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

I discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) that were affecting my credit report, and I took action to dispute them. Specifically, I found several inaccuracies and violations by credit reporting agencies and debt collectors. These violations include : Willful Noncompliance : Credit information was accepted about me without verifying its accuracy, violating FCRA Section 616, which could lead to civil liability of up to {$1000.00} per violation.

Failure to Disclose My Rights : The reporting agencies failed to inform me about my right to opt out of sharing personal information, which is a violation of FCRA Section 603 ( d ) ( 2 ) ( A ).

Furnishing Inaccurate Information : Debt collectors and credit agencies reported inaccurate inquiries and accounts without proper validation, violating FCRA Section 623 ( a ) ( 3 ), potentially leading to deceptive reporting practices.

Unfair Debt Collection Practices : Debt collectors reported inaccurate debts without my consent and without following the required validation process outlined in 15 U.S. Code 1692g,
which has caused me distress and unnecessary contact from creditors.

Unauthorized Hard Inquiries : Several companies made hard inquiries on my credit report without my written consent, which is a violation of 15 U.S.C. 1681b ( a ) ( 2 ). These unauthorized inquiries were not for permissible purposes, and I am requesting their immediate removal. 

Inaccurate Reporting of Late Payments : Some creditors reported late payments without defining what constitutes a " late '' payment, making the reporting misleading and inaccurate. 

I have formally disputed these issues and requested that the involved parties immediately correct the inaccuracies, validate any alleged debts, and remove unauthorized inquiries from my credit report. If these actions are not taken, I have stated that I will pursue legal remedies as permitted under the FCRA, including seeking civil damages for willful noncompliance.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I request that you investigate and remove the charge-off account referenced below as it is erroneous. 

Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have shown equifax the inaccurate reporting of information on this account ending in XXXX yet they choose to ignore the evidence provided to equifax with the real facts. but they stall me and give me the runaround time after time. I need your help in helping me resolve this consumer issue with equifax.
Product: Credit reporting or other personal consumer reports

aIn 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 168b permissible purposes of consumer reports. 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. 
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 XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Mortgage

I am at a critical point of our home ownership. I have in good faith tried to negotiate a modification for the life of my loan that is fair to the investors, servicer, and my family of XXXX. 
I do understand that the bank does not have to offer or even extend any modification terms. I am not looking for handouts and we are fully aware of the moral hazard implications do not want to contribute to it. 

I have utilized both chapter XXXX and chapter XXXX bankruptcy filings to place my family in a financial position to afford the mortgage, and to avoid foreclosure I have reduced and cut expenses in every way possible. I have utilized every legal remedy to save our home. 

We have been told, by HUD agencies and credit counselors, that our front and rear end ratios regarding our income is sufficient to receive an affordable modification, however, the investor group has rejected every viable option to receive a life of the loan, affordable mortgage solution to date. 

On Wednesday, XX/XX/2019, if no resolution is in place by that time, our home will be sold. 
I have exhausted efforts to achieve an affordable mortgage, because the investors ( XXXX XXXX XXXX XXXX As Trustee For XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates Series XXXX ( Mr Cooper Loan Number : XXXX ), to date, have denied any affordable mortgage for the life of the loan, because they have only extended payment plans that have been temporary and offered no long term solution. 

If given the chance for a fair solution, we will be able to sustain mortgage payments for the life of the loan. I am now at the mercy of the servicer, the investors, and any efforts your office can extend at this point. I pray that the investor team will have compassion and really work to help us maintain our home with a proprietary mortgage modification solution that is long term, affordable for all the stakeholders to include the investor and servicer. Please help, as this will be my last opportunity to keep our home. I hope a final effort can be made for a modification on behalf of my family and our family of XXXX is not displaced. 

Our primary goal is, and has always been, to maintain our home and not displace my family. I realize this is an uphill battle, but I will not be able to be at peace if I do not try to use every possible option until the options have been exhausted for a modification that is for the life of the loan. 

This issue has created tremendous anxiety and uncertainty, and I have the tremendous weight of this burden to ensure the stability of my family. I feel things are starting to cave in around me now. 

If you can make a final attempt for a modification on my behalf, I would like to pursue the optionit is at least worth the effort. 

Please know that all of your efforts and attempts will be greatly appreciated and your advocacy will never be forgotten Please advise. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX Mr. Cooper Mortgage Account # XXXX XXXX ID # XXXX
Product: Mortgage

i made large payments of {$19000.00} and {$120000.00} that were clearly marked as principle only payments. The payments have been misapplied, the new payment has not been adjusted to the correct amount of interest due - instead the company has precharged interest using the larger principle balance that has been reduced. The company has refused to act quickly to resolve the issue. The company ditech has recently within the last 30 days taken over this mortgage from Greentree my previous mortgage company. I need help getting this quickly resolved and penalize the actions of the mortgage company.
Product: Debt collection

Hello, On XX/XX/20 Military Star Card agreed to a settlement amount of {$350.00} and sent me a settlement offer. They then drafted the payment and are still reporting the debt as not paid on my credit report. The collection should be removed from my credit report as they agreed to the settlement. They are also still sending me letters in the mail to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed a major breech of their system, resulting in my personal information being obtained by unauthorized parties, potentially resulting in financial and credit ramifications for my family and me.
Product: Checking or savings account

My checking account ending in XXXX was closed as a result of having a negative balance in the amount of $ XXXX. Pen Fed then electronically transferred the negative balance to my savings account. I called customer service and spoke to a manager by the name of XXXX on XX/XX/23 to ask if they had written consent per the Electronic Funds Transfer Act to transfer to do this. XXXX stated that I signed the signature card and it will be mailed to me. Pen Fed has yet to send me the requested information that bears my signature that I agreed to the electronic transfer of negative funds being placed in my other accounts. The only paperwork that I received was is attached. Pursuant to 15 USC 1693c, disclosures shall be presented at the time of opening the account and shall include the consumer 's right to stop payment of a preauthorized eft and the procedure to stop payment order. This disclosure was never provided to me during the initial opening of this account. Section 205.10 ( b ) of Regulation E, 12 C.F.R. 205.10 ( b ) provides that preauthorized electronic fund transfers from a consumers account may be authorized only by a written, signed, or similarly authenticated by the consumer. The person that obtains the authorization shall provide a copy to the consumer. Also in addition Section 907 ( a ) of the EFTA, 15 USC 1693e ( a ), provides that a preauthorized electronic fund transfer from a consumers account may be authorized by the consumer only in writing, and a copy of such authorization shall be provided to the consumer when made. 

If Pen Fed has proof that I agreed to such transactions, I ask that they please provide this to me as I have requested. If this information can not be provided I am demanding the amount of $ XXXX be removed from my savings account as this was not the account that incurred the overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was reported twice as hard inquires on my Equifax Credit Report. I have never requested credit or loans from this establishment whatsoever. Both occurrences of the hard inquires were generated on XX/XX/2022 as well as XX/XX/2022 as per the Equifax report. I h need these hard inquires removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is in reference to the information provided by th e Collection Agency   XXXX   XXXX   XXXX  in response to my most recent Complaint against the Agency ( #  XXXX  ; see attachments ) regarding the fraudulent debt assigned to it by  XXXX   XXXX   XXXX . I have attached t he USPS tracking inf ormation for Article #  XXXX , which the Agency alleges constitutes proof that I was indeed sent notification by the Creditor via Certified Mail of its plans to impose a claim upon my deposit, as required by Florida Sta tute 83.49 ( 3 ) ( a ).  Note, however, that this mailing was initiated on  X/XX/2016    -- or more than 2 months after the debt had been submitted to t he Credit Reporting Agencies -- in a blatant attempt to cover for the Creditor 's failure to comply with Florida Statutes well after the fact. As for the Agencys further allegation that Florida Statute 83.49 ( 3  ) ( a ) does not apply in situations where the tenant has " abandoned '' or " vacated '' an apartment, clearly the fraudulent notice sent by the Creditor via Certified Mail -- which must have been intercepted by the Creditor itself ( also a violation of Federal Law ) in an effort to prevent me from obtaining proof of its efforts to circumvent Florida Statutes, or else it would have been forwarded to me at my grandmothers residence, as specified in my change of address Confirmation -- is indicative in and of itself that Creditor is keenly aware that the concepts of " abandonment '' and/or " vacating '' are not applicable when the Courts have evicted a tenant and ordered the lo cal Sheriffs Office to take possession of an apartment on behalf of the landlord, as the Collection Agency has frequ ently pointed ou t ( se e attachments ).
Product: Credit reporting or other personal consumer reports

I write to advise that my XXXX XXXX XXXX Bank all contain inaccurate and missing payment, balance, notice of disputes, fatally false date of first delinquency and other mandatory data which is missing from my credit reports as set forth in the attached Experian credit reports. 

I am the prevailing party in arbitration and court litigation for which XXXX  claims have been extinguished under the XXXX XXXX XXXX of Federal Rules of Civil Procedures further automatically staying and barring relitigation and presenting balances above {$0.00} as {$0.00} is owed. 

I have attached copies of inaccurate and incomplete missing payment and balance data which must be presented to XXXX for investigation in detail without providing a meaningless XXXX digit code. 

I request that Experian process this dispute, advise XXXX and other CRAs of the dispute and perform the request investigation which would include hundreds of pages regarding the specific XXXX XXXX extinguishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

This is additional information for complaint # XXXX. 

Today, I spoke with WF Home preservation. They said that HUD was demanding payment of my COVID EM partial claim now, and to read the details of my paperwork. Further, they could not give me any HUD information and had to contact HUD. However, their system lists that they completed the partial claim process on XX/XX/XXXX. 

After I spoke with HUD. HUD reports that WF did not process the paperwork for the COVID EM partial claim and had 90 days to complete from the date of closing XX/XX/XXXX. HUD did authorize the funds for the partial claim. Further that HUD is not demanding payment of the partial claim now as WF ( home preservation ) told me today. HUD said it was up to my new lender if they wanted to do conventional or FHA and subordinate the HUD claim. 

It is just as I thought. They have not completed the process and trying to get me to pay it because I am refinancing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My PII was stolen and lost due to monumental incompetence and negligence by XXXX. Executives sold their stocks before letting us know, how is that not insider trading? They 're also charging people to take measures to fix THEIR mistake, and now TransUnion is intentionally complicating the freezing process by putting their worthless ID protection in our face and deterring people from freezing. No corporate entity should be allowed to have this much control over this much sensitive information, and all of these execs that knew this was coming need to be locked up.
Product: Mortgage

I am writing to request correction of the error described below for property address : XXXX XXXX XXXX XXXX, CA XXXX Payment Error : Lakeview Loan LLC have been over-drawing {$140.00} ( MIP ) from the Escrow account, and somehow I see that we are paid up till XXXX. We currently have a principal balance of {$160000.00}. We borrowed appproximately {$220000.00}, so we are at 71 %. 
Isn't MIP supposed to be eliminated at 80 %? 
And how does the co. arrive at {$140.00}? Is there a percentage?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to update me from being listed as late on these accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunions job for them to shield my credit & prove my identity, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureau shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX