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

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit file. These accounts were fraudulently opened using my personal information, which was compromised due to a recent data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items removed from my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$00.00} XXXX. BANKCRUPTCY - XX/XX/XXXX - XXXX - {$00.00} XXXX. BANKCRUPTCY - XX/XX/XXXX - XXXX - {$00.00}
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX Amount : {$190.00} Date of XXXX
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR INACCURATE, UNVERIFIABLE, INCOMPLETE ACCOUNT WITH XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in ques tion (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ).  They admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  one  they have hurt. Their mistake cost me  XXXX  points on my credit score.   Contract monthly payments are  XXXX . We pay  XXXX  month  to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.
Product: Credit reporting or other personal consumer reports

Experian is showing 18 accounts with late payments. The accounts were never late prior to my XXXX XXXX filing. Both XXXX and XXXX are reporting correctly. Experian refuses to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed many complaints to Citibank already because of the violations they've committed. They keep communicating with me in connection with the debt collection and in pursuant to 15 USC 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I have stated many times that I refuse to pay the debt and they keep sending emails. They stated in an email that they believe the debt is valid and closed my account without notifying me but in pursuant to 15 USC 1692 ( g ), only the original creditor which is me can validate a debt.
Product: Credit reporting or other personal consumer reports

I demand the XXXX, XXXX XXXX, and XXXX XXXX XXXX be immediately excluded from my consumer report, unless there is proof of signature that I did indeed do business with this company. If there is no such proof, which there is none, then this is consider IDENTITY THEFT and needs to immediately removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting From Identity Theft. I will be suing for {$1000.00} per violation per 15 USC 1681n-Civil Liability for Willful Noncompliance . I also demand any alleged transactions/ experiences be excluded on the grounds of 15 USC 1681 a Definitions ; Rules of Construction ( 2 ) Exclusions- Consumer Report- DOES NOT INCLUDE- ( A ) ( i ) Reports containing information solely as to transactions or experiences between the CONSUMER AND THE PERSON MAKING THE REPORT, also 15 USC 1666b Timing of Payments ( a ) time to make payments- a creditor MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE also 15 USC 1682b- Permissible Purpose of Consumer Report 15 USC 1681eb Maximum Accuracy Shall be reported! Even if this account was mine A charged off status and late payments are transactions and experiences which by law should NOT be reporting to the consumer report anyways, I was also part of the XXXX XXXX Breach which I am taking action, my personal information is compromised 15 USC 6802 No Financial Institute can Disclose your Nonpublic Informtation because my information has been compromised, I demand you take immediate action, I have attached proof of address and DL ( dl address will be changed ) so you XXXX can stop your stall tactics!
Product: Mortgage

I submitted all of the required documents to The Money Source also known as TMS, in order to be considered for payment assistance options. TMS confirmed, they've received the documents but will not consider a review for payment options, I was advised by my service lender TMS to reach out to the VA in order for them to help postpone the foreclosure sale date of XX/XX/XXXX.  The servicer TMS, stated they are unable to help me unless the VA says the foreclosure sale can be postponed. 

I am requesting a Loan Modification from TMS. My name is XXXX XXXX XXXX, and I am retired XXXX Veteran. I was released from employment and have attempted numerous times to request assistance since the beginning of my unemployment hardship. I was verbally denied the ability to apply for any retention options since the beginning of my delinquency, and throughout the course of my unemployment hardship. I've now gained employment, and again began to request assistance but have been verbally denied the opportunity to apply for any payment assistance programs again. 

I am asking for TMS, the VA and CFBP to help request a foreclosure postponement for the reason that : 1. I have a VA loan.

2. My home has never been reviewed for any loss mitigation options in the past.

3. I've attempted to apply since day one of my h
ardship and through the course of my delinquency and have been verbally denied the ability to apply.

4. I do not want to end up homeless, as I have now recovered from my hardship and able to resume payments.

I am requesting assistance with the past due balance to bring the account current. TMS has the following documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and noticed suspicious accounts on it. The account is not mine and I am being negatively impacted by the derogatory accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple Inquiries that were not made by me.
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 federal protected consumer rights to Privacy and Confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602A : States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : 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 ) : States 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: Vehicle loan or lease

I recently purchased a new vehicle. Unfortunately, my loan is through US Bank. I will be applying an extra {$170.00} to each monthly payment which totals {$1000.00} ; subsequently, paying off the vehicle earlier. I have only had two payments so far and both times the US Bank employee apparently can not figure out how to correctly apply my payment. This month it was applied as {$1000.00} making my XX/XX/2020 payment {$650.00} ( which is incorrect ). All they did was apply my extra ( principal amount ) and decreased my next monthly payment. How hard can this be to complete properly? I asked a representative to please add a note on my account so my loan be processed correctly. The representative even admitted to me the employee who entered the payment is just entering the amount in How they want. Can you help assist me with this matter so it isnt a long 6 years? Thanks.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Account Number : has violated my rights. Or a list of Inquiries : XXXX 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 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 or 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: Mortgage

Bank of America Loan No. # XXXX Phone No. # XXXX Monday - Thursday : XXXX XXXX. - XXXX XXXX Friday : XXXX XXXX - XXXX XXXX Saturday - Sunday : Closed XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Countrywide Financial Corporation was my first and only lender until Bank of America bought Countrywide Financial Corporation on about XX/XX/XXXXAfter 5 long years of giving Bank of America all the documents they requested for working out a Short Sale the Short Sale personal finally agreed to allow me to do a Short Sale. Bank of America agreed to a payoff of {$200000.00} in which they would be paid in full. On or about XX/XX/XXXXI called Bank of America and customer service answered and informed me that they now longer service me and they sold my loan to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX, CA XXXX Loan No. # XXXX XXXX XXXX is my case manager # XXXX XXXX : XXXX My question is why would Bank of America sell my loan for pennies on the dollar and take a loss when they were going to be paid in full? Numerous times Bank of America has refused to produce requested documents for me and also to my real estate agent XXXX XXXX ( XXXX ). I dont believe Bank of America has a legitimate explanation and also cant produce the documents requested and thats why Bank of America sold my loan before the Short Sale could take place. Consumer Financial Protection Bureau : Complaint number:XXXX. Date Submitted to CFPB : XX/XX/XXXX. Date sent to Bank of America : XX/XX/XXXX. XX/XX/XXXX Bank of Americas short version Summary of Research : Please be advised that the service transfer of a loan is not related to the status of any loan review. Buying and selling of loans is normal business practice for all lenders. If you need additional information about servicing related inquiries, including short sale and title related inquiries, please contact the current servicer, XXXX, at XXXX. Now, I have no choice but to ask the same questions to XXXX XXXX XXXX XXXX. Consumer Financial Protection Bureau : Complaint number:XXXX. Date Submitted to CFPB : XX/XX/XXXX. Date sent to XXXX XXXX XXXX XXXX : XX/XX/XXXX. Consumer Financial Protection Bureau : Complaint number:XXXX. Date Submitted to CFPB : XX/XX/XXXX. Date sent to XXXX XXXX XXXX XXXX : XX/XX/XXXX. The XXXX XXXX XXXX XXXX Legal Department on XX/XX/XXXX transferred the complaint to the Customer Advocate Department for further research. On XX/XX/XXXX The Customer Advocate Department of XXXX XXXX XXXX , XXXX claimed that Bank of America only gave XXXX XXXX XXXX XXXX the servicing documents from XX/XX/XXXX. Thats when I refinanced with Bank of America and XXXX XXXX  XXXX XXXX therefore cant produce any of the needed documents and/or answer the necessary questions. The Customer Advocate Department of XXXX XXXX XXXX , XXXX referred me back to Bank of America for the needed documents. XXXX XXXX XXXX XXXX doesnt have any of the below documents and only Bank of America does.
Product: Debt collection

LVNV Funding took legal action and brought complaint to XXXX XXXX XXXX XXXX XXXX. Case was dismissed on XX/XX/year>. At this time they are still triggering my credit report as if I owe them money. They will not stop.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a num

ber of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being i
n question.

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX  Incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; OTHERINCOME Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq. , it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Debt collection

XXXX XXXX  attempted to contact me on XX/XX/XXXX. Alleged debt from Wells Fargo from XXXX. XXXX XXXX states they sent correspondence late XXXX, however did not receive it. Company threatened legal action unless payment was made immediately. XXXX XXXX sent an email via XXXX regarding the debt. I proceeded to fax correspondence to validate the debt and stop contacting via phone, only though US mail. Company contacted me directly and my employer on XX/XX/XXXX at XXXX CST. 
Company is in direct violation of FDCPA. When I called the main contact after I received the subsequent communication on XX/XX/XXXX ; whom I spoke with on XXXX ( XXXX XXXX ) she stated that they received the communication and would not send a debt verification as requested via fax and that she would see me in court.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming.Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

I had 2 student loan accounts with the department of education ( Creditor ) XXXX which both are paid in full. I took a look @ my credit report they are both open unpaid accounts but in good standings for payment. So when I contacted the Department of Education I was ask to send in paperwork to ( XXXX creditor ) through the US Department of Education, of receipts, statements or whatever I had to support my claim.I did that. Then I received an email of how much payment I have to pay. Said I was behind after proof I wasn't. Never processed it. Then when I contacted all 3 credit bureaus, The have sided with the Department of Education they have not taken it off
Product: Mortgage

I called Wells Fargo to see if they could terminate my PMI. They said it 's not PMI, it 's actually mortgage insurance ( which is technically different ). I 'm past the 80 % loan-to-value, but they said there 's a requirement to have the mortgage insurance for a minimum of 5 years, so they ca n't terminate it. Is that correct? Also, this loan was a refinance of a loan with Wells Fargo. I asked if they could give me credit against the original loan ( which was in 2010 ), but they said no. It 's all due to investor guidelines, and they do n't have the option to waive the mortgage insurance. Is that correct? The loan officer at Wells Fargo told me that he could n't do this loan if it was n't to my advantage. But I did n't know I 'd have to restart the clock on this expensive mortgage insurance! It 's over $ XXXX/month for 5 years.
Product: Debt collection

I have an unverified account from CREDIT MANAGEMENT. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown things in my credit report to on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

We, Experian, purchase personal data from third-party companies that collect and aggregate personal data. Data resellers collect personal data from a variety of sources, including directly from consumers, through devices and browsers, public records, news sources, and from other businesses and data brokers. How dare you be able to do that? My privacy is very important to me. I have released damages in so many wrongs with your handling of my information.