23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am attempting to close my checking account with M & T Bank. On XX/XX/2020 I spoke with a representative from the bank on the phone who told me they could not close my account. I needed to write a hand-written letter to a specific branch, but they could not tell me what branch that needed to be. 

The account charges me {$14.00} each month which I no longer wish to pay and I simply want it closed and the charges to stop. They claim that due to the outstanding balance of {$6.00} it can not be closed.
Product: Credit reporting

I attempted to request a freeze on my credit report via the Equifax on-line process on XXXX XXXX, 2015, but the on-line process was inoperative and advised that the request could not be processed. As part of that initial process, I provided all requested personal information, including my current address, SS number, etc. On XXXX XXXX, I again tried to use the on-line process to place a freeze on my credit information and learned that Equifax had in fact placed a security freeze on my Equifax credit file. This had been done without Equifax notifying me of such freeze or providing me the PIN number I will need to release or terminate such freeze in the future. I was advised by the call-in center ( XXXX ) that the PIN was mailed to a prior residential address where I resided three years ago, even though I gave them my current address when I initially used their on-line process. I was told by her that the old address was obtained from credit reports. I feel that my PIN has thus been compromised. Attempts to resolve this with Equifax have been unsuccessful in part because the call-center phone representative apparently does not sufficiently understand English, which is our only spoken language. I was asked repeatedly for the same information, i.e.., spelling of my name, address, social security number, etc. The process took over 30 minutes, including being put on hold several times. 
This entire interaction left me with some discomfort in knowing that my personal information was given to someone who impressed me as being incompetent.
Product: Mortgage

Wells Fargo reported wrong about payments made on their equity loan for XX/XX/XXXX and XX/XX/XXXX to the XXXX credit bureaus. They processed a XX/XX/XXXX payment before they processed a XX/XX/XXXX payment. This caused a 30 day late reporting to the different credit bureaus. In addition after forcing us to turn off paper statements so that THEY CAN SAVE MONEY, they continuously publish false information on their websites for when payments are due as well as their statements ( assuming one downloads them from the website ). They did the same thing for an XX/XX/XXXX payment for the same equity line when they published both on their website and their statements that payments were due by the XX/XX/XXXX when in fact they knew or should have known that this would create a false reporting of a 30 day late payment on all of our credit reports. This has cost both my husband XXXX XXXX and Myself {$1000.00} 's of dollars in higher credit interest charges and has made it impossible to refinance our existing mortgages. We have attempted to have Wells Fargo to fix this with at least 10 X notification that they have been reporting wrong. They have the duty to post accurate information on both their statements and their website..
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from Experian, XXXX, XXXX XXXX immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company is reporting inaccurate information on my credit report. The reported closed date for this account is inaccurate and does not match my records. I was never notified legally with any future movements of this vehicle such as auction etc. They failed to make any changes on this account until a year after the vehicle had been surrendered. I have a police report of the incident in XXXX, when the vehicle was taken. The company made a closed account report until XXXX XXXX. It's been two years since. All records are inaccurate, I've contacted them in attempt to have them provide me all legal docs and nothing has been provided to me. I've sent the company two written dispute letter requesting all information and no response which led me to this final attempt with CFPB. Closed account reported open on one bureau, incorrect date of last payment, and first date delinquent. This company has violated my rights.
Product: Credit reporting or other personal consumer reports

I have never done business with XXXX XXXX XXXX and XXXX XXXX XXXX. Apparently, XXXX XXXX sold the charged off debt and my personal information without my written consent to XXXX XXXX XXXX.I have reached out to rectify the issue, and I will like this income removed immediately.
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. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 am writing to file a formal complaint against Sunrise Credit Services for their violations of multiple consumer protection laws in the handling of my account. The actions taken by Sunrise Credit Services are in direct contravention of several regulations designed to protect consumers. The specific violations are as follows : 1. **Failure to Provide Validation Information** : Sunrise Credit Services has not provided the required validation information for the alleged debt as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection account on my consumer report.

2. **Violation of My Right to Dispute** : I have not been given a chance to dispute the account, which is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This provision mandates that consumers must be given the opportunity to dispute the validity of the debt before any adverse actions are taken.

3. **Use of Deceptive Practices** : The collection agency is violating my consumer rights by employing false, misleading, and deceptive means in their attempts to collect this debt. Such practices are in direct contravention of established consumer protection laws.

4. **Unauthorized Reporting to Consumer Reporting Agencies** : Sunrise Credit Services has no authority to furnish any account to consumer reporting agencies without providing all legally required disclosures. This constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which stipulate the requirements for accurate and lawful reporting of debts to consumer reporting agencies.

The actions of Sunrise Credit Services have caused me considerable distress and have negatively impacted my credit report and overall financial well-being. I request that the Consumer Financial Protection Bureau ( CFPB ) take the following actions : 1. **Investigate the Practices of Sunrise Credit Services** : Conduct a thorough investigation into the practices of Sunrise Credit Services to ensure compliance with all applicable consumer protection laws.

2. **Enforce Corrective Measures** : Require Sunrise Credit Services to remove the collection account from my consumer report until proper validation information is provided and I am given an opportunity to dispute the debt.

3. **Ensure Compliance with Disclosures and Dispute Rights** : Ensure that Sunrise Credit Services provides all required disclosures and adheres to the right of consumers to dispute alleged debts.

4. **Prevent Future Violations** : Implement measures to prevent future violations of consumer protection laws by Sunrise Credit Services and other collection agencies.

I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance in protecting consumer rights.
Product: Checking or savings account

I booked a trip with XXXX XXXX. they cancelled the trip due to cv in XX/XX/2020. The trip was paid in full from my peoples Bank debit card. Tried to contact XXXX with no one there to respond. Their email stated they would not be able to deal with refunds and to contact my bank, which I did. The bank said they would only be able to assist in getting a refund from XXXX. Since they are no longer in business that was futile. XXXX has over {$2000.00} and Im trying to recoup the funds for the cancelled trip which was to take place XXXX XXXXthe XXXXAny assistance would be appreciated. I also filed with the attorney general and XXXX.. all were unable to help.
Product: Debt collection

XX/XX/year> - Initial notice of debt related to move out expenses from a rented apartment XX/XX/year> - Explanation of why I don't owe the debt sent XX/XX/year> - Collector sends me a copy of my lease and says the debt is verified XX/XX/year> - I call them and express that I need to know what makes them believe I owe it -long delay in contact- XX/XX/year> - I get a voicemail telling me to call the collector XX/XX/year> - Collector is called and I'm told I owe them money " because I signed a lease '' XX/XX/year> - I discuss the lease with an attorney and I'm told that I do not owe the debt XX/XX/year> - Sent a letter of demand to both the collector and the landlord, with evidence XX/XX/year> - Landlord sends back that they will not be communicating with me XX/XX/year> - Collector told me my case will be " investigated by the higher ups '' XX/XX/year> - I find the illegal debt negatively impacting my credit report
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number -Account # XXXX ( private ) Only on my ( XXXX ), ( XXXX ) consumer report. 
An auto loan account opened at ( XXXX  XXXXXXXX XXXX XXXX ) on XXXX, XXXX, XXXX under the account number XXXX ( private ) Only on my ( XXXX ) ( XXXX ) consumer report Another XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX under the account number XXXX only reporting on my XXXX consumer report. 
Lastly a collection account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX ( private ). 

Auto loan account opened at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX under the account number XXXX Only on XXXX, Equifax XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts under my name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies 3 this information that results from alleged identity theft. Also, 15 US Code 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts here never should have received written instructions from me nor did they with my consent. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file from my personal Consumer Reports immediately.
Product: Mortgage

My original loan was sold to New Rez and after the mandatory 5 year payment of mortgage insurance I called to have the MI dropped. I have asked multiple times to have a list of approved appraisal companys and have not received anything. On XX/XX/21 I received a letter stating my principal balance must be {$210000.00} before the MI is dropped. My principal balance is now {$210000.00} and yet they will need 60 days to review to see if Im eligible to drop the MI. After speaking with a manager ( XXXX XXXX ) he tells me they can do nothing and I will continue to have to pay the MI until it is review and I will not be refunded the MI over payment. It is a 60 day review process. Multiple people have stated Im not at the required percentage but NO one can provide a number. No one can give us an answer. This has been a 9 year battle!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Please remove.
Product: Consumer Loan

I went to XXXX BMW in XXXX XXXX to purchase a car. I found XXXX I wanted and I also had an older XXXX to trade in. I worked out a deal with the dealer that they would pay off my loan for my older BMW for {$12000.00}. I got my payment numbers down to a number I could afford after the trade in etc of the old car ( {$510.00} ). I went into the finance office to sign off on paperwork. He offered me of course several extra options for warranties etc, all to which i declined bc i could not afford more than {$510.00} per month. He showed me on his computer the XXXX, and if i added anything it would be {$560.00}. again, i said no to anything extra bc {$510.00} was already the high end of my budget. So he printed out paperwork and I signed, not reading the fine print, of course. So I get my bill in the mail, and it is {$560.00}. I looked at the fine print of my contract and I notice that instead of paying my old car loan off, they only paid {$10000.00}, and added the extra {$2500.00} ( my balance was XXXX ) to my new loan. Thats interesting, and dishonest. Do n't tell me you are gon na pay it off then sneak the rest of the money u did n't wan na pay into my new loan. So, i call there, speak with managers etc, and of course all they say is, well you signed the paper. Yes the paper that was supposed to say all the things we agreed on verbally XXXX minutes before you printed them out. This place is a joke. What can I do?? I ca n't pay {$560.00} a month.
Product: Student loan

XX/XX/XXXX payment showing as Employment Not Certified and form for employment verification was submitted on XX/XX/XXXX, XXXX, XX/XX/XXXX and again on XX/XX/XXXX and again shows processed but payment count isnt reflecting. I spoke with several representatives who assured me it would be corrected and escalated. Months later this payment is still not reflecting forms submitted and processed. I have sent several secure messages and I got automated responses that I will receive a response within 15 to 30 business days and I have yet to have this issue resolved after several attempts and addition to phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX # XXXX, ILXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor name : XXXX. XXXX XXXX Date of charge-off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies must ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting wrong info on me. XX/XX/2018 XXXX # Please fix and DELETE.
Product: Credit reporting or other personal consumer reports

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. '' XXXX, the financial institution and the Consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Transunion, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 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 or other personal consumer reports

I was trying to purchase a vehicle, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/year> CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason : XXXX XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX. FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX  CFPB Client name XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX misleading me to believe I was going to be helped and get a good deal lower payments and no hassle transfer of vehicle, I was not happy in the end results of my purchase wich I was supposed to have lower payments and a better deal, I ended up with a vehicle double the value of the vehicle I needed help refinancing, also lost my trade in value and down payment of my first car. {$3000.00} dollars. They pretty much bought the car off me and stated a whole new purchase that confused me and my lender and no contact was ever reached with sales representative he never returned my calls and was never a available XX/XX/2021 was the date of the new purchase that was supposed to be transferred not start all over with no down payment credit unbelievable scam