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

GM Financial is reporting to the credit bureaus that repossession of XXXX XXXX XXXX took place XX/XX/XXXX. 
The XXXX XXXX XXXX was repossessed XX/XX/XXXX ; one ( 1 ) missed payment. 
GM Financial reported to Consumer Financial Protection Bureau in a previous dispute repossession occurred repossession occurred XX/XX/XXXX. 
I request GM Financial delete this account or correct this inaccurate information provided to credit bureaus.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account Number : XXXX This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to cease all communication with me regarding the above-referenced account. This request applies to any and all forms of communication, including but not limited to telephone calls, text messages, emails, letters, and any other medium of communication. Additionally, this directive explicitly includes any communication via my consumer report, as defined by the term " communication '' within the meaning of 15 U.S.C. 1692a ( 2 ).

As per the FDCPA, once a debt collector receives a written request to cease communication, they are required to comply, except to notify the consumer that further collection efforts are being terminated or that specific actions may be taken as allowed by law. Any further communication in violation of this request will be reported to the appropriate regulatory agencies, and I will pursue all available legal remedies.

This letter is not to be construed as an acknowledgment or validation of any alleged debt. Please provide written confirmation that you have received and will comply with this cease-and-desist request.

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX ] All Rights Reserved Without Prejudice
Product: Payday loan, title loan, or personal loan

According to the 15 U.S.C 1681 the loan account should be removed off my credit report.
Product: Credit reporting or other personal consumer reports

Copy and paste the following text : The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, has violated my rights. 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 ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following accounts below : XXXX XXXX Balance : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX Balance : {$2000.00}
Product: Debt collection

BMO Bank is trying to say that we owe a debt to BMO and we have never heard of them. They have referenced an account that was closed with Bank of the West and I have asked them how they obtained our information? Again they reference Bank of the West. 
BMO has reported damaging false information to the credit bureaus, which has caused us humiliation, time and money. BMO has to date not provided any documents signed by us giving consent to use our personal information or to share that information with anyone. Unless they provide signed consent and contracts, which they have not done, they need to cease and desist! BMO left a letter on the front porch, at our place of domicile, this was found by our son as we were out of town. This personal information could have been found by anyone, exposing us to further fraud, time, money and humiliation. So, I sent a Notice of dispute. 
BMO had to provide debt validation when we sent a Notice of Dispute letter certified mail to the XXXX XXXX XXXX XXXX XXXXBMO Bank at XXXX XXXX XXXX XXXX, Wisconsin on XX/XX/year>. BMO did not contact me, they just reported negative information on my report. Our letter included a Stamp on the back of the Notice at the bottom, so if they say it was not received then we will include the XXXX claim and postal fraud. I called BMO Bank on XX/XX/year> and they could not find that account number anywhere in their system and I was told by their agent to file an identity theft report, so I did with XXXX on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I was exposed to a data breech with XXXX nd Transunion. All of my information was leaked and now found on dark web including but not limited to Drivers License number, birthdate, social security, email and physical address. My credit report is compromised and not accurate by their own admission.
Product: Payday loan, title loan, personal loan, or advance loan

I have been contacting One Main Financial for over a year, at least before XXXX of this year ( XXXX ). I have XXXX past accounts with them. Records show that XXXX loans were paid off as a requirement in the process of obtaining additional funds. I also just found out about the lawsuit regarding " Additional Products '' refund, to which I believe I have claim & my complaint now includes. My initial complaint though is as follows : Because I had some records damaged in XXXX, I contacted One Main Financial in good faith, to replace my documents. As the consumer, & original creditor, I never thought once this would be a problem. I requested original copies of loan applications/ contracts, & past statements, what would be a full & total accounting of EVERYTHING I had paid including any fees, to One Main Financial for ALL loans. To date ( XX/XX/XXXX ) they do have the documents and to be clear, after MUCH time, effort, numerous calls & emails, I have finally received contracts for the above-mentioned accounts. However, after the original request, MANY re-requests, phone calls & more emails for the accounting, I only always receive a document that I can not easily read let alone understand. For sure I have NEVER received the corresponding statements to any of the loans. It makes sense to someone there, but it is foreign to me. I have reached out to One Main Financials Legacy Team like 50+ plus times contacted management, etc., anyone I could think of to please just send statements. This includes Executive Office Customer Care ( XXXX ) XXXX XXXX, Executive Vice President & Chief Operating Officer, XXXX XXXX, Executive Vice President ; Spoke to XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, to a main supervisor supposedly, XXXX XXXX XXXX XXXX, XXXX XXXX @ XXXX XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ( XXXX ) stating someone would be following up by XX/XX/XXXX. That never happened. Ive sent emails, soo many emails, and now they have just stopped responding. I want One Main Financial to send me statements for ALL loans, for the duration Ive had with them. I want One Main Financial to send me a legible, understandable accounting of what I paid out for each loan, including any and all FEES! I want One Main Financial to acknowledge in writing, any viable claim on my behalf as it applies.
Product: Debt collection

XXXX XXXX XXXX has an account opened in my name that I have no knowledge of when I request a purchase agreement or some type of information regarding this account they have not returned any information back to me. Balance of {$5700.00} as of today. Account says it was opened on XX/XX/year>. I do not know this company I have not made an agreement with this company. I dont know how they have my personal information and I would like to know who they are and how they got my information.
Product: Mortgage

I am a first time home buyer and I went under contract to purchase a property services by Select Portfolio Servicing on XX/XX/XXXX. As part of my due diligence, I ordered an Inspection ( {$400.00} ), Termite Inspection ( {$50.00} ), Structural Engineer Report ( {$500.00} ), and Appraisal ( {$450.00} ). I also placed earnest money deposit of {$1500.00}. After all inspections, damage was found on the electrical system, foundation, and plumbing as well as active termite infestation and a number a non-working issues with several items in the house. I provided the seller with a copy of the inspection, termite report, and structural engineer report. Seller advised they would have their own termite inspection performed which would take 10 days. On the 30th day, seller indicated they have not received results of their own termite inspection. After proposing to the seller to reduce the price to account for damages but to address the active termites, seller declined and countered to reduce the price by $ XXXX and leave the active termite infestation for me to address. I agreed due to the amount of money I was already out on this transaction. 

My closing date was scheduled for XX/XX/XXXX. A tax lien was discovered on XX/XX/XXXX, and it was communicated to me by my agent on XX/XX/XXXX that the property had been acquired through XXXX and that the foreclosure had never been done to wipe out the lien. I was left having spent {$1400.00} on a property I could n't purchase due to the sellers lack of due diligence prior to placing the property on the market. I requested to have earnest money and expenses refunded to me, seller declined to pay for expenses incurred due to their error stating the contract does not require them to reimburse me even though the sale fall through was due to their error and lack of due diligence. 

I am requesting assistance in getting my {$1400.00} refunded for inspections on a property that the seller had no right to market as available for purchase prior to having performed a foreclosure. This Company has extreme responsiveness issues and is setting consumers up to fail by not adequately overseeing their inventory. I now do not have the money to pursue another first time home purchase since I have now lost {$1400.00} due to the seller 's error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This account was opened fraudulent by the third party company which I didnt authorized to be open
Product: Vehicle loan or lease

I got my car repossessed XX/XX/XXXX I keep getting harassed with every agent I been talking to about it its either they are being rude or say something slick to me I just had one agent call me XX/XX/XXXX about the car I answered and I told her Im in transition of getting a new job and I will be paying them she decided to get smart with me saying its nothing they can do which I know with a attitude and I had to hang up on her because Im not going to argue and they are harassing me in every which way ever since the car has been gone and Im honestly tired of it because I feel like they are being very unprofessional and trying to come off in a rude way to get the money I owe. I have been going through a lot moving around and getting into a better job and all I keep getting is harassed they always have a rude tone when I talk to them or they try to threaten me to scare me and its not right at all I never had this issue with them but now its starting to be a problem I even told the operator I will be giving them something when I do get paid and she said with an attitude well you are still going to receive calls which I know that then she told me its nothing they can do because i voluntarily gave them the vehicle but I asked what more did they want since I will be calling back to make a payment
Product: Mortgage

I had two Mortgages with Wells Fargo Bank. The first Mortgage ( XXXX # : XXXX ) with a principal balance of {$720000.00} was paid off on XX/XX/2020. The 2nd Mortgage ( Loan # : XXXX ) with a balance of ~ {$280000.00} is still active. During the XXXX period in 2020, i took Covid-19 Deferral for both mortgages for the exact same period ( due to Covid Deferral my mortgage payments were deferred ). In 2020 i received a letter from Wells Fargo saying on my mortgage that is still active ( Loan # : XXXX ) Wells Fargo Overcharged me for Deferred Interest ( something to do with interest rate change occurrence ) and gave me a refund/interest rate adjustment of {$3900.00} and a check for {$370.00} for a total of {$4300.00}. 
I then contacted Wells Fargo and said this interest rate change occurrence also applied to the other mortgage which i paid off in ( Loan # XXXX ). This loan had a principal balance of {$720000.00} and then Wells Fargo made me pay {$740000.00} or + {$15000.00} due to interest and " other charges ''. I believe this includes Deferred interest due to Covid 19, and this interest calculation is incorrect ( made the same mistake as my current loan ). I wrote to Wells Fargo 3 times on this, and they have not responded. Since the mortgage is paid off they do not want to open a can of worms because if this mistake applies to all loans with Covid 19 Deferral that were paid off Wells Fargo will have a big liability on their hands. I would greatly appreciate your assistance in looking into the interest calculation for both loans ... and check if the mistake made on the loan where they gave me a refund applies to the larger loan. The dollars are very material for me. Thank you
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 confidentially under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



15 U.S.C.1681 Section 602 A. States I have a 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 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 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

I'm writing you today to dispute negativity on my credit report. The following accounts listed below do not belong to me and need to be deleted or blocked. 

XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. 

In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the items but need you to assist in the process. I'm including this report in my letter to help substantiate my claim. 

I request that you conduct an investigation into the these accounts and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. Thank you for your prompt attention to this matter.
Product: Mortgage

Select Portfolio Servicing is my Mortgage company and they have taken home insurance out on my home. They have added the insurance payment to my mortgage payments for each month. I recently file bankruptcy and will be paying the insurance payment back to my mortgage company for the insurance they have taken out on my home. I recently have had major roof damage from storms and hail which have caused my roof to leak in several areas in my home. So, I needed to take a claim out and did so and had a claim specialist come out and look at the damage. I received a claim check from the insurance company, and it has my name and my mortgage company name on the check. My mortgage company is refusing to send the check back to me so I can pay a contractor to fix my roof damage and the inside my house ceiling where it leaks. They want to send me a quarter of the money for me to pay my contractor. I can not pay my contractor a quarter of the money because my contractor will only do all the work at one time and will not only do partially of the roof work. So, I am stuck with a damage roof and my ceiling leaking and can not get it fix because my mortgage company is refusing to send me all the claim check back to me. I have recorded conversation with my mortgage company that by law I made sure they knew I was recorded our conversation on several different conversation with different agents telling me to send them the check and they would endorse it and send it back to me. And I have other recorded conversation with agents telling me different stories about what I need to do with the claim check. And I'm also trying to get my own home insurance on my home, so I don't have to pay my mortgage company to take insurance out on my home. But no insurance company will give me insurance with a damage roof until I replace my roof damage. And now my mortgage company is taking their own insurance out on me again and adding the payments to my mortgage payments every month causing my monthly payments to go up on me. I will be more than happy to send the recorded conversation to the CFPB if needed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX is in violation of 15usc 1681 section 602a. They violated my privacy by sharing my transactions without my written consent. XXXX is also. Further is the violation of 15 usc 1681 section 604a section 2. Please remove this account and its history off my consumer profile.
Product: Credit reporting or other personal consumer reports

I trust this message finds you with a sense of urgency. I am writing to urgently bring to your attention a matter of great concern involving LVNV Funding LLC, a debt buyer, and their persistent pursuit of an alleged XXXX XXXX  debt amounting to {$690.00}. 

Despite the confirmed removal of the aforementioned debt from my credit report by XXXX and XXXX, adhering to the Fair Credit Reporting Act ( FCRA ) guidelines, XXXX appears unwilling to cooperate and still reflects the debt. This conflicting response exacerbates the severity of the situation, leaving me in a precarious position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX- {$13000.00} XXXX- {$4400.00}
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I closed out an account with XXXX XXXX XXXX acct # XXXX that was considered PAID IN FULL but has continously posted in accurate stating I made a payment in XX/XX/XXXX also posting several late payments when in fact it was closed and PAID IN FULL XXXX XXXX. This needs to be corrected with NO late payments or removed from my crefit profile. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted EXPERIAN or XXXX XXXX XXXX such authority This account as of XXXX is reporting XXXX Late Payments XXXX it was reported as PAID OFF with XXXX LATE PAYMENTS XX/XX/XXXX it was reported XXXX LATE PAYMENTS XX/XX/XXXX it was reported 120 days late PAID OFF Also within payment history there can't be reporting of 30 day late multiple moths XXXX not XXXX and so and so
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX # XXXX XXXX DATE $ XXXX I am knowledgeable that 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 XXXX years. This is effecting me by causing me to have higher interest rates that I'd normally qualify for. Resulting in undue XXXX & stress. Payments are now becoming unaffordable & quality of life is deteriorating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX  ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX  Creditor Name : SYNCB Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.