23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to XXXX, Experian, and XXXX  disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do, only sent me a letter saying the account was verified.
Product: Mortgage

I have secured a loan through PNC Mortgage. Property Mortgage Insurance was added to my loan when original down-payment was to be 10 %. PMI was supposed to be removed when I changed that to 20 % : it wasn't. I was encouraged to add a little more to the down payment to trigger the removal of PMI : it didn't. Despite numerous attempts to have it removed and despite talking with 5 different people over the past three weeks, I just received the updated document with PMI still included ( my closing is in 5 days ).
Product: Credit reporting or other personal consumer reports

This is regarding the recent legal action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian, filed on XX/XX/year>. The CFPB alleges that Experian failed to conduct proper investigations into consumer disputes, claiming that these investigations were " sham '' operations that violated the Fair Credit Reporting Act ( FCRA ). In light of these serious allegations, I request that any information on my credit report that may have been improperly investigated or inaccurately reported be reviewed and corrected promptly OR DELETED. I trust that you will ensure compliance with all applicable consumer protection laws, including the FCRA, in handling my credit the following accounts are : Account Name : 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: Debt collection

I have sent XXXX Hyundai XXXX XXXX an affidavit of Rescission, cease and disease letter of XX/XX/2022 Notifying them of the violations within my contract. Hyundai has received my documents via certified mail XX/XX/2022. Hyundai did not rebut my AFFIDAVIT OF RESCISSION. Hyundai has failed to decease communication by attempting to collect a debt that not owed due to the breach of contract. 

I will attach the supporting document previously sent to XXXX Hyundai
Product: Checking or savings account

On XX/XX/XXXX, Truist garnished {$490.00} from my checking account. I filed a complaint with CFPB bearing case number XXXX. On XX/XX/XXXX, Truist responded with a one page letter and photocopied attachments titled " Bank Services Agreement ''. In its response, Truist argues that " the ability to collect these funds is in accordance with Section G.7 of Truist 's Bank Services ... .The current amount due is {$3600.00}. '' While Section G.7 discloses Truist 's right to set off an account without notice at the time of the reset, Truist is under obligation to inform me of the charged off in writing it said occurred on XX/XX/XXXX. Under federal law, Truist must submit prompt notification to the consumer of its intent to charged off and eventually do so. Banking laws pursuant to 1692 et seq. provide that a creditor will usually charge off a debt when a consumer fails to make monthly payments for six consecutive months, at which point the account is closed to future charges, although the consumer still owes the debt. In this case, LightStream recorded my last payment on XX/XX/XXXX in the amount of {$110.00}. Since then, my records show NO EMAILS originated from LightStream to my email box at all. In addition, I received no emails from TRUIST regarding any matters concerning LightStream and the charged off. 
Moreover, under Section 1692, a charged off account occurs when a consumer fails to make monthly payment for six consecutive months. This is NOT the case here. LightStream 's email verify the last confirmed payment was XX/XX/XXXX. XXXX months from XX/XX/XXXX would be XX/XX/XXXX. LightStream 's own evidence proves the charged off was illegally implemented prematurely and in violation of Section 1692 of the Federal Code. 
I have attached two documents : ( 1 ) LIGHTSTREAM COMMUNICATION SCHEDULE XXXX through XXXX and ( 2 ) LIGHTSTREAM PAYMENT SCHEDULE XXXX through XXXX. These documents proved that LIGHTSTREAM 's legal form of communication with me was only by email. 
Although Truist claims that the charged off was on XX/XX/XXXX, LightStream 's last communication to me regarding the account ending in XXXX was on XX/XX/XXXX. The XX/XX/XXXX email was not regarding the charged off. Typically, most financial institutions charge off an account after 180 days, or six months, of nonpayment. Before that time, they may use various methods to remind the borrower of the payment schedule such as calling the individual and sending them letters. In this case, records show that LightStream used NONE these various methods to remind me of my payment schedule ( see attachments ).
Product: Mortgage

My mortgage co. claimed i have missed payment without providing any proof or documents to me. I have not missed any payments i have bank statements to prove them wrong, but the mortgage co. will not listen or provide proof. instead they put my mortgage in a loan modification with a higher interest. 

Shellpoint mortgage
Product: Checking or savings account

I changed my Unemployment direct deposit information to direct deposit my unemployment benefits to my PayPal account. This was the first time I had my unemployment benefits get deposited to PayPal. I had my unemployment benefits deposited into my PayPal account on XX/XX/XXXX. The direct deposit was in the amount of {$230.00}. I opened my PayPal account in XXXX and never used my account until I had my unemployment benefits direct deposited into the account. As soon as I received the direct deposit, PayPal put a limitation on my account. Which prevents me from being able to withdraw the {$230.00}. The reason for the limitation they said, was because they had suspicion my account was being used against their policy. Which is not the case since I did not complete any transactions with the account up until I received the direct deposit. So they requested me to send them a picture of my drivers license which my name and address matches my account. They also wanted a bank statement for the debit card that was attached to my PayPal account. But I was unable to supply the bank statement since i added that card back when I opened my PayPal account in XXXX, and the account has been closed for a couple years now. So I told them they can just delete the card from my PayPal account to help resolve the issue. After I sent them that information, PayPal responded stating they put a permanent limitation on my account and I wont be able to access the {$230.00} that is in my account, for 180 days. They said after the 180 days, they will email me, letting me know how I can go about withdrawing the funds in my account. I am in desperate need of my funds to help feed my family, and every time I try and call them and try to resolve this issue and have them issue me a check for my money in my account, they say there is nothing they can do and I have to wait 180 days and wont tell me exactly why my account is permanently limited. I am willing to provide whatever documentation they need to resolve this issue and withdraw my funds. They should not just be allowed to prevent me from accessing my money for absolutely no reason. And why should I have to wait 180 days to receive my money? I have tried everything to work with PayPal to resolve this issue for weeks, and they are not willing to budge at all or release my funds until after the 180 days. I just want to be able to withdraw my funds, and they have no right to prevent me from accessing my own money. I read online when researching this issue, and they do this to a lot of people, which is not okay, especially during a pandemic when people are in desperate need of money.
Product: Credit card

Dear Sir/Madam, I am writing to complain about the AMEX XXXX Preferred Guest Credit Card. Seeing the pre-qualified offer that spending { {$3000.00} } within the first 3 months I can get XXXX Starpoints, I applied for this card XX/XX/2016 through the link online. I spent { {$3800.00} } in the first 3 months, which is much more than what the offer requires but I never get the XXXX Starpoints till now. ( Detailed statements for the first 3 months are attached. ) I reported my situation to AMEX several months ago and tried to call the customer service tens of times but each time I got the same response that I need to wait for 6-8 weeks for reviewing without knowing the reason. I think I am definitely qualified for this offer and at least XXXX AMEX customer service representatives already confirmed that I am eligible to receive the points but they just do n't give me the points and let me wait. Therefore, I am hoping that AMEX can give my Starpoints that I deserved ASAP. Thanks!
Product: Vehicle loan or lease

My car was repossessed and capital one auto told me if I paid XXXX cash when I got the car put that they would forgive the remaining balance and the car would be paid off and loan would be final. I did just that and now they are still charging me for the rest of the loan. I called and the manager said even if they told me that that no conversation would be worth XXXX. I wouldn't have paid XXXX if I would have known they weren't going to forgive the remaining balance so now the car will be up for repo again bc I haven't paid any payments since paying the XXXX. This happened in XX/XX/2021.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a. states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Bonneville Collections, XXXX, and XXXX are consumer collection/reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) Bonneville Collections, XXXX and XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) Bonneville Collections, XXXX, and XXXX dose not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Bonneville Collections, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked In reference to My XXXX XXXX XXXX account XXXX. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Bonneville Collection, XXXX and XXXX are not maintaining reasonable procedures. On XXXX XXXX I called Bonneville 2 times asking for the above information. At that time both Bonneville Collections employees abruptly hung up the phone on me.
Product: Credit card

Apple/GS credit card company has continued to report a fraudulent account that was a direct result of identity theft to my credit report. Dispite the investigation results of the credit Agencies.
Product: Debt collection

I've never received a 1st letter stating a court date, but I received a letter saying I didn't respond the first time and that further action will be taken against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/21. TransUnion has been notified now three times that they are reporting an inaccurate item on my credit profile. I have submitted to them evidence that the information is inaccurate, and each time they have came back stating that it has been verified as accurate. In this last response they did not even state that it was verified accurate or by whom it was verified they only stated that it was updated but did not specify what was updated. The item is Bankrupcty. Originally they stated that the it was veriifed by the Bankruptcy court. I sent a letter to the Bankruptcy court who replied that it was not verified as accurate by them and that they do not provide any information to any Credit Reporting Agency. I sent TransUnion a copy of the letter I sent to the court, and a copy of their response. They then replied that it was verified by XXXX XXXX, I sent mutiple letters to XXXX XXXX to find out how they verified the information, and they eventually sent a letter stating that it had been deleted from my profile with them. I sent that letter to TransUnion and again asked that they delete it since this second data furnisher is not stating that they are no longer providing that information to any Credit Report Agency. TransUnion then replied that it was being reported to them by a Bankruptcy Court in my state that does not hanlde bankrupcty 's in my county. I then submited a complaint to CFPB and they asked for more time to investigate. TOday XX/XX/21, I recieved a letter from TransUnion that only said that item has been updated, but did not state what was updated, or who they received information from to update the profile. 

I am now under the impression that TransUnion makes it harder for people of XXXX to get inaccurate items deleted from their credit report than they do XXXX people. I followed the same steps as my XXXX counterpart, and she was able to get the same thing delted within months, I have been trying now for over a year, and race is the only thing that seperates why mine is still on my credit profile and hers has been deleted. TransUnions and other agencies use E-Oscar and other automated systems to send out letters without actually doing the work. I could see if on the first request it was an automated response, but after the third or fourth an acutal human being needs to look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged on the validity of a derogatory mark on my credit report per XXXX  for Account # XXXX CREDIT COLLECTION SERVICES. Upon, challenging this account, XXXX  deleted the account based on the lack of ability to properly verify all reported information to be accurate. I noticed as, A result of challenging this account with XXXX  AND XXXX  you have verified this same account. It is my understanding that all creditor reports the SAME INFORMATION to all credit bureaus as expected under FCRA, I believe this is a direct violation of my consumer rights and I'm requesting this collection to be DELETED from XXXX  and XXXX  credit reporting agencies immediately for inaccurately and failure to validate the debt in violation of FCRA.
Product: Credit card

I stopped doing business with XXXX in XXXX. The company refused to cancel my subscription. I contacted Capital one Walmart mastercard. The company said that they would put a block on the merchant so that they can not submit charges again. Since that call, I also request new card with new number to the issue. After that call on about XX/XX/XXXX, I have report by email from Capital one that there were daily charges attempt by XXXX, but were declined because there is insufficient credit card. 
I have a payment coming up, and there will be enough credit for this charge to go through. 
I call capitalone on XX/XX/, and spoke to XXXX, who told me that the merchant was not blocked because they ( Capital One ) is investigating. 
They said that if they allowed the charge to go through, they can launch a dispute with the merchant afterwards. 
This is almost ridiculous. I believe if I am responsible to pay the card, then if I direct them not to pay any merchant out of my account, they should implement that, and if the merchant does not like this, it should be between the merchant and myself
Product: Debt collection

I had a XXXX XX/XX/2014. I was sent a copay in the mail that I forgot to pay until XXXX 2014, then I paid it. The bill was {$90.00}. Since then I have had a mark on my credit report for an unpaid bill of {$900.00} to Credit Control Corporation. This has been two years, I paid my bill and have had a lowered credit score and sent out to collection anyway. For two years this has lowered my credit score to XXXX, I need this resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Address Update and Removal of Outdated Addresses Dear Sir/Madam, I hope this letter finds you well. I am writing to request an update to my address information in your records and to have certain outdated addresses removed from my credit report. Please find below my updated address details : New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you update my information accordingly. Additionally, I would like to request the removal of the following outdated addresses from 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 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  I appreciate your prompt attention to this matter and request that you make these updates to my credit report as soon as possible. If you require any further information or documentation from me to process this request, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your assistance in keeping my credit report accurate and up-to-date. I look forward to a favorable resolution of this matter. 

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

Key Bank reported my credit card as 30 days late in XX/XX/XXXX. I have NEVER been 30 days late. I have called Key Bank 3 separate times, and each time they investigated the account and agreed that the account was never 30 days late. They assured me that the late would be removed from all 3 credit bureaus. The last call was in XX/XX/XXXX and as of today, XX/XX/XXXX, it still has not been corrected. This has caused my credit score to drop. I am attaching my payment history for the past 12 months to show the on time payments.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, coming as the living soul, who is the heir and paramount title holder to the Estate known as XXXX XXXX XXXX .

This is actual and constructive notice that the name XXXX XXXX XXXX is Estate property that is copyrighted. You can find that the copyright information has been filed with the Clerk and is on record with XXXX XXXX XXXXXXXX XXXX XXXXXXXX. There you will find the Notice of Declaration and Commercial Affidavit of Truth. From this point forward, this name can no longer be used to furnish and report derogatory account and credit information. All accounts currently listed on the credit report associated with the name must be updated to Paid as Agreed. All late payment information, negative comments, and negative status must be immediately removed. And all balances must be set to XXXX. ALL Reporting containing information solely as to transactions or experiences between the consumer and the person making the report must be excluded. 

" XXXX XXXX XXXX is the perfected proprietary security for the living soul, XXXX : XXXX, under original common law for one hundred ( 100 ) years and is private property for the protection of My estate, life, liberty, and property.

Unauthorized possession or use of XXXX XXXX XXXX and any/all derivatives thereof may be a violation of State Code for Fraudulent Use or Possession of Identifying Information which is punishable by prison and fine. 

Any use of XXXX XXXX XXXX and any/all derivative ( s ) thereof, with or without scienter, at the expense of any right, liberty, property, or any part of My estate, absent full disclosure and lacking written prior consent is strictly forbidden and chargeable to each of the users/issuers in the amount of the sum certain of XXXX XXXX XXXX to XXXX XXXX XXXX ( {>= $1,000,000} - {>= $1,000,000} ) XXXX  of legal and Lawful Silver Dollar Coin of the United States, convertible at the legal and lawful ratio of 24:1 to Federal Reserve Note Dollars as prescribed by law and is not limited by any past, present, or future restriction for each instance of said unauthorized use. 

Placement of XXXX XXXX XXXX on any document associated in any manner with My estate or Me, XXXX : XXXX, without My written prior consent is all of the evidence required for enforcement of this agreement/contract and is evidence that any and all users and issuers are in full agreement and have accepted this agreement/contract without controversy under the conditions and terms so stated and set forth herein.
Product: Debt collection

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.