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

In response to CFPB complaint # XXXX regarding account number XXXX XXXX XXXX stated " upon receipt of your complaint a thorough investigation was completed. I would like to know how your investigation was completed. 
XXXX stated " Statements were uploaded to the account online and can be viewed through our website or mobile app. Emails were also sent advising of the past due payments and that if the account went 30 days past due it would be reported to the credit agencies. I am unaware of such notice. And I also did not get a notice to opt of credit reporting. If such notice was sent I will need confirmation such as a certified letter with return receipt with a tracking number. I believe that the charges are inaccurate and I will need you to cease communication in regards to this alleged debt. ( see cease and desist letter attached ). I am aware of 15 U.S.C. 1692g ( a ) ( 1 ). allows me to request the amount of the alleged debt and how the amount of this alleged debt was calculated. Please keep in mind that this is only a request for validation of the amount of this alleged debt. Please be clear on where the debt originated, how it was calculated and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information. I am only requesting the alleged amount of this debt you claim I owe and how it was calculated. If for any reason you can not provide me with this information I will need XXXX XXXX to clarify this as a billing error. Also keep in mind that the account should be updated to PAID AS AGREED. 
I am aware that the reporting of negative information to a consumer reporting agency is a direct violation of 15 U.S.C 1681s-2. 
I never gave consent for XXXX XXXX to report any negative information to any consumer reporting agencies, and be aware that AGGRAVATED IDENTITY THEFT CARRIES A TERM OF 2 YEARS OF INPRISONMENT. 
Any payments made to this account shall be returned immediately. 
Best regards XXXX XXXX.
Product: Mortgage

I have been affected by Covid 19, Request help with my mortgage from Carrington Mortgage and they put me in a forbearance. My forbearance ended XX/XX/XXXX, as soon as it ended I sent the documents for the mortgage assistance. I sent Carrington all the paper work they requested but a foreclosure sale date was set to sale my house. Spoke with XXXX XXXX XXXX dept. XX/XX/XXXX he said the foreclosure sale date is still on hold not canceled yet underwriters are still working on the COVD-19 modification. He transferred me to XXXX the Supervisor. XXXX XXXX XXXX she stated the foreclosure date for XX/XX/XXXX will stay on hold until the modification is complete. I told her of the last conversations with XXXX XXXX ID # XXXX stated Supervisor XXXX XXXX XXXX XXXX said it shouldn't be on there and will be canceled said to check next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had two accounts with XXXX card one dating back to XXXX and one dating back to XXXX. Since, I've had these open accounts with XXXX bank I've never had any delinquencies, no late payments or missed payments and have had a good relationship with this bank. I've gone through my XXXX, TransUnion, and XXXX credit reports and I've noticed incorrect information on my report concerning these accounts where XXXX this account has a late payment on XXXX in XXXX and XXXX that's been opened since XXXX had a late payment marked in XX/XX/XXXX that was 30 days. These are inaccurate, false reporting claims that they are making on my report which is severely impacting my credit to where I am unable to go for a mortgage. As a member of XXXX Bank and I still am for 5+ years this is very concerning and I'm very upset to be a victim of this.
Product: Credit card or prepaid card

When Goldman Sachs Bank USA purchased XXXX XXXXXXXX XXXX  sponsored XXXX XXXX from the last owner ( XXXX  XXXX? ) and started conducting business as " Marcus '' sent a flyer promising {$25.00} bonus " earnings just by stetting up your account and confirming your profile. '' See Ex " 1. '' we immediately did that on their new Website " Marcus. Com. '' Every time we called Customer Service, they promised that the bonus earnings credit will be paid within 90 days. That 90 days has been over nearly 2 years ago. We have not received the advertised bonus earning of {$25.00}. 

We want response in writing -NO TELEPHONE CALLS.
Product: Credit card or prepaid card

I received a XXXX XXXX XXXX XXXX in the mail on XX/XX/2022 that I never applied for. I called the company the same day and was informed of 2 charges totally {$9600.00} on the card. These charges were made for rent in XXXX XXXX  state and I live in XXXX. I told the company that I did not apply for the card. A fraud investigation has been started and Wells Fargo is " researching possible unauthorized transactions ''. I have also filed a police report with the town that I reside in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once  identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, this creditor has violated my rights. 
I am writing to dispute inaccuracies on my credit report and to address a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

-Privacy Violation under 15 USC 1681 : Section 602 of the FCRA guarantees my right to privacy concerning my credit information. I have not given written authorization for any entity to access or report my credit information. 

-Violation of Written Consent Requirement under 15 USC 1681b ( a ) ( 2 ) : This section of the FCRA stipulates that a consumer reporting agency can not furnish a consumer 's credit report without my written consent. I have not provided any such consent for the furnishing or obtaining of my credit information. 

-Unfair Treatment of Payments under 15 USC 1666b : This section of the FCRA prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose. It appears that my account may have been inaccurately reported as being late, which is a direct violation of this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about a dispute submitted to the 3 major CRA 's on XX/XX/XXXX in regards to accounts fraudulently opened in my name. I am a victim of identity theft and did not open these accounts. I also am a victim of the XXXX XXXX XXXX 2008 data breach. State issued Drivers License were compromised and my social security was also compromised. I am not responsible for any charges made to these identified accounts or inquiries that were made by the thief, as the accounts were opened fraudulently.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlight int significant issues with the platform. Despite using Zelle many times and reporting discrepancies my financial institution and zelle failed to investigate my claim adequately. They informed me that removing lost funds is impossible and that tracking these funds was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Debt collection

Complaint to Midland Funding, LLC and subsidiaries Complaint to Midland Funding, LLC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Midland Funding, LLC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I have explain several times to company, about account ID Theft, I denied account not mines company continues molesting me and forcing me to account that Is not mines Company list account transaction, thats no proof, they are using my social security number in letters company sends to me, in the event letter ends in other hands due to Midland Funding LLC and subsidiaries I will have another ID Theft issue due to them someone got my private information that is what happen, company is cooperating that my private information leaks and they will be responsible, they are informed. 



I denied account, MCM Account number XXXX ( XXXXXXXX XXXX account number ending in XXXX ) Find enclose XXXX XXXX XXXX XXXX Account number XXXX Original account number XXXX ID Theft report was filed an sent to your company, your company continues harassing and causing me damages in addition to court matter. 
On letter dated XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX, Refering to MCM no. XXXX which belongs to account ending in XXXX ) and other account XXXX. .find attached letter Additionally, we have made the business decision to close the account, There will be no further collection activity or sale of this account Both accounts mentioned on your letter MCM Account number XXXX original account number XXXX And account XXXX. 

Send me a confirmation letter as for each of the accounts 1- MCM Account number XXXX ( XXXXXXXX XXXX account number ending in XXXX ) and for account XXXX. 
There will be no further collection activity or sale of this account, Please dont XXXX me anymore in Court or any other means, I DENIED ACCOUNT XXXX, Account not mines and account XXXX. 
I sent letter on XX/XX/2022 XXXXTo Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX AS of todays date XX/XX/2022 you have ignore my correspondence to delay matter purposely and cause me more problems .find attached letter Im requesting your company to withdraw case from XXXX XXXX XXXX XXXX court case number XXXX, Within XXXX business days from this complaint You have been also sued by Consumer Financial Protection Bureau on XXXX for violations an ill-gotten gains. find enclose page Your corporation has continue molesting me and picking on me I denied accounts, ID Theft report Issue, stop the collection of both accounts, Midland Credit Management MCM Account number XXXX Original account number XXXX and account XXXX. 

Please I request to have this case completely withdrawn as ASPA I want this complaint to be publish for consumer safety Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquires on my report that were not authorized by me from the follow companies, XXXX XXXX XXXX  XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX please delete these inquires they are not mine. I am compelled to demand that you provide communication exclusively through printed letter. Please contact me about this inquires in writing, to me at home. If this reasonable request can not be met, this may indicate XXXX XXXX XXXX, Experian disregard for consumer protection statutes.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ADDRESSES ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor are the addresses on file listed are mine Please remove them.
Product: Mortgage

I should not have been sent to collections from Penny Mac. I was going through a refinance on my house at the time and everything was paid off on time. Even when I emailed Penny Mac they agreed, so why they sent me to collections is beyond me. It was transferred from Penny Mac to Solidify through XXXX XXXX.
Product: Credit card or prepaid card

SYNCHRONY BANK - Synchrony financial care credit Contacted Synchrony bank to make payment on credit card bc I lost credit card. Company charged me late fees and interest when I can not even login to account using credit card number. 
Company proceeded to charge me more late fees and interest on charges which I could not view online or make payment towards. 
Violating customer rights to view bill before making payment. 
Asked collections service manager to remove late fees and interest to no avail XX/XX/2019. 
Still can not login using account number to view transactions. Fraudulent practices by company costing customers money when they can not even login online to view profile and associated charges.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have the rights under 15 USC 1681. 
XXXX XXXX, and Transunion govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because accounts According to 15 USC 1681 : Ihave the right to privacy and I did not give XXXX written permission to furnish these accounts. 

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

I recently disputed outdated credit profile items with Experian through CFPB and some items were not removed. According to the credit bureau procedures if a delinquent debt is over 7 years old with no payment then it show be removed from the credit profile. 

Its seems as if Experian chose to validate that the debt was indeed due opposed to removing it from credit profile due to the length of time its has been delinquent on my credit profile. Therefore, I am requesting again to have these items removed from my profile. If Experian believes that these items don't qualify to be removed, then I request to have proof of payment, including but not limited to bank account and routing number of transaction, date of transaction, amount of transaction, ach authorization code of transaction and/or copy of personal check submitted for payment submitted to my attention. 

If this information can not be provided, then I wish to have this information removed immediately.
Product: Debt collection

I was never notified via mail regarding the collection from XXXX XXXX XXXX in the amount of XXXX. Credence Resource Management Account # XXXX. On XX/XX/XXXX, I filed a dispute to XXXX that I was not the owner of the debt. The disagreement came back that it was upheld and debt is accurate. On, XX/XX/XXXX, I received an envelope in the mail with copies of the past due bills from XXXX XXXX XXXX which shows that the account was set up by a different person and address where I have never resided. I spoke to a rep at Credence Resource Management and was told that I need to file a police report to dispute the amount,
Product: Credit reporting or other personal consumer reports

I have submitted an FTC Identity Theft Affidavit, Report Number : XXXX, to report five fraudulent accounts listed on my Experian consumer FICO credit report, as well as 3 addresses that I do not recognize. These accounts are the result of identity theft and fraud, stemming from the XXXX data breach in which my information was compromised. The XXXX XXXX XXXX for verification of these fraudulent accounts is XXXX. The addresses in question are XXXX XXXX XXXX, XXXX, FL ; XXXX XXXX XXXX XXXX, Fl ; and XXXX XXXX XXXX XXXX XXXX XXXX, Fl. The fraudulent accounts involved include a charge card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as well as accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a personal loan account opened at XXXX XXXX. 

These accounts have led to multiple fraudulent hard inquiries and collections appearing on my consumer FICO credit reports. I request the immediate removal of these fraudulent items from ALL of my consumer credit reports, and I demand that all collection activities related to these accounts cease, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/1963 XXXXXXXX XXXX XXXX XXXXE : Request for Investigation and Correction of Discrepancies on My Consumer Credit Reports Dear Sir/Madam , Upon meticulous examination of my consumer reports, I discovered reported late payments and charge-offs on certain accounts which, to the best of my knowledge and recollection, have always been paid punctually. This information is, therefore, inaccurate, and I am writing to request urgent rectification.

Under the Fair Credit Reporting Act, Consumer Reporting Agencies are entrusted with the significant responsibility of maintaining the utmost accuracy in reporting consumer information. To that effect, any discrepancy in my credit report is not only misleading but also breaches the mandates of the FCRA. The negative items that are listed have been updated due to the CFPB Breach. Please remove it immediately.

This is in violation of code 15 USC 1681 i.

Should you not be able to furnish substantial proof of these late payments, I hereby request compliance with the FCRA and Truth in Lending Act ( TILA ) guidelines, that these late payments be amended to reflect their true status ( On Time ). This is imperative as I have never, to my knowledge, been late on these accounts. 
Please remove this account and update this account immediately as you are in violation of several laws under The Fair Credit Reporting Act. 

Thank you, XXXX XXXX
Product: Debt collection

I received a medical collection debt on my credit from XXXX XXXXl from 2015. In 2015 my XXXX and I were on XXXX. It doesnt look like they ever submitted this claim to my insurance. I can provide them with that information if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry on my credit report on XX/XX/23 from American Express. I have never applied for an American Express card, therefore this must be fraudulent. On XX/XX/23 I received an email that say " Your credit card is approved. '' But again I have never applied nor have an American Express card. 

I have already alerted the credit bureaus that was told I need to first file a police or FTC report or else the inquiry will remain.
Product: Mortgage

As I was impacted financially by the COVID-19 pandemic with losing income to my Family, I contacted Wells Fargo and requested assistance with delaying my mortgage during the process. They agreed to delay the mortgage for 3 months and at that time I would be able to see if I qualify to have the payments moved to the end of the loan or be responsible to make the entire 3 months missed payments at once. 

I contacted them and requested to move the payments to the end of the loan as I would not be financially able to make the payments all at once. Instead, I am able to make the XX/XX/2020 payment so essentially, I will only be 2 months payment behind at this point that I wanted to add to the end of the loan or spread out over 24 months. 

In the beginning when they placed me in the payment forbearance, they stated that they would not report the loan as late or charge any late fees. Although this is correct, they have reported the loan as in forbearance which has also had a negative impact on my credit report for all three reporting agencies, XXXX, XXXX and XXXX   have all received notice from Wells Fargo to place the comments, " In Forbearance not making payments '' which has impacted my credit score will all agencies by 20 plus points. This is very bad business practice and I feel they are exploiting the loop holes in the Care Act to allow for these mortgage options for those in need and there is little  we have as consumers to do about it. 

Now, I am planning to resume payments
Product: Checking or savings account

On XX/XX/2023, I learned that for two years, my husband and I have been receiving 0.3 % interest on our XXXX savings accounts at Capital One. This is despite Capital One 's well publicised increases in savings rates over the past two years. On XX/XX/2023 ( and still today ), Capital One shows their savings interest rate as 4.3 %. Yet, they have given us only 0.3 % They have only one type of savings account ( there is a kid 's checking/savings and a CD but only one savings. ) My concern is that Capital One is paying its older customers a lower rate than new customers for the exact same savings accounts. This is highly concerning. We lost out on approximately {$20000.00} in interest. We have over {$500000.00} at Capital One. 

On XX/XX/2023, I wrote to XXXX XXXX, XXXX of Capital One. His office responded that they can offer any accounts they want and they can not help me. No explanation about the 0.3 % rate or why it was not published anywhere on their website. 
I would appreciate any help the CFPB could provide to recover lost interest.
Product: Mortgage

After reviewing your postal mail letter I get the feel that I might not have explained things well enough. The XXXX XXXX policy dated XX/XX/XXXX that I originally sent you ( you can check the attachments online ) and you sent back to me has a legal description that is not anywhere close to the deed 's legal description. Outside of the wrong location the policy that you mailed me does NOT call out the seconds the policy contains only the degrees and the minutes and has no seconds in the legal description which means that the accuracy of the insured location without seconds means that the subject property could be several house away or even several blocks away. I attached the XXXX policy I picked up at the XXXX XXXX office in XXXX XXXX on XX/XX/XXXX and that policy also shows only minutes and degrees with no seconds meaning that the location could be blocks away from my house. In addition the legal description on the deed is very different. 
I looked all over and finally found the legal description page from the original purchase title policy and the legal description matches the deed. I remember getting a phone call from XXXX XXXX who asked me to locate the title policy and call him back. I located the policy and called him back and he told me to destroy that copy because it will cause confusion and faxed me another copy on XX/XX/XXXX. XXXX went as far as calling me back and asking where the page was and I told him in was in the garbage and that I should tear it up and I told him that I would tear it up. I grew suspicious when I hung up the phone and took the page out and put it aside, so there is the original. I am not sure if you are aware of the phone tampering and caller ID spoofing, call interception and voice impersonation I have been subjected to but it is clear I am being embezzled and I get the feeling that my problems started when I bought the house. Please take a look at all three attachments and PLEASE send me back a copy of the title policy with the insured location with an acceptable legal description that includes the degrees, minutes and seconds.