23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

this is a continuation of complaint number XXXX after 3 attempts to get Bank of America to refund the XXXX cited in the previous complaints, the money was returned to me via a credit memo : XXXX/XXXX/2015 XXXX/XXXX/2015 Credit MemoXXXX for check number XXXX. 
XXXX XXXX $ XXXXThis is the money that Bank of America claimed they had not received on three occasions. The XXXX was instrumental in obtaining the refund and I have nothing but high praise for them. Regards Bank of America, their adamant denial of not having received the money was simply not true. I sent copies of the back and front of the check and they STILL maintained that they had not received the funds. I still feel that Bank of America collected on an account already paid in full and their denial of receiving and entering the payment is a violation of good business practice and the fair credit act.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I was informed when I pulled my credit to myself that there was a couple of bad items on my name. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report.
Product: Consumer Loan

I returned a leased vehicle to  XXXX  on   XXXX  , before the lease through  XXXX   XXXX   XXXX  matured on   XXXX  . Dealer reviewed vehicle and did not see any damage, however said a third party reviewed all vehicles upon return and would do so in the next week.   On   XXXX   a check was issued and mailed to my correct address from  XXXX   XXXX   XXXX  for {$530.00} in over payment after satisfactory completion of the lease and return of the vehicle.   I did not receive any further correspondence in regards to the lease from either  XXXX   XXXX   XXXX  or  XXXX   XXXX   XXXX   XXXX  for all of  XXXX . On  X/XX/XXXX , I received a letter in the mail ( dated   XXXX   ) from  Central Credit Services, LLC ( a debt collector ) wh ich said I owe {$1500.00} to  XXXX   XXXX   XXXX   XXXX  and said " your leased vehicle was returned and your account balance  may consist of one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and above the allowed by your lease agreement ''.    I contacted both  XXXX   XXXX   XXXX  and  Central Credit Services an d inquired about the letter and also why I was receiving notification of any supposed issues 13 months after the vehicle was returned with no communication in the interim other than the refund check I received from  XXXX   XXXX   XXXX  for satisfactory completion of the lease. A  XXXX   XXXX   XXXX  representative said additional correspondence was mailed - however they notice it was mailed to another address in a different state. The representative also said now that the matter was with a debt collector they will not provide that correspondence and I must work with the debt collector.   I contacted  Central Credit Services  and their representative was just extremely rude, said they just received the file, do not have any of the correspondence, but the debt is mine and demanded payment and that I tell them how I will pay. When I challenged further the representative said she would mail me pictures of the damage on the vehicle ( of which I know there was none ). The pictures I received in the mail were approxima tely 1 inch x 1 inch s canned. Absolutely nothing can be seen in the pictures. You can not even tell what you are looking at.   Very frustrated with both organizations. I was issued a refund check, received no correspondence for over a year, and now am being told I owe {$1500.00}. I also know for a fact there was nothing wrong with the vehicle when I returned it and the milage was well below the amount allowed under the lease terms.
Product: Debt collection

This debt was charged-off with the IRS by original creditor, which was XXXX XXXX XXXX XXXXy Bank admits to selling the debt to CREDIT CONTROL , LLC. XXXX XXXX also admits to no longer pursuing the debt, so there is no debt to pursue as my ending ledger balance with them is {$0.00}. 
However, here enters an interloper, CREDIT CONTROL , LLC, unauthorized to contact me, with demands for me to pay them a debt not owed to anyone, much less them because we have no standing contract in place, and never did. I have never heard of them but they call and harass me constantly as well as send numerous letters. 
I have written them to dispute this debt, and also requested validation as that is my right, and have yet to hear from them. please notify them that they are in violation of the consumer protection laws, and see that I am justly compensated for my hardship. 
Thanks!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$1700.00} Date of Account : XX/XX/XXXX
Product: Credit card or prepaid card

I, XXXX XXXX, a Natural Person, Cardholder, rights have been violated by Capital One Bank USA NA, my credit limits was decreased without my consent and authorization. As a federally protected consumer, my rights have been violated.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AR XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXXXXXX is paid off on Experian, XXXX, and XXXX. Also payment history is inaccurate across all 3 bureaus '. They are showing 120 days past due when I in fact have been on time through the entirety of the debt. It is not possible to report 120 days late when neither bureau reported this account 30 days late. This ultimately stopped me from acquiring credit and this account should be removed immediately due to their negligence of credit reporting accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time in XX/XX/XXXX, XXXX XXXX sold my mortgage to XXXX. I did not authorize this, initiate or suggest this change. My mortgage was with XXXX XXXX since XXXX. When XXXX sold this mortgage, they closed my account. This caused my mortgage history to be eliminated with the credit bureaus, and showed up on XXXX XXXX, and Experian as a closed account. I did not authorize nor request the account be closed. 

This change also resulted in a 69 point drop on all my credit reports. When I called to dispute this, XXXX said there was nothing they could do about this, and to keep paying on time as I have been doing, and the score would rebound. 

This is absolutely absurd. I work hard on paying my bills on time in an effort to keep an outstanding credit report. 

Please address this situation. It's devastating to see your credit score is in the 700 's, but a business takes this action, dropping your score to 600 's, and the consumer has no say in the matter.
Product: Debt collection

TILA Rescission letter was mailed on XXXX XXXX, 2010. The effect of TILA Rescission is, as a matter of law and by operation of law, to cancel the loan contract, and to render the note and mortgage void. The matter is well settled, to wit : the rescission exists, it is effective as a matter of law. The rescission is effective upon mailing. The pretender lender, Bank of America N. A., do not dispute that rescission has occurred but seek to invoke issues in a case that is not and can not be before any Court, to wit : whether the rescission is effective. And they seek to do so through motions in which they deftly avoid the requirement of pleading and proving facts in a proper lawsuit to vacate the rescission, thus depriving the homeowner of their right to raise appropriate defenses to the non-existent lawsuit seeking to foreclose. Pretender lender want the courts to enter an order that would impliedly vacate the rescission. The pretender lender seek to have the court assume facts about the consummation of the alleged loan including the date or dates when consummation occurred and the source of funding for the alleged loan. They even want the court to assume that disclosures were adequate. They seek to have courts adopt the premise that the rescission is not effective upon mailing if there are potentially defects in the reasoning or actions of the borrower. ( XXXX v Countrywide ). SCOTUS clearly stated that the rescission is complete upon mailing, regardless of whether it is disputed or not. This eliminate the right of Bank of America N. A., et al to raise a challenge. All three branches of government are in unanimous agreement : TILA Rescission is effective upon mailing by operation of law. Nothing further is required from the borrower.
Product: Debt collection

I am writing to formally dispute a debt that has recently led to a court order to garnish my wages from Midland Funding LLC. I was made aware of this action in XX/XX/XXXX and am deeply concerned about its validity, given the age of the alleged debt and my lack of awareness regarding it. 

The debt in question dates back to XXXX, and I believe it should no longer be reportable or actionable under the Fair Credit Reporting Act ( FCRA ) and relevant state laws. According to the FCRA, negative information such as this should only remain on my credit report for a maximum of 7 years from the date of first delinquency. The statute of limitations for Arizona is 6 years. 

I kindly request that you : XXXX. Investigate this matter thoroughly and verify the validity of this debt. 
XXXX. Provide me with all relevant information and documentation regarding this debt, including the original creditor, the amount, and the date of first delinquency as well as the original contract. 
XXXX. Remove any references to this debt from my credit report if it is found to be inaccurate, unverifiable, or outside the statutory period for reporting. 

Enclosed are copies of all pertinent documents related to this case, including the court order for wage garnishment. I appreciate your prompt attention to this matter and expect a resolution within the XXXX period as stipulated by the FCRA. 

Please contact me at the above address or phone number if you require any further information or clarification.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX ) XXXX XXXXXXXX account # : XXXX XXXX ) XXXX XXXX XXXX account # : XXXX These accounts are fraudulent accounts. 

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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX a fraudulent transaction was made of {$600.00} from a company ( XXXX XXXX XXXX XXXX XXXX ) on my XXXX  debit card without my knowledge or consent. I had called my financial bank ( FIFTH THIRD BANK : XXXX XXXX XXXX ) to report this fraudulent transaction and to cancel the debit card. 

Two days later on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX had deposited {$36.00} onto the debit card that I had recently just cancelled on XX/XX/XXXX. I had then informed my financial bank to report that questionable transaction that was made by XXXX 

XX/XX/XXXX a new XXXX debit card was then issued to me WITHOUT that {$600.00} FRAUDULENT transaction that was made on XX/XX/XXXX. 
I had called XXXX to question my missing {$600.00} that was made by XXXX and was informed that an investigation will be initiated on the fraudulent transaction. 
XXXX  had sent me a form to fill out on the claims of me ( XXXX XXXX ) not approving or even acknowledging this fraudulent trans action. 

On XX/XX/XXXX I had received a letter from XXXX XXXX XXXXXXXX, informing me that their investigation was finalized and was determined that there was no error. 

" Record analysis indicates that no fraud has occurred as investigation results match information on file. NO CREDIT WILL BE ISSUED. 

The letter serves as final resolution of your claim. '' In conclusion, I will be disputing this finalized results on their behalf and wanted to report this claim to CFPB. 

Thank you.
Product: Credit reporting or other personal consumer reports

Furnisher of information : Wells Fargo Account XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 it 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, 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. '' Wells Fargo 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. '' Wells Fargo the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not havemy written consent. Any and all consent to XXXX, XXXX, XXXX, Wells Fargo 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. '' Wells Fargo 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 listed above 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, 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

These accounts reappeared to my credit report. I am requesting to have them removed and block as they are costing me a lot of stress like XXXX XXXX XXXX XXXX.i 'm a single father of XXXX kids that I need to send to school These accounts were due to identity theft and are fraudulent. 





XXXX XXXX XXXX XXXX Status Closed Balance {$5600.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$9300.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6100.00} Type Collection Payment Status Late XXXX XXXX  XXXX Status Closed Balance {$9700.00} Type Installment Loan Payment Status Late
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$220.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$140.00} XXXX   XXXX  XXXX {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the TransUnion Credit Bureau dated XX/XX/2022 to update these questionable accounts. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXXXXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me and told me there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made an account withXX/XX/XXXX XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

BANKRUPTCY XXXX {$0.00}
Product: Debt collection

I habe had this debt removed over and over.  Its not mine.  I have been giving letter from hsbc and already sent to you several times.  Company keeps calling and harassing.  Telling me I better pay my debts from 2005.  Wouldn't get calls if I was paying my debt.not mine tired of you allowing people to rtepeatedly sell false information regarding myself
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance {$3900.00} MB XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} XXXX XXXX  XXXX XXXX XX/XX/XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Mortgage

I paid anywhere from $ XXXX a month above my actual payment amount to Ditech. Per my loan agreement and their web site, the extra money should be applied against the principal. Instead, Ditech applied the funds to an " unappropriated '' funds account, where the money sat with no interest earned or, more importantly, applied to the principal owed. This is clearly a breech of contract on Ditech 's part. They refuse to answer four written inquiries for explanation and/or resolution.
Product: Payday loan, title loan, or personal loan

In an attempt to gain access to funds to help obtain funding for necessary items and not having the surplus due to supporting another family during the pandemic. even with good credit no missed payments in 14 years and full time employment that has not ended during the crisis. 1 area that our balances of revolving credit is too high to income ratio is stopping us from gaining needed money to keep from having failing finances and no lender is willing to help. No offers of any kind of assistance other than denials due to high balances. We thought financial assistance was being provided for individuals?