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

Over 15 years ago I took out a HELOC with XXXXXXXX XXXX Since then I XXXX XXXXXXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo close my account after 2 weeks be cause of a mobile deposit they claim was an altered check it was a STATE CHILD SUPPORT CHECK that I set up for. I took the check to cash at the bank it came. From the deposit cash with they lost then found all While having my account suspended the entire ordeal was not professional and lead me in to financial distress
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. 

Account name : XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these accounts 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> To Whom It May Concern, Subject : Request for Removal of Closed Account I am writing to formally redispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information submitted to the credit bureaus must be accurate, complete, and verifiable. 

The following closed account appears on my credit report and has discrepancies that warrant removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account fails to meet Metro 2 compliance standards for one or more of the following reasons : - Accuracy : The account may contain incorrect dates, balances, or status that do not match my records. 
- Completeness : There is incomplete information regarding this closed account, which misrepresents my creditworthiness.

According to 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I request that this closed account entry be deleted from my report within 30 days. If this matter is not resolved satisfactorily, I will consider taking further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for your prompt attention to this matter. 

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

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Inaccurate Names : XXXX XXXX, XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents XXXX days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. 

Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. 

This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within XXXX days. Your failure to do so violates these requirements. Additionally, the XXXX Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX  XXXX .... Balance : {$670.00} XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYERS NOT RECOGNIZED FREEPORT MINE 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Subject : Dispute of Medical Debt and Request for Cease of Communication Dear [ Collection Agency Name ], I am writing to formally dispute the validity of the medical debt that your agency is attempting to collect from me. I would like to emphasize that I did not sign any contract with your agency, and therefore, I do not owe any payment for the alleged debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you cease all communication regarding this debt immediately. Furthermore, I urge you to remove this debt from my credit report as it has significantly impacted my ability to lead a fulfilling life and utilize my credit due to the negative item you have placed on my report. 

I would like to bring to your attention that the information relating to my medical debt, including the billing details, is protected by the XXXX XXXX Portability and Accountability Act ( XXXX ). This legislation ensures that my medical information remains confidential and is not shared without proper authorization. Therefore, any disclosure of this information to your agency is a violation of my privacy rights. 

Moreover, I have taken the necessary steps to cc the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) to ensure that they are aware of the ongoing dispute and the inaccuracies present on my credit report. I have been diligently working to rectify these errors, as they have caused significant distress and have negatively impacted my financial opportunities. 

It is imperative for your agency to understand that I have not entered into any contractual agreement with you regarding this medical debt. Therefore, any attempts to collect payment from me are unjust and unwarranted. I request that you provide me with documented proof of this debt, including a signed contract or other legally binding evidence that establishes my liability for this obligation. 

I implore you to thoroughly investigate this matter and take immediate action to remove this inaccurate information from my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that all reported information must be accurate, verified, and not misleading. 

I expect to receive written confirmation from your agency within the legally mandated XXXX period, acknowledging the receipt of this dispute and providing me with an update on the actions taken to address this matter. 

Thank you for your immediate attention to this dispute. I trust that you will handle this matter with the utmost professionalism and resolve it promptly. 

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

I have 2 credit cards that are inaccurately not reporting positive history on my credit report. This is negatively impacting my score as I currently do not have positive payment history and new accounts to create a credit score. I am requesting the following accounts to be updated and reflected on to my credit report : 1. XXXX XXXX XXXX XXXX opened XX/XX/22 for {$200.00} with Exceptional payment history that is not reporting. 
2.XXXX XXXX XXXX XXXX opened XX/XX/22 for {$200.00} with exceptional payment history that is not reporting.
Product: Debt collection

Sure, here 's a structured explanation you can use, incorporating the relevant law : -- - **Subject : Request for Removal of Account Due to Data Breach and Violation of Privacy Rights** Dear [ Credit Reporting Agency / Williams & Fudge ] , I am writing to formally request the removal of an account related to Williams & Fudge from my credit report due to a violation of my privacy rights stemming from a data breach.

**Background and Legal Context : ** 1. **Data Breach Exposure** : I believe my personal information, including sensitive financial data, was exposed during a data breach involving Williams & Fudge . As a result, my private financial details may have been improperly accessed or disclosed, which violates my fundamental right to privacy. A data breach of this nature is not only a breach of trust but also potentially a violation of multiple legal protections designed to safeguard consumers. 

2. **Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681** : Under the FCRA, specifically 15 USC 1681 , individuals have the right to expect that their personal information will be handled with the utmost care and accuracy by entities that report to credit bureaus. If an account or collection item is the result of a data breach or improper access to your personal information, it is considered inaccurate and unauthorized reporting, which can lead to harm in terms of credit scoring and personal privacy. 

3. **Violation of Privacy** : The exposure of my private information through this data breach is a clear violation of my privacy rights under both state and federal laws. When a consumer 's data is compromised, the consumer may have grounds to dispute the legitimacy of any resulting debts or collections that are reported based on this breach.

4. **Right to Dispute and Remove Inaccurate Information** : In light of these facts, I am exercising my right under the Fair Credit Reporting Act to dispute the accuracy of this account. Since the account with Williams & Fudge resulted from a data breach, and my personal information may have been improperly used, I request the immediate removal of this account from my credit. 

Thank you for your prompt attention to this issue. 

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

On XX/XX/2019 I filed dispute with Equifax that 5 of my accounts were listed wrong on my credit report and on XX/XX/2019 I get and alert that my Equifax score dropped 20 points. The only thing listed under changes were the disputes that I filed. I use XXXX XXXX and when I called Equifax customer service they said it was because XXXX XXXX runs 30 to 45 days behind on their information but they had my complaints that I filed from just three days earlier and no other changes are noted. My complaint is why does my credit score drop for just trying to correct bad information and only drop with Equifax.
Product: Checking or savings account

I have been trying to access my deceased wifes XXXX XXXX XXXX sense XX/XX/XXXX from Bank of America. I went to Florida where the account was opened when we lived there with no success. Finally, on XX/XX/XXXX I was told by the XXXX XXXX unit all my request information have expired and to send them the letters of administration and they would get back to me right away. They gave me a reference number : XXXX. 

The safe deposit box was opened XX/XX/XXXX and I have know idea as to what the contents are. We moved to Pennsylvania in XX/XX/XXXX.
Product: Checking or savings account

I open an account saving a checking with USSA and insurance policy auto and rental. I was given a price and provide all the document they requested. I have an honorable discharge and provided everything the military issuse to prove your status and they refused to accept my documents and closed my accounts. Two months later they made a transition on my credit card to collect a payment. I didnt give them authorization to take money since it was closed. They have failed to reimburse me for money and still have not gave cause for denying me service. In spite of them having all the documents proven I was a veteran and they still refused to accept it. I want my account reinstated and full amount refunded back to my account.
Product: Credit reporting or other personal consumer reports

Radius Global XXXX are unlawfully reporting derogatory information on my credit report without proper authorization for {$2900.00}. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. Radius Global XXXX has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction with this third party debt agency and I will also be filing other federal and state complaints against Radius Global XXXX. I need proof of my identity also. I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report.
Product: Mortgage

Good afternoon. I'm writing to you today, with the hopes that you will assist me with the finalization of my permanent loan modification. My trial modification plan was completed, after I made my final payment, XX/XX/XXXX. 

Caliber Home Loans has NOT completed the final modification and I've spoken to them on XX/XX/XXXX and today, XX/XX/XXXX - each time I've called, I'Ve been told a different story - that they were waiting for escrow analysis, that they were running title and lien, Etc. 

All of this is supposed to be completed during the final month of my trial modification plan and, as of now, my wife and I are extremely concerned that it will be completed.
Product: Payday loan, title loan, or personal loan

This is now the 2nd time this has happened. The first time I wanted to make a double payment so I processed my initial payment then set a secondary. The company canceled out the secondary stating that the system thought it was in error. OK fine. 

This time my payment due for XX/XX/XXXX I attempted to make payment. That payment on XX/XX/XXXX confirmation # XXXX for XXXX came back returned NSF. When I received the notice from my bank XX/XX/XXXX I immediately scheduled another so that their system would not kick it out. Their website showed it was still owed and not paid XX/XX/XXXX conf # XXXX this payment has not been processed again and my account online shows that there is no pending payment scheduled and that I am past due. These pay practices are creating more interest owed by keeping balances higher for a longer period of time. I want my payments processed and accepted as I pay them even if wanting to make consecutive multiple payments to bring down principal
Product: Checking or savings account

There were transactions made where I did not get product and I reached out about a refund but only got a Bot to answer no real person so I didnt get my money back.
Product: Credit card

Refer to the attached documents. I want the bureau to initiate an investigation into these accounts, as I am consistently on time, but they are reporting me as late.
Product: Checking or savings account

I want to sue Bank of America since because of them I was defrauded. 
3 days ago I sold a trailer to a guy that sent me a check, I cash out that check in my account and later on we decided not to do the operation. So he asked me to send him the money back and I did it through XXXX in 2 transfers. Those transfers were on hold by Bofa until I called them. I talked to their FRAUD DEPARTMENT and they double check if the check had funds before approving the transfers. The lady, dont remember her name but have to be the recording available, told me that everything was ok and that she was gon na approve the transfer. That was yesterday.

Today at noon, they took back the money from the check and Bofa doesnt want to be responsible for anything, since, if they would told me that the check can be reverse until 30 days and they can not guarantee the funds then I shouldnt send the money back to the guy.
And now im seeing that that scam is the first one on the list. So, how is possible a person that suppose to know more than anyone about scam was unable to think that was a scam? Was the point to have a bank account if they can't take care of my money?

Oh, today I was trying to make the report to them for HOURS by phone and I even went to the Bank Baranch and they were totally useless.
Product: Checking or savings account

The hotel charged my card without my permission. I checked out and went out of town for two weeks. I didn't owe the hotel XXXX but they charged me. I complained to navy federal in XXXX and still no results