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

In accordance with The Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Mortgage

On XX/XX/XXXX I entered into a mortgage with a non-entity call America 's Wholesale Lender, owned and operated by Countrywide/Bank of America. The Mortgage closing reported the Title Insurer as the Federal Closing agent. The property was owned by myself and my son however both the bank and the title insurer only required my signature on the Note and Mortgage. I was required to sign a Quit Claim Deed to remove my son from title. The Title Insurer then removed their certification stamp from the documents prior to filing them with the public land records and in the court system. 

While this was a {$58000.00} lien and a 15 years fix rate mortgage. After 5 years and 4 months ( by XX/XX/XXXX ) I had repaid {$62000.00}. However several payments had showed they were simply reversed out of the account after payment had been received and the checks had been cashed. Some money had been added back into the account however several thousands of dollars have, to this day, remained missing. 

On more than one occasion the Bank had cancelled the homeowners hazard insurance in order to replace it with lender forced insurance. A complaint was filed with CFPB, however nothing was ever done to the knowledge of this homeowner. The bank, to this day, still has lender forced insurance on the property. 

The bank advised the court that it had complied with CFPB and court requirements to send the homeowner a Notice of Acceleration, however through court documents that Notice was proven to have been manufactured and via US Postal Service tracking it was sent to n address in California not to this homeowner. 

Over the course of 10 years this homeowner has sent the Bank 4 separate Error Letters. The bank has responded to each one, however never fully complied with any of the requests for documents. The Bank also lied and mislead the homeowner in each of it's responses. To dated the Bank has failed to follow the requirements of the RESPA Act of Congress ( Regulation X ) and now know as CFPB Regulations 12CFR1024.35 On XXXX XXXX, XXXX the Bank filed a foreclosure complaint against Both Homeowners. The court ruled in favor of the homeowners on XX/XX/XXXX. This ruling was overturned by the Florida XXXX District Court of Appeals on XX/XX/XXXX. The Homeowners basically won again on XX/XX/XXXX when the court determined based on the evidence that it no longer had " Jurisdiction '' over this case to proceed.
Product: Debt collection

XXXX XXXX XXXX / XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX and other XXXX XXXX XXXXXXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the 80 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CREDITACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws pertaining to identity theft and consumer protection.

It has unequivocally come to my attention that CREDITACPT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. Missouris Identity Theft Law ( RSMo 570.223 ) criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the Missouri Merchandising Practices Act ( RSMo 407 ), which addresses unfair and deceptive business practices.

I assert with unwavering certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws.

I demand that CREDITACPT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouris Identity Theft Law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouris statutes on identity theft and consumer fraud. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDITACPT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

I am a customer with Wells Fargo Bank. Recently money was withdrawn on a couple of occasions without my permission or consent to pay for a timeshare account that was never used by me nor anyone connected to me because of unfair policies pertaining to the fees of the said timeshare. I tried cancelling the said timeshare account several times because of these fees that were never mentioned at the initiation. My account was debited to pay for the timeshare fees without my knowledge or consent several times. I tried correcting this with Wells Fargo bank with no avail. I would appreciate it if you can look into this matter for me. I was left with no funds in my account and as such I could not take care of the basic necessities of my day to day life. 
Thanks in advance,
Product: Student loan

I called the company on XXXX of this year, unfortunately I forgot the exact date, to ask them for a student loan forgiveness since I am not working and unable to pay and unable to receive assistance from my family and all they did was lower my payment to a reasonable amount of {$260.00} but I cant still pay what theyre asking of me as I have no money and they were unwilling to help me. I asked again if they could please help me and they said thats all they could do. They have put the loan in my credit even though I have been paying it however I can and I will no longer be willing to do so as I have no money at all to pay for this loan. I thought I would have had it once I graduated from XXXX XXXX University, however that day never came as I had XXXX XXXX XXXX  problems, family loss and several other factors that prevented me to do so. Please help me in this situation as I can no longer afford a repayment.
Product: Credit reporting

Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX which was opened on : XX/XX/2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to Resident Collect and Equifax to reflect that I had a stolen identity. 
The CRA XXXX Equifax XXXX continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 

XXXX again contacted the XXXX ( XXXX ), and submitted again the information and they state via letter that : XXXX is no longer pursuing the debt and the account is closed. The also say that they have ceased activity and have notified the CRAs of this intention. I am wondering why Equifax refuses to remove this from my report. Please see the attached letter. I want this entry deleted NOW!
Product: Debt collection

Today I received a bill from Tate & Kirlin for a creditor that I have never heard of in my entire life saying I owe the amount of {$2800.00} suggesting that I pay them the sum of {$1400.00} as half or a settlement but how can I pay someone when I have never heard of these people who in the world is this company XXXX XXXX XXXX is beyond me. I have never received a bill an email a call nor a text message from this company in my entire life. How can I settle a bill when I have never received it in my entire life.
Product: Credit reporting or other personal consumer reports

I am frustrated to find unauthorized inquiries on my credit report this morning, with no idea where they came from. After routinely checking my report, these discrepancies appeared out of the blue. I even refreshed my browser, thinking it was a technical glitch, but they remained. Please review the documents I submitted carefully so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I contacted Experian, XXXX and XXXX and also provided proof from the courts that I didnt file a bankruptcy. XXXX and XXXX removed it. Experian is still reporting me as having a bankruptcy. I have written them several letters asking to remove this incorrect item
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX XXXX XXXX to resolve a debt that they acquired from XXXX University. I told the associate ( XXXX ) that I did not want to settle for a lower amount, but instead pay the balance in full with the terms and agreement that the debt would be deleted/removed/ from my credit report. Having my final payment scheduled for the first of XXXX, I contacted XXXX XXXX XXXX  today ( XX/XX/19 ) to request that they fax the deletion letter on the XXXX of XXXX. Upon doing so, I was told by both the associate and her manager ( XXXX ) that they wouldn't do that, and could instead only notate the account on my credit report as " paid in full '' and that the only solution they had on their end was to handle their own issues internally with XXXX ... ... a solution that does not help me at all. To date, I have paid {$3700.00} of the {$4900.00} owed, in a matter of 4 months. A deed that was both very financially and mentally burdening to me, but at the same time done to uphold an agreement that was made in XXXX ; an agreement that is apparently not being held up by the company that told me they would. I feel as if I was lied to and misled in order to pay the full balance due, with no real quick outcome in helping my credit, which was the goal of the initial agreement. I would NOT have agreed to pay {$5000.00} in a matter of 4 months without the terms being what were agreed upon initially, and I honestly would have settled for a much lower amount.
Product: Credit card or prepaid card

I used XXXX XXXX credit to make a purchase for furniture and the credit is serviced by Comenity Capital Bank of XXXX Ohio. The minimum payment requirement was XXXX dollars per month. But I have been paying XXXX dollars per month and the bank has been charging me excess interest. My last payment in XX/XX/XXXX showed a balance of about XXXX dollars then they sent me a balance for XX/XX/XXXX payment of XXXX dollars. Although I have been making payments almost 3 times the minimum amount. I don't understand why.
Product: Mortgage

Below is a copy of compliant to PNC customer relations that explains our compliant with no resolution from PNC as of today. 

Ms. XXXX, My husband and I filled out an Credit line application on XX/XX/2019 ( Collateral against home ). NOT a HELOC we did not want to refinance. 
Ms.XXXX  was very knowledgably and explain exactly what we wanted. It was explained as a more relax process and quick closing process. 
it has been one thing after the next, its like rules are made up along the way from the underwriting team. 

On XX/XX/2019 I received a letter of CREDIT APPROVAL stating that we have met the credit and income qualifications for the loan. PNC is pleased to provide a Credit of  Approval for your credit line! ( waiting for date to sign documents ) What a sigh of relief we let out. We begin contacting our creditors to get pay off quotes and bargaining for lower numbers, finally a lower interest rate and one payment, we can see light at the end of our dark tunnel. Spoke with Mr. XXXX XXXX he stated everything was on course but bank request a walk through appraisal, I ask was everything ok he stated yes and PNC is doing everything to get this loan to closing and if we could open PNC checking account we will save 0.5 % on loan and pay loan through PNC auto checking. 

After 's this conversation my husband and I activate our cards and set up the online app. XX/XX/2019 Mr. XXXX contact me & met me at our home I was taken off guard due to it was XX/XX/XXXX for us. I ask Mr.XXXX if we could say a simple prayer after 's he proceeded to walk through home expressing " your home is lovely ''. I pointed out all windows ( 25 ) hadbeen replaced the sliding doors to patio/deck both sets replaced with French doors etc. Mr . 
XXXX stated the windows and upgrade adds value to home. XX/XX/2019 Mr.XXXX   called about XXXX XXXX stating someone will contact me about appraisal. 

I stated he came XXXX Friday which was a shock because it was good Friday I reiterate. Mr. XXXX stated he wasn't aware the appraisal had taken place but was glad so we could close. XX/XX/2019 I open my email seen PNC had emailed me twice stating loan updateand I will receive a notice via mail in 3-5 days ( I have spoken with Mr.XXXX often ) but Silence on this Monday and days to follow. 
I contact Ms. XXXX and inquired about the email. We begin to seek legal counsel for BREACH of TRUST, Falsified information, Poor & Lack of Communications. I reached out to XXXX on your side consumer team she stated this sounds like " XXXX XXXX '' fraud and theft scheme done by inside. WHY DISCRIMINATION only after the appraisal came things took a turn its a well known facts people of XXXX skin homes are appraised lower than XXXXXXXX Lead in Rejections for Home Loans, Homes in XXXX neighborhoods significantly undervalued ... 
XXXX : XXXX Looking forward to resolving this matter asap, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Funding, XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Debt Collection Activities Dear Sir/Madam, I am writing to formally request that XXXX Funding immediately cease and desist all communication with me regarding the alleged debt referenced under account numbers XXXX specific, I am requesting that XXXX Funding stop all phone calls, letters, emails, or other forms of communication regarding this matter. Please note that I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), and I assert my right to request that you stop all communication with me. 
In particular, I request that you cease the following activities : Cease all phone calls to my home or mobile phone regarding this alleged debt. 
Stop sending any further letters or written communications demanding payment or threatening legal action. 
Cease reporting this debt to credit bureaus, or provide proof that you are legally authorized to do so. 
If you do not have valid documentation supporting the debt, please provide proof of the debt ( e.g., a copy of the original signed agreement or judgment ). 
Please be advised that under the FDCPA, I am entitled to dispute the debt, and if you do not respond with verification of the debt within 30 days, you must remove any negative marks associated with this debt from my credit report. 
If you continue any further collection activity or attempt to contact me after receiving this letter, I will consider taking appropriate legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state attorney general 's office. Additionally, I reserve the right to take legal action for any harassment or violation of my rights under the FDCPA. I trust that this matter will be resolved in a timely manner Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi account number XXXX On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
On XXXX Citi sent a request to XXXXn to delete the account from my credit report. 
On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
XXXX has refused to delete Citi account number XXXX. Each time Citi receives a request from Citi they send Citi a request to verify whether the account is accurate. Because Citi continues to verify the account as accurate XXXX   continues to report the account. This round and round has occurred after each of the 5 Citi requests to delete the account. This has no doubt occurred because of the E-Oscar automated system.
Product: Checking or savings account

The cash app of XX/XX/year> has a bunch of pending transactions I been asking about over and over Because someone is trying to steal my identity who is white and I am just some poor XXXX kids that they dont have to respond to long as they keep a edge or jump on me Cash App case # XXXX and gave me a whole different case number on the same day in the same conversation call. I lose Cell phone service and not I get a email saying you guys are to email me
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XX/XX/XXXXXXXX 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 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

I am writing to bring to your attention an issue regarding the reporting of a late payment account on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. According to the FCRA, by law I have the right to challenge any inaccurate information on my credit report.

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this CREDIT UNION 1 account gets deleted. Ive contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had a proper investigation launched. In addition, in accordance with the FCRA CREDIT UNION 1 has violated my rights : 1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : It also states a consumer reporting agency can not furnish an account without my written instructions 2. Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer.

I did not give written permission to have these accounts furnished on my report. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I am demanding a correction to my credit report by this item being deleted and removed from my credit report.