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

whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, {$1100.00} Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX, and Equifax show XX/XX/XXXX High Credit : XXXX is reporting {$1100.00} and XXXX show XXXX, and Equifax show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Date of Last Active : XXXX show XX/XX/XXXX, XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to Metro 2 Guidelines it MUST be delete. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail.
Product: Debt collection

A representative from Northeast Resolutions has repeatedly called myself and my family members. They ask my family members to call XXXX and say that this is an urgent message - during the call, they intimidate my family members, use incorrect information, and have called my family members multiple times over the past few days. The representative has called me numerous times and left intimidating messages threatening to come to my home.
Product: Credit card

I have had my TJX rewards MasterCard through Synchrony Bank since 2011. During that time, I have never missed a payment and always pay my card off in full, usually twice a month. This month they accepted my payment of over {$1400.00} but placed a hold on my card so I could n't use it. I called, they said the hold was for 6 days and could n't be released. On day 6, I called again, and they extended the hold to 9 days. Why I asked why, they said it was because I made to many payments that were too large. They also said they could hold my payments for as long as they wanted for any reason, or no reason at all, and there was nothing I could do about it. I am so angry that they can just take my money and then tie up my card when I have never missed a payment, or done anything that could be considered irresponsible in my history with this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seterus, was sold it was not in foreclosure it was sold on a short sale this needs to be corrected.
Product: Credit card or prepaid card

CHASE WELCOME BONUS OF XXXX POINTS ( DETAILS ATTACEED ) LETTER SENT TO CHASE AND RESPONSE EMAIL TRAIL ALSO ATTACHED Dear sirs I applied for the Chase XXXX card and was approved late XXXX XXXX This card came with a XXXX point welcome bonus with a minimum spend requirement within 3 months. This was the only reason that I applied for this card. Because of significant mail delays at that time ( acknowledged by Chase in the accompanying email stream ) I received the card only on XXXX XXXX XXXX. I was also advised that I will be receiving a more secure card which can be tapped instead of inserting or swiping. I was also waiting for this card which arrived in XXXX XXXX. I made my first purchase on XX/XX/XXXX and my last purchase was on XXXX XXXX XXXX I fulfilled all the requirements by spending {$3000.00} within 3 months. As seen from the attached email stream, Chase refers to a fictitious end date of XX/XX/XXXX. I have repeatedly pointed out to them that I can not use the card till I physically receive the cards ( tap and non-tap ). The email stream will show how our correspondence was like two ships passing in the middle of the night without seeing each other. There is acknowledgment that there were mail delays at that time which made me receive my card on XXXX XXXX XXXX It is also very evident that I met the spend requirements within 3 months. I have attached the necessary proof to show this. Yet the Chase response has been in the form of canned correspondence. I am sending this email to you because of the lack of understanding of the Chase team responsible for addressing this issue. 

Please help me to resolve this issue. I have closed my Chase money market and checking accounts till this issue is resolved Yours truly XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I went to Marina Finance XXXX XXXX XXXX XXXX XXXX SC .I showed my DL and SScard i told them that I didn't have an account and they are reporting to XXXX .that I have I asked to have it removed and they told me that it could not be removed although they admitted it was not my account .when I asked why the woman got really nasty with me with a real attitude. All that I wanted was an account that is not mine removed from my credit report
Product: Debt collection

Received a phone call today from XXXX Pre Litigation services explaining to me I was being sued for a debt from 2008, I asked for proof of the debt in writing, I was given a email with generic information for a company that I don't even remember having a credit card from. I was then told I could settle today and if I didn't settle I would be going to court. I explained I needed to actually investigate the debt and have been given XXXX hours to investigate and then after they would move forward with serving me a law suit. They had my address yet wanted to give me only today to pay a settlement that I honestly don't remember, in 2008 I was XXXX to XXXX so I have no idea about this debt as I have never seen this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX on Saturday, XX/XX/XXXX informing me that there was a hard inquiry on my TransUnion credit report from XXXX XXXX XXXX XXXX. I had never heard of this bank nor did I request credit from them. 

I contacted TransUnion by phone today ( XX/XX/XXXX ) and they confirmed the hard inquiry on my account and said I should contact the FTC to file a complaint and have the hard inquiry removed from my account. I called the FTC and was referred to XXXX where I was then transferred to this website.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXXXXXX XXXX XXXX XXXX {$1200.00} Had no choice but to be admitted because of life or death situation. 

I refused help but was given it anyways Goodwill deletion. 

XXXX XXXX XXXX Goodwill deletion Affected due to Covid-19 as well as the motor went out
Product: Credit card

Ask XXXX XXXX for a settlement in both credit card that I had with them because I have been faced with a financial hardship since XX/XX/year>. XXXX card was in a settlement with in time payments until XX/XX/year> when the hardship began. I battled with them for months even making complaints about being in a hardship and not being able to rectify our payment relationship. I also attempted to make another settlement on the other credit card and they refused to come to a settlement agreement that would be suitable to fit my hardship and also stop me from having the card go to charge off or collections. While fees and lates charges accrued. Navy Federal credit union could have took my hardship into consideration because of our past relationship and helped me to pay off the debt so that I would not go into any further debt, collection or be hit with more fees and they refused to come to an agreement that would be beneficial for the both of us. They are fully aware that I am unable to agree to this settlement and it come months after I asked for help. This is the first attempt they have made to settle on either debt. I have been the person reaching out for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report in XXXX and noticed a collection item. Called the collection company listed on my credit report and they stated the account is a joint account. I informed them this is Fraud. They stated they would send me a record and never provided anything. I submitted complaint to XXXX  and they removed. Experian and XXXX  have not removed the item and Ive Disputed the item several times. Ive asked them to verify if the debt belongs to me and have told them its Fraud. Neither Experian, XXXX  or the Collection company have tried to remedy this and they are violating my rights under FDCPA. I have sent over three letters and disputed online. This item needs to be removed immediately XXXX XXXX XXXX Account -- XXXX Reporting to : XXXX, Experian
Product: Debt collection

I received a correspondence from XXXX XXXX XXXX XXXX, XXXX dated XXXX XXXX, XXXX about an alleged debt. On XXXX XXXX, XXXX, I sent First Federal Credit Control a certified letter requesting validation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. On XXXX XXXX, XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demanded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. On XXXX XXXX, XXXX, I received an alert from the credit reporting agencies stating that First Federal Credit Control added a collection account to my credit report, which bluntly ignored the FCRA laws. I previously filed a complaint, and they replied that they have validated the debt, which they have not provided any legal documents to properly validate the debt per FCRA. On XXXX/XXXX/XXXX, I sent another complaint through CFBP, and they completely ignored it
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID 's THEFT REPORT # XXXX, XXXX, XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

TD has reported a change off account on my credit report that I was not aware of. I disputed this account that I never opened with Target for 6 months now ... I finally got a representative who stated if I paid off the balance due ( not my card ) they would remove this erroneous account from my credit report. I paid {$420.00} for the card I never requested and never used now Target is refusing to remove it .... I have written to them on numeous occasion asking to provide a copy of the original contract and payments made on this card so I could prove to them that it was NOT my card and I did NOT apply for this ... Target ignored all my requests, written, verbal and electronic and only sends this letter ( attached ) statiting they confirm this account being mine but on WHAT BASIS THEY DO NOT DISCLOSE AND DID NOT PROVE THEIR STATEMENTS WITH COPY OF THE CONTRACT OR PAYMENTS THEY RECEIVED. I filed a police report due to identity theft as instructed by the bureaus but still ... this account is damaging my credit report this is illegal and is there any justice to consumer? ...
Product: Student loan

In XX/XX/XXXX, I submitted paper work to have my PSLF payments counted and certified ti make sure everything is on the right track towards having 120 qualifying payments. Since then Fed Loans keeps saying that the count is pending and keep giving me the run around. To date I should have either 94 or 95 qualifying payments. My account currently says that I have 9. 

Over the last 15 months I have been in contact with Fed Loans ' customer support on a bi-weekly basis both by phone and email. I even have a " case manager '' and have also escalated things to this case manager 's manager several months ago and they have still not been able to provide me with any information or to give me an accurate count of my loan payments. 15 months is a ridiculous amount of time to wait for this information. Currently, the case manager 's manager is dodging my calls. 

I even provided Fed loans with copies of my bank statements for the payments they were " supposedly missing information on '' to no avail. Attached I have complied an XXXX sheet of all payments known to me. I have bank statements proving all of these payments except the one from XX/XX/XXXX-XX/XX/XXXX. But I would imagine that the Loan companies which are supposed to be tallying these payments should have records of these payments.
Product: Credit card or prepaid card

I received an unsolicited card from a company called Square. It is a business debit card, and says it is issued by XXXX Bank. The card has my name on it. I did not apply for this card, and I do not have an account with Square nor with XXXX Bank. I contacted Square at their customer service number : XXXX. I spoke with XXXX, and was transferred to XXXX. I explained that I received a card that i never applied for, and wanted to ensure the card was not active and any accounts associated with my name were closed. I was asked to provide the number on the back of the card. I was told by XXXX that she could not close any account associated with my name and that it had to be investigated by their team. She said she would forward my concerns to the appropriate investigative team. I asked to speak to a member of the fraud department directly and was told that there was no live person to speak to, only the liaison, XXXX. I was also told to provide an email address and that I would be sent an email asking for additional information. I stated I did not feel comfortable providing a personal email address and did not see why I should have to email further information to the company, as I did not open an account with them and just wanted any accounts in my name closed. I asked how I would receive confirmation that my account was closed, and if I could be sent a hard copy letter or at least a phone call from the fraud team informing me the account was closed. XXXX stated that the company is " mainly email '' and does not typically do phone calls, nor would I receive a hard copy letter stating the accounts in my name were closed. I explained that I believe this card is due to identity theft, and want confirmation that any accounts associated with my name are closed. XXXX instructed me to contact my local authorities and stated it would be forwarded for investigation, however she could not close my account nor provide me with definitive confirmation that the account was closed.
Product: Bank account or service

On XX/XX/2016, I attempted to withdraw {$60.00} from a Zions Bank ATM machine located at XXXX XXXX XXXX XXXX, XXXX, UT. During the transaction, the machine malfunctioned and the door closed before I could extract my entire withdrawl. I was able to retrieve a torn {$20.00} bill ; however, {$40.00} went back into the machine and the door closed. I attempted a XXXX transaction immediately following the XXXX for {$20.00} to see if I could get the original {$40.00} to also release from the machine. It did not ; therefore, I was shorted {$40.00}. Later that day, I went into the Zions Bank branch and spoke with the manager. She advised that I would need to file a claim with my bank, XXXX, and ask them to open an investigation. She stated that they would ask Zions to provide an audit report that would show that the machine did not balance the day I attempted my transaction, and that they would be able to issue a refund. On XX/XX/XXXX, I filed the claim with XXXX. They issued a provisional credit and began the investigation. On XX/XX/XXXX I was notified that the ATM owner denied my claim, XXXX was reversing the charge, and the case was closed. I contacted XXXX 's claim department advising them that I was unwilling to accept the outcome, and they advised that I file a rebuttal. I submitted this form on XX/XX/2016. XXXX responded saying that, because I provided no new information pertaining to the case, they were not going to reopen the investigation. I asked them who provided the documentation used to deny the claim and specifically what information was provided. XXXX advised that Zions Bank provided a transaction report showing that the transaction took place. I asked if they also received an audit report, and they stated that the records did not indicate that Zions provided this. A transaction report should never have been accepted as reasonable documentation. I 'm not disputing that the transaction took place. I did attempt to withdraw {$60.00} from a Zions Bank ATM on XX/XX/2016. What I 'm disputing is that I did not receive all of my money from this transaction. Without an audit report that shows that this machine actually balanced on this date, Zions has failed to provide sufficient proof supporting their denial of our claim. Now I 'm short {$40.00} and neither XXXX nor Zions Bank seems to want to pursue the case to a reasonable conclusion.
Product: Debt collection

I received a letter from First National Collection Bureau , Inc on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and FNCB. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call FNCB to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.
Product: Checking or savings account

On Friday, XX/XX/XXXX I went to log into my Bank of America account on my mobile banking app. I wasn't able to log in or change my password. I called the XXXX and spoke with a Customer Service Agent and she informed me that my account was closed for business reasons! I was livid. They never called me to notify me nor did they send me an email. On Saturday, XX/XX/XXXX I called the XXXX number and the Customer Service Agent told me that my account was restricted! I then called the local bank in XXXX GA and the person I spoke to was know help at all. I am going to the bank on XX/XX/XXXX to resolve the situation and see why they closed or put my account on restriction. My account is in good standing and I can't imagine why they are closing or restricting my account. I have a direct deposit for {$2200.00} being deposited into my checking account and I am going to try to withdraw the money as I need to pay rent and bills.
Product: Mortgage

I have tried on several occasions to reach Deutsche Bank regarding who to contact in reference to a US Dept of Justice mandate directing Deutsche Bank to make available to requesting loan holders the contact information for relief related to a lawsuit by the Dept. of Justice against Deutsche Bank. I called Deutsche Bank directly, and their law department told me to contact their media department. I registered a complaint with CFPB stating that such contact information has not been made available as ordered by the Court. Deutsche Bank refused to give CFPB the contact information for the assigned team, instead I was told by CFPB that Deutsche Bank would have the team assigned to comply with the court order reach out to me. No one from Deutsche Bank 's team has contacted me. This is time sensitive. And Deutsche Bank is non-compliant in the directive by the US Dept. of Justice in providing a contact person for me to communicate with, and to file my claim. This complaint is because Deutsche Bank did not follow through on their commitment to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on my previous report : XXXX, Equifax stated that they modified certain accounts and verified others. I did not ask them to modify anything. Furthermore, how can you modify or verify any of the accounts if a proper and unbias investigation was not complete. 

And if a proper investigation was complete, I want documented proof of conversations, which by law, should be held with family members, associates etc who know, me personally the consumer. 

If no such proof can be furnished I am now DEMANDING that these accounts be removed : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  XXXX DP OF EDUC : XXXX, XXXX ( two accounts with different information ) Once again, the laws are clear : 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 : states a consumer reporting agency can not furnish an account without my written instructions & Lastly, 15 U.S.C. 1681i - procedures in case of disputed accuracy also states that if after an reinvestigation an item is found to be inaccurate, incomplete, or can not be verified the consumer reporting agency SHALL PROMPTLY delete that item of information. With the attached recent updates of my credit reports, there are several inconsistencies on my credit report that show a proper investigation was not conducted. And for the mere fact that I do have the right to privacy and there is no proof of written consent from me the consumer to have these accounts published. Shows blatant violation to my rights based on the FCRA. 

Thus far, I have listed three laws that were violated.