23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to remove the disputed items completely from my Credit Report despite all the letters and complaints I have been sendong them. I have read that the Credit Bueaaus are required to remove the disputed items completely from a consumer 's Credit report under the Fair Creit Reporting Act section 605b, however, upon reviewing my updated credit report, I came tio a conclusion that the Credit Bureaus became negligent of their duty. I am now submitting this complaint to inform the Credit Bureaus that I have been offered help from my legal counsel and that they are willing to help my file a lawsuit against the Credit Bureaus if they stilll chose to not comply with my requests. If the Credit Bureaus do not want to be brought up to court, I need them to remove the following items completely from my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/2015 XXXX
Product: Checking or savings account

Wells Fargo debacle where they carelessly mistreated accounts. I feel very unsafe after what they did and it has caused extreme emotional stress and worry. I expect a decent compensation from what they have put me through. I do n't if money was taken from my account but to know false accounts were put in my name is very disturbing. I am requesting {$10000.00} or more for the emotional stress and worry I have gone through. Thank you and please take this matter seriously. This should Never happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error. You also do not have any permissible pupose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint regarding the actions of RECEIVABLE MANAGEMENT in relation to an alleged debt they claim I owe. Despite numerous requests, RECEIVABLE MANAGEMENT has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection entry on my consumer report. Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is evident that RECEIVABLE MANAGEMENT are violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). I dispute owing all debts to RECEIVABLE MANAGEMENT and demand that they cease all communication with me via email, text, or phone calls, as I am exercising my rights to revoke these forms of communication under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request that RECEIVABLE MANAGEMENT provide : 1. Debt validation, including detailed information regarding the alleged debt, the original creditor, the original account number, and any documentation supporting their claim. 2. The purchase agreement between RECEIVABLE MANAGEMENT and XXXX  XXXX. to establish the validity of their claim. Provide a copy of my signature in personal agreement that allows RECEIVABLE MANAGEMENT to purchase this account and begin to report the debt to my personal consumer report. As well, I am requesting this contract between XXXX XXXX.and RECEIVABLE MANAGEMENT, because it will state RECEIVABLE MANAGEMENT purchased this debt with the knowledge of this account not being XXXX XXXX accurate as well as not following the XXXX bullet points of compliance that are in place by the XXXX, which threatens the integrity of the bureaus. As well please provide documentation of every individual involved from both parties. Include, names, emails, address, dates, and times of transactions and communication. 3. Furnish proof of licensing and bonding to operate as a debt collector. 4. A copy of certified mail receipt. I am unaware of this debt ; I did not properly have an opportunity to dispute this information. I did not receive proper communication. If in fact, if RECEIVABLE MANAGEMENT believes they have provided proper notification. I am requesting you provide the receipt of certified mail with my name on it as well as my signature stating that I have properly received this information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a medical account that is under {$500.00} and as you can see, they never reported the balance to the credit bureau. As of XX/XX/2023, any medical accounts under XXXX  is invalid and isnt supposed to show up on my credit report. This account needs to be removed immediately because its fraudulent charges as well by the Dental office that theyre collecting money for. The initial balance is {$170.00} and they tried charging me {$50.00} for a no call no show fee after I told the dental office, that I will not be coming back because of the nonsense that they pulled.
Product: Mortgage

I have Private Mortgage Insurance on my mortgage loan. Each month around the XXXX or XXXX of the month, Plaza Home Mortgage Inc. takes {$240.00} from my escrow account to apply towards the PMI. This month, they took {$240.00} on XX/XX/XXXX. On XX/XX/XXXX my mortgage was paid in full 100 %. However, they took a 2nd PMI payment out of my escrow again on XX/XX/XXXX in the same amount of {$240.00} even though they had already taken it out on XX/XX/XXXX and even though the loan was paid in full. I attempted to communicate with them and asked them for an explanation and have received no response back. 

This does not seem like a fair practice and quite frankly, appears to me to be fraudulent activity to take a 2nd payment out since the loan was paid in full and I do not believe they should be able to take another PMI payment out unless there was still a balance the next time a payment was due, which there would not have been. Something does not seem right about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is reporting incorrectly to XXXX and Experian a collection in the amount of {$2300.00} on the XXXX XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) A few years ago I decided to switch my service to a different cell phone company. I returned the phones and other equipment directly at a XXXX XXXXXXXX store and paid my final bill and their mandatory re-stocking fee. Once these payments were made the company then released my account so I could then move forward with the transfer of my phones to the new company. I was assured by the XXXX XXXXXXXX representative that the account was in good standing. Unfortunately, XXXX   XXXX did not honor their word. I had no idea that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the company and the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

My card was stolen from my apartment building lobby around XX/XX/XXXX with small purchases being made until XX/XX/XXXX. This went unnoticed as they were small purchases around my neighbourhood until XX/XX/XXXX when a large grocery order was made for {$250.00} when I realized that I lost my card and funds have been stolen. I submitted a claim with my bank, and a filed a police report with my local police district. Bank of America has denied my claim twice despite sending them a copy of the police report and an email from my landlord stating that they had found my photo identification, which was accompanied by bank card, in my apartment building. 

Bank of America said that because the purchases were made in my geographical area, and the purchases were frequent and small, they have denied my claim. I submitted an appeal stating that the card was stolen from my apartment building which explains why it was in the area and it was denied for a second time. The total amount stolen XXXX. 

Police Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XX/XX/18, I noticed late payments reported on my loan with XXXX XXXX. The lates reported correspond to the passing of Hurricane Maria wich affected the island of Puerto Rico during the months these lates were reported. Access to banking services where impossilbe for everyone since the island suffered from a major hurricane disaster and there was no way to obtain access to banking accounts and all our systems collapsed. These lates reporting are affecting me adversely since I am in the process of purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX take off the missed payments and negative utilization for any charge off accounts and XXXXXXXX XXXX XXXX missed payments. I never missed any payments and Im uploading the proof. Regardless your violation of federal law and deceptive and fraudulent behavior against my credit report and me is done! Immediately fix the missed payments any non account holding inquiries. 
XXXX, as of today XX/XX/ you have 3 days max to take these no. Account holding inquiries off of my credit account credit report and on the 3 charge off accounts under usc 1681g 1666 my Credit report doesnt include any transactions or other behavior related to my relationship with any of my credit card accounts or private relationships with any creditors! Remove all missed payments and utilization immediately! 
Equifax, you have 3 days maximum to fix my personal information! 
The only name, address, phone number and Business is this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX California ( XXXX ) XXXX. 
Any other false alias or fictitious name or address you have has been used fraudulent by you! I will upload proof. 
And stop immediately reporting any misinformation according to missed payments or credit utilization on any charges off accounts! 
I have opted out of any solicitation of offers or any kind of 3rd party theft of my private and public information! Im filing a lawsuit against all who have any inquiries soft or hard! Cease immediately. Thank you for your cooperation in this matter
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Checking or savings account

On Saturday XXXX XXXX XXXX. I deposited a pay check into my checking account in the amount of {$1400.00} through the atm as the bank was not yet open. Knowing I 've done this and it takes a few days for this transaction to happen and not needing to use my card or money. I eventually started using my debit card for every day purchases. i.e. gas, and water and food for work so I can make more money! Well I went to use my debit card today on Saturday XXXX XXXX at my local branch, and my statement was telling me I was negative {$440.00} dollars in my account. That 's negative XXXX dollars? .The bank is not open at this time, so I call a XXXX number for this bank, by the way is Key Bank and I live in XXXX XXXX Or. And they are telling me this paycheck is still on hold? With no reason for why! So I go down to the bank again as it 's XXXX XXXX and the branch is open. I speak with a teller and ask to see a manager but eventually tell the teller my reasons for coming in. She says that I would have to goto the branch I opened my account up at? I eventually do get to talk to a XXXX? A XXXX XXXX XXXX. he opens his computer and is questioning why the check is still being held. But found out this held paycheck wo n't be released till Tuesday XXXX XXXX? That 's 1 week and 3 days from the time of deposit and states that I will have to wait till then, Tuesday XXXX XXXX XXXX to get any resolution to this matter. In the mean time I have my life to live and my payments to make and being negative XXXX dollars in my account these fees are just climbing because they are accruing as this check is being held. I feel I 'm getting the run around and my local branch is still telling me to goto the original branch where I opened my account? That 's kinda impossible!
Product: Mortgage

Consumer Financial Protection Bureau, XXXX XXXX. 
XXXX Office Case XXXX, XXXX x XXXX XX/XX/XXXX, XXXX Wells Fargo XXXX, XXXX XXXX Wells Fargo XXXX XXXX XX/XX/XXXX XXXX x XXXX case number ( XXXX ) XXXX Wells Fargo There are several additional personal cases now. This one is the XXXX harassment and neglect to credit my insurance since XXXX. I need Wells to correct this, pay interest and penalties sufficient to discourage Wells from continuing practices that continuously damaged me for the past several years. Despite 2 open cases and several attempts to correct your mistakes and inactions {$1000.00}, along with other interest and payments taken by Wells Fargo to destroy my credit and ability to maintain a correct credit score. I will be forced to follow up this demand with court action, and to reopen prior complaints made in XXXX, XXXX, XXXX, XXXX, and now XXXX. It appears these actions by Wells Fargo are deliberate, vindictive, or at a level of gross negligence to such a point that Wells Fargo should not be allowed to be licensed to continue business in the state of CA or elsewhere in the USA. Wells Fargo has lost in court and been compelled to pay penalties for related actions described in my most current, and several prior complaints. 

Wells Fargo has seized funds from my accounts, opened unauthorized loan applications, charged fees for services not provided and blocked competing companies from offering similar products in a timely fashion Wells Fargo has failed to grant administrative relief as directed by consumerfinance.gov and others. I hereby request all relief available through this agency and others. This is an appeal to consumerfinance.gov for assistance and immediate action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX ( XXXX ) XXXX consumerfinance.gov Your complaint has been sent to the company. 
We have received your complaint and sent it to the company for a response. 

We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 

You should receive a status update within the next 15 days. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Applying for a mortgage or refinancing an existing mortgage. 
Return of all penalties and overpayment XX/XX/XXXX to this date XX/XX/XXXX Return of insurance premium and interest, administrative and legal cost to date Audit of my Wells accounts for additional actions by Wells to this date XX/XX/XXXX. 


Insurance has beenin place since XXXX, Wells Notified multiple times beginning XXXX to this date, XX/XX/XXXX, monthly. In addition, failure to properly notify or account for Wells Fargo initiated, unauthorized payments, credits, and penalties including alleged failure to maintain required insurance, Wells Fargo simply took the funds improperly with mailic, repeatedly : One attachment Scanned by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received my annual credit report. On this report I was shocked to see a comapny I did not recognize called XXXX XXXX XXXX XXXX. I have never got any calls, statements, or invoices from them. I immediately sent a certified letter on XX/XX/2018 they received on XX/XX/XXXX that stated the following To Whom It May Concern : " This letter is being sent to you in response to your recent fraudulent reporting of medical accounts on my XXXX, XXXX & XXXX reports. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. Or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on  your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX I received a letter back over 35 days later XX/XX/2018. Stating the following response to your request for verification of this debt. XXXX has confirmed the outstanding balance of {$700.00}. They didnt send me anything I requested. no contract, info they took to confirm the persons identity, what product or service they provided ... NOTHING!