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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX I disputed this account through your online process on XX/XX/XXXX Dear Equifax Team, I am writing to formally dispute the accuracy of certain information in my consumer file, as provided under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

The details of the disputed information are as follows : XXXXXXXX XXXX XXXX XXXXXXXX I noticed my credit reports are reflecting inaccurate information. One report date of the last activity is missing, this fact is considered inaccurate information that has been reported like this for over 3 years. This account needs to be deleted from my credit report effective immediately.

I request a free reinvestigation of this information, as required by law. I believe this information is inaccurate for the following reasons : Date of last activity should be the same. Stop sending stall letters stating you can't locate a credit file, and that the information is erroneous. 

As mandated, I expect the reinvestigation to be completed within the 30-day period from the date you receive this letter. If the disputed information is found to be inaccurate, I request that it be deleted from my file, and that I receive a corrected copy of my credit report reflecting these changes. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Checking or savings account

My Mom, died XX/XX/XXXX, XXXX as executor of her will i made repeated attempts to gain access to her relevant banking information in order to promptly and properly execute my duties. 
to this date i have been unable to gain proper access to settle affairs DESPITE remittance of all requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Product: Vehicle loan or lease

I lost my job during Covid which I had for 24 years. I have been very open about this. I finally landed a Full Time job after working for a temporary agency for a year and half. I had to go 3 weeks before my pay days got squared away. When I called XXXX XXXX he talked over me and treated me very poorly and hung up on me. I almost have the XXXX loan paid off I only owe about XXXX more dollars.
Product: Debt collection

I contacted the company to let them know this account has been previously removed due to ID Theft. The company sent an affidavit to be motorized and returned. The company agreed to remove the debt from my credit report. That was over 60 days ago, they said they would remove it refused to send me anything in writing. I am very upset and requesting the company remove the items from my credit report. They told me I must wait until they report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$39.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 us bancorp bank got a copy of my XXXX report without my conset i did not apply or try to applyy for credit with you guys please remove from my credit report also i will like request proof why you guys feel this is my doing
Product: Debt collection

I offered a settlement payment that was refused through a debt consolidation company called XXXX XXXX XXXX, they've declined all offers and they constantly run hard inquiries on my credit report for the sole purpose of trying to lower my credit rating. That had stopped for approximately 4-5 years now, all of a sudden on XXXX i received a text from Tower Loan in XXXX, MO. At the same time I received a notification of a hard hit inquiry on my credit report done by Tower Loan without my knowledge, authorization, and or approval. So i called the XXXX, MO office and asked why this was done. The office manager XXXX stated that he can do whatever he wants to do until the account is paid, he also stated that he'll do it every month. I told him that the account has been closed since XXXX of 2013 and that the account has been " charged off '' " written off '' proffit loss. He stated that he can do it this no matter what the account says, and that if it doesn't get taken care of then he'll put a lien on my mortgage title since my wife and i are now homeowners. I told him that myself and XXXX XXXX XXXX tried to make a deal and settle with Tower Loan, he responded " not my problem ''. He continued with the threat of me being sued and have a lien put on out home title and that hes starting the paperwork today ( XXXX ) and that he will have me served.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have 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 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 in accurate.
Product: Debt collection

I received a voice mail from fjs global saying I was going to be served law suite paperwork by hand delivery if I did not respond to the voice mail. I called them but did not give them any information they said I was being suited for breach of contract on a credit card I never opened this lady told me the amount was XXXX since I started asking questions.. they had two of my addresses and a place I worked at in 2014 but they could not tell me any other info she told me that she didn't have the information I was asking for.. so I told her I would look on my XXXX credit reports I did not see anything she was telling me.. as I was looking for my fraud report I filed with XXXX they hung XXXX 
I have called them back just to get the name of the company and looked it up with the address they have listed .. did reverse look up and the address is found but not the company..
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 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

XXXX XXXX  XXXX 15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX  Original Creditor ), 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

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 
15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 
15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 
15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Product: Mortgage

home point financial want to keep a cushion amount or percentage of the taxes, rolled into the mortgage, in case the taxes change the next year making mortgage go up considerably.
Product: Credit reporting or other personal consumer reports

XXXX Account Number : XXXX I am making this request based on the belief that the securities related to this account fall within the category contemplated in Section 2.05 of Regulation S under the Act. As such, I kindly request that you consider the following points in support of my application for debt discharge : Category Contemplated in Section 2.05 of Regulation S : I believe that the securities associated with my account fall within the scope of Section 2.05 of Regulation S, which pertains to offerings and sales of securities outside the United States. I request that XXXX thoroughly assess the eligibility of my account under this regulation. 
I, as surety, do stipulate that if you the creditor does not apply the debtors security ( Promissory Note ) as tender of payment and collection, to the account as paid in full or state that you are disclaiming the tender or were unable to get collection from an insolvent debtor, then I shall be discharged as surety.

Deprivation of Rights : My continued obligation to repay this debt is causing undue financial burden and depriving me of my inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. As such, I assert my right to request debt discharge under applicable regulations.

Properly remit enclosed 1099c form by completing and providing me with a copy so I can properly complete my taxes because all cancellations of debt have to be placed on a 1040 tax form. Additionally, please provide copy and documentation that the 1099c has been transferred over to the treasury. Provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX
Product: Debt collection

Southwest Credit System XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. In the amount of {$1800.00}. I have made serval attempts dating back to XXXX of XXXX, making serval disputes against the company. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it.
Product: Checking or savings account

On XX/XX/XXXX, I filed FTC XXXX. The option selected was Identity Theft ; and my TD Bank account ending in XXXX was XXXX of the accounts that the suspect, XXXX, is still attempting to take over. 

Well, now, what XXXX has gone ahead and done on a repetitive basis is switch the debit card or the sim on my card in the midnight hours while I'm sleeping. Every time I leave my wallet in my XXXX XXXX unit, XXXX, he continues to trespass and go into my wallet there, XXXX XXXX XXXX XXXX, XXXX, FL ; or at my Mom 's apartment, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX. Each time XXXX and his team players switch my card, the history becomes " new '' again. So, as of today, I have NO WAY of looking back to anything that is older than 60 days ; and my account was opened by " me '' in person with Bank Employee XXXX back in XXXX of XXXX. 

With that said, there's currently two problems with XXXX different company/organizations. One problem is with the XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. So far, for my XXXX High School Anniversary ( Reunion ) that's taking place XX/XX/XXXX I have paid the {$50.00} Membership Renewal Fee, {$10.00} Registration Fee, and {$35.00} Luncheon Fee. This week, I authorized the Staff Helpers to run my card for {$150.00} for one hotel night, XX/XX/XXXX -the XXXX. Upon doing this, I decided to place the email in my XXXX XXXX Society inbox folder that I created for XXXX. When I clicked on the folder, I noticed the " receipt '' for the XXXX was missing. So, I attempted to look for it via the SEARCH icon in my inbox, and there was no history. Therefore, I emailed XXXX at XXXX regarding this matter and asking her to email me the receipt again. Then I went into my TD Bank online account and pulled up the history ( 60 days ) and the amount {$35.00} came up as cleared. So, I took a screenshot of that and emailed it to XXXX. Yesterday, XX/XX/XXXX, I called the Organization and informed them about the emails and how it's okay to run my card for {$150.00}. 

Well, today, the card still has not been ran and I perceive I'm dealing with a fictitious online account. This is why XXXX continues to tell everyone I'm spending his money and I'm really not! I'm spending money I deposited. The deposits are coming from my self hard earned money. So, if that's not the case, why is he busy trying to steal my luncheon ticket, and pretend he's paying for a hotel room when it's me? Also, why is my XXXX XXXX transaction missing for {$32.00}? I did not make XXXX  transactions with XXXX XXXX on XX/XX/XXXX. I placed an online order for XXXX transaction that contained XXXX items in it. Who deleted the {$32.00} and made it XXXX separate transactions? Since when does that take place?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account XXXX XXXX XXXX # XXXX has violated my rights. 
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: Mortgage

Hello, Our loan was being serviced by NewRez/XXXX  ( XXXX XXXX XXXX - Loan Number XXXX ) at the time COVID impacted my family ( husbands business ). I went into a foreberance plan ( total of a year ) At the ten month point I called XXXX/Newrez to start the process of reinstating my loan. They told me to call back at the 11 month point to start the process. At the 11 month point, I called again to reinstate my loan. By this time, I had an assigned person to may case. When I called the number of the person assigned to my case, I was told that everyone had the same servicer and it didnt matter who I worked with. They gave me three options which included : 1 payback the total amount owed, 2. roll the amount into the loan 3. modify the terms of the loan. I told them I was interested in option # 3 - if I were able to have a more current rate ( 2.5 % -2.7 % ) I would be able to better afford the new added burden of my husband loosing part of his business during COVID on my own. They said that there was no need to submit documentation and the said a modification at 2.7 % rate was available. They said to give them 30 -45 days and they would send me the modification in writing. At which point I would have 5 days to review and sign. At approx. 45 days I started receiving emails and mail notices of being late and not making payments. I immediately called them again. They were very hard to get ahold of but when I spoke to them they said not to worry - all communication was automated, I was still on forbearance and the offer was in the process. This continued for the next months - I would receive delinquency notices, then call, then be told that we were still in forbearance, not to worry and the modification was coming. By end of XXXX I received notice that my loan was being transferred to a new servicer - Shellpoint ( shellpointmtg.com - loan XXXX ) as of XX/XX/XXXX. I immediately called Shellpoint to voice my concerns of my loan being transferred before the modification was agreed to. I've since received a validation of debt notice from Shellpoint and and working with them - at this point they say they say that New Rez has 60 days to send over all info, but still have not received any indication that a modification was even in process.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX XXXX {$18.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$8600.00} XX/XX/XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXX XXXX  XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED WITH THE FTC,,,, I WRITTEN ALL 3 BUREAUS,,, I HAVE WRITTEN THIS CREDITOR ...
Product: Money transfer, virtual currency, or money service

I sent money using the business choice to get goods from an online store never received the goods and have not been able to get in contact with the merchant since XXXX. I sent {$480.00} to XXXX
Product: Checking or savings account

There has been many times where they will not cover overdraft fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounti
ng of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX