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

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the XXXX whos initiating these disputes under my name. The following items are UNKNOWN to XXXX. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section XXXX Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX United States Code, imprisoned for not more th an XXXX years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( XXXX ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

Incorrect amount of XXXX dollars is being requested for payment as noted by equifax for fee amount and incorrect balance amount is being displayed. The correct amount for payment is {$30.00}, XXXX XXXX XXXX is supplying incorrect data to equifax reporting agency.
Product: Mortgage

To whom may concern, I have a commercial loan account with bank of hope since XX/XX/XXXX. It is 5yr fixed rate+5yr variable rate + lum sum full balance payment or refinance after 10 yrs. no penalty for early payment after 5yrs. 
And I have been paying monthly mortgage on time for 6 year now. Due to the sky rocketing mortgage rate these day, I have paid the majority of the principal amount in XX/XX/XXXX to decrease the interest amount on my principal balance. 
however the monthly bill and the monthly interest amount was not dropped at all, and I kept receiving the same bill even after big payment on my principal. 
I called the branch to ask about the situation, but they just told me that the person who helped me with my loan is no longer in charge.
Product: Mortgage

On XX/XX/2022, I made two on-line payments to pay off my mortgage. The first payment was for {$57000.00}, which was just below the mortgage company 's policy limit of 95 % of balance for on-line payments. The second payment was for {$3900.00}. Both payments were accepted by the mortgage servicer and withdrawn from my bank account on XX/XX/XXXX. 

Mr. Cooper, the mortgage servicer, applied the second payment toward XXXX 's payment instead of principal only, and thereby made the {$57000.00} payment ineligible for processing because it exceeded their policy of allowing on-line payments for no more than 95 % of the remaining balance. 

After several calls and chat sessions ( all transcripts of chats have been saved ) with Mr. Cooper, I thought we had the problem resolved and the mortgage would be paid off.

By today, the payment should have been credited to my account. Since today is the fifth day after submitting the payments, Section 1639 ( f ) of 15 USC ( Truth in Lending Act ) should apply even if the payments are considered non-conforming by the mortgage servicer.

The payments have not been applied by close of business today. They still show as " unapplied funds. '' Adding insult to injury, Mr. Cooper took funds from my escrow account to make partial -- and early -- payment toward the XXXX payment. In other words, they are continuing to apply principal payments toward monthly interest when the loan should be paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not delete an account that has been forgiven. It is showing a derogatory status of owing a balance of XXXX. I have included a letter from XXXX XXXX  stating that not only was the balance that they are reporting is incorrect, but also that it has been forgiven. This is damaging to my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.
Product: Credit card or prepaid card

I had money withdrawn fradually by someone 30 minutes away while I still had my unemployment debit card in my wallet. Someone took out XXXX dollars out of my account and I reported it to Bank of America. They did not conduct an investigation and immediately closed the claim without due diligence. 

The money was taken out of my account on the XXXX of XXXX. I made a claim on the XXXX of XXXX, and I received a letter dated XX/XX/XXXX that my case was closed.
Product: Checking or savings account

XXXX XXXX has threatened to close my BUSINESS account after my entity has been with them for years claiming now my entity is high risk. They sent this letter out right after I filed a consumer complaint about excessive overdraft fees. This threat of closure is in direct connection because of the complaint. I have a right to complain about unjust charges
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 and again on XX/XX/22 ( us postal service certified mail receipt tracking number XXXX ) I contacted Experian to let them know they were still reporting inaccurate, unverifiable information on my consumer report. Due to their inaccuracy my ability as a consumer to extend credit has been damaged to a great extent. I tried to extend credit and was discriminated against and refused the following. 
XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX XXXX XXXX 

According to 15USC 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I put them on notice that I never gave consent to them to violate my privacy rights by reporting harmful information that is adversely affecting me. There is no law that says anything has to be reported by consumer reporting agencies. According to 15 USC 1681 ( a ) ( 4 ) a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and respect for the consumer rights to privacy. I asked for the evidence that the information they're reporting have been properly investigated with proof of the investigation methods. They're yet to show me one piece of evidence that coincides with the need of commerce for the consumer credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information you have reported to the credit bureaus regarding my account ( Account Number : [ Your Account Number ] ). Upon reviewing my credit report, I have identified several inaccuracies, errors, and potential violations of federal and state laws governing consumer credit reporting and billing practices. 

Disputed Information The following information is inaccurate and requires correction or deletion : XXXX XXXX XXXX XXXX XXXX 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 [ Additional inaccuracy, if applicable ] Legal Basis for Dispute Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Under the FCRA, you are required to conduct a reasonable investigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information. Failure to do so constitutes a violation of federal law. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e If this account has been reported inaccurately or misleadingly, it may constitute a false representation of the debt, which is prohibited under the FDCPA.

Violation of the Uniform Commercial Code ( UCC ), Article 3 Under UCC Article 3, which governs negotiable instruments, I have the right to dispute any unauthorized or improperly executed transactions. If the account in question involves a negotiable instrument, I request proof of the original agreement and a detailed accounting of all transactions. 

Violation of Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces federal consumer financial laws, including those related to accurate credit reporting and billing practices. I request that you comply with CFPB guidelines by providing documentation to substantiate the disputed information. 

Request for Investigation and Documentation Pursuant to the FCRA and CFPB regulations, I request that you : Conduct a thorough investigation of the disputed information. 

Provide me with copies of all documentation used to verify the accuracy of the account. 

Correct or delete any inaccurate, incomplete, or unverifiable information from my credit report. 

Notify all credit bureaus to whom you reported this information of the resolution. 

Notice of Potential Legal Action If the disputed information is not investigated and resolved within 30 days, I reserve the right to pursue further legal action under the FCRA, FDCPA, and other applicable laws. This may include filing a complaint with the CFPB and seeking damages for any harm caused by the inaccuracies.

Please send written confirmation of your investigation and resolution to the address listed above. I look forward to your prompt response.
Product: Debt collection

I was contacted by Credit Control , LLC dba XXXX XXXX XXXX, XXXX in reference to a debt owed to XXXX in XXXX  on XX/XX/XXXX. I responded the same day with a cease and desist letter informing them that I would prefer to deal with the creditor and not a collection agency. On XX/XX/XXXX, I received an automated call from XXXX XXXX XXXX requesting that I contact them.
Product: Credit card

On XXXX XXXX, XXXX, I purchased iPhones online with PayPal with {$1200.00} with the condition of 6 Months No Payments + No Interest. PayPayl forced me to use PayPal card ( please see attached invoice note ), because other credit cards icons were not available when they were clicked. I did not like to use PayPal card because I lost XXXX % award, which I could always got with other credit cards. I believe PayPal violate the law to force me use their card. 
Second, I had never received any bills from PayPal until XXXX XXXX. PayPal billed on XXXX XXXX for {$75.00} for interest and late fee ( please see attached bill on XXXX XXXX, XXXX ). On XXXX XXXX, I called PayPal on a recorded line about the extra charges. Their representative, XXXX ( employee ID # XXXX ), explained that my new purchase on XXXX XXXX, XXXX automatically voided my 6 Months No Payments + No Interests benefits. I could not agreed with it, because 1 ) I was not noticed of it when I did the second purchase ( please see the attached invoice ) ; 2 ) I never signed any paper to void the first purchase benefits ; 3 ) XXXX purchase should have not done any things about XXXX purchase. They were totally separated and not related. 
Third, PayPal did not send me the bills in XXXX XXXX and XXXX XXXX, why I was subjected to the high interests charge and late fees? On XXXX XXXX, PayPal representative, XXXX, and his supervisor, XXXX XXXX, claimed their evidence for having sent me bills was they did not receive the returned mails. Their explanation is not acceptable, because no returned mails are never evidences for mails were ever sent out. I did NOT lose mails from other senders. The possibility is almost zero to lose mails from a same sender for consecutively two months. I do n't believe PayPal did ever send me bills in XXXX XXXX and XXXX XXXX. Let me tell you, I always pay off my credit card bills on time. You can check my credit payment histories with XXXX XXXX, XXXX, XXXX, etc. for XXXX. 
I sent dispute claim to PayPal on XXXX XXXX, but unfortunately, they refused to make corrections. 
Based on my experience, I highly suspect PayPal systematically manipulated the system : First, forces customer to use PayPal card with the trap of 6 Months No Payments +No Interests, Second, voids the 6 Months No Payments +No Interests with the excuse of a new purchase ; Third, do n't send out for 2 months in order to produce high interest rates charge and late fee charges. I believe I am not the only victim of their manipulation. I seriously request your authority to investigate my case and to stop PayPal wrong doings. I also claim {$500.00} compensation from PayPal for 1 ) refunding my payment of interests and late fee ; 2 ) damaging my credit ; 3 ) credit card award which I lost when I was forced to use PayPal ; 4 ) my time looking for solving this issue.
Product: Payday loan, title loan, or personal loan

I purchased furniture from a store called XXXX XXXX XXXX XXXX XXXX- I have done this twice before and utilized their financing option. I have paid off both of those balances with no issue and decided to get my sister some furniture for her new home. Today, I was reviewing my credit and I figured I should be close to the end of my balance with American XXXX XXXX finance company ( XXXX XXXX XXXX. ) On my credit report, it shows I still owed XXXX so I logged into the account and found a balance of XXXX  XXXX left. I went through my automated payments are realized I have paid over XXXX XXXX to them with an additional XXXX XXXX left to pay. This would me my total payment to them would be XXXX XXXX! My original purchase was only XXXX XXXX!! I called pretty angry to find out what happened. They explained I signed a lease to own, of which I had no idea! The furniture store offered me 90 days interest free otherwise monthly payments to pay off the balance plus interest. No one told me I would be doing a rent to own otherwise I would not have utilized the program! This is robbery to charge a XXXX XXXX FINANCE FEE for a balance of XXXX  XXXX! I never signed up for a rent to own and would never have. This should have been retail installments- this is completely incorrect.
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Recovery Solutions Group XXXX XXXX Wy, XXXX, DE XXXX Re : XXXX XXXX XXXX : XXXX Dear Recovery Solutions Group : Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and anyone else, concerning any and all alleged debts you contend I owe. 

My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner as well. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Consumer Financial Protection Bureau and the Maryland 's Attorney Generals office and civil claims may be pursued. 

Thank you for your cooperation in this matter. Attached to this complaint is also a dispute letter, and a notice to furnishes. Your corporation with the FBI, CFPB, FTC is greatly appreciated. The proof you've sent over isn't sufficient according to the standards set-forth. The document shows it was signed in NY, not from there, nor never been there. The email on the application isn't even real, doesn't have a XXXX report anywhere. The bank statements also come on, that's my husband 's name he only has a XXXX  account, no lender should ever take XXXX. This actual business didn't even generate any revenue, or even open up because he's mentally XXXX for XXXX XXXX. The ID scan, that's not my actual ID it was lost about 2 and a half years ago. If any WRITTEN COMMUNICATION IS NECESSARILY NEEDED PLEASE ONLY SEND IT TO THE ADDRESS ON THIS LETTERHEAD! 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had a savings account with Capital one 360. Every year i log on to get my tax forms. the last actual transaction was XX/XX/XXXX, a withdrawal. The account was there to accrue interest for me. That is what savings accounts are for. XX/XX/XXXX I logged on to close the account so I could transfer to another account. The account was closed. Capital One and NY State took my money in XX/XX/XXXX. I had to file unclaimed funds. Which in itself is absolutely ridiculous, but now NYS is saying that it is going to take 90 days for me to get that money back because they are backed up. Well if they didn't steal everyone 's money they would not be backed up. I need that money. My mother is XXXX in Florida, if there is an emergency I need to be able to access those funds. There was no notification at all.
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. 

1. Account name : XXXX XXXX XXXX account # XXXX 2. Account name : XXXX XXXX BANK 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 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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Hey, IC SYSTEMS I'm reaching out regarding a clear breach concerning the unauthorized reporting of information to my credit report, as validated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code Sections

392.301 and 392.305, and identity fraud laws, notably Texas Penal Code Section 32.51 . It's been brought to my attentio
n that IC SYSTEMS has proceeded with unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a non-negotiable prerequisite for such reporting activities under Sectio

n 1681b ( a ) ( 2 ). In addition to federal law, Texas state law, particularly Section 392.301 of
the Texas Finance Code, stresses the need for consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code lays out precise guidelines for the fair reporting of consumer credit information. Concurrently, identity fraud laws, like Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information.

I assert with absolute certainty that I haven't provided consent for IC SYSTEMS to report any information to my credit report. This glaring absence of explicit permission constitutes a flagrant violation of my rights, potentially damaging my creditworthiness and demonstrating a clear disregard for federal and state laws.

I demand, with unwavering certainty, that IC SYSTEMS immediately halt any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the specified 30-day timeframe will be seen as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I want to emphasize that obtaining consent isn't a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This isn't up for negotiation ; it's a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting. 

I look forward to your immediate attention to this matter and trust that IC SYSTEMS will swiftly address these egregious violations, honoring my rights under federal and state laws.
Product: Mortgage

In XXXX, My grandmother and conservator, allegedly gave Wells Fargo Bank a reverse mortgage on a property that was held in an irrevocable custodial trust, ( by order of a XXXX Judge XXXX for my behalf. When she passed in XXXX XXXX, I discovered that Wells Fargo had indeed placed a mortgage lien on the property. I contacted them XXXX XXXX to inform them that the property had been previously placed in a irrevocable protective trust and that my grandmother did not have the authority to remove the custodial property from the protective trust without the Judge 's order, nor had I signed away my interest ( indefeasibly vested ) in the property. In XXXX XXXX Wells Fargo through their attorney agreed to pursue a title insurance claim in lieu of foreclosure on the custodial property. In XXXX XXXX, Wells Fargo sent me notice of foreclosure by sheriff sale. In XXXX XXXX I filed a complaint with CFPB. Wells Fargo responded that they had no notice of the irrevocable protective trust on the custodial property. XXXX XXXX, I recorded the irrevocable protective trust on the custodial property and the deed transferring the property to the trust, and mailed a copy to Wells Fargo and all interested parties. I requested that they release their lien against the custodial property, since my grandmother did not possess title nor authority to transfer the custodial property to Wells Fargo. In XXXX XXXX, Wells Fargo set the property for Sheriff Sale without giving new notice. In simple, Wells Fargo is a attempting to foreclose on a property based on a mortgage that is invalid and fraudulent. They are well aware, yet they proceed with the foreclosure because they believe they can get away with it.
Product: Vehicle loan or lease

I took this loan out in XXXX for a XXXX XXXX XXXX XXXX. The amount financed was {$21000.00} or so. The dealership had charged me without my consent for gap insurance and a vehicle protection plan. I complained to the dealership and they refunded these fees but would not do so to me directly but to the finance company. This loan was paid in advance and most recently has been paid off a year ahead of time since the contract end date was supposed to be XX/XX/XXXX but has been paid off XX/XX/XXXX. This company has charged me all kinds of fees and has reported late payments to the credit reporting agencies when in actuality the account was paid ahead. This is causing a negative impact to my credit score and they have benefited from unjustified late fees that were charged to me repeatedly.