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

Dear CFPB, I am writing to file a complaint regarding the unauthorized renewal of my XXXX XXXX policy. As a long-standing policyholder, I am disappointed by the recent decision to renew my policy without my consent. The reason provided for this renewal does not align with the terms outlined in my policy.

Key details about my complaint : Policy Details : Policyholder Name : XXXX XXXX Policy Number : XXXX Effective Date of Renewal : XX/XX/year> Issue : Unauthorized Renewal : XXXX XXXX renewed my policy without my knowledge or consent.

I did not receive any communication regarding this renewal.

The renewal decision contradicts the terms of my policy.

Request : I request an investigation into this matter.

I seek clarification on the basis for the unauthorized renewal.

I expect a resolution that aligns with the terms of my policy.

Supporting Documents : Enclosed, please find copies of relevant documents, including my current policy, State of New Jersey Temporary Evidence of Insurance and a copy of my NJ Driver License.

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. 
APPLE CARD - GS BANK ***** Opened XXXX XXXX, 2020 Balance {$2100.00} APPLE CARD - GS BANK Number XXXX Opened XXXX XXXX, 2020 Balance {$2100.00} GS BANK USA *XXXX Opened XXXX XXXX, 2020 Balance {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to XXXX, XXXX AND TRANSUNION and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX doesn't have any files to verify this account, nor will they delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to demand the deletion XXXX - XXXX for {$8500.00} from my credit report in accordance with the applicable laws and regulations. The purpose of this demand is based on a recent class action lawsuit settlement and the violations of relevant consumer protection laws. 

As per the lawsuit ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was involved in a class action lawsuit due to alleged violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit also accused XXXX of breaching its own contracts by imposing improper fees. 

The allegations against XXXX revolve around its use of " heavy-handed tactics '' in the automotive finance sector, aimed at coercing consumers into paying their loans. These tactics included incessant and harassing calls to the plaintiffs ' phones, which are explicitly prohibited by the XXXX and the FDCPA. 

Moreover, XXXXXXXX XXXX actions are reported to have violated Article 9 of the Uniform Commercial Code ( UCC ), further underscoring their wrongful conduct. These violations have had a detrimental impact on my credit report, hindering my financial standing and causing severe distress.

I firmly believe that these violations and the subsequent lawsuit settlement warrant the immediate removal of XXXX - XXXX for {$8500.00} from my credit report. The negative impact of these entries on my credit history is unfair and unjust, given XXXXXXXX XXXX  proven wrongful actions. 

I hereby request that the Consumer Financial Protection Bureau promptly investigates my case and ensures the deletion of XXXX XXXX XXXX for {$8500.00} from all major credit reporting agencies, including but not limited to Equifax XXXX XXXX, and XXXX XXXX I expect that this deletion will take place within the legally mandated timeframe to rectify the harm caused to my creditworthiness. 

Please provide me with written confirmation once my account has been removed from my credit report, along with any relevant documentation or proof of the deletion. 

Your attention to this matter is greatly appreciated. I trust that the Consumer Financial Protection Bureau will act diligently to protect consumers ' rights and ensure fair and accurate credit reporting practices. 

If you require any additional information or documents, please do not hesitate to contact me at XXXX XXXX or XXXX. I look forward to a swift resolution to this matter. 

Thank you for your prompt attention to this request. 

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

XXXX XXXX last XXXX reported me delinquent to all 3 bureaus - i was instructed to send them my insurance check for 2 payments - sent XXXX  per their instructions - i hired an attorney who sent them demand letter - they did nothing - although i have a recorded conversation stating XXXX  was at fault - now i go into hospital w XXXX  - my bank sends them instructions to draft w a letter - they dud not follow it and again reported me delinquent - i now am able to talk - no XXXX  / i sent them another payment - this company twice has reported fraudulently to all 3 bureaus - i spent XXXX on attorneys and im a XXXX  survivor - XXXX - XXXX  - nothing has been done - ill file suit in federal court if this is not resolved in 21 days -
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm still having problems with incorrect or missing information in my Experian Credit report. On XX/XX/2018 a seven year fraud alert was placed on in my credit report, and I have never requested a seven year alert to be placed on my credit report. I have a lock already on my credit report. 
Also my home address was deleted, and I did not make a request to delete my current home address My name is a XXXX XXXX   and that was removed without my consent as well. My identity has already been compromised due to lack of verification by the crediting reporting agency 's. Also fraudulently bank mortgage are still in my credit report as well. With no information by the bank confirming that it is really my account being that my name is so common and my information is either inaccurate or missing altogether still.
Product: Debt collection

Credit Collection Service Account # : Unknown Amount : {$170.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with CREDIT COLLECTION SERVICE ( CCS ) and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & Credit Collection Service. I  have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless Credit Collection Service can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 


Thank you for your time. 

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

XXXX   XXXX  charged and sent me to collections over equiptment that was returned. The employee assured me my credit would be updated and after several attempts it still remains. I even paid the bill in effort to get this taken off.
Product: Mortgage

As of XX/XX/19 I finalized my refinanced with Caliber Home loans. Prior to finalizing I was told that my sewer taxes were to be included in my total escrow and included ultimately in my total monthly payment. Prior to being made aware of this I was asking questions because my total monthly savings wasnt really enough to sign the deal. But once told that my sewer taxes where included and that was the reason my monthly savings didnt seem like a lot. I signed off on it after proof via email that the addition escrow being taken out was in regards to the sewer taxes. About mid XXXX I got a letter from my town saying there was a intent to Lien on my property because of a overdue balance on sewer tax. I reached out to caliber everyday for a week straight to finally have them resolve it. 2 months later I went to pay my mortgage and realized I was now being charged an addition XXXX dollars a month for 5 years to make up for low escrow in the account. Numerous times I explained that there was plenty of money getting taken out to cover both property taxes, insurance and the sewer tax. Ultimately their final decision was to rework the refinance and I was assigned a new loan officer since the original one was no longer with the company. We agreed to go ahead with the refinance at the end of XXXX. We are currently 3 months into the refinance and still havent closed. As every closing date approaches we get more set backs. With that said we have to reach out to caliber to see what the delay is. We are now being told we have to bring almost XXXX dollars to closing to make up for the Loan to value ratio. We did not make this mistake and Calibers only option is to dispute the appraisal In hopes that we can make the money up. I asked what the next step would be after that and was told it is what it is. So due to calibers mistake I have to suffer. I have made one payment so far with the additional escrow added and about to make a second due to their delays and lack of communication.
Product: Checking or savings account

The third fifty bank has held my money for over 5 months now and has refused to refund my remaining balance in my checking account. 

After a few transactions from my checking account which left my account balance for the amount of {$18000.00} and on the XXXX of XXXX i was email a notice of account closure stating that a hold had been placed on my account for 30 days and the remaining balance in my account will be mailed via check to my address but it 7 months and counting since first third Bank closed checking account and has refused to release the money nor send a check as promised and I have been at the bank branch countless of times yet no positive response from them so I'm appealing to CFPB to please assist me get my money back from my bank
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME. 
I TRIED TO CALL THE XXXX XXXX. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE. 
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND. 
APPRECITAED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I contacted the bank because I lost my debit card they notified me that someone was trying to deposit a check into the account they said they XXXX video of the person doing it but wont share it with me they closed my account and flag my credit now I cant open a debit card with no bank
Product: Credit reporting, credit repair services, or other personal consumer reports

THE LAW 15 USC 1681 SECTION 604 A SECTION 2. states a consumer reporting can not furnish any information relareing to a consumer or to any consumer reporting agency if the person has reasonable cause to belive that information is inaccute. 

this acct is inaccurate XXXX XXXX  XXXX acct # XXXX if this acct is a charge off why does it show i just missed a payment why does it show a balance under federal law my rights where volited by this company and i plan to seek damages
Product: Mortgage

I got on the quicken loans website and started an online chat with one of their live representatives. I told the guy that I was only seeing what I needed for the future and did not want to apply at this time. He took my information and said he was not going to run my credit yet until I was ready at a later date. I later found that they did run my credit against my will and they refuse to remove the credit inquiry from my credit report that I never asked them to run. I sent them 2 different letters asking them to remove the inquiry as I did not authorize it and they refused saying that I needed to file a police report if my identity has been stolen. I never said my identity was stolen I said their representative ran my credit against my will even though he promised to wait until I was ready. This company has treated me extremely unfairly and now I will NEVER EVER do business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX : {$6000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I applied for a checking and savings account with Wells Fargo Bank. They approved my application and opened up my checking accounts. A few days later they closed them with no explanation. I do not think it is right for them to approve and open checking/savings accounts and then close them within a few days. If Wells Fargo finds information on a customer that does not meet requirements for the bank, then they should not approve them at all. I was really needing this checking and savings account and they have not practiced professional business practices.
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.

U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S. DEPARTMENT OF EDUCATION : # XXXX, U.S DEPARTMENT OF EDUCATION : # XXXX, has violated my rights. 

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

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

Please eradicate the erroneous accounts currently being reported on my credit record.
Product: Prepaid card

I got this American Express prepaid reward card with a balance of {$23.00} from XXXX. On the card it says balance never expires but when I tried to use it, the card said the balance was {$0.00} I contacted American Express but they had no idea on why it says {$0.00} and seen it had a starting balance of {$23.00} but refused to issue me a new.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$860.00} XXXX  XXXX {$57.00} XXXX XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

I sent a letter requesting the method of validation and proof of validation. I have not received a response from Kohls. Kohls is reporting negatively on my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX
Product: Debt collection

A law firm acting on behalf of Unifund got a court order judgement against me for way more than the debt owed. There are several points to this complaint : - Unifund 's law offices representatives REFUSED to let me speak to their attorneys. 

- they threaten me and told me not to get my own attorney. They told me if I hired an attorney they would charge me {$25000.00} in fees as a penalty. 

- I was never served papers on this case. I pulled the serve and they say they served a XXXX XXXX which is impossible bc there was/is not anyone else at the home that fits the XXXX description on the paper. 

- they keep changing the amount I owe and refuse to put the exact amount in writing. 

- when I offered to pay the amount of the judgement thet refused to provide a receipt or any paper work saying I satusifued the debt. 

- they threatened to ruin me financially and said they would never stop suing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and found unauthorized inquiries into my credit history by American Express. The dates of the AE inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've never contacted American Express. All of this was done without my consent.
Product: Checking or savings account

I had an account with XXXX XXXX. And I was not givgo XXXX til XXXX then my account was stolen. So I left I was trying to reopen an account now say I cant. I did not receive the XXXX XXXX that was sent out. My part was sent to my ex hundred that not right. I want my part {$900.00}
Product: Credit card

I was offered a credit card by indigo MasterCard and had to accept the offer by XX/XX/year>. I accepted the card before the specific date and received the card on XX/XX/year>. I tried to make several purchases but could not. I then called the company and had to play phone tag for hours and being left on hold for 30 minutes plus. I searched online and saw other referring to this company as a scam.
Product: Mortgage

I have 2 mortgages with Select Portfolio Servicing ( SPS ). In XXXX 2022, I mailed in the payments for both mortgages for the XXXX payment on both mortgages. SPS applied BOTH payments to only XXXX of the mortgages. I contacted them on XXXX XXXX, 2022 to correct the problem. I was informed from a SPS associate that they would expedite this request and it would be corrected by XXXX XXXX, 2022. I receive up to XXXX calls each day, asking me to make my XXXX XXXX. I was told in a later contact that the calls would stop. THEY HAVE NOT and they have NOT corrected the problem. This happened in XXXX of this year resulting in SPS reporting me to the credit bureaus. My credit score in My dropped XXXX points. I am in the middle of refinancing a property. If this happens again, the refi will be cancelled. HELP ME!!!!!