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

To Whom It May Concern I am writing to formally demand the immediate removal of unauthorized credit inquiries from my credit report. These inquiries include, but are not limited to, the following entities : 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 My personal information was recently compromised in a data breach, which has led to unauthorized activity on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and demand its removal if it can not be verified as authorized by me. 

Furthermore, the continued reporting of these inquiries after my dispute violates my rights under the FCRA, including but not limited to the following provisions : 1. 15 U.S.C. 1681b ( c ) - Permissible purposes for consumer reports. Unauthorized inquiries do not meet this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Consumer reporting agencies must conduct a reasonable investigation of disputed information.

3. 15 U.S.C. 1681n - Liability for willful noncompliance.

I have already filed complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and will escalate further if these inquiries are not removed immediately. Additionally, I reserve the right to pursue legal action for the willful disregard of my rights under federal law.

You have 24 hours from the receipt of this letter to remove the unauthorized inquiries from my credit report. Failure to comply will result in further action, including filing additional complaints with state and federal regulators, contacting the Federal Trade Commission ( FTC ), and seeking legal representation.

This is a serious matter, and I will not tolerate any further obstruction or delay. Please confirm in writing that the inquiries have been removed. I expect full compliance without further denials or delays. 

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

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

The company has acknowledged this error and has committed to remove the accounts. Other credit bureaus have already removed the accounts after the company recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within XXXX days. Therefore, I expect to receive your response within this time-frame.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of XXXX XXXX, my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts : XXXX XXXX XXXX : XXXX XXXX  XXXX These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA. Specifically : XXXX U.S.C. XXXX Section 602 ( a ) This ensures my right to privacy and accurate reporting. XXXX U.S.C. XXXX Section 604 ( a ) ( 2 ) Consumer reporting agencies can not furnish accounts without my explicit consent. To support my dispute, I have attached the following documents : A personal statement detailing my XXXX  situation. Additional records, where applicable, to verify my identity and substantiate my claim. I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required. Thank you for your prompt attention to this matter.
Product: Debt collection

LoanMe contacts me XXXX times daily from varying phone number area codes all day long. I have a receipt that states " Debt paid in full ''. This company contacts me after I have already emailed XXXX cease and assist emails. 

Additionally, this company continues to write emails and call me 24 hours a day.
Product: Debt collection

I have been reaching out to Comenity Bank to have them remove debt that is not accurate, along with amounts that have been paid. Ive been promised letters via email and in mail. I have not received them. Its been over 2 months. This is regarding charge cards for Comenity Bank XXXX XXXX- this acct has XXXX balance and havent had a balance since last year but its being reports negative. Comenity bank - children place reward card- was paid in full but reported as a negative debt to collection. And Comenity Bank - XXXX XXXX XXXX  - zero balance and has been since XXXX. But has been reported as a negative effect to my credit. Ive called each card and even the banks main number and was told things will be removed. Nothing has been removed or updated from my credit report
Product: Debt collection

I received a letter saying that they took me to court, which I was unaware of, and that they would start garnishing my wages which they did from XX/XX/XXXX until XX/XX/XXXX.
Product: Mortgage

I have worked with Wells Fargo extensively without any success. They are forcing me to escrow funds for flood insurance even though I was personally billed and have paid my flood insurance until XX/XX/XXXX and my mortgage is paid until XX/XX/XXXX. I would like Wells Fargo at a minimum to suspend collecting escrow funds as the policy as between current policy expiration date and escrowed funds on hand the policy is paid until XX/XX/XXXX. Ideally, I would like them to terminate the escrow account with me accepting responsibility for future flood insurance premiums. I have spoke with several agents within Wells Fargo and they seem clueless as it relates to policy and mortgage obligations. The most reason assessment was that its the bank policy to keep any funds they collect via escrow for 12 months, when I asked if this was permitted and agreed to by the parties under the mortgage agreement they were unable to confirm that was the case. I have not entered into any agreement directly with Wells Fargo, my mortgage was originated with XXXX XXXX XXXX, who sold the mortgage to Wells Fargo.
Product: Mortgage

Hello, I am not sure who I would contact in regards to checking the legalities of my Foreclosure in Idaho. I was Foreclosed XX/XX/XXXX/XX/XX/XXXX. My loan was originally through a different lender in XX/XX/XXXX. Then somehow it was switched over to Idaho Housing and Finance in XX/XX/XXXX without my knowledge. In XX/XX/XXXX I was able to modify my loan through the E-Help program. Although it took my percentage rate up to 5 %. In XX/XX/XXXX/XX/XX/XXXX I got behind on my Mortgage due to personal reasons. XXXX for 16 weeks and the XXXX of my mother which I needed to take FMLA to care for her prior to her XXXX. I attempted to modify my loan through Idaho Housing and Finance and they would not approve me to do so. They stated that since I am a XXXX that traveled at the time, I was considered a XXXX. I never received XXXX so I do not understand this thinking. If the government does not consider me a XXXX XXXX how can the lender state that I am a XXXX XXXX? I at one point met with the counselors and had all of the money to pay except for one month. I advised the counselor I would be able to catch up the following month with the full payment. He stated he would not Modify the loan still as I was considered a XXXX XXXX as long as I was a XXXX that traveled. There are a XXXX XXXX that travel for their work and I do not understand why I was singled out and not able to modify my loan. The counselor I worked with kept telling me that he was following the FHA rules. I called an FHA counselor and he stated it made no sense and he would have refinanced me with out an issue but my loan did not show up in their system. So obviously something was not right. I have no idea who to call to find out if this was a legal transaction government wise. Please direct me if you can. The loan number was XXXX through Idaho Housing and Finance in XXXX Idaho.
Product: Debt collection

Ascension Point called me from a XXXX - XXXX telling me they were looking for someone who was the executor of my dad 's estate. They would n't tell me what it was about until I said I was the executor. She would n't tell me what it was about and did n't know my name. I said, " how can you cold call my number about my dead dad 's estate and not know my XXXX name? '' she did n't have an answer and that 's when I XXXX it and saw the scam reviews.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history.Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number.Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have a XXXX credit card and this what they are trying to say this one is XXXX account on your TransUnion credit report. 

I tried to dispute this with transunion but they still are showing this on my report and it has affected my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. Their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

To Whom it may concern, THIS IS THE SECOND COMPANY TRYING TO COLLECT ON A FRAUDULENT ACCOUNT i WILL BE ATTACHING THE FTC REPORT AND POLICE REPORT. THIS IS THE LAST TIME I WILL ADDRESS THIS ISSUE. IF DIVERSIFIED ADJUSTMENT SERVICES ATTEMPTS TO SELL, TRANSFER, OR OUT SOURCE THIS ACC # XXXX BAL {$4400.00} I WILL FILE A LAW SUIT AND SUE THEM. PLEASE DELETE THIS ACCOUNT AND REMOVE IT FROM YOUR DATABASE. XXXX WAS JUST TRYING TO COLLECT ON THIS ACCOUNT AND WAS ALSO INFORMED THAT IT IS A FRAUDULENT ACCOUNT WHY IT WAS TRANSFERRED TO DIVERSIFIED ADJUSTMENT SERVICES IS MINDBOGGLINGLY.
Product: Vehicle loan or lease

Related to COMPLAINT ID # XXXX. 

Per the last response from Being CU, completely misleading to me and CFPB with their response that their were working on the issue, so much so that they filed in court for full recovery of the loan and fees, very corrupt and misleading from their part. 

The court filling states that the car is to be delivered, it has been in their possession for over 1 month now, as it was repossessed from Boeing CU, and completely avoiding my calls. 

XXXX XXXX. XXXX XXXX XX/XX/XXXX and delivered on XX/XX/XXXX. And was given 30 days to respond, took them 21 to deliver it, not very ethical practice from Being CU and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXXXXXX XXXX
Product: Credit card

A few days ago the author of this complaint ( sometimes hererin the " Complainant '' ) received a letter ( the " HSBC Letter '' ) dated XXXX XXXX, 2016 from HSBC Bank USA NA ( " HSBC '' ) informing the Complainant that my HSBC Platinum MasterCard Account With Rewards ending in XXXX ( the " Account '' ) had been closed by HSBC because HSBC had determined the Account had been inactive for 12 months or more. Immediately before the Account 's closure by HSBC the Account had more than XXXX Reward credits ( the " Credits '' ) credited to it by HSBC, the exact number of which is not now known to the Complainant, earned and credited the Credits over many years of usage of the Account by the Complainant. 

Upon Complainant 's inquiry to HSBC after Complainant 's receipt of the HSBC Letter HSBC informed the Complaint that the Credits had likewise automatically been canceled when the Account was closed. 

The Complainant never received any notice from HSBC or otherwise that the Account was under closure review for non-use for 12 months or more, nor, before the Complainant ' s receipt of the HSBC Letter, that the Account was sooner or later to be closed for non-use Had the Complainant received any such prior notice the Complainant would have made use of the Account 's credit card to preserve the Credits for Complainant 's use as and when chosen by Complainant. 

The Complainant asserts that HSBC has acted in bad faith in this matter and demands that HSBC pay to the Complainant in cash the current reasonable cash value of the Credits as determined in accordance with industry standards and practices.
Product: Debt collection

On XX/XX/2021 I pulled my credit and noticed a debt owed to Monterey Financial Services, with a high credit of {$5200.00} and a current balance of {$9200.00}, for original creditor XXXX XXXX. On XX/XX/2021 I mailed Monterey Financial Services a debt validation letter, the letter was not a refusal to pay, however, I requested all documents related to the debt, including all documents pertaining to my balance and any related fees. On XX/XX/2021, I received a response letter in which Monterey Financial Services did not provide the documentation I requested, instead, they provided me with a letter stating my account is past due and a copy of my original contract from XXXX XXXX. 

Being that the documents I received did not explain why there is a difference of {$3900.00} between the high credit and the current balance, I called Monterey Financial on XX/XX/2021 and spoke to a XXXX XXXX at exXXXX. XXXX. XXXX explained the difference in balance amounts is due to interest, in the amount of 2.74 %, which is being charged daily, and annually at 18.99 %. XXXX stated per my original contract with XXXX XXXX, interest will accrue daily, therefore Monterey Financial Services is allowed to charge daily interest, which has caused my balance to increase to the current amount due. 

Upon forwarding my original contract with XXXX XXXX to my attorney for review, it has been determined my contract does not state I would be charged daily interest in the amount of 2.74 % or annually at 18.99 %. In addition to charging unauthorized and excessive interest to my account, Monterey Financial Services failed to disclose any interest and fees they have assessed toward my debt per my debt validation request. 

Monterey Financial Services has violated the FDCPA by not disclosing the amount of interest they have assed to my account, as well as, charging interest that is not disclosed in my original contract with XXXX XXXX. I have attached a copy of my original contract from XXXX XXXX as well as all documents I have received from Monterey Financial Services for your review.
Product: Debt collection

XXXX stated they never had this bill nor did I owe this amount
Product: Credit reporting or other personal consumer reports

An entity used XXXX attempted to open a line of credit in my name without my permission ... My ID care caught the fraudulent activity ... all XXXX credit bureaus XXXX XXXX XXXX XXXXXXXX showed the activity/inquiry for a new line of credit .... I am worried that someone has my social security number ... all happening during XXXX
Product: Mortgage

Wells Fargo is not a company that anyone should use for a home mortgage. I began the process in XX/XX/2020. They kept. asking for more and more information ; each time not giving any indication as to why. Of course, they got their initial fees right upfront. 

As the day of our closing neared, now FOUR months later, and they cancelled the loan due to a supposed problem with the new condos ' HOA insurance. The condo sales staff already closed 14 deals prior to ours. XXXX was the ONLY company that denied the insurance. Mind you, the agent called at XXXX on the Friday before our closing - very unprofessional. 

I can not get back the countless hours I spent getting the excessive information and the stress this company caused is unforgivable. 

If you have another choice, go with a company that cares about its clients and does not leave them in the lurch with no explanation and no apology. 

Since they wasted so much of time, rates increased and now I will owe {$44000.00} in extra interest over the life of the loan.
Product: Credit card or prepaid card

Synchrony Bank canceled a credit card that I've never even used because of information on my credit report that says I'm delinquent. I'm not delinquent. I'm not paying my credit card bills because my bank is delinquent and stole some of my XXXX  in a fraud scheme. XXXX. XXXX. XXXX. XXXX of them? 

The banks are insolvent and run/regulated by criminals. I'm a victim, and the system thinks I'm unworthy of a XXXX $ limit credit card. It is an absolute joke. You have stolen literally hundreds of millions of dollars from me over the years and your conclusion is that I'm untrustworthy of having a XXXX $ line of credit. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax and XXXX XXXX XXXX regarding their mishandling of my claim in the Equifax Data Breach Settlement. Despite my diligent efforts to submit a valid claim, I have not received any compensation, and the administrators have failed to properly process my claim. 

Details of the Complaint Failure to Process Claim : I submitted a claim for reimbursement of out-of-pocket losses and time spent, as permitted under the settlement terms 1. However, XXXX XXXX XXXX has failed to process my claim or provide any updates on its status. 

2.Loss of Documentation : The documents I submitted over two years ago to support my claim have been lost by the administrators 3. This negligence has severely impacted my ability to pursue the compensation I am entitled to under the settlement. 

Extensive Time and Resources Spent : I have dedicated significant time and resources to this claim process : Spent hours compiling evidence and documentation throughout XXXX, XXXX, and XXXX. 

Sent multiple faxes and emails to the administrators. 

Filed numerous complaints. 

Made multiple trips to the post office for document submission. 

Incurred expenses for postage, faxing, and gas. 

Lack of Compensation : According to the settlement provisions, I should be eligible for compensation up to {$20000.00} for out-of-pocket losses and time spent. However, I have not received any compensation to date. 

Inadequate Communication : Despite my repeated attempts to contact the administrators, I have received no meaningful updates or assistance regarding my claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX [ XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute Letter Regarding Noncompliance and Negligence Under 15 U.S.C. 1681o I am writing to formally dispute the inaccurate and negligent handling of my credit information, which has caused harm to my financial standing. Pursuant to 15 U.S.C. 1681o, I am holding your institution liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ).

Details of Dispute : Issue : [ Describe the specific negligence, such as failure to investigate a dispute, failure to correct an error, unauthorized disclosure, or mishandling of data. ] Affected Account ( s ) : [ List account names, numbers, or institutions involved. ] Date of Incident : [ Provide the date when the issue occurred or was discovered. ] Violation of 15 U.S.C. 1681o : Under 15 U.S.C. 1681o, a credit bureau or entity that fails to comply with the FCRA due to negligence is liable for actual damages suffered by the consumer, as well as potential legal costs and attorney fees. Your failure to [ explain the specific noncompliance, such as failing to investigate or correct an error ] constitutes a direct violation of this statute. 

Requested Resolution : I demand the following actions be taken immediately : 1. Correction or removal of the inaccurate information from my credit file.

2. A written explanation of the steps taken to resolve this dispute.

3. Compensation for damages incurred due to your negligence ( if applicable ).

If you fail to take corrective action within 30 days, I will be left with no choice but to pursue further legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for damages under 15 U.S.C. 1681o. 

Please respond in writing to confirm your compliance with this request. A failure to act promptly will further demonstrate willful disregard of your legal obligations. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

In response to my complaint to CFPB about my mortgage company 's unfair attempt to foreclose my home, SPS responded and attached a letter that was never mailed to me and was not event uploaded on their website as other documents. This document was never discussed during all my calls to SPS. The forbearance plan was never mailed to me. I was asked in XX/XX/XXXX to apply for a reinstatement, despite this letter stating that the forbearance plan is up to XX/XX/XXXX. I requested to pay on the account to reinstate it, but they declined stating that they are currently reviewing the account. between XX/XX/XXXX and XX/XX/XXXX, SPS reviewed the account and in XX/XX/XXXX asked for a payment, same request in XX/XX/XXXX. Then in XX/XX/XXXX, SPS declined payment and requested for a full payment out of the blue. When I called to find out why the reinstatement plan was not mailed to me, SPS staff could not provide any explanation, however we both realize that this was during the peak of COVID lockdown and mails were either lost or delivered late.However SPS is not will ling to review tis error and correct the mistake.