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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$990.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX Credit Card for continuing to report a charge-off on my credit report that is past the statute of limitations. This debt, last active on XXXX/XXXX/XXXX  appears to exceed XXXX statute of limitations for debt collection. 

The outdated entry is negatively impacting my credit score, hindering financial opportunities as well as buying a home. I have previously attempted to resolve this with XXXX XXXX, XXXX, Equifax, and XXXX, but to no avail. 

Under the Fair Credit Reporting Act, I request an investigation into this matter and the removal of this charge-off from my credit report if found non-compliant with state laws. 

Thank you
Product: Debt collection

Caller refused to identify themselves. used profane and threatening language. They threatened to get sheriff to arrest me and put me in a forced labior camp. used XXXX slurs.
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 XXXX XXXX XXXX XXXXXXXX has violated my rights. It was first inaccurately reported as a late payment for XX/XX/XXXX  and then reported inaccurate information and removed XXXX 's late payment and changed it to XX/XX/2023 inaccurate information. 

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, credit repair services, or other personal consumer reports

Fraudulent inquires by the following companies without my consent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Simple Bank closed and transitioned all customers to their parent bank BBVA USA. Transition failed and all Simple customers have lost access to their money except use of a debit card. Only support option is a phone number which is not answered. XXXX account said issue was resolved but most customers still can not access their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I became Aware of a problem pertaining a student loan that I havent ever applied for and I contacted the school which is Mohela on serval occasions was advised to by a supervisor to ask school to cancel the Promissory note which was never done I reported this to the FTC and I have been sending in documents with My signatures as well as talking with a supervisor name XXXX XXXX on XX/XX/XXXX recent documents that was asked of me and then was ask for the report that I made to the FTC and receive a notice of denial this isnt my loan Ive never been in California nor am I aware of this issue which has been a hardship on my life XXXX XXXX and have been since XXXX I had a XXXX a XXXX XXXX XXXX XXXX I would really appreciate if this would be taken off of my credit in the name of XXXX. Please help me trying to do something for my family and this is truly in my way I believe now whoever took out this student loan the school knows the person XXXX is the school I believe financed through Mohela in the amounts of & XXXX, XXXX and {$2.00}, XXXX which is truly Affecting my credit in the name of XXXX please help me remove these items off of my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate employment information keeps reappearing on my credit report. Transunion continues to display inaccurate information on my report. I told them repeatedly that the information is inaccurate and they need to remove it, but they never remove information. They never even investigated it. Repeatedly put on my credit report. I'm at the point where I'm ready to file a lawsuit. This I'd documentation for me that I have gone through all the proper channels and resources available.
Product: Prepaid card

I have noticed an unexpected charge that I did not make it was a result of fraud someone used my card to book a hotel in XXXX. I reached out to the hotel and they told me someone with a different name than mines used my card and book it under their name. I told them that my card number was compromise. I reached out to cash app and explain to them What happened. I file a dispute with my card issuer company cash app on XX/XX/XXXX. Cash app have not gave me any updates. They are telling me that they can not provide me with any information. I have spoke to several different people including a supervisor. No one will give me any information on what is going on they have not refund me the money that was taken off my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX, snd XXXX XXXX XXXX. Also please remove the following incorrect addresses : XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, XXXX, PA XXXX and XXXX XXXX XXXX, XXXX, PA XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Mortgage

My interest rate has been 4.75 % since signing closing documents and I requested for a lower VA 30 year fixed APR. I contacted LoanDepot and asked for a lower APR because rates have lowered however LoanDepot will not lower my interest rate of 4.75 %. 

My mortgage payment has been {$1100.00} however without notification, LoanDepot raised my mortgage payment to {$1400.00} - raising my DTI ratio and credit utilization. When I contacted LoanDepot they told me that they paid County Taxes and when I asked what dollar amount was paid to the County and when - no response from LoanDepot. I contacted the Chief Deputy of the Office of XXXX XXXX XXXX, Tax Assessor-Collector and was told that no payment was received from LoanDepot and LoanDepot has not provided me with any documentation showing what they paid to the tax collector. I am exempt from taxes, so not sure what LoanDepot paid however I would like my account refunded and returned to the original contract terms and conditions. 

Loan Depot also added {$120.00} in Hazard Insurance to my mortgage payments which was not a part of the terms of the contract. I told LoanDepot that the Hazard Insurance is my insurance policy with XXXX - something I pay out of pocket and I asked for my mortgage payment to be returned to it's original amount. 

I contacted the main office in NJ and I am getting the run around and having a lot of trouble with loan servicing, payment processing and my escrow account.
Product: Debt collection

I am hereby giving notices to XXXX XXXX XXXX XXXX and Lending Point LLC to Cease and Desist communication in regards to an alleged debt that is reporting onto my consumer report. 

The term communication Pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

Any medium includes any written, oral or electronic or any other medium. Furnishing negative information on my consumer report is a form of communication. 

This is a formal notice to cease communication through ANY medium including my consumer report as it is a form of communication regarding an alleged debt. 

This is a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and my reputation has in fact been ruined in regards to this negatively reporting.
Product: Debt collection

While reviewing my XXXX account I learned that Credit Control LLC, a debt buyer, accessed my credit report without my knowledge or consent on XX/XX/year>. They subsequently contacted me on XX/XX/year> trying to extort money out of me for a discharged debt that was identity theft, and I responded via certified mail that I had no contract with them and that they were to cease harassing me about debts that are not mine.
Product: Bank account or service

Bank of America stated I misused there account. There is no proof of that I was still trying to get my balance caught up and simply fell on hard times. Now that I am back on my feet due to lack of respect and discrimination I can not get a bank account. I would like proof of the alleged allegations. I never intended for the bank account to get closed my fianc a the time tried to send money to account and to no prevail succeeded. I tried to open a new account with regions only to find out Bank of America contacted early warning signs to put a alert out for me. I feel like I was profiled discriminated against and never was warren about the account being closed
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I dont understand how they got there. I review my report regularly, but this time, there were unexplained discrepancies. I refreshed my browser to see if it was an error, but the incorrect accounts remained. Due to this, I ask that the documents I provided be carefully reviewed to ensure that I wont have to deal with this problem in the future.
Product: Payday loan, title loan, or personal loan

I ordered something on XXXX XXXX XXXX XXXX on XXXXXXXX XXXX from affirm company was a scam they took out 3 payments so i stopped the last payment and now affirm is sending me charge offs after i told them that i never received product and the company they have listed is a fraud scam i keep getting the run around with affirm they said they favored in the merchant after investigation i dont know how they could of if i never received anything and the merchant XXXX XXXX  website and phone number is now disconnected my credit is good and now with a charge off its ruining the chances of me trying to buy a house right now all they keep saying to me is pay the payment that is fraud ive been so stressed out over this. Wanted to know what my next step is i can do ive tryed a few thingsfrom calling the fbi fraud they are a joke
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX # # # # # # # # # # # # # # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I got a loan from one main financial. When I got the loan they hard sold me all the insurance they had to back up their loan to me. Medical , road side assistance, XXXX and accidental death, and some dining club thing. It drove my payment up to XXXX well I put my car up for collateral. My car has almost XXXX miles on it. At the time I got this loan I was working XXXX jobs. I hit a deer in the end of XXXX .. long story short the insurance payed XXXX almost XXXX to fix my high mileage car. No motor work, just cosmetic. I had called XXXX main to try to drop the extra insurance on my loan and at that point they offered me another loan of XXXX that would have extended my original loan another year. I told them no thanks. I didn't need no more debt. At one point I had went in the office in XXXX and tried to pay my loan way down and they said I couldn't pay it there in the office that I had to go to XXXX. I didn't understand that so I let it go, and didn't pay the money I had at the time towards my loan. Long story short, I asked them to work with me and they said they couldn't drop the insurance. After I hit the deer I lost a job, had financial difficulties, have a nice looking car that isn't dependable, and have over the roof debt on my hands. I was told that they couldn't accept partial payments... I tried to file bankruptcy and got taken on that as well. Paid the all of their fees and all they keep telling me is we need more documents. That place was recovery law offices out of Indiana. I called one main financial today XXXX XXXX before filing this complaint to try yet again to solve this issue, was told the manager would call me back .. and she never did. All I want is to take care of this debt and some fairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance : {$130000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

In processing and deniying an loan modification, the servicer, in a complete lack of transparency, committed muliple mortgage servicing violations as delineated in the attached PDF. They further stated an appeal was not submitted and it clearly was by and through my office on behalf of our client.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Bank account or service

I have been hit with several exorbitant banking fees at Bank of America making it extremely difficult to keep my account current. When I attempted to speak with an associate at my local branch, she informed me that the branches and customer service agents use a tool that restricts the amount of money they can refund. I was given the number for overdraft assistance and spoke with several representatives who informed me that the bank restricts the number of refunds they are allowed to give. I have been charged with over {$1000.00} in fees - {$35.00} on ever single overdrafted purchase over the course of several months - making it very difficult to keep my account current and get on solid footing financially. I would hope these customer service practices and bank policies that are anti-consumer to the core will be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent via certified mail two rounds of letters to Experian on XX/XX/23 and XX/XX/23 and the accounts listed below still remain on my credit report and have not been fully validated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX
Product: Mortgage

Nationstar DBA Mr. Cooper has unethical accounting practices to attempt to mislead the courts when a client files a Chapter XXXX bankruptcy repayment. I have been attempting to resolve a matter related to an accounting error in a ledger Mr. Cooper shares with its local attorneys at XXXX XXXX since Fall XXXX. it appears that every three to six months this error in a ledger just continues to pop back at XXXX XXXX to increase fees and attempt to misleading everyone reviewing the finding. I have had to file several complaints with the Consumer Financial Protection Bureau ( CFPB ). Anyone reviewing the complaints will see that Mr .

Cooper has only provided attempts at misleading information to favor them. Just be advised this company knows which states to pull these misleading practices. Review fines paid to the CFPB over the last 10 years, It has been investigated and noted that the accounting system for Mr. Cooper does not accurately account for most bankruptcy repayment cases. See ledgers. 

If compared Mr. Cooper 's attorney could have this matter corrected asap. But it appears that misinformation and additional fees are what both parties want. I have provided receipts dating back to XX/XX/2019. Still, no one at XXXX XXXX or Mr. Cooper is willing to correct this error in accounting. Please compare the realigned ledger with the ledger emailed by XXXX XXXX. You will see that one incorrectly placed line in an excel ledger can cause cascading errors in accounting. 

It is important for all bankruptcy repayment plan clients to review their statements in fine detail for accounting errors and additional charges. 

Attachments : - realigned payment sheet - XXXX reply letter XXXX - XXXX XXXX XXXX ** Please note this response letter was sent to my attorney 's office after I requested the status of correction of errors in the ledger. ** Please review my complaints with CFPB for Mr. Cooper at least two have gone unanswered ( even after 6+ months ) and at least four other attempts to provide misinformation that does not compare with the audio recording of the Mr. Cooper bankruptcy department.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. 

This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. 

XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX many dispute attempts, I was unsuccessful in removing the duplicate accounts. XXXX is the only updated bureau. 

There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. 

If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which resulted in fraudulent accounts being opened in my name after my wallet, containing my ID and Social Security card, was stolen. Additionally, my personal information was compromised due to the XXXX and XXXX data breaches, which likely contributed to the fraudulent activity. As a result, the following fraudulent accounts were reported on my credit file : XXXX Bank ( Account # : XXXX ) Experian I have provided an FTC Identity Theft Report and a police report verifying the fraud. Under FCRA Section 605B ( 15 U.S. Code 1681c-2 ), these accounts need to be I am requesting that the Consumer Financial Protection Bureau ( CFPB ) ensure that Experian and XXXX comply with FCRA Section 605B and immediately block the fraudulent accounts from my credit report as required by law. Additionally, I would like written confirmation from each credit bureau stating that the fraudulent accounts have been removed blocked from my credit file within the required four-day period.
Product: Debt collection

They have not provided proper verification. You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately in a timely matter. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.