23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute certain entries on my credit report based on violations of privacy rights and other legal concerns. below are the issues identified and the corresponding legal basis for my dispute : Charge-off Entry The charge -off entry listed on my credit report is inaccurately labeled. Under the legal framework of the certificate of indenture, this entry should be classified as income and must be removed from my credit report. As it currently stands, this entry is misleading and does not reflect my actual credit status. Please remove this charge-off entry and update my credit report to accurately reflect this information Utilization Status The credit report shows my utilization status inaccurately/. The law stipulates that the reporting history should not misrepresent the agreement terms. I request that you update my utilization status to " Paid as agreed ' to reflect my compliance with the terms. 

Transaction History Reporting It has come to my attention that my transaction history has been reported in violation of federal regulations. The law specifically prohibits the reporting of transaction history as it constitutes an illegal disclosure of personal information. 
I request immediate removal of this transaction from my credit report Student Loans I have found that my student loan information is being reported in violation of the educational privacy act of 1974. According to the privacy agreement signed with my educational institution, they are prohibited from sharing transaction details with third parties. This breach of privacy is unlawful, Therefor. i Request that any such information be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX This letter is in response to your recent claim that the account ( s ) listed above have been verified and that the information they are reporting under my name is accurate. 

I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation, including person names you have contacted, addresses and the method you used to verify it, or remove the negative information. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Im a victim of identity theft someone got hold of my XXXX card and used it when I first found out I contacted the company right away which they blocked the card and send me a new card, but for some reason they still want me to pay for the items I didnt have
Product: Credit reporting, credit repair services, or other personal consumer reports

you have sent me this letter after my complaints This is my EMAIL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX ( XXXX ) XXXX Social Security # XXXX This is Me if i have any more difficulties with this matters i will have to take a legal approach
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received 2 hard credit inquires that I did not do. Feb/destiny and XXXX my social security was compromised. These two credit cards were opened and used
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I moved over {$100.00} ( of XXXX coin ) into a Binance.US account. I was able to make an initial trade from their native token " XXXX '' to three other tokens. After doing so, my account became locked pending verification. I over the course of a few days I submitted all the necessary legal information for their verification process. It has never unlocked the money I sent in. It says I can only withdrawal from that account, but when I attempt to withdraw it says I do not meet the minimum requirement to transfer. I can not trade it back to their native XXXX coin and withdrawal that. My finances are locked and the company has never responded to any of my support requests. 

I've since come to find forums full of USA users which thousands, possibly millions of dollars locked up by Binance.us and no way of getting it out. 

This is fraud. They should at least cut me a check and let me walk away, but instead these tokens are locked up and decreasing in value while their company makes a hefty profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( MO ) 281 SW 715,719 I presume that no proof of the alleged debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves   XXXX   XXXX   XXXX   on  XXXX , Partial account number   XXXX   Date opened :  XX/XX/XXXX Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter  XXXX  Account history Debt included in Chapter  XXXX  Bankruptcy on  XX/XX/XXXX 
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone number  XXXX  partial account number ;  XXXX , date opened XX/XX/XXXX . I just recently traded in the vehicle in  XXXX
Product: Credit reporting or other personal consumer reports

I sent a complaint ( XXXX ) that was closed and I was informed that there was nothing left to do as my complaint was sent to that AG for XXXX. 

I haven't heard anything yet, but I thought I should include some of the issues with the " Lender 's '' response and documentation therein. 

Been asking over and over about licenses for drafter and branch, and they send a response with no unique identifiers present. 

Asked for proof of this alleged {$40000.00} past due balance... they send an altered transaction sheet, and even it shows that those alleged charges are posting to the account are not charges against it. 

No rights and disclaimer. Most specifically my right to rescind. 

Authentication issues with any XXXX  loan are well noted. I've asked them over and over how they can even try to assert legal rights to enforce this debt on those ground and nothing. Requested proof that they've obtained this instrument in due course and nothing? 

How much nothing before this company is in dishonor. 

I've taken the initiative to pay my insurance for the year to see if this company was capable of refunding something, but in pure XXXX fashion, not only have I been charged again for insurance ( or at least what's said to be ). There's justification for no change in the escrow projection. 

Threw in an escrow analysis document so that you can see the immediate payment for insurance. Misapplied funds. Created shortages. Obviously more fraud.
Product: Mortgage

I obtained a Mortgage with Wells Fargo and during the financial crisis of XXXX fell behind on my payments. The property was sold at a foreclosure auction after failing to obtain a modification despite turning in thousands of pages of documents. The property was returned to me 5 days later. After nearly two years and finally obtaining a modification, all past due was added to the principal, and XXXX insurance was forced placed despite having homeowners insurance. Payments were made and on XX/XX/XXXX just 2 months after the modification the property was destroyed in a XXXX fire. I presented a claim, a proof of loss to my insurance company and assumed Wells Fargo would present a claim to it's insurer. ( forced placed ). My policy paid out but was XXXX XXXX dollars shy to rebuild. I held on to the proceeds waiting for the Wells Fargo policy to pay the Mortgage balance. Wells Fargo never presented proof of loss and decided to file a lawsuit against me to collect the monies I had received from my individual policy. I held those monies and used them to pay my mortgage. Wells Fargo breached the mortgage clause, racked up XXXX in insurance charges, the sued for the mortgage balance. Ultimately costing me nearly XXXX XXXX dollars. All of this is a result of those bungled modifications, forced insurance premiums, and failure to meet its obligations under the mortgage clause. Wells has misbehaved and harmed me and actually collected monies from its victims. The hazard insurance raised my payments, and the ultimate slap was losing the home to a covered event and Wells Fargo not FILING A PROOF OF LOSS.
Product: Mortgage

I am over paying my mortgage each month. Loan servicer is not applying my over payment toward principle, but rather holding it in a separate non interest bearing account.
Product: Credit card

I filed a complaint against this company XX/XX/XXXX, consumerfinance is telling me that my complaint is run out of time. So I have filed another one on about XX/XX/XXXX. Now there telling me I ca n't file the same complaint. ( I want to know why ). I 'm just receiving this e-mail today XX/XX/XXXX.
Product: Mortgage

I had a mortgage loan with Mr Cooper since XX/XX/XXXX. I always paid house insurance and property tax by myself. I received notice that my mortgage needs hazard insurance to cover the loan in XX/XX/XXXX. Then I contacted my insurance company to verify if my current insurance can cover for that. The answer is yes. Then my insurance company contacted Mr. Cooper for a couple of times to explain that. But mortgage company still charged me extra fee ( {$220.00} more than usual ) on XXXX statement to force me to buy the insurance {$53.00} and a fee called shortage payment {$120.00} that never showed on my account before. After we communicated, they took out the charge on XXXX and XXXX payment. However, it charged me again on XXXX XXXX payment for {$35.00}. I set up auto-pay with my account, then I can see after they charged. I request to change and correct on my XXXX payment, but no action from them. Also, every time I called they transferred my call to different departments and held on for a long time. No credit went back to me so far. I really disappointed their system and compliance to customers.
Product: Money transfer, virtual currency, or money service

I used Remitly.com for the first time to send some money to my relative in XXXX on XX/XX/2020. The funds have not been delivered to the beneficiary account as of XX/XX/2020 ( 13 days ). 

I have tried to reach out to the customer service of Remitly multiple times in the last 13 days, and haven't got my problem solved. They emailed me asking some extra information needed to process my case, and I replied right away. Again two days later, they asked me the same questions. And I replied that I had already submitted that information. 

I don't know how these big companies get away with their reckless behavior. I am very upset right now because my relative who needed money hasn't gotten it yet, and it's very upsetting for them too. 

I hope if CFPB could help.
Product: Credit reporting or other personal consumer reports

ADRESSES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Employers to be removed XXXX XXXX XXXX ADD CURRENT XXXX  : XXXX XXXX XXXX INNACURATE ACCOUNTS XXXX XXXX  XXXX XXXX XXXX XXXX CLOSED XXXX HAS NO RESOLUTION TO PAY THE BALANCE. COMPANY IS CLOSED AND DOESNT ACCEPT PAYMENT... 
30 DAY LATE MARK XX/XX/year> PLEASE REMOVE XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account number XXXX Switched insurance from XXXX for cheaper rates and was charged 2 months and sent to collections.WILL PROVIDE PROOF PLEASE REMOVE
Product: Debt collection

I received a letter about a request for case dismissal regarding court case # XXXX from Midland Credit Management. I was unaware of this case and that an account had gone to collections for an alleged debt of {$2600.00}. 
I checked my credit report and noticed a derogatory remark on my report, I contacted Midland Credit Management and they said they will send a letter on dispute instructions. I went to the XXXX Police Department on XX/XX/2021 to file an identity theft report. I did not apply for credit through Midland Credit Management nor did I authorize anyone to do so on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  did not bother to review what I submitted supporting that the new posting from credence resource management is another post for the sale to another company/reaging of the debit I had previously disputed that was shown under XXXX XXXX. XXXX  dispute results says Credence certified to them the information reported is accurate which shows account opened date XXXX of this year.
Product: Credit reporting or other personal consumer reports

The information that is on file does not match the opening date, and the balance does not match. 

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 Experian 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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 Experian 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I called Chase Mortgage on three different occasions and was told I was a approved for a disaster loan modification where my payments wouldnt increase and my loan would not start over, and that my payments would be rolled back into to the loan due to Hurricane Harvey back in XXXX and in XXXX I was told that I would be getting an offer letter with the terms of the payment via XXXX as of today I have not received anything, so I called Chase today and spoke to a rep whom told me that I was not approved for anything and that he couldnt guarantee me any assistance even though my home was damage during the storm which was a natural disaster for Texas, my frustration is that I have been given false and inaccurate information about the assistance of saving my home I dont believe my loan is being handled correctly I need someone who can assist me with this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.
Product: Credit card or prepaid card

Goldman Sachs is not consistently reporting my credit card balance every 30 days per FTC laws. I was advised it would be updated ever month, at the end of the month. It was not updated in XX/XX/XXXX. It was last updated XX/XX/XXXX. As of XX/XX/XXXX it still shows the wrong balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau still have inquiries on my report that do no belong to me. I sent in the documents that they asked me to send in. They told me the process would take 72 hours. This was 18 days ago. I called and I resent the required documents. They confirmed receiving them. They are still showing. I was told that the items would be removed after I sent them the required information. 
These need to be removed 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, EQUIFAX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Product: Debt collection

This account has been re-aged. The original account was from XXXX XXXX, dated back in XX/XX/XXXX. Phoenix financial purchased the account and re-aged it to show the original debt was in XX/XX/XXXX. I asked  them in a recorded conversation to update and report the account accurately. They refused to do so and stated that it would fall off my credit in 7 years unless I paid them money, I refused. If every creditor sold a debt after 6 years and the new creditor reported it as new debt, the process would always continue to be on my credit. Please correct this and report the debt accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Forced to move from XXXX at XXXX XXXX apartments in XXXX XXXX, FL due to foundation issues and mold. The foundation was literally on jacks when I moved. My lease was up and the apartment complex kept my deposit for reasons unknown. Never had any damage to the apartment on my behalf after 5 years. They never replaced carpet or painted as promised afterbeach year during lease renewals.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 card or prepaid card

XXXX XXXX charged me late fees and interest on payments I made in plenty of time. 
I overpaid {$98.00} on XX/XX/2021. 
I WASNT LATE IN SENDING BUT THEY CLAIM MY PAYMENT IS 1 to 2 DAYS LATE AND THEN CHARGE ME LATE FEES AND INTEREST CHARGE AND FINANCE CHARGE. 
LATE FEE XXXX. {$29.00} XXXX {$31.00} XXXX. {$38.00} XXXX. {$38.00} INTEREST CHARGE XXXX. {$2.00} XXXX. {$2.00} XXXX. {$2.00} FINANCE CHARGE {$2.00} I WAS CHARGED ALL THESE FEES WHEN I PAID ON TIME BUT THEY DIDNT RECORD UNTIL PAST DUE DATE. 
I overpaid {$98.00} They paid me back {$94.00} They owe me all the fees above and {$3.00} that I overpaid. 
TOTAL OWED TO ME {$140.00} THEY HAVE CLOSED THIS CASE AND I BELIEVE THEY OWE ME THE ABOVE.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth :XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving dispute. 

XXXX XXXX XXXX {$200.00} XXXX  XXXX {$910.00} XXXX  XXXX XXXX {$130.00} XXXX XXXX XXXX {$150.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.