23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Certainly! Below is a sample letter you can send to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate account information from Resurgent Receivables LLC. It cites both the Fair Credit Reporting Act ( FCRA ) and the 605b law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, D.C. XXXX Subject : Dispute of Inaccurate Account Information Resurgent Receivables LLC Dear Sir/Madam, I am writing to formally dispute an account listed on my credit report that I have no knowledge of and have never had any business dealings with. The account in question is reported under the name Resurgent Receivables LLC. I request that you investigate and remove this entry from my credit report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ) and Section 605B of the FCRA. 

Under Section 1681b of the FCRA, I am entitled to a fair and accurate credit report. I believe that this item is incorrect and appears to be fraudulent or a result of erroneous reporting. As per Section 605B, if any information on my credit report is found to be fraudulent, it must be blocked from my record. I have not entered into any agreement with Resurgent Receivables LLC, nor have I ever been notified of any such debt.

I respectfully request that you investigate this matter and ensure that the incorrect account is blocked and removed from my credit report as soon as possible. Please confirm in writing once this has been addressed. 

I am attaching a copy of my credit report highlighting the disputed account for your reference. Should you require any further information from me to assist with your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX ss number XXXX dob XX/XX/XXXX
Product: Credit card or prepaid card

First tech federal credit Union is reporting 2 charges totaling {$52.00}. We contacted them to report that was fraud and they said because we did not report within 60 days they can not remove the charge. I called in early XXXX and they said no balance remained and lied to me about the charges. I had them go back and listen to call and they are not acknowledging our conversation and did not record notes about our phone call. I believe they are hiding and trying to pass on the triad instead of closing the card. They are creating a moral hazard of my credit number being used without our permission.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to demand the immediate removal of fraudulent information from my credit report. The following accounts were fraudulently opened in my name without my authorization, and its presence on my report is damaging my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts are NOT mine. I have been a victim of identity theft, and I did not open these accounts. I demand that these fraudulent items be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 60 days ago I disputed an account with Transunion that was not originated/established by me. I am a victim of Identity theft and TransUnion has a certified copy of my police report on file that was also taken under oath. 

That said, Transunion sent me a new report .... not a full report stating the account with XXXX XXXX XXXX Account Number XXXX had been deleted. I trusted them and assumed the account was removed. However, I recently pulled my credit and discovered the account is still on my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash Ap ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I payed over the XXXX} i borrowed, i payed XXXX. I emailed the company XXXX and they gave me a generic answer about making different payments. I am having trouble paying my bills.
Product: Debt collection

This company is calling and harassing me and family member about this debt that I do owe and calling my kids number anyone that is attached to me. 

Amount XXXX-NCA Collections
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft, identity report number # XXXX ACCOUNT Informations : XXXX XXXX {$2400.00} XXXX XXXX {$790.00} XXXX {$1400.00} XXXX XXXXXXXX {$17000.00} XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a request to Navy Federal Credit Union, to reduce my interest rate to no more than 6 %, per the Service Member Civil Relief Act ( SCRA ). Early XXXX I received a response from Navy Federal Credit Union, and they denied my request because they do not think it applies to me. 

On XX/XX/XXXX, I discussed this matter with my legal office/counsel, and they agreed with me. They instructed me to submit a request through CFPB for resolution. If not solved, my legal office/counsel will process this case to the Department of Justice. 

Per the SCRA, 50 U.S.C. App. 501-597b1 as attached, I am eligible for this request because my loan/credit card debt have originated prior to the current period of XXXX military service. 

I got out of the XXXX XXXX on XX/XX/XXXX, and entered the XXXX XXXX on XX/XX/XXXX. The SCRA applies to me because there was a 12 days break in service. 

According to the SCRA, the term " period of military service '' means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. As such, the XXXX XXXX ( XXXX ) service and XXXX XXXX ( XXXX ) service are two ( 2 ) seperate period of military services. 

Any debt prior to the period of military service ( XXXX ), must be reduced to 6 % and anything paid more than that, shall be credited back. Even though debts were incurred during the XXXX  military service, it is still considered debts incurred prior to the current period of military service ( USAF ). 

Please read the attached SCRA law for more details, and please be advised again, that my counsel ( XXXX XXXX XXXX XXXX Legal Office ) agrees with this interpretation too. As stated, if not resolved, this case will be processed through the Department of Justice.
Product: Mortgage

I entered the forbearance program last year as random cutback and layoffs over covid were affecting my company of emplyment. Later in the year, they cut work force permanently. Loan Depot had approved my program and was very helpful with the process. In the beginning of this year, the servicing went to XXXX about the time I was coming out of the forbearance program. In XXXX, I requested to be remeoved from this program and to start making my normal payments again. I was informed that there was all this new paperwork to fill out to see if I was eligible for the forbearance program after a year of payments in arrear and I could no longer make payments except to certain agents. I filled out the paprwork and offered them a good faith payment to start out. I didnt hear from them again until XXXX, when XXXX XXXX told me they needed more information. I sent the information and attempted to make payment, which was refused by their agent. The next month, a new agent, XXXX XXXX, came in and said they just needed one more piece of information and all was approved to move forward, a statement that I wasnt working any extra income jobs. I provided this and gave her a payment with extra. She then emailed me that I would receive a form to sign and the amount to catch up my payment in the mail. The email also stated to ignore the coming bills demanding full balloon payment from loan depot as these were computer generated. I received one bill that had notarized court intent to forclose my home without full ballon paymenty and reached out since I had not heard from them since XXXX, over a month. I was put with a different person who then said all the paperwork needed to be completely resubmitted and start all over after 7 months of trying to get this situated and make payments, even though they intend to forclose in two weeks and have stalled me from action this long. upon my study, XXXX has been sued multiple times over 20 years for this action and taking houses to flip.
Product: Mortgage

I am contacting CFPB for the third time due to issues that I am having with SunTrust bank. My latest issues are as follows : First, I requested that SunTrust Cease and desist from sending persons to my home to invade my privacy and harass my family. In my complaint in XX/XX/XXXX ( complaint # XXXX ) I specifically asked SunTrust to contact me via e-mail, phone, US Mail, but not in-person. On XX/XX/XXXX, I submitted another complaint ( XXXX ) after an agent came to my home snooping and taking pictures through my blinds. The representative went ahead and placed a cease and desist for ALL COMMUNICATION on my account! In my feedback, I specifically stated I did not request a cease and desist to all communication, just in-person. However, I have not heard from SunTrust regarding a resolution to this issue. 

Second, In my last complaint ( XXXX ) I stated I was overcharged around {$1600.00} by SunTrust. The representative stated it was because I was also billed for XXXX on XXXX 's billing statement. This has NEVER happened before. However, I received XXXX 's statement and, as I suspected, the charge was not related to me being billed for XXXX XXXX see attached ). I should only have a total of {$12000.00} for the time I've been in the forbearance program. I am overcharged and SunTrust is trying to avoid an explanation for the additional charges. The rep 's reason for the additional charge was debunked by XXXX 's statement. I have not paid for 8 monthsXXXX = {$12.00}, XXXX and not {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Information in Credit Report DUE TO : ( 1 ) NO PURCHASES FROM AND ( 2 ) COMPANY OPENING AN ACCOUNT WITHOUT MY KNOWLEDGE. COMPANY NAME IS GINNYS. 

I am writing to dispute the information that is currently affecting my credit history. 

We have been scammed by a company whose name is Ginny 's. They are in XXXX WI XXXX. We have never heard of this company until this issue started. 

We started getting some mail from this company. We thought it was junk mail and threw it away. When I opened one of the mailings recently, it looked like a bill for a purchase they thought I made. The letter looked official and had an account number assigned to me.

Today when I was paying bills, I noticed my credit history had gone down. The company 's name that appeared on the list was Ginny 's and it says I have not paid. I saved some of the recent mailings. I am requesting that Ginnys wrongful credit report be removed AND that my previous credit rating be resumed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX 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 XXXXXXXX, XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hi my name is XXXX XXXX. I'm not sure what to do at this point as I've tried resolving this issue for over 6 months. I signed up for venmo and transferred {$1000.00} ..the first couple transfers I did went threw without a problem. I tried linking my friends debit card to my account because I lost mine and he was also a venmo user but when I did that they froze my account. I was told I needed to send them copies of my id, copies of my bank statements and even copies of all the people 's id 's and bank statements of every person I had either sent and received money from and there id 's as well. .i told them I wouldn't be able to do that and I sent the docks I could. They said that wasn't good enough and my funds would be frozen for 180 days ... i told tgem to close my account in the hopes they would then send my money back but that didn't work ... i received a " final statement '' and contacted the executive of esculatione ... he informed me my money would finally be released on XX/XX/XXXX ... .i tried contacting him about 7 more times and also sent about 30 emails to different departments asking how to get my money since I was unable to get into my account since it was closed ... .now there basically telling me that my case has been translated to a specialist and I would have to wait ... .i need my money ... I lost my last appartment already because of this and I don't want to lose another one ... .plesse help me I don't know what else to do! Thanks XXXX XXXX my user name in venmo is XXXX ... the email is under XXXX ... .thank you so much
Product: Credit reporting or other personal consumer reports

I was stunned this morning to find inaccurate accounts on my credit report. I check my report routinely, but this time there were unexpected discrepancies. I refreshed my browser, thinking it might be a malfunction, but the inaccurate accounts persisted. As a result, I am asking for a meticulous review of my submitted documents to prevent any future concerns.
Product: Debt collection

I am constantly receiving emails stating a owe a debt from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). There multiple loans taken out while XXXX XXXX XXXX XXXX XXXX XXXX, so I should not be owing anyone. I have sent multiple letters out to this debt collector to delete this debt from my credit report but I am not getting a response.
Product: Credit card

On XX/XX/year> I opened a Wyndham Rewards earner+ Visa credit card with issued by Barclays . During application process I specified my existing Wyndham Rewards member number in application.

I was approved and received the card. 

Upon receiving the card I learned that it doesn't have member number printed on it. Barclays online web page used to manage the account also states that I'm not enrolled in Rewards & Benefits. And there's no Wyndham member number associated with my credit card.

I have contacted Barclays multiple times about this. Initially their response was to wait 30 days. But when nothing happened after 30 days, their subsequent responses were to instead contact Wyndham. Contacting Wyndham did not resolve this issue as they are pointing fingers at Barclays.

My credit card statement has this disclaimer : " Please note, the total number of Points earned and sent to Wyndham is dependent on a valid member number. Please confirm you have a valid member number on file with Wyndham. If not, Points may not be viewable or available for use with Wyndham. '' With credit card statement all my points are zeroed out on Barclays end and since I don't have Wyndham member number linked they essentially disappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 Balance XXXX XXXX XXXX XXXX Balance 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XX/XX/year> To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 


You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Verification 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  Late Payments * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Actions I request that you : 1. Conduct an investigation into each disputed item in light of the debt bondage circumstances.

2. Remove or block** all negative information related to the above accounts and collections.

3. Provide a written response detailing the outcomes of your investigation within 30 days, as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of XXXX XXXXall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report to this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed : {$6400.00}
Product: Mortgage

My mortgage servicer was recently changed to Mr. Cooper. I did not choose this company. I was paying my mortgage on biweekly payment plan with my original loan servicer, when Mr. Cooper bought my mortgage. They promised everything would stay the same. They are demanding I pay upfront two months in advance my mortgage payments just so I can go back on Bi-weekly payments. I was paying them fine before, I am ot sure why I have to pay twice my monthly mortgage payments before I get back on this service I had with my previous servicer. I have called them 3 different times and I have been told different things, despite this. I have sent in the information requested to start the process, with no answer or confirmation they received my information. When I call to check in, then they tell me specific dates, but prior to my " application for biweekly payment '' no one stated any dates that had to be met. 

Customer service is atrocious, rude, no one seems to have the correct answer as I have been misled. I think it is egregious that I have to make 2 months payment in advance only to be able to get on bi-weekly payment " as a security measure '' ive been told. This is crazy. When I get put on hold, they wait, come check in pretend they cant hear me and continue to put me on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX