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

Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$10000.00} from XXXX XXXX XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> from XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXXXXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

Hi all, First of all, thank you for replying to my original complaint to the Consumer Financial Protection Bureau # XXXX. Your answer was very kind. 

I am reaching out again and opening up a new complaint because I am asking you to reconsider our claim based on the merits of our case. I understand that you have very specific dispute terms. And I apologize for having taken us so long to submit our answers- frankly it was simple miscommunication between our joint account users. However, I ask that you please reconsider as we did nothing wrong. Our account was compromised through your company 's backend. The faulty transaction was processed through the account 's virtual debit card number yet there was no activity of anyone in the organization even logging into the account on that day, or that week for that regards. Someone, somewhere, accessed our account 's virtual debit card number without having our login information, and then successfully charged a 4-digit amount to a physical PoS several states away than any registered address on our account. Doesn't that scream fraud? Security breach? 

We disagree that we should be held in contempt for this missing money as we believe it is your duty as a consumer financial institution to safeguard our assets against malfeasance. Once again, please reconsider your dispute claim limits and accept our charge dispute answers, and refund the stolen money from our account. Thank you very much in advance for any help you can provide.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXXXXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

To whom it may concern On XXXX this collection agency name : Absolute Resolutions, INV Reported an accurate debt to XXXX XXXX and XXXX to collected a debt of {$4800.00} This collection was deleted on 2020 and Reinserted onto my credit report!! 

I have received no such notification, this is a serious violation of the FCRA I demand that this debt that I don't owe immediately DELETE this account From my credit report I did mailed a letter to XXXX and XXXX nothing done that debt collection cause me pain can obtain a fair credit In accordance with the requirements of the FCRA XXXX XXXX ( XXXX i ) XXXX ) I demand that debt immediately Delete
Product: Student loan

I began paying for my loan with Wells Fargo this year and it is over {$910.00} a month.i borrowed {$45000.00} and now with interest is over {$90000.00}. I am have a hard time paying the loan each month and Wells Fargo would not take off interest or reduce payments. Its over {$910.00} for 15 years. Please is there any way you can get the balance lowered so the payment will be smaller please?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a Letter to Equifax the credit bureau. On the letter demanded that they removed the inaccurate information from my credit report. The XXXX account is stating that I was late one month when I was not. The account was sent to collections and should have never gone to collection. I contacted the credit bureau today on ( XX/XX/XXXX and I was told that they never received my last dispute. The operator told me that the last dipsute that they recieved was on XX/XX/XXXX. I asked to speak to a supervisor and she told me they never received my dispute. The operator slipped up and said something that was alarming to me to make me create an account with equifax. When I created the account. I now see that they did recieve my dispute. I have provided a screen shot that shows that they did on XX/XX/XXXX. Why would they lie to me and tell me XX/XX/XXXX. How can a major company operate like this. They are not investigating this matter. I disputed the information with another bureau and it was removed off my account. The reason why is because I was never late. I have included that screen shot also to show that it was removed. I am also sending a copy of the letter I sent to them. Please help me with this matter. Equifax is not doing its job and lying on the phone. Are you able to pull the recording where they tell me that the last dispute was supbbited on XX/XX/XXXX? The call was placed at XXXX on XX/XX/XXXX. Please see allthe documents attached. Three things 1. the screen shot showing they did receieve my dispute. 2. the screen shot showing it was deleted from another bureau .3. The letter that was sent to Equifax. I HAVE SENT TWO LETTERS TO THEM AND THEY ARE LYING SAYING THEY NEVER GOT MY REQUEST AND IT CLEARLY SHOWS THEY DID, I am very upset because I feel hopeless like there is nothing I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went through a loan modification in XXXX with Caliber Home Loans. My husband had a XXXX XXXX XXXX  and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate
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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ian exiting forbearance and was approved for state grant it was approved and sent to my servicer Mr Cooper and they say they have yet to receive and this after I was approved for a loan mod that they sent with someone to my house only to deny the mod the next day I am now behind on my payment yet again because of this
Product: Debt collection

XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX with XXXX XXXX XXXX and XXXX XXXX XXXX with XXXX XXXX XXXX on behalf of Capital One are conspiring to force through a frivolous law suit against me. 

On XX/XX/XXXX Capital One filed a motion to dismiss which was granted on XX/XX/XXXX. However, they are still stating that I owe this debt despite the fact that the dismissal THEY requested was granted.

They know this is well past the 6 years for the Statute of Limitations on debt in Indiana, ( originally filed on XX/XX/XXXX. ) They have no genuine merit or basis to collect on this and are intentionally dragging out the process as an intimidation and scare tactic against me. This is simply a covert approach for nefarious activities to exploit and extort the consumer. These are reckless, deranged and deliberate advances at all levels. 

Therefore, I am requesting that this matter be negated and rescinded on all effective levels with the support of the Consumer Financial Protection Bureau and with the Indiana State Attorney General and that a letter stating I no longer owe this debt and this matter is officially closed be sent to me immediately. Furthermore, their actions should be met with the full force of prosecuting judgments of the just based on their deceptive advances on all effective levels.
Product: Mortgage

ADDITIONAL LOAN CARE PRINCIPLE PAYMENTS NOT APPLIED TO MY MORTGAGE CORRECTLY. BANKING IRREGULARITY AND MISSING {$19000.00}!!!!!! 

I have sent over 5 requests over the last 2 years to Loancare to get this issue corrected and these banking errors consistently keeps happening. LoanCare is illegally not applying my extra principle to my loan. They send a automated reports of payments in the mail then close the complaint but the issue is not fixed. I AM MISSING {$19000.00} OF EXTRA PRINCIPLE NOT PROPERLY APPLIED TO MY MORTGAGE. 

You will see my previous complaint this with company that went unresolved! I have several complaints with the CA Attorney Generals ' office.

I am ready to seek an attorney. There have been several CLASS ACTION SUITS against LOAN CARE bank. They deliver the worst customer service and go out of their way to misappropriate funds, never have a manager call you back and hang up on you when you ask detailed calculation questions. I have spent 100 's of hours trying to resolve this issue and think they should be investigated and held accountable. 

XXXX XXXX XXXX ATTN : Consumer Solutions Department XXXX  XXXX XXXX Virginia XXXX, Virginia XXXX
Product: Credit card

I am writing to dispute certain inquiries that have appeared on my credit report, which I believe are the result of identity theft and unauthorized actions. I demand proof bearing my signature or electronic signature as evidence that I authorized these actions. These actions violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B and Section 604. I have contacted the companies responsible for reporting these actions and have confirmed that they initiated them without proper validation or any original proof from me. These inquiries are not legitimate, as I never authorized them, making them the result of identity theft or illegal reporting of my consumer information by creditors or third-party data furnishers. Under the Fair Credit Reporting Act, Credit Bureaus are required to investigate these accounts and inquiries and delete or block them no later than four business days from receiving this letter. I have attached relevant sections of the FCRA, including 605B and 604, which explain the process for blocking information resulting from identity theft and outline the permissible purposes of consumer reports. Please conduct a thorough investigation into the accounts and inquiries listed and delete or block them immediately based on the investigation results or in case of non-compliance. Failure to comply with these regulations will lead to legal action as outlined under FCRA 616, including actual damages and declaratory relief. Unauthorized Inquiries are from the following companies : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On my credit report it states that I owe more than what 's actually owed. I called the debit collection agency they stated that they just rounded the debit off.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred {$600.00} as payment on the construction at home via Zelle. XXXX XXXX XXXX stated that as long as with valid XXXX XXXX. Money transferred but recipient claimed hasn't received it. I went to the bank & was confirmed that it was sent. Zelle claimed it was transferred. There is no contact number to call & check with Zelle to which account the money credited. Went to the bank again & was advised that the recipient needs to go to the bank & activated his Zelle. The recipient advised me that his Zelle is activated now and the money is nowhere. I want to know which account it was credited and Zelle has no customer service number or support. I can not afford to pay additional {$600.00}. Which account it was credited? Or Zelle is just a big scam where they can claimed the money was transferred and yet it wasn't? Why Zelle can't give me the account name where it can credited so I inform the recipient. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma falsely informed me that I was pre-approved for multiple credit card offers which were false causing consumer report hard inquiries and false hope. These offers would appear daily. After multiple disappointing pre-approval rejections I stopped applying. Now I noticed it's not just me being scammed and deceived.
Product: Checking or savings account

I use chime bank. On XX/XX/XXXX, my debit card was charged {$270.00} from XXXX, after investigating it appears that the transaction was placed in XXXX arkansas and I live in Texas so this was clearly fraud. After more investigating, it seems as if someone hacked into my XXXX account and used my debit card which was already on file to make the purchase. These products were for women such as hair dye and women 's supplements but I am a man and have no use for these things. I promptly closed my XXXX account due to fraud and contacted my bank to explain the situation. After a few weeks, chime bank came back with a decision to reject my claim on the premise that " no error was made ''. After the rejection, I resubmitted the claim but it got rejected again, I contacted XXXX management and they told me since I closed my XXXX account, they can not provide a refund but to contact my bank, they also told me that my bank should have accepted my claim because it was fraud. The vendor is on my side but are unable to do anything about it because I voluntarily closed my XXXX account. Now I'm stuck and need help from an outside agency as I have exhausted my options. It is clear that this is a case of fraud and I'd like my money back.
Product: Student loan

My government student loan went into default I. I voluntarily contacted the collection agency handling and entered into an agreement to repay at {$380.00} per month have not missed a payment at all and they allowed my tax return refund If {$2100.00} to be seized as repayment for the loan.
Product: Checking or savings account

My pet was denied service at XXXX Animal Hospital and he ended up dying unnecessarily. All my complaints to XXXX went unanswered although XXXX has quite a few complaints and an F rating with the XXXX XXXX XXXX. XXXX hired crooked law firm Pressler and Pressler also known as Pressler, Felt and Warshaw to harass me however I sent Pressler various cease and desist letters via certified mail. Pressler is known for violating the rules since the managing partner XXXX XXXX was supposedly on the NJ Supreme Court for 25 years. Pressler was sued by the Consumer Protection Financial Bureau but continues to take the law into their own hands. Pressler obtained a crooked court officer to issue a levy with a false certification. I only found out about it through my bank after money was stolen from my account. The court had not contacted me about any trial or any other proceedings. Pressler sent documents to my bank with my full social security number when they should have redacted, and they threatened to come to my home and take my belongings as if I were some XXXX. These kinds of lawyers make criminals look like community heroes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the company my dispute on { XX/XX/22 }, which they received and investigated on but there was no corrections made and the documents I requested in regards to their investigative process was not provided. I have reason to believe that they conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to AGAIN ask that they provide me with the following information : 1. The date you contacted each creditor 2. The contact information for each creditor 3. The name of the person who verified the items to you 4. The method of communication you used to verify this information 5. Did the creditors provide you with my SSN, address, and Date of Birth? 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts listed on the dispute. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed on the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX continues to report inaccurate information on my credit report for the account listed listed below. 

XXXX XXXX XXXX  : Account number XXXX. 

I do not recognize nor understand the form of reporting of this account. This account has historically and continues to report inaccurate and inconsistent information to all 3 bureaus.

1. The company is fraudulently reporting last payment date of XXXX XXXX. Last payment was XX/XX/XXXX. 

2. The company has reported inconsistent payment statuses across all three bureaus.

3. The company has reported payments while the account is in charge off status. Last payment on XXXX shows as XXXX XXXX with a close date of XX/XX/XXXX. The company also shows " Times 30/60/90 days late 0/0/0 ''. On Experian, the account was charged on XX/XX/XXXX. On XXXX, there is payment history. The account has been closed, reopened, and placed in 30,60, and 90 late statuses.

4. The company is reporting the account on my family 's credit report.

5. The company is reporting payment history to XXXX for the year XXXX, while also showing CO status on Experian during the same time. The balance also continues to fluctuate. 
1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX30 days late : Balance {$9400.00} 9. XXXX XXXXClosed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} I demand the account be removed from credit report immediately. I do not authorize the reporting of this tradeline. It has damaged my credit report since XXXX with its erroneous reporting. XXXX, XXXX, and Experian have failed me as a consumer, and has not operated in good faith and according to FCR and FTC rules and regulations regarding accurate reporting of information. I have been disputing the accuracy of the reporting of this account for years, and the credit bureau does nothing to ensure accurate reporting. Instead accusing my disputes as being frivolous to avoid investigation.
Product: Mortgage

Since XXXX I have been behind on my mortgage payments due to a reduction in pay with my current employer. I attempted to modify my loan earlier this year, but Fay Servicing denied me a modification and suggested that I proceed with a short sale. I hired a Realtor in XX/XX/XXXX as well as a short sale negotiator and that same day I received an offer on my property and began to work the short sale process. Throughout the process Fay Servicing was very uncooperative and consistently misplaced paperwork that my realtor and negotiator had to continue to submit. In late XXXX I received a letter that Fay intended to foreclose on my property. They never issued a denial of the short sale and they stopped taking calls or responding to repeated attempts by my realtor and short sale negotiator to obtain more information for me. On XX/XX/XXXX the locks were changed on my property while I was out of my home. I was never served with any eviction notice and I still have belongings in the property. On XX/XX/XXXX my realtor received a call from a man by the name of XXXX XXXX, who stated he was the REO manager who had changed the locks and that Fay servicing had never notified him that anyone was still living at the property. He was willing to make arrangements for me to get back inside the home to retrieve my belongings, but I still was never properly evicted and I feel that this is a violation of housing laws on the part of Fay Servicing.