23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX {$4300.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Americollect violated my HIPPA RIGHTS by somehow WITHOUT my verbal or written permission gained access to the procedure I received during a hospital visit. Nothing in any of my previous complaints against this company explicitly meany with plain language givea them the permission to access that info. XXXX XXXX XXXX should be very ashamed for divulging personal medical info without speaking directly with the patient. Medical info is highly protected. I DID NOT AT ANYTIME WHATSOEVER give AMERICOLLECT access to that private info. The only info I was aware they had was what was the amount of the debt. What they have done can not be allowed to happen to anyone. This is a blatant display of A HIPPA VIOLATION. 

Please see attached for further statements on it.
Product: Credit reporting or other personal consumer reports

I was notified yesterday that I had multiple deroogatory payments with this comapny and it destroyed my credit. I have been on autopay for over a year with the original company Byte and since being switched to Westlake I have never gotten a notification about a late payment. I told them If a payment was missing, I would pay it but I need the derogatory accounts to be removed becauyse they had two of my payment methods on file which were supposed to be automatically charged. I had sufficient funds in both accounts during this period so the issue lies with Westlake and not me. 

This was on autopay yet I have gotten four 30 days late and one 60 days late frfom them on my sttement without any prior warning or notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself, and to inform you that there is no third party involved in the process. I have attempted many times on a consistent basis to get the issue resolved with Equifax. Equifax has not complied with the Fair Credit Reporting Act 15 USC 1681 within the time allotted by law and has continued reporting the inaccurate and incomplete account to my credit report. On the report, it states the account was closed XX/XX/2021, but also states a payment was made XX/XX/2021, with a balance. Equifax is stating a payment was made on a totally different datr mm. Equifax is reporting a chargeoff only on payment history. There is no way a C/O can be reported as payment history. It's completely wrong and I do not agree with what they are doing. The FCRA states that all credit reporting agencies must report identical information and complete an investigation in 30 days yet this has not happened. However, Equifax is reporting incorrect information which they have been doing for months. I do not agree and what's being reported is not lawful. At this point, Equifax has affected my ability to obtain credit. I have not gotten any assistance whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX Bank {$420.00} Date Opened XX/XX/XXXX XXXX XXXX Bank Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} OHIO XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX OHIO XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  BANK XXXX XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps on lowering my credit score with no explanation in the report # XXXX your stating that your company is not done with investigation that's not what I'm addressing explained why your company lowered my credit score in there different occasions, Equifax lowered my credit score 2 times in XX/XX/2022 & XXXXh one time all 3 times with no explanation why they lowered my score!!!!! If your not done with your so called investigation why did my credit score go down on three separate occasions? No explanation
Product: Credit card or prepaid card

American Express reduced my credit limit in half, now making the card over 90 % utilized. They claim this change took place due to an automated account review by their system, that there was no human review. Now in order to increase the credit limit to it 's original limit. I am forced to pay or send pay stubs within 30 days so that a 90 % utilization is n't reported to the credit bureaus. This is unethical and just poor customer service. If the CFPB can not help resolve this issue I will pay the card in full and close the account. I am a new customer and have only had the card 1 year, closing this account with this short history will not adversely effect my scores. I would also like to note that I have never been late or missed a payment, this is acknowledged by this credit issuer. I spoke with XXXX a supervisor and a Manager XXXX XXXX on X/X/2017. Who were both slightly rude and refused to restore the cards original limit. Amex says to pay or submit paystubs. This is a forceful bully tactic, I have other cards with now higher limits and better customer service. My income and employment status has NOT changed. I should n't have to jump through hoops to appease Amex because the demand it.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX, XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX number : XXXX XXXX number : XXXX XXXX XXXX number : XXXX XXXX XXXX Number : XXXX
Product: Mortgage

This is the second complaint filed regarding XXXX XXXX XXXX XXXX, specifically the servicer Bayview Loan Servicing who never responded to my original complaint. I applied for a loan modification earlier this year with XXXX XXXX XXXX XXXX. The modification process was being serviced by Bayview Loan Servicing. The purpose of my request for the loan modification is that my mortgage payment is {$770.00} with an interest rate of 6.750 %. I live on Social Security and can not afford the payments. The bank is willing to adjust my mortgage by only {$84.00} per month while keeping the interest rate at the same rate of 6.750 % .. The reason they gave was that I had equity in my home. They said my " loan to value '' ratio exceeded 80 % and they valued my house at {$100000.00}. I completely disagree with their valuation as the price opinion based on erroneous information. The broker noted my home as being a 2 bedroom, 2 bath home with a pool. This is false. I have a 2 bedroom home but only 1 bath and no pool. I live in a rural area. The 3 comparable listings they used had either more bedrooms or more bathrooms than my home. These other homes all have more rooms than mine and are priced above {$110000.00}. Since my home is smaller with fewer rooms it should be valued at significantly less than that. It 's noted that the average time on the market is 120 days. The 3 homes were listed for 4 months, 5 months and the 3rd at more than 7 months so the 120 day figure is inaccurate. Additionally since those 3 homes have not sold their list price should not be used as a barometer for what my home is worth. Of the comparable sales they cited only 1 property sold in excess of {$100000.00}, the other 2 were at {$74000.00} and {$75000.00} respectively. The high sale had a 3rd bedroom and was 1800 sq. ft. My house is only 1122 sq ft. I 'm not sure why they would say my house that has fewer bedrooms and is significantly smaller would be valued at nearly the same price!. Finally their report shows the condition of my house to be good. I live in a log cabin. The logs need to have a varathane coating for protection every couple of years. I have not been able to do this. I have a septic tank that needs attention and the home has a well pump and pressure tank that has not been replaced since the house was built over 20 years ago. There is other deferred maintenance including tree removal and roof repair. I live in a mountainous are and have no central heat..I use a wood burning stove for heat in the winter. None of this was factored into the valuation of my home and the only house to sell over {$100000.00} is not nearly close to what my house is. The other sales make much more sense. We disputed the price opinion in writing but Bayview did not listen and did not order a reappraisal Finally, Bayview referred my loan to an attorney to start foreclosure which while I was disputing the inaccurate price opinion and continuing to get my loan modified. This was in violation of the California Homeowner 's Bill of Rights as it is considered dual tracking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous 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 first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$570.00} and XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$0.00}.
Product: Payday loan, title loan, or personal loan

Took out loan for XXXX in XX/XX/2018. Has taken XXXX per week out of my bank account and balance shows that I owe XXXX. Even with interest I have well overpaid this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  Balance : {$4300.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00}
Product: Checking or savings account

I was supposed to be paid on Thursday from my job. Still didn't come. Actual payday is Friday. And it's now XXXX on Friday night and i still haven't received my paycheck.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Recording Act Child Support Enforcement Acct # XXXX XXXX and XXXX Acct # XXXX has Violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me
Product: Debt collection

A company called professional Finance Co, based out of Colorado has falsely reported that they are collecting a debt in my name in the amount of {$480.00} from XXXX XXXX XXXX. I believe this is a scam created to falsely make people think they owe money and try to scare people into paying. I have never had an account with any XXXX XXXX XXXX, nor ever received any communication from this bank, nor any communication from Professional Finance Co the collection agency regarding this matter, yet they reported this on my created report on XX/XX/2019. I have reached out to the agency in writing regarding the matter but never received anything back, I have filed a dispute with the credit bureaus but they did not correct the matter on my credit report. The CFPB should look into this scam as a quick XXXX search has yielded results where others are being scammed in a similar way as I.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFDB findings against Navy Federal for similar practices, where transactions settled with in sufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.
Product: Mortgage

My current subprime mortgage provider is OCWEN. I have a 15 days grace period to pay without late fees. However, it is only available before and up to 10 days after your due date. Between the XXXX15 days in order to pay online, we are charged a {$10.00} fee. I have tried mailing my payment to avoid the {$10.00} fee but always they claim they did n't receive it which makes it worst because then it is a 5 % late fee. If I have a 15 days grace period then it should be free to pay online.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Fair Credit Reporting Dispute Concerning Deceptive Practices and Violation of the Privacy Act of 1974 On XX/XX/XXXX, 2023, ONE MAIN FINANCIAL claimed that I was pre-approved for a loan with their company. However, after being pre-approved, they ran my credit without providing me with full disclosure regarding collateral securitization. Subsequently, ONE MAIN FINANCIAL informed me that in order to qualify for the loan I was pre-approved for, I would have to use my personal vehicle as collateral. During the pre-approval process, I was never informed that my personal vehicle would be required as collateral for the loan. The ONE MAIN FINANCIAL affiliate or representative agent explicitly stated that the loan would be based solely on my job and income. This practice is considered unfair, deceptive, or abusive ( UDAAPs ) as it attempts to cause significant financial injury by damaging my credit reputation and eligibility. According to the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services, or a service provider, to engage in any unfair, deceptive, or abusive act or practice. 

Moreover, since I was not provided with full disclosure regarding the use of my personal vehicle as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my vehicle as security for any debt. Due to their deceptive practice, I did not authorize ONE MAIN FINANCIAL to share my personal information with any third party based on false pretenses. 

ONE MAIN FINANCIAL has violated 15 U.S. Code 6802 and has failed to fulfill their obligations regarding disclosures of personal information. They have also not provided me with an OPT OUT notice before adding any positive or negative information to my consumer report.

Furthermore, ONE MAIN FINANCIAL violated my privacy by obtaining a credit report without a permissible purpose. I should have been informed prior to the credit inquiry that my personal vehicle would be used as collateral for a secured loan.

Additionally, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as XXXX XXXX  and XXXX  are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information. XXXX  has reported this information in my credit profile, contributing to the damage of my creditworthiness and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX I lost my job due to the COVID situation. I emailed XXXX  XXXX explaining my dilemma. Shenmae a representative from XXXX  XXXX informed me that if I was impacted by COVID-19, we can extend your payment dates up to 60 days from your originally scheduled payment date. These payments will be reported as on time to the credit bureaus and will not accrue any a late fees. 
Things to consider : If your payments are already past our standard 29-day grace period, we will give you an additional 60 days to avoid any further damage to your credit report. However, please be aware that your current past-due status will still apply. 

You can always reach back out to us after the 60-day window if you still find yourself impacted by COVID-19. 

I made my first payment on XX/XX/XXXX, then on XX/XX/XXXX I reached out to XXXX  XXXX regarding my first payment and why my payment wasn't being accepted. My checking account and debit account was entered correctly, so there shouldn't have been any reason why my payment wasn't processed. And I never received a follow up regarding this matter. 
Every weeks XXXX  XXXX would automatically draft out my payment but for some reason their system would always reject my payment. Then I got laid off from my job in XXXX. I asked them if there's any help that I can get, and thats when they told me since I was in a 29 day grace period they will give me an additional 60 days.