23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Message to XXXX involves a mortgage from 5th 3rd, the problem that I'm having is back in XX/XX/XXXX I paid enough down on principle to wear PMI should have fallen off of the mortgage. I kept looking for about 3 or 4 more months the PMI or FHA insurance never came off of the mortgage, so did a little more research and I am told now that I have to write a letter stating the removal of PMI from my mortgage. I wrote the letter in XX/XX/XXXX and still in XX/XX/XXXX PMI FHA insurance is still on my mortgage it has not been needed since I reached the 20 % of loan total value from original fair market purchase price in XX/XX/XXXX. Why am I still paying PMI FHA insurance on something that hasn't been necessary since XX/XX/XXXX I should have been reimbursed or a credit towards principle.
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 USC 1681. 

XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXXXXXX : ACCOUNT # 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: Debt collection

I hope this letter finds you well. I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. I have recently become aware of unauthorized accounts on my credit report, and I insist on the aggressive deletion of these accounts without any further delay. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The presence of these fraudulent accounts is not only damaging my creditworthiness but also causing undue stress and hardship. Therefore, I demand the immediate removal of these items from my credit report. 

I expect the credit bureau to conduct a thorough investigation into this matter and provide me with a prompt response. As the victim of identity theft, I urge you to take aggressive action to rectify this situation at the earliest possible date.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this 'creditor ' has and continues to violate a surplus of my rights under 15 USC 1681 sect. 602. They have not respected my right to privacy regardless of the alleged business done between both parties. Following countless phone calls communicating that there is a pending 1099c on my account that I have yet to receive. XXXX XXXXXXXX XXXX XXXX XXXX XXXX has failed to provide proof of my oral or written acceptance of this alleged debt which is in direct violation of 15 USC 1681 sect. 604 ( A ) 2 assisting clear violations of 15 USC 1666b, 1637b, 1681s2, 1681, FCRA, FDCPA, etc... 

The bank engages in unsafe or unsound practices, including those relating to management, earnings, information technology, consumer compliance, and internal audit, as well as violations of 12 C.F.R.163.180 ( d ), and noncompliance with 12 C.F.R. Part 30, Appendix D, Heightened Standards and the bank is in noncompliance with Articles XXXX ( Action Plan ), V ( XXXX XXXX XXXX XXXX XXXX XXXX ), VI ( XXXX XXXX XXXX XXXX ), and XXXX ( XXXX XXXX ) of the XXXX Consent Order and Article V ( Suspicious Activity Identification, Evaluation, and Reporting ) of the XXXX XXXX XXXX XXXX. 

I've kept record of my certified letter assisting an notarized cease and desist letter which lawfully should have stopped all communication, reporting and infringement of my account. I've provided additional documentation, if helpful - expressing how their misleading information provided to my FICO report & their lack of compliance with FCRA rules is leaving me without a clear resolution and causing significant distress to my credit worthiness and hindering my ability to acquire essential assets.

It is their responsibility to acknowledge these concerns arising from their incorrect reporting. I appreciate your urgent attention to this matter and look forward to a prompt and equitable resolution. Lack of resolution will leave me no other choice but to have the local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny in this matter, pending immediate relief. 

In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax return for the year in which the cancellation occurred. They have not properly remitted my 1099c so I can properly do my taxes. Because all income needs to be reported and i refuse to be in violation due to XXXX 's unfair practices. Thank you, your cooperation is appreciated in advance.
Product: Debt collection

XX/XX/year> Credence Resource Manage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Credence Resource Manage, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Debt collection

Caine & Weiner has been contacting me for over six months now. They have been calling, texting, and emailing me constantly regarding a alleged debt they have not proven is mine to pay. I've told them they do not have my permission to call or text me, only to email. I also told them I will not be responding to anything at all until they prove to me that this debt is mine to pay. They then sent me a 59 page document that didn't say anywhere that this debt is mine. They then began again with the calls, texts, and emails. 

I have offered them money to put this to bed but not enough for them so they continued to harass me. I recently spoke with their representative XXXX XXXX who spoke to me like a was XXXX XXXX not worthy of her time. I asked her not to record our phone call and she laughed. I think she still recorded it. On the call I asked for more information about my alleged debt and what their next steps will be. I genuinely have been trying to resolve this working with them but they insist on pressuring and scaring me into succumbing to what they want. I then sent an email saying Caine & Weiner does not have my permission to call text or email me. Meaning if they'd like to continue to pursue me they'll have to do it by mail. XXXX responded to my email ignoring my request and asking for money. 

They still have not proven this debt is mine to pay. Their practices are unethical and disrespectful. The two agents I have spoken with directly are XXXX XXXX and XXXX XXXX. Both have been disrespectful, withholding and nonconstructive in our dialogue. They prefer to use vague intimidation language such as " We will be forced to pursue for the balance in full '' rather than work with me to see the issue resolved. 

I have attached my most recent correspondence with XXXX XXXX where she directly ignores my request and asks me again for money, having not proven anything about my responsibility for this debt. 

The alleged original debt comes from a company called XXXX XXXX, I worked for them for a year and a half as a 100 % commissioned sales agent. After I XXXX this job one of my clients terminated their policy with the company. In this alleged situation XXXX XXXX feels entitled to charge me for their lost premiums despite that I was not with the company to maintain the client. This is an alleged debt that rightfully should have fallen onto XXXX XXXX. I have tried to resolve this issue with XXXX XXXX directly but no one has returned my correspondence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account XXXX Notice to agent is notice to principal notice to principal is notice to agent. 


15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

I pulled my Consumer reports from Experian and I notice you have furnished an account there as a charge off XXXX XXXX  XXXX XXXX. 

An account can not be a charge off and a collection at the same time! A charge off is a cancelled debt where a form XXXX must be issued to the consumer! How can you collect on a canceled debt? 
The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the IRS! I will be filing a XXXX XXXX XXXX off definition : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the XXXX to remove debt from XXXX XXXX , however, future payments may be received. 

Write off : a write-off of debt is cancellation of a debt in the account books of a creditor. When a creditor writes off a debt and charges the debtor on the extra amount after the written off debt, it can be taken as evidence that the debtor is XXXX from that written off debt. 


cancellation of a debt : https : //www.experian.com/blogs/ask-experian/what-happens-with-canceled-debt/ How Does Canceled Debt Affect Taxes? 
The IRS considers most forms of forgiven, canceled or settled debt as income for tax purposes. If the amount of your canceled debt is more than {$600.00} and it's considered taxable, the lender is required to send you a XXXX form, which includes the cancelled amount that you'll need to report.
Product: Vehicle loan or lease

The account is a charge off where they were already paid and was supposed to close the account i have sent out letters that have been ignored an it is showing as an open balance which is putting a hardship on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : ONE MAIN Account number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  hasnt complied with FDCPA by way of not providing right to dispute nor debt validation.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not update my consumer credit report to show that this account, XXXX Bank installment loan, is paid in full with a XXXX  Balance. Experian continues to report incorrect information about this account which has negatively impacted my FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

So i received a phone call on or about XX/XX/XXXX and was told i am being sued for a bank account or credit card i supposely used in XXXX in which i have no knowledge of this and at this time i was doing a XXXX turn and in and out of the XXXX XXXX here in XXXX XXXX XXXX my credit is so messed up i am not even able to get a bank account anywhere i would greatly appreciate if this can be fixed and taken off my credit report it's also for XXXX dollars
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied credit for : XXXXXX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Checking or savings account

My Bank of America checking and savings account was closed last Friday XX/XX/21 without ANY warning. My card got declined and when I check online banking it said " Account Locked '', and gave a number for the risk department. I was sent on a wild goose chase to different BOA locations, only to be told I had to call the same number. Luckily I had a car to drive all cross XXXX. After 5 phone calls and being on hold for a total of an hour and a half, I was told that " BOA closed my accounts were closed as a business decision ''. The risk department stated that BOA did not owe me any explanation, because I had signed something upon opening the account that allowed them to close the account at any time, without explanation. There was NO regard for my being an account holder for over a decade, and having thousands of dollars direct deposited over the years ; or for the bills or multiple errands that I had planned to run on last Friday. The customer " service '' was harsh and aloof. I was totally shocked and scrambling to find open a new account so my paycheck won't get bounced back to my job. There is no fraud on my end, nor nothing unusual that occurred. And my funds have been frozen until an investigation is done then my money will be mailed as a cashiers check. Horrible, inconsiderate bank! More like robots than human beings. I was treated like a piece of paper instead of a person. I have received alerts for certain purchases, asking if I authorized it. But when my livelihood was disrupted suddenly, there was no contact or any sort of warning. They need to be shut down. I did nothing to deserve such treatment as a valuable customer.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act capital one Account # XXXX, has violated my rights.illegally selling all of my information 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under dn open end consumer credit plan as late for purpose.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Balance : {$620.00}
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 USC 1681. 
XXXX XXXX XXXX XXXX Account XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account XXXX, has violated my rights XXXX XXXX  Account XXXX XXXX XXXX  Account XXXX 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 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX my phone service stopped working right after I received an odd text that my Coinbase Crypto Currency account password was changed ( which I did not do ). Quickly switching to Wifi on my phone I could not get into my account with Coinbase plus I then received an email that someone authorized a XXXX XXXX transfer into my account. I emailed Coinbase ( which is the ONLY form of communication for their customer service, they have no live agents which makes the process incredibly frustrating ) and they locked my account. However, with my account now locked I could not get back into it. Over 20 emails of trying to get a password reset link to my email failed.

Coinbase has also confirmed that my account was hacked and provided the IP address that did this ( I will provide that attachment ). I was asked to create a new account where they would transfer funds that are remaining, but I have heard nothing since XX/XX/XXXX. 

So as of this note : ( 1 ) I have no idea what the fate of my {$4600.00} + {$1000.00} on additional XXXX funds that were moved over. Coinbase will not confirm this as of this note 1-10 ( 2 ) I can not access my old account that I have been locked out of ( 3 ) I am not clear what insurance Coinbase has for their customers to reimburse stolen funds
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by Planet Home Lending. We extended forbearance until it was transferred to XXXX end of XX/XX/XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I was sent an email from Credit Karma stating that I had just moved which is incorrect. I checked my information on credit karma and saw that there was a new address added to the account XXXX XXXX XXXX  XXXX, NY XXXX which is not mine. I have had to open a dispute before regarding a credit card that was not opened by me so Im not sure if this has to do with that or not. Nonetheless this information was not added by me. I was able to take a screenshot of the new address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed my credit report are showing inaccurate and unverified information that is harmful to my consumer credit profile. I have requested for my instruction to be followed with the certified mail return receipt, sent to Experian. Mail Sent : XX/XX/2021 I also had a phone call with Experian reps. I confirmed with a Experian Rep XXXX, on XX/XX/XXXX, the call started XXXX confirming Experian received my documents on XX/XX/2021 and ended with her acknowledging Experian follows the FCRA and the laws that I stated to her are deemed in my right to be granted. The phone # : XXXX XXXX XXXX XXXX XXXX I have requested Pursuant to 15 usc 1681b ( c ), any consumer reporting agency my furnish a consumer report the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I the consumer XXXX XXXX, have never given Experian permission to report anything on my consumer report. No consent is IDENTITY THEFT. I am demanding the removal of this account : XXXX XXXX : XXXX. 
XXXX XXXX : XXXX XXXX XXXX : XXXX I also requested the removal of 2 hard inquiries of XXXX and XXXX on XXXX XX/XX/XXXX XXXX call started ) with Experian Representative XXXX XXXX she proceeded to remove those hard inquiries and said it would take 24hrs. I have allowed Experian time to fix issue in 30 day timeframe and Experian representative assured me all laws within the FCRA will be followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Bank account XXXX XXXX ; XXXX XXXXXXXX account # XXXX ; XXXXXXXX XXXX account # XXXX ; XXXX  account # XXXX ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX has violated my rights XXXX 

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: Consumer Loan

I paid off a car loan in full to Hyundai Motor Finance on XXXX XXXX 2015 & received a letter stating I had paid in full. In late XXXX 2015 when applying for a home loan, I learned from the lender that the debt was NEVER reported to fico as paid.