23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

A letter was sent to Experian regarding XXXX and that the XX/XX/2015 payment was reported in error. They did not investigate fully or failed to change the reporting to reflect 30 day late. Another letter was sent regarding XXXX XXXX regarding incorrect information- lien placed on credit. The letters were not sent in my name and was not given an opportunity or notified to discuss account and amounts until a lien was place on credit. The report reflects XXXX, yet a very recent letter states XXXX for XXXX XXXX. I have been working very hard to keep credit in good standing. XXXX
Product: Mortgage

I have appealed the denial of my loan modification with additional documentation and I even received an email confirmation from my single point of contact ( SPOC ) that Wells Fargo received my loan modification appeal with exhibits on XXXX XXXX, 2015, and yet I received a different letter dated XXXX XXXX, 2015 from that same SPOC that Wells Fargo received my loan modification appeal WITHOUT any additional documents. These boilerplate letters must stop and this intentional failure to consider additional documentation is exactly what Wells Fargo has been doing for years, despite the multi-billion dollar settlements and agreements not to intentionally lose documentation. 
Additionally, Wells Fargo Bank is attempting to collect a debt in violation of both TILA and RESPA, in accordance with Section 131 ( f ) of the Truth-in-Lending Act, 15 U.S.C. Section 1641 ( f ), and the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) and FDCPA pursuant to 15 U.S.C. 1692 to 1692p. ( See Attached QWR and TILA Demands to Wells Fargo Bank , N.A . ) Wells Fargo Bank must comply with my already served TILA and RESPA demands in order for me to effectively appeal the denial of my loan modification request as Wells Fargo Bank has issued a boilerplate " Proprietary Step Rate Modification '' denial letter without any details from which to understand the basis of their said denial, nor do they provide any documentation to validate that Wells Fargo Bank , N.A . actually owns the debt. 
Specifically, I am in dispute as to the identity of the true owner of this debt ( if any ) Wells Fargo Bank 's authority and capacity ( if any ) to collect on behalf of the same. I am also in dispute about the proper application of payments from the debtor to interest, principal, escrow advances and expenses ( in that order of priority as provided for in the loan instruments ) ; about Wells Fargo Bank 's use of automatically triggered property inspections and broker price opinion charges and fees based on undisclosed accounting for purported arrears ; and about legal fees and expenses that have been attached to my account but that have not been otherwise explained, disclosed, or established to myself. 
To independently validate this debt, I need to conduct a complete exam, audit, review and accounting of this mortgage account from its inception through the present date. I would like Wells Fargo Bank to validate this debt so that it is accurate to the penny. 
I also request that the Consumer Finance Protection Bureau kindly conduct its own investigation and audit of this account since its inception to validate the debt Wells Fargo bank currently claims I owe them as Wells Fargo Bank has blatantly violated the CFPB 's rules and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing some fraudulently obtained information from my credit file, but there is still something I provided along that has to be removed or banned. Credit Bureaus are required by FCRA section 605 to remove any records that are on an ID THEFT REPORT. I am including this report again since I proactively remembered it from a previous correspondence. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$0.00} NCB ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX CO ) XXXX Balance XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

RE : XXXX XXXX XXXX XXXX, FL XXXX To whom may concern I am writing to you in regards to the actions taken by Mankin Law Group against me.

Mankin Law Group intent to collect an alleged paid debt of {$570.00} and added some other illegal fees.

I believe that these companies have violated federal law and filed an illegal lien against my property. 

On XX/XX/XXXX, I sent a cease and desist letter and an affidavit of truth to Mankin Law Group, pointing out all the federal laws they violated against me, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I asked them to send the account and return it to the original holder XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX which is my XXXX XXXX XXXX. Despite this, on XX/XX/XXXX, I received a letter from them attempting to collect the debt again. Not only did they violate the cease and desist letter, but they also filed an illegal lien on my property. 

I was owing a balance to my home owner association of {$210.00} for the assessment due on XX/XX/XXXX, and a quarterly assessment of {$280.00} due on XX/XX/XXXX, plus a late fee of {$50.00}, totaling {$570.00}. On XX/XX/XXXX, West Haven HOA received the check on my behalf of {$570.00}. Not only did they cash it, but they continued to tell me that the account is with a lawyer- debt collector and they can't give me any details. 
This is a big mistake on their part, as they had no right to cash the check if they did not have the account.. This is a clear violation of federal law and a clear indication of their lack of good faith in dealing with this matter. 
I also sent a letter to XXXX XXXX XXXX asking for the contract of the XXXX XXXX, but they ignored my request. I have all the letters and certified mail signed by these companies when they received all the documents and requests I had. 
Therefore, I am issuing this letter to demand that Mankin Law Group, and XXXX XXXX XXXX XXXX take immediate action to rectify their actions against me. I demand that the lien on my property be removed immediately, and the account be returned to the original holder. I would like these companies to show good faith in this matter by expediting the securing of the alleged information listed in mankin law group site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity thef since the fair debt collection practices act is intended to secure my right to privacy and my privacy has been breached. 

Please contact me as soon as possible to discuss this matter further. 

I also contacted the Office of Attorney General XXXX XXXX XXXX of Florida. 

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

I am filing this complaint against Wells Fargo for the unauthorized disclosure of my personal financial information from one account to XXXX XXXX XXXX XXXX XXXX. This disclosure included XXXX  specific transactions and the status of my account, shared without my explicit consent or prior notification. This action constitutes a breach of my privacy rights as protected under the Privacy Act of 1974 and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) . I wish to formally opt out of all credit reporting activities conducted by Wells Fargo and seek immediate resolution to this matter. I also demand compensation for the damages incurred due to this breach. Enclosed are relevant documents supporting my claim. I expect Wells Fargo to conduct a comprehensive investigation into this incident and take necessary corrective actions to ensure such violations are not repeated.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$2400.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : - {$2000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX XXXX  # XXXX : Balance : {$7000.00} Account Name : XXXX XXXX XXXX XXXX : Balance : {$36000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  : Balance : {$25000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$24000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$14000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$10000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$7400.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$3000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$630.00} : Date Opened : XX/XX/XXXX Account Name : XXXX : Balance : {$630.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX Balance : {$0.00} : Date Opened : XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have disputed the attached account with Equifax as not belonging to me. I have contacted the collector and the original creditor who are unable to provide me with any proof of the validity of this collection. Equifax supposedly verified information several times, but they are unable or unwilling to provide me with proof of method of verification for over 60 days. This is a fraudulent collection that Equifax refuses to remove from my report and also refuses to show me proof of verification.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I wanted to inform all parties that in the last XXXX ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and Disclosure, 623 A1 Responsibilities of the furnisher of information. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] FINAL NOTICE I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

Please delete the following inquires : XXXX XXXX XXXX, XXXX XXXX, XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of certain fraudulent accounts and inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I recently discovered that I was a victim of a data breach, leading to unauthorized entries on my credit report. 
The fraudulent account and inquiries are as follows : Account XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Please reopen and reinvestifmgate with a new fresh set of eyes my still unresolved and outstanding claim of {$300.00} missing out of my account taken from wells fargo. I have attached new evidence of my claim from XXXX reflecting what I have stated all along that XXXX was not paid by wells fargo as biased LaTorie quotes they were in her attached response to my second claim about this stolen money. I would appreciate someone new investigate this as I have provided new evidence of my statements. Wells Fargo is conducting unfair and bad practices. Please address this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from XXXX, XXXX, and Equifax Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

I have been i victim of identity theft, i have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX All accounts are associated with this address. I have tried to get these ftaudulent accounts removed from the bureaus, but they just wont do it
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a medical debt on my credit report, as it is a clear violation of the recent amendments to Regulation V under the Fair Credit Reporting Act ( FCRA ). The CFPB 's final rule in XX/XX/XXXX prohibits the inclusion of medical bills on consumer credit reports. Therefore, this information must be immediately removed. 

Details of the Disputed Item : Creditor Name : XXXX and XXXX XXXX Phys Account Number : XXXX Date of Medical Debt : XX/XX/XXXX Amount : {$950.00} According to the amendments to Regulation V finalized by the CFPB in XX/XX/XXXX, medical debts can no longer be included on consumer credit reports. The amendment was specifically designed to prevent medical bills from unfairly affecting consumers ' creditworthiness. 
By continuing to report this medical debt, your agency is not only violating the Fair Credit Reporting Act ( FCRA ) but also the updated Regulation V requirements. 
Requested Action : I respectfully request that you : XXXX. Immediately remove the medical debt from my credit report in compliance with Regulation V as amended. 
XXXX. Conduct a reinvestigation of this account and provide a written response confirming the deletion of the disputed information. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Please consider this letter as a formal dispute under the FCRA and the updated Regulation V. I expect a response within the 30-day period as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

USA Funds/XXXX continuously report delinquent payments that fluctuates month after month from 90 to 120 to 190 back to 120 days when the account is paid/closed. Before the account was closed, during the time of the late payment dates, I was approved for loan rehabilitation and was making monthly payments on time. These inaccurate late payments are drastically affecting my credit score. I have reached out to USA Funds on different occasions about these inaccuracies and was informed that these late payment statuses could not be changed. I 've also disputed these inaccurate late payments with all 3 credit bureaus and received 'account verified ' after an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit report. I have contacted transunion on multiple occasions and they refuse to help even though their servers where compromised. I was informed by FTC to file here to escalate and have the following inquires removed as I have not gained anything from them except loss in score and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries where replaced on my XXXX in batches by XXXX illegally without my concent . I did not include factual inquiries. Please without discrimination delete these erroneous inquiries according to FTC GUIDELINES as soon as possible.
Product: Mortgage

I reached a Loan-to-Value ratio of 78 % back in XX/XX/2022. Since then, Standard Mortgage has continued to charge me for Private Mortgage Insurance, despite the fact that it should be automatically removed once my XXXX reaches 78 %. I continued to be charged every month till now. My current LTV ratio is 73.6 %. 

I have asked them to review my account for PMI removal, but Standard Mortgage makes it difficult to initiate this review by not handling it immediately over the phone and requiring me to send an email. This email, XXXX, is not published anywhere on my online account portal. 

There is a deceptive pie chart on the online portal which tells me that I still have 82 % of the " loan amount '' remaining. This is misleading because it makes it seem like my LTV is 82 %. However, the LTV should be calculated against the value of the home, not the value of my loan after downpayment.
Product: Credit reporting or other personal consumer reports

My account with WEBBNK/FHUT was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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 XXXX XXXX XXXX XXXX  XXXX XXXX, and Chapter & Bankruptcy Reference # XXXX have 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: Debt collection

Presser and Presser, XXXX has threating me to collect money from me when I do n't own them nothing. Along with XXXX XXXX XXXX XXXX, Pressler and Pressler has now even filed for wage garnishment when I owe XXXX amount to their such client. I request federal government to strong action against the firm and suspend their license. In fact, XXXX County Special Civil Court has been the reason as well, if they did their job correctly, consumers like would have suffered to this injustice. There was article that you have sued Pressler and Pressler LLP based on many consumer complaints against the law firm.