23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Formal Dispute Regarding Unauthorized Credit Reporting and Billing Practices Dear CFPB, I am writing to formally lodge a complaint and request your intervention regarding an unfair and unauthorized charge that has been reported on my credit report. This issue concerns an order placed with XXXX XXXX, and the subsequent actions taken by the creditor, which have led to significant and unjust negative impacts on my credit report. 

Summary of Events : I placed an order with XXXX XXXX for an amount of {$4200.00}. 
I did not receive the item ( s ) ordered. 
Initially, I was credited for the amount by XXXX XXXX. 
Subsequently, XXXX XXXX reversed the credit and imposed a 50 % charge-back fee, amounting to {$2100.00}. 
I disputed this reversal, and the full amount of {$4200.00} was charged back to my credit card. 
Due to the unresolved dispute and unfair charges, I did not pay the {$4200.00}. 
My account was then closed by the creditor and reported to the credit bureau as a delinquent amount of {$4200.00}. 


Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or unfair information on my credit report. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, protects consumers from unfair and deceptive practices by creditors and debt collectors. 

Request for Resolution : Immediate Removal of Negative Reporting : I request that the CFPB intervenes to ensure the removal of the {$4200.00} delinquent report from my credit report. 
Correction of Account Status : I request that my account status be corrected to reflect the dispute and the fact that the charge was a result of not receiving the ordered item ( s ). 
Investigation and Enforcement : I request that the CFPB investigates the practices of XXXX XXXX  and the creditor involved for potential violations of the FCRA and FDCPA. 
Written Confirmation : I request written confirmation from the CFPB and the credit bureau that the negative report has been removed and my account status has been corrected. 
Enclosed are copies of relevant documents, including the order confirmation, communication with XXXX XXXX, and my credit report highlighting the disputed charge. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue fairly and justly. 

Sincerely, XXXX XXXX Enclosures : Copy of Order Confirmation Copies of Communication with XXXX XXXX  Copy of Credit Report Highlighting Disputed Charge
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are not following the FCRA laws and rules regarding reporting late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exceptas otherwise provided in this subcha pter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the
consumer can exercise that nondisclosure option.
Product: Mortgage

My husband was awarded 100 % VA XXXX in the state of Texas in which he is exempt 100 % from taxes. The county provided a letter stating that we are now exempt from property taxes as of XX/XX/2022. Our mortgage company, Fay Servicing, has stated they were not accepting the letter from the county and would only except a tax bill showing the amount owed for this year. The county has advised that the invoicing does not occur until the end of the year and provided an estimated taxes screen shot, however, Fay servicing is still not satisfied. We are currently having to pay an extra almost {$1000.00} a month in taxes that we legally do not owe and the county has provided a letter stating the fact.
Product: Credit card

Called the number provide informing them of the charge on the card. They canceled then card and was told they were going to send the replacement card with the missing funds. The card never arrived. Called again ( XXXX ) requesting the same thing and they were confused on what i was asking for. Put on hold many times returning back on telling me that it was a charge and to get my funds back i had to send in a letter to an address i did not understand. The amount on the card was XXXX and a charge to the card happened at a gas station in the XXXX XXXX, in the amount of XXXX. I live in west coast.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$4200.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed XXXX XXXX XXXX / XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX a debt payment plan contract offering to pay {$25.00} per month until my debt is paid. XXXX XXXX accepted the terms of my contract by cashing my post-dated check. XXXX XXXX is reporting that my account ( s ) is delinquent on my credit report. XXXX XXXX   cashed my post-dated checks early. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( XXXX ) XXXX XXXX Mastercard / XXXX  Acct # ending in XXXX XXXX Mastercard / XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/2019 According to my XXXX account online records, I owe {$6000.00}. I am not disputing this debt but, my financial situation does not allow me to pay off the debt using the minimum payments that you're demanding. 

I agree that I am able to pay {$25.00} ( XXXX dollars ) on  the XXXX of every month starting XX/XX/2019 until the debt is paid off. I would appreciate a confirmation letter from you documenting your acceptance of my payment terms. However, if I do not hear from you, I will consider your cashing or depositing my check as confirmation that you accept my payment terms. My rights are protected under the law and refusal to accept my payment terms will void/cancel the debt. If my payment terms are rejected I expect the payment to be returned to me immediately in the enclosed self-addressed stamped envelope. 

*** A COPY OF THIS DOCUMENT WILL BE PROVIDED TO XXXX, TRANSUNION, XXXX  & THE FEDERAL TRADE COMMISSION. ***
Product: Mortgage

In the month of XX/XX/2020. I called multiple times to have the Holds released from my account. 

I previously had a three month forbearance on my account that was Paid in Full on XX/XX/2020. 

Since that time I have Paid my Mortgage on time for the months of XXXX XXXX and XXXX. 

On XX/XX/2020 I wrote a letter to Bank if America asking them to release the hold on my Account as I have paid the forbearance and need No further assistance is needed.

Its been more than 60 days and Bank if America still has my Mortgage Account assigned to the Home Retention Department. 

After I mailed a letter requesting my mortgage account be released, I received a letter from Bank of America dated XX/XX/2020 saying my name is XXXX XXXX and she is my customer relationship manager. She further states she is here to help me pursue options with my home loan payments. 

I am Not behind my payments have been paid in time after the forbearance that ended XX/XX/2020. While in the forbearance only one payment was late due to Bank of America losing the payment and processing it late. 

My account number is XXXX. My name is XXXX XXXX XXXX. The property address is XXXX XXXX XXXX XXXX GA. 

There is no reason for Bank of America to hold my account hostage since the forbearance has been paid. 

This hold has a negative impact on my account. First and foremost I can not make payments online and other things. 

This is the Fourth request Ive made to have All holds removed from my mortgage account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and wanted to dispute the unverified accounts. I sent a letter to Transunion disputing the unverified accounts and the bankruptcies on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -TransUnion is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. I received a response from Transunion on XX/XX/2019stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to TransUnion on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got a response from TransUnion on XX/XX/2019 stating that all accounts were accurate and verified but they did not send any proof. In accordance with s.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I sent a third letter on XX/XX/2019 requesting that they immediately delete the disputed information from my credit report. I got a response on XX/XX/2019 from TransUnion stating the same thing. Is like they did not even take my dispute seriously. They sent no proof but are stating the items are reporting accurately. Feeling extremely frustrated I sent out my fourth letter to TransUnion on XX/XX/2019 disputing the unverified accounts and the bankruptcies listed on credit report. I got a response from TransUnion on XX/XX/2019 stating that all accounts were verified and are accurate.. I am now filing a complaint because TransUnion should follow the law when reporting to items to people credit reports. I would like items to taken off my account immediately. Please delete all unverified accounts, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Chapter XXXX Bankruptcy
Product: Debt collection

PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX ) Debt does not belong to me
Product: Student loan

I am the parent of a previous college student who applied for and was given several student loans by Wells Fargo to attend the University XXXX. I was asked to co-sign the student loans which I did. The loans varied in amounts - usually around {$10000.00} - and the interest rates also varied but averaged about 8 %. 

In about 2013 or so, there was public outrage over the high interest rates that college students were being charged, and so Wells Fargo contacted ME to see if I would be interested in consolidating my son 's student loans with a much lower interest rate. I said of course I would. So with the understanding that everything besides the interest rate would basically be the same - the outstanding amount, the term, and the fact that I would still be a co-signer guaranteeing the loan - I signed and returned the documents that were sent to me. 

During the early years of the loan, my son was still a student and had no source of income. So I paid the entire monthly balance myself. For about two years after he left college I continued to make the entire payments since I was the co-signer. Because I was not the student, however, I was not entitled to any income tax deduction for the amounts that I was paying. 

In the last year, my son has become employed and is now capable of making the student loan payment payments himself and receiving the income tax deductions. So I contacted Wells Fargo and asked that the request for the monthly loan payment be sent to him instead of me. I knew I would continue to the be the co-signer and guarantee the loan, but he now needed the income tax deduction for the payments he would be making. Wells Fargo responded back to me saying that when the student loan was consolidated, I agreed to be entirely responsible for the loan and that my son was no longer responsible for payment. 
I told them that I NEVER agree to be totally responsible, especially for a student loan where I was not the beneficiary ( the student ) and for which I received no income tax deduction for my payments. After discussing this with the Wells Fargo Student Loan people for several weeks, they would not budge and will not recognize my son as the legitament holder and beneficiary of the loan. He was the student, not me. He is entitled to the income tax deduction for payments, not me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX 3000 inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting all the violations with experian
Product: Credit card

Iv recently filed a complaint against wells fargo bank about XXXX XXXX a manager. Appearently wells fsrgo is above the law and don't have to respond to complaints filed within our government. 
Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX, FL XXXX They blatantly refuse to answer my complaints. They will not give me a proper resolution. They keep saying sorry and admitted there was problem. This bank needs to be accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received my annual credit report ( via mail ) from Experian ( report # XXXX ). The report contained an account from XXXX XXXX which was reported on my credit report in XX/XX/XXXX, for the first time ( since XXXX ). I noticed that inaccurate and/or incomplete information had been reported. On XX/XX/XXXX, I disputed the inaccurate/incomplete information on this report. The information I disputed was ; ( 1 ) Inaccurate charge off date, causing the account to appear as being re-aged. The account was charged off, closed and sent to a collection agency in XXXX. The account was paid in XX/XX/XXXX and there can not be a charge off date after an account has been paid, ( 2 ) Inaccurate high balance amount ( discrepancy in amount reported, on billing statement and amount paid to settle account and ( 3 ) There was hardly any history reported on this account that was opened in XXXX. The results from Experian 's investigation ( report # XXXX ) were sent on XX/XX/XXXX ( online ). Experian states that the information in the account was updated but the only change I saw was, " Type '' of account. It was previously reported as a " charge card ''. Now it is being reported as " unsecured. '' The reason for this complaint is that the inaccuracies still exist even after their investigation. I have attached documentation that support my claim that the inaccurate/incomplete information I disputed is truthful and in fact still being reported on my credit report. The inaccurate/incomplete information that is still being reported is ; ( 1 ) The account was a charge card account so it should not have been changed to " unsecured, '' ( 2 ) In " Account History, '' there still is an inaccurate charge off date ( XX/XX/XXXX ). The account was paid off before this date ( see payment to XXXX XXXX ). Also, account was closed, charged off and sent to a collection agency in XXXX ( see collection agency ), ( 3 ) The report still contains an inaccurate high balance amount of " {$220.00}. '' This conflicts with the amount shown on billing statement of {$300.00} ( see billing statement ) and the amount of {$380.00} that was said I owed on collection agency letter ( see collection agency ). ( 4 ) The account was not reported on credit report ( since XXXX ) until after I paid it in XX/XX/XXXX. This account was first reported in XX/XX/XXXX with hardly any information in regards to its history and containing the inaccuracies as mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing directly with the credit bureaus, as well as with the original creditor on the way a charge off is being reported on my credit profile.The charge off is from a voluntary repossession. The account reported has multiple inaccuracies and inconsistencies that Violate my rights as a consumer. The way this has been reported improperly on my credit profile for the past 2 years, has hurt my ability to obtain new credit. I requested removal of this account after I noticed that the balance was factually incorrect. I asked the credit bureaus to complete a full investigation of the true balance of this account, everything came back as Verified, and my dispute was closed. I asked the original creditor to send me documents that support the balance that they are reporting, because I had gap coverage for this vehicle in my contract, furthermore the vehicle was sold at Auction in XXXX and I asked them to furnish me the receipt of sale. The creditor responded saying ( In Writing ) They had no way to alternate the way they report, and any discrepancies should be filed with the Credit Bureaus to dispute. I then went back to the Credit Bureaus and disputed the account ( this time with proof attached ) due to inaccurate monthly payment. The account has been closed for 2 years, but still shows a monthly payment due of XXXX XXXX The results came back as Verified, no changes were made, My dispute was closed. I even disputed online and attached proof to the dispute that my Term Length and being reported inconsistently between the 3 Bureaus, XXXX shows Monthly, Experian-48 months, and XXXX-bi-weekly. 
Still no changes were made. In fact, a credit dispute specialist Modified my dispute 's reason, so they would not have to reopen the investigation in light of the new information given. ( I have proof of this ). 
The credit Bureaus have failed to do a thorough and reasonable investigation, and simply parrot information from the Original Creditor. Even though, the Original Credit has been reporting inconsistently between them, and Inaccurate Information.
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 writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time in XXXX, XXXX and XX/XX/XXXX, as verified by the attached bank statement. 
There was no delinquency on this account, and the reported late payment may have been caused by a clerical or reporting error. 
The attached payment confirmation from the creditor further supports my position that the payment was made on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

This is XXXX XXXX.i was searching onling for personL loan company to fix my credit, a pany contactes me afternoon XX/XX/XXXX claimes their name is ( Prosper Llc ) and they staftes the process throuvh phone call to deposit {$2000.00} .00 thwn they asked for my user name and password for my bank account ( XXXX  ) i refused bit they convinsed me for a security reason.in few hours i got the XXXX  at my account .they told me to withdraw fhe money and send it by Bitcoins.i went to XXXX  to use the Atm of Bitcoin.i have all reciepts.untill that moment i dis n't know it was the bank money by Claims..this morning XX/XX/XXXX at XXXX am i recieved a phone call from the company telling me that they deposied another XXXX XXXX  and i have to send it back by Bitcoins.i realised theres something wrong is going on..i checked my bank transaction and it turns to be that they usesy account and claimed for the above mentioned money..it means it was not deposited by them.i contactes XXXX XXXX..my account is gona be minus..i don't have this money and they need a police report.below is the name of the person, phone number and emails andif its possible i can submit all other socuments. 

XXXX XXXX XXXX XXXX They also threaten me to send more moneys but when they knew that i realized its fraud they dissapered