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

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

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

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}. 

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

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

Sincerely, XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

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 The following personal information is incorrect
Product: Credit card

I called the XXXX XXXX XXXX XXXX and asked why I was charged interest when the account was on autopay. The operator told me that that was because they made an error. This was the third time they made such an error. What they are doing, apparently, is going into my bank account and removing only a portion of the cash I set aside to pay the credit card bill in order to incur interest charges. I called the company to complain. They noted the complaint and gave me this reference number : XXXX. And they credited my account for the charges. This is the third time they commited this fraud.
Product: Checking or savings account

I opened an account original prior to XXXX at Becu my account was not getting used and in XXXX I entered the banking branch located in XXXX XXXX XXXX to set my account back up and get a replacement debit card I had Been told the account had gone dormant at that time I was provided a slight different updated checking and savings account numbers For My only account a joint checking and savings. Since then I have opened XXXX additional checking account do to continued theft from the other checking account that I was never compensated for correctly by the bank. Recently it was brought to my attention that though I have visited different branch locations on multiple occasions and replaced my debit it card with out success I was not informed that I had additional accounts not connected with my online banking that have been unknown to me since there original account opening accounts that are also connected to my CDs from my grandparents that I was previously miss informed about and that I may be not receiving my trust updates from my trustee as required by law and possible I may have been defrauded using the missing accounts which are the joint accounts to the accounts I have been using myself. I feel the bank should have disclosed this information to me and by with holding it has possible aided in the defradment of myself and also my fiance whom deposits into the accounts as well we have suffered loses amounting to over XXXX in pay from My previous employer unemployment and also this has lead to miss understanding and ruined friendships attempting to determine what had been happening.
Product: Mortgage

New York Community Bank ( NYCB ) " cancelled '' our refinance because they would not consider my husband 's source of income, XXXX XXXX XXXX, as a bona fide source of income. 

This is very confusing and difficult for me to understand ; as well as very confusing to my husband. How can his VA benefits not be a bona fide source of income and not be considered? This strikes me as some form of discrimination since my husband is a veteran and his only sources of income are that which the VA provides. 

We are reaching out to the Consumer Financial Protection Bureau ( CFPB ) because we are having a difficult time, wrapping our brain around what NYCB is doing, which is non-sensicall. We explained the following to the CFPB : Our current loan ( mentioned above ) which we are seeking to refinance from NYCB recently adjusted to a Fixed rate of 4.0 %, to include P & I, for a monthly mortgage payment of {$2200.00} approximately. 

We were seeking to refinance to a 20 year loan ( we have only 20 years left on our current loan and did not want to extend the term ) at 3.25 % for a monthly mortgage payment of {$2000.00}. 

In the close to eleven ( 11 ) years that we have carried XXXX ( XXXX ) loans with you, we have never been late on the loan, we have always paid extra to principal, we have maintained exemplary XXXX scores ; in other words, we have had a PERFECT relationship with NYCB and have met our financial obligations for over a decade. 

Now that we need to refinance because the cost of the mortgage as well as the interest rate has increased considerably, you, NYCB indicated that, 1 ) the appraisal came in low, which we agree it did since our home should have appraised close to $ XXXX to $ XXXX, rather than the $ XXXX. However, even if the appraisal is flawed, even at the $ XXXX, we are seeking only 80 % Loan to Value, which NYCB should be able to accommodate, and 2 ) NYCB is " throwing out '' close to XXXX/month in VA Benefits which serve to pay our mortgage, car payment, meals, utilities, etcetera. Why in the world this is not " income '' which you can consider is beyond us. 

Keep in mind that we also paid off considerable amount of debt as requested by NYCB in order to consider our refinance. Even after we paid off the debt which NYCB asked us to pay off, we still received an unsatisfactory decision. 

In a nutshell, we are going to convey to the CFPB that : NYCB concluded that we can manage paying $ XXXX at 4.0 % interest rate, but somehow, we can not manage paying $ XXXX at 3.25 %. In an alternate world, this would make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Home Mortgage is reporting a late payment on my credit reports. I have never paid late. When I ask Wells Fargo to let me know what month I have paid them late, so I can investigate this, they have no record. 

I called in on XX/XX/XXXX and spoke with a representative who said, I had to provide this information to them. I told the Gentleman I had no history of paying my account late, please let me know what month you are stating I paid late. 

The Gentleman could not tell me the dates from what they were reporting. I don't know how to correct this issue when I have tried, however Wells Fargo will not remove the payment history on Wells Fargo Home Mortgage account # XXXX that is reporting over 120 days past due. 

I have attached a copy of a notice from Wells Fargo Home Mortgage and a copy of my current credit report, which shows how this account is reporting the Over 120 days past due, but does not list the dates of this late.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Under 15 U.S. Code 1681i, 1637 ( b ), and 1681s-2 Dear CFPB Members, I am writing regarding my account with Ally Financial ( account number : XXXX ) to request the removal of three late payments reported on my credit history, specifically in XXXX and XXXX of XXXX and XXXX of XXXX. 

Under 15 U.S. Code 1681i, I have the right to dispute inaccurate information on my credit report, and under 15 U.S. Code 1637 ( b ), I am protected in my rights as a consumer to receive accurate information about my accounts. Additionally, according to 15 U.S. Code 1681s-2, creditors are required to report accurate information to credit reporting agencies. In this context, I request that my circumstances be reviewed and that consideration be given to the removal of these late payments, as they have negatively impacted my credit score.

I am willing to provide any additional documentation that may be necessary to support my request and facilitate the review process. I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX, my wife and I were experiencing financial difficulties and found ourselves behind on our mortgage by nearly {$4500.00} ( 5 payments of nearly {$900.00} ). We contacted our mortgage company ( Wells Fargo Home Mortgage ), and were assigned one of their " home preservation specialists. '' Incidentally, we were in Year 10 of a 30-year mortgage, with a balance of {$82000.00} with a 6.25 % Fixed Rate mortgage.

During the conversations with this " home preservation specialist, '' he informed us he could introduce us to a loan modification of our mortgage to prevent foreclosure, but we had 3 days to sign and return the documents. He sent us a package of documents we did sign, but the loan modification included the same mortgage rate of 6.25 %, the payment lowered to {$750.00}, but the loan maturity date changed to XXXX ( from the original loan maturity date of XXXX ). This modification added an additional 240 payments of $ XXXX for a total of an additional {$180000.00} over the new life of the loan. We were given 3 days to sign and return these forms back to Wells Fargo. 
In Q1 or Q2 XXXX, Wells Fargo sold our mortgage to another company ( XXXX XXXX ). In early XXXX, XXXX XXXX sold the mortgage to another company ( XXXX XXXX XXXX ).
Product: Checking or savings account

XXXX through XXXX XXXXMy balances were closed and taken based on Wells Fargo not taking out money when they should ..taking out too much money or double payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Bank of America reported my account to XXXX without giving me a chance to pay the fee {$49.00}. I called several times to resolve this issue and they kept transferring me to different departments. They listed my account as suspected fraud activity. I deposited checks to the account but the checks were returned because I didnt have enough money in the other account.
Product: Money transfer, virtual currency, or money service

I have {$2800.00} deposited in the Abra app. I'm getting the message " Application is not accessible due to Compliance reasons ''. The company doesn't seem to be contactable. I had been using for many years prior without an issue and had previously withdrawn money from the app.
Product: Debt collection

This matter is from my XXXX XXXX car insurance bill. This company has somehow found a way into my bank processing system at Bank XXXX XXXX XXXX, alerting all my daily transactions to XXXX XXXX I had to request USPS mail billing ( Then the company increases your premium by {$100.00} ). I'm not paying this bill of {$110.00}. XXXX XXXX has been informed and they refuse to accept any responsibility for the matter. 

** And this matter needs to be forwarded to the OCC and other banking regulators in Washington.
Product: Debt collection

I keep getting Pre-approved Junk mail form Capital-one< I have email and sent letter asking them to STOP I get their junk mail very other day and so does my wife!! 
They were ordered to stop all calls and letters to me or my wife over a Year ago>> The problem was that they illegally transferred money from the account I had with then between XXXX and XXXX to a fake XXXX XXXX  account!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at XXXX XXXX  I called Equifax and spoke to Agent XXXX, XXXX XXXX who informed me that my dispute was not updated in their system and could have been shredded but he could not provide me with the details of Equifax 's process when receiving dispute letters. In addition, he confirmed the address I sent the documents were correct as well as the documents provided to identify my identity, cover letter and details of my dispute. I requested to speak to a supervisor and Agent XXXX kept me on a two hour silent hold without any updates on if the supervisor would get on the line. He then disconnected the telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been continuously disputing this account multiple times. I have been reaching out to Credit Bureaus and XXXX XXXX XXXX hoping that they would resolve this issue. The account I am disputing is XXXX XXXX XXXX account number XXXX. The account continues to report as late in XX/XX/2020. Please know that this late payment happened during the National State of Emergency which I made the bank aware of. First, I am disputing this account because I though t I was able to fix this with XXXX XXXX XXXX when I called them regarding my payment. This should not be reported as late in my credit report. I know that like any other bank, XXXX XXXX XXXX has a protocol based on the Cares Act that you would let the payment pass for that month due to Pandemic. I need this late payment removed from my credit report immediately. 

Second, this account reflects 0 payment made each month since XXXX. This is an open current account so I dont know why the payments are not reported.
Product: Credit card

Bank of America changed my credit card number. XXXX issued a credit under my old number but never posted to my account. BOA tells me that they can see the credit under the old account number but because of recent changes to their software platform it has not posted under my new account. This credit was issued over a XXXX ago. I have talked to their Customize Service and Electronic Transactions departments several times without any success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Experian several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX
Product: Debt collection

15 USC 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer I DO NO VALIDATE THIS DEBT I HAVE NO CONTRACT WITH THIS COMPANY
Product: Debt collection

On XXXX XXXX, XXXX cashed a check in settlement of money owned. We received a notice from a creditor, Financial Data Systems, XXXX, that XXXX passed our account to them for collection due to non-payment. Prior to this notice, we received no second or third notice of non-payment from XXXX, and we had no reason to believe after the check was cashed that there was any potential issue with the account or XXXX accounting. We contacted XXXX XXXX on XXXX XXXX, and they stated they would open an investigation and have a superior call us. We contacted Financial Data Systems, XXXX to inform them of the error, and Financial Data Systems, XXXX stated they would await notification from XXXX XXXX XXXX On follow up on XXXX XXXX, no investigation had been started by XXXX XXXX XXXX Re-requested both an investigation and a call back from the supervisor. We continue to be at risk of Financial Data Systems, XXXX filing derogatory payment data to credit reporting agencies due to this error despite being pro-active and aggressive in seeking a resolution. All consumers working with XXXX for medical billing should copy / scan all payments before mailing and keep a copy of the cancelled check ( front and back ) on record. At the time of this complaint, the issue remains unresolved.
Product: Credit reporting or other personal consumer reports

The following accounts are a result of identity theft. Attached is an Identity theft report from federal trade commission.
Product: Debt collection

I cosigned for my with my daughter for XXXX at XXXX Apartment. I was unaware that there was a outstanding debt for from the apartment after my daughter moved out. I immediately reached out to pay the debt and the apartment complex would not take my money since it was already sent to Pro Collect Inc. I reached out to Pro Collect Inc to pay the debt and the representative on the phone assured me 100 % this collection would not affect my credit since the collection would be fully removed from my credit file within 30-45 days after my payment cleared. That is not the case. I have reached out numerous times by mail to Pro Collect Inc as well as the credit bureau 's with no resolution. This is the last place I will reach out to before I seek legal council.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX, has violated my rights. 
I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated Title 15 U.S.Code 1681e and is liable under 15 U.S Code 1681n for not following reasonable procedures to assure maximum possible accuracy of the information concerning my credit report XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - ( No Date of First Delinquency & Inaccurate ) XXXX. XXXX XXXX- ( No Date of XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) - ( No Date of First Delinquency & Inaccurate )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to contest the presence of fraudulent items on my credit report. After recently receiving a copy of my credit report, I was dismayed to discover that several accounts and information were listed that I did not open nor have any knowledge of. The accounts in question include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance {$2500.00} XXXX  XXXX Balance {$7400.00} XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XXXX XXXX # XXXX XXXX  Balance {$390.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$670.00} XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX. I confirm that I did not authorize the opening of these items, nor did I grant permission for anyone else to do so on my behalf. I strongly suspect that these items are the result of identity theft, and I am taking appropriate measures to report this to the relevant authorities. Kindly provide me with a written response to this dispute, including the outcome of your investigation. I also request that you send me an updated credit report after the elimination of the fraudulent items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy 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 to cause to believe that the information is inaccurate.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.