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

Over several years Ford credit has reported inaccurate information to my credit report. They are reporting and attempting to collect an alleged {$24000.00} deficiency balance. Please be advised that I dispute the legal validity of the alleged deficiency balance. Verification of the alleged debt is requested, specifically, a copy of all signed contracts with the original creditor and all legal notices sent on this alleged account. You are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, you have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit repo we Promptly request deletion of all any credit reporting to credit reporting ag Write or email me once to confirm your compliance with my demand within 1 This letter is as a complaint to the Consumer Financial Protection Bureau ( CP + The CFPB is authorized to investigate this issue and receive any related information. If you fail to comply with this letter, I may turn the matter over to an attorney or sue
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a FTC packet including the following items Cover Letter, FTC Report, Police Report, ID and SSN Card the company said they can not use this in their investigation to block information off my consumer report but under Federal Law all Consumer Reporting agencies must block/Remove any information deemed fraud by the consumer within 4 business days after receiving their Identity Theft Packet
Product: Credit reporting or other personal consumer reports

XXXX XXXX is listed on my credit report. I have never heard of them nor do I have any association or ties to that company.
Product: Consumer Loan

Today, XXXX XXXX, 2016 my auto loan company Coastal Credit LLC called my sister company stating that she have been calling for weeks and no one is answering the phone which lead to my co -worker calling asking me about what 's going on .Coastal Credit account representative XXXX XXXX also called my landlord stating she was calling about a personal business matter. At the time of purchase I gave them my work number to the specific office to where I was employed and not that of my sister company. I have ask several times for them to just leave a name and a phone number and I will respond. I have also filed an earlier complaint and I am asking for this complaint to be in conjunction with the one filed in an earlier date.
Product: Credit reporting or other personal consumer reports

This agency is violating my consumer rights by furnishing adverse items to my consumer report other then those allowedby law. XXXX XXXXS Code 1681c ( a ) Information excluded from consumer reports : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have continuously attempted to assert 15 U.S. Code 1681b - Permissible purposes of consumer reports, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The consumer reporting agency has denied me my federally protected right dictate what may be on my report stating I have no right.

By denying me the opportunity to exercise my right and continuing to furnish information without my expressed permission they have assumed my idenity as the consumer which is identity theft, which is defined by 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority My privacy has been continuously violated under The Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains
Product: Credit reporting or other personal consumer reports

-XXXX  it's under is XXXX  XXXX -XXXX- XXXX XXXX  XXXXGM Financial- XXXX XXXX  They did not get my permission nor warned me about this being placed on my credit report. Did not authorize!
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 : # 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 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: Checking or savings account

Opened a business checking account with Bank of America. On XX/XX/XXXX deposited CERTIFIED CASHIERS CHECK from XXXXXXXX XXXX in the amount of XXXX XXXXThey froze my account after the funds cleared and put a deposit hold on the check saying the account is under review for a suspicious transaction. Spoke to to fraud department and numerous other departments they lifted the deposit hold on my check and my account is still frozen under review. Every time I call they say there is no update at this time and not giving me any answers. I have a running operating business which I cant use my own money to keep running because they cant even tell me what suspicious transaction or why its still under review. I am in the 2nd month now and still cant use my account.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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.

Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX via consumer direct. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer info via XXXX XXXX XXXX. 
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. And might I addThere are quite bit of different names and addresses on my credit report that I I do not recognize and never used. Here are all the names XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX And there are several phone numbers that are not my number. So I asked that it be removed. There is employment data reported from a XXXX XXXX 's and quad graphics. Please remove these items account names and phone number from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  - AUTO FINANCE on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 4. XXXX/XXXX  XXXX  I on XX/XX/2020 ( Reported Identity Theft ) 5. XXXX on XX/XX/2020 ( Reported Identity Theft ) 6. XXXX/XXXX XXXX  I on XX/XX/2020 ( Reported Identity Theft ) 7. XXXX/XXXX  on XX/XX/2020 ( Reported Identity Theft ) 8. XXXX/XXXX  on XX/XX/2020 ( Reported Identity Theft ) 9. XXXX on XX/XX/2020 ( Reported Identity Theft ) 10. XXXX XXXX I on XX/XX/2020 ( Reported Identity Theft ) 11. XXXX on XX/XX/2020 ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 13. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) 14. XXXX XXXX  XXXX XX/XX/2020 ( Reported Identity Theft ) 15. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 17. XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) 18. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )
Product: Credit card

Received notice of increase on Macy 's account to 34.49 %. Excellent credit, so it might be worse for others. This is usury. I am old enough to remember interest in the low XXXX when the fed rate was more than double what it is now. I hear that many department stores are doing the same. Seems coordinated. Investigation requested.
Product: Checking or savings account

This concerns addressing my Power of Attorney ( POA ) for my mother who is XXXX. All other banks, insurance companies and health providers previously accepted the docs that I have provided except for Bank of America XXXX BOA XXXX. Not only would they not accept the same docs they would not respond about what they wanted and just ended assisting me. At one point I was sent to a call center who gave me a run around and was of zero help. They never called the bank or called back as promised. 

XXXX at the bank who was helping me ended up hanging up on my husband and lied to his boss about the conversation and this was not addressed. He would take the problem no where. Had to go face to face with the branch manager who made a call to legal wanting more docs that is not addressed in the POA. She had every programmed response to support the problem and her employee who ultimately did nothing but cause frustration. 

The bank manager chose her words carefully but made me feel as though I was steeling from my mother. BOA has still not accepted my POA.
Product: Mortgage

We received a payoff that had an amount good through XXXX XXXX, 2016. The full amount of funds were wired to Carrington Mortgage CA XXXX. Their company did n't upload the correct amount of funds-they uploaded a smaller amount and rejected the payoff. When title and I called they could n't give us an amount and kept saying it was in foreclosure. I was referred to a lady XXXX, their attorney, who stated it was not in foreclosure and no additional fees had been assessed. Carrington Mortgage has added an additional {$800.00} in fees they ca n't explain to me what they are for. They will not release the house or take the funds unless we pay this amout. The home was never filed to be in foreclosure. They are also now charging us additional days that they returned the money for but they never even uploaded the correct amount on XXXX XXXX. Today is now the XXXX and they are still charging us because they wo n't accept the funds. Title sent them the exact amount on this payoff Carrington Mortgage provided ... giving the balance through XXXX XXXX but to add {$26.00} per day until the XXXX. As I stated the funds were wired XXXX XXXX in the amount of {$200000.00}. Carrington Mortgage only uploaded {$200000.00} Then stated it was n't enough to payoff and returned all funds. The loan is still accustoming interest as I type this though we sent balance in full almost a week ago that they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.
Product: Debt collection

No written notice. No communication. Did not receive notice of right to disputed. Sent info to my credit report. Not enough correct info to verify debt or amount. After I filed a complaint to XXXX I recieved an email.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I upgraded to an American Express Blue Cash Preferred card In XXXX ( annual fee {$62.00}, advertised as 6 % cash back at supermarkets ) from the XXXX card ( no annual fee, 3 % back. ) In XXXX, I realized that I had not received any " Reward Points '' for cash back since I switched. I called and spent a huge amount of time on the phone and was told there was a computer problem that would be fixed within a few days and someone would be in touch with me. 

I have called and web-chatted several times since then and gotten nowhere. 

Today I called and spoke with a supervisor named XXXX, who would not give me a last name or identifying number. She said there were many thousands of people affected by the problem and we would all eventually get all the cash back that we are entitled to, but she could not tell me when, and would not send me an email putting anything in writing. 

My friend thinks this is a scam - that American Express realized 6 % costs them too much and we will all eventually be told we do n't qualify for some reason. ( The fine print says " additional conditions apply '' but does n't spell out the conditions. ) It seems preposterous that American Express ca n't fix a computer program problem in 6 months. Is this a scam? 

Many thousands ( millions? ) of people probably switched to these cards when they saw the 6 % so I assume this issue affects many many people. ( some may not even realize they are not getting the cash back rewards that were advertised and promised ).
Product: Mortgage

The holder of my mortgage loan Wells Fargo is piling on excessive late fees, property inspection fees and Attorney fees as well as quoting a past due balance that is thousands of dollars more than it should be. Not only are they gouging me, but they are also failing to fairly negotiate with me or assign a dedicated contact to review my paperwork as I attempt to resolve my issues with Wells. Instead they are moving me back into foreclosure and serving legal documents on " unknown spouse '' with all of my personal information even though I am the only person on the loan and title. 

I bought this home in 2000. A couple of years ago I had some struggles due to the loss of my job followed by my boyfriend of 7 years walking out on me. I paid the loan from savings as long as I could but finally had nothing left. In order to make ends meet I went and rented an apartment to live in and began leasing out my home because it would increase my monthly income even though it was a terrible situation for me. Over the last year I have pulled back onto my feet, I am gainfully employed at a XXXX and have a good tenant who is leasing my home and paying rent on time. I tried to re-engage with Wells Fargo but they have been difficult to work with. they refuse to accept a mortgage payment from me unless I pay the full past due amount all at once, something I am not able to do. I have asked them to consider me for modification or restructuring of the loan but get nowhere. It is like sending my paperwork to a black hole, there is no dedicated contact and no communication. 

Wells Fargo recently started sending out legal documents that they were moving to foreclose. That is when I noticed the discrepancy in the balance, as well as the excessive charges they have placed on my account. Many occurred on the same day, and many seem to be duplicates for property inspection, Attorney fees XXXX drive by 's etc. I also discovered paperwork that shows I was in a preferred payment program with Wells where they would automatically debit payments from me weekly in order to help me budget. However, Wells never implemented this plan, and then suddenly just stopped accepting payments from me. I am not disputing that I am behind on this mortgage, but I am trying to fix it. However, as a result of this problem and the paperwork I have discovered that Wells is really trying to gouge me here. Based on the recent revelations about their fake bank account scam I guess I should not be surprised. I am filing a formal complaint against Wells Fargo in hopes that this matter can be resolved and I can save my home and only be held accountable for what I truly owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry dated XXXX XXXX,2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. The certified letter was returned undeliverable unknown address.
Product: Debt collection

XXXX XXXX XXXX we successfully received a loan modification on our home. The process was smooth and XXXX XXXX a division of MidFirst Bank was very helpful. All past dues was rolled into the new modification as clearly noted on our attatched modification paperwork. We have reached out to XXXX XXXX and they have stated over the phone that our mortgage is current and has been current since our XXXXXXXX XXXX modification. They claim that they did not send anything to collections as they do not have anything to send. The mortgage has always been current. 

We have also reached out to XXXX who is attempting to collect the debt. We have explained this every way we know how. They can not even explain why they are collecting the debt. We have provided them paperwork on the modification that clearly states that all debts have been satisfied and that we are have been current. We just have not been able to make any progress with them. We feel that we are being taking advantage of and treatened for no reason. We need your help. 

Thank you for your help. 

XXXX XXXX XXXX
Product: Checking or savings account

This is really simple. I had BofA over 10 years or so, and on the on-line banking system from many years ago, I was known as XXXX XXXX, I have changed my name and gender to XXXX XXXX XXXX and in fact I applied for and received a credit card via BofA under XXXX XXXX  : XXXX XXXX XXXX XXXX. 

So now, it would seem really simple to open up a checking account as well with BofA, but NO! 

First of all, they refuse to change my name, thus discrimination, the on line banking systems alwasy says welcome XXXX and there is no way to change it, thus my first discrimination complaint. I have provided you all my ID info, birth cert, social, California ID, so there is no issue, for BofA to continually discriminate against me. 

secondly, they refuse to open up a bank account to XXXX based upon the previous years of date, thus another count of discrimination not only federally but under California strict discrimination laws against XXXX community.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 One main Financial pulled a hard inquiry in XXXX  and XXXX Credit Bureau by sending a email offer to me. The email have a box saying Lets do it and I clicked just to check what was that about it and accidentally scrolled my phone screen and clicked in a box which was saying submit loan application and immediately I received 2 notifications of XXXX  and XXXX  saying the One Main Financial pulled my credit and I got a hard inquiry. I called to One Main Financial and explained what happened and they said They do not do anything about that on the phone and I have to send a letter to then and I did so after the 30 days by law to that respond me Ingot a letter saying the hard inquiry was legitimate and they do not will remove the hard inquiry from my credit then I sant another letter to One Main Financial saying to remove it from my credit bureau or I will sue the One Main Financial but after 30 days They did not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure why but XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXissued updated cards replacing old cards. For some reason credit bureau shows these to be newly opened accounts and dropped mt credit score immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report under XXXX XXXX XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am demanding that you provide me with the name of the original creditor associated with this account, which is indicated as XXXX XXXX. 

Furthermore, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, which is reported as {$3900.00}. I am also requesting a detailed breakdown of how this amount was calculated. It is imperative to note that this request is solely for validation of the AMOUNT of the alleged debt, as stipulated by 15 USC 1692g ( a ) ( 1 ). 

In addition to the aforementioned, I draw your attention to the provisions outlined in 15 USC 1681b, 15 USC 1666b, and 12 CFR 1006.34 ( c ) ( 4 ) ( I ), as well as 15 USC 1692 ( c ), ( d ), and ( e ), which govern the fair and accurate reporting of consumer information, including debt obligations. 

As per the Fair Credit Reporting Act, I am exercising my right to dispute this account and request that it be thoroughly investigated. I expect a prompt response to this dispute within 30 days, as mandated by law.