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

XX/XX/2023 RE : Social Security Number : XXXX To Whom It XXXX Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
XXXX XXXX | XXXX Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Product: Mortgage

I purchased property in XX/XX/2021. Escrow account was opened with my mortgage as I called them to cancel the escrow, they denied stating that my XXXX is more than 80 %, and if it become less than 80 % I can request the cancellation. I ordered the appraisal through bank Golden1 Credit union, which was completed on date XXXX XXXX. The appraised value came lot higher, thanks to recent increase in the property prices. 
My PMI got removed. 
Bank did not paid my supplement property tax to the county, for which there was delinquency reported on my account and I have to pay the fine. When I contacted bank that why they did not pay supplement property tax, I got response that they do not pay supplement taxes. But I was not notified of that earlier. I had to pay the fine of {$350.00} due to bank 's mistake. The original amount was due onXXXX of {$3000.00} and I paid {$3000.00} on XX/XX/XXXX, XXXX. There was another amount due {$510.00} for which I paid {$560.00} After having this frustrating experience, I requested to cancel my escrow account so that I can take of my taxes by myself, since with the recent appraisal my XXXX become less than 80 %. But now bank is denying my request for escrow cancellation saying that they will apply the original appraised value at purchase date. This was also not notified to me earlier and I did not see such term in their agreement.
Product: Mortgage

Residential Credit Solutions Inc took over the servicing of our loan from XXXX on XXXX/XXXX/15. They are overwhelming us with mail. We are on the unemployment program which they acknowledge but still send notice threatening us almost daily which i do not think is legal.
Product: Credit card

I recently noticed fraudulent charges on my credit card and imediately
reported it to Wels Fargo, whom I bank with. I have subsequently canceled
and had a new credit card submited to me. Here is the old credit card
numberXXXX. This card was used for online subscriptions of
some type. I have a spread shet with the dates and the amounts. Threcompanies, XXXX, XXXX and XXXX. They have
puled for a total of $XXXX.
Al 3 of these companies apear to be the exact same company when I
researched them. I do have a spreadshet of al of the dates and the amounts
that each company puled from me
Product: Mortgage

For my mortgage account : XXXX the site actions do not correspond to how Freedom actually processes their payment.

When paying one time or a recurring the customer is given an option to apply an additional sum towards principal ( Identified as " $ Additional Principal '' OR " Principal Only '' ). Despite this option Freedom actually recoups interest from these payments. 

For example : Last payment due : XXXX Principal, XXXX Interest, XXXX Escrow. 
Paying an additional {$100.00} following prompts for paying towards principal only resulted in this : XXXX Principal, XXXX Interest, XXXX Escrow. 
So my {$100.00} additional payment to only principal is applying {$97.00}. 

Seeing as this is an extremely difficult issue for the customer to actually identify I have no doubt that Freedom is exploiting thousands of customers with this shady business tactic.
Product: Debt collection

XX/XX/2018 at XXXX PST I received a call from Citibank calling regarding a XXXX  More Commercial account. The representative informed me this was an attempt to collect a debt and the call may be recorded. She asked me a series of questions which I provided answers. It was presumed that these were not the answers she was expecting and that's when the representative ( she ) became abusive until I had to disconnect the call. 

She said, I am required to ask you these questions and my response to her was, I answered your questions and right now this is causing me extreme anxiety. I am currently considered a XXXX person. Then she says, YEAH YOU ANSWERED THEM INDIRECTLY!!! I NEED DIRECT ANSWERS!!! This was all said in a demanding tone and she went on to threaten me with closing the account and a list of other things, I had to disconnect the call.
Product: Credit reporting 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 Balanced {$0.00} XXXX XXXX Balanced {$36000.00}
Product: Debt collection

on XX/XX/XXXX I returned all equipment to a in field XXXX Agent ( XXXX XXXX Rep # XXXX ) at my former residence in XXXX XXXX zip code XXXX. I closed the account prior to my move to XXXX. In my possession I have the receipt given to my husband on XX/XX/XXXX, on this receipt are listed the serial numbers for the very equipment we are being accused of not returning. we moved cross country after this return of equipment happened. We were not aware of this collections until we tried to purchase a home in XXXX in XX/XX/XXXX. Numbers and addresses were different so we never noticed. I have called over and over and have several ticket numbers to their investigations. which they have never followed up on. I 'm at my last straw. I just lost the home of our dreams because of this horrible incident. XXXX claims they have no record of missing equipment. yet they refuse to remove us from collections.. talked to them again today XX/XX/XXXX after waiting to hear back from them since XX/XX/XXXX still no answers! help! I just want to buy a house and not worry about this collection that is not even valid ruining every purchase!
Product: Credit reporting or other personal consumer reports

I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA 's. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting

BOA are the frauds, theives. I have no idea why they placed a negative report on XXXX. If there was any suspected fraudulent activity whywas n't I notified?? Especially when they reported me XXXX XXXX & I had the acct till XXXX XXXX. They are the frauds. For several years they changed the order of my debits, POS transactions, etc. At least every month my acct would be in the negative. Sometimes as much as {$400.00}. I always kept very good banking records. Everyday I would deduct all my transactions exactly in the order they were done. When reviewing my negative balance and banking transactions over the phone. They always completely changed the order the transactions were done so the largest ones went thru first instead of the correct order which I deducted. When I would go to the bank to try to resolve my acct & fight for the fees back they always had my transactions go thru in their favor. I was a single mom with a child a house and XXXX jobs. They took XXXX off me. Approx that same year I along with thousands of others were involved in a class action lawsuit with BOA. Eventually I received a small compensation from it, but it was a drop in the buck compared to what they took from me. Please help me with this and maybe see if you cab have those theives remove me. Ty, XXXX
Product: Mortgage

I am a Florida resident and former homeowner ( who just sold my home XXXX, XXXX ). I had filed for a home loan modification under the XXXX XXXX bailout " HELP FOR HOMEOWNERS '' in XXXX, XXXX ( after Bank of America was bailed out by the federal government and given hundreds of billions of dollars to HELP HOMEOWNERS ). 

Bank of America however never helped me. All I requested was that my original home equity mortgage payment of {$340.00} a month be restored. However Bank of America increased my mortgage payment threefold to {$1200.00} a month and threatened to foreclose on my home. In good faith, I listed my home for sale, successfully sold my home XXXX XXXX, XXXX ), and paid off the Bank of America equity line mortgage in full. 

However upon the closing statement with Bank of America, I see the following fraudulent charges I am now disputing and seek to be refunded in full by Bank of America XXXX and along with treble damages ). 

- Foreclosure Fees {$260.00} - Uncollected Fees {$1900.00} - Subtotal {$2100.00} Total times 3 ( for XXXX damages for consumer fraud ) = {$6500.00} My loan number with Bank of America is XXXX. My case number with Bank of America 's escalation department is XXXX. My closing statement wherein documentation as to my having paid off Bank of America in full ( along with their fraudulent fees, documented above ) is herewith attached. 

I have repeatedly phoned Bank of America speaking to the following representatives in the mortgage, foreclosure and " customer service '' departments XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all of which thus far have done absolutely NOTHING ). 

Please investigate Bank of America for bank and consumer fraud as this type of activity has been going on for years, which I have personally experienced with the lender XXXX bailed out by the federal government and simultaneously lying to, deceiving and defrauding American citizens throughout the nation daily ). 

Bank of America must be brought to justice and a class action lawsuit commenced to ensure defrauded citizens are repaid and monies stolen by Bank of America returned and restored to hardworking American citizens. 

Respectfully, XXXX XXXX XXXX XXXX www.Linkedin.com/in/worldproperties XXXX XXXX XXXX is a certified Florida XXXX XXXX, XXXX XXXX XXXX, Wellness Trainer, XXXX XXXX, and Author of more than 20 books who has touched 76 countries serving the U.S. Military, Companies, Cruise Lines, and Universities across the globe.
Product: Credit reporting or other personal consumer reports

There are two inquiries on my credit report that I have disputed multiple times due to balance being paid off and would like for it to be removed. I was denied removal from Transunion
Product: Credit card or prepaid card

Goldman Sachs has on 3 separate occasions taken withdrawals out of my checking account for what are for myself large sums of money. 


Customer service has not been helpful in resolving the issue. These unauthorized transactions have caused my account to be overdrawn and I have incurred fees from my bank.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( XXXX Account Number XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. 
In Accordance with the Fair Credit Reporting Act Convergent these accounts below has Violated my rights according to 15 U.S.C 1681 section XXXX A States i have the right to privacy 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following XXXX Original Contract with my Signature on it XXXX information ( Name, Address and Phone Number of Original Merchant XXXX Payment History and Itemized Billing Associated with Each Account XXXX Of Ownership ( Proof That The Company Trying to Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report.Thanks
Product: Credit card or prepaid card

For the last several weeks I along with my wife have been searching for the best balance transfer credit cards with zero percent Annual Rate and zero balance transfer to include the transfer itself. I finally found the Discover It card so I called the number XXXX at XXXX hrs. onXX/XX/2019. I explained to the agent my specific question on if the zero percent balance transfer applied to the initial balance transfer also and she replied yes. Some institutions will charge a 3 % fee. My wife being a XXXX  for 17 years had me place the call on speaker and ask the agent to please repeat it and she did. She then informed me to apply either online or by telephone and once I do they will perform the balance transfer. I did exactly as I was instructed to do. Today, XX/XX/2019 I received the card. I immediately contacted the number listed to activate and placed the call. As I provided all of my personal information to complete the transaction, the agent told me that there would be a {$270.00} fee for the balance transfer. I then explained to 4 agents which included Management my encounter with the agent on XX/XX/19 where she specifically confirmed for me the 0 % balance transfer. The complaint is that I was confirmed for a zero percent balance transfer to include the transfer itself and now they are charging me 3 % of the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error and I did not authorize these inquiries, delete and remove. 
1. The following personal information is incorrect Account Number : Date of Birth : XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX 4. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Mail Current Status - Preparing Letter ( XX/XX/XXXX XXXX XXXX ) Letter Mailed Date and XXXX - XX/XX/XXXX XXXX XXXX Pass through - Certified Recipient Address - XXXX XXXX  XXXX XXXX, PA XXXX Account Number : Employers : XXXXXXXX XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 10. Under 15 USC 1681 a ( 2 ( A ) ( ) late payments are transactions and transactions are excluded from a consumer report. 
XXXX Account Number : XXXX Update to paid as agreed
Product: Credit reporting or other personal consumer reports

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit Transunion, XXXX and XXXX after the dispute results stated that the account verified it belong to me. It has been past XXXX and they have failed to provide method of verification that debt belongs to me. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is illegally opening and closing an auto and reporting inaccurate information to the credit bureau. I've file several complaints regarding the improper use of my credit report and also a violation of the law. 

On XX/XX/XXXX, I pulled my credit report to see that XXXX XXXX is still violating my consumer rights by reporting inaccurate information regarding litigation of an auto loan that was open in XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ), XXXX XXXX is illegally opening and closing the auto loan and reporting false information to Transunion, XXXX, and XXXX for a charge off account. Santander consumer is reporting a balance of XXXX and a higher balance of XXXX, XXXX, the last activity on the report is also inaccurate along with the payment history. XXXX XXXX is continuing their deceptive and predatory lending practices even after being fined. 

XXXX XXXX is believed to be in violation of the following : inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts in violation of 623 ( a ) ( 5 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 5 ) ; and ( 4 ) Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order )
Product: Debt collection

When trying to resolve the supposed amount owed with gym trainer at XXXX fitness, I asked for a copy of contract agreed upon having stated I refused to pay him after him mistreating my son whom was using the sessions purchased too. I paid for sessions already used only, and refused to pay any further sessions not used. The gym trainer nor manager would provide me with proof a written contract of debt owed, and instead sent me to collections for a bogus amount charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get this collection removed from my credit report and Equifax refuses to remove it even after several violations of my consumer rights. 
XXXX. XXXX XXXX XXXX is not licensed to collect debt in the state of Alabama. 
XXXX. A collection account can not have an open status. 
XXXX. A collection can not have a balance increase. 
XXXX. In order to purchase a collection there must be a contract with the WET signatures of all parties involved and Equifax nor XXXX XXXX XXXX are able to provide the contract.
Product: Debt collection

XXXX XXXX TekCollect, Inc. 


Subject : Dispute of Debt XXXX Account Dear TekCollect, I am writing to formally dispute the alleged debt of {$1600.00} that your company has reported on my credit file regarding XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation of this debt, including, but not limited to : XXXX. A detailed statement of the account, including the original contract with XXXX. 
XXXX. An itemized breakdown of the balance and any fees applied. 
XXXX. Proof that I am legally responsible for this debt. 
XXXX. Documentation showing that TekCollect has the right to collect this debt. 

If you are unable to provide adequate verification, I request that this debt be removed from my credit report immediately. Please also cease all collection efforts until proper validation has been provided. 

Furthermore, I request that all future communication regarding this matter be conducted in writing. If this debt has been reported to any credit bureaus, I demand that it be marked as disputed while under investigation, as required by law. 

Failure to validate this debt or continued collection efforts without proper documentation may constitute a violation of federal law, and I reserve the right to take legal action if necessary. 

Please respond within 30 days of receiving this letter. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX