23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As advised in a previous dispute with XXXX XXXX XXXX XXXX complaint # XXXX. Collection agency was advised that the creditor Flagstar Bank was in compliance with myself and that the debt was charged off as a loss and that there was no debt owed. XXXX XXXX XXXX XXXX refused to honor that request advising they would not provide compensation for inaccurate reporting to the consumer reporting or remove the account. The collection agency had been reporting the account to the report for 5 years in the consumers continuous dispute of the inaccuracy of the account. Flagstar has recently provided me with the letter which highlights the cancellation of the debt. I am requesting compensation for XXXX XXXX XXXX XXXX damages and inaccurate reporting pursuant to the FDCPA against myself. If it is not received how to cure the false practices of your company pursuant to the FDCPA within 30 days other actions may be filed.
Product: Vehicle loan or lease

I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2016, XX/XX/2016, XX/XX/2016 for my Harley Davidson account. 

I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had was unable to pay at the time due to being laid off from my job.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for Mortgage loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Subject : Request for Reinvestigation Regarding Unlawful Reinsertion of Deleted Information Dear EQUIFAX, I am writing to formally request a reinvestigation concerning a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA outlines the specific procedures and requirements for the reinsertion of any deleted information, which appear to have been disregarded in this instance. 
Background On XX/XX/XXXX AND XX/XX/XXXX the following information was removed from my credit report : Creditor 's Name : XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX Upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. 
Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : 1. Written Notification : A written notification must be provided to the consumer within five business days of the reinsertion. 
2. Certification : The information provider must certify that the information is complete and accurate.

In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA.

Request for Immediate Action I kindly request that you : 1. Immediate Removal : Immediately remove the reinserted information from my credit report.

2. Detailed Explanation : Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures. 
3. Preventative Measures : Take necessary measures to prevent future improper reinsertions.

Additionally, please be advised that I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions if this situation is not adequately and promptly addressed. 
Contact Information Please contact me at your earliest convenience to confirm receipt of this letter and provide an update on the steps being taken to resolve this matter. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Thank you in advance for your prompt attention to this critical matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Mortgage Solutions, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ conducted a Hard Inquiry into my credit report on or about XX/XX/2018. I have no knowledge of who this company is and what's the nature of their business, but more importantly, I did not requested and or authorized them to access my credit report.
Product: Consumer Loan

A vehicle loan were established with Wells Fargo Dealer Services ; XXXX XXXX, XXXX - total Loan Amount : $ XXXXXXXXXXXX/APR ( 60 ) Months @ $ XXXXmonth payments. Consumer purchased a ( used ) XXXX vehicle. Consumer understood from car dealer ; a warranty purchase would be added to loan. Car dealer failed to add the XXXX warranty as promised. During XXXX XXXX through XXXX XXXX ; the vehicle were inoperable ; Consumer paid {$15000.00} ( out of pocket ) for car repairs within ( 1 ) year ; vehicle remains under repairs. Wells Fargo Dealer Services ; had been advised ref ; vehicle mechanical issues and problems with vehicle. -- Consumer had requested WFDS follow through with a deferment payment plan and make a resolution to the consumer ; regarding a dispute and investigation into the car dealer 's lack of transparency to the warranty purchase. 
Consumer made monthly payments ; XXXX XXXX through XXXX XXXX. Consumer advised WFDS ref ; the overwhelming out of pockets costs to repair the vehicle ; and that Consumer would be considering a lawsuit against the car dealer ; for deceptive practices and the errors and omissions ref the loan. 
Consumer contends WFDS has ingnored the hardship and failed to work with the consumer on said loan amount ( s ), payment ( s ), and deferment ( s ) as requested ; in order to accommodate out of pockets expenses/costs for said vehicle. Consumer has ( documents ) on file regarding mechanical repairs : {$13000.00} + {$3000.00} loan payments = {$16000.00} paid in XXXX by the consumer. WFDS were aware of the issues and financial hardship. WFDS has neglected to work with consumer and has made numerous excuses as to the agreement and/or advisement made by consumer. 
In XXXX XXXX ; WFDS charged-off the loan with interest against consumer. WFDS did n't provide adequate notice nor written memorandum, nor advised consumer of options and/or consequences. WFDS has canceled and terminated loan payments and has requested consumer to make payment in full for the remaining balance in the amount of {$10000.00}
Product: Money transfer, virtual currency, or money service

PayPal facilitated fraudulent website ( ascis ) to use their services for transaction and when raised a complaint with my bank ( XXXX XXXX XXXX XXXX ) and PayPal immediately after being aware of issue, they acknowledged that transaction would not be posted from pending status and will be withheld, only to know after 2 weeks that transaction has been posted. 

I also contacted ascis merchant about their clone website which hosts PayPal as only medium of XXXX so as to create a layer of masking. 

The transaction is posted as PayPal * XXXX instead of XXXX XXXX. Attachments enclosed. 

XXXX XXXX acknowledged the issue and PayPal refused to address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account on XX/XX/2022 and took {$900.00} installment loan from XXXX using my bank account information. An amount of {$19.00} was charged to my account on XX/XX/2022 that got my attention. I already disputed this to XXXX Bank to stop the collection from my account. There will be a XXXX XXXX  monthly payment that will be charged on my account later on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint oday to request that the inquiries still reporting on my Credit Report must be deleted under the FCRA section 605b. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor. The FCRA requires the Credit Bureaus to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the item. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action. I need the follwoing inquiries removed as soon as possible : 1. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX
Product: Debt collection

THIS ACCOUNT XXXX XXXX XXXX XXXX HAS BEEN PAID RECEIVE MAIL XXXX XXXX XXXX/SYNCHRONY BANK SAYING OWE XXXX FOR FEES THAT WAS CREDIT BACK BY THE XXXX NOW AND NOW THEY ARE SAYING I OWE WHICH I DO NOT OWE THEM I PAID THIS ACCOUNT IN FULL I DO NOT OWE THEM ANYTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second dispute pertaining to XXXX they have fraudulently verified late payments, XX/XX/2022 letter sent from XXXX states no delinquent payments but you still report to credit bureau as 30 days late and now 60 days late in one month XXXX has been verifying fraudulent payments, I never made, if such payments were made why has the balance never decreased according to their records on a closed account and fraudulently re-aged a closed account. 
Under 15 U.S. Code 1681n as a result of the failure XXXX owes damages of XXXX dollars per violation. 
These violation were confirmed by XXXX to the credit bureaus, myself and to the CFPB. YOUR verified company response dates are the following dates XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Remove fraudulent inquiry 's from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is a follow-up to a previous claim I made thru this site to JPM Chase regarding my mortgage loan # XXXX refinanced in XXXX. JPM Chase states that they indeed processed a HARP loan which was not stated originally. However, JPM Chase failed to adjust the loan rate to reflect the HARP rate at the time which was below 4 % not 5 % which is the rate I have been carrying on my loan. As stated previously, JPM Chase never disclosed to me that they were processing a HARP loan. It was only until after I read about this program years later that I enquired other lending institutions and then Chase themselves, if I could apply. I was told no but without further explanation. Also, last year, due to other issues I 'm dealing with that involve the ownership of mortgage notes, I questioned JPM associates about the ownership of my note. First they stated JPM did not sell its loans and confirmed that my note was with them. It was only until after I posted the claim thru the CFPB that JPM stated that it was with XXXX. I purchased my house in XX/XX/XXXXand my LTV was always positive. I had never defaulted on my loan nor I ever had higher debt than the equity on the house. I believe JPM incorrectly qualify me for a different loan because they had been incorrectly trying to charge me for a transaction on a credit card they never told me they had approved nor had sent me any card nor statements until months later. Their investigation department got involved and although I got the representative to effect a conference call with the vendor JPM was alluding they made the payment to, when the vendor was confirming that the account had been long paid off by XXXX, JPM associate cut me off from the call and never got back to me. A few months later after noticing that rates were lower, I applied to refinance my mortgage. However, Chase indicated that I did n't qualify for the posted rate. When I inquired why, they did n't provide much explanation but indicated that I could refinance it at 5 %. This was not much of a decrease from the existing rate at the time and in fact, the overall cost of the refinance turned out to me much higher than what I previously had. Only the monthly got lowered but the total debt increased tremendously, now I realize. This loan was not to my best interest. JPM Chase was quick to act on the refinance by sending me all docs via e-mail and getting a representative to my house to finalize the paperwork. At no time, did any party involved explained to me that I was signing for a HARP loan and what were the benefits or disadvantages. At the time, my job situation was not solid and any bit of reduction in expenses helped ; however, I see that JPM Chase only took advantage of the situation and did n't act to my best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking over my consumer report I noticed late payment reporting. According to the law, I am a consumer, and it is against the law for late payments to be shared on my consumer report.

15USC 1681 ( 2 ) ( i ) states exclusion a credit report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B :
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

1026.13 also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I am requesting and putting you on notice to please REMOVE ALL LATE PAYMENTS off my credit report this request is not made by anyone but myself or I will seek legal action against you I have already let you know of XXXX violations and know a lot more I can add and will be requesting {$1000.00} per violation if this matter isnt handled. 

Department of education XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Dear CFPB, I am writing to inform you that I did not provide consent for my personal information to be used or furnished to any third party. This is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Please cease any further use or disclosure of my information.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

My account was not supposed to be closed. It was closed maliciously they told me if I paid it it would be open and I had it available credit then when I paid it, they told me that they could never open it back up. They lied to me I made a payment of XX/XX/2023 they put that on 120 days past due. I want this removed from my credit reports. I will sue and get a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Bank account or service

It has taken almost 3 months for my IRA CD account at Discover Bank to be transferred to the Government Thrift Saving Plan. During this period I was assesed an Early Withdrawal penalty by the Bank. I disagree that what I did was early and that I made a withdrawal, so I believe no penalty should have been assesed. 1. Early - Section XXXX of Discover 's XXXX Account Agreement defines a list of terms. Early is not among the terms defined, so I had to settle for the definition of " early '' in XXXX. The dictionary defines early as " of, relating to, or occurring near the beginning of a period of time ... '' According to Discover 's web site, my CDs were opened between XXXX XXXX and XXXX XXXX ( 3 to 5 years ago ), rolled over more than once, and have each retained the same CD identification number assigned at the original purchase. In such a case, one would think the period from purchase until the latest rollover would be considered " early ''. After that rollover, we would be in the present eagerly anticipating the next ( future ) rollover. To characterize the current or next action upon something established years ago as early indicates confusion with the concept of past, present, and future and seems a misuse of the English language. 2. Withdrawal -. a. Below is a quote from Discover 's web site sales pitch for their IRA. Please note that when the funds are coming in it is labeled a transfer ( no mention of withdrawal ) " With a transfer your money is moved directly from one IRA to another. The funds are exchanged between the financial institutions without the consumer ever handling them. ". b. Later on, when I questioned the " early withdrawal penalty, '' I was informed by an IRA specialist, " Any funds removed from an account are considered a withdrawal, in this case it was a withdrawal done via Transfer. Thus, per the Deposit Account Agreement, the Early Withdrawal Penalty does apply, and can not be waived. '' Other than the message above, I can not find any other reference to " withdrawal done via Transfer '' in Discover 's literature or web site. In XXXX, above, Discover is quoted as stating that a transfer occurs between institutions, yet when I request a Transfer ( between institutions ) of the entire account, I am penalized for a withdrawal.. How can this be? c. Related to early withdrawal is the statement in Section XXXX ( Amendments, Account Changes and Notices, of Discover 's Deposit Account Agreement, " If you are unwilling to agree to such amendments, you have the right to close your Account prior to the changes taking effect, subject to any Early Withdrawal Penalties. '' As I was/am willing to agree to the amendments and requested the IRA transfer subsequent to the Discover changes, I should not be subject to any early withdrawal penalties and my money restored. 3. Penalty - As it has taken Discover from XXXX until the XXXX to transfer my IRA account, I believe Discover has demonstrated outstanding proficiency in the subject of " lateness/late ''. Unfortunately, I do not believe it has demonstrated any aptitude in " early '' that would qualify it to assign penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXPlease remove these FRAUDULENT inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Elan Financial Services is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Elan Financial Services the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Elan Financial Services whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Elan Financial Services Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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 U.S.C 1681. Account name : XXXX XXXX account numberXXXX.account name : XXXX XXXX account number:XXXX. Account name : XXXX XXXX  account numberXXXX. Account name : XXXXXXXX XXXX  Account numberXXXX. Account name : XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account numberXXXX. 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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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: Credit reporting or other personal consumer reports

I found inaccuracies on my credit report, as specified under 15 USC 16c-2. This incorrect information is harming my creditworthiness.