23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.
Product: Credit reporting or other personal consumer reports

Ive submitted multiple credit disputes to have my former Nelnet account marked as closed on my credit report. Nelnet responded each time by saying the information is correct. 

It is impossible for it to be correct because my credit report reflects XXXX active loan companies. Nelnet with a balance of {$140000.00} and XXXX with a balance of XXXX. This information is inaccurate because I only have XXXX active loan with XXXX. The additional {$140000.00} on my credit report gives the appearance that I am in debt with student loans for {$280000.00} which is incorrect. This error is significantly reducing my credit profile and making it difficult for me to get approved for a home mortgage.
Product: Credit reporting or other personal consumer reports

I have checked my recent credit report for LexisNexis and XXXX keeps reappearing and I no longer have them on none of my major bureaus on XXXX, XXXX and XXXX. 

LexisNexis shouldn't be on my report because I disputed this information little over a year ago.
Product: Credit reporting or other personal consumer reports

This hard inquiry is fraudulent and doesn't belong to me and need to be removed.thanks XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Alltran financial is trying to recover XXXX for XXXX. I was a part of class action lawsuit against XXXX. As part of XXXX settlement agreement their report was removed from all credit bureaus, I received a small check and it was agreed by XXXX no further attempt would be made to pursue. I have tried to contact XXXX  and alltran is aware yet continue to call and threaten me
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as a copy of my credit report please see attached proof provided. 
Please ensure that these documents are taken into account during your investigation. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 
If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 

I appreciate your prompt attention to this matter. 

PLEASE SEE ATTACHED
Product: Credit reporting or other personal consumer reports

I do not recognize the address. Please Remove.Thank you. 

XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Notice Regarding Alleged Debt - CFPB Complaint To Whom It May Concern : This letter is a formal notice in accordance with Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act ( FDCPA ). I am writing regarding an alleged debt in the amount of {$6500.00} that your company claims I owe.

You are hereby instructed to cease and desist all further communication with me regarding this alleged debt. As permitted by the FDCPA, I exercise my right to request that your organization stop all collection efforts immediately.

Failure to comply with this notice will result in my filing a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of New Jersey. In addition, I reserve the right to pursue civil and criminal claims against TrueAccord and its representatives for any violations of federal or state law.

Be advised that any further contact from your company will be documented, including but not limited to recording telephone conversations. Moreover, if your agency places any negative information regarding this alleged debt on my credit reports following the receipt of this notice, I will initiate legal action to pursue all remedies available to me under applicable law.

Please also note that I do not recognize or deal with collection agencies. If this matter requires resolution, I will only communicate directly with the original creditor.

This letter serves as my final communication regarding this matter. Any future correspondence from TrueAccord regarding this alleged debt will be treated as a violation of the FDCPA.

Sincerely, XXXX XXXX
Product: Debt collection

Hi, last year I had a XXXX performed. My insurance covered most of costs and I paid all that was owed. 

Today, I received a negative credit alert on my transition and XXXX report from a company called AR concepts in XXXX, IL ( debt collection ) on behalf of XXXX XXXX XXXX SC for {$110.00}. I called AR concepts and gave them my info. Apparently, XXXX XXXX XXXX had the wrong address listed on my account XXXX XXXX XXXX XXXX and XXXX ) and the wrong phone number. They had my mom 's address listed where we lived over XXXX years ago. I NEVER received a bill or a phone call. 

Is this legal?
Product: Checking or savings account

I opened an account with Sofi Bank to take advantage of their high yield savings offer in XX/XX/year>. Shortly after opening the account, I was advised by Sofi that I was " sharing '' credentials with my son on the account profile. THIS IS TRUE. I am an XXXX XXXX widow so my son helps me manage my financial affairs especially when it involves the internet and emails. Sofi advised us that that did not adhere to their policy so they would be closing my account and sending my money back via a hard check in the regular mail.

That is fine with me however, that was OVER 90 DAYS AGO. Sofi bank has " frozen '' my funds of over {$15000.00} for three months now and has not sent anything back to me as promised. We have called them over and over and the call center rep tells us the same thing every time : " we have to wait for a resolution ''. We also ask to speak with a supervisor on every call but no one is ever available. We also set up planned phone calls with a supervisor but they never call either. 
I am a XXXX widow living on a fixed income and this bank has " frozen '' my account and holding my money. They promised to send it back to me over three months ago!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' L J ROSS ASSOC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' L J ROSS ASSOC the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, L J ROSS ASSOC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' L J ROSS ASSOC Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

My credit limit was reduced from {$1400.00} to {$820.00} because I utilized credit on other accounts and my minimum payment was not to the company 's liking. They may have included the " payment '' of {$14.00} which was really just me redeeming my " reward points '' for a statement credit. I have never been late on this or any of my revolving accounts in over 8 years and " their interpretation of my future performance '' is unsatisfactory. 
My account was opened in XXXX of XXXX. From XXXX to XXXX of XXXX  I made small payments of at least the minimum required on my account. in XXXX of XXXX, I paid my balance of {$1300.00} in full. I maintained a XXXX balance until XXXX when I purchased XXXX  presents and set up a payment plan for XXXX  bills which auto deduct from this account. On XX/XX/XXXX of XXXX, having still made all payments on all bills on time and never being late, my current balance was {$780.00} and the company cut my credit limit to {$820.00} ( so they could leave room for their interest charge ) due to me utilizing my card and their intuition that I would not be able to pay it. 
I called and spoke with a representative because I was given zero notice from the company ( even though they would bounce one of my XXXX  payments ) and was only made aware by a credit monitoring service I utilize. She read the letter they intended to send with the reasons for cutting my credit limit. Once I stated I was going to file a CFPB complaint, she stated she could " have them take another look at it '' since I disagreed with their findings however it would take 60 days to look at it and then they would mail me their findings afterward. 
I want my original credit limit reinstated as that was what I was given when I signed up. These businesses can not cut your credit limit to your current balance and then claim we are a risk because we are at our new max balance, which will also further reduce our credit scores.
Product: Debt collection

Dear XXXX XXXX, I am writing to formally request that you immediately cease reporting any and all information regarding my account ( XXXX ) to credit reporting agencies, including but not limited to XXXX, XXXX, and XXXX. 

Account Information : Account Number : XXXX Name on Account : BOUNCE AL INC The reason for my request is as follows : Account doesnt belong to me, incorrect reporting, disputed charges, The information being reported is inaccurate and damaging to my credit. 

Pursuant to applicable laws under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure that all information reported to credit bureaus is accurate and verifiable. Should you fail to comply with this request, I reserve the right to take further legal action to protect my rights, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Please confirm in writing that you have ceased reporting this information within XXXX days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you need further information or documentation to process this request, feel free to contact me directly. 

Best regards
Product: Vehicle loan or lease

I remitted a payment of {$12000.00} to BMW BANK OF NORTH AMERICA, with correspondence addressed to XXXX XXXX XXXX, XXXX, AZ XXXX, on XX/XX/2023. This payment was dispatched via certified mail. Simultaneously, I forwarded a duplicate of this payment communication to XXXX XXXX XXXX, the Chief Financial Officer ( CFO ) of BMW Financial Services NA , LLC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 

Subsequently, I dispatched a series of three formal notifications, each requiring compliance with fiduciary obligations pertaining to the allocation of principal funds to account # XXXX. These notifications included explicit instructions outlining the desired actions for the account. Furthermore, it was explicitly communicated that I, representing the principal, XXXX XXXX, accept all titles, rights, interests, and equities associated with said account. 

All notifications were transmitted through certified or express mail services and were successfully delivered. The second notice was dispatched on XX/XX/2023, while the third and final notice, serving as a default notice, was sent on XX/XX/XXXX, and officially received on XX/XX/XXXX. 

Regrettably, the CFO failed to fulfill the aforementioned fiduciary duties as directed. I, as the authorized agent for the principal, have consistently acted in good faith, yet no corrective actions have been taken. Instead, I have been subjected to persistent harassment demanding further payments. Regrettably, this situation has led to the car being classified under repo status, with claims of non-acceptance of the initial payment. Consequently, this has adversely impacted my credit score.

Additionally, I have provided references to relevant sections of the Federal Reserve Act, specifically Section 16 ( 1 ), Section 16 ( 2 ), Section 29 ( b ), and Section 29 ( c ), in an effort to ensure full compliance with applicable regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately from my report : XXXXXXXX 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 XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts. 
I am protected under the Fair Credit Reporting Act ( FCRA ), and I wish to assert my rights as a consumer. The following accounts have been reported in violation of my privacy rights : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681, Section 602 A, I have the right to privacy, and under Section 604 B, a consumer reporting agency can not furnish an account without my written instructions. Therefore, I request that you delete the above-listed account from my credit report immediately. 
Please take note that failure to comply with this request may result in a fine of {$1000.00} per violation, as stipulated by the FCRA. 
I appreciate your prompt attention to this matter and look forward to your confirmation that these unauthorized accounts have been removed from my credit report.
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a car for {$16000.00} as advertised. I put down {$7400.00}. After finance I see that I owe {$38000.00}. On the bill of sale from dealer it says the car was sold to me for {$25000.00}. This hold thing is a scam.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00}
Product: Mortgage

PennyMac Mortgage offers a bi-weekly payment plan program to borrowers advertised as free. Intent of bi-weekly payment plans is to accelerate loan re-payment and substantial savings in interest for borrowers by effectively applying XXXX additional monthly payment per year. However, PennyMac ( and other lenders ) are taking advantage of borrowers and preying on their general lack of understanding of mortgages and principle balance interest rate accruals. PennyMacs ' practices take advantage of borrowers by not applying principle portions of the bi-weekly payments when they are received and holds them for two to three weeks while borrower accounts still accrue interest charges on the wrong principle balance. According to the fine print in the bi-weekly autopay agreement, they intentionally do this to profit the loan servicer as stated in Section XXXX, " I understand that Servicer may derive a benefit as a result of holding partial payments in its accounts during the period of time while a full payment has not yet been made. Any direct or indirect benefit that may be associated with any funds held in a partial account shall accrue to Servicer. I waive any right or any other related benefits that Servicer may receive. " Since my complaints, PennyMac also continues to not apply any additional payments I send in to the principle balance, when it is received - see attached. My additional payment of XXXX dollars was received on XXXX XXXX 2015. As of today, XXXX XXXX, it still has not been applied to the principle balance. I expect PennyMac to properly and promptly apply additional payments to principle when they are received. They actually pretend to not know how I want that additional payment applied! 
Lastly, and since my previous complaints, PennyMac has recently started blocking third party personal finance software ( like XXXX and XXXX ) from accessing my account and downloading balance and payment and payment history information. If it was n't for this software I would have never realized that PennyMac was mismanaging my principle payments and I would not have discovered strange 'inspection ' charges to my account without my knowledge or permission. I am a XXXX veteran, this is a VA mortgage, and PennyMac should be ashamed and embarrassed for their predatory and deceitful behavior.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date : XX/XX/2021 2021