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

I have already resolved the payment with Sterling Credit Corp as of XX/XX/20, but the payment of {$730.00} still appears on my credit report. Sterling Credit Corp tells me to call XXXX XXXX XXXX XXXX to remove it from my credit report. When I call them they tell me to call Sterling Credit Corp . I can not get to anywhere, nobody is trying to help me.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance to recovering a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX  XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. 
the XXXX XXXX Rights and Privacy Act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information.
Product: Mortgage

I divorced in XXXX at which time all mortgage liabilities were transferred to my ex wife.The mortgage in question was a second mortgage on her primary residence with Great Western Bank. This mortgage went into foreclosure after our divorce at which time Great Western Bank sent a letter of reinstatement to my ex wife, in her name only, with an offer to reinstate the mortgage and accept a {$20000.00} grant from Ohio Save a Dream. The reinstatement offer letter demanded that I also sign the " CIT '' " Change in Terms '' documents which were sent to the closing with the Save a dream  grant. This closing took place in XX/XX/XXXX My ex wife informed both Ohio Save A Dream and Great Western Bank ( and their legal firm/XXXX XXXX ) that I REFUSED to sign a " CIT-Change in Terms '' I also did not attend this loan closing for the grant or reinstatement. Although I refused to comply with the " CIT-Change in Terms '' reinstatement requirements or accept the grant funds for the {$28000.00} in legal fees charged in connection with this reinstatement, Great Western Bank continues to hold me as the SOLE signer obligated to this mortgage and has filed collections against my credit which has negatively impacted my credit score and causing me irreparable financial damages. <P/>My ex wife and myself have contacted Great Western Bank, ( XXXX XXXX ) and XXXX XXXX XXXX ; all parties involved in this transaction to no avail. Great Western Bank allowed this reinstatement without my signature or consent although it was demanded as a prerequisite for this mortgage reinstatement. <P/>I am requesting a full investigation into this matter and the removal of this illegal charge against my credit report. I am in no way obligated to pay for this mortgage per my divorce decree which was given to Great Western Bank/XXXX XXXX XXXX and per my refusal to sign the " Change In Terms '' agreement as demanded in the attached letter from Great Western Bank/XXXX XXXX XXXX  This company continues to harrass me and refuses to correct my credit immediately although they have clearly violated my consumer rights and protection under the CFPB policies. <P/>
Copies of the signed Change in Terms and reinstatement closing documents have been requested from all parties however Great Western Bank/XXXX XXXX XXXX and XXXX XXXX have refused to provide these documents. I also request the CFPB investigate all parties to this claim. Each has violated my rights and impacted my credit rating irreparably due to this negligence.
Product: Mortgage

I am very disappointed that the CFPB was unable to provide any help or assistance for the past XXXX years regarding the serious problems I have had trying to modify ny Wells Fargo home Mortgage. from the " XXXX XXXX straight through until the edn of XXXX XXXX, XXXX years. 
I have provided an education and a narrative of events, providing XXXX modification applications to Wells Fargo, without any results. 
All I have received back from CFPB is a mirroring back, as a parent does to a small child, from CFPB representatives. A complete and utter waste of my time. 
Wells Fargo has provided me is " we are looking into the matter '' and " we have provided results previously ''. 
A silly, uneducated person from Wells Fargo, with a fake name stated, " Someone has credited your account with {$30000.00}. It's up tyo you to find out who it is. '' Wells Fargo stated, " The {$3.00} XXXX XXXX is a XXXX XXXX, sorry. '' Don't take this an an insult, but my experience : the CFPB has been rendered Impotent.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.
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 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 an 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

In XXXX of XXXX I had fraudulent activity go through my account with Bank of America I reported the fraud and got an internet claims number but was unable to file claim on the checks that were in my account as they had not posted yet unbeknownst to me Bank of America and XXXX XXXX violated my privacy by going into my account without informing me of them doing so and closing all accounts both personal and business affected and unaffected they also reported me XXXX early warning as someone who has been tried and convicted of defrauding the bank in XXXX of XXXX I was made aware that I was being investigated for fraud buy a detective XXXX XXXX of the XXXX XXXX XXXX XXXX Department I was also informed at that time that the XXXX XXXX XXXX XXXX Department and the XXXX Indiana Police Department we 're looking for me regarding this matter it was not until XXXX XXXX that I learned of the officers and of the investigation and charges being brought up against me stemming from the accusation from Bank of America and XXXX in XXXX of XXXX when I reported the fraud Bank of America and the XXXX department did nothing to help me resolve this matter they threw their customer under the bus and did nothing when I learned of the reporting to early warning I wrote a letter to Bank of America asking them to remove me from the early warning as the reporting is wrong Bank of Americas rebuttal statement was more toward severing the banking relationship between myself and Bank of America however no mention of the officers or the municipalities or the investigation was even entered into these notes since that time I have worked closely with all three municipalities and have shown them proof that I did not do a Bank of America 's XXXX has accused me of to this day Bank of America and the XXXX department has refused to respond to all three municipalities including the lead investigating XXXX detective XXXX XXXX from the XXXX XXXX XXXX XXXX Department as well as detective XXXX rats of the XXXX Indiana Police Department both detectives have informed me that they have tried numerous times to get Bank of America to respond so that Bank of America can be informed that I have been cleared of any wrongdoing I have asked Bank of America to modify or remove their negative reporting to early warning as I have not committed any type of fraud and I do not wish to ever have any type of banking relationship with Bank of America or its affiliates I have provided proof beyond a shadow of a doubt that I did not do what there Bank of Americas XXXX has accused me of therefore I feel they should remove the negative reporting to early warning and or modify it so that my other bank can open up accounts for both my business and my personal also I am requesting that Bank of America and XXXX XXXX respond to the officers and the municipalities so that they can assist me further in my identity theft proceedings and keep assisting me to clear my name of the wrong doing which was caused by the negligence and gross misconduct Bank of America and their XXXX team
Product: Credit reporting or other personal consumer reports

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: Debt collection

It has been brought to my attention by way of my credit reports ( XXXX, XXXX, XXXX ) that an alleged amount is owed on a debt to XXXX XXXX XXXX and Santander Consumer USA .... 
Per my credit reports ( XXXX, XXXX, XXXX ), Santander Consumer USA closed and charged off this account XX/XX/XXXX then showing a payment of {$62.00} was made XX/XX/XXXX. 
Understanding the credit report says closed and charged off XX/XX/XXXX, so how could a payment of {$62.00} be made XX/XX/XXXX to Santander Consumer USA? 
I am filing a complaint for this inaccurate information being reported on all XXXX of my credit reports that is affecting my creditworthiness, according to Fair Credit Reporting Act, 15 U.S.C. 1681 consumer files are to be promoted with accuracy and fairness. Therefore, please delete the entire account from all XXXX credit reports ( XXXX, XXXX, XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX Original creditor name XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Product: Vehicle loan or lease

The auto was repossessed XX/XX/2015 the payment history is inaccurate I didnt have possession of the vehicle and their are missing monthly account balances in report! They are charging late fees for 2 years and storage and showing payments made as late for the two years they are charging fees for and missing payments information inaccurate dates of sale and payment information! Date of first reported is different on every report and date of charge off is different than new report dates! Missing payment information and inaccurate payment information
Product: Debt collection

On XXXX/XXXX/2016 I received the following series of emails from a company called TruAccord who was initially collecting on a debt for XXXX XXXX which is me but they later acknowledge my cease & desist request calling my XXXX ( my ex-husband ) and continued to try and collect from, this company has no idea who owns the debt is trying to collect from one of us but neither of us owe it : " XXXX XXXX XXXX XXXXXXXXXXXX XXXX Unsubscribe XXXX XXXX ( 2 days ago ) to me This is an important message for XXXX XXXX. If you are not them, please disregard and delete it. 

XXXX XXXX XXXX XXXX ( owner of your XXXX XXXX balance ) feels like you 're taking advantage of them, and they 're kind of right. Let 's just take care of this balance now and be done with it. It 's not like we 're going to give up on this. 

Can you pay now? 

Thanks. '' I responded with a Cease & Desist order on XXXX/XXXX/2016 as follows : " XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 1 day ago ) to XXXX Well let 's see if you can handle this! 

This is your official notice to cease & desist immediately. If you continue to harass me for money I do not owe, I will contact my attorney. DO NOT CONTACT ME VIA EMAIL, MAIL OR PHONE AGAIN! IF YOU DO, YOU WILL BE IN DIRECT VIOLATION OF FDCPA LAWS & I WILL SEE YOU IN COURT! 

THIS EMAIL REQUIRES YOU TO IMMEDIATELY CEASE & DESIST ALL CONTACT WITH XXXX XXXX! FAILURE TO COMPLY WILL RESULT IN A COMPLAINT BEING FILED WITH THE FTC. ALL EVIDENCE WILL BE SUBMITTED WITH THE COMPLAINT. IN ADDITION, CONTINUED CONTACT MAY ALSO RESULT IN A CIVIL LAWSUIT BEING AGAINST THE INDIVIDUAL COLLECTOR, YOUR COMPANY AND ANYONE INVOLVED IN YOUR ATTEMPTS TO COLLECT THIS FRAUDULENT DEBT. 

I hope I 'm making myself clear! 

Good day! '' TrueAccord then acknowledged my cease & desist request but replied to XXXX ( my ex-husband ) after stating this was my debt in the 1st email and continued to try and collect this debt from me in the email received below on XXXX/XXXX/2016 : " TrueAccord Support XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 5 hours ago ) to me Dear XXXX, We have processed your request and will no longer contact you. 

We can stop communicating with you about this debt, but you are in a debt collection process with XXXX and we are the collectors. We strive to do our best to help people in debt, and we can help you too. 

Getting us to stop communication does n't invalidate the debt. It does n't stop interest where applicable and it may affect your future financial standing. 

We retain the right to employ future collection efforts as needed, but we prefer working with you directly. 

Best Regards, XXXX XXXX. 

TrueAccord Engagement Team XXXX XXXX XXXX XXXX , CA XXXX Call us : XXXX Email us : XXXXXXXXXXXX Please note the important mandatory notices conveyed in our former communication. TrueAccord is a debt collection agency and this is an attempt to collect debt. Any information obtained will be used for that purpose. ''
Product: Credit reporting or other personal consumer reports

Credit Bureau reported a XXXX XXXX XXXX XXXX XXXX off Account on my credit report, as it appears to be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). 

Per the GLBA, NPI includes any information provided by an individual to obtain a financial product or service, such as name, address, income, Social Security number, or other application-related details. Financial institutions are required to provide an initial notice to customers at the establishment of the relationship and an annual notice thereafter. 

It has come to my attention that the charge-off on my credit report is inconsistent with the GLBA 's requirements, as I have not received the necessary notices and information regarding the handling of my NPI. Specifically, I have not been provided with an initial notice at the establishment of the customer relationship or an annual notice thereafter, as mandated by the GLBA Moreover, if my NPI has been shared with nonaffiliated third parties, I have not been given the requisite opt-out notice, a reasonable way to opt out, and a reasonable amount of time to exercise my right to opt out before any disclosure. This lack of compliance raises serious concerns about the handling of my financial information.

I kindly request a thorough investigation into this matter, and I expect the immediate removal of the charge-off from my credit report if it is found to be in violation of the GLBA. Failure to do so may result in penalties outlined in the GLBA, including fines and potential legal action.

I anticipate your prompt attention to this matter and a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA.
Product: Mortgage

We have had several banks over the years go under or get in trouble and we get sent to a different lender. Some times we pay the payment and then it gets frozen in the other banks account by government and then it takes months to show we paid in the mean time we have proven we made it cause it is on bank statements, yet the new lender would charge us late fees. We went to court over it 2 years ago with XXXX and thought they were to remove the fees move the payments and the new lender was going to lessen the amount since they had increased fees which was not due to anything we had done. Not having a lawyer we could not fight them and so we paid the amount sent to us even though other paperwork we had showed a lessor amount. We would receive foreclose paperwork every month and when I would call they would say disregard it is sent automatically and since we had paid the payment it was no longer actively being pursued. When we asked why our payment was higher than what was agreed upon in court they would give us a comment like taxes went up but when we called clerks office they had not, then it was insurance increase, we called no it was the same. We had a decrease in pay with my husband losing his job after XXXX and being limited to weight he could lift, FMLA ran out and the job let him go saying he could return once his limit increased but they no longer would hold his job. We missed 2 payments I sent in letter saying what had happened and said we would pay those payments over time and we had been, we were paying our monthly payment but we also were getting some late fees each month. We received notice of possible forecloser again so I called again and they said we will cancel it and send out a notice of what was owed to get caught up. When we received it the amount showed XXXX missed payments so I again called. They told me they had declined my last 2 payments and needed to contact XXXX to receive the money. That was for XXXX payments 3 months before. I asked why we had just now been informed and only after I called to find out. XXXX is who sent me a notice I had money to come get not them. We were told we had until XX/XX/XXXX to decide if we wanted to pay the fees of over XXXX and start making payments again or they would proceed with foreclosure yet 3 days later we received court papers for the foreclosure. We want all documents they have to explain all the fees they say we owe and where they got the amount from. Please help us. We did contact a lawyer but they said this was our first step. We have worked so hard over the 10 plus we have been in our home and feel we are being bullied by cooperation. We pay our payments when others just walk away leaving the home we have worked so hard, put our own water lines and electric lines in, did our own XXXX foot driveway, cleared the home site ourselves with a small yard tractor. 
Thank you, XXXX and XXXX
Product: Debt collection

XX/XX/year> Subject : Dispute of Charged-Off Account with Inaccurate Balance FCRA 15 USC 1681 Dear Sir/Madam, I am writing to file a formal dispute regarding an account that is inaccurately reported on my credit file. The account, identified as MIDLAND CREDIT MANAGEM with the account number # XXXX shows a charged-off status and an incorrect balance of {$770.00} on my credit report. This dispute is filed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, which entitles me to dispute any inaccurate or incomplete information on my credit report. Upon reviewing my credit file, I noticed that this account still reflects a balance that I believe is inaccurate due to the following reason, The reported balance does not reflect an agreed settlement amount or payment arrangement. ) Under 15 USC 1681i, I am requesting that the CFPB assist me in ensuring that this matter is investigated thoroughly and that the information reported is either verified or corrected. If this balance can not be substantiated, I respectfully request that it be removed from my credit report entirely. I have also contacted the credit reporting agency and the creditor directly ; however, I have not received a satisfactory resolution. As required by the FCRA, I am asking for a thorough investigation to be conducted, and for a response within the legally prescribed 30-day period. Please assist me in resolving this issue as soon as possible. I am requesting the following actions : A full investigation of the account in question. Correction or removal of the charged-off account balance if found to be inaccurate. Confirmation of the outcome of the investigation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act in compliance with FCRA 15 USC 1681 to ensure that accurate information is reported on my credit file. 
Sincerely, XXXX XXXX