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

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
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 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted Wells Fargo to request a payment plan and they never sent the appropriate documents for me to apply. Instead I began to get foreclosure notices. I felt there was nothing I could do but sell. I did not want to sell I wanted a way to catch up but was never offered any payment plan. Just continued notices of foreclosure. Once I requested to do a short sale Wells Fargo was XXXX in the spot. I took a {$60000.00} lost when my home was sold.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal ( blocking ) of fraudulent information from my credit report under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts or information on my credit report are not mine and were opened or reported fraudulently : XXXX XXXX XXXXccount number XXXX : [ fraudulent amount {$10000.00} ) ] Date of Activity : [ XXXX ] XXXX XXXX XXXXAccount number XXXX : [ fraudulent amount {$20000.00} ] Date of Activity : [ XXXX ] XXXX XXXXAccount number XXXX : [ fraudulent amount {$20000.00} ] Date of Activity : [ XXXX ] XXXX XXXX number XXXX : [ XXXX XXXX {$21000.00} ] Date of Activity : [ XXXX ] As required under Section XXXX of the FCRA, you are obligated to block this fraudulent information from my credit report within XXXX business days of receiving this request and supporting documentation. Please also notify the furnishers of the fraudulent information so they can take appropriate action. 

I further request that you send me written confirmation once the information has been blocked from my credit report. If you require additional information, please contact me at [ XXXX or XXXX ].
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This loan is over 7 years old and the debt has been cleared but it is still showing on my report as a closed account which is affecting my ability to get a mortgage
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and XXXX ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), c
onsumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, XXXX, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate.

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each erroneously reported item on my credit file.
Product: Prepaid card

I tried to use XXXX prepaid American Express cards for {$60.00}, {$10.00}, and {$10.00}. The {$60.00} was credited for {$44.00} and the other XXXX were declined. I called American Express and was told I had been charged their $ XXXX. fee 5 mo. after issuance. I said there was a law against that in the State of Washington, but the rep said there was no such law. The required statement and font size appear to be satisfied on the cards, but I do not believe the other criteria in XXXX XXXX are met. The only exception might be the 24 months of inactivity on the XXXX {$10.00} cards, although I ca n't confirm the issuance dates for them. The {$60.00} card was issued in XXXX, 2013. The cards were issued as rebates for XXXX merchandise. Am I interpreting the code correctly? Were these fee charges legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several disputes to remove account XXXX XXXX XXXX XXXX  off my credit file. This alleged account is hurting my reputation of having good standings. Also, violates my human rights and federal laws. They have neglected to fix my report many times Under 15 usc 1681a, exclusions. A report does not include transactions or payment history to credit file. 
15 usc 1681b. Permissible purpose. Unless written instructions of the consumer to whom it relates. I never gave no written nor any permission to furnish in my report. 
Also, under 15 usc 1681, you can not furnish information knowingly inaccurate. 
By law my report must be 100 % accurate at all times. Clearly, this is in violation and identity theft, nobody gave permission for my information or to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation under15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I received XXXX American Express prepaid reward cards as rebates for purchases from XXXX and XXXX from XXXX. I was informed that they were accepted nearly everywhere, but was embarrassed time and again as I tried to use the cards in crowded lines at local stores including chains like XXXX and XXXX and online retailers as I scanned card after card only to be rejected and having to find another way to pay. On XXXX XXXX, XXXX I called their automated, XXXX phone number to get the amounts remaining on each card. I was told : {$14.00} remained on the XXXX {$20.00} cards, {$6.00} on a {$10.00} card, {$4.00} on another {$10.00} card, and {$0.00} on the remaining XXXX {$10.00} cards even though I had been denied use on these cards. ( The only card I had been able to use in the past was the {$30.00} Am Ex card from XXXX for a purchase of {$23.00} so it had a balance of {$6.00}. ) Later on XX/XX/XXXX I made a purchase at XXXX and was denied XXXX cards with balances remaining, but the receipt showed that {$0.00} was taken from XXXX card and declared XXXX-out, though the automated phone called an hour earlier said it had a balance of {$14.00}. {$1.00} was taken from the {$30.00} XXXX card with an actual balance of {$6.00} and declared XXXX. {$1.00} was taken from another card and XXXX-out though the phone call claimed there was {$6.00} remaining on it. And finally {$14.00} was taken from a card that the phone called claimed had {$14.00} on it and declared XXXX-out. This has been a confused, embarassing experience in which I saw my money randomly disappear with no logical explanation. There is no web address to contact and Amercan Express 's phone number is automated.
Product: Debt collection

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

AMSHER COLLECTION SERV ( Original Creditor : XXXX XXXX  ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Vehicle loan or lease

I was charged higher interest rates and of fees on my auto loan established XXXX/XXXX to current date. I would like this to be investigated and rectified with a refund and or settlement.
Product: Debt collection

Collections Account with Resurgent Capital Services, aka LVNV Funding, aka XXXX XXXX XXXX XXXX. 
Resurgent Capital Services # XXXX aka LVNV FUNDING LLC # XXXX This debt was settled on XX/XX/2019 via XXXX web portal. 
It was explicitly stated that the 1 time - settlement amount is {$410.00}, to settle the account in full, which I paid in full. I have full documentation, screenshots, bank records fully recorded on paper to this effect. 

Resurgent claims I owe another {$410.00} ( in other words, they are ignoring their own settlement, on the web portal, which I have full written proof of ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies for over 2 years asking can these fraudulent accounts be removed. My rights as a consumer are being violated. I have sent in several documents notifying these companies and the major credit bureaus. I have filed a police report with XXXX county in Florida. I have also filed a federal commission trade report for identity theft. I have token the proper procedures to lock and freeze my accounts. The current files still remain on my credit files. These files are not mines and I have never had knowledge of these accounts. 

XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXXXXXX {$230.00} XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$250.00} XXXX XXXX {$23000.00}
Product: Debt collection

XXXX XXXX XXXX has been sending notices saying that I owe a debt to them. I have sent notices requesting that they provide the original purchase agreement, copy of the contract that I have with them stating that I owe them any amount of money. They are falsely reporting that I owe a debt to them despite of my submission of an identity theft report which list the original creditor as also misreporting an account that does not belong to me. XXXX has no proof of claim neither does the alleged original creditor. XXXX and XXXX has deleted this account ( alleged original creditor ) however XXXX has this account reporting as collections on XXXX. I have attached copies of my XXXX and XXXX CFPB complaint report that showcases the removal of this account. I have also attached a copy of my identity theft report along with a cease and desist letter to XXXX. This XXXX account needs to be removed immediately.
Product: Checking or savings account

Webster Bank advertised a {$350.00} bonus for opening a checking account by XX/XX/XXXX  and making a payroll direct deposit by  XX/XX/XXXX . I opened my account on XX/XX/XXXX , and a payroll direct deposit occurred on  XX/XX/XXXX . The terms of the promotion stated that the {$350.00} bonus would be deposited by  XX/XX/XXXX , but that did not happen.
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On  XX/XX/XXXX , I sent a secure message to inquire about the bonus, and was denied because I supposedly did not have a payroll deposit to the account. I replied pointing out the payroll direct deposit on  XX/XX/XXXX  from my employer, and on  XX/XX/XXXX , was told that I would hear back after more research was done. Today is  XX/XX/XXXX  ( over 2 weeks later ), and I have heard no additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent XXXX XXXX, Account # 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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX XXXX asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor XXXX XXXX XXXX XXXX is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from TransUnion, XXXX and XXXX, but that they also furnish said reporting agencies with the correct address information to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIA USPS CERTIFIED MAIL # XXXX XX/XX/XXXX CARD SERVICES XXXX XXXX XXXX XXXX DE XXXX Extra Points Mastercard ... XXXX This correspondence serves as an official and final notice to XXXX in regards to the above refenced account. 


FACTUAL BACKGROUND TO THE MATTERS. 

1. XXXX neglected and consequently failed to inform and deliver account related incoming transaction alerts or awareness to XXXX XXXX via timely mobile text messaging or any other timely communication means. 

2. XXXX has not made XXXX XXXX aware of transaction submission accordingly with the Terms and Conditions and agreements, especially regarding very specific incoming charge related to fraudulent transaction submitted by XXXX XXXX XXXX, which action disabled XXXX XXXX from making constructive decision of transaction acceptance or disapproval. 

3. XXXX has not exhibited any required and obligatory actions in regards to XXXX XXXX 's representation in addressed by XXXX XXXX concerns related to the specific transaction dispute with the merchant involved, XXXX XXXX XXXX. 

4. XXXX exhibited far below than originally committed to and expressed less than " convenient '' and virtually absent dispute attempts on XXXX XXXX 's behalf and representation in account management. 

5. XXXX exhibited negligence of commonly adapted statues and declaratory practices within regulations established in consumer representation process. 

6. XXXX further exhibited lack of professional and respectful account management manners. 

7. XXXX negligent performance provoked XXXX XXXX to close responsibly managed account by XXXX XXXX since XXXX. 

8. XXXX inappropriately reported account related alleged charges to credit bureaus which is damaging XXXX XXXX 's credit score/history. 

9. XXXX ignored XXXX XXXX 's request to discontinue any further process to already closed account related activities. 

10. XXXX displayed discriminatory practices related to the owner of the account XXXX XXXX by negligence in efficient communication via customer service personnel. 


PLEASE TAKE NOTICE that is demanded herein that all account alleged charges, interest charges, late fees and other charges to be dismissed immediately. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that all account related derogatory charges to be released from the records at ALL credit reporting agencies. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that clerks that are not correctly vocabularied or not to well versed discontinue any further contacts with XXXX XXXX via telephone. 



PLEASE TAKE FURTHER NOTICE that request is made to CEASE AND DESIST all further XXXX actions impairing XXXX XXXX 's professional and personal status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Navy Federal account # XXXX or account # XXXX has been paid-in-full. Navy Federal was contacted directly on XX/XX/XXXX and again on XX/XX/XXXX. It is not " Derogatory '' or in a " Payment Plan ''. It should be listed as " closed ''.
Product: Debt collection

XXXX ai received notification from Midland Credit Management that they were going to sue me if I didn't set up a payment plan by XX/XX/XXXX for a debt from XXXX. I requested debt validation and they were unable to validate all sections I requested including license number and proof of contract for this debt. They responded with a letter marked XX/XX/XXXX that was received XX/XX/XXXX as a bill rather than a validation. They had marked the original letter received XX/XX/XXXX as XX/XX/XXXX but it was actually sent XX/XX/XXXX. The letter received XX/XX/XXXX was not dated on the envelope.
Product: Mortgage

I am lodging a general complaint against SLS. Since the first day they began servicing our mortgage, there has been nothing but trouble. ( 1 ) first month 's payment issue-payment crossed with prior servicer-SLS on our back, ( 2 ) Repeated harassment ( several months in a row ) that we did n't have enough insurance on our home ( after repeated faxes to SLS, clearly showing more than enough proof of insurance, ( 3 ) we had just completed a loan modification, only to have SLS increase our escrow amount making the monthly payment difficult to make again ( SLS decided that they were going to hold the highest amount of escrow pad as allowed by the state of California, thereby increasing our monthy mortgage amount ), especially for a customer that worked months to get a loan modification to save their home. ( 4 ) but most disturbing is their collection tactics. They leave a door hanger envelope ( unsealed ) with capital red letters that say " confidential '' ( in an unsealed envelope ). Inside is a quarter sheet of ripped paper that indicates SLS was there to check if the property was " still occupied ''. That is a clear and intentional threat and unfair collection tactic. ( 5 ) One month we called in the payment ( so we can keep track of everything via XXXX XXXX ) and the agent at SLS set-up the payment and confirmed the bank account on file and it did n't belong to us! It was an account with XXXX and we have XXXX XXXX, not even close ( XXXX ) recently, we agreed to a payment plan with SLS to have payments automatically debited by XXXX XXXX from our checking account for the next XXXX Fridays. The agent set up each withdrawl and provided us with a confirmation number. The first payment was debited as scheduled and we received a confirmation letter from SLS that the payment had been processed. Yesterday, we received a reminder notice from SLS that a payment would be debited on XXXX XXXX as agreed but today my husband receives a call from SLS regarding our delinquent account. Frustrated, I contact SLS to inquire as to why they are calling for a status when we had an agreement that was current and valid. ( for the XXXX paymen ). ( 6 ) Today 's call was the last straw and trigger to lodge this complaint. When the SLS agent was researchng why SLS called, he was perplexed by what he was seeing on our account. He said he can see the payments were processed but they have not been linked to our account. I was put on hold many times ( common with SLS ) only to have the agent ask me for my banking information again. There is something seriously wrong here. There are numerous complaints for this company online, with the XXXX and of course CFPB to name a few. I appreciate that SLS may be working with XXXX paper, but that is no excuse for blatant threat collection tactics, repeated banking mistakes, harassing calls and letters etc.