23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a charge-off appearing on my Credit report associated with the information the following Account Number : XXXX date of charge off 2023. also XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX XXXX XXXXXXXX the reporting of this change-off to Credit reporting agencies may be in violation of federal law, partticularly 15U.S.C. 1681. Specifically, I am requesting documentation showing that I was provided an opportunity to " opt-out '' of the sharing of my nonpublic personal information with non-affiliated third parties prior to this charge-off been reported to Credit reporting agencies or any other non-affiliated parties.

under 15 U.S.C. 6802, CREDITORS are required to provide notice and an opt-out option to customers before sharing nonpublic personal information with third parties that are not affiliated with the Creditor.I am requesting that they provide me with 1.Proof of Notice : Evidencethat I was given the required notice under 15 U.S.C.6802 [ B ] Beforeany such sharing occurred 2.Opt-Out opportunity : Documentation showing that I was giving an opportunity to opt out of this information sharing as required by law. if they can not provide this documentation, it suggests that they may violate my obligation under 15 u.s.c 6802 which governs the conditions under which nonpublic person information can be shared .additionally, the failure to provide such documentation would imply non-compliance with your information security obligation under 15U.S.C. 6801 which requires you to protect the confidentiality of customer information, swell as 15U.S.C.6803, which governs the disclosure of privacies to customers. Given that no valid documentation has been provided to me regarding my right to opt-out of this information sharing, I believe hat the large-off should not have been reported in the first place .and therefore, it should be removed from my credit report immediately.

I respectfully request that you : remove the charge-off from my credit report .CEASE ANY Further REPORTING OF THIS information TO NON-AFFILIATED THIRD PARTIES. 
.PROVIDE WRITTEN confirmation OF THE REMOVAL.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on the account with XXXX, account # XXXX. I was never late for these payments, and Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX, account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

As a preferred rewards member with Bank of America, I've received numerous offers for opening a Merrill Edge brokerage account. Funding this account with {$50000.00} makes me eligible to receive {$220.00} in incentive. I spoke to XXXX, and XXXX who said this was not in the terms and conditions. They we're representatives from Maryland, call back number was from XXXX at XXXX XXXX EST  on XX/XX/2020. I wish to have the terms and conditions and my account reviewed at an executive level, as this is false advertising and predatory.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On XX/XX/2023, CREDENCE RESOURCE MANAGEMENT , LLC contacted me by phone trying to collect a debt. I informed the caller to never call me again. CREDENCE RESOURCE MANAGEMENT , LLC is not legally certified to collect debt in Ohio. The caller asked where I seen that information but it was not given to him.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I am writing this letter to dispute the following accounts : Fill in accounts you want to be disputed, be sure to add the account numbers with each account.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per XXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act XXXX XXXX XXXX violations Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ] I AM NOT A CREDIT REPAIR COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : Chase Acct # : XXXX XXXX XXXX XXXX Re : 30-day late reported XX/XX/2018 Chase reported a 30-day late XX/XX/2018. My mailing address should have been updated. I have multiple accounts with Chase but somehow I did not receive my monthly statement. 

The Fair Credit Billing Act requires that any lender offering consumer credit send statements to the last address reported by the consumer at 14 days before the bill is due or penalties apply. This did not happen. 

Chase did not comply with the Fair Credit Billing Act and now is in violation of the Fair Credit Reporting Act by reporting incorrect information.
Product: Debt collection

Hello- My significant was supposed to be responsible for this bill. I found out after he moved out that he did not. I paid XXXX $ on XX/XX/XXXX. A couple days later I received a letter from XXXX that I could settle this debt. I paid the remaining XXXX to clear the debt and the payment cleared on XX/XX/XXXX. Now I get a another letter from Prince Parker requesting XXXX. Please send a letter that this has been settled in full and it will not report to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! Violation of Fair Credit Reporting Act. 
TRANSUNION XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
Product: Mortgage

Mortgage servicing violations Due to the increase of homeowners needing assistance this year, weve prioritized supervision of mortgage servicers. A recent review of our 2021 supervision efforts revealed certain violations, including : Charging late or default-related fees to borrowers in CARES Act forbearance programs. The CARES Act generally prohibits a servicer of federally-backed mortgage loans from imposing these fees while a borrowers mortgage payments are being deferred due to financial hardship caused by the COVID-19 emergency. 

Failing to end preauthorized electronic fund transfers. Otherwise known as EFTs, some servicers failed to end automatic electronic payments when an account had been closed, often resulting in additional and repeated fees when borrowers had insufficient funds in their banking account. 

Charging consumers unauthorized amounts. Our report found that, in some cases, mortgage servicers overcharged borrowers for services or added fees outside of their loan terms, including for home inspections and XXXX XXXX Opinions. 

Misrepresenting mortgage loan transactions and payment history in online accounts. Examiners found that servicers provided inaccurate descriptions of payments and transaction information, which may have misled borrowers.

Failing to review borrowers applications for loss mitigation options within 30 days. Examiners found that mortgage servicers violated Regulation X because the servicers didnt evaluate the borrowers complete loss mitigation applications and provide a written notice stating the servicers determination of available options within 30 days of receiving borrowers applications. 

Incorrect handling of partial payments. Servicers are required to take one of the following specific actions when they receive a partial payment from a borrower : crediting the payment, returning it to the consumer, or holding it in an unapplied funds account. Examiners found that, in some cases, servicers put these payments in borrowers escrow accounts rather than returning the amount or crediting it to borrowers next monthly payment. 

Failing to automatically terminate Private Mortgage Insurance ( PMI ) on time. For borrowers with PMI, servicers are generally required to automatically terminate those additional PMI payments once the mortgage loans principal balance is first scheduled to reach 78 percent of the original value of the property. Examiners found that in many cases the servicers data was inaccurate, and the PMI wasnt terminated in a timely manner. 

This company has not helped us to retain our home. 
Excessive fees.
Product: Credit reporting or other personal consumer reports

Attention : Experian I would like all of my unauthorized inquiries, my derogatory remarks, collections, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Child Support Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX  XXXX Filed : XX/XX/XXXX Type of Account : Credit Card Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Secured Loan Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Name XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Type of Account : Collection Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Name : XXXX  Date Filed : XX/XX/XXXX Type of Account : Charge Account Account Name : XXXX XXXX XXXX Date Filed XXXX XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX XXXX Date Filed XXXX XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX XXXX Date Filed XXXX XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX XXXX Date Filed XXXX XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX XXXX Date Filed XXXX XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX XXXX Date Filed XXXX XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX XXXX Date Filed XXXX XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX XXXX Date Filed XXXX XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX XXXX Date Filed XXXX XX/XX/XXXX Type of Account : Educational
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Disputed Capital One charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX charge off to be deleted from credit report XX/XX/2024 Disputed XXXX closed account to be deleted from credit report
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX seized XX/XX/2022by Wilmington Savings and XXXX  WFSB and sold at XXXX  sale XXXX/2021, alleged tax lien, amount approximately valued XXXX I filed for XXXX  to no avail, i was told the property estate had been sold
Product: Credit card

PayPal charged me a {$41.00} late fee. I have been a customer for years, have always paid on time, and have never had a large amount of outstanding debt with them. I have always paid on time and I promptly paid shortly after I saw the fee. This was entirely unnecessary.
Product: Debt collection

Dear Express Recovery, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2014. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I reviewed all three credit bureaus and noticed there was fraudulent activity on my credit reports and on XX/XX/19 I requested a security freeze, fraud alert be placed on each credit bureau. On XX/XX/19 I mailed 3 signed, certified dispute letters with Federal Trade Commission Affidavits to Experian, XXXX and XXXX XXXX paying a total of {$25.00} for the mailing fees. I received notification on XX/XX/19 that XXXX received the certified packet and its contents with the tracking number XXXX. On XX/XX/19 I received notification that Experian received the certified packet and its contents with the tracking number of XXXX. On XX/XX/19 I received notification that XXXX XXXX received the certified packet and its contents as well with the tracking number XXXX. Next, on XX/XX/19 I went to review all three credit bureaus and paid my monitoring website {$24.00} to refresh all reports and noticed that each fraudulent account was still on my credit and there was no changes on any of the credit reports. It is now XX/XX/19 and I reviewed my credit reports again and there are no changes. I have not received any investigation notes whatever and now I am reaching out to the Consumer Financial Protection Bureau to help me rectify this urgent situation. It has been well over 30 days as stated in the Fair Credit Reporting Act section 611. Additionally, I did send copies of the section 611 with all the certified packets to further support my case.
Product: Checking or savings account

I was supposed to receive my paycheck today, XX/XX/XXXX, which usually posts early on XX/XX/XXXX. And I also was expecting a separate transfer from my XXXX account to be posted today. 

In total this is about {$5000.00} that I am missing from Capital One. 

They only sent ONE email. It was sent on XX/XX/XXXX at around XXXX XXXX. That email stated everything will be running and fixed by the morning of the XXXX and that they were aware this was happening since XX/XX/XXXX. Since then, there has been no transparency, lack of actual updates, robot tweets going out with the same were sorry and no actual help! This is my livelihood!! I dont even know who to trust online with updates since some people genuinely like to lie online to stir up problems. 

I called the Capital One XXXX in XXXX FL & was told they havent even updated their support team accordingly, theyve just told them the same. I am now potentially going to be late on all major bills & I am facing a potential repo if my payment does not go through on Tuesday from my Lienholder. 

I am at a loss of words. I already struggle with XXXX  and depression, and today has caused me XXXX  to the point of shaking and crying. I do not normally complain but this is genuinely freaking me out!! They wont say anything!! Additionally this entire time their website has said ALL SYSTEMS OPERATIONAL. How???? I am truly suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my credit report and saw that I had 5 Inquries pop up on my XXXX  on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX and 1 on XX/XX/XXXX. Then on my XXXX  I see 5 Inquries on XX/XX/XXXX. I don't know where any of these inquires came from and they are affecting my report.
Product: Debt collection

I have received calls from this company in the past. Was told this was for a speeding ticket in Illinois over 7 years ago. Told them I have never been to the that county & told them to Never call my cell phone again. I received another call today from CCP at a different number told this rep I have told them multiple times I have no ticket or debt in their office and for the 3rd time not to call me again, The collector said she is calling for the State Attorney office and they can't stop the calls. Advised her I am a Collection supervisor & am aware of my FDCPA laws & violations. When told not to call Once I should have never received another call & will be getting the calls in their office pulled. I am requesting this company to Cease & desist all contact.
Product: Checking or savings account

I opened an account with Citizens Bank on XX/XX/2022. My account type was a Student Checking account, which has no monthly maintenance fee, and I signed up with a bonus, such that for a direct deposit of at least {$500.00}, a credit of {$300.00} would be posted within 60 days. 


I had a qualifying direct deposit of {$550.00}, as well as a personal deposit to start the account of {$50.00}, but later withdrew that money around XXXX to put in a high yield savings account. My Citizens account remained open, albeit at a XXXX balance. This was the case into late XXXX. 

Today, I logged into my Citizens account, to check on the potential bonus, and I saw that Citizens had closed my bank account. I called Citizens, and they stated that they closed the account on a XXXX balance because of potential monthly maintenance fees -- despite the fact that I had maintained a XXXX balance with them for over a month prior -- and due to not having an account with them, they could not honor the sign up bonus guidelines. Further, the sign-up email for a Student Checking account notes " no minimum balances ''. It is phenomenally outrageous to suggest any incorrect action taken on my behalf, when the selling point of the account was " no minimum balances '', and the closure conveniently occurred when I was due {$300.00}. 

At no point did any guidelines suggest that Citizens would close the account. Further, no guidelines on the bonus suggest that Citizens does not owe the money to me, if not in the account, then in the form of a check. 

I received no notice from the bank in advance of their adverse action, and likewise had no other transactions or changes to the account to allow them to void my account and nullify the bonus owed to me. Thereby, I believe I was treated unfairly by my bank, and have thusly contacted the XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Funds erroneously got credited an unintended receiver