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

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Early Warning Attn : Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Early Warning, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a DC resident. In Washington DC, DC residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

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

1 ) The last payment on this Debt is noted as XX/XX/2017. It is past the statute of limitations and should be removed from my credit report. 

2 ) I do not recognize this debt and I have submitted a FTC report attached as well. I am a victim of identity theft and I filed a police report that is notated on the FTC report. Additionally, my identity was stolen in the Equifax data breach and the XXXX data breach. I also was notified by the IRS that my identity may have been used to fraudulently seek employment. Please remove this debt from my credit report.
Product: Checking or savings account

My Money Market account which I have maintained for over 40 years as a XXXX XXXX was closed by Regions Bank without prior notification or adequate explanation. This unexpected closure without any forewarning left me without a satisfactory reason or an opportunity to address any underlying issues. Despite the bank having my current contact information, without giving me any forewarning via email or online banking they chose to send a closure check to an outdated XXXX XXXX XXXX XXXX, XXXX that has not been in use for years. As a result, I did not receive the check. Upon discovering that my account had been closed, I requested that Regions Bank cancel the check, which they confirmed was done. 
When I contacted the Branch Manager at the XXXX XXXX XXXX, he insisted that I must visit the branch in person with my XXXX. Given my XXXX  in XXXX XXXX, XXXX, this requirement is impractical given the XXXX distance and the fact that I am XXXX XXXX XXXX. 
Despite multiple attempts to seek clarifications from the branch in the past months, the branch manager has only responded that my complaint has been escalated to the corporate office, yet I have not heard back from anyone. 
The Branch Manager has been reluctant to offer any alternative solutions for accessing my funds or transferring them to my XXXX XXXX  account. 
I have correspondence and documents related to this issue. 
I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit card or prepaid card

Two charges were made to my account. None were authorized by me. Contacted multiple times to different departments and the bank. Nothing was done. Slap in the face. Im not paying for something I never bought or received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my information updated on my credit report. I have reached out to XXXX. TransUnion, & XXXX. They have not updated anything in over 90 days. I have even tried to resolve this through the furnisher with no help. I just want my information to be updated and they fix their reporting errors.
Product: Mortgage

As if today XXXX XXXX I already made my mortgage payment for the month of XXXX. 
But when I woke up this morning I was in shocked because when I checked my bank account I saw that theres 8 pending mortgage payment of {$2400.00} totalling {$19000.00} from Mr Cooper. 
I didnt authorize that payment.
Product: Debt collection

Real Time Resolutions ( RTR ) was sending me statements for years, every time with different amount on it. Lately I was trying to finally call and resolve it.

-RTR is presenting themselves as a Mortgage Company ( No mortgage License in NY State ) .After inquiring about their license I received a letter that they are a collection company .FDCPA violation. ( letter attached ) -RTR Collecting a Debt that is 12 years old. Statue of limitation is passed 6 years already .FDCPA violation -RTR cant prove that they owe the debt or that debt were assigned to them.FDCPA violation -RTR doesn't stop mailing statements even after validation, disputing and exchanging about 8 letters .FDCPA violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly remove the late remarks immediately. 
XXXX XXXX XXXX XXXX Balance : {$22000.00}
Product: Mortgage

Specialized loan servicing, services my loan. 

XX/XX/20 I requested and was granted the forbearance plan on my loan, end date XX/XX/20. 

XX/XX/20 I received a letter from SLS about my Forbearance plan. It didn't reflect the Cares Act passed by XXXX. 

XX/XX/20 I requested and received an extension on the forbearance plan, end date XX/XX/20. 

XX/XX/20 I received a letter from SLS about the forbearance plan. It didn't reflect the Cares Act passed by XXXX. 

XX/XX/20 I received a letter confirming who the current note holder are on my loan. 

XX/XX/20 I requested ( by letter ) that my Forbearance plan reflect the terms and conditions as the Cares Act passed by XXXX on XX/XX/20. 

XX/XX/20 I received a letter from SLS stating only that " The account is currently participating in a forbearance plan ''. 

XX/XX/20 I received a letter with instructions for " Mortgage Assistance '' I also received a letter with a " Relationship Manager '', XXXX, Teller ID ( XXXX ) I also received a letter with possible options. Including but not limited to : Refi with another lender Loan Mod Repayment plan None of which properly answered my request. 

XX/XX/20 I received a call from SLS stating that my Forbearance plan has been extended until XX/XX/20
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 
The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. 
Notice, Congress said ANY card. 
The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 
They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ). 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 
Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 
1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXXXXX XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Vehicle loan or lease

I requested a loan from the bank to buy a car, which I started paying on XX/XX/XXXX, on XX/XX/XXXX, my car was stolen, I started the process with the car insurance and they contacted the bank to find out how much my debt was to date to be able to make the payment and solve the problem with the insurance, when the insurance advisors told me the amount that the bank informed them that I owed them, I went to review the contract, the payments that I had already I made and the value of the interest, I realized that the amount that they are charging me of interest is not correct since they are going to be paid for the total value of the car at this time and I do not understand why they charge me the interest As if I were paying it in the XXXX years that the contract is, the value that they are charging me in interest is not correct since the time does not correspond to XXXX months, because is the total value of the debt going to be paid off this same month.
Product: Checking or savings account

Bank of America reorders transactions so that the highest amounts process first, regardless of when the transaction occurred. Because of this, I incurred multiple overdraft fees. The transactions were still " processing '' so I scrambled to take out a payday loan to cover the negative balance ( which was - {$93.00} on XX/XX/XXXX ). A deposit of {$250.00} was made at midnight, but that didn't make much of a difference. On XX/XX/XXXX, my balance was {$1.00}. I was reeling, as I had to take out a loan to cover the negative balance and then incurred {$140.00} in fees on top of that. This bank is stealing money from the public and should not use these unethical practices. I have tried multiple times to resolve the matter over the phone and after 3 phone calls, I was finally able to get ONE {$35.00} fee reversed. I have been a customer for over a decade and will be closing my account as soon as possible. I am absolutely disgusted with the way this bank operates.
Product: Checking or savings account

Please refer to my previous complaint # XXXX. 
Rather than resolving the issue - this adamant and customer unfriendly bank ( US Bank ) simply messed up this issue further. 
1 ) Neither I have online access.

2 ) Nor I am getting paper statement or any kind of notifications. 

Due to my relocation plus issues ( mentioned above ) when i reported this matter - CFPB did nothing. Moreover this bank took further advantage of this situation. 

Rather than helping me they escalated this matter more. 
I want my money back and immediate closure of this account. I want US Bank to pay for the return check fees also. 

If CFPB can not do anything or be a mute spectator - please let me know whom to reach out to?
Product: Mortgage

I have been in Covid forbearance for about 18 months. During this time, I was taking care of my elderly mother. She died in XXXX and I just had the funeral in XXXX. Due to all of this, I have not been working and unable to resume monthly mortgage payments. I asked Shellpoint Mortage for a modifcation ; specifically, for the lowest amount possible. Shellpoint said that I qualify for a Covid modifcation. They give me payments of about {$700.00} per month. I tell them that this is unaffordable at this point in time. I am in the process of getting re-stabilized financially and only bring in about {$800.00} per month. They said there is nothing more they can do. 

I only owe about {$37000.00} on the mortgage. The regular payments are about {$1000.00} per month. Surely they can lower the monthly payment amounts to less than {$700.00} ... at least temporarily. I have been in my home since 1998 and will be homeless if I can not work out an agreement with Shellpoint Mortgage. 

Any assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX who bought debt from XXXX XXXX XXXX XXXX. I have asked that all three credit companies investigate. Experian, XXXX, and XXXX. The debt has been paid. The account shows a XXXX balance. I called the creditor and they said they were not reporting it, it was up to the Credit Bureaus to take it off. They all have not taken it off. I dispute it and it comes back that it has been paid. I need for this to be taken off of my credit as a collection as it is no longer a collection.
Product: Vehicle loan or lease

I have an auto loan with Capitol One and its closed. I requested information about the debt. I asked for all documents regarding this account. I believe that the lending institution used the following forms, XXXX, XXXX and XXXX to pay for this debt through the Treasury department. I requested all documents just to ensured the debt is valid but they are giving me the run around. They ay they sent the documents to my house but its been 7 months and I have to receive anything. I call and requested a call back but they are not calling back. I really dont know what else todo the other option is to seek legal counsel. i believe they te violating my rights under TILA and the FCRA. I would like for you guys to assist me before I talk to a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days of their receipt. Unfortunately, it has been four months and I have not received any responses from these credit agencies. I am really confused and would like to know why I am not receiving a response as required by Federal Law?

Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS?

If my dispute was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via certified to the credit bureau?
Product: Checking or savings account

I was charge for overdraft with money in my account from navy federal or when I transfer from my cash app account.
Product: Debt collection

I have never had business dealings with credit bureau of bessemer.they have numerous of accounts on my credit report..i have disputed with the credit bureau but have came back verified
Product: Credit reporting

I have disputed a tax lien that has been released with all XXXX credit bureau and disputed them through credit karma ( tried to dispute through XXXX, but they are impossible to navigate disputes ) ... I also had disputed XXXX that was satisfied and removed, but still showing on my report..
Product: Credit card

PNC bank mailed me a physical letter advertising my pre-approval for a new credit card with a promotional bonus of { {$100.00} } upon meeting certain requirements. After meeting the requirements no { {$100.00} } bonus was received. I spoke to a PNC Bank ( 800 number ), the Branch ( both in person and on the phone ), then the their escalation department and then their department that oversees escalation to further escalate the escalation. They are aware of the offer, but state that I am not eligible to receive the { {$100.00} } offer because my wife with a shared checking account had previously received a bonus year ( s ) prior. I still have the mailed printed offer explicitly outlining the terms of the disputed offer, and it contains no terms describing that I would be disqualified. It does specifically state that, " If multiple credit cards are opened with the same primary borrower, only XXXX credit card account will be eligible for the {$100.00} offer. '' I have never applied for PNC Credit Card before so I should be eligible for the {$100.00} offer. 

If not for the bonus offer I would not have opened the line of credit which harms my credit score, affecting loan rates, and costing me time managing the credit line. Till this day, both my wife and I receive numerous PNC Credit Card Offers with bonus. If their rules had stated, WHICH IT DID NOT, that only XXXX credit card bonus per household may be eligible and given, then I would not have applied for the credit card. I believe this is false advertising among other things. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

3 Accounts have been opened in my name due to Identity theft. I have an alert placed on my credit file. I was sent an alert email when an inquiry was placed on my credit. I have contacted the company XXXX and the 2 accounts were closed immediately as well as an account with XXXX XXXX XXXX. I have also filed a police report. 

The accounts are in good standing and they report closed on my credit report however, Transunion has not removed the fraudulent accounts. 

I am requesting the 3 accounts be removed & an unknown/in authorized inquiry from XXXX XXXX on XX/XX/2018 XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted dispute with XXXX XXXX, and experian regarding collection on account XXXX XXXX XXXX XXXX XX/XX/18 and current results were that account was accurate how can it be if it wasn't fully investigated. I provided factual documentation to support reason to why the charges are inaccurate and that i am not responsible for debt today results for experian was completed and online but it would not let me dispute error on website unless there is something wrong with their system this needs to updated and deleted from credit report immeditely. i need adequate proof this is owed i want to know what XXXX XXXX XXXX  is providing you to say this debt is accurate have you contacted waterford grove original creditor regarding this account..did you get documentation from XXXX XXXX XXXX beside a lease and ledger car like they provided me. need answers how are you conducting your investigation do you have a team work on this or is this all generated automated .. did you even look through the lease and compare ledger does it align with the contract did you request additional supporting documents. did you request early termination addendum its no way you can say these amounts are accurate and correct to the best of your knowledge when i provided proof of a 60 day notice to management who agreed to let me out of lease she stamped and signed which doesnt hold me liable for amount requested. thank you please review documents
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, Equifax, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXX XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXX XXXXXXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, Equifax, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7.

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX XXXX internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.