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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the FCRA Sections 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX BANK XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

On my most recent account statement, Santander charged me a {$3.00} " paper statement fee. '' I had not been notified that I would be charged for receiving my checking account statements via XXXX Mail. Not only was the fee a surprise, but it is also unjustified because the price of printing and postage does not add up to {$3.00}. Nevertheless, I complied with Santander 's desire and signed up for online statements. Then I asked Santander to reverse the {$3.00} fee in light of lack of notice. To date, Santander has not reversed the fee.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

I have two accounts in collection, the first is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and the other is from XXXX XXXX, the one for {$2400.00}, neither of those debts are mine. Show all the documentation that ensures that they are mine.
Product: Credit reporting or other personal consumer reports

20 USC 1232 g ( b ) ( FERPA ) Family educational rights and privacy act states you tcan not add any educational records on my report 15 USC 1681B states that you need written permission to add anything to my credit report, I never gave written permission for this account to be added to my credit report.

15 USC 1681 also states that you have to respect my right to privacy!

15 USC 1681n states that if you do not remove this account I am subject to up to {$1000.00} per violation and I have found close to {$20000.00} worth of violations on my account 12 CFR 1016.1 requires that financial institutions provide notice to its customers of privacy policies and practices. This also gives me the right to opt out of that disclosure. Every company must provide a privacy notice before adding anything to my report!! I also have the right to opt out of anything I want in my credit report and that is what Im doing.

12 CFR 1016.7 states you must provide a clear and conspicuous notice that accurately reflects your practices.

15 USC 6805 is the law that enforces the Equal opportunity credit act 15 USC 1681 C states that you can not add any adverse action to a credit report unless its a past conviction.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX 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 15 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.
Product: Debt collection

Case # : XXXX On XXXX, I received a letter that you are trying to collect a debt written off and that there is no legal contract or agreement between Midland Credit Management and myself that would validate your authority to collect this debt. Your continued attempts to collect this debt are unlawful and unenforceable without a legitimate contract or agreement. Your attempts to collect this debt violate the Fair Debt Collection Practices Act ( FDCPA ). I demand that Midland Credit Management immediately : Cease all communication regarding this debt, except to inform me that you are terminating collection efforts or to notify me of specific legal actions. Provide thorough validation of the debt as required by law, including documentation proving that I owe the debt and that you have the legal authority to collect it. Correct any false information you reported to credit bureaus, and confirm these corrections in writing. Failure to comply with these demands will leave me with no choice but to pursue all available legal remedies to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as considering potential legal action for violations of the FDCPA. I expect a written response from your office within 30 days of receipt of this letter, detailing your steps to resolve these issues and providing the required debt validation. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I submitted a balance transfer request on XXXX/XXXX/XXXX with Discover to payoff my line of credit with XXXX XXXX XXXX in the amount of {$1900.00}. The balance transfer of {$1900.00} plus a transfer fee in the amount of {$57.00} posted to my Discover account on XXXX/XXXX/XXXX. I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX due to my account still not showing paid. They informed me that they did not receive the balance transfer and do not have any sight of it in their balance transfer department. I made sure to verify all information that I submitted to Discover including my account number, payoff address, and amount with XXXX XXXX XXXX. All information was correct on their end. They advised me to contact Discover to get a 15 digit trace number, date submitted, and amount. I contacted Discover, they also verified all information I submitted for balance transfer was correct. They advised that the amount, payoff address, and account number was correct but did not and could not provide me with a 15 digit trace number. They advised that it would take 15 days to investigate. Meanwhile I still have a balance with XXXX XXXX XXXX that 's adding interest daily, and now I have a balance in the same amount with Discover plus a transfer fee. Both accounts are on my credit as balances and debt. I am in the process of purchasing a home and this is negatively affecting my credit and loan decision. I expressed concern to Discover and also frustration that my money and account information for both banks are out there somewhere and no one can find. I asked to speak to a manager, I was told they were all busy and it would take 72 hours for one to call me back. This is unacceptable and I expressed the wish to have the balance transfer cancelled, my transfer fee credited back to my account, and my account closed.
Product: Credit reporting

I have filed lawsuits against XXXX and Equifax. A s a result, these credit bureaus will not supply the required annual report for unknown reasons.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts to rectify this matter, the problem persists, causing significant inconvenience and distress. I have diligently followed the prescribed procedures for reporting and disputing these unauthorized items. However, each time I undertake these steps, I am met with limited success and often encounter unnecessary hurdles in the resolution process. This not only wastes my valuable time but also compromises my trust in your organization 's ability to safeguard my account information. 

I urge you to take immediate action to address this issue comprehensively. This should include : Conducting a thorough investigation into the source of these fraudulent activities. 
Implementing stricter security measures to prevent unauthorized access to accounts. 
Streamlining the dispute resolution process to ensure prompt and efficient handling of such cases. 
Offering appropriate compensation for the inconvenience and potential financial losses incurred due to these fraudulent activities. 
Furthermore, I request regular updates on the progress made towards resolving this matter and preventing its recurrence in the future. 

Failure to address this complaint satisfactorily may compel me to explore alternative options, including legal recourse and severing my ties with your organization. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : : {$2000.00} XXXX XX/XX/2022 XXXXXXXX XXXX XXXX **** Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$6800.00} XXXXXXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX  Balance Owed : {$29000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : : {$2000.00}.
Product: Checking or savings account

I opened a bank account with First Horizon Bank of Tennessee on the promise of " free checking '' and " no hidden fees. '' However, upon closer inspection, the terms and conditions mentioned small print about overdraft protection and its associated charges. I opted out initially, but later unknowingly used my debit card for a purchase that exceeded my available balance.The bank, instead of declining the transaction, covered it as an " overdraft service, '' triggering a hefty fee. This fee, coupled with insufficient funds to cover it, resulted in another fee, and another, creating a snowball effect. I tried contacting the bank to explain the situation, but their policies were inflexible, and the fees kept mounting.Unable to resolve the issue and drowning in fees, The bank eventually closed the account with a negative balance. This information was reported to XXXX, a credit reporting agency specializing in bank activity. Now, with a tarnished XXXX report, opening a new account at any bank becomes an uphill battle.
Product: Mortgage

I was approved for a partial claim on XX/XX/XXXX. However, when the approved partial claim paperwork came out to me to sign, there were errors in the spelling of the last name. I was advised by the bank that it would be corrected and new paperwork will be sent. 
Today, XX/XX/XXXXXXXX  I received a call from the bank to review my approval for a loan modification. The terms totally changed my interest rate from 2.875 % to 7.27 % and my monthly rate would increase by $ XXXX.I reminded the representative that I was approved for partial claim, not loan modification. I was then advised that they can not honor the partial claim offer. I asked for an explanation and he could not provide a clear explanation, except to say there is nothing they can do. 
I am looking for the bank to honor my partial claim approval with the same interest rate of 2.875 %
Product: Credit reporting or other personal consumer reports

Equifax is refusing to remove closed accounts from my credit report, Pursuant 18 usc 8, I do not owe any debt, these companies on my credit report are violating my CONSUMER RIGHT TO PRIVACY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing my credit with XXXX, XXXX, and Experian. i have sent certified letters they have not responded in over 90 days time. i have certified receipts of delivery status and there have been zero effort in correspondence and by law you have 30 days to respond which has been violated. Please see the following Tracking ID for certified proof of delivery. XXXX ; XXXX ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my previous complaint with Chrysler Capital, the major part of my complaint was not at a addressed. The company did NOT address my complaint that they reported late payments even though I inquired about and received payment deferral for XXXX and XXXX due to COVID.
Product: Money transfer, virtual currency, or money service

On Monday the XXXX of XXXX My roommate and I found a beautiful home so she messaged the guy ( XXXX ) to tour the home. We get to the home and call the number that was provided. He ( XXXX XXXX answered and walked us through the lockbox to be able to get into the home and see it. We love the place and wanted to put a down payment so it could be ours and we could start moving in. We paid the man ( XXXX ) {$800.00} for the deposit, through Wells Fargo XXXX, on the XXXX of XXXX, because we fell in love with the home. The very next day we received a call from the REAL renters of the home stating we should be wary of scams. That's when we knew this guy ( XXXX XXXX had just scammed us out of {$800.00} dollars. We now need that {$800.00} dollars to put towards a real place to live. We called Wells Fargo to submit a claim, but was then told that the bank made " no errors ''. Like yeah, duh. We got scammed we voluntarily gave someone money to be able to live at a place we thought would be our next home. We asked the guy ( XXXX ) to give us our money back but he now wont respond to our messages ( GO figure ). Our lease is up soon and we now have no money to put towards a down payment for a place to live.
Product: Debt collection

Ability Recovery Services has a collection on my acct for an XXXX XXXX for XXXX XXXX. I have not applied for this school in over 8 years. No payment was made on this particular acct. I have went to this school twice before. Once as a minor and once as an adult and all fees were paid in full and has been off my credit report for a few years. Then another acct comes up with me owing them {$1400.00} which I feel was a mistake on their behalf. I have not been a student of this school in I know over 8 years. I have asked serval times for proof of this acct. None given to me. No one would just apply for a school in someone else name with no benefit to them. I think the company has applied someone else debt to me by mistake.
Product: Mortgage

I 've owned my home since XXXX. In XXXX I refinanced my mortgage with XXXX with a loan for {$500000.00}. This was an interest only loan with a fixed interest rate. It went along fine until OCWEN took over servicing in XXXX XXXX. I had been paying my monthly mortgage of {$3200.00} since the beginning of XXXX. The interest due on my loan was {$2800.00} per month. That left XXXX for my escrow. It turns out that I was underpaying my escrow by about XXXX but I did not know this at the time. As I said I had paid that every month during XXXX and there was never any complaint from Litton. But the very first month after OCWEN took over there was a problem. This was XXXX XXXX payment which I made on XXXX XXXX, XXXX. Rather than pay the interest due and put the remainder into escrow ( which is what the deed of trust says to do - first pay interest then pay escrow ) they paid the escrow first. They took out {$410.00} out of my payment to pay the escrow and then they paid the remainder toward the interest XXXX {$2800.00} ). However, that meant I had not fully paid the interest due on the loan. OCWEN realized that they were not paid the full amount of interest and on XXXX XXXX, XXXX they sought to fix the error. What they did was illegal and had caused nothing but problems ever since. OCWEN lent me {$38.00} without my permission and without authority in the loan documents. Initially I borrowed {$500000.00}. Effective XXXX/XXXX/XXXX my principal loan balance was {$500000.00}! Oddly the amount that was off was actually {$39.00} was what I was short so I have no idea why they did {$38.00}. After that it just got worse. Every month when I made my {$3200.00} monthly payment OCWEN would put it into suspense and not apply it. I understand that I was paying about {$39.00} too little but I did not know that and Litton had allowed it the entire year. Also please note that I always got money back annually from my escrow. This holding my payments in escrow went on for month after month generating fees after fees until a bank rep reached my wife and told her we were behind XXXX payments so she immediately sent in the money that was asked for. What happened with that is that OCWEN took the short fall out of that payment and paid the rest towards principal so that the following month I was back to being put in suspense. By XXXX I had figured out I needed to send in more for the escrow and from that time till now I have been paying the exact correct amount. Yet they still charge me late charges and other fees every month. I hired a lawyer who reviewed the payment history and explained to me how it is that I make every single payment on time and yet I am going into foreclosure. Can you help me? I am willing to pay them all the money they want but I do n't want to pay all the fees. This started by them making a mistake! Can you help me? Can you call my lawyer? XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested Transunion to remove certain unauthorized credit inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), these inquiries should not be included in my credit report without my explicit consent. 

The specific inquiries I am disputing are as follows : XXXX. Inquiry by [ XXXX XXXX XXXX  ] on [ XXXX ] XXXX. XXXX by XXXX XXXX XXXX  XXXX  XXXX ] on [ XXXX XXXX ] XXXX. Inquiry by [ XXXX XXXX XXXX ] on [ XXXX ] XXXX. Inquiry by [ XXXX  XXXXXXXX XXXX XXXX ] on [ XXXX ] XXXX. Inquiry by [ XXXX XXXX XXXX ] on [ XXXX ] XXXX. Inquiry by [ XXXX ] on [ XXXX ] Accordi

ng to 15 U.S. Code 1681b ( c ) of the FCRA , a credit reporting agency may only furnish a consumer report under specific circumstances, one of which includes the consumer 's authorization. I have not given my authorization for the above-listed inquiries, and therefore, they should be removed from my credit report immediately. Additionally, I am providing a copy of my identification and proof of address for verification purposes.

Please investigate this matter and remove these unauthorized inquiries from my credit report. I expect your prompt attention to this issue and a confirmation in writing that these inquiries have been removed.
Product: Credit reporting or other personal consumer reports

I opened a secured card with discover. I sent them XXXX dollars. They're saying I owe them that XXXX dollars that I sent them.