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

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
Product: Mortgage

Contacted mortgage servicer requested mortgage assistance XXXX until present. 
Requested financial information application mortgage assistance was sent to them several times. On my follow up with the servicer they always say they did not receive requested document. I have my conformation of when requested documents are received by them. I am being misled by customer service, my mortgage Servicer is intentionally not assisting.
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized Inquiries : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/ 2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to Wall Street in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a XXXX filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly XXXX SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I received a notification today that a collection was added to my credit report in the amount of {$740.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Product: Student loan

Navient holds my private loans. They have made it impossible for me to repay my loans in time and reported erroneous late payments. They cheated me out of lower repayment plans. They allocated my payments toward my interest and not my principle. When I was trying to pay the loan back, but was in economic hardship, they kept insisting that I do a forbearance, resulting in very high interest added to my loan.
Product: Mortgage

On XX/XX/XXXX, my wife and I sold our home. Our mortgage had been held by BSI Financial. To facilitate the close of the home, a payoff quote was obtained. I noticed that there was an " Unpaid Fees '' item for {$1600.00}. My wife and I never missed any payments and were unsure of the source of this fee. I contacted BSI and was told that this fee was for an appraisal done in XX/XX/XXXX for a partial release. My wife and I had looked into this and did authorize the appraisal, but ultimately decided to wait until we sold our home to split the land. 

The appraisal was done by XXXX XXXX in XXXX, UT. We were very impressed with them and paid them to do an appraisal in preparation for listing our home. We were charged {$450.00} for the appraisal. Moreover, BSI Financial 's website says appraisal fees run from $ XXXX {$550.00}. With these two bits of knowledge, I was confused about the {$1600.00} charge. Through email exchanges, all I was told by BSI was that the third party, XXXX, that facilitated the appraisal had charged them the {$1600.00}. I contacted XXXX XXXX and was told the amount billed to XXXX  was not that high. So, I contacted XXXX. They told me that on XX/XX/XXXX, BSI Financial approved a fee increase from the amount billed for the appraisal to the {$1600.00}. I was told that any further questions needed to be directed to BSI Financial.

Unfortunately, BSI Financial never responds directly to my questions and is never transparent. They would have known that they authorized this fee increase, but did not tell me about it. Furthermore, they intentionally chose to charge me, a faithful payer of my mortgage, more than {$1000.00} above what they were likely billed by XXXX XXXX, all for the purpose of making more money and taking advantage of me. I have provided this information to BSI Financial and informed them that I will get an attorney involved if they do not resolve the issue. I have not heard back from them as of the writing of this complaint.
Product: Checking or savings account

My Bank of America account was hacked for over {$4000.00} and they didnt honor the discrepancy or put the money back in the account instead they made me- {$2000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX bank XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. According to the law, you and the data furnishers must certify all aspects of required fcrametro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms.
Product: Checking or savings account

On XX/XX/XXXX a charge for {$4600.00} was made on our business debit card at BANK OF AMERICA. We had just gotten our insurance money on XX/XX/XXXX from a break-in. 

We filed the claim on XX/XX/XXXX so just over a week after the fraudulent transaction 's. BUT THIS WAS ONE OF THE REASONS WHY THE CLAIM WAS DENIED!!!! A WEEK! The person over the phone said that the claims department found that gap too long??? Its crazy that bank of America expects small business clients be checking our accounts everyday when we know we should have a account full of money? That's a quite ridiculous statement! Federal law gives 60 days to report fraudulent transactions I think 10 days is very fair! 

While checking my phone I had found that there was a malware installed that likely had remote access to my phone as well as a key logger this explains why all my emails were sent to trash and the fraudulent transaction was verified via sms. 
This also explains why " I logged into my online banking 17 times '' I DIDNT!!!!. I WOULDNT BE SUPPRIESED IF HACKERS HAVE HAD ACCESS TO MY PHONE FOR AGES!!. And just waited for my insurance money to deposit especially since they had access to my emails. And most likely were watching the conversation with me and my insurance company. It took me 10 days to file a report. But they said that I logged in over 17 times. Doesnt that by itself sound suspicious why would someone log in multiple times a day especially since that was essentially the only transaction its quite a XXXX accusation. Also one of the boa associates I spoke to said that someone also attempted to buy {$1000.00} worth of visa gift cards! But that transaction was denied? Why would you allow a XXXX transaction from an account that mostly does transactions under {$100.00} without temporarily restricting the account? When I had made a large transaction at XXXX  once XXXX closed my account and I had to go inside and vefiy it and only then did they reopen my account why would the bank allow a larger transaction go through but not a smaller one. Especially since both were from places our business never shops with. I would just like to have this resolved.
Product: Checking or savings account

On XX/XX/XXXX I received a call from my bank of America, and text message stating that my ATM card ending in XXXX had been compromised, and they will be sending out a new card in replacement, I spoke with bank on XXXX of XXXX, I was told that I could use card, till XXXX of upcoming month, in which I asked why, since its compromised why use, so I discarded it..in outside trash in a plastic bag ... 3 days later I received a letter from them stating the card would arrive in 7-10 business days ... during that time frame several transactions were presented, I only disputed those in that time frame, nothing prior ... so chip card may have been found and used during that time frame, after receiving a lretter from Bank of America , that the investigation was closed??? I never spoke to them during the process, they left a fast message and the return callback number, put me into voicemail questions ... whwere I left messages ... on XX/XX/XXXX a Saturday I received a letter stating I was to be charged XXXX dollars, due to the findings ... as in the amount of disputed charges ... they stated a merchant said they deliver product, I requested proof of this delivery, via a signature of receipt ... the bank lady said that was not normal??? they are intending to take XXXX from my account on XX/XX/2019 ... this is not proper, and im disputing..they did not give me any credits for fees I was charged by regular merchants I pay, due to having to change ATM card, and I am out adds XXXX in fees ... please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Follow-Up on Inaccurate and Incomplete Information in My Credit Report To Whom It May Concern, I am writing to address inaccuracies in my credit report and to request a thorough reinvestigation. Despite previous attempts to correct these issues, the inaccuracies remain unresolved, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Below are the provisions of the FCRA that I believe TransUnion has failed to adhere to : 1. Accuracy of Report ( 15 USC 1681e ( b ) ) TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of the information reported. These inaccuracies demonstrate a failure to meet this obligation. 
2. Description of Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) The FCRA requires consumer reporting agencies to provide a description of their reinvestigation process upon request within 15 days. To date, I have not received this information. 
3. Treatment of Inaccurate or Unverifiable Information ( 15 USC 1681i ( a ) ( 5 ) ) Information found to be inaccurate, incomplete, or unverifiable must either be deleted or modified promptly. This has not occurred with the accounts listed below. 

I request a prompt reinvestigation of the following 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 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 Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If these inaccuracies are not addressed promptly, I will have no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and considering legal action to protect my rights under the FCRA. 

Please provide a detailed response, including any corrective actions taken, no later than 30 days from the date of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I started getting letters from PayPal credit. I do not even use PayPal. Never had account with them. There is fraud on my credit report that prevents me getting stuff like this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX, sold away it's right to collect payment from me and service any account I had with them but they are still reporting an account on my consumer reports showing I still owe them money. This is fraud! Attached is proof my contracts/agreements with XXXX XXXX XXXX XXXX was sold multiple times and eventually deposited and securitized within a XXXX. Therefore, XXXX XXXX does not have a legal right to collect payment from me nor have an account in my name unless it is an account representing an amount THEY OWE ME. This is extortion according to 18 USC 892 since my reputation was harmed and they attempted to steal the vehicle by which they no longer had a legal claim to. Also, with the attached proof, the XXXX  and tax office removed XXXX XXXX as a lienholder on the vehicle title, therefore, there should not be any existing amount owed to XXXX XXXX.
Product: Debt collection

I recently received the calls from Diversified Consultants, today at XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They're looking for a person named XXXX, not me. I try to call back but they'll forward to automated message and I don't want to spent time to fool around with a scam liked call.
Product: Checking or savings account

I placed a wire transfer request with the bank. 
The bank confirmed that the wire transfer has been processed. 
The receiving bank ( XXXX XXXX XXXX  ) did not receive the funds from the wire transfer. 

Upon follow up trouble shooting with the sending bank ( Goldman Sachs/ Marcus Bank ) , they rescinded the transaction after the confirmation and returned the funds into the origination account. 

The bank personnel used bureaucratic double speak to justify this rerouting of the transferred funds. None of the representatives could understand the bank 's position well enough to speak to it. The managers that were brought in upon escalation had the same limitations in understanding the bank 's policy in locking the funds. 
The original representative from the bank 's wire transfer department understood the transfer request, processed it, and then verbally confirmed that the wire transfer had been conducted.
Product: Credit reporting or other personal consumer reports

Acting in good faith when submitting applications for services. 
My applications were denied, going against my rights.
Product: Checking or savings account

I put in a dispute with Wells Fargo and they cancelled debit card and was sending another card out which it was never received. I then tried to deposit my check to clear the XXXX over draft and noticed my account was closed I never heard anything back since the dispute on charges from another state that wasnt mine again no notice and no new card was sent. When I called that is when I received a email about my account.
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion, This is my XXXX  and final attempt to resolve my disputes regarding inaccurate, unverifiable, and incomplete accounts appearing on my TransUnion credit report. Despite my previous disputes, TransUnion has failed to conduct a proper investigation or provide any verifiable documentation to support the accuracy of the following accounts : Disputed Accounts : XXXX  XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXX XXXX  XXXX XXXX  - Account Number : XXXX XXXX - Account Number : XXXX XXXX  XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX Personify - Account Number : XXXX XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX As per FCRA 1681i XXXX TransUnion is required to conduct a reasonable investigation within XXXX  days and provide clear documentation verifying the accuracy of these reported accounts. To date, TransUnion has failed to comply with this legal obligation by either refusing to remove unverifiable accounts or failing to provide supporting documentation proving their validity. 

Additionally, I am aware of previous legal actions against TransUnion for failing to properly investigate consumer disputes and for providing inaccurate credit information. Your continued failure to comply with federal law leaves me with no choice but to escalate this matter further. 

If I do not receive a formal response with verifiable proof within XXXX  days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnions noncompliance. 
Report XXXX FCRA violations to my states Attorney General for enforcement action. 
Seek legal counsel regarding potential damages due to XXXX failure to investigate and correct inaccurate reporting. 
This is XXXX last opportunity to resolve this dispute. I expect a full and verifiable response, including any supporting documentation used to verify these accounts. If TransUnion can not provide sufficient proof, I demand the immediate deletion of all unverifiable and inaccurate accounts from my credit report. 

Failure to comply will result in legal and regulatory consequences. I look forward to your prompt resolution of this matter. 

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

To whom it may concern : I got an alert on my XXXX XXXX in where there was an application for credit for a XXXX XXXX. This application was submitted on XX/XX/2019. I did not submit or apply for a XXXX XXXX at that time. Once I realized this was a fraudulent use of my social security information I notified XXXX on XX/XX/2019. The customer service agent I spoke to stated he would notate it and that it was declined as the information from the application didnt match that what was on my credit report. I asked him to please remove the inquiry from my credit report when he stated I would have to write each credit bureau first so they could send an investigation request. I stated why couldnt he have it removed since the information was shown not to match what was on my file and that I called XXXX notifying that this inquiry was not authorized by me. I would like to have this inquiry removed immediately and each credit bureau notified this was a fraudulent application and unauthorized credit inquiry.
Product: Checking or savings account

They repeatedly gave him cards for my account and he refused to pay back the amounts he already took without authorization for a XXXX XXXX XXXX a XXXX dollar transfer another XXXX phone transfers several charges for a company called XXXX the bank wouldn't help me reverse them and the company he got the service through wouldn't refund it there are other charges I can't find the screenshot at the moment
Product: Debt collection

Several of the categories applied. They refused to return phone calls or allow me to speak with attorneys. They called after hours. Receptionist was abusive and hung up on me. They threatened to sue me and did on incorrect amount ofdebt. They refused to negotiaye reficed amount or payment plan. They repeated phone calls after hours. They did not respond to written requests
Product: Money transfer, virtual currency, or money service

Been trying to make a withdrawal from my account. Can't get in contact with no one. And my money is just sitting and I can '' t get it out my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is using my student loan interest to negatively affect my overall credit score. My student loan interest is increasing because I'm on an Income Based Repayment plan and I am not paying enough to cover interest. Equifax has decided this interest should be calculated as a negative available balance on my installment loans as if I've overdrafted the accounts. This negative available balance hurts my overall credit utilization and is bringing my credit score down. 

I have perfect payment history. 

This is a recent change I've only noticed this month. Previously, my credit score was not affected by my student loan interest.
Product: Credit card

XXXX XXXX XXXX the account was open on XX/XX/XXXX current balance XXXX the account is close from a charge off and it is written off ( XXXX ) last it update is XX/XX/XXXX the account was sold to Resurgent Acquisitions LLC