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

To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Credit reporting or other personal consumer reports

I am writing with grave concern regarding a derogatory rating that appears on my credit report. This negative mark has caused me significant distress and XXXX  due to its detrimental impact on my credit standing. It has already adversely affected me, leading to the denial of a recent loan application as well as increased interest rates on my existing credit accounts. I can not overstate the severe financial hardship and emotional toll this inaccurate negative rating has inflicted, and will continue to inflict until it is properly remedied.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

This creditor is harrasing me at work. They are calling my children repeatedly.
Product: Mortgage

Bank of America sent me a modification I refused to except. Bank of America, continually trying to get me to accept a modification with the terms and conditions of adding on 40 more years onto a mortgage loan that I only have 17.8 more years to go before the mortgage is paid off. Instead of lowering my mortgage interest rate. Bank of America, sent me a modification that would have increased my mortgage interest rate with a balloon payment at the end of the terms for the amount of {$20000.00}. at the end of the modification in XX/XX/XXXX. Bank of America, is not applying or accepting my mortgage payments I am making. Continually harassing me about a modification, I refuse to accept, that they are trying to make to sign. The modification would have added on more debt onto a town home that is already severely under water. The entire modification, also stated that the existing debt I have on my mortgage would still be by obligation and was included into the modification. Costing the consumer the borrower an amount of over {$190000.00} on a town-home that is not worth {$10000.00}. After I denied the modification, I continue to get telephone calls from Bank of America Regulatory Department. I have repeated to all employees that I will not sign any type or form of a modification under the terms and conditions Bank of America wants be to sign ( according to the investor ( XXXX XXXX ). Furthermore, Bank of America is continuing to hold my monthly mortgage payments, by not applying them correctly, I was denied paying my mortgage payment at the Bank of America Branch, located in XXXX, Illinois. I had to make a telephone call to Bank of America on XXXX XXXX, XXXX to make my XXXX XXXX mortgage payment. On XXXX XXXX, XXXX, I called to see if my mortgage payment was applied correct. Unfortunately, it was not. It was stated to me only the case manager who is handling the account can apply my XXXX XXXX mortgage payment. After being sent a letter by Bank of America Modification Department dated XXXX XXXX or XXXX XXXX, XXXX, the modification was denied stated by Bank of America, Home Loans. I would like to have all of my monthly mortgage payments applied correct and dated as the correct date when I officially made the mortgage payment, so that I will not have late fees or any other type of fees applied to my mortgage loan. In closing, Bank of America, has reviewed my credit report consistently from XXXX XXXX - XXXX or XXXX. My credit report has over 7-10 inquiries from Bank of America, as if I applied for a mortgage loan when I have not. This is not in compliance with FCRA and needs to be thoroughly investigated. Please follow-up immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

They charged me a lot of fees they should not have. At the end of the loan they sent me like XXXX different checks for {$2.00} {$5.00} {$6.00} I called to complain they even put it on my credit report when they shouldn't have. I had nothing but problems with them. They made me buy the gap insurance and I was never reimbursed for it.
Product: Checking or savings account

I opened a Business Account in Union bank in XXXX, 2017 and was asked to keep {$2500.00}, and the Bank will not charge me a fees, this is the third time they are charging me a fees of {$5.00}, earlier they charged me {$7.00} XXXX times and I have to call in to get the fees waived, I have other things to do, I can not waste my time doing all this, they shouldn't be charging me a fees as I am doing all the things which I am supposed to do.
Product: Checking or savings account

After logging complaints to your agency about not being able to access my account at TD Bank and having that issue resolved, TD Bank is now continuing to block me out of my account because I'd mentioned to management in writing that my bankcard has been functioning perfectly at unfamiliar ATM 's for almost a year which contradicts their position that my account had been red flagged due to me using ATM 's that were not used to my banking history. In short, because I've proven that their claims of me not having the correct ID or combination of ID 's to access my account for security reasons and identity theft wasn't a credible stance since the bankcard was never blocked while I'd used it at several unfamiliar ATM 's moving forward, the bank has now blocked the card after not blocking it before for almost a year since I've moved back to my old borough in the XXXX in XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a XXXX XXXX in XXXX financed with Toyota Financial Services also known as TFS. I called TFS on XX/XX/XXXX and inquired about the fastest way to pay off my loan and get my title, I was advised to submit payoff on www.toyotafinancial.com, I submitted my payment on XX/XX/XXXX of the amount of {$23000.00} directly on www.toyotafinancial.com, I received a confirming email on Monday XX/XX/XXXX from Toyota payment receipt, ( email attached for docs ) also the funds were withdrawn out of my account on XX/XX/XXXX ( bank activity attached ). today is XX/XX/XXXX and my account is still showing as the open balance of the payoff amount, I have contacted TFS on the XXXX and spoke to XXXX ID, XXXX, I was advised that Toyota haven't received my payment even though I have the confirmation email and my bank statement, I requested to talk to a manager and I was told there are no managers to talk to and to call on Thursday to get a status. frustrated I waited until Thursday but couldn't get through to customer service. I called today Friday the XXXX and spoke to XXXX Id XXXX, I was told that the account is still unpaid and I have to wait until next Thursday the XXXX to get states again a requested to speak with a manager and was told again there are no managers I can speak with, XXXX inform me that they see the payment on the Toyota 's site but can't apply it to the account, she also stated that she spoke to a resolution manager and there is nothing they can do for me at this time. I need help resolving this issue, I need to get my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXXXXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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: Debt collection

The company alleges I owe they a debt. I have no contract with the company and the entity coontinues to stalkme and share my personal identifying information and relating a U.S. owed debt to me, the naturl lving -breathing woman, trying to make me responsible for a debt that is ( commercial ) yet connected to to the very same social security number card that says not to be used as identification purposes and also that the card does not belong to me. Furthering the point of privacy violation from this company. In anonimity-this debt collector goes by many name and contacts me through email, phone, and probably connected to the people following me around. I dont appreciate the defamation of charactor this debt colleciton agency has placed upon my corporate name. I am not the ens legis and I am using that corporate fiction to do business in commerce. All Rights Reserved. UCC 1-207.
Product: Payday loan, title loan, personal loan, or advance loan

I went to XXXX XXXX XXXX store to get a bed for my new place in XXXX. The store rep told me the bed I chose was on sale for {$1100.00} which was a great deal. Upon me signing everything to take advantage of the 90days same as cash a bunch of extra fees were thrown in before me even getting the bed delivered to my home which now totaled {$1400.00}. The store rep told me dont worry about anything else and that it will show a balance of {$3300.00} but i only pay {$1400.00} which was still more than i originally agreed to. I was charged a delivery fee when the store told me it would be waived. Upon me calling XXXX to ask why my bed shows a balance of {$3300.00} they advised me that i was no longer enrolled in the 90 days same as cash and told me i would have to pay {$300.00} to be re-enrolled with the promotion. I was lied to and taken advantage of. This same bed is {$1200.00} dollars on XXXX and i would never agree to over paying by an extra almost {$3000.00} dollars for a bed! The company knows they are wrong which is why they are offering to settle with me for {$1600.00}. The balance needs to be DECREASED on my credit file to {$1100.00} the original amount. You all increased the balance and that is INCORRECT! This is affecting my livelihood and ability to get approved for things in my life.
Product: Vehicle loan or lease

On XX/XX/2018, XXXX XXXX in XXXX, AZ, refused to get me a loan at the true market value of my XXXX XXXX XXXX XXXX  with XXXX miles. XXXX year old used car. 
Dealer produced by them, a manufactured XXXX XXXX XXXX price of {$6900.00} fully loaded. My car is not fully loaded. 
The correct price of this car on XX/XX/2018 was {$4300.00} for fully loaded. My car would have been less money. Dealer over charged me for the car- {$7900.00}. Auto dealer fraud. 
Credit Acceptance told dealer that the {$7900.00} is the price of the car or no loan. High pressure sales tactics. Lender took advantage of me. Lender refuses to tell me what my credit score was on XX/XX/2018, what is the minimum credit score? -lender refuses to answer me. Lender gave me a predatory car loan for 22.99 % in Arizona, where I live. The Arizona usuary rate is 10 %. There is no compounding interest in Arizona for car loans. 
Predatory lending is a practice that is unfair or abusive to the borrower. The fraudulent loan charges me almost 50 % interest. The total sale price on loan- charges me my {$1600.00} down payment. 
False advertising by the dealer on XX/XX/2018. Equity stripping by lender pursuant to FTC. Overcharging me for the loan. I was deceived by Credit Acceptance from the beginning. Unfair business practices and consumer fraud-deception. Credit Acceptance still has blatant disregard for the rights of innocent purchasers-me. Credit Acceptance does have the dealer invoice with the price of the car and my credit score.
Product: Credit reporting or other personal consumer reports

This is my XXXX round of Debt validation and XXXX continues to bypass my request and use information I provide in my dispute letter to update my account which under FCRA is illegal. I requested the Original purchase agreement, copies of account statements, and any other details that proves that the collection companies they are reporting from has legal information.
Product: Money transfers

On XXXX, I transferred {$290.00} to my aunt in XXXX, NV to reimburse for home improvement expenses for my mother 's home which she is in the process of selling. My aunt added her bank information and submitted a transfer request, which should have been completed by XXXX. The funds never showed up in her account so she called me. I immediately submitted a customer service request and waited several days. When I did n't receive a response, I used another service for the transaction ( which completed without a hitch, by the way ) and requested a refund. After multiple customer service requests, I attempted to call, but there appear to be NO phone numbers available for this company. I also tried to call the parent company, PayPal, but their XXXX XXXX corporate headquarters only provide EBAY voice prompts in their phone system. It has been simply impossible to get through to a live person or get any kind of response from this company. I am a senior citizen and need my {$300.00} back! HELP!!
Product: Payday loan, title loan, or personal loan

You lock this account from bank I dont understand why
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inaccurate information and inquiries that are reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching back out to you guys because you assisted my with some items on my credit that werent mine. There are still two items on my credit that I know nothing about. XXXX XXXX and XXXX XXXX XXXX This sound like something dealing with some type of medical. Im doing this on my own behalf and have already contacted the FTC and my local police. I have been on my job for over 10 years and have full benefits I have no need to go to the doctor without being able to pay. Please remove these items from my credit.
Product: Mortgage

During my bankruptcy period, my mortgage company did not itemize my mortgage payments. I was told it can only be done after I am discharged from bankruptcy. Nearly four months since my discharge, Ditech is yet to itemize my mortgage payments into interest & principal. I have called as many as six times ; attempted to even talk to a supervisor to no avail. I have been informed no supervisor is available. The customer reps. have apologized for the problem ; promised twice it would be taken care but still unresolved.
Product: Credit card or prepaid card

XXXX XXXX takes care of the XXXX XXXX store cards. Their website does not work. From XX/XX/XXXX to XX/XX/XXXX, it showed I owed nothing yet I started to get calls all hour of the day and night at home, work, and on my cell phone saying I owed money. I just recently paid the entire card off and they reported me to the credit bureau for a delinquent account. 

Even when I try to contact someone, they hang up on me and will not let me speak with a supervisor when the representative can not answer my questions.
Product: Mortgage

Wells Fargo years ago I was behind on my mortgage I did everything possible to try to make it up when I did get them to work with me I had to resign for XXXX  more years and they added XXXX.to my mortgage.my original mortgage loan was XXXX. In XXXX now XXXX  years later I still owe XXXX. How is this right. I only got like XXXX months behind when I had XXXX XXXX XXXX XXXX XXXX and my husband lost his job.This can not be right after XXXX years to owe way more than my original mortgage.Please help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.