23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including Consumer Reporting Agency. regarding " LATE PAYMENTS '' The law is very clear as to the Civil liability and the remedy available to me 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 and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint. 
Any further contact regarding LATE PAYMENTS by you, your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights. 
I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual. 
Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account. 
This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights. 
I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response. 
Task that you respect my consumer rights.
Product: Checking or savings account

We have repeatedly contacted Wells Fargo Bank to assist us with a wire transfer that we made to a fraudulent company. This began on XX/XX/XXXX. We contacted them about the fraud on XX/XX/XXXX. The wire transfer was made to a XXXX XXXX Account. We also contacted XXXX to advise them of the fraud bank account. I filed a complaint through CFPB # XXXX and XXXX XXXX responded asking for Wells Fargo to provide a Hold Harmless/Indemnification form for the return of our funds in the amount of {$27000.00}. We provided the letter to Wells Fargo branch Manager in XXXX XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX, email : XXXX, on XX/XX/XXXX. Mr. XXXX stated he would forward this to the Financial Crimes Analyst who was handling this and they would be in touch with us. As of today, no one has contacted us or has provided this document XXXX is requesting to get our money back. A name of the person who is handling this was not provided to us by Wells Fargo. We have been shut down by Wells Fargo regarding an investigation into our very serious matter. On XX/XX/XXXX they mailed us a letter stating they are unable to return the money to us. The claim is # XXXX. Letter sent by XXXX XXXX, Financial Crimes Manager, XXXX. We received the XXXX letter through your service on XX/XX/XXXX, not directly through XXXX. We are asking your assistance with Wells Fargo to have them complete this agreement XXXX is requesting so we can get our money back from this fraud company that is a XXXX XXXX   account holder. Thank you for your assistance
Product: Money transfer, virtual currency, or money service

Two ACH transactions that occurred on XX/XX/2021 in the amount of {$500.00} each to Binance US /Custodian ( XXXX XXXX XXXX XXXX which never get credited to my Binance account. 

transaction # 1 On XX/XX/2021 {$500.00} credit to XXXX XXXX XXXX XXXX XXXX the tracer number is XXXX transaction # 2 On XX/XX/2021 {$500.00} credit to XXXX XXXX XXXX XXXX XXXX the tracer number is XXXX I have attempted to email their customer support Binance/XXXX  XXXX but never got a response back. I have submitted two support tickets about this issue with Binance US for months but they don't respond to my support request ( Binance support ticket # XXXX and support ticket # XXXX ) I would like to file an official complaint about the fraudulent activity with custodian XXXX XXXX XXXX and Binance US.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX IS A FRAUD ACCOUNT AND I HAVE SUBMITTED THE FTC DOUCMENTS CONCERNING THIS ACCOUNT.THIS ACCOUNT HAS ALSO BEEN REMOVED BY XXXX XXXX XXXXXXXX XXXX XXXXXXXX IS A FRAUD ACCOUNT AND I HAVE SUBMITTED THE FTC DOUCMENTS CONCERNING THIS ACCOUNT.THIS ACCOUNT HAS ALSO BEEN REMOVED BY XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX IS A FRAUD ACCOUNT AND I HAVE SUBMITTED THE FTC DOUCMENTS CONCERNING THIS ACCOUNT.THIS ACCOUNT HAS ALSO BEEN REMOVED BY XXXX XXXX AND EQUIFAX XXXX IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER- XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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: Mortgage

Paid mortgage online to Bank Of America on XX/XX/24. Their system had a glitch and withdrew 2 payments in error. When contacting BOA ( XXXX from TX ), he tried to insulate that we paid twice in error and our bank ( XXXX XXXX ) can confirm. I asked him to review our account history and confirm that we have NEVER paid twice. He said to contact our bank to confirm and they will determine who is right. Called XXXX  and they said the same thing as they wouldnt know BOA system had a glitch and said they see their system pulled 1 payment correctly and the 2nd payment is in Pending status and the funds are unable to use. Said this was an unauthorized charge, but XXXX policy is if its over {$500.00}, its gon na be up to 30 days to stop and reissue, but they said to sit back and Wait & See if BOA takes their 2nd payment claim back. Called BOA back and the lady filed a claim for a refund as she said XXXX entered notes saying we made 2 payments in error. She advised itll take up to 10 days to refund back IF they took the payment. This is IMPOSSIBLE to get our money back and will be getting slammed on fees now!
Product: Student loan

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections XXXX XXXX {$840.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$840.00} High Balance {$840.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1100.00} High Balance {$1100.00} Remarks Consumer disputes this account information XXXX XXXX {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks -- XXXX {$2000.00} XXXX XXXX  {$17000.00} XXXX  XXXX XXXX {$3400.00}
Product: Debt or credit management

In XXXX of XXXX  I responded via an XXXX number to a mailing to finance a loan at a reduced interest rate. The person ran a check on my excellent credit and said it was not good enough for a loan and offered this other service I was unfortunately not well informed about to re-negotiate my old loans at a better interest rate. I was up to date on these loans, but was promised that their lawyers could get me better shorter terms at a reduced interest with LevelOneLaw. I was told to stop paying on the loans and that it would reduce my credit score for XXXX to XXXX months. After signing up in XXXX, I set up my account on their web site, uploaded correspondence from my loan accounts and made several attempts to reach 'customer service ' but was never able to get through. I was told they would send out power of attorney letters to these loan accounts, but that never happened. In XXXX, I got thru to Customer Service after waiting on hold for an hour. After noting some bad reviews about Level One Law on the internet, I feared I might lose my money as well as my good credit if I continued to try to work with them. I put a hold on their automatic withdrawals of $ XXXX and asked to be terminated from the program. I wrote an email to customer service to request that they return of my money since it was clear from the information on their website that they did not contact any of my accounts. From the {$1800.00} I paid them, they returned {$590.00}. I realize that I was misinformed and should have done more research on this before engaging this company, but I trusted the initial contractor who was at the other end of that XXXX number on the mailing I received ( XXXX XXXX at XXXX who's phone is no longer in service ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Please update.
Product: Mortgage

InXX/XX/XXXX my former husband and I contracted with XXXX XXXX to install an inground pool. For which we secured a loan in the amount of {$15000.00} plus through XXXX XXXX which is now Ditech. XX/XX/XXXX we increased the amount of the loan to {$18000.00} plus so we could include a fence. Instead doing a modification on the loan they recorded a second deed of trust without releasing the first. In XXXX when the loan was satisfied they issued a certificate of satisfaction and referenced the loan number and account number of the 2nd deed of trust but referenced the deed book and page number of the original deed of trust. 
I am trying to refinance my home and my title company XXXX XXXX found these 2 unreleased deeds of trust in a title search. I have been calling Ditech daily and have emailed since XX/XX/XXXX to try to clear this up without any success. Customer service is very rude and the lien release dept has no phone and will not respond to emails. I am not able to close on my refi and am in danger of having my rate lock expire. My title company XXXX XXXX has emailed and faxed all the information over to them to explain what is wrong and what needs to be done to correct this but Ditech still can not understand and to my knowledge has not done anything to rectify this problem. We requested a letter from customer service referencing both account number that these accounts have been paid off and they have intent to release but after a few attempts and still not receiving what we need I feel these deeds of trusts will never be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped 31 points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called Equifax last month ( XX/XX/2018 ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX XXXX number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the financial manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX Sheriff 's Dept to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.
Product: Debt collection

There is a XXXX XXXX collection that just appeared on my credit file that does not belong to me. A year or so a ago another collection company reported a XXXX XXXX collection which I fought and now here we go again. How do I stop this from happening?
Product: Money transfer, virtual currency, or money service

I am filing a Complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I opened an auto loan account with Santander. During XXXX, I was not able to maintain the loan and the vehicle was repossessed. I believe my last payment was made in XX/XX/XXXX (? ). The account has apparently been sold to XXXX who appear to be reporting this account as new and delinquent, which is having a significant impact on my credit report.
Product: Credit reporting or other personal consumer reports

I have made several attempts to remove invalid " debts '' and inquiries reported by XXXX XXXX from the reporting agencies and all of the reporting agencies failed to provide the process in which it was " validated '', the contacts they validated it with and the signed contract along with the XXXX XXXX. They have failed within 30 days and are in violation of the FDCPA. 

I have sent a XXXX XXXX XXXX XXXX XXXX XXXX XXXX charges to the CEO, XXXX XXXX XXXX who is in receipt of attached letter on XX/XX/year>. 

If the reporting agencies and CFPB do NOT remove the negative reports, they will be added to the lawsuit for aiding and abetting the crime of fraud and XXXX. These agencies are ruining lives for money and it is coming to a halt. 

Either verify and validate these so called debts or you will be sued in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Transunion, XXXX  and XXXX, it seems that credit cards and other inquiries have been carried out with me requesting them. It seems that the card company periodally do this and it affects my credit. Then it lowers my credits score when I pay my bills on time, I have recently paid off two cars and mortgage has never been late. I can not understand why on all my credit reports it show a low credit score. The companies that have recently conducted inquires on my report is what I am referring too. Please review this, these errors need to be consider and changed. I believe that my credit score is really too low for someone that pays there bills on time. Thank you
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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, credit repair services, or other personal consumer reports

accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. UNDER 15USC1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. UNDER 15USC1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER PLAN AS LATE FOR ANY PURPOSE.
Product: Mortgage

OCWEN LOAN SERVICING , LLC IS COMMITING FRAUD BY INCREASING MY MONTHLY MORTGAGE PAYMENT FROM {$1400.00} TO {$5200.00} PER MONTH. I AM BEING ASKED TO PAY THIS PAYMENT ON XXXX/XXXX/15. IF I DO NOT PAY, MY HOME WILL BE FORECLOSED ON. SEE ATTACHED FRAUDULENT ESCROW ANALYSIS. I complained on XXXX/XXXX/15 to XXXX, ID XXXX and XXXX ID XXXX but no result. was promised by XXXX that he would call me in XXXX to XXXX business days but neither him or anyone else from Ocwen has contacted me. He acknowledged that the escrow analysis was incorrect as it reflected disbursements of {$50000.00} instead of {$7800.00}.
Product: Debt collection

**Complaint Against Columbia Debt Recovery** I am filing a formal complaint against Columbia Debt Recovery for unlawful debt collection practices. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, it is illegal for debt collectors to use false or misleading representations in collecting a debt. Columbia Debt Recovery has added excessive charges and fees that exceed the original amount owed to the rental company, violating this provision.

Despite my numerous disputes regarding these inflated charges, Columbia Debt Recovery continues to impose additional fees without proper justification or disclosure. This behavior not only violates my rights as a consumer but also contravenes the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) regarding the accuracy and integrity of debt reporting. 

I request immediate action to address this situation, including the cessation of all collection activities and the removal of any inflated charges. I have attempted to resolve this matter multiple times directly with Columbia Debt Recovery, but they have failed to respond appropriately. 

Thank you for your attention to this serious matter.