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

In accordance with fair credit reporting act convergent accounts bellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable. cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX5 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Checked my credit report and I see a debt collection I have no knowledge of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX am writing to formally dispute the inaccurate and unauthorized reporting of the XXXX XXXX XXXXXXXX account ( # XXXX ) on my credit reports with XXXX and Equifax. This account has inconsistencies and was sold to collections without my consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of this account from all credit reporting agencies and an investigation into these discrepancies and unauthorized actions. 

Issues Identified 1. Inconsistent Reporting : High Credit : XXXX : {$0.00} Equifax : {$600.00} Credit Limit : XXXX : {$400.00} Equifax : {$0.00} These inconsistencies are problematic and suggest incorrect reporting of the account status. 
2. Unauthorized Sale to Collections : The account was sold to collections without my consent, violating my privacy and legal rights. 
3. Inaccurate Activity Reporting : Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Payment : XXXX : Not reported Equifax : XX/XX/XXXX The lack of consistent reporting of the date of last payment is a clear discrepancy. 

Violations and Impact The inaccurate and inconsistent reporting of the account information and the unauthorized sale of the account to collections without my consent are serious violations of the FCRA and my privacy rights. These errors and unauthorized actions have caused potential harm to my credit profile, leading to undue stress and financial implications. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account to collections without my consent is a breach of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.
Product: Checking or savings account

I have been a loyal customer of Bank of America for almost 10 years. Bank of America closed my business  checking account on XX/XX/2020. The reason given was for a business decision. I had roughly {$84000.00} in that account. Bank of America is illegally holding my money and stated that it will not be returned in a letter I received on XX/XX/2020. 

The funds that they are holding were dispersed to me from the Small Business Administration ( SBA ). I received a loan from the SBA that I must repay. By Bank of America not returning my funds to me, I can not run my XXXX. I have no cash flow. If I can not run my XXXX, I will not have money to repay my loan. I am extremely concerned why Bank of America closed my account, but I am more concerned that they are refusing to return my funds to me. This seems illegal and I request that these funds be returned to me immediately. I will gladly find another institution to bank with, but Bank of America has stolen my money and they need to return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Me and my husband went to the car lot, we asked the dealership to only pull from 3 places. When we realized we went to them, I advised I would sue them but anyway I had them print out a letter stating they fraudulently ran our credit. I called the bureaus, XXXX removed it, transunion has been giving us the run around. XXXX removed it for us no problem. 
We sent a letter to all 3, matter of fact it was the same documents, transunion admitted they received the paperwork, butthen sends me a stall letter stating that it seems to be coming from a 3rd party, I begin to question what indication do they have when I submitted me and my husband 's dispute letter, the letter from XXXX of columbia, ftc reports packaged together ... I told them they need to stop trying to correct people 's reports sending that letter just to prolong the process, they said I have to send it again because they got my ID the next day following ... Im like what does it matter you have every piece of document you asked for. It's gon na be the same info again which is costing me monies to resend. I sent the documents certified at that. 
According to 15usc1681a ( 1 ) ( A ) violation of rights It has been over 30 days nothing back yet they have 30 days to respond Also I reported two negative accounts Progressive I disputed, it was marked late 15usc1681a ( i ) 2transactions history is excluded from the consumer report, 15usc1666b timing of payments shouldnt be reporting after the first dispute they removed it from XXXX to XXXX when it should be removed permanently XXXX is reporting and I have no business with them. I sent them a stop and decease letter and i disputed this as fraud and to remove the account from my credit reports... this has dropped my scores tremendously...
Product: Credit reporting or other personal consumer reports

Certified Mail # XXXX XXXX XXXX XXXX XXXX To Whom it May Concern : I trust this message finds you in good health and spirits.

I am reaching out to formally notify you of my decision to opt out of all authorizations, whether written, unwritten, or verbal, as outlined by the Fair Credit Reporting Act ( FCRA ), in my capacity as a federally protected consumer.

In accordance with 15 USC 6802, I am exercising my right to revoke any previously granted authorizations. Consequently, I kindly request that any further use or disclosure of my information under such authorizations be ceased immediately.

I am seeking your acknowledgment of this request and kindly request written confirmation that my decision to opt out has been duly acknowledged and implemented.

Your prompt attention to this matter is greatly appreciated. Thank you for your cooperation.
Product: Debt collection

I purchased a XXXX XXXXXXXX XXXX with a XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX, later discovered it was rebuilt XXXX XXXX XXXX XXXX XXXX. But, I held vehicle for the sake of my large family, a household of XXXX. 

XXXX XXXX XXXX received my down payment and financed the remaining balance through Westlake Financial Services The vehicle had many issues but for the sake of having a XXXX to support my entire household, I kept the vehicle and made the necessary repairs. 

Then, I started divorce processings in XX/XX/XXXX and was left with only the vehicle. So, I chose to forfeited the vehicle in late XX/XX/XXXX. In which, Westlake Financial, agreed to recovered the vehicle and sent tow truck take possession. 

After, the recovery of the vehicle, Westlake Financial continued reporting the loan as active and begin reporting late payments to my credit report for 7 months. 

Now, Westlake Financial lodged a lawsuit against me. 

The facts of matter is the loan was for {$12000.00} after my down payment with a monthly payment of {$390.00}. 

My payments made to Westlake Financial Services totaled {$11000.00}, 29 months of payments before my voluntary forfeit. 

Then, Westlake Financial Services sold the vehicle for more than {$1000.00}, which is the remaining balance on my loan. 

Yet, Westlake Financial Services is suing me for {$5500.00}. 

Westlake Financial Services falsely reported the loan as active and made false report to the credit bureaus stating the implying I still had possession of the vehicle and failed make my payments. 

All this after, Westlake Financial Services had full possession of the the vehicle, after my voluntary forfeiture, and sold the vehicle at a profit of the total loan of {$12000.00}. 

Yet, Westlake Financial Services still felt it was necessary to fill a lawsuit for {$5500.00} In my heart, I know the is some type of violation being committed by Westlake Financial Services. 

Im hope there is some type legal remedy stop this abuse by Westlake Financial Services
Product: Debt or credit management

On XX/XX/year> or XX/XX/year>, a debit was made by the bank, an amount of {$79000.00}, overdrafts about {$1.00}. I'm gon na want {$79000.00} back into account ending in- XXXX and I don't like that interest of {$1.00} which they can keep. I didn't do anything bad to cause the business relationship with this bank. So it is discrimination to close my both of my bank accounts, ending in XXXX and XXXX.
Product: Student loan

Sallie Mae-Navient lied to get get me to switch my perfectly good account with XXXX promising a very very low payment. They offered me loan forgiveness and charge me {$500.00} to switch my account over locking me into very low payments. I am being way over charged in interest and they are requiring me to pay an incredibly high payment which is not at all what I signed for! My balance on my account does not reflect all of the years of on time payments I have made the amount keeps getting higher! My interest alone in 2018 was {$2600.00} PLEASE PLEASE HELP!
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 at about XXXX I clicked a link on my phone that said to get " money instantly '' when applying. I had no idea what site this was from but it was matching me to a bunch of different vendors to see who could assist me. I clicked through one creditor that could offer {$800.00}. I was clicking through the pages and entering my data when I clicked to " agree '' I was brought to a page that said I would be paying an APR of 699.9856 % with finance charges of {$3600.00} for an {$800.00} quick loan. I panicked and wanted to immediately refuse the deposit, however my husband convinced me to keep the loan as we needed the cash for rent and that we could pay off the loan way before paying thousands of dollars on it. At the time I didn't even realize this was a payday loan. I never even visited this lender 's site. Now after visiting their site and seeing their privacy policy of : " Aaniiih Nakoda Finance , LLC DBA Bright Lending is an entity formed under the laws of the XXXX XXXX XXXX Community of the XXXX XXXX XXXX of Montana ( the XXXX ), a federally-recognized and sovereign American XXXX XXXX. Bright Lending is wholly-owned by the XXXX. Bright Lending is a licensed lender authorized by the XXXX XXXX XXXX XXXX. '' They don't even sound like a legitimate business company. Today, I called and revoked my ACH authorization after I have already paid this company more than what I borrowed. I have paid them {$1200.00} from an {$800.00} loan. I asked them to please close this account and cancel this debt as I would be contacting my attorney and filing suit against them. I have a XXXX  daughter and a husband and rent my home. We live paycheck to paycheck with no savings and very little money in the bank. I need assistance in closing this account and I am not against helping others who are also in my situation get justice from companies like Bright Lending who think it's ok to make a customer pay them {$4400.00} from a {$800.00} loan. Thank you for your time. I have my loan agreement attached for you to browse and share with anyone needed.
Product: Money transfer, virtual currency, or money service

I need to pay the fees but it says I can not due to recent changes. What good is my bank account if I cant use it to pay for things?
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced a vehicle wi th    XXXX   XXXX   XXXX   in  XXXX , GA  in    XX/XX/XXXX  while  resident of the state of Maryland. The refinance document was executed in th e State o  f Maryland.       XXXX  repossessed the vehicle i n  XX/XX/XXXX  of t he same year in the  Sate of   Maryland.  Due to a single late payment.     They never gave me access to the vehicle to recover personal items from the vehicle. I had a computer with multiple monitors, prescription glasses and clothes in the vehicle.      XXXX  never sent me a discretionary notice, which is required in the  state of   Maryland to rec over repossession fees.      XXXX  never sent me a 5 day notice of my right to redeem which is required by Maryla nd State Law. Whic h prevents them from collecting any type of deficiency balance in the  State o  f Maryland.       XXXX  never advised me of the location, date or time of the public auction that is required for them to collect any type of deficiency balance in th e State of G eorgia.      XXXX  has reported a deficiency balance since   XX/XX/XXXX  to my credit report showing that I owe them {$5600.00}.      They continue to update this reporting with the credit bureaus. Last update wa s  XX/XX/XXXX .      The fail to report a date of last activity to the credit reporting agencies.     Any alleged debt to     XXXX   XXXX   XXXX   would not be enforceable in the State of Maryland or in the State of Georgia due to them not following applicable state laws.      XXXX  continues to participate in an illegal scheme to poison my credit report by stating that I owe them a non legitimate debt.        XXXX   XXXX   li belous acts have caused me to pay interest rates higher than I should on a recent car loan or to be denied credit.     I have initiated disputes with the credit bureaus and directly with  XXXX   XXXX   XXXX  and they continue to verify that I owe them a valid debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Incorrect Charge-Offs on Credit Report Dear Sir/Madam, I am writing to formally dispute the accuracy of several charge-offs appearing on my credit report. These charge-offs, which I have listed below, should not be reflected as outstanding debts, as they were considered income under the IRS guidelines and reported on a 1099-C form : 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  The creditors have already reported these amounts as canceled debt on IRS Form 1099-C, which I included as income on my federal tax return for 2023. As such, these debts have been legally discharged, and the amounts should not be listed as outstanding or derogatory entries on my credit report. 

I respectfully request that these charge-offs be removed from my credit report immediately, as they are inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my claim and remove any incorrect information. 

Please notify me of the results of your investigation in writing. If these entries are not corrected, I am prepared to escalate this matter and may consider further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Thank you for your time and prompt attention to this matter. I look forward to receiving confirmation that these errors have been corrected. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) provides consumers with protections regarding the accuracy of their credit reports. To address a fraudulent voluntary surrender of an auto loan on your credit report, you can write a strong and legally grounded dispute letter to the credit bureau ( s ). Heres how you can draft it to ensure the greatest chance of removal : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Address of Credit Bureau ] Re : Request for Immediate Removal of Fraudulent Voluntary Surrender Auto Loan Account Number : [ Insert Account Number ] To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The information pertains to an auto loan listed as a voluntary surrender, which is both fraudulent and completely incorrect.

Supporting Legal Grounds : 1. Violation of FCRA Section 605B ( Identity Theft ) : Under this provision, I am entitled to have fraudulent information resulting from identity theft blocked or removed from mycredit report. Attached is a copy of my Identity Theft Report ( e.g., police report or FTC Identity Theft Affidavit ) supporting my claim.

2. FCRA Section 611 ( Accuracy of Credit Reporting ) : As per this section, credit bureaus are required to investigate disputes regarding inaccurate or incomplete information. This account does not belong to me, and its inclusion is damaging and erroneous.

3. FCRA Section 623 ( a ) ( 1 ) ( A ) : The original furnisher of information is obligated to ensure the accuracy of their reporting. This fraudulent account violates their duty to provide accurate information to the credit bureaus.

My Request : I demand the immediate removal of this fraudulent account/REMARKS from my credit report. This account has been reported in error and is causing significant harm to my creditworthiness. 
: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; {$20000.00} REMARKS : returned voluntarily ; voluntary repossession EXPERIAN, XXXX, XXXX Under the FCRA, you are required to complete your investigation and respond within 30 days of receiving this dispute. Failure to comply with these legal requirements may result in legal action under federal law.

Please confirm receipt of this dispute and keep me informed of your progress. You may contact me in writing at the address provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY I NOTICED A COLLECTION AGENCY BY THE NAME XXXX XXXX XXXX ON MY CREDIT REPORT FOR A COLLECTION OF AN AUTO LOAN THAT DOESNT BELONG TO ME ... .I FILED A ID THEFT REPORT AND WOULD LIKE THIS REMOVED FROM MY CREDIT PROFILE
Product: Mortgage

I ended my forbearance with Suntrust bank as XX/XX/2021 however I still can't prove that to bank which refinances my mortgage. They ask me to get a letter from SUNTRUST, showing that I am out of forbearance, but THEY don't give me that. I called THEM many times talked to many people, nobody was able to provide that letter.The bank statements shows that I make my mortgage payments properly since XXXX till today.
Product: Debt collection

I was contacted by my homeowner 's insurance company about a letter they received from my debt collector/mortgage processer SPS Servicing XXXX 

In the letter, SPS Servicing, a debt collector, stated that they ( SPS Servicing ) have initiated a foreclosure action on our property due to a default under the terms of the security agreement. 

Legal action was initiated on XX/XX/XXXX. 

That means my home has been in foreclosure for 10 years. How is that even possible? 
Because there is a statute of limitations of 6 years for mortgage debt. 

First, there is no record within the Connecticut XXXXXXXX XXXX indicating any foreclosure proceedings whatsoever on our property. Their statement to my insurance company is patently false. 

Second, the collection agency sent us a letter dated XX/XX/XXXX, saying our mortgage was referred for legal action. ( NOT FORECLOSURE ) yet they told our Insurance company we were in foreclosure. They said we have alternatives to Foreclosure. We have communicated tirelessly with this company to no avail. They either disregard our requests for validation and/or refuse to discuss options that are viable to our financial situation. 

Furthermore, we have written to the mortgage/debt collector for validation of the debt and the name of the holder of our actual deed, and they responded with a trust company. We submitted a letter of debt validation to the trust company on XX/XX/XXXX. They did not respond. 

As of XX/XX/XXXX, we were contacted by another debt collection agency for the mortgage. We have since requested a validation of debt with them as well.