23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Vance & Huffman LLC, This letter serves as a formal demand that you cease and desist from all further communication with me regarding the referenced account. I am requesting this under the Fair Debt Collection Practices Act ( FDCPA ),

15 U.S.C. 1692c ( c ). According to your records, the account details are as follows : 1. Account Name : Vance & Huffman LLC Account Number : XXXX Original Loan Date : XX/XX/XXXX Balance Referenced : {$XXXX} Status : Collection Account, {$XXXX} past due as of XX/XX/XXXX XXXX. Account Name : Vance & Huffman LLC Account Number : XXXX Original Loan Date : XX/XX/XXXX Balance Referenced : {$XXXX} Status : Collection Account, {$XXXX} past due as of XX/XX/XXXX I dispute the validity of both debts and the accuracy of your reporting. Additionally, I request that you verify the following for each account : 1. The original creditor and detailed transaction history.

2. A breakdown of the amounts you claim are owed.

3. Documentation showing your authority to collect on these accounts.

If you are unable to provide this documentation, you must immediately correct any inaccuracies on my credit report, cease further attempts to collect the debts, and update the account statuses accordingly.

Failure to comply with this request will leave me no choice but to pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

Please consider this letter your formal notice to stop all communication with me regarding these matters, except for providing written documentation of the requested verification or to confirm closure of the accounts.

Thank you for your prompt attention to this matter.
Product: Mortgage

RE : Loan Application App XXXX. 

They failed to follow guidelines for consumer lending and advertising by stringing out my loan application and using arbitrary reasons to terminate my loan offer because rates had gone up. There was no attempt by the lender to close the loan as quickly as advertised. They intentionally delayed my application because the Federal Government was expected to raise interest rates and they did not want to honor the rate they had offered to me. They advertise closing on loans within days and this was reiterated by representatives throughout my application process. In reality, they would regularly request new documents drafted attorneys, and that required notarization, all at my expense. Each time I took time off work to have the documents drafted, notarized, and returned to them in a timely manner. They would not review documents in a timely manner. For example, I may not hear anything for several days until they request a revision that should have been previously specified. And again, I took time off work to have the document drafted and notarized at my expense. On or about the afternoon of the XX/XX/2022, the United States Government raised interest rates. On or about the evening of XX/XX/2022, the lender made a brand new request for documents. Less than XXXX business hours later, they cancelled my loan application because it was not approved within 14 days. It was not approved within 14 days because of their broken and unprofessional approval process. I am a 100 % XXXX Veteran and the lenders actions have aggravated my health. The lenders actions have also caused me to : XXXX. ) lose the loan rate that I had locked which will cost me thousands of dollars ; XXXX ) cost time/stress trying to accommodate their overly burdensome requests ; XXXX ) damaged my credit ; XXXX ) it will cost time/stress of seeking other funding at a higher rates. I plan to file a formal complaint with the State of California Attorney General and other regulatory authorities.
Product: Credit reporting or other personal consumer reports

Description of Issue : I am writing to express my concern about LexisNexis 's unlawful collection and maintenance of my personal information without my consent. Despite my repeated attempts to access my consumer report, LexisNexis has failed to provide it, instead requesting my driver 's license, which I believe is an unreasonable requirement. 
Unfair Practice : LexisNexis 's actions violate the Fair Credit Reporting Act ( FCRA ), which prohibits consumer reporting agencies from collecting and maintaining personal information without a permissible purpose ( 15 U.S.C. 1681b ). I never authorized LexisNexis to collect or maintain my information, and their request for my driver 's license to access my report is an unlawful attempt to obtain consent.

Privacy Concerns : LexisNexis 's actions also raise significant privacy concerns. By collecting and maintaining my personal information without consent, they have violated my right to privacy under the Fourth Amendment. Furthermore, their request for my driver 's license could lead to identity theft and other fraudulent activities. 
Supporting Laws and Regulations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Fourth Amendment, U.S. Constitution General Data Protection Regulation ( GDPR ), Article 17 ( right to erasure )
Product: Checking or savings account

Requested $ XXXX check for home offer/purchase from our joint ( XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Citizens Access Savings account # : XXXX. 

Check issued on XX/XX/year> to me ; name spelled incorrectly. Called Citizens ; they advised to mail it back for them to cancel redeposit. 

I mailed check back ( to specificed XXXX XXXX XXXX XXXX XXXX, IL ) w/explicit instructions to redeposit/cancel, not re-issue ; online bank statement showed redeposited on XX/XX/year>. 

On XX/XX/year>, online account showed Citizens had removed $ XXXX from account, with description " check deposit returned. '' Have not received check via mail ( withstanding that re-issue wasn't asked for ). Have called numerous times ; Citizens has been unable to answer where our $ XXXX is. 

At most, since XX/XX/year>, Citizens periodically calls and asks us to " mail back check w/incorrect name '', even though we did so prior to XX/XX/XXXX, and have nothing else to send back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}, {$0.00}, {$200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Removal of Negative Items and Correction of Credit Report Due to Data Breach & Consumer Rights Violations To Whom It May Concern, I am writing to formally demand the immediate removal of negative, outdated, inaccurate, and unverifiable information from my credit profile as a result of a recent data breach, which has led to the violation of my privacy rights. I am requesting this action in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and the guidelines established by the Consumer Financial Protection Bureau ( CFPB ). 
As a consumer, I am entitled to accurate, complete, and up-to-date information being reported to the credit bureaus. The data breach in question, along with its resulting fraudulent activities, has compromised my privacy and caused significant harm to my creditworthiness. In light of this, I am demanding the following actions to be taken immediately : Immediate Removal of Negative Information : Remove all negative, outdated, inaccurate, and unverifiable information from my credit profile immediately, especially those items resulting from the data breach or fraudulent activity. I expect all such entries to be corrected and updated to reflect accurate and legitimate data only.

Cease Reporting on Data Breach-Related Accounts : Cease all reporting of any accounts that are directly related to the data-breach incident or fraudulent activities. These accounts are the result of violations of my privacy rights and should not be reflected in my credit report. 
Provide Updated Credit Report : Provide me with a new, corrected copy of my credit report showing all updates and changes, including the removal of negative information as requested. 
Unfreeze My Credit Profile : If my credit profile is currently frozen due to the data breach or as a protective measure, I demand that it be unfrozen immediately so I can have full access to my credit information and ensure no further harm comes from the situation. 
Please consider this letter as a formal request for the prompt correction of my credit profile in accordance with the laws mentioned above. I expect to receive a response within the statutory time frame established by the FCRA, which is 30 days from the receipt of this request. 
Failure to resolve this issue in a timely manner may result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking remedy through the appropriate legal channels. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$14000.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$100.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}. 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 XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX for inaccurate and misleading credit reporting that is negatively affecting my credit profile. Despite my previous attempts to dispute the inaccuracies directly with the company, they have failed to correct or properly investigate the errors in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Details of the Complaint : Company Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Account Number : XXXX 1. Incorrect Account Status My credit report lists this account as a repossession, when in fact, I voluntarily surrendered the vehicle due to lack of proper servicing by the dealer. The report should reflect Voluntary Surrender instead. 

2. Incorrect Balance Reporting My report states a past-due balance of {$10000.00}, which does not align with my payments. I request verification and correction if inaccurate. 

3. False Status Update The status update is listed as XX/XX/XXXX, which is misleading because my last payment was in XX/XX/XXXX and no further transactions have occurred. 

4. Inaccurate Monthly Payment Reporting Since the account was closed in XX/XX/XXXX, no monthly payment should still be reported. 

5. Failure to Identify the Current Debt Owner If the debt was sold, XXXX XXXX XXXX has not provided the name of the new creditor, making it impossible for me to verify the debt.
Product: Mortgage

Rushmore XXXX has not paid our 2023 Property Taxes. They are now more than XXXX  days delinquent. We have notified them numerous times but email and phone. After more than a half dozen phone calls, they still have made no updates to the account or paid the taxes. We went ahead and paid the taxes to avoid any liens being placed on the property. We now want our money reimbursed.
Product: Credit reporting or other personal consumer reports

TransUnion continues to falsely report an account and inquiry that should not be on my credit report. I have provided numerous documents to TransUnion and they fail to remove the following one account and one inquiry from my TransUnion credit report : XXXX ) XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX- This company has committed Identity Theft and at no time had my approval to open account or do business with me. I have filed a police report and reported them on identitytheft.gov. The XXXX XXXX XXXX department has conducted an investigation and the police report is attached below. 

- This account is listed as an open account. I have not and will not be doing business with this company at any time. 

- I have requested verification of debt from the company and they have failed to mail me any information requested. 

XXXX ) XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX XXXX, MN XXXX- The inquiry was at no time authorized by me to run my credit. At no time, did I do business with them. I contacted the company after noticing them on my credit report. They did an internal investigation, in which they informed me that a sales representative falsely provided my information and the company utilized the information provided without my permission. They sent me a letter, and notified all credit bureaus to remove it. 


TansUnion have failed to remove the account and inquiry as I have requested over 90 days ago.
Product: Debt collection

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$610.00} Balance updated XX/XX/2021 This account does not belong to me
Product: Mortgage

I contacted Wells Fargo to see if they could compete with an auto loan offer I received from a credit union. I was assured that they would be able to offer a loan at or below 3 %, I made sure this was the case before proceeding with the application. The loan was approved, but at 5 %, rather than the promised 3 %. I feel I was misled into applying for the loan that was not desirable.
Product: Money transfer, virtual currency, or money service

This complaint is in regards to Square Inc. i have been using their service for the last 10 months. Through this time with them i have had a perfect track record with happy customers and XXXX chargebacks. Despite this fact, months ago they placed restrictions on my account forcibly withholding 10 % of my earnings. Days ago i requested a review of my account to have this limitation removed. Square complied and reviewed the account however they had requested information that doesn't even exist. to be specific they wanted invoices for and contracts for XXXX transactions. These transactions were in person purchases using their point of sale system and were not subject to an invoice or a contract. This was clear deliberate attempt at requesting information that could not be provided to maintain the holding account placed on my business. 
That being said the review resulted in the closer of my account and the withholding of all of my funds ( {$5400.00} ) for 90 days, most of this money in this holding account had already been held for 60 days. 
This company is the perfect example of everything that is wrong with corporate America and the financial companies that operate here. We are a small business and the reckless actions of Square Inc. have had a direct impact on the way we have been able to conduct business and they should be held accountable. at the very least my funds should be released immediately and there should be something done to prevent this excuse of a financial institution from doing this to other business 's just trying to succeed.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Team, I am writing to formally request that you update the information on my credit report to reflect that the loan with XXXX Account XXXX : XXXX has been paid off in full. 
In accordance with the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure that the information reported on my credit file is accurate and up to date. I have attached a copy of the official " Paid in Full '' letter from XXXX as evidence to support this request. 
Please review the attached document and update my credit report accordingly to show the loan as Paid in Full and Closed. Accurate reporting is not only critical for maintaining transparency but also ensures compliance with federal regulations. 
I kindly request a confirmation in writing once this update has been made. If additional information is needed, please feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring the accuracy of my credit report
Product: Credit card

Goldman Sachs closed my Apple Card account without any notice.

When I called Apple Card support they told me I violated their policy. But I didnt do any violations that harm my account status except several disputes from unknown charges and duplicated charges. I always paid off on time and maintain good credit.

Suddenly one day, they decided to close my account and make my life more complicated.

They also reversed some of my payment that I paid from using my Apple Card saving account.

Later I check they also closed my saving account and I didnt see that money was sent back to my Apple Card saving account.

Now they also ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. XXXX, XXXX and TransUnion has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering.
Product: Vehicle loan or lease

I had aribration with Wells Fargo Bank. I sent them a email 24 hours in advance to have them cancle and get a new time for a couple reasons. The thing Wells Fargo did it without me and told JAMS I had not sent my paper work in to XXXX at Wells Fargo. That is not true. She confirmed the First batch I sent and never did the second batch. Then they told the XXXX a lie about me calling 13 years ago and telling them I didnt want my only Transprotation I am XXXX that is not even possible, The Jams came up with 2000 more in a refund. Wells Fargo has paid me XXXX which I sent back. Then XXXX. 
then XXXX with all these checks Wells Didnt gtet a hold of the Trustee from the Chapter XXXX I had to file because of wells Fargos Fraud XXXX Now when I ask about Outside Help and They sent a letter telling me how they will have to get a hold of Trustee now. 
Thats fine I have a Lawyer and she has the paper work I only used XXXX of my exemptions and I didnt own a home so I have XXXX there to be able to protect this. I never have had IRS issues in my life and the Crazy things that is going on with them sure soulds alot like a Case wells forclosed on a home and the Guy raised a stink next thing he is having IRS issues because Wells fargo Bank told the IRS to mess with the guy. I believe fully thats what Wells fargo Bank has done to us. Anybody that would say I didnt send my paper work and so on would do anything.
Product: Mortgage

I refinanced my home with a 30 Year first mortgage and what I was led to believe was a normal 30 second second mortgage some 12 years ago through XXXX XXXX. About 9 years ago I filed bankruptcy due to the hard economic times. The accounts were sold, the first mortgage to XXXX XXXX XXXX and the second to 21st Mortgage Corporation. I have maintained the payments on the first and second mortgages and they are current as of this date. Due to the bankruptcy, on-line servicing of the account was not possible until recently. Upon review of the information I realized that I had not been sold a normal mortgage for the second. It was set up as a balloon mortgage. I originally borrowed {$150000.00} at 9.75 % interest. My payments over the past year are {$1300.00}. I noticed that the term is only 180 months or 15 years and that I currently owe {$130000.00}. I contacted the mortgage company who explained that in 2 years the loan would be due and that I would have have to pay the balloon amount off, approximately {$130000.00} or get a new loan. Is this legal? I feel I have been deceived by XXXX XXXX. My loan was a hurry up and this was not explained to me. I would not have accepted a loan that had an exorbitant balloon payment of {$130000.00} after paying {$1300.00} per month for 15 years.
Product: Checking or savings account

Yes, I have an account with Chime, and they have denied my dispute like XXXX times, each time they deny it in like a hour or so, thats how I know theyre not doing a thorough nor a real investigation, my card was lost and had numerous of transactions that I did not make for almost XXXX dollars, they are not helpful at all, wont even give the provisional credit Ive been reading about, this is insane, they shouldnt even be allowed to have a banking service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX credit reporting company additional information ion account has already been disputed .refused to make accurate reporting seen on my credit report. Scores shown on my credit inacuracted report this account is being graded incorrectly just Dispiuted. I received letters from automobile company called XXXX XXXX XXXX. XXXX, Account who ageed to resend additional letters this account wasn't never late this account settled. Before aggred. Owner name shown on the account XXXX XXXX. On his credit report correctly seen No late payments, seen on my credit report. Listed seen on my credits report late payments XX/XX/year>. Which incorrec
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate and incomplete information on my consumer reports. I demand that XXXX XXXX XXXX update my account as never late always on time 100 % payment history. XXXX XXXX  is stating I didn't make a payment but on transunion and experian it shows im always on time never late account in positive standing. this is damaging my XXXXredit score and my ability to get credit. this is also defamation of character please fix these issues asap. 15 USC 1666b Timing of payments states no late payments exist in a consumer report.