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

I co signed on this car with my ex with XXXX. My ex defaulted car got repoed. I made an offer to settle the debt that was owed after auction for {$3000.00}. They accepted that term and was suppose to update my report to " charged off settled '' status. They have yet to do that they keep reporting it as open with a pass due balance of XXXX something dollars I have emailed and called them several times and they keep giving me the run around while they continue to ruin my credit. I have two letters one where they accepted my agreement and the 2nd one where it shows I paid it and that they will update it to charged off settled. I paid this debt XX/XX/XXXX. When I dispute it they send the same wrong info to the credit reporting agency.
Product: Mortgage

About XXXX months without my knowledge or consent, XXXX XXXX transferred my mortgage to a shady organization called Mr. Cooper. I had automatic payments set with XXXX XXXX and never had a problem paying. I set up automatic payments with Mr Cooper and they went thru without issue. For some reason, Mr Cooper stopped the auto payments 2 months ago. I have tried to contact them regarding this issue, but can not get thru the voice mail system to speak to a person. I have the money to pay and want to pay, but Mr Cooper is nonresponsive.
Product: Credit reporting or other personal consumer reports

Recently, while reviewing my credit report, I discovered several fraudulent accounts that were opened and used without my consent. These accounts are severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly.

15 USC 1681s-2 : This law outlines the responsibilities of information providers to ensure the accuracy of the information they report to credit bureaus and prohibits reporting fraudulent or incorrect data.

15 USC 1666b : This law provides protections for consumers against unauthorized charges or billing errors, requiring prompt correction of such issues.

15 USC 1681c-2 : This law allows consumers to request a block on fraudulent information resulting from identity theft to ensure it is removed from their credit reports.

Identity Theft and Assumption Deterrence Act ( 18 USC 1028A ) : This law criminalizes the unauthorized use of personal information and provides penalties for identity theft, reinforcing the need to address fraud promptly.

I demand that these fraudulent accounts be immediately and permanently removed from my credit report. Additionally,
Product: Mortgage

I AM HAVING MAJOR DIFFICULTY AS WELL AS MY ATTORNEY, AS GETTING AN ANSWER FROM CIT BANK FOR EITHER AN APPROVAL OR DISAPPROVAL ON THE STATUS OF A RE-MODIFICATION APPLICATION OF MY PRIMARY RESIDENCE!! THE PROBLEM IS, CIT BANK, NEEDS TO MAKE AN IMMEDIATE DECISION AS APPROVED OR DISAPPROVED ON THE RE-MODIFICATION, AS THEY ALREADY HAVE AN UPCOMING SALE DATE SET FOR XX/XX/XXXX, WHICH IS LESS THAN 30 DAYS FROM NOW!! I AM CURRENTLY IN A FORECLOSURE THAT HAS BEEN ON GOING SINCE XX/XX/XXXX AND HAS FILLED OUT MANY OF AN APPLICATION, WITH MANY OF THE BANKS, THROUGHOUT THE YEARS, AND RECENTLY HAVE SUBMITTED 3 NEW APPLICATION TO CIT BANK SINCE THE BEGINNING OF THIS YEAR. INITIALLY, THE MORTGAGE NOTE WAS HELD WITH THE FORMER XXXX XXXX XXXX TRANSFERRED TO XXXX XXXX XXXX AND AGAIN TRANSFERRED TO CIT BANK, WHO CURRENTLY IS SERVICING THE MORTGAGE LOAN FOR THE LAST 2 YEARS. 
I AM A XXXX, WHO CURRENTLY HAS THE MEANS TO PAY A MORTGAGE, AND MEET ALL CIT BANKS CRITERIA FOR A MODIFICATION, BUT, KEEP GETTING STONED WALLED WITH NO FINAL ANSWER ON THE STATUS OF THIS RECENTLY SUBMITTED APPLICATION!! THEY HAVE MORE THAN 5 YEARS OF BANK STATEMENTS AND HAVE THE LAST 8 YEARS OF MY FILED FEDERAL INCOME TAX ON FILE!! I NEED THE CFPB TO STEP IN AND INQUIRE WHY THERE IS NO DECISION ON THIS RE-MODIFICATION INLITE OF THE DOOMING SALE DATE WHICH WILL HAPPEN WITHIN THE NEXT 30 DAYS. 
IN XXXX XXXX XXXX, THE JUDGE OVERSEEING THIS CASE, IN AGREEMENT WITH THE CIT BANK ATTORNEYS, ALLOWED FOR THIS APPLICATION TO BE SUBMITTED AS THE JUDGE AGREES THAT I WOULD MEET THE CRITERIA FOR APPROVAL AND NOT HAVE THE BANK TAKE MY HOME. ANY FURTHER DOCUMENTATION NEEDED PLEASE LET ME KNOW!! YOU CAN REACH ME VIA E MAIL XXXX or call XXXX XXXX XXXX CIT BANK- PHONE- XXXX LOAN NUMBER-XXXX PROPERTY ADDRESS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

Credit collection services I never had a. Account with them and would like to report there saying I do committing fraud spoke with representative there could not verify debt been 2 years said they will fix the problem and still reporting negative on my credit report which is false and incorrect and would like this matter fixed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Filing Claim for Legal and lawful remedy I am writing to file a complaint regarding inaccurate and misleading information on my credit report, in accordance with consumer protection regulations and the relevant provisions outlined in the Consumer Financial Protection Bureau ( CFPB ) rules and United States codes. 

I have obtained a copy of my credit report from your bureau, dated [ date of credit report ]. Upon careful review, I have identified multiple errors and discrepancies that are negatively impacting my creditworthiness. I request your immediate attention and assistance in rectifying the following issues : 1. [ reporting errors. ] 15 usc 1681s-2.

This error violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) that states that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of the information in their credit report.

2. [ reported incorrect information. ] This error also violates the FCRA and the CFPB Regulation V ( 12 CFR 1022.43 ), which requires accurate reporting and investigation of disputed information.

I demand the following actions to be taken promptly to rectify these errors and restore the accuracy of my credit report : 1. Conduct a thorough investigation into each disputed item and promptly correct or remove any inaccurate or unverifiable information from my credit report, as required by FCRA Section 611 ( a ) ( 1 ) ( A ).

2. Provide me with written notification of the results of the investigation, including any changes made to my credit report, within the statutory time frame of 30 days, as stipulated in FCRA Section 611 ( a ) ( 1 ) ( C ).

3. Cease the reporting of any disputed information to third parties while the investigation is ongoing, in compliance with FCRA Section 611 ( a ) ( 2 ).

4. Update my credit report to accurately reflect the changes made as a result of the investigation, as mandated by FCRA Section 611 ( a ) ( 2 ) ( B ).

Failure to comply with the aforementioned provisions of the FCRA and CFPB regulations may result in legal action and damages sought under FCRA Section 616 and Section 617.

I kindly request your prompt attention to this matter. Please provide me with a written response acknowledging the receipt of this complaint within 15 days from the date of this letter. You may reach me at the contact information provided above.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of these credit report discrepancies.

Sincerely
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX/XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX inquiries to be removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was informed of my account being closed. Since then they have not returned my funds. They then claimed they needed bank statement to determine source of funds which was provided. They still have not returned funds
Product: Credit card or prepaid card

I was given a loaner car by XXXX XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX while my car was in for service. On XX/XX/XXXX, my Chase credit card was charged {$130.00}. I spoke with XXXX, the loaner car manager at XXXX, who said it was due to toll charges. When I told him that I should not have any toll charges, he said he would look into it. I received another charge for {$58.00} on my Chase card on XX/XX/XXXX and again spoke with XXXX, who again said he would look into it. The next day, XX/XX/XXXX, I received another charge for {$50.00}. I called XXXX yet again and he again said he would look into it. I never heard from XXXX again despite leaving multiple voice mails. To reverse these incorrect charges, I filed a dispute with Chase. I was told by Chase that the charges were valid and to file a fraud claim if I disagreed. I did this and had to obtain a new card # as a result. When I received a notice from Chase on XX/XX/XXXX that I was still responsible for the charges, I called XXXX again. I was made aware for the first time that the XX/XX/XXXX {$50.00} charge was for a speed zone camera violation on XX/XX/XXXX. I take full responsibility for this charge and do not dispute it. I do however continue to dispute the charges for {$130.00} and {$58.00}. On XX/XX/XXXX, I sent Chase an email with extensive documentation proving that I could not have made the toll charges claimed by XXXX  as I was either at work or out of state at the time the highway toll charges were made. In a letter dated XX/XX/XXXX, I was told that the charges were valid and that I was still responsible for them despite sending them documentation that it would have been impossible for me to be passing through the toll plazas at the times indicated on the toll statement. As attachments, I provide a copy of my email to Chase giving a line by line explanation ( " email to Chase '' ) for why each of the toll charges ( " XXXX  toll invoices '' ) could not have been made by me. I have attached the in and out log for one of the parking garages I use at work showing that I was parked in a garage during some of the charges ( " XXXX parking log '' ). I have also attached : my work schedule for a day that I parked in a different free parking lot where I do not have to swipe a card to go in and out ( " XXXX office schedule '' ), a receipt from yet a different garage where I was parked all day when one of the toll charges occurred ( " XXXX parking receipt '' ), and two credit card app screen shots showing that I was in CT or MA on days that NY-NJ toll charges occurred ( " XXXX XXXXXXXX XXXX XXXX '' and " MA gas receipt '' ).
Product: Credit reporting or other personal consumer reports

Seeing inaccurate accounts on my credit report has been an absolute stress, especially knowing how much theyve damaged my credit score. Its frustrating to think that Ive been declined opportunities because of something that doesnt even belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XX/XX/scrub>/24 Experian, XXXX, XXXX Subject : Dispute of Late Payment Report Request for Correction Dear Sir/Madam, I am writing to formally dispute the accuracy of a late payment entry on my credit report. The specific entry in question is under the account [ Account Name # XXXX ], reported by [ XXXX XXXX XXXX ]. According to my records, the information is incorrect, and I am requesting an immediate correction. 

**Legal Basis for Dispute : ** 1. **15 USC 1681 ( a ) ( 1 ) ** : This section mandates that credit reporting agencies ensure the accuracy and fairness of the information contained in consumer reports. The erroneous late payment entry on my report is neither accurate nor fair.

2. **15 USC 1681 ( a ) ( 2 ) ** : This section emphasizes the need for the reporting system to be fair and equitable . Reporting an incorrect late payment undermines the fairness and equity intended by this law.

3. **15 USC 1681 ( a ) ( 3 ) ** : It is required that consumer credit reports are to be used in a manner that is appropriate and just. An incorrect late payment mark is an inappropriate and unjust use of my credit information.

4. **15 USC 1681 ( a ) ( 4 ) ** : The section outlines the importance of maintaining the confidentiality, accuracy, relevancy, and proper utilization of credit information. The current late payment entry fails to meet these standards, particularly in terms of accuracy and relevancy.

5. **15 USC 1681 a ( d ) ( 2 ) ( A ) ** : This provision excludes certain types of consumer information from being reported if they do not meet the criteria for accuracy and completeness. Given that the reported late payment is inaccurate, it should be excluded from my report.

6. **15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) ** : The code specifies that information must be reported with maximum possible accuracy. As this late payment entry is erroneous, it fails to meet this criterion and must be corrected. 

**Requested Action : ** In light of these regulations, I request that [ Experian, XXXX XXXX XXXX XXXX investigate and correct this error promptly. I have attached relevant documentation ( e.g., payment receipts, correspondence with the creditor ) to support my claim. 

Please provide written confirmation of your receipt of this letter and an update on the status of my dispute within the time frame mandated by the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. Should you require further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Debt collection

Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Resolution Request Incorrect Reporting by Credit Reporting Agencies for XXXX XXXX XXXX : Personal Loan ACCOUNT NUMBER XXXX To Whom It May Concern, I am writing to formally file a dispute and resolution request regarding inaccurate reporting by credit reporting agencies, specifically related to a debt cancellation event supported by a XXXX Form. This dispute centers around an account for which I have received a XXXX Form for the cancellation of debt from the bank that identifies itself as the loan servicer. However, the outstanding balance on this account has not been correctly reported as zeroed out, despite the debt discharge. 

Account Information : Company : XXXX XXXX XXXX Account Holder Name : XXXX XXXX Account Number : Personal Loan ACCOUNT NUMBER XXXX Date of XXXX Form : XX/XX/2023 The issuance of the XXXX Form by the bank that claims to be the loan servicer signifies the cancellation of the debt associated with the aforementioned account. However, credit reporting agencies have not accurately reflected this significant event in their reporting. I believe that these agencies need to demonstrate a good faith effort to display the zeroed-out balance as the debt has been duly discharged. 

Enclosed with this complaint is a photocopy of the XXXX XXXX for your reference. It provides clear evidence of the cancellation of debt associated with the account in question. Therefore, I respectfully request that the CFPB intervene to facilitate the following resolution : Resolution Request : 1. Immediate Removal or Correction of Reporting : Credit reporting agencies must promptly remove or correct the reporting of the account in question to accurately reflect a XXXX balance, consistent with the debt discharge as indicated on the XXXX XXXX. 

2. Cease Negative Reporting : Credit reporting agencies should cease any negative reporting associated with the discharged debt, including but not limited to late payments, defaults, or other derogatory remarks related to this account.

3. Confirmation of Corrected Reporting : Credit reporting agencies must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a XXXX balance and that negative reporting has ceased. 

I firmly believe that this dispute and resolution request will lead to a fair and accurate resolution of this matter. I kindly request that the CFPB investigate this issue and ensure that the credit reporting agencies comply with the applicable regulations and guidelines governing accurate and fair credit reporting. 

Thank you for your attention to this matter, and I look forward to a swift and accurate resolution. 

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

I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed. 

The inquiries that I wish to remove are located on the attached documents of this complaint.
Product: Credit reporting

Credit reports showing XXXX California residing address. Address is unknown? I 've reside in Florida the past 30 plus years. Please advise what I need to do to correct issue. Everything else looks okay. Both Equifax and XXXX showing California address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a consumer by law and my information was misused and now i have this account reporting without my consent, unauthorized use of my credit report
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 use 1681. 

XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX # XXXX 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.

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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Debt collection

MBS BPO LLC Has reached out to me multiple times about a XXXX account # For a XXXX with a debt of {$1600.00} which is a result of identity theft. 
this agency has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Debt collection

I received a call on XX/XX/2022 at XXXX eastern time. They called identifying themselves as PRG collection agency -- by the way the second time I called them they had a different name. They first called my wife and threatened her, then they called me and threatened to put a lien on my home, take me to court and have a judgement against me and my family and I could possibly go to jail. The woman yelled at me and was nasty. It was very scary. My wife is at home alone with our small child and these people are threatening over a PayDay loan for XXXX -- XXXX XXXXXXXX XXXX THAT I NEVER TOOK OUT. EVER. They threatened me, my wife and my home.
Product: Mortgage

In XXXX, 2014, I contacted CHASE Mortgage and proceeded to apply to have my mortgage interest reduced from 8 % to 2-3 %. This was on my XXXX mortgage. 
Over the next 4 months, I submitted information for their underwriter on XXXX separate occasions. My responses were often to repeat requests that were already submitted. They were sent registered mail. This continued for 4 months. Finally, in XXXX, I informed them that I wanted a written decision from their underwriter in XXXX business days. This was never honored. It is just ridiculous that I had to submit the same items and received no service. All I wanted to do was reduce my interest rate. In XXXX phone conversation with a supervisor, I was told, '' Well, you can afford the payments. Why do n't you just continue to pay? '' I was shocked. These are totally unacceptable business practices.