23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX  Credit Bureau Associates XXXX XXXX XXXX XXXX GA XXXX Subject : Demand for Verification and Immediate Removal of Inaccurate Information Dear Credit Bureau Associates, I am writing to formally demand that you verify and substantiate the accuracy of the information reported on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This information, which has been reported inaccurately by Credit Bureau Associates, is causing undue harm to my credit profile, and I am requesting an immediate investigation into the following : Verification of Debt and Creditor Information I demand that you provide documentation and verification of the alleged debt, including the full name, contact information, and proof of ownership by the creditor. I am requesting evidence of the original agreement and a detailed account history to verify that the information reported is both accurate and verifiable. 

Immediate Removal of Inaccurate Information As per the FCRA, you are required to ensure the highest standards of accuracy and completeness in credit reporting. Failure to verify or provide proof within 30 days constitutes a violation under 15 U.S.C. 1681i, which mandates deletion of inaccurate or unverifiable information. Due to the lack of verifiable documentation on this item, I demand its immediate removal from my credit report. 

Cease and Desist Communication Additionally, I am formally requesting that Credit Bureau Associates cease all forms of communication with me regarding this account, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Any further attempts to communicate regarding this debt will be viewed as a violation of federal law, and I reserve the right to pursue legal action if this request is not respected. 

Please confirm in writing the results of your investigation and any actions taken, including the name and contact information of a responsible agent at your organization who will oversee this matter. Failure to respond in good faith will result in my taking further legal action to protect my rights under the FCRA and FDCPA. 

This letter serves as an official and final notice. I look forward to a prompt response and resolution. You may contact me at the address listed above, or by email if further clarification is needed. 

Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I took a loan out for {$2500.00} from XXXX. I later found out that they amount of the loan was in violation of XXXX Law and contested the debt. I made no payments past XX/XX/XXXX. 

I have received 3 calls from a woman stating her name is XXXX XXXX with Compass Recovery Group ( XXXX ) XXXX though I have been unable to obtain any information about this company. She is attempting to collect on a debt but has failed to identify herself as a debt collector 3 times. In addition, I was not living in XXXX  when the loan was taken out but she states the new owner of the debt ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX CRCP # XXXX CPRC # XXXX is attempting to sue in that state though when I check to see if a suit has been filed none has. 

There are 2 issues then ; 1. The statute of limitations has passed ( I believe ) and 2. violation of the FDCPA ( 15 USC 1692d ( 6 ) ) failure to fully disclose and ( 15 USC 1692e ( 11 ) ) failure to divulge they are calling as a debt collector. Furthermore, XXXX XXXX stated Compass is the " legal side '' rather than that they are a debt collector which is false and misleading, a violation of 15 U.S. Code 1692e ( A ), ( B ), ( 3 ), ( 10 ), ( 11 ) and ( 14 ).
Product: Mortgage

SUMMARY : WE ARE BEING FINANCIALLY PENALIZED BY ROCKET MORTGAGE FOR ENTERING INTO A MORTGAGE FOREBEARANCE/LOAN MODIFICATION. 

My family originated a XXXX, conforming Mortgage with ROCKET MORTGAGE in XXXX of XXXX. We were current on payments and in full compliance until COVID hit and I lost my stream of income as primary earner/payer. We applied for and commenced COVID Mortgage forebearance in XX/XX/XXXX. As of XX/XX/XXXX we resumed normal payments of our Mortgage. 

Also in XX/XX/XXXX, we filed an NSURANCE CLAIM for roof damage we had sustained in a prior wind/hail event in South Carolina and were awarded a Net Claim Payment of {$28000.00} on XX/XX/XXXX. 

Upon receiving the settlement check, to which ROCKET MORTGAGE was a named party, we endorsed the check and followed ROCKET MORTGAGE 'S stated rules for an Insurance Event UNDER {$50000.00} - to wit : they receive the check and promptly pay the funds back to the Mortgage Holder to complete the repairs. 

Yesterday, XX/XX/XXXX, we spoke with a Director in ROCKET MORTGAGE Insurance Claims group ( XXXX XXXX XXXX, who informed us we would have to accept partial payments under their " monitored claims '' guidelines. She explained this was due to our participation in the COVID Mortgage Forebearance program.

Unfortunately, after understanding ROCKET MORTGAGE 'S stated, published process for sub- $ XXXX insurance claims, we had engaged a contractor and paid a {$1000.00} deposit contingent on full payment at time of scheduled service. We will lose this money as a result of ROCKET MORTGAGE 'S predatory scheme to withhold our insurance settlement. 

I have read that it was NOT CFPB 's intent that consumers be penalized in any way for participating in the COVID Mortgage Forebearance programs, but ROCKET MORTGAGE is clearly violating that spirit and intent. 

Please help! 

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

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving an inaccurate or unverifiable account unresolved. The consumer financial protection bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experience has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violated federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I have noticed XXXX XXXX XXXX XXXX  AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now BELOW IS A LIST OF FRAUDULENT INQUIRIES REPORTING ON MY CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is being reported on my credit report my this account was opened by another person not me I was compromised by the XXXX breach and I believe this was opened at that time this was not opened by me.
Product: Credit reporting

My CHAPTER XXXX BANKRUPTCY was discharged XXXX/XXXX/XXXX and it was incorrectly reported on my status as a new bankruptcy. Payments were made monthly for 5 years through a trustee. Delinquent accounts were reported for : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts were not delinquent as court ordered payments were made monthly from XXXX XXXX until XXXX XXXX. I do not have a new Bankruptcy. My XXXX and only bankruptcy is closed. I filed XXXX XXXX, XXXX, date case closed XXXX/XXXX/XXXX, date discharged XXXX/XXXX/XXXX. This mistake has cost me dearly on home and auto insurance. I have tried repeatedly to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted LCI with a letter and I will place the letter below, and they never answered my questions on how they got permission or do have a wet signature on hand just a copy of bankruptcy info and stated it's public knowledge well. I do have a letter as well from courts stating that do give information to credit bureaus, so that's a lie. Here is the letter below and I'll attach there response. 


LCI LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items below to be an error. 

XXXX XXXX Bankruptcy- Case Number, Closing Date, Court, Date Filed The credit bureaus stated they received information from LCI XXXX 

LCI also has my updated address ( bill ) on file as well. 



According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. 



I understand the under 15 U.S.C. See 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 



If this information is verified with proof that this is me using SSN, DOB and wet signature, please send back with a copy of who and how they verified it. If not, I demand that this is removed immediately. 


Please send an updated copy of my credit report to the address above. According to the act, there shall be no charge for this updated report. 



Thank you for your time and help in this matter. 



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

XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under Metro 2 Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the Metro 2 Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by Metro 2.

The following items are being disputed : XXXX Date Opened/Date Closed/Date Reported In accordance with the five points of compliance under the Metro 2 Reporting Format, I would like to highlight the following concerns : 1. Accuracy : The reported derogatory information contains inaccuracies and erroneous details that misrepresent my credit history.

2. Integrity : The information provided does not maintain the integrity and completeness required by the Metro 2 guidelines, leading to an unfair representation of my creditworthiness.

3. Completeness : The derogatory information fails to provide complete and comprehensive details necessary for accurate credit reporting, creating a misleading perception of my credit profile.

4. Timeliness : The reported derogatory information includes outdated or untimely data that should no longer be reflected on my credit report, as it does not align with the required timeliness of Metro 2 reporting.

5. Consistency : The reported derogatory information lacks consistency across different credit reporting agencies, further raising concerns regarding its accuracy and reliability.

To facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the Metro 2 Reporting Format in examining each disputed item and ensuring compliance with the five points of compliance.

As per the Metro 2 guidelines, I kindly request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Additionally, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of upholding the principles of accurate and compliant credit reporting. Failure to address this matter in accordance with the Metro 2 Reporting Format may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws.

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting. Please keep me informed throughout the investigation process. 

I appreciate your prompt resolution of this dispute. 

Sincerely,
Product: Debt collection

2017 I had XXXX  which medical was going to cover. On the the day of the XXXX  my medical had expired and no one told me if I still wanted to proceed with the XXXX. I tried by calling them and they told me that I had to pay still.
Product: Vehicle loan or lease

Wells Fargo auto loan and a pay out. I was wondering if I was part of the pay out I did not receive anything for a pay out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm writing to ask about the removal of these address inaccuracies from my report. i live at XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX any other spellings are inaccurate my number is XXXX any other number is inaccurate. 







XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are both inaccurate
Product: Credit reporting or other personal consumer reports

incorrect information was shared on my report without my knowledge. I have been wronged on multiple fronts. They have a responsibility to perform in accordance with FCRA 15 usc1681 section 602.REFERENCING account with credit acceptance opened around XXXX account ending with XXXX on a XXXX XXXX. I am the consumer and have the right to privacy in accordance with the 15 usc 6801. I also point to15USC 1681 section 604 section 2 states subject to subsection ( c ) paraphrasing but in accordance with the written instructions of consumer whom it relates. It is my wish to see all that are negatively affecting my credit removed. If I unknowingly gave permission it now considered revoked. 15 USC 6802 ( b ) ( c ). Never was I Informed of my right to exercise nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states except authorized under subsection ( b ) ..time restraint. This account along with others reporting is without my consent and against 15 USC1681 s-2 ( a ) ( 1 ) as well as 15 USC 1681e `` reasonable procedures '' XXXX and XXXX are not maintaining reasonable procedures 1681b which is why I am opting out .12 CFR 1016.7- as well account with XXXX XXXX  XXXX  opened around XX/XX/XXXX XXXX / XXXX XXXX account # XXXX
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$5300.00}
Product: Credit card or prepaid card

My Shop Your Way Card was charged over {$200.00} that was a fraud. It was charged to XXXX which we have for tv, internet and home phone. I called XXXX  and they had no such charges as they go directly to our bank for the service we have from them. Shop Your Way will not check which XXXX ; they said they never call third parties. This has been going on for six months. First date was XXXX XXXX, for {$100.00} and second charge of {$170.00}. I have called Shop Your Way numerous times and have written to them and sent my XXXX bill, so they cans how XXXX goes to our bank directly ( no credit card is used ).
Product: Credit reporting or other personal consumer reports

I word as a XXXX XXXX and worked most of my career in XXXX XXXX XXXX. I enrolled in the Public Service Forgiveness Program, a program offered through the Education Department to have my loans dismissed after working for a non profit community health center which required yearly verifications. I met the criteria and in XXXX  but do to the COVID pandemic the dismissal of my student loans was delayed. During COVID my loans were transferred to MOHELA. I received multiple emails and letters from MOHELA stating that my loans had been forgiven and that by the end of XXXX they ( MOHELA ) would be reporting to all three credit agencies that my loans were, " PAID IN FULL. '' I have been in the process of trying to buy a new home but was told due to the amount owed on my student loans that my loan amount to purchase would be lowered until it was reported that they were paid in full. I looked at all three credit bureaus, XXXX, XXXX, and XXXX on XX/XX/XXXX and saw that MOHELA did not notify them that the accounts were paid in full. We are looking at over {$250000.00}. I filed a dispute with all three agencies. On XX/XX/XXXX I woke up to multiple emails from credit card holders and from XXXX stating that MOHELA had reported that the loans were in default and that they were paid for less than owed and my credit score which I have worked a lifetime to build dropped from Exceptional to Needs Improvement. Which is not at all the truth.XXXX  had dropped my credit score a total of XXXX points from XXXX to XXXX, completely derailing my home buying ability and some of my credit card companies froze my credit use. I immediately called MOHELA and was informed that they had not given that information to XXXX and that my loans showed paid in full. I inquired as to why this wasn't reported, as stated, to the three credit bureaus and was told by the person I was talking to they would have to transfer me to a supervisor. I waited online for an hour and then was told I would be transferred only to be sent back to beginning of the que. I hung up and called XXXX and inquired as to how they reached this decision in two days based on my dispute. Again they falsely stated that MOHELA had provided the information to them. I informed them I had just spoken to MOHELA and asked if they had read the letters I provided to them with my dispute to which they said an investigation was ongoing into my dispute. I requested that given an investigation was in process to drop the language on my credit report and restore my credit score. I even informed them that I am a Veteran and was in the process of trying to buy a home and my lender XXXX had just frozen that process. They refused to restore my credit score and several of my credit cards were frozen as a result of their mishandling of my dispute. I'm asking that you investigate their practices involving my dispute and help me recover what has taken a lifetime to build which was my exceptional credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent number emails and I called Round Point Mortgage. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.
Product: Consumer Loan

My complaint is about Navy Federal Credit Union. It has come to my attention that my current auto loan is now nearing almost 4 years of payments. I decided to go over the amount I have paid and what is left to pay on this loan. Based on what I have calculated I have not even paid off half of the original amount financed. Based on my XX/XX/XXXX - XX/XX/XXXX statement I have {$23000.00} left out of {$31000.00} that was originally financed XX/XX/XXXX. Additionally I have calculated out the last 11 months ' worth of payments which equaled {$4800.00}, to which {$1600.00} has come off of my principal balance. That means that {$3100.00} had gone towards the interest charged on my loan. The average amount that is getting paid toward my principal is {$150.00} and {$280.00} goes toward interest. That is nearly twice as much. Based on the figures that I stated above it would take me approximately 153.4 more payments to finish out this loan. That is another XXXX years on a loan that was only supposed to be for 84 months or 7 years. So this begs the question : Why am I going to pay 15 years on a 7 year loan? I would literally be paying {$67000.00} to pay off the {$23000.00} that is remaining. I renegotiated this loan XX/XX/XXXX to get a lower payment because of financial difficulties, but apparently the interest stayed the same, so nearly XXXX % of every payment goes to interest. This is ridiculous in my opinion.
Product: Debt or credit management

I have been trying my best for an couple months to get my money back from what has been taking from me on cash app and XXXX XXXX  I have been contacting them about my payments and it was nothing they said they couldnt do Ive been loosing money left n right and Im tired of it I will be providing the screenshots and the other info below XX/XX/year> XX/XX/year> XX/XX/year> are the dates for cash app and XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/XXXX - XX/XX/year> is all the dates where I have been having problems with cash app and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a collection being reported is not mine. The account belongs to someone else as I have never had a XXXX  XXXX card.