23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Sir, I am REQUESTING COPIES OF THE FOLLOWING DOCUMENTATION : 1. OFFER LETTER OF Treasury 's Home Affordable Program ( HAMP ) by SPS on XXXX XXXX. 
2. OFFER LETTER OF modification resolution offered by XXXX, XXXX XXXX XXXX on XXXX XXXX. 

SPS contacted me 3 times on XXXX XXXX ; urging/pushing me to switch to a " New program which I qualified for and would better suit my case!! ". The new program was the National Mortgage Settlement modification. NEVER, during any of the phone conversations did the representative provide me information of a HAMP offer on the table. Nor did I receive any documentation by mail of a HAMP offer. Contrarily, the response was that my loan modification was still under review. 
NONETHELESS, my understanding was that my account would be reviewed for ALL and/or ANY program available to assist me in saving my home. 

Respectfully, SPS began servicing the account on XXXX XXXX, XXXX, when it was service transferred from XXXX XXXX XXXX. On XXXX XXXX, XXXX, SPS submitted the account for a review of the U.S. Treasury 's Home Affordable Modification Program ( HAMP ). On XXXX XXXX, XXXX, you contacted us and we closed the HAMP review to allow for the National Mortgage Settlement modification ( NMS ) review, which upon approval, could allow for principal forgiveness. On XXXX XXXX, XXXX, we sent you the notice advising of the submission for the NMS review ( enclosed ). We have reviewed your inquiry, and it appears that it is similar to your previous inquiries which were responded to in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. From our review, we believe our prior responses fully respond to your requests. SPS is confident that the servicing of the account by SPS has been compliant with state and federal regulations. 


SPS began servicing the account on XXXX XXXX, XXXX, when it was service transferred from XXXX XXXX XXXX. On XXXX XXXX, XXXX, SPS submitted the account for a review of the U.S. Treasury 's Home Affordable Modification Program ( HAMP ). On XXXX XXXX, XXXX, you contacted us and we closed the HAMP review to allow for the National Mortgage Settlement modification ( NMS ) review, which upon approval, could allow for principal forgiveness. On XXXX XXXX, XXXX, we sent you the notice advising of the submission for the NMS review ( enclosed ). We have reviewed your inquiry, and it appears that it is similar to your previous inquiries which were responded to in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. From our review, we believe our prior responses fully respond to your requests. SPS is confident that the servicing of the account by SPS has been compliant with state and federal regulations.
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. 
XX/XX/XXXX: # XXXX, XXXX Bank : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XX/XX/XXXX: XXXX, has violated my rights. 

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 generallf, 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.

15 U.S.C. 1681B ( 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 HJAVE VIOLATED MMY FEDERALLY PROTECYED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX XXXXXXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX HAS VOILATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C.1681 SECTOIN 604 A SECTION 2 IT ALSO STATES THAT 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 ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OR CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY ONFORMATION REL ; ATED 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 or other personal consumer reports

XX/XX/XXXX on XXXX completed a non-impactive pre-authorization for a car. on XX/XX/XXXX, in XXXX, Texas i purchased a vehicle at a dealership. in XXXX i contacted the three credit reporting agencies regarding fraudulent and unauthorized information reporting on my XXXX accounts credit profile. " EXPERIAN '' nearly got everything correct. They refused to remove a fraudulent Inquiry from XXXX XXXX. XXXX XXXX reported a XXXX credit inquiry, which was ran referencing an EIN, onto my XXXX 's Credit profile. " XXXX '' and " XXXX '' in response to my request to report accurate information, took action that have negatively impacted me and refuse to do whats right. " XXXX '' has been fraudulently accepting my payments of remittance coupons and not reflecting them onto the statement of the account. There should only be XXXX XXXXredit Inquiries on my XXXX accounts credit profile. " XXXX XXXX '' XX/XX/XXXX and " XXXX, Texas car dealership '' XX/XX/XXXX. all other inquiries are the direct result of Fraud, Misrepresentation, concealment, or discrimination. " XXXX XXXX '' became trustee of the XXXX  & failed to fulfill its fiduciary obligation of providing me, the beneficiary, with any benefit. The three credit agencies profit from reporting fraudulent information and take too long to correct issues once brought to their attention.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$650.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

An account was opened at wells fargo under my name. At the time I reported this I didn't have a police report, nor did a I have a letter from XXXX acknowleding that my XXXX ID/Phone number/iPhone had been compromised. I have included a letter for wells fargo, the updated police report, and the letter from XXXX for proof of this.
Product: Credit reporting or other personal consumer reports

I am written you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission, and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX  XXXX XXXX
Product: Credit card or prepaid card

I had my stimulus payment deposited in my NetSpend XXXX XXXX XXXX  account. I verified funds deposited at atm. {$1700.00}. I went to withdraw money a week later at the ATM and the balance was XXXX. I opened a dispute for the entire amount stolen. They ended up giving me {$1500.00}. back into my account. The missing {$230.00}. They kept as a fee for the dispute. My gripe is how can they charge me a fee to get money back from they're mistake. This is on my XX/XX/2022 transaction statement. There were no transaction 's done by me until after the account had been recredited the funds. The made a mistake and paid over a XXXX reoccurring charges without my card being used and without any authorization from me.
Product: Checking or savings account

Bank of America has fees of {$110.00} to {$600.00} and allowing Financial Institutions debiting my checking account.

Bank of America placing excessive fees of {$35.00} I am respectfully XXXX Lifetime and Retired and on fixed XXXX income.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been falsely validated & verified as accurate while maintaining several inaccuracies. As pertained by the XXXX, 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. XXXX & Experian continue to break statute, U.S. code XXXX U.S. Code XXXX  - Compliance procedures, article ( b ). 

Inaccurate Address Inaccurate updated status Inaccurate date of last payment Inaccurate first late payment The inaccurate information being reported by XXXX is a direct violation of my consumer rights. I wish that this account be deleted from my report expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 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
Product: Credit reporting or other personal consumer reports

I have been a victim of a data breach and victim of fraud and victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts XXXX, XXXX, and XXXX XXXX along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law. 


I have noticed an unauthorized Hard inquiry on my consumer report and would like It removed effective immediately. Here is the information that relates to this unauthorized inquiry. 

XXXX ( Finance ) XX/XX/year> I have never done business with XXXX XXXX XXXX and I do not have any open accounts with this corporation. Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The previously stated inquiry must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling a complaint false information being reported on my credit report that dont belong to me these items are being reported twice on my credit report I never been here false information
Product: Credit reporting

The account showing in collections has been paid long ago and the company saidthey reported it as paid but that is not the case. I need this removed from the report and also my BK has been over 7 years so I would like that removed from the public record as well.
Product: Vehicle loan or lease

I dont remember exact dates they have all the dates as they keep calling with dates. My car was totaled in an accident I had gap insurance. The insurance company contacted the leasing company they told them the amount due. They sent them a check for more than the amount owed. The finance company in turn sent me a check for the over payment. The finance company now continued to call and harass me that I owe them {$140.00} when they paid me out. Ive called them numerous times to stop harassing me and to close the account since the insurance company paid them what they said was due and they even sent me a check for the over payment. The finance company needs to be held accountable for harassing me when they were paid in full. They not only HarrAss me they harass my son who is currently serving in the XXXX with these non stop phone calls.
Product: Debt collection

was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes requesting my personal information be updated to the most accurate and up to date information but old address and other names still remain on my credit report. XXXX, XXXX, and Experian have failed to update my personal to only one address, one phone number, one name, and one employer. Correct information should be listed as : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone Number - XXXX Employer - XXXX
Product: Debt collection

Company stated that they are a 3rd party collection and that I needed to contact primary source but they wasn't able to give me the information on who I needed to contact. 
This seems very fraudulent to me. I asked how can they report on my credit and they don't even know if the account is accurate
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$4100.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$3300.00} US DEPT ED XXXX {$7600.00} US DEPT ED XXXX {$5400.00} XXXX DEPT ED XXXX {$4100.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

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. '' No financial Institutions, or Consumer reporting agencies XXXX, Transunion 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 XXXX Transunion, 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. '' XXXX, Transunion and XXXX, have never informed me of my right to exercise my nondisclosure option. XXXX, Transunion 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: Checking or savings account

My father was targeted by a scam which procured his cell phone number, and that information was used to clone a phone call that he made to a phone number *provided by Chase Bank* My checking account, which was linked to my father 's account, was illegally accessed and {$13000.00} was removed from my account without my consent. 

Chase Bank has refused to reimburse the loss, and has said there is nothing they can do to help.
Product: Credit reporting or other personal consumer reports

Transunion didn't let me file a dispute through their website for accounts that are being reported due to identity theft. Through credit karma I was able to file a dispute for only one account. Transunion is the only agency that are still reporting this invalid accounts. Please review my FTC report and immediately remove the accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN WAITING FOR EQUIFAX TO REMOVE A COLLECTION ACCOUNT FOR TWO WEEKS NOW. HOW LONG DO I HAVE TO WAIT WHILE EQUIFAX TELLS THIS GOVT AGENCY THAT THEY ARE WORKING ON IT. JUST TO REMOVE THE XXXX COLLECTION WITH THE FLIP OF A SWITCH. TO STATE THEY ARE DOING REASERCH IS BULLSHIT.. HOW LONG WILL EFPB CONTINUE TO ACCEPT THIS LOUSY EXCUSE FROM EQUIFAX. IF A CFPB AGENT WERE THE VICTIM IT WOULD BE A DIFFERENT STORY. MAYBE TO COZY WITH LYING EQUIFAX. I GUESS.EQUIFAX IS A DISGRACE AND SHOULD BE DISLOLVED. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  account ending in # 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IA XXXX