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

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXXXXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Debt collection

IC System is attempting to collect a debt I do not owe. They are stating that I owe XXXX XXXX XXXX {$110.00}. I am a current customer with XXXX XXXX XXXX, and have been consistent with my account for years.
Product: Student loan

I applied to pay my loans through XXXX. During the application period I had XXXX payment to make, but was advised by the FedLoan Servicing not to make this payment because I would be placed on administrative forbearance while my application was being processed. However, FedLoan later decided, without notifying me, that I was not eligible for administrative forbearance, which let my account slip into past due. I noticed this on my own, again receiving no notice from FedLoan, and called FedLoan to figure out why the account was now past due. A FedLoan employee advised that the paper work for my administrative forbearance was not correct and that he would re-do the paper work so that administrative forbearance would be applied and my loans would not be past due. Again, this never happened and I was not notified until my account was now 90 days past due. FedLoan reported the 90 day delinquency to the credit bureaus and my credit score drop from XXXX to XXXX. Shortly thereafter, my XXXX application finished processing and the previous payment that I owed ( and was falsely delinquent ) was removed from my balance. I never had to pay it, once the XXXX application processed. However, the damage was already done as FedLoan falsely reported that I was 90 days delinquent and my credit score has gone from Good to Bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told them I have never used any of these credit card and asked to dispute these charges because I never used them and I was unaware about this credit card because I never used it at all. I want to remove this credit card off because it is messing up my credit report bad and in need it removed.
Product: Consumer Loan

The attached company claims that the account will be removed on all pertinent credit reports XXXX XXXX. I stipulate that the account was opened in XXXX, that it went into default the same year, was eventually paid in full in XXXX, and that the company in question still not only maintains a balance of {$1500.00}, but that the account if legal would show a XXXX balance. My dispute was challenged and a copy of the XXXX XXXX result is attached, with virtually no response or required documentation to maintain a negative trade line on my personal credit report. The item needs to be deleted as mandated under the 84-month rule with the Fair Credit Reporting Act. The Consumer Financial Protection Bureau, as mandated under Dodd-Frank has taken up consumer rights where FCRA and Fair Debt Collection Practices Act consumer rights are being violated.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

Under FCRA XXXX ( XXXX XXXX XXXX ), I am requesting the immediate blocking and removal of fraudulent accounts and inquiries from my credit report. These resulted from identity theft, the XXXX data breach, and fraud. I have attached my FTC Identity Theft Report as proof. These items must be removed within XXXX ( XXXX ) business days as required by law.
Product: Debt collection

I began making payments on a debt for XXXX XXXX XXXX with a credit collector named XXXX. The file was pulled on XXXX/XXXX/14. I was then sent a bill from Penn Credit in XXXX of 2014. I called the company and asked them why my balance had not changed. They told me they had no record of payments. I told them I made five payments toward the bill and they told me to fax them proof. I spoke to XXXX and faxed the proof of payment on XXXX/XXXX/14. XXXX told me that the proof would be submitted and investigated and they would contact me with the results. Over one year later I received a new bill from Penn Credit and the balance was reduced by one payment. Instead of wasting more time I am sending the proof to you. I will not make payments until they reflect my true balance. I paid {$620.00} of the debt and should get full credit for it.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX victim, Identity Theft and Fraud Victim Notice and Request for Removal of Fraudulent Accounts Dear XXXX, Experian, and XXXX, I am writing to formally notify your offices that I am a victim of identity theft and fraud, and I am also a survivor of XXXX XXXX. Fraudulent accounts, credit cards, and debts have been opened or incurred in my name without my knowledge or consent. These actions were not taken by me and were entirely against my will. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Credit Repair Organizations Act, I demand that all fraudulent accounts, negative items, and associated debts be removed from my credit reports immediately. I also request that any inquiries associated with these fraudulent accounts be deleted from my file. 


To protect my credit and prevent further misuse of my personal information, I also request that a fraud alert and/or credit freeze be placed on my file. Please update me once these safeguards have been implemented. 

This fraudulent activity occurred outside of my control as I was a victim of XXXX  XXXX, a situation that stripped me of my ability to control or protect my financial information. I am not responsible for any of the resulting accounts or debt. 

I expect a written response confirming that all fraudulent accounts and entries have been permanently removed or blocked from my credit reports. If additional information or documentation is required, please contact me at XXXX or XXXX I appreciate your urgent attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of government-issued ID
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent the following letter to all three major credit bureaus via certified mail. With no proof of items disputed recieved back. I am asking for a deflection due to no response or proof of items letter sent below. 

XX/XX/XXXX Hello, This is a formal complaint because I am extremely upset and confused about the information included below in my credit profile. These items are not reporting 100 % accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validated. e-Oscar is not verification, might I add. 

I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. 

Please obtain and provide the following Original Contract Payoff Disclosure Interest Rate Disclosure Balance History Payment History Credit Insurance Please delete this misleading information if the items above can not be supplied. Please supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

Under federal law, you have 30 days to complete your investigation. 

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Account Name : XXXX XXXX ( XXXX  ) Account Number : XXXX Account Name : XXXX XXXX ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : Online Information ( XXXX XXXX XXXX ) Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Wed XX/XX/XXXX submitted request for cashiers check to be sent to us in the name of car dealership. Told we could pay to expedite. Would deliver in XXXX business days because we requested after XXXX. Told to call next day for tracking number it would be sent the next day. Thursday called twice no tracking number. Called Friday no tracking number we are told it is under review would arrive possibly Saturday but latest by Monday. Called Saturday, was assured it would arrive Monday still under review. Called Sunday was told under review and would not arrive Monday. Called Monday spoke to supervisor. Still under review. Could not tell us what it was brewing reviewed for. Could not wire it today to rectify their delay and mismanagement of the process. XXXX could not connect us to review department. XXXX assured us that it would be mailed today. As of this writing at XXXX there has been no email telling me this has been processed. We have no idea why they have not issued our check and have no access to our own money. It has not been earning interest in our account since it has been removed from our account. We have no real assurance of when we will actually receive our own cash.
Product: Debt collection

Portfolio Recovery Associates has put a judgment against me and I wasn’t even served properly and I don’t know much about this judgment and since last year I been trying to clean out my credit report and I been trying to contact Portfolio Recovery Associates failed to validate the debt Portfolio Recovery Associates only tell me that the debt is verify but Portfolio Recovery Associates has failed to show proof of any source not even the original contract with my signature and I did contact the credit bureaus and they won’t remove it and I did send out letters to Portfolio Recovery Associates to verified the debt by certified mail many of times and Portfolio Recovery Associates has failed to verify the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has 5 HARD INQUIREYS on credit report. Starting with Veteran unites. I never tried to buy house or it would have been bought .The other 4 hard inquires are when I got onto credit sesame e and my file was linked but those 3rd party credit services lie and scam. I need all 5 inquires off my transunion report. This is hurting me. My children and elder mother. Trifling how these companies don't even do business in America. They lie to the XXXX  and other XXXX to do and say what they tell them. My 5 gard inquires are fraud.
Product: Credit card or prepaid card

A Mastercard with Bank of AmericaXXXX XXXX was opened in my name on XX/XX/22. I did not apply for this card. In addition, the card was sent to a prior address from 3 years ago ; however, it was forwarded to my current address. 

I called Bank of America and they have closed the account. No charges were made to the card. They have also put my name and address under their " security alert '' so that no further cards and/or accounts can be opened in my name. 

I currently have a credit freeze with XXXX, but did not have one with XXXX or XXXX. Bank of America utilized XXXX to check my credit, which allowed the card to be approved. Although an incorrect ( old ) address was used, which I feel with better investigating during the application process, this situation would have been averted. I now have a credit freeze with all three credit reporting agencies.
Product: Mortgage

This additional Complaint is in addition to complaints # XXXX, Complaint # XXXX & Complaint # XXXX. HUD-RESPA & PNC/XXXX XXXX have know the facts since XXXX. XXXX has replied to and to me they are unable to investigate the loan until the CFPB provides documentation that XXXX XXXX who is now owned by XXXX did purchase PNC. I have provided documents that the CFPB can provide to XXXX to investigate these complaints and answer the XXXX Qualified Written Requests and make the necessary financial adjustments. 
XXXX loan applications were completed by PNC for this loan. The first loan application ( attached ) proposes {$350.00} for a monthly tax amount ( XXXX {$350.00} = {$4200.00} ). The " : ApprovalFirst Process Certificates ( XXXX ) ( attached ) indicates the first loan application was completed XXXX XXXX, XXXX by PNC Mortgage A deposition by PNC ( attached ). also stated approximately {$4000.00} annual for taxes. This was an underestimate of approximately {$3000.00} each year of the 30 year note ( {$3000.00} x XXXX = {$90000.00} ) RESPA does not indicate a builders estimate as an acceptable method to provide anticipated taxes for a buyer for a home mortgage loan. The County Tax Office as stated in RESPA would be a reliable source of tax information to obtain a reasonable estimate amount for anticipated taxes. The misrepresentation of approximately {$330.00} from the second loan application ( attached ) was completed & together with the information provided by PNC/XXXX. XXXX ( attached ) we made the decision to build the home as it fit within our budget.The Construction Contract to build the home occurred XXXX XXXX XXXX. Three times before signing the contract, information was misrepresented to us.If we had know the correct amount we could have reduced the size of the house and other features which would have reduced our taxes for 30 years.Three appraisals were ordered by PNC which is used, also could have provided a comparison for anticipated taxes as is stated in RESPA. The errors by PNC and XXXX deflecting the actual causes of their errors and providing False Information to a Federal Regulatory Agency for their errors for THREE YEARS and to the borrowers led to extensive anxiety and stress with enormous legal bills. PNC never accepted the PNC as stated in RESPA. ( attached ) Our rebuttal to XXXX XXXX is attached as is their letter addressing our " concerns '' but never providing substantive answers to the questions asked of them for the XXXX QWR 's sent to PNC. Further to our statements in our rebuttal, paragraph XXXX, we were being required to pay {$19000.00} for the errors made by PNC into escrow. 
XXXX {$630.00} Escrow year + XXXX x {$980.00} = XXXX for shortage.Total of {$19000.00} We have shown in our previous complaints the computer generated mathematical errors in our loan. Do other loans serviced by PNC/XXXX XXXX have similar systematic problems? We were being required to pay into the escrow account apparently an excessive amount. We had, at payoff, requested and again request a forensic accounting by PNC/XXXX XXXX for this loan. The financial disbursement at payoff was not correct.
Product: Vehicle loan or lease

AMERICAN HONDA FINANCE XXXX  This account is current however my credit reporting is inaccurate as the account is being reported as delinquent and charged off. This is preventing me from getting the credit I deserve and needs to be updated right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX According with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Can you reinvestigate the accounts listed below. 
Reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 


XXXX Charge Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 


XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Credit Card with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00} Collection account from XXXX XXXXXXXX XXXX with account XXXX XXXX and a balance of {$1500.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX 


Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$530.00}. The original creditor is XXXX XXXX. 


Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report According to 15 U.S. CODE 1681 I have a right to privacy, Accuracy and fairness of credit reporting. The information on my credit report is not accurate. Please send me the method of validation certified receipt with my name on it and signature.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX APPLICATION # XXXX Dear Wells Fargo Bank I am writing to formally request to opt out of certain provisions outlined in 15 USC 6803 , which pertains to the sharing of nonpublic personal information about consumers by financial institutions. After careful consideration, I have decided to exercise my rights under this regulation to protect my personal information and privacy. 



As per the requirements of 15 USC 6803, please consider this letter as my formal request to opt out of the sharing of my nonpublic personal information with non-affiliated third parties. I understand that by opting out, I may limit the marketing communications I receive from your institution, but I am willing to make this choice to safeguard my privacy. 



Please acknowledge receipt of this request in writing and confirm that you have processed my request to opt out as soon as possible. If you require any additional information or forms to complete this process, kindly let me know. 



Thank you for your prompt attention to this matter, and I trust that my privacy preferences will be respected in accordance with the law. 



Sincerely, XXXX XXXX
Product: Debt collection

I was on a payment plan, however they called me XX/XX/year>, that the payment plan had ended. I was given the option to renew payment plan or settle for less XXXX XXXX XXXX XXXX XXXX XXXX  for all three accounts they listed on the call. For the time being I stated to do Payment Plan of {$75.00} for all three accounts, which I asked multiple times and they were confirmed by agent. Called the XX/XX/year> to settle with the lesser amount ( in the XXXX amount ) and I was told they only own one account and could not settle for all three. I called XX/XX/year> and I was told balance for all three accounts ( XXXX ). Then I asked why I was being given conflicting information as far as sometimes telling me they own one account and other days telling me is just one. I asked to settle for half of what they had stated XX/XX/year> when they said the amount would be for all Three accounts after getting confirmation multiple times that it would be for all three accounts. They declined and say they couldnt and that I misinterpreted, however I told them All calls are being recorded and they can retrieve where I ask multiple times if the amount was for all three accounts. Kept mentioning that they work for the Creditor, and they set the amount and theres nothing they can do.
Product: Vehicle loan or lease

formally document my dispute regarding the overcharging of my vehicle loan by Westlake Financial and the subsequent mishandling of my request for repossession of the vehicle.

After reviewing my loan agreement and payment history, I have identified that I have been overcharged on my account. Despite multiple efforts to resolve this issue, the discrepancies remain unaddressed.

As a result of this overcharging, I contacted Westlake Financial and requested the repossession of my vehicle. However, despite my formal request, the vehicle was never retrieved as promised. This lack of action has further compounded the financial and logistical challenges I am facing. 

I respectfully request the following actions be taken immediately : A detailed accounting of all charges applied to my loan, including payments received and the application of those payments. 
A refund or adjustment for any overcharges identified in your review. 
Clarification and resolution regarding the repossession request, including a timeline for completion if repossession is still required. 
This statement serves as an official notice of my grievances and a request for resolution. I expect a formal response and resolution to these matters within 30 days of this correspondence.