23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

On XX/XX/XXXX I received a phone call from XXXX XXXX with XXXX XXXX stating that I had student loan debt in collections in their office. I attempted to make a payment arrangement of {$100.00} a month with the company however they were asking for a good faith payment of 15 % of the balance of {$15000.00} which I did not have and I explained to Ms. XXXX that I did not have that amount to put down as a good faith payment. 
The company is unwilling to make an arrangement without a good faith payment which I do not have the means to pay. 
Prior to this being transferred to XXXX XXXX I had an agreement with XXXX XXXX XXXX and received in writing an agreement to pay {$230.00} a month beginning XX/XX/18. XXXX XXXX XXXX never gave me to opportunity to respond, agree to, and make the payment as it was transferred to another collection agency. 
Ms. XXXX also continues to tell me that she knows that the co-borrower on the student loan has the assets to pay the good faith payment and states that she can not disclose to me how she knows that information. 
I submitted a complaint on XXXX XXXX XXXX back in XX/XX/2018 and received a response stating they would be willing to work out an agreement. The letter was dated XX/XX/2018 I believe, the letter then had to be mailed to me which would take a couple days and thats not including XXXX XXXX holiday and weekends ( mail isnt delivered on Sundays ). Ms. XXXX from XXXX XXXX states they received my account in their office on XX/XX/XXXX. That didnt give me any time to receive the letter from XXXX XXXX XXXX and respond which I feel is unfair.
Product: Debt collection

In a previous complaint I notified company that account was not mine. I provided company with identity theft report as well as a notice to cease and desist all collection attempts from me and communications to me about the fraudulent account. Company failed to request consumer reporting agencies remove fraudulent account from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Credit Corp Solutions Inc XX/XX/XXXX, amounts is {$3.00}, XXXX and the action taken by this debt collection company is by unlawful suing me nor have I never received a summons for being sued. How I knew I was XXXX sued I start receiving letters from all sorts of attorneys. Also, Credit Corp Solutions is associated with XXXX XXXX XXXX, XXXX. This Law Firm pulled a soft pull on my credit report that I didn't give permission to do so. By the Law Firm doing this, by pulling an inquiry on from my credit report without my permission, decided to buy this debt to take action to sue me. I have been attacked multiple ways, with being sued, text messages, phone calls and fake letters, such as an Affidavit, Citation issued to me personally with wrong identity described as me. I've never received any documents with the whole contract, my original signature. I alson asked for Credit Corp Solutions and XXXX XXXX XXXX, PC yo cease and desist on contacting me, but the continued even trying to sue me under XXXX XXXX XXXX debt buyer for XXXX XXXX. I have been attacked and threatened by XXXX XXXX XXXX, XXXX since year 2020 during Covid-19.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my consumer rights under TILA.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. 
Evidence of Errors in Payment Reporting For the account with XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : TransUnion : The account incorrectly reports XXXX XXXX late payments in XX/XX/XXXX and XX/XX/XXXX, even though payments were made on time. 
Pattern of Inaccuracies The continued incorrect reporting of late payments across TransUnion, XXXX, and XXXX reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing.

Request for Immediate Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights.

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Ditech has increased my mortgage payment consecutively each year citing escrow shortage. Although my liabilities did not increase this year they have now added an additional {$75.00} to my monthly payment. My current escrow balance has {$770.00} in it. Over the course of this next 12 months my liabilities will total {$4300.00}. They collect {$360.00} each month in escrow. I will pay {$4300.00} over the next 12 months to escrow. Adding that {$4300.00} to my current balance of {$770.00} the total in escrow will equal {$5100.00}. That is way over the cushion they claim to have. This company is constantly trying to overcharge customers in fees and escrow. I would like them held accountable for their bad business practices. I would like my payment to accurately reflect the cushion they claim exists. Their cushion is listed as {$480.00}. If they were calculating correctly using this cushion and my current escrow balance, my monthly escrow charge should be only {$290.00}. Not the {$360.00} they 're currently charging. I 'm currently overpaying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent certified letters to TransUnion LLC regarding validation of debts received and signed for on  XX/XX/XXXX     @  XXXX . Company sent statements to consumer as verified as accurate and updated. TransUnion failed to validate debt as stated in letter received by TransUnion.  Consumer  contacted  Recorder  of Deeds for Oklahoma and verified that they DO NOT report to credit reporting agencies. TransUnion failed to mark consumer report within 30 days as DISPUTED BY CONSUMER according with Federal Law FCRA 623 ( A ) ( C ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$66.00} MEXXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} Medical XXXX Balance : {$73.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a XXXX Letter by certified mail to Self Inc explaining my hardship and how that resulted in a late payment in XX/XX/XXXX. On XX/XX/XXXX I received a response from Self Inc by email stating they are not able to accept XXXX Letter Requests to remove factual information from credit reports and that the late payment will remain on my consumer report. On XX/XX/XXXX, I sent an email to the CEO XXXX XXXX with my XXXX Letter explaining my hardship and how that resulted in the late payment in XX/XX/XXXX and asked for the information to be permanently deleted from my consumer report. On XX/XX/XXXX, I received an email from Self Inc again stating they are not able to accept XXXX Requests to remove factual information from credit reports. On XX/XX/XXXX, I responded referring to U.S Code 1666b ( Timing Payments ) which states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ''. I explained that by reporting the late payment they are violating my Consumer Rights and are hindering my credit so I demand they delete the information from all credit reporting agencies. On XX/XX/XXXX, Self Inc responded back again stating they are not able to remove the factual payment history they are reporting and that I can also close my account if I am experiencing hardship, or wish to opt out of the program. I responded the same day referring to 15 U.S Code 1681a ( 2 ) ( i ) ( Exclusions ) which states a consumer report does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. I continued by stating it is illegal to report late payments on a consumer report and I demand them to delete the information. I also included screenshots of the Consumer Laws for their references by did not get a response back. On XX/XX/XXXX, I sent Self Inc a certified letter explaining my Consumer Law 15 U.S Code 1681a ( 2 ) ( i ) ( Exclusions ) and to delete the unlawful information. On XX/XX/XXXX, I received an email from Self Inc stating I requested a validation letter for an account I did not ask for. The account they are saying I asked for validation for does not have any late payments reporting to my consumer report, so I do not see how they confused the two accounts. I have continuously reached out to Self Inc along with the CEO to fix this issue and the company is refusing to comply with my rights to remove the late payment in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and on many occasions and afterwards reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. In the word 's of my institutions agent who answered one of my complaints " you can call the person who mistakenly received your funds and ask them to return it ''. The CFBP 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and the transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I am not aware of this account, please remove it from my credit file. I am not sure how?
Product: Debt collection

This company is contacting me regarding auto debt. I spoke to them on XX/XX/21 when they called from XXXX. When I spoke to them, they said that I spoke to them on XX/XX/XXXX and confirmed the debt belong sto me and that my auto insurance should have covered the amount. This is a false claim. My phone records show that I received a call from a XXXX phone number on XX/XX/XXXX, which I now know any call that shows up as " Potential Spam '' with the same first 6 digits belongs to this conpany, but I did not answer. According to 15 USC 1692e of the Fair Debt Collection Practices Act, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This company has clearly violated this section.
Product: Debt collection

I contact LVNV Funding, LLC XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$420.00}. 

And on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the account # XXXX in the amount of {$740.00}. These letters were requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked the name and address of the original creditor, the complete account number and the amount. As well as, a detailed explanation and itemized statement of the charges and fees associated with the debt. 

In addition, proof that they had the right to collect the debt, including any agreement that grants them authority to collect on behalf of the original creditor. 

Lastly, I requested that they send proof that the alleged debt is owed by me including any signed agreement or contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to you because I noticed some inconsistencies on my credit report that have been damaging my good name and my credit score and needs to be looked at immediately.

You are reporting a status date of XX/XX/XXXX yet transUnion is reporting XX/XX/XXXX and XXXX has no record of this account, also you are reporting a balance update XXXX XXXX yet transUnion is reporting XX/XX/XXXX. You are also reporting payment stay as voluntary surrender yet transUnion it as voluntary repossession. Also you are reporting the account type as auto loan yet transUnion is reporting it as installment loan. 

This is inaccurate reporting so please remove this off my credit report for inaccurate information.
Product: Debt collection

On XXXX XXXX, 2023 The Law Offices of PATENAUDE & FELIX , A.P.C. communicated with me without my prior DIRECT consent nor the consent of a Court order ; violating the FDCPA ( section 1692c ). The Law Offices of PATENAUDE & FELIX , A.P.C. sent me a notice via US Mail of a settlement offer further stating that I owe an alleged debt ; direct violation of FDCPA ( section 1692b ). Since I never had a prior agreement nor valid contract with PATENAUDE & FELIX, A.P.C., their collective actions of attempting to collect an unverified, non-validated, and alleged debt by an unfair and deceptive means ; this action is in direct violation of the FDCPA ( section 1692f ). The Mailing is missing the required disclaimer per the Domestic Mail Manual codified in 39 USC 3001 & 3005. 
The Law Offices of PATENAUDE & FELIX , A.P.C. have collectively violated my right to privacy and created a false account in my name without my written consent.
Product: Debt collection

I am disputing the debt collection practices of " XXXX '' and their associated debt collector, " The CBE Group , Inc. '' In XXXX of 2015, I closed my XXXX XXXX account, and settled the final bill over the phone. I was told by the agent that the bill was settled. In XXXX of 2015, I received an email from XXXX stating that I had a balance on my account. I explained to XXXX that the " early termination fee '' was incorrect, the agent said it would not be applied, and the situation was resolved over the phone. 

In the months following, I received no email, phone call, mail, text or other communication from XXXX. In XXXX of 2015, I realized that I had a collection on my account ( only after checking my credit report ) for the months of XXXX 2015XX/XX/XXXX 2015, which negatively impacted my credit score. Because I never received notification of the collection, XXXX and CBE violated the FDCPA - XXXX U.S.C. section XXXX XXXX XXXX ) which states : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section .... 

( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ... 

( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. '' -XXXX and CBE violated XXXX XXXX. XXXX XXXX XXXX ) ( XXXX ) because they conspicuously attempted to collect a debt, but did not attempt to contact me by any means, even though they had my email, address, and cell phone number ( my XXXX wireless number ). 

-XXXX and CBE also violated XXXX XXXX. XXXX XXXX XXXX ) ( XXXX ) because they failed to make any initial written communication at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit cards late payment XXXX FRCA Violation XXXX loan late payment XXXX XXXX FRCA Violation XXXX XXXX loans late payments XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FRCA Violation inquiries XXXX XXXXXXXX NA XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX  XXXX CT XXXX, TX XXXX
Product: Vehicle loan or lease

I just began this lease with XXXX XXXX. My 1st payment with XXXX XXXX   was due XX/XX/XXXX. I went onto their website on XX/XX/XXXX and processed my payment, however, on my bank statement it came up as being withdrawn twice. Once on XXXX XXXX for {$460.00} and once on XXXX XXXX for {$460.00}, not sure why one is {$3.00} more. I called on XXXX to get the {$460.00} returned to me. They told me to fax my bank statement ( attached ) showing the payments cleared to their account servicing department. I have faxed this information 3 times since Tuesday and they are still claiming as of this morning they have not received it ( I have the fax confirmations for all 3 if needed ). I had an initial problem with faxing anyway since it's not secure and I'm sending my bank account information over an unsecure communication method. Plus, they are lucky I'm in a position to have the extra money in my account. If I was living paycheck to paycheck like many I would be left with nothing. I want the payment of {$460.00} returned immediately!!!! This was my 1st payment with this company ... my 1st experience and this is what I'm dealing with. I want my money back now!
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a proper reinvestigation of disputed information on my credit report. This negligence has left inaccurate and unverifiable accounts unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, highlighting systemic failures such as : Not forwarding consumer-provided evidence to furnishers. 

Accepting unreliable responses from furnishers. 

Failing to adequately inform consumers of dispute outcomes. 


These failures align with my personal experience. Despite providing evidence, Experian has neither corrected nor removed the disputed items, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute this account : The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus has updated it. Therefore, I request that you correct this account in my credit file as this is inaccurate, erroneous, incomplete, or unverifiable. 
XXXX XXXX  XXXX XXXX.....
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$7800.00} / XX/XX/XXXX XXXX  XXXX / {$5700.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$18000.00} / XX/XX/XXXX