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

I am writing to dispute a charge-off reported by Avant/XXXX on my credit report, as viewed on XXXX, XXXX, and XXXX XXXX The reported charge-off amount is {$760.00}, which I believe to be inaccurate and misleading. The credit card in reference with Avant/WebBank has XXXX maximum credit limit of {$300.00}, which makes the reported balance impossible. The past 12 months of credit card statements do not reflect any transactions or accumulative interest that could justify a balance of {$760.00}. This discrepancy has not been addressed despite my attempts to rectify it through direct communication with Avant/XXXX 

Under the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ), furnishers of information, like Avant/WebBank, are required to provide accurate and complete information to the credit reporting agencies. The inaccuracy of the reported charge-off amount suggests a violation of this requirement. Additionally, under FCRA Section 611, I have the right to dispute and obtain the deletion of information found to be inaccurate or unverifiable.
Product: Credit reporting or other personal consumer reports

This is the response to Case # XXXX and XXXX and is not a duplicate because the company never gave me what they requested .18 USC 1028A ( Aggravated Identity Theft ) : Placing a hard inquiry on my credit report without my explicit consent or written authorization XXXX constitute aggravated identity theft. This law prohibits the misuse of a person 's identifying information to engage i

n unauthorized activities. 15 USC 1681b ( Permissible Purposes of Consumer Reports ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit reports and hard inquiries may only be accessed for specific, legal
ly defined purposes. Your company must provide documented evidence showing that you had a permissible purpose under the FCRA to access my credit report.

15 USC 1681n ( XXXX XXXX for XXXX XXXX ) : If your company accessed my credit report without proper authorization or permissible purpose, this is a willful violation of the FCRA, and you may be subject to liability, including damages and attorney fees.

15 USC 1681i ( a ) ( Dispute Procedure ) : Under the FCRA, I have the right to dispute inaccurate or unauthorized entries on my credit report. This hard inquiry is unauthorized and must be removed immediately unless you can provide valid evidence of my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX 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 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,
Product: Mortgage

Up until XX/XX/XXXX, my VA-backed mortgage and escrow with PENNYMAC was XXXX XXXX. In XX/XX/XXXX while I was XXXX, PENNYMAC claimed that all of my insurance ( condo, home owners and flood ) had expired and as fiduciary and lender, insured me in such a way that my mortgage and escrow ballooned to $ XXXX. I called them, objected to the outrageous amounts and was told that my monthly cost would continue to be at this high rate despite me showing that I had other insurance. I was overseas and outraged at this criminally usurious rate but could do little from where I was, out of the country. When I returned, I sent them my condo associations documents ( in which insurance is always in place given residents are the condo board where I live and have never let it lapse ), XXXX documents showing coverage of both my home and for floods and they took a long time to acknowledge all of them, much less process them. While PENNYMAC finally decided to acknowledge XXXX home owners insurance in early XX/XX/XXXX, they would not accept the XXXX flood insurance policy until XX/XX/XXXX despite XXXX willingness to cover me for home and flood simultaneously. In addition, they waited until just a few days ago this month to accept my condo associations insurance as well, trying to draw out their usurious monthly rate until XXXX and beyond. Despite my text messages showing they had all of this information in XXXX and could have lowered my monthly bill for mortgage and escrow back to {$4000.00}, they are still charging me the usurious rate of $ XXXX that I can ill afford. I am effectively being charged double for the same insurance with PENNYMAC pocketing the difference. To even pay them this added fee for insurance, I have had to stop paying into my XXXX ( the XXXX  ) for retirement. They should have a fiduciary responsibility to ensure I am covered, but not by seeing what else they can eke out of me and for how long. I am concerned that they will continue to charge me this {$4900.00} despite my showing proof of insurance in XXXX and beyond. I can not afford to continue to pay this high amount, fronting them $ XXXX and have a semblance of retirement on the horizon. I seek immediate relief and to have my insurance instituted and associated fees due and owing remitted to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TAX LIEN DEBT SATISFIED. The tax dept was satisfied in XX/XX/XXXX. Satisfied Tax liens are supposed to be removed from ALL credit reporting agencies. Case/Docket # XXXX Date Filed XX/XX/XXXX Date Reported Court XXXX XXXX, Alabama. Status : Satsified Lien Amount {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The error resolution procedures outlined in Section  1024.35  does not make a distinction as to whether the borrower asserts an error regarding an active or closed loan. It simply states that a servicer shall comply with the requirements of section  1024.35  for any written notice from a borrower that asserts an error and that includes the name of the borrower, information that enables the servicer to identify the borrowers mortgage loan account and the error the borrower believes has occurred. My complaints to the  XXXX  credit reporting agencies regarding the re-aging of my account serves as written notice to the servicer that an error relating to the servicing of my loan has occurred. This complaint serves as my request for documents and information relied upon by the loan servicer in making its determination that no error has occurred.  <P/> The FCRA requires servicers to provide accurate information to the credit reporting agencies. As such, Bank of America, N.A., as the loan servicer on this account, is required to comply with all requirements applicable to a notice of error with respect to such written request. I have disputed the accuracy of the date of delinquency reported to the credit reporting agencies by Bank of America,  N.A . The servicer must comply within 30 days after receipt of the notice of error. Pursuant to section  1024.35 ( e ) ( 4 ),  the servicer shall provide documentation and information relied upon by the servicer in making its determination that no error occurred within 15 days of the borrowers request for such documents.  <P/> Bank of America, N.A. has failed to explain why it believes my mortgage account first became delinquent in  XXXX   XXXX . The CFPB issued a final rule on when a borrower becomes delinquent for purposes of servicing rules.  <P/> A borrower and a borrowers loan obligation are delinquent beginning on the date a payment sufficient to cover principal, interest and if applicable escrow becomes due and unpaid The CFPBs definition of when a borrowers loan becomes delinquent is consistent with the mortgage loan provisions  of P2, S ection O a nd P4 Item 3 ( attach ed ).  <P/> The  XXXX   TILA Servicing Proposal  promulgated by the CFPB allows servicers to apply payments to the oldest outstanding periodic payment. When this occurs the borrowers delinquency must advance. In the instant matter, this did not occur. The payments accepted by the loan servicer between  XXXX   XXXX  and  XXXX   XXXX  were applied to principal and interest and not applied to the periodic property taxes that became due  XXXX   XXXX ,  XXXX  ( see attached ). The loan servicer has not provided a reason authorized by law as to why my mortgage loan account was re-aged. They are required by law to correct the error.  <P/> A copy of this complaint has been mailed to today to : Bank of Americ a, N.A.,  Customer Service,  CA6-919-01-41 ,   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX , CA  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach or fraud. These actions, as well as any unauthorized inquiries, have been reported without my consent. I request verifiable proof of these actions, including documentation bearing my signature or electronic signature. 

Please note, this letter is being submitted by me directly, and not through a third party. I have not authorized any of these actions, which I consider a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which covers the blocking of information resulting from a data breach or fraud, and Section 604, which outlines permissible purposes for consumer reports. 

I have already contacted the relevant companies and discovered that these actions were taken without proper validation or original proof from any of the reporting companies. Since I never authorized these accounts or inquiries, they are fraudulent and appear to be the result of a data breach or the unauthorized reporting of my information by creditors or third-party data furnishers.
Product: Debt collection

Ordered two pair of boots and two pair of sleepers from XXXX '' XXXX catalogue company on XX/XX/XXXX in the amount of {$220.00}. Received my order XX/XX/XXXX and returned two pair of boots and one pair of sleepers on XX/XX/XXXX. XXXX '' XXXX return department verified to me on XX/XX/XXXX, the two pair of boot items had been received. On XX/XX/XXXX the return department verified the one pair of slippers had been received. Payment of {$26.00} was sent for the one pair of slippers kept on XX/XX/XXXX. I have made dozens of phone calls and have spoken to at least a dozen different people and departments between XX/XX/XXXX until present time. I am still receiving statements that I owe for all XXXX items. My bills now include late fees and interest fees in the amount of {$300.00}, and I have been sent to collections through Comenity Bank XXXX. I am at a lost of what to do next, therefore I am seeking your help in rectifying my situation.
Product: Mortgage

I had damages to my home and received insurance claim money which I then submitted to the mortgage company ( Loancare LLC ). In XXXXXXXX XXXX XXXXXXXX I received a final home inspection which confirmed 100 % of the work was completed. The mortgage company failed to pay remaining funds. I then had to take over {$20000.00} out of my own savings to pay the contractor as they were threatening to file a lien on my home. I submitted paid in full receipt on XXXX  XX/XX/XXXX. I still have not been paid by the mortgage company. They are taking excessively long to process the check. I keep getting promised 3-5 business days every time I call, and nothing ever happens. Ive probably called them over 20 times in the last 3 months. They are completely incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a new car and my credit was pulled without my authorization. 
I ask the companies to prove that I authorized a credit inquiry and request that it notify the major credit bureaus. which has not happened, so I then disputed the credit bureaus, and all items are still appearing on my credit report. 

XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX HARD XXXX XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD XXXX XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the Fair Reporting Act, these companies have violated my rights. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute online with TransUnion and a chat representative and I explained that the XXXX XXXX account is reporting past the seven years and is impacting my score and financial means of getting credit cards and loansXXXX XXXX sent me a lien release and a title to confirm this account should not be reporting on my credit.Trans union did a quick investigation and still let this negative account stay on my credit profile and refuse to remove it.So I need this resolved so it does not continue to impact my life severely and XXXX XXXX should corporate and this was removed from my XXXX profile and now I am go through all the credit bureaus to make sure this is resolved and removed from my credit profile.XXXX shouldve taken care this with the credit bureaus and they informed me that they would which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct address is deleted FCRA violation please see attached document FCRA VIOLATION. Correct right address is : XXXX XXXX  XXXX XXXX, TX XXXX and remove wrong address below or pay me {$1500.00} PER violation accordance to FCRA law. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX << -- - NOT Correct address. 
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$3800.00} Date OpenedXXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1500.00} Date OpenedXXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$430.00} written off. {$430.00} past due as of XX/XX/2020. 
Account TypeUtility Balance {$430.00} Date OpenedXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, and not reviewing money sent to me, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Zelle has robbed people out of their money. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Accounts Need to REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion ; XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX , MD XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX XXXX ) made an unauthorized " hard pull '' of my credit report on XX/XX/XXXX. Their address is as follows : XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX, under the name of XXXX XXXX XXXX/XXXX  XXXX, also made soft pull requests on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These report request are evidence of credit card fraud by a third party or unauthorized use by XXXX and XXXX/XXXX  XXXX XXXX. 

Please remove the record of those four ( 4 ) pulls at the earliest possible date.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a debt removed because it was not mine. It was added back to my account a few months later. I spoke with Citi Bank about this card not being mine, and they informed me that I do not have a debt with them or an account. The Debt is over {$7000.00} and Citi Bank has already stated I have no debt with them. This item is supposed to be removed and still has not been.
Product: Credit reporting or other personal consumer reports

Im really disappoint in how Ive been treated on XXXX XXXX XXXX  end throughout this process and this is affecting me and my familys life drastically I reached out on XX/XX/2024 CFPB complaint ID XXXX regarding a original contract for this debt signed by all parties and still havent received it you stated you put the account on hold until it is verified and it is still showing on my credit profile this is in clear violation under The Fair Credit Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
and XXXX XXXX XXXX has done nothing righteous this is unfair and if they are doing this to me imagine who else they are doing this too.Can you please fix it.