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

XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 1681O of the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case. 

Details of the Dispute : GLOBAL LENDING SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GLOBAL LENDING SERVICES LLC 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 GLOBAL LENDING SERVICES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Explanation of the issue : incorrect balance, outdated information, incorrect status. 

I believe this information is inaccurate due to the following reasons : incorrect information regarding the status of an account. 
I have made reasonable attempts to resolve this matter with the creditor, but they have not provided adequate response or correction, which constitutes a failure to comply with the duties outlined under S

ection 1681O of the FCRA. As required by law, I request that you conduct a thorough investigation into this matter and correct any inaccuracies, or delete the information if it can not be verified. If no resolution is found or the reporting is not
updated in accordance with the law, I will take further action to ensure my rights are protected under the FCRA. 

Please notify me in writing with the results of your investigation and the actions taken to resolve this dispute. As per Section 1681i ( a ) of the FCRA, I expect to be informed of the outcome within the required 30-day period.

Sincerely XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It XXXX Concern : I sent a request for investigation under FCRA XXXX ( XXXX ) to ( XXXX ) on XXXX, XXXX reference to the following account ( XXXX ) : NCAC - NATIONAL CREDIT AUDIT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCAC - NATIONAL CREDIT AUDIT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. 


Please do not " update '' or " verify '' this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Medical statements will not suffice. Send my actual signature on a contract. As this debt is Not mine. 

I am asking for this verification because my XXXX XXXX is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 


I would like to remind you of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt XXXX ' word. I have faith that your establishment will do the right thing and truly investigate the matter and if you do not expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated rights XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX  # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting 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 inaccurate.
Product: Credit reporting or other personal consumer reports

Below is the Email sent to XXXX XXXX  on XX/XX/XXXX, XXXX they mainly use predatory lending scheme to keep me with them, or when applied for loan assistance they were after my equity in home and increased my APR with no reason. Also XXXX XXXX never provided me with any adverse action report, although it was requested. 

I am writing to formally dispute inaccurate information being reported to XXXX regarding my mortgage account with XXXX XXXX XXXX XXXX. Specifically, a report dated XX/XX/XXXX, erroneously indicates that I am currently paying my mortgage on a partial or modified payment plan. This is not true ; I have never paid on a modified or partial payment plan since the commencement of my mortgage. 

This is not an isolated incident. On XX/XX/XXXX, another erroneous report was sent to XXXX flagging my account as delinquent for more than 60 days and stating that I was paying on a modified or partial payment plan, both of which are false. While these remarks were removed in XXXX, their recurrence raises serious concerns about the accuracy of your reporting practices. 

According to the Fair and Accurate Credit Transactions Act ( FACTA ) and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), I should have received notice and an explanation of the adverse/negative disclosures sent to the credit bureau XXXX To date, I have not received any such notice or explanation. 

The repetition of these erroneous reports in a short period suggests more than an honest mistake or error. This pattern may be indicative of a predatory lending scheme, specifically Failure to Report Credit Information accurately, which is prohibited under the XXXX XXXX XXXX XXXX  and Consumer Protection Act of XXXX. 

The negative effects of these incorrect reports on my professional and personal life are substantial. As a Certified Public Accountant ( CPA ) and Corporate Controller, maintaining a clean credit report is crucial to my career. Inaccurate reporting harms my professional reputation and can impede my ability to obtain, maintain, and refinance credit. 

To rectify this situation, I request that XXXX XXXX XXXX XXXX send a letter to XXXX to remove these false remarks entirely from my credit history. Additionally, I request that you provide me with the required disclosures and explanations for the adverse reports as mandated by FACTA. 

Failure to address this issue promptly will leave me with no choice but to file complaints with the CFPB and the Federal Deposit Insurance Corporation ( FDIC ). 

Moreover, in XX/XX/XXXX, I requested loan assistance which was denied. Consequently, I missed the XXXX payment but agreed with XXXX to pay both XXXX and XXXX payments on XX/XX/XXXX. Despite this arrangement, XXXX reported the missed XXXX payment to the credit bureaus without providing the required disclosure by FACTA. This misrepresentation, suggested by a XXXX customer service representative, should also be removed from my credit report.
Product: Mortgage

spent most of last year building my credit in preparation for a home purchase. In XXXX or XXXX, I called XXXX to find out why they had not mailed my score to me yet. They told me my score on the phone, reported it as XXXX ( I later received written notice that the score was XXXX ). I called the bank and told the mortgage counselor my score and they advised me to have my credit run for a mortgage loan because if that was my score, I was ready to apply. I had been in touch with this bank periodically while my score was increasing each month. The bank ran my score and told me it was a XXXX. I asked them to remove the inquiry because I relied on false information given to me by XXXX. The bank refused. XXXX refused to help me in that request.
Product: Debt collection

I am sure that what I am describing you already know about it. I have made a complaint in XXXX regarding the fraudulent activity from Wells Fargo Home Mortgage and nothing was done. I am convince that nothing will be done this time either. However, I would like to make sure that I document everything that CFPB is not doing to protect the homeowners. 

Wells Fargo has been on the new one too many time and despite that we ask for help the millions of dollars in fines for breaching their contracts or agreements continues allowing WELLS FARGO HOME MORTGAGE TO CONTINUE DEFRAUDING THE CONSUMER. 

Wells fargo has done everything to take my house today XX/XX/XXXXmy house was sold in auction. It is very sad and frustrating to be feeling powerless because not even a government agency can take down a corruptible institution. The robo signing continues to this day, the false affidavits continue, the overcharges continue and the loan modification were denied despite the homeowner can afford the payment, but the house had equity and the banks wants that equity. I am requesting the assistance of the CFPB to sit down with me and WELLS FARGO HOME MORTGAGE. I would like XXXX to lie in front of you when I take one letter after another of how they have overcharge as they wish and how my loan modification were wrongfully denied. How they blame the use of the TREASURY FORMULA as the responsible party for denying the loan modifications and since it was a complex formula nobody new really how to explain it so do n't even bother asking a question. The investor was WELLS FARGO BANK AND MY LOAN WAS A PICK A PAYMENT LOAN. WELLS FARGO DURING THE MERGER WITH XXXX PROMISED TO ASSIST HOME OWNERS WITH PICK A PAYMENT LOANS. MY LOAN WAS ONLY XXXX DOLLARS AND THE VALUE OF MY HOME WAS XXXX WHEN I REFINANCE IT. THE LENDER KNEW i HAD EQUITY ON MY HOUSE AND THIS IS THE REASON WHY THEY DID NOT WANT TO PROVIDE ME A LOAN MODIFICATION. FOR THE FIRST 4 YEARS THE WFHM DID ABSOLUTELY NOTHING TO PREVENT FURTHER DEFAULT. THEY WOULD NOT WANT TO ACCEPT MY MONEY OR RE-PAYMENT PLAN. 
ALL THEY WANTED WAS INCREASE THEIR COOKIE FEES OVER CHARGES ON EVERYTHING AND REFUSED TO ASSIST ME WITH A LOAN MODIFICATION. THE EXECUTIVE OFFICE IS AS CORRUPT AS EVERY OTHER DEPARTMENT OF THAT LENDING INSTITUTION. I WONDER WHERE DOES ALL THE MILLIONS OF DOLLARS THE CFPB goes because we as consumers are not seeing any change on the way XXXX conducts business and as a consumer I am not seeing any benefit either. 

I am asking for a full review of my loan modification or the record keeping of my house, loan modification denials and false documentation recorded. I would like to be part of a meeting with wells fargo as well.
Product: Debt collection

I have not received any information regarding this claim that I owe a debt since the first delinquency date to my knowledge. I have no written form of communication with this party nor do I know where this debt originated. 


Date Assigned XX/XX/XXXX Original Amount Owed {$510.00} Status Date XX/XX/XXXX Balance Date XX/XX/XXXX Last Payment Date ( this is BLANK ) Date of First Delinquency XX/XX/XXXX Contact ( This is the company that is listed on my credit report ) COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX GA XXXX XXXX
Product: Student loan

I am the co-signer on my daughters loan, I sent a check for XXXX to pay-off the balance, the check was cashed on XX/XX/17 by XXXX XXXX ( which was bought out by Navient ). 
The check was never applied towards the loan. My daughter and I have spent several days/hours on the phone with no answers to where the check went. I have a bank statement that states it was cashed by XXXX XXXX but the Company ID belongs to Navient. This is very frustrating and upsetting that nothing is being done. Nobody at Navient seems to know what they are doing. Please help?
Product: Credit reporting or other personal consumer reports

Please see attached documeasdnts. Do not close this complaint stating it is not me. I am a natural person and a consasdumer.
Product: Credit reporting or other personal consumer reports

I am partially in agreement with the remedy provided by Comenity Bank. 

In the attached document, Comenity Bank 's response indicates that a credit of {$75.00} has been applied to my account. However, it does not mention removing the delinquency reported to the credit bureaus. Additionally, Comenity Bank 's response claims that I requested to unenroll from automatic payments, a statement I refute. At no time have I initiated such a request ; if I had wanted to, I could have completed it through my online account. Furthermore, the assertion that the credit card was available for use after discussions with the fraud department is incorrect. There should have been a record of the credit card declining in XX/XX/XXXX XXXX, which prompted me to contact Comenity Bank for the third time. I was referred to the Fraud Department, where I had to answer a series of questions and was advised that the credit card was available for use ; again, that statement was incorrect, and the credit card was still declined. Comenity Bank should have a log of declinations associated with the credit card. Also, I did not receive a billing statement in the mail for XXXX, and the XXXX statement was received via email, which contradicts Comenity Bank 's implication that a statement was mailed. Why wasnt a statement mailed in XXXX if a billing statement was sent in XXXX? There was no change to the online account during that period. As stated in the letter from Comenity Bank, I restarted the automatic withdrawals on XX/XX/XXXX ; however, that was only after I submitted a phone payment.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I transferred {$1500.00} total from my XXXX to my Citibank account I opened that day ( proof of these transfers are attached ). I withdrew {$1000.00} from the citi account on XX/XX/XXXX and citi shortly closed my account for no reason citing fraud alert. I had {$500.00} left in the account and ever since XXXX I have been calling citi for an update on this matter. For the first 60 days they said the funds will be returned by itself within 60 days. 60 days passed I called again they said they transferred me to multiple departments who tell me different things. I eventually got to the new accounts fraud department a few weeks ago who said I needed to prove this is my money so I sent them the screenshots that I attached. Then they said they will email the department that handles this but every time I call they said they have no response from that department. Today I called again they said the account takeover team handles this, I got transferred over and waited for XXXX minutes they said they were checking the issue and then I got hung up on. I have been very patient with citibank but they are not taking this seriously and I'm not getting anywhere so I am seeking helping from CFPB hoping I can get some help. And I have seen online a lot of people are dealing with a similar problem with citibank closing their accounts and not giving their money back. It's horrific that a big trusted bank can act like this, that we have to beg for our own money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following accounts be updated. I have tried to reach out to Equifax regarding this information for some time. 

Please remove any comments, remarks or indication of a dispute with both XXXX XXXXXXXX XXXX accounts on my credit report. 

Removal of an incorrect late payment mark for the month of XX/XX/XXXX on the XXXX XXXX XXXX  credit card. 

Removal of the following inquiries ( these were NOT made by me ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX )
Product: Debt collection

I am writing this letter to dispute the debt listed on my credit report. As per the fair debt collection practices act ( FDCPA ), you are required to provide me with specific validation information, including the original creditor, the amount of the debt, and the date it became delinquent. To date, I have not received this information. I request that you remove this negative item from my credit report until you can provide the required validation. 

I look forward to your prompt response to this matter Sincerely,
Product: Credit reporting or other personal consumer reports

It's been over 30 days and I have inconsistencies between all XXXX reports that has not been updated or removed including inquiries, collection accounts that should not be on my report. Personal information and late payments that are inconsistent. I ask that the inaccurate information be removed immediately as these were requested over 30 days and it has not been reflected.
Product: Debt collection

The dealer who handled my documents did not properly transfer the title, leading the vehicle to get repossessed. He misused my Identity ( ID fraud ) In the interim, he prolonged the time in correcting his mistake, resulting in the car to be sold. I then contacted the initial financing company ( XXXX  ) explained the situation and provided them with documentation. Because I was left without a vehicle after financing it, I went to the Dept of Motor vehicle and put in a complaint. Upon the DMV 's instigation, the dealer was fined for faulty practices. I have contacted the collection company in regards to this matter as well as XXXX XXXX   to properly report on my credit report. I gave XXXX the police report, showing the vehicle was repossessed due to the title not matching the plates and then sold and I had no longer possess the vehicle. XXXX stated they will not collect the balance on this account because I provided proof of the fraud that was committed. However, they continued to report this fraudulent debt on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Back during COVID, I was on a Forbearance. After the Forbearance, I should have been granted a COVID ALM, lowering my payment by at least 25 %. They have been fixing it with loan modifications and those have been, and are, greater than what my payment was! Never was I offered the ALM, which I should have been.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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