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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX ( XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  XXXX  ( XXXX XXXX ) Account # XXXX, XXXX XXXX ( XXXX  ) Account # 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 an account without my written instructions.
Product: Debt collection

XXXX I took out some pay day loans when I was financially stressed. I believe that everything was paid during that time as they took funds out of my account. Now, my bills are paid, I have great credit and It is XXXX - this company keeps calling me, calling my distant family, threatening to sue me, attach my wages, attach my social security and telling me I have a bounced check. They leave messages on my voice mail with my social security number on it. They will not confirm who the creditor is or contact me in writing. I asked them to send me a demand letter in writing and I would research it but they just keep calling me threatening to sue me saying I will lose ALL OF MY RIGHTS if I go to court. The " process server '' calls me and says his name is XXXX XXXX but does not leave a phone number. The return number is a courthouse number and there is no XXXX XXXX listed as a court process server for XXXX County. These people are trying to collect on a debt that I believe was paid, but at best is past the statute of limitations, refuses to send a demand letter, and is threatening actions that they can not do - ALL OF WHICH IS AGAINST XXXX XXXX AND THE FAIR DEBT COLLECTION ACT. Please stop this company from continuing to do this. 
XXXX XXXX XXXX XXXX, XXXX case # XXXX XXXX XXXX ( alleged process server ) XXXXXXXX XXXX XXXX  and XXXX
Product: Mortgage

Homeowner Assistance - Unfair Mortgage Practices Im reaching out for some guidance on where I can get assistance with Unfair Mortgage Practices and my search led me to the CFPB I have a second mortgage from XXXX  of XXXX ( 11.5 % ) that was needed at the time but ultimately forgotten about while it was on autopay ( horrible decision ) until I lost my job in XX/XX/XXXX. 
- The loan was for {$60000.00} which we paid $ XXXX/month diligently for 15 years. The balance is still {$51000.00} ... 84 % of the payment went to interest only. We have paid over {$100000.00} on this {$60000.00} loan already. - The maturity date is scheduled for this XXXX at {$51000.00}. 

I wrote Mr. XXXX XXXX, President and Chief Executive Officer of XXXX XXXX  XXXX XXXX XXXX, Select Portfolio Servicing, and the XXXX XXXX XXXX asking or better yet pleading for them to please reconsider my Short Pay Offer that was submitted to Select Portfolio Servicing. 

Asking them to Please consider the consistency in our payment history and commitment for over 14.5 years of managing and paying this completely unfair, deceitful, and borderline unethical/predatory loan arrangement. 

I was given forbearance in XXXX, XXXX, and XXXX then only offered an opportunity for a modification on the matured balance for $ XXXX/month for another 30 years at 6.34 %. That would still leave a maturity balance of {$31000.00} due on XXXX/XXXX/XXXX. I couldnt begin to wrap my arms around the pain of reading that offer. 

Short summary : A {$60000.00} loan at 11.5 % that has been paid for 15 years at {$590.00} a month with {$490.00} ( 84 % ) going towards interest and only {$98.00} going towards the principal. 
Totaling over $ XXXX+ already paid on a {$60000.00} loan.

o With a Total Balance including the Modification is now {$52000.00} After a very difficult two years, I outlined the financial and mental distress that my family and I continue to face during the pandemic. This year has been even more challenging with the inability to gain employment and my wife continuing her XXXX XXXX  with mounting Hospital Bills
Product: Credit card

With respect to case # XXXX Amex did not have any attachments to their answer. Therefore, this complaint is still open until I receive the Amex attachments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion XXXX Department XXXX XXXX am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting or other personal consumer reports

I have had hard inquires on my credit report that I did not do and they refused to remove it and credit score drops XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my mortgage loan for an investment property when I sold the asset. XXXX has recorded the payoff but XXXX and XXXX have not.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear TOWER LOAN, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws pertaining to identity theft and consumer protection. 

It has unequivocally come to my attention that TOWER LOAN has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. Missouris Identity Theft Law ( RSMo 570.223 ) criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the Missouri Merchandising Practices Act ( RSMo 407 ), which addresses unfair and deceptive business practices.

I assert with unwavering certainty that I have not provided consent for TOWER LOAN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws.

I demand that TOWER LOAN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouris Identity Theft Law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouris statutes on identity theft and consumer fraud. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that TOWER LOAN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Checking or savings account

Today XX/XX/2020 I deposited a two party check with my name and XXXX XXXX XXXX and Wells Fargo NA from XXXX XXXX XXXX for an insurance claim settlement. The check was for {$3700.00}. 
I was told by XXXX XXXX NMLSR ID : XXXX who is the branch Manager that I would have to wait until tomorrow XX/XX/XXXX to be able access the remainder of the funds. She did not know why and had to contact someone outside of the branch to inquire what the rule or law was. She did not know what the Wells Fargo policy was and why {$3300.00} was being withheld. I believe this to be in violation of Regulation CC ( 12 CFR part 229 ) implements the EFA Act and the Check Clearing for the 21st Century Act ( Check 21 Act ). [ 1 ] Subpart B of Regulation CC implements the requirements set forth in the EFA Act regarding the availability schedules within which banks [ 2 ] must make funds available for withdrawal, exceptions to those schedules, disclosure of funds availability policies, and payment of interest. The EFA Act and subpart B of Regulation CC contain specified dollar amounts, including : ( 1 ) The minimum amount of deposited funds that banks must make available for withdrawal by opening of business on the next day for certain check deposits ( minimum amount ) ; [ 3 ] ( 2 ) the amount a bank must make available when using the EFA Act 's permissive adjustment to the funds-availability rules for withdrawals by cash or other means ( cash  withdrawal amount ) ;
Product: Credit reporting or other personal consumer reports

I cant get approved for any loans, apartments, or anything else because Experian is reporting inaccurate and incomplete information.For XXXX XXXX XXXX XXXX account they are reporting it was opened in XX/XX/XXXX but have no data available for payment history until XX/XX/XXXX XXXX can not determine anything when they dont even have certain data available.They are saying I received a loan but have no data for how long the loan term was allegedly for or how much the payment for the alleged loan was.The balance is also incorrect since XXXX XXXX XXXX never loaned me anything.For another XXXX XXXX XXXX account they are reporting that i was 30 days late for 3 months in a row XX/XX/XXXX to XX/XX/XXXX. I cant be 30 days late in XXXX if I was already allegedly 30 days late by XXXX they are reporting I was 60 days late in XX/XX/XXXX. I cant be 60 days late in XX/XX/XXXX if I was already allegedly 30 days late 90 days before in XXXX XXXX they have no payment history available since XX/XX/XXXX but have the account status as past due as of XX/XX/XXXX. They cant determine anything when they dont even have all the data available.For a XXXX XXXX XXXX account they are reporting an inaccurate balance. they cant say what the balance is when they have no payment data available since XXXX. The account status and balance hasnt been updated in 2 years since XXXX. This account is incomplete and has no updated history. For a XXXX credit account they are reporting inaccurate and incomplete balances. It says amount written off is {$25000.00}, amount past due is {$27000.00}, and the original balance is XXXX. Those are XXXX different amounts.They are saying I received an auto loan but have no data available for the monthly payments, they cant even tell me how much my month payment was for this alleged loan .They are also saying I received an auto loan which is wrong .They are reporting an XXXX XXXXXXXX collections account that is not mines. I have no contract with my name and XXXX XXXX. I have never received anything from XXXXXXXX XXXX and I dont owe them anything. I have no documentation bearing my signature between me and XXXX XXXX. I never gave XXXX XXXX my consent to even furnish my private nonpublic financial information.obtaining my information under false pretenses is aggravated identity theft. They are reporting a XXXX XXXX XXXX collections account that is not mines. I have no contract with my name and XXXX XXXX XXXX. I have never received anything from XXXX XXXX XXXX and I dont owe them anything. I have no documentation bearing my signature between me and XXXX XXXX XXXX. I never gave XXXX XXXX XXXX my consent to even furnish my private nonpublic financial information.obtaining my information under false pretenses is aggravated identity theft. You will remove these accounts or I will sue you for violating the FCRA .This is harassment and abuse, EXTORTION, DEFAMATION of character and a breach of privacy.
Product: Checking or savings account

TD Bank is blocking me from enabling external application I 'm trying to connect ( my XXXX smartphone applicatio )
Product: Credit card or prepaid card

I wanted to switch to a different card ( to Visa Cash Wise from Visa Signature ) offered by Wells Fargo in XX/XX/2017. Wells Fargo was not willing to switch the product, but rather had me open a second card Now I have the problem, that the new card has a rather low credit limit of {$3800.00}, whereas the other one has a credit limit of {$5000.00}. I would rather have the credit limit on the older card reduced ( e.g. {$1000.00} ) and transfered that credit limit to the Visa Cash Wise. 

I have called Wells Fargo, but they are not willing to accomodate that request. I don't really understand why, as there would be no change to my overall credit line
Product: Debt collection

repeated calls with no message just today XX/XX/2016 XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notice from a debt collector XXXX Online Information Services ) about a debt that I do not owe. The debt is to XXXX XXXX for {$1000.00}. The date of service is XX/XX/2022 
I called to dispute the debt, and the debt collection representative asked if I ever lived in XXXX, TX or have any friends or family there. I responded " no ''. The representative instructed me to file a complaint to FTC.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion or removal of information from my credit file that is the result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove these items within XXXX business days. I have previously provided the necessary documentation, and I am including it again with this letter. The information you provided regarding these items is unfamiliar to me, has already been removed by other bureaus, and I question its accuracy. 
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 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 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  XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting 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 XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX. XXXX, Account Name : XXXXXXXX XXXX XXXX. Has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the rights 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, other than records of convictions of crimes which antedates the report by more than seven yrs.

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: 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. 
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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I own a XXXX XXXX  in XXXX XXXX, NC called XXXX XXXX. The collection firm Rauch-Milliken International Inc. , located at XXXX XXXX XXXX XXXX XXXX, LA XXXX and with a phone number of XXXX, contacted me repeatedly and was abusive each time. The caller was Mr. XXXX. He was sarcastic, demeaning and made untrue claims. 

I told him that the debt with XXXX XXXX was in dispute, that the company making the claim had withdrawn thousands of dollars from my business checking account which were not owed to them and we had made repeated efforts over the phone and in email to resolve discrepancies and double billing. When they were recruiting me as a client, they made numerous misrepresentations on billing and pricing. We even received a personal phone call and written letter of apology from the Corporate President of XXXX XXXX for illegally debiting my account for over {$10000.00} for debts not owed and without my permission. They claimed this was a " glitch '' and it took a long time for them to refund my money on payday and during the holiday season. Then it happened again. 

Despite this, Mr. XXXX has continued to send us threatening letters and take us to court.
Product: Credit reporting

i entered disputes with all XXXX bureaus. i do not know what steps to take next they told me to contact creditors for them reporting incorrect information. i sent them my police report and ftc statement.
Product: Debt collection

On  XX/XX/XXXX  an account was reported as being opened by commonwealth financial with an amount being owed of {$920.00} I then sent a validation of debt letter via certified mail on  XX/XX/XXXX  which in return I received a letter back from them dated  XX/XX/XXXX  stating that commonwealth financial systems, inc. Has closed and returned the above referenced account to our client,   XXXX   XXXX   XXXX  . They also stated CFS will send a deletion update to the   XXXX   major credit reporting agencies in which they have not.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a XXXX yet I have an Items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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