23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There was a old balance reporting on my credit report by Credence Resource Management in the amount of {$270.00}. It was not impacting my score, but I decided to pay it. I called to settle the amount, and was told I had to pay with the original creditor. This was done XX/XX/23 in full. Credence stated the process to remove this from my report takes XXXX weeks. I have made at least XXXX calls to the company any and have been shuffled around. Since paying the amount owed ut negatively impacted my credit score  by XXXX points. I have suffered a tremendous drop in my score and credit worthiness as a result of this company 's lethargic process and anemic efforts to remove this and help. Each individual I have spoken with have shown little to no effortor concern to remove this.I last spoke with the creditor and the collection agency on XX/XX/23. The creditor indicated the balance is a XXXX balance and that communications had been sent to the collection agency on XX/XX/23 to delete and remove the mark from my credit report. I spoke with XXXX XXXX, a XXXX of Credence Resource Management LLC on XX/XX/23 and on another occasion. Even though he did his best assist, he also informed me of other news. I was informed that EVEN THOUGH CREDENCE RESOURCE MANAGEMENT LLC, IS ABLE TO SEE THE BALANCE HAD BEEN PAID IN FULL AND IT NOW HAD A XXXX BALANCE, THEY WOULD NOT DELETE IT FROM MY CREDIT REPORT UNTIL THE CREDITOR PAID THEM OR IT WAS ( UPDATED ). I asked why must I continue to be held hostage while the creditor and collection agency resolve their business agreement. The creditor states there was nothing more for them to do. The debt collection company refuses to budge and remove the blemish on my credit report causing damage to me, my credit worthiness, and any potential job opportunities that review credit as a criteria for positions. I have suffered damage, and harm. The collection agency refuses to do their part and remove the negative mark from my credit report, evn though they admitted seeing it shows paid and with a XXXX balance. The collection agency has been uncooperative, unwilling to assist, and continue to report a debt that has been paid which is a direct violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance :  {$560.00}
Product: Credit card or prepaid card

RE my Bank of America, credit card ending in XXXX I pay all my bills with Auto Pay from my XXXX XXXX  account. Your billing department has mishandled the billing on my credit card. 

XX/XX/2022 statement : I Owed {$15000.00}. Bank of America withdrew {$32000.00} from my checking account causing me to have numerous overdrafts and fees not only from XXXX but also my creditors. 
XX/XX/2022 : My Bank of America credit card had a credit for {$16000.00}, however B of A took {$13000.00} from my checking account. I was now overdrawn {$30000.00}. 
XX/XX/2022 : Credit card balance - {$30000.00}. XX/XX/2022 B of A sent me a check for {$6900.00} for the amount Bank of America determined they owed me. I deposited the check into my XXXX XXXX account. 
Bank of America made electronic payments from my XXXX XXXX account on XX/XX/2022 for {$9000.00} and again on XX/XX/2022 for {$9000.00}. New balance on the credit card of XXXX. 
XX/XX/2022 the B of A sent me a check for the {$6900.00} that Bank of America determined that they owed me. I deposited the check into my XXXX XXXX account. 
On XX/XX/2022 I received notice from XXXX that the check from Bank of America was declined because Bank of America put a Stop Payment on the check. As a result, I now had more fees and bounced payments to my creditors. 
I talked to Bank of America on the phone on XX/XX/2022 and on XX/XX/2022 to reimburse me for bounced checks fees and a letter explaining that Bank of America deducted to much from my checking account. They refused to even give me the {$12.00} fee that XXXX charged me for their {$6900.00} check that they put a stop payment on. 
On XX/XX/2022 I went to the Bank of America in XXXX XXXX Bank to see if they could help me. The assistant manager was very sympathetic of my problem and called the Credit Card Customer service number for me. I talked to XXXX XXXX, customer service agent for Bank of America explaining that Bank of America took excessive payments of over {$30000.00} from my checking account. I need the letter to reestablish good credit with my creditors. XXXX XXXX told me it was my fault for having auto payment on my account. 
Bank of America did issue me a credit which they claim paid back the over-charges but I question if they still owe me money.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit report, as it contains erroneous and incomplete data that violate the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and removal of the following accounts : 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 XXXXXXXX )
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX / Account # : - XXXX XXXX  / Account # : - XXXX XXXX / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account # : - XXXX INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, SYNCB/AMAZON, on XXXX XXXX, 2020, XXXX and on XXXX XXXX, 2020, SYNCB/VERIZON add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Student loan

I spoke with a Mohela customer representative in XX/XX/2023 to inquire about why twelve payments were ineligible towards PSLF. He told me he can't do anything about it because they were identified as being in forbearance from the previous servicer. The Mohela representative said " it doesn't matter anyway '' and " to wait and see what happens this summer. '' He refused to address my questions or concerns about my account.
Product: Credit reporting or other personal consumer reports

Five fraudulent accounts, which I do not recognize and have not authorized, have been placed on my credit reports with the following credit reporting agencies : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are the result of fraudulent activity and I demand their immediate removal from my credit reports.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. XXXX XXXX XXXX XXXXXXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Mortgage

Truist took over servicing of mortgage at the beginning of XXXX and I could not register online and setup autopay after all documentation received said to go online to register. Required me to call in and wait for over an hour for them to help me setup online account and was told online setup was not possible without calling them. 
Submitted payments at the end of XXXX and it took several days for any of them to be reflected online with confirmations or in account history so I submitted a few times. 

Upon processing all of the payments, payments were not processed as payments of principal. So even if paid ahead, they are not reflected as such and apparently interest is just being held for fun in advance of being due rather than being applied to principal. Spoke with Truist today XX/XX/XXXX and they said they don't care and will not apply any additional payments toward principal unless I specifically tell them so even if no interest is accrued. So if I pay my mortgage early they will not reduce principal and hold the payment UNTIL it is DUE and only apply it based on the payment schedule so effectively a prepayment penalty. 

That has never occurred in any mortgage that I've ever held and absolute XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX at XXXX a.m. XXXX. I spoke with an attorney for XXXX XXXX from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their XXXX I paid the bill out of fear. 

Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( XXXX ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents XXXX XXXX referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If XXXX XXXX continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. This address is not associated with me and must be removed.

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX CA XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided.

Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I discovered  XXXX  (  XXXX  ) was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My creditor Chase has reported 1 late payment on both of my active credit cards with the company. I was told that I missed a payment in XX/XX/XXXX even though my credit report says both payments were missed in XX/XX/XXXX. I have sent letters to the company asking for forgiveness of the late/missed payment and I have called multiple times and have gotten rude responses and people who did not want to help. Both late payments were reported in XX/XX/XXXX. 

I also informed them that I was affected by XXXX XXXX, and they still reported the payments to the bureaus as late payments.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602a, it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, Experian, and XXXX being consumer reporting agencies, are obligated to uphold these standards. As a consumer, I assert my right to ensure that my private information is not shared, which is reinforced by 15 USC 6801. This statute emphasizes that financial institutions, including furnishers of information to credit agencies, have a continuous obligation to respect the privacy of their customers and safeguard their nonpublic personal information.

Section 15 USC 1681 section 604a ( 2 ) states that consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. However, neither XXXX, Experian, nor XXXX, nor the furnishers of information to credit agencies, have obtained my written consent to furnish my information. Therefore, any purported consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing consumers with an explanation of how they can exercise their nondisclosure option. However, I was never informed of my right to exercise this option by the furnishers of information to credit agencies.

Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization under subsection ( b ). The account in question is an adverse item being reported without my permission, which violates this provision.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX, Experian, and XXXX are thus failing to maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations of FCRA sections 1681c and 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I hereby exercise my right to opt out of XXXX, Experian, and XXXX 's reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I reviewed my credit report and discovered some unauthorized inquiries, I submitted a letter to Trans Union and XXXX and they have refused/ ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 2 previous written requests, as well as 3 prior complaint to CFPB ( XXXX, XXXX ) in regards to the continued violation of my consumer rights concerning Equifax and their reporting of my personal information. Equifax continues to illegally report unverified items lon my credit report in violation of Federal Law. Equifax stated in their responses to my 2 dispute letters that they have verified that the items listed are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. Equifax has ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. I have also attached evidence that Equifax is indeed not actually verifying any information contained in ther report when all they havedone is parroted information given to you by other third party sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 15 U.S.C 1681 ( a ). Equifax 's failure to delete the disputed accounts that they can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC XXXX Subject : Demand for Validation of Account with XXXX XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX XXXX ( Original Creditor : XXXX XXXX ) on my credit reports. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that I do not recognize this account. 

Details of the Dispute : Account Type : Collection Date Opened : XX/XX/year> Balance : {$900.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that is being reported against me ( 15 U.S.C. 1692g ). The FDCPA requires debt collectors to provide verification of the debt upon request. Since I do not recognize this account, I am requesting validation of this debt.

Additionally, the Fair Credit Reporting Act ( FCRA ) protects consumers by allowing them to dispute inaccurate or incomplete information on their credit reports ( 15 U.S.C. 1681i ). If the creditor can not validate this debt, I request that it be deleted from my credit reports.

Requested Actions I kindly request that you provide me with documentation verifying that this account is valid and that it belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies.

Please respond to me at the address above within 30 days, as required by the FDCPA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

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

Wells Fargo claims I owe an amount of {$7900.00} when in fact they sold the vehicle for much more and have already been paid for this vehicle. I would like to be provided validation or contract from this company. They have sold this debt to another company who are now getting paid as well. I would like this account moved permanently from my credit reports.
Product: Money transfer, virtual currency, or money service

I have a cash app account I just recieved my direct deposit on Tuesday and I was trying to send someone some money and its telling me that I dont have enough funds on my account but my account balance shows I have money there and I tried several times to see if it was going to work and it doesn't I even had someone send me XXXX and my amount went up XXXX but it's still saying I dont have the funds to send money.