23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Flagstar bank charged me an absorbent amount in overdraft fees on one charge that was paid back aside from about 50.00 - they closed my account with a negative balance of over {$700.00} and reported me to XXXX My current credit union is now threatening to close my existing account due to Flag Stars reporting. I have never been negative with my current bank, and had a very good history with Flagstar bank for many years. I am going through a divorce and the charge that hit the bank was caused by the other party. I am asking that the overdraft fees be waived and the negative reporting be removed from XXXX XXXX This has severely affected me.
Product: Debt collection

i asked for verification of debt certified mail to the collection company security credit services and in a return letter that they sent me there was not a copy of my E-signiture that validates this debt.im asking and request a copy of my E-signiture showing that this debt belongs to me, and if one can not be provided that it be removed off my credit report.enclosed is a copy of letter they sent me.
Product: Mortgage

I have a mortgage refinanced with Freedom Mortgage in XX/XX/2021 for 2.5 % fixed loan over 15 years. The company preceded with multiple escrow shortages notices. The last notice was received in the mail only 12 days prior to escrow overage payment due or I would endure mortgage increase. This is less than the contract required 30 day notice for changes in mortgage payments. When I had enough, I requested to have escrow account removed and I will be making tax and insurance yearly payments on my own to not have to go through the sudden choice to come up with the escrow shortage amount or have house note increased. Even when paid, my mortgage payments were raised to a lesser degree with explanation to avoid expected shortages or to make sure I have at least the required XXXX dollar amount in the escrow. 
I have since been bombarded with emails and have submitted for texts to be stopped- all regarding offers to get money to refinance. I do not recall this level of harassment from Freedom Mortgage prior to my current refinancing at 2.5 %. 
May main complaints are 1 ) The mortgage company did not provide contractual 30 day notice, by contract ( and I believe by law ) in order to allow time for me to come up with escrow shortage.

2 ) I am receiving frequent offers to get money to refinance. The interest rate likely will be higher.

3 ) I also receive letter notice my home insurance was going up with advertising for options with insurance. When I called my insurance, I was told insurance estimates had not been completed for the next year yet
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to rectify this matter, it seems that my concerns have not received the attention they deserve. The ongoing presence of this fraudulent account on my credit report is causing significant harm to my financial standing and reputation, and I implore you to take immediate action to address this situation. 
Account Details : XXXX XXXX XXXX This situation not only violates my rights as a consumer but also raises serious questions about the effectiveness of the credit reporting process. 
I understand that credit bureaus have a responsibility to ensure that the information they provide is accurate and up-to-date. The presence of a fraudulent account on my credit report not only damages my financial standing but also erodes my trust in the credit reporting system as a whole.
Product: Mortgage

I have applied for all Homeowner 's assistance programs that my lender has to offer. I previously was denied for a modification. The lender used the incorrect income amount. I am currently in escalations review and I have submitted supporting income documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX account Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 XXXX 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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and XXXX are classified as consumer reporting agencies, and I by definition am the Consumer. 15 U.S Code 1681 clearly states that I have a right to privacy. It also states the consumer reporting agencies can NOT furnish an account without my written instructions. XXXX, XXXX, and XXXX are in direct violation of the law and will be held responsible/liable for damages pursuant to 15 U.S Code 1681n. 
I am making this complaint against NATIONAL CREDIT ADJUST ( NCA ), for committing identity theft. I have never given NATIONAL CREDIT ADJUST ( NCA ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have not validated any alleged debt with NATIONAL CREDIT ADJUST ( NCA ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving NATIONAL CREDIT ADJUST ( NCA ) any right to collect on this alleged debt. 
I have never received any documentation requesting validation from NATIONAL CREDIT ADJUST ( NCA ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT ADJUST ( NCA ), can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT ADJUST ( NCA ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT ADJUST ( NCA ), continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT ADJUST ( NCA ), will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

UCCC 3.301 ( 1 ). 
The financing of an automobile by a bank was not a consumer loan transaction where the sales contracy and areree of the automobile taking security in addition to the purchased automobile. First XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Deficiency balance was not updated with me and reflects on my credit report as inaccurate the vehicle was a total loss and it creditor would have acted in good faith and did proper procedures of contacting me after vehicle was sold at auction my gap insurance would have paid for the remaining balance Im asking thats this debt be removed due to law. This is not verified information and contains eras that trigger violations of fcra and fdcpa. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX v. 
XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact XXXX XXXX XXXXXXXX XXXX XXXX these items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, I requested a credit report from Transunion. Without my knowledge or consent this signed me up for a $ XXXX/month 'credit monitoring ' program. I never signed up for this. Every month {$21.00} has been taken from my account for a service I do not use nor ever singed up for.

I spoke to their representatives who said they could only reimburse me for the past three months. Their emails went to my spam, and I didn't notice the {$21.00} charge until this month.

I can't imagine anyone would knowingly sign up for a {$21.00} monthly charge to 'monitor ' their credit report when they could just freeze their account. This is totally absurd and has cost me over {$500.00}.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXXCompany Information : _ - Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Address : _Complaint : _ I am submitting this complaint to request the removal of three late payments reported on my credit report for the XXXX XXXX XXXX XXXXXXXX account ( Account XXXX XXXX XXXX ). These late payments are inaccurate and are causing harm to my credit score. 

I have previously disputed these late payments with the credit reporting agencies ( XXXX, Experian, and XXXX ) and provided documentation to support my claim. However, the late payments remain on my credit report. 

I request that the CFPB take immediate action to mandate the removal of these late payments from my credit report. I also request that the credit reporting agencies update my credit report to reflect the accurate payment history. 

_Relevant Laws : _ - Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. 
- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
- Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028A - Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. 
- Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022
Product: Credit reporting or other personal consumer reports

I noticed there was an inaccurate account on my consumer report. I am not liable for this or any debt with XXXX XXXX XXXX XXXX  nor have I ever had a contract with XXXX XXXX account number XXXX. They can't provide me with a copy of the application of this debt proving my acknowledgment and commitment to the repayment of this debt like I have asked them for. 
Consumer reporting agencies assume a responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. I contacted TransUnion and asked them to investigate and remove the inaccurate account from my consumer report. 
That they are illegally reported and I requested specifically their alleged original application bearing MY signature. They have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX  Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( 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 XXXX business days after the date of receipt.
Product: Mortgage

Back in XXXX my late wife and myself started the process of trying to sell our house at XXXX XXXX XXXX  XXXX, XXXX WA XXXX ( owned XX/XX/XXXX through XX/XX/XXXX ). After a few months it was clear the only way the house would sell was with a short sale. We were told to " keep making your mortgage and 2nd mortgage payments because it will look better to Wells Fargo '' by a misinformed real estate agent and a Wells Fargo employee. As we were having an agent continuously submit multiple offers on the house to Wells Fargo for the next 9 months, they continued to deny any consideration of offer for a short sale- as we found out by XXXX of XXXX ( almost a year after first starting the process ). I was told by an employee of Wells Fargo when I called to find out why another offer had been declined. They said " As long as you keep making payments we have no inclination to accept any short sale offers ''. It was at this point that I reached out to my Congressman ( XXXX XXXX of Washington XXXX ) and his team found out that Wells Fargo had not been working in our interest to resolve our short sale as required by the conditions the government set out for the bank bail our in the previous years when the economy crashed ). We paid those mortgages for over XXXX  months through that process ( and the whole 8 year time frame of ownership with NEVER missing a payment or late until all this ) - all the while Wells Fargo was not working in our best interest - and only AFTER our congressman started looking into did Wells Fargo finally accept an offer - once they realized they were now having to answer to the government for their actions. This was all post-bank-bail-out. The reason I am submitting this complaint is to see if I am entitled to remediation for what we went through ( myself and my now-deceased wife ) because Wells Fargo did not work in our best interest - taking a toll on both mine and my late wife 's health and dragging the process out until our congressman looked into it. Wells Fargo even admitted to us they had no intention of helping up work out a solution UNTIL the government got involved. Please let me know. I appreciate you time regarding this process. Thank you. Please note all documents have addresses now out of date for myself.
Product: Vehicle loan or lease

I paid my account every month on time and had autopay set up. I have always paid and continued to pay even after my car was totaled and everytime I was asked to pay i paid. When it got totaled they told me to wait until the insurance and gap company paid so I know the amount that I needed to pay. Because it took so long because I was driving for XXXX and was online and the insurance company I had denied the claim and I disputed it again and then XXXX 's insurance ended up covering it. But there was a deductible of {$5000.00} which I asked do I need to pay it all? They said no just wait until the gap insurance pays. So I waited and then i get a call from a collector saying it was charged off when the entire time I told them I had the money to pay and they kept telling me to wait. Now I have a charge off on my credit when I have never had a mark on my credit ever. Please assist me in getting this fixed/resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this XXXX Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( 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 XXXX business days after the date of receipt.
Product: Credit card

I contacted American Eagle to get my balance owed to pay off the credit card and I was informed that I had a {$0.00} balance and I did not owe anything. Now I see that they are reporting this credit card as a negative item on my credit reports. I contacted telephone number XXXX.
Product: Credit card or prepaid card

I had 2 credit cards with Bank of America. I wanted to close one that I shared with my son. On XX/XX/2019 I called to close this account. The person I spoke to also tried to sell me a card with more points for travel which I declined. I was very clear on which account I wanted closed. 

I found out later that the person I spoke to closed the wrong account. I called Bank of America on XX/XX/XXXX and was told that they will reopen my credit card and it will take 2-3 business days for it to be reinstated. On XX/XX/XXXX I called again because I received a notice that BofA did a credit check on me. I spoke to a manager. He said he was filing a complaint to find out what happened. He assured me that I would not lose my XXXX points and it would take up to 10 days to reinstate my card. 

I believe the person I talked to did this on purpose because I did not accept the travel card. 

I received a letter dated XX/XX/XXXX that my card could not be reinstated because the terms for this account are no longer available. 

I am losing my credit card due to an error at Bank of America. 
I'm losing the excellent rate on a card that I've used for many years ( approximately 9 % ). 
This is impacting my credit score. 
I'm losing 41,000 points
Product: Credit reporting, credit repair services, or other personal consumer reports

Several unauthorized inquiries are being reported on my Credit Reports from XXXX XXXX. I have been had written communication with them regarding this violation and nothing is done except to continue to request more of my personal information. This is unacceptable to me has the company has my information and has run my report to my knowledge onXX/XX/XXXX and on XX/XX/XXXX. I also received correspondence stated they attempted and inquiry on XX/XX/XXXX. This was done once I already placed a security freeze. I want these items removed from all reporting agencies.