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

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

State Income Tax Balance Due Garnishment Order : Account No. XXXX Tax years : XXXX, XXXX Balance : {$21000.00} as of XX/XX/XXXX US Bank has notified me by their letter dated XX/XX/XXXX, received on XX/XX/XXXX that XXXX XXXX California Franchise Tax Board had by their Tax Balance Due Garnishment order Account No XXXX for tax years XXXX, XXXX to withhold {$21000.00} from checking account No. ending with xxx XXXX maintained by me and my spouse XXXX XXXX XXXX. Accordingly they withheld {$210.00} and reported have mailed to XXXX on XX/XX/XXXX after taking their charges. 
We had by our letter dated XX/XX/XXXX informed the Bank that the funds remaining on the account is the Social Security XXXX granted, since year XXXX and that no other income or remittance are there, as we had to close down our small business and had to approach Federal Agency for our survival without any assets or income. We understand by the law, financial institutions have no authority to withhold any sum from the accounts that have only Federal supporting remittance. We may be allowed to state that the funds remained in our checking account is the savings for our Funeral fund and that is saved from the Federal benefits received directly in that account, we still wonder what is their authority to hold funds from that account while the law is specific about, as we understand. We are still awaiting a response from the Bank, presume they have no one above to question their unlawful performance. 

We also wrote to them on XX/XX/XXXX requesting them to provide us our consent to such withholding funds from our checking accounts, but so far no response from the Bank. 

Sincerely appreciate your assistance in resolving our jest issue. 
XXXX
Product: Debt collection

Though XXXX XXXX, I was notified of 2 collection accounts that was reporting on all 3 bureaus. I also confirmed this through phone communication with them. I then submitted my dispute by mail. I then received one letter from On Line which I included in this complaint. I followed up with the bureaus on the XXXX with a letter stating that they have not complied with the law by not communicating with me the results of the investigations that they are compelled to do with 30 days. 

These collectors has not provided any information to me as proof that this debt is mine, yet continues to report this information to the bureaus. I have asked for the information in these communications that I will upload. They also did not respond in a timely manner or ignored my requests outright. I am submitting this on my own behalf. I have no other authorized third party. 

These collectors did not provide HIPAA release to be able to collect on this debt. They did not provide any information to me asking for validation of within 5 days after intial communication per 15 United States Code 1692g ( a ). Failed to provide proper verification. Communication with bureaus violating my right to privacy providing them with false reporting. Under 15 United States Code 1681n ( a ) ( 1 ) these violations have caused damages to my personal credit due to false, misleading, unverified, and unvalidated information.

15 United States Code 1681a ( 3 ) ( A ) and ( B ) restricts sharing medical information and services such as listed as " Emergency Dept Visit ''.

No response when asked to provide signed contracts as well as no response within 30 days of dispute. Under 15 United States Code 1681c ( C ) ( 1 ) this debt has passed 180 days and should no longer be on a consumer report.

I still have not recieved a credit report with updated information from these agencies, nor mention that this disputes is or even will be listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

** ( UNFAIR CREDIT** ) REPORTING EQUIFAX RECORDS MY BAD CREDIT. I call CONFLICT OF INTRESTS Income is derived from CREDITORS NOT CONSUMERS. ( Scores provided are Bias. ) Also Equifax Data Breach Website says MY PERSONAL INFORMATION WAS IMPACTED. The website requires hand movements my paralized hands are unable to do. I am XXXX years old. Grew up pay phones I AM UNABLE TO ACCESS THIS SITE DUE TO MY XXXX. XX/XX/XXXX I had fraud on two credit cards I HAVE NEVER RESOLVED!! I AM OUT {$8000.00} ON XXXX NOW. MY CREDIT DESTROYED. Equifax Data Breach Website says IT MAY BE XXXX FOR ANY CLAIMS PAID & {$120.00} .... SERIOUSLY?? My Private DATA is now on Dark Web for MORE FRAUD.. What Laws Protect the XXXX Elderly Targets? THIS IS NOT EVEN CLOSE TO FAIR!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got with a New Inquiry from XXXX XXXX XXXX on XX/XX/ 2018 from Experian. I noticed this through XXXX XXXX on my XXXX XXXX online account. Around XXXX I called up both companies about this fraud situation and both said they would remove it. I than had called a second a third time. I want to say XXXX XXXX day last time I spoke to with both companies and both would assure me would come off in 7-14 business days. Nothing has ever come off.
Product: Debt collection

I received a mailed letter today saying from Allied International Credit Corp that I owe a debt of {$110.00} to ebay. I logged into XXXX and no such debt is owed. This company is using my former name and my home address and mailed me what I believe is a scam letter trying to collect a check or money order from me.
Product: Credit card

Citi Bank ( Home Depot ) has done a poor job of investigating this case. I have provided them with my Drivers License number and have had to re-open this case several times. I would like to know if the Fair Credit Billing Act of 1974 can be used to dispute this subpar service from Citi Bank.
Product: Debt collection

I have never signed a contract with this company. I have asked for proof and no proof has been given. I have disputed this account for the last four years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a balance of {$20000.00} for a debt that I DO NOT owe. It is possible that another family member could be responsible for this debt. 

I have been trying to dispute this with them and the 3 major credit bureaus for over a year now with XXXX  success.

This company is currently undergoing a class action lawsuit for violating Minnesota state laws and various other lawsuits for unethical and illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as XXXX XXXX XXXX, XXXX. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by XXXX XXXX XXXX XXXX XXXX. 
2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update.

3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case XXXX XXXX XXXX  did no such transfer, nor was I ever given any such proof. 
4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.

5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 %  XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal. 
6 ) This collection is illegal, and XXXX XXXX XXXX  is in violation of my rights under the Fair Debt Collection Practices Act. 
7 ) My file must be purged and all personal information must be deleted, along with XXXX XXXX XXXX recalling this debt information immediately. 
8 ) Any and all references to this account must be deleted on all credit bureaus. 
9 ) XXXX XXXX XXXX  must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of Massachusetts permanently. 
XXXX XXXX XXXX XXXX XXXX has an enormous amount of complaints filed with the CFPB already. 
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt  collection practices of XXXX XXXX XXXX XXXX XXXX. Examples of common complaints against XXXX include trying to collect a debt not owed and improper communication tactics. 
The following two real-world examples of complaints against XXXX XXXX XXXX illustrate these types of alleged violations. 
Consumer alleges attempts to collect a debt not owed XXXX XXXX XXXX said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!! 

XXXX XXXX
Product: Credit reporting

I filed an official dispute with Equifac on XXXX. I stated that XXXX XXXX XXXX, a creditor on my file, as mistated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Equifax return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Equifax has not provided any further information to explain why they have decided not to update their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX account # 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 XXXXXXXX has violated my rights 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
Product: Credit card or prepaid card

Barclays is a disaster. I applied for the XXXX Business Card. My credit was approved. I was personally verified. Then it went to business review for final approval. This department is a disaster and I believe that they are putting personal information at risk through a complete lack of care and mismanagement. First, they told me 5 - 7 business days for processing time. Then I was told there were too many applications and it would take longer. I followed up today and a gentleman took more information from me - supposedly to expedite the processing of my application - and told me it would be completed shortly as the application was already open. Then I called back to get clarification if I'd receive a letter or a call for additional information. The man told me it would be ANOTHER 5-7 BUSINESS DAYS EVEN THOUGH I HAD ALREADY WAITED THE PROLONGED WAIT TIME AND WAS TOLD EARLIER IN THE DAY IT SHOULD BE DONE SOON. He refused to let me speak to a manager to understand why my information was being mismanaged and the first man could access my application but the second couldn't. He also couldn't tell me what happened to the information I provided the first man. I'm scared that this is little more than an identity theft right within Barclays taking people 's personal information bit by bit instead of properly processing applications. They say they are processed in the order they come in. Then why was mine started and not completed today - presumably with others being worked on between? Barclays needs to 1 ) process applications in a timely manner which they absolutely do not 2 ) provide accurate updates on applications 3 ) install safeguards for information because it seems to disappear into space. Their practices are terrifying.
Product: Credit reporting

XXXX 2010 i rented an apartment for six months from XXXX at the time of signing the lease an occupant was added XXXX XXXX he was authorized to be in my apartment and even stay over as he would from time to time in XXXX 2010 i went to California to attend a funeral as i was away XXXX had invited his friends over ther was some sort of dispute the police were called and XXXX and his friends were locked out of the apartment some went to jail when i returned three days later i was told i had to leave and was evicted they gave me until XXXX XXXX to get my belongings i can have what i can carry i can not find any record of an eviction in any XXXX XXXX XXXX house not sure who they filled any notice with i do not think they can just lock me out as they did so if you can please assist me with this matter i would appreciate it very much i have disputed this with the apartments and the credit bureaus more than once what i would like is the balance adjusted because they re rented the apartment they are prohibited to XXXX dip thank you very much XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$150.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$520.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MORTGAGE XXXX XXXX XXXX MORTGAGE XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have sold my house that is in foreclosure with Bank of America but the closing is not going to happen as Bank of America will not send a payoff. We started requesting XXXX XXXX. The closing is XXXX XXXX.
Product: Credit reporting

This is the 3rd complaint that I have made to you against Equifax and now I 'm getting really upset because no one is helping me. this account listed on my credit file is the result of identity theft and my entire identity was stolen to the point that I had to go to a federal location to clear my name! I called and asked why these XXXX accounts were not removed and was told that it is because they did not receive the official police report and I have sent that to them 3 times now to no avail. I need for this account to be removed immediately. 
In XXXX 1997, Congress states that the burden is on the credit bureaus and creditors to prove the accuracy of the accounts and not on me and yet I 'm receiving letter after letter from XXXX stating that these have been verified and that they will not dispute this again. Where 's the signed contract with MY signature? Where 's the proof that shows which IP address was used to apply for this account? I know for a fact that it was n't mine! I did not open this account, apply for it, authorize it or have any knowledge of it and it must be removed immediately. The bureaus are required to report ACCURATE AND COMPLETE information and it takes over a year to prove that they are being willfully negligent? 
These are the accounts that I am disputing : This account is the result of identity theft and must be removed immediately pursuant to section XXXX immediately and permanently cleared from my credit report : XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX XXXX Balance : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a collection company stating about a debt I owed fro an insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX to review my credit report. I found many fraudulent accounts I have never opened or given anyone consent to open. Please delete these items from my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS DEPT OF ED/XXXX  XXXX not mine XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX never late US DEPT OF EDU XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Experian on four different occasions requesting validation of the two collections that they have on my credit report.They have not provided me with any information that shows validation or verification of the accounts as I am not aware of these two accounts. They have simply came back and stated that they were verified and that they would not re-investigate although I was never provided with any sort of documentation. The accounts are as follows : XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen reporting mortgage is 120 plus days past due, account is current and in good standing
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. I have enclosed copies of my driver license, Social Security Number and Utility Bill Number to support my position. Please investigate these issues as quickly as possible because they are having an adverse effect on my financial situation and has caused me financial distress in other areas as well. These items are inaccurate or incomplete. Kindly remove or correct the information : XXXX XXXX XXXX and XXXX XXXX
Product: Mortgage

This problem started in the pandemic. Prior to that in XXXX, we set up automated ACH payments with Ditech ( which were taken over by Shellpoint/New Rez at the time the problem started ). In XXXX and XX/XX/XXXX, I can prove with my bank statements, the servicer ( by that time Shellpoint/New Rez ) erroneously took five payments but did not give credit for two months of payments. Ever since XX/XX/XXXX, they have indicated I am two months behind, even though I can prove I have made every payment on time, and they appear to have lost in their system two months of payments in XXXX and XX/XX/XXXX. Since then, I retained an attorney and tried repeatedly to correct this but there appears to be no way other than involve the CFPB and/or the Attorney General or Consumer Department of XXXX  which I am also contacting. I have proof of all payments, but I will only attach the disputes and proof in XXXX and presently in XXXX and show that they are still saying there is a problem. It appears that the XXXX  Attorney General found that Shellpoint/ New Rez misapplied payments in XXXX  at the exact same time that this occured and the servicer reached a settlement there. My and my husband 's credit have been severely impacted wrongfully by this mistake.
Product: Checking or savings account

Complaint Against Navy Federal I deposited a check from my XXXX Provider via ATM on Monday Night ( XX/XX/XXXX ) around XXXX. The check amount was XXXX. The bank made XXXX available immediately. 

The remaining balance is typically deposited within the next business day - XX/XX/XXXX. 

( XX/XX/XXXX ) Around Noon, I discovered the remaining XXXX had not yet been placed in the account. I called Customer Service to inquiry when the funds will be available, per the 1st Customer Service Rep the funds will be available on Thursday ( XX/XX/XXXX ) Later the same day I called back to Customer Service to see if the funds can be pushed through because I was trying to pay bills as soon as possible. According to the 2nd Customer Service Rep- he is unable to push the funds through immediately however the funds will be available after XXXX. 

At XXXX pm, I checked my account and the funds were available. 

( XX/XX/XXXX @ XXXX ) I checked my account again and the funds was available. I immediately start paying bills. I paid XXXX credit card bill, XXXX XXXX bill. I attempted to pay my XXXX XXXX but the transaction was declined. I was confused, so I checked the funds in my Navy Federal Account and it showed XXXX. I became upset and confused. So I called Customer Service. XXXX XXXX stated is negative and the system has removed the funds from my account and the funds will not reappear for another 4 days. I became extremely upset and asked to speak with a XXXX. Spoke to XXXX XXXX XXXX XXXX ) and she simply reiterated everything the Customer Service stated. 

I don't understand how the system made the monies available then REMOVED the funds as I was paying my bills. 

Since XX/XX/XXXX, I have spoken to a total of XXXX Customer Service XXXX and XXXX Supervisors. NO ONE has removed the block on my account and the bills I paid has been returned as insufficient funds. I was previously told my XXXX - the transactions will clear when the funds reappear & THE TRANSCTIONS WILL NOT BE RETURNED AS INSUFFICIENT. 

According to XXXX XXXX XXXX XXXX Supervisor ) The reason the system removed the funds is because Navy Federal received a notification from the Federal Reserve that my XXXX Check was a potential fraud. I have requested a copy of the notification from the Federal Reserve and NO ONE has provided a copy. 

As of today XX/XX/XXXX - my account is still negative XXXX and I'm still waiting for the remaining funds to become available in my account. The transaction for my Credit Card XXXX and the XXXX XXXX has been returned.