ms. XXXX told me that if I refinanced the loan through PenFed, no adverse actions, including negative reports against my credit, would be taken against me while the new loan was being processed. Based on that information, I began the application process for that new HELOC at that time. 

While my new HELOC was being processed, my wife and I continued to receive delinquent notices for the old HELOC. I called PenFed 's Mortgage Department after receiving the first of those notices and, again, spoke with Ms. XXXX, who told me those notices were sent from an automated system that could not be turned off. Ms. XXXX reassured me that no negative reports would be made against my credit. 

My new HELOC was approved and funded at the end of XX/XX/XXXX. I, recently, discovered PenFed reported 30, 60, and 90-day delinquencies on my and my wife 's credit for the old HELOC. I called PenFed today and was told they would not reverse the negative reports because they were based on " accurate information. '' I was told this by the initial representative with whom I spoke and his supervisor, XXXX ( ID # XXXX ). I informed XXXX that my decision to refinance the loan was based on a bad faith negotiation on their part ( lying to me about not taking adverse action if I refinanced with them XXXX, but she would not budge from her position. 

I asked to speak with someone above XXXX, and she advised she would have a manager contact me. I am still waiting for a manager to contact me, but I have little confidence that PenFed will do the right thing since they clearly lied to me in the first place ( Ms. XXXX also said she would put a request in the system to reverse the late payment fee and those fees, typically, would be reversed upon closing the new loan, but PenFed has since told me that was incorrect information and they refused to reverse that fee ). Basically, they told me two lies that led to my decision to refinance with them, and now they refuse to make any corrections.
Product: Credit reporting or other personal consumer reports

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

Account Name 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
Product: Credit card or prepaid card

Early in XXXX I was unemployed. After finding a new job with a XX/XX/XXXX start date, Covid unexpectedly caused a nationwide quarantine and significantly delayed my start date by several months. Having to remain on unemployment for 5 months caused a financial impact which required me to work with Bank of America and various credit card companies to reduce my monthly payments. I made all payments on time and In XX/XX/XXXX the reduced financial agreement had ended. Unfortunately, I was unaware of the new payment model and did not pay the correct payment. Having the late payment on my credit report is causing a negative mark and request a 1-time removal of the late payment.
Product: Credit reporting or other personal consumer reports

I just see a lot of inquiries on my credit report 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
Product: Debt collection

There is a collection appearing on my report stating I owe on a XXXX XXXX collection which is not true. I have a current account with them. I have disputed with nothing received and never been contacted about this. This is inaccurate and untrue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Experian Failed Investigate & DELETE Inquiries After I Stated That I Did Not Authorize. ATTACHED ARE LETTER THAT WAS MAILED TO XXXX AND EXPERIAN
Product: Debt collection

Please see attached letter and fill it out entirely and have your correspondence attached as your response. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX XXXX  ACCOUNT # XXXX RE : Validation Required XXXX  XXXX, XXXX Re : Account # XXXX To Whom It XXXX Concern, EXPERIAN, XXXX, XXXX I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state OHIO. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I am in total disagreement with your investigation response. Inaccurate information still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX XXXX please attachments, thanks