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

To Whom It XXXX Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. 

Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

Enclosed are the following documents for your reference : A copy of my credit report highlighting the disputed XXXX XXXX account. 
Documentation from the XXXX XXXX XXXX XXXX showing that XXXX XXXX is not licensed to collect in California. 

I request that you complete your investigation and provide a response within the XXXX timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/2022, my wife and I went into contract to purchase a home with an assumable VA Loan from the seller at 2.25 % APR. A closing date was set for the beginning of XX/XX/2022 due to necessity for the sellers and buyers with a clause that if closing was not met the transaction would be cancelled- a date that was 45 days from the initial contract signing. Initially Freedom Mortgage claimed that it would take 90-120 BUSINESS days to complete the processing of the assumption process even though both my wife and I had excellent credit and money on hand to pay all costs, down-payments. After a complaint from the XXXX XXXX XXXX and threats of legal action by the seller Freedom Mortgage was able to complete the entire processing in approximately 30 days, despite repeated delay tactics on the part of Freedom Mortgage. Due to our XXXX XXXX, my wife and I are being relocated and have signed a contract with another veteran to purchase our home with an assumption of the VA loan at 2.25 % APR. Again, a date was set from initial contract to closing of over 45 days to allow for processing. And once again, Freedom Mortgage is attempting to delay completion of processing by claiming they are short staffed. The buyers have provided all requested documentation to the loan processor and are being told it will take 60-90 days to review the application- even though all documentation was provided with more than 30 days to closing. Assumption loans are actually easier to process because there is no loan origination paperwork or requirements for things such as appraisals since the home and loan are already established and all that is necessary is to ensure the new buyer can take-over the loan with the remaining balance ( payments are fixed and amount of time left on loan is fixed ). However, for Freedom Mortgage a VA loan assumption is not as fiscally lucrative as selling a new loan at the current market rates of 7-8 % APR. A good proof of this is that as soon as we listed our home for sale Freedom Mortgage started calling us to advertise their services in providing a new home loan for our new location ( at market rates of course ) and promises to close in less than 30 days. Freedom Mortgage advertises itself as the number one provider of VA loans that is geared to providing quality service to veterans, yet, when it comes to the processing of VA loan assumptions ( perhaps one of the most important veteran benefits currently with high mortgage rates ), Freedom Mortgage engages in delay tactics and horrible communication to customers. The average time per XXXX to process a VA loan by ALL mortgage companies is 30-60 days. Freedom Mortgage needs to do better for their veteran customers.
Product: Money transfer, virtual currency, or money service

I had some transactions with Zelle where it was fraudulent and the bank I was banking with stated that they couldnt do anything about it because the transaction was with Zelle.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TRIED TO GET THESE COMPANIES TO REMOVE THE XXXX INTEMS FROM MY REPORT, I HAVE SENT DOCUMENTATION OF BEING THE VICTIM OF IDENTITY THEFT
Product: Debt collection

Sunrise credit services randomly sent me a bill for collections from a medical bill I received from XXXX XXXX XXXX. The hospital sent me a different date to pay bill before going to collections. The sunrise company link and phone number do not work. I DO NOT trust this company, they have scammed people in the past. 
They have called repeatedly at odd hours of the day/night and hang up when I answer. 
I have no idea what the collection is really for.
Product: Mortgage

On XX/XX/XXXX, I received a letter from US Bank stating that I lived in a Special Flood Hazard Area, which means I am required to maintain flood insurance coverage. If we do not receive evidence of sufficient flood insurance coverage within 45 days, we will proceed to buy flood insurance for your property. I contacted US Bank and was informed that my garage was not covered. I then contacted my flood insurance company and they stated that the garage was covered and sent the appropriate paperwork to US Bank. 
On XX/XX/XXXX, I received another letter from US Bank, stating that a detached storage building on my property which had a replacement cost of over {$5000.00}, is not covered. It also stated that I had a FHA loan and the replacement cost was determined to be {$12000.00}. I do not have a FHA loan, I have a VA loan. The only storage building I have is a XXXX ft. by XXXX ft. shed that is definitely not worth over {$5000.00}. 
When I called US Bank, today, XX/XX/XXXX, I was told that the storage building was appraised at {$12000.00}, from comparable storage buildings that were XXXX square feet. 
My complaint is that this bank is not using correct data to determine what flood insurance is required to cover my mortgage. In their original letter they state that they will only provide insurance that covers the structure of my home ( the building, walls, floors, roof and permanent attachments ). So why are they now stating that I need additional insurance for a storage shed? I feel like they are trying to take advantage of us in every way they can. We have not had any issues like this before.
Product: Credit reporting or other personal consumer reports

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers XXXX XXXX XXXX XXXX of the following accounts 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  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 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
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate and or information that does not belong to me nor authorized by me. The following inquiry is not authorized by me : - XXXX XXXX XXXXXXXX - XXXX On XX/XX/year> I requested a credit freeze on my file as well as called Transunion.
Product: Checking or savings account

Bank of America has frozen all my accounts from a debt collector who has used very abusive tactics into scaring me about paying the old debt. They are now sending me e mails threatening to close my accounts? And still allowing fees to be tacked on to my checking account. Not allowing me access to my XXXX XXXX XXXXXXXX money that they know I am XXXX and exempt from this. My accounts are frozen and any money that has been deposited is taken from me and frozen. They are still charging fees, and now threatening to close my accounts. Also- they have removed all of my bill pays from my portal. Making it difficult for me to find account numbers etc. please help me this company is malicious and this is abuse!
Product: Mortgage

I was approved for a short sale with my second mortgage lender USAA on XXXX/XXXX/XXXX and have proof of my lenders approval and a XXXX closing statement showing that i was the seller. However, I have proof that XXXX is reporting this and it is showing up as a foreclosure on my credit report under XXXX. I also understand that the " Date Reported '' can appear more recent due to attempts to get my short sale credit correctly coded. This error in credit code and date has impacted my ability to get a new conventional mortgage after my XXXX month wait time frame. It is causing me to not be able to purchase this new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported incorrect information to the credit bureau experien. 

It shows a balance of XXXX $ in XXXX and it shows the month of XXXX installment was paid. 

My next payment is scheduled XX/XX/XXXX. But its reported that XXXX is paid for in my credit report payment history. 

My Balance history for XXXX says XXXX $ and does not have a balance history for XXXX. Yet when XXXX reported my Balance in XXXX it shows XXXX $ in debt. 

It shows that the original balance is less then XXXX $ and specifically states it will not affect fico XXXX 

My fico XXXX score went down due to their reporting nothing has changed on my report for month and my score had stayed the same prior to XXXX reporting a XXXX $ debt. It shows the status of my XXXX account as good standing. 

There is inaccurate and inappropriate reporting going on between XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian and XXXX I also left in comments of my dispute the reasons this account was inaccurate they did an investigation and Experian XXXX left this item as updated which is a violation of CFPB of not 100 % inaccurate information once again my XXXX XXXX XXXX shows XX/XX/23 a {$470.00} balance. My account is closed and ( XXXX ) XXXX balance. 
DO NOT UPDATE ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  {$3900.00} This auto loan was taking out in  XXXX , I paid on this car until  XXXX , this vehicle was then sold by the auto loan company to a auction, they told me I was no longer liable for the vehicle due to no longer having a contract and the vehicle was sold and this company received money for it. I also received a letter from a collection company saying I owe {$1900.00} and still trying to collect debt. This account is now closed and a charge off on my credit, however, they are reporting to all  XXXX  credit bureau 's each month updating on my credit as if im paying the account late on Equifax currently they just reported I was late 90 da ys, 34 tim es and all other credit bureau 's says different amounts. I have disputed this with all  XXXX  credit bureau 's o n two occasi ons, telling them I am no longer liable for this account and I have no contract with this company, I asked ach credit bureau to send me the documents validating debt, along with information showing this vehicle was sold and they received the remaining balance for, they have fail to send me any documents and will not remove this from my credit report.
Product: Mortgage

I applied for a loan modification from Owcen. It came back with the same amount. They called it a XXXX but did not consider that the verified income of XXXX would have a XXXX payment of XXXX .hey came back twice with a payment of XXXX which is 49 % of my income. This dooms me to losing my home. I have been working on this since XXXX 2016.
Product: Vehicle loan or lease

OnXX/XX/XXXX I refinanced to loans from TCF to XXXX. XXXX sent two checks to TCF. TCF cashed both checks but only paid off one loan. I have contacted TCF multiple times but they have not paid off the loan. I have requested a time of resolution but can not get a straight answer.
Product: Credit reporting or other personal consumer reports

In XXXX, I discovered several inaccuracies on my credit reports provided by XXXX and TransUnion, specifically concerning late payment entries inaccurately reported by XXXX. Despite multiple disputes filed with both credit reporting agencies and direct correspondence with XXXX, the issues have not been rectified. 

Initial Discovery and Actions Taken : On XX/XX/year>, I noticed erroneous late payment entries on my XXXX credit report and submitted a dispute. XXXX had previously confirmed these entries were reported in error. 
I sent further communications to TransUnion on XX/XX/year>, emphasizing the urgency of correcting similar errors on my TransUnion credit report. 
Copies of my identification, a complete payment history from XXXX, and utility bills were provided as part of the dispute documentation. 
XXXX 's Response : XXXX acknowledged the errors in reporting late payments but has not provided adequate documentation to the credit bureaus to correct these errors, as confirmed by direct communications. 
Lack of Resolution : Despite providing all necessary documents and following up, as of today, there has been no adjustment or removal of the inaccurate late payment entries by either XXXX or TransUnion. 
Repeated disputes and the provided evidence have been seemingly ignored, leaving the incorrect data on my credit reports, continuing to impact my credit score adversely. 
Requested Resolution : I seek the CFPBs intervention to ensure that XXXX and the concerned credit bureaus adhere to the Fair Credit Reporting Act ( FCRA ) by investigating and rectifying the inaccuracies reported in my credit files promptly. 
I request the removal of all inaccurate late payment entries from my credit reports and a written confirmation from XXXX and the credit bureaus stating that the corrections have been made.
Product: Student loan

I agreed to a compromised amount for my student loan of 10 years that I never knew existed in XX/XX/2018. I began making payments in XX/XX/2018. I called the company that made the compromise with me on XX/XX/2018 and specified I wanted to pay the remaining balance off in full. The representative added the amount up for me and I paid the amount I was told is the FULL BALANCE. He assured me I would receive a paid in full letter in 3-4 days. 3 weeks went by and I had not received anything so I called them back to see where my letter was. They then stated that the representative gave me the wrong amount by {$50.00} and since my compromise was to be paid in full by XX/XX/2018 and was not due to them giving me the wrong information I now owed an additional {$1400.00} in interest and fees. I asked why no one gave me a call in those 10 to let me know THEY had made a mistake and she said she would research the situation and get back to me.
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 has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXXXXXX has XXXX my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXX, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

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: Bank account or service

Regions bank applied un-warranted overdraft charges to my checking account. The balance never went below - {$2.00}. I reviewed my balance daily, balance never went below stated amounts. The bank states items caused {$72.00} in overdraft charges, but never di account from my view show the negative amount they are claiming. I suspect they are intentionally hiding transactions from customers in the name of higher bank profits, I believe it could be termed " Rob-N-the-Hood ''. When questioned why I was never priviledged to see said transactions, they stated in an email on their web site that it was complicated. Consumer rights should always be able to see all transactions presented to bank, not hidden. So since the bank sees this as an incredible profit opportunity, I elect to have refunded to me an amount for comparable amounts, my revenue vs their revenue would be fair. Say {$10000000.00}, no less. This should and most likely is disceptive, illegal, immoral practice on the part of the bank and they need to be punished as such.
Product: Prepaid card

I received a gift card for XXXX from my mother loaded with {$100.00} from Kroger XXXX XXXX XXXX I flew back home after the holidays and tried to use it and could neither log into my account on the website on the back nor make any transactions with it. After calling them, they demanded that I upload front and back pictures of my license, along with a picture of my leasing agreement or my social security card. I do not think the company is reputable or professional and I have no interest in giving them this kind of sensitive information.
Product: Student loan

After months of looking on the AES Success website for a mechanism to pay down the principle on my student loan, I finally chatted a customer service representative to ask. 

The individual informed me that I had to ASK for that feature to be turned on, otherwise, my overpayments would always go toward my next payment amount and the company could continue charging interest on the overall principle. 

If not illegal, this practice is immoral! AES Success should be ashamed of themselves and they should be forced to give clients an option with each payment as other lenders do!
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.