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

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the XXXX XXXX  Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX  XXXX fraudulent account XXXX  XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX CFPB XXXX XXXX XXXX
Product: Credit reporting

Medical bill from XXXX years ago was just posted to my credit report this month. I have no way to dispute this account because my personal records and bank records only go back XXXX months. How can someone wait XXXX years to report an unpaid bill and only be required to provide my name, SSN, and address, effectively putting the burden on me to prove I did pay or that the account is not mine?
Product: Mortgage

I am requesting the CFPB to intervene in hopes to come to some resolution with Suntrust Bank. Since falling past due on my mortgage I had reached out to Suntrust right away and have been working with Suntrust for almost 2 years now. I have submitted numerous packages for assistance and each time Suntrust has denied my request for mortgage assistance each time shifting the blamed it many bogus reasons. Most recently I submitted on XX/XX/XXXX and was denied on XX/XX/XXXX. Per the Suntrust the file was declined because the income they used was {$6700.00} but when I sent them my proof of income and financial worksheet along with P & L as requested the income I provided was {$8600.00}. 
I went as far as sending them the following letter for appeal and request for the NPV results showing how they came to their calculations but upto this date they have not provided me with the NPV denial results and issued me foreclosure sale date on my home for XX/XX/XXXX. 

This issue with Suntrust is not the first time they have used incorrect income and refuse to provide me with the denial NPV results. 

I have even Offred {$20000.00} towards the delinquent amount in hopes to come to a resolutions, Suntrust has been in violation of dual tracking Respa and Tila laws but refuse to help. 

Fax to Loss Mitigation Appeal Dept XXXX Denial Dispute - I XXXX XXXX are writing this letter to dispute the invalid reason for denial on my loan modification request. Per the denial information the reason for denial is the income used to make this decision was Net income of {$6700.00}, this income is not correct! The income I presented and on the financial forms, bank statements and Profit & Loss shows my income at Net {$8600.00} I'm asking SunTrust to properly review my financials to be reviewed again for assistance. I am asking SunTrust to place the amount I owe to the end of the loan so that I can continue with my payments. Even if the loan payments go up that's okay, I just need to save my home for my kids. Please help me. 

I am resending the documents attached that where last previously present for further review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax, XXXX, and XXXX my FTC ID Theft Report # XXXX & # XXXX on XX/XX/2018. I asked by letter accounts XXXX  XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX ( {$460.00} ), and XXXX XXXX XXXX XXXX {$1000.00} be BLOCKED from my credit file under the FCRA section 605B. Talking with a XXXX rep on XX/XX/2018 he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, Equifax, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
Product: Credit card

In XX/XX/2023 I was admitted to the hospital with a tear in my XXXX. I attempted to chat & email chase at the time. I could not call from the hospital. I was there XXXX weeks. I then had to continue recovery at home. It was XXXX weeks and then I could return for light duty. I emailed chase bank at least XXXX times through the secure messaging center. I never did receive a reply. Meanwhile I was trying to stay afloat and pay my bill. All I needed was to skip XXXX month & have my fees removed then we had XXXX hurricanes back to back. Everything was shut down & again no work. Chase still charged us late fees through this time. Even when we did not have power in our home, we were charged late fees! Well today they finally told us theyll remove the fee for XXXX but they cant do anything else. All I am trying to do is catch up my account & keep it from going over 30 days late. I keep paying the payment that gets sucked up in late fees & interest. If theyd just remove all those fees my card would not even be over the limit at all. I technically only missed one payment but the fees have made it near impossible to catch up. I just need them to skip one payment & remove the fees. I will continue to pay my payment & work on my account as I always have. They just refuse to work with me. Im unsure why as until this, my account was always paid on time. I never asked for a thing until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were listed on my credit report as late and they were never late. These accounts are current and up to date. This is hurting my credit. This is a violation of the fair credit report act section 1681b. 

XXXX XXXX BNK Date opened XX/XX/XXXX {$630.00} Listed as 30 days late. 

XXXX XXXX BNK Date opened XX/XX/XXXX {$360.00} Listed as 60 days late. 

XXXX XXXX Date opened XX/XX/XXXX {$870.00} Listed as late 60 days. 

These accounts were never late.
Product: Checking or savings account

- US Bank representative called me, was rude, harassing, and threatened me. ( XXXX ) - XXXX from Social Media team called me. 
- Called me stupid, then threatened me with unspecified XXXX XXXXXXXX. 
- US Bank branch personnel were incredibly rude and nasty to me. ( XXXX ) - One lady refused to answer any of my questions. 
- Another lady butted in and started loudly and rudely talking at me. 
- That second lady ignored me altogether, chased me out of the bank, and accused me of yelling. 
- US Bank personal account fraud charges issue ( XXXX ) - I got a text about fraud charges, had to dig deep for ID for sender. 
- Checked my US Bank personal account, FOUR fraudulent charges. 
- Requested assistance via phone and in person several times, all refused. 
- Unknown deposit in business account ( XXXX ) - Unknown check deposit for {$100.00} XXXX XXXXXXXX - On XXXX, this transaction is not found at all. 
- Unable to reach a person via telephone for assistance - This issue has been going on for a long time. 
- The automated systems don't allow me to speak to a person- The automated systems say my information is invalid and hang up on me- The automated systems don't offer me an option for why I'm calling - Inability to utilize offered services - US Bank refuses to process my application for a personal or business credit card - They've said I need to unlock/unfreeze all three of my credit reports for 2-4 weeks, this is not acceptable to me.
Product: Credit reporting or other personal consumer reports

Re : Pre-Litigation Letter - Securities Fraud, Billing Error Dispute, and Rescission of Security Interest/Tax evasion/remove right to repossess Dear To Whom It May Concern, XXXX  Financial XXXX, indenture trustee I trust this letter finds you well. I am writing to address serious concerns related to my XXXX-interest XXXX of XXXX XXXX XXXX management. This communication is a pre-litigation notice outlining issues concerning securities fraud, billing errors, and the immediate rescission of the security interest in the asset. 

**Relevant Legal Citations : ** - XXXXXXXX XXXX XXXXXXXX - XXXX U.S.C. XXXX - XXXX USC XXXX XXXX the XXXX Funds Transfer Act and relevant statutory provisions, I am asserting my rights and concerns as outlined below : XXXX. Securities Fraud Allegation : ** - It has come to my attention that my account has not been properly credited in accordance with the Electronic Funds Transfer Act for the interest securities dividends payment related to my Treasury Coupon. 
- The failure to credit my account raises suspicions of securities fraud under applicable laws. 

XXXX. Billing Error Dispute : ** - I assert a billing error dispute related to the non-receipt of interest payments on my XXXX-interest XXXX of XXXX. 
- This dispute extends to past, present, and future interest payments, and I demand a thorough investigation into the matter. 

XXXX. Request for XXXX XXXX XXXX : ** - I am formally requesting an Asset Representation Review to ensure that my assets are being managed in accordance with all applicable laws and contractual obligations. 
- This review is essential to determining the accuracy and transparency of the handling of my securities and financial interests. 

XXXX. Rescission of XXXX XXXX : ** - I hereby request the immediate rescission of any security interest held in the asset/product/security related to my XXXX of XXXX. 

XXXX. Remittance of Interest Coupon Dividends : ** - In accordance with the Electronic Funds Transfer Act, I request that you, as the indenture trustee, perform your fiduciary duties to remit and direct the securities ' interest coupon dividends to my Treasury Direct Account, as detailed below : Your Treasury Direct Account Information Account Name : XXXX XXXX number : XXXX Account : XXXX Conclusion and Action Required : I trust that you will take immediate action to address these concerns, conduct a thorough review, and promptly rescind any security interest held in the asset. Failure to rectify these issues within a reasonable timeframe may compel me to pursue legal remedies available under the cited statutes and other relevant laws. 

I anticipate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX Please send legal title, XXXX, and any other securities for investment purposes to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also attached is your indenture agreement stating the responsibilities of a indenture trustee performance on cancellation
Product: Debt collection

An account was opened with my SSN on XX/XX/21 for a balance of {$3600.00} at XXXX XXXX Account # XXXX. I have called XXXX and Source Receivables Management. I've disputed with the bureaus. It is effecting my credit score and I received a higher interest rate with my current loans due to this. I do not have, nor ever have, had a XXXX account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel completely violated by the bureaus and the following 3rd parties, at the top of the year I went to apply for a mortgage and I was denied after learning that my reports were all wrong. I saw a few accounts that are being reporting without my knowledge nor consent. Experian, XXXX and XXXX XXXX has helped them get away with it by furnishing these account that were not once verified by me nor my spouse. No consent is identity theft and I don't appreciate it.These incorrect items are harmfully blocking me from extend my rights to lines of credit. As it it my written request to delete the following.
Product: Credit reporting

XXXX XXXX has been reporting active accounts on Equifax that I have open collections, these where paid 4years ago and I have sense claimed bankruptcy. They should be reported as closed. They had previously done this than reopened for no reason as I believe they are scamming people to profit.
Product: Credit reporting or other personal consumer reports

I checked all three of main credit reporting agencies on XXXX XXXX, 2023 to re-freeze my credit reporting accounts. When I looked at XXXX, I saw a revolving credit card account with FEB DESTINY or Concora credit with a maxed out credit limit of {$710.00} opened a month ago with a {$50.00} payment due soon. I felt so upset because I deliberately freeze my accounts after going through a nightmare of fraud last year that took months to resolve. 
I can not reach the bank until after XXXX. XXXX but I am planning to reach out to them to demand the deletion of the account and report it as identity theft to all three credit reporting agencies. If I continue to get the runaround or refusal to help, I will reach out to you again re : FEB DESTINY. The only information I can gather is the balance amount due and that the account ends in XXXX. You have helped before in the horrible situation I was in last year and I am reaching out again. I immediately froze all my credit reporting agency accounts. I will be reporting this as fraud to local online police report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute about fraudulent and inaccurate information on my credit report. And XXXX XXXX and Experian are still reporting the information on my credit report illegally. At first I sent them the police report about my identity being stolen and they still didnt fully complete their investigation. They either said they can't honor my request or they verified the items. Which is illegal, how can you verify a fraudulent account? Im attaching the two letters I sent. These companies are still legally reporting. They also are taking forever to reply to my claim which is also against the law. I even filed a complaint with FTC and I plain to sue if necessary. I sent my first letter months ago, and they are still illegally reporting inaccurate items.
Product: Debt collection

I received a letter from Online Information Services , Inc., dated XX/XX/XXXX XXXX XXXX stating that an attempt was being made to collect a debt of {$1800.00} on behalf of XXXX XXXX XXXX. I contacted this agency on XX/XX/XXXX, at the number provided in their letter. I advised the company representative that I never had an account with this creditor, lived at the address for the services they offered, or cosigned for any person ( XXXX ) living there. 

The company agent suggested that this account was likely fraudulent and that they would send me information to dispute the charges further. 

Although I fully disputed this account, the agent threatened to place this information on my consumer credit reporting file in XX/XX/XXXX.
Product: Student loan

I sent in a payment to navient and they received it on  XXXX   XXXX ,2017. I have for the pass several sent my payment to the address of  Navient   XXXX .  XXXX   XXXX   XXXX  PA  XXXX   XXXX . They send me a notice on  XXXX  2017  stating I had made no payment. I check my checking account and somehow the check was cashed but sent to  XXXX   XXXX . The first person on the line told me I sent my check to  XXXX  Georgia and I told her that was not true after debating with her for a few I asked to speak with a supervisor.  XXXX  #  XXXX  told my check was since to t he education departmen t I told her for the past  3-5 years  I have sent my check to the same address and neve r had one pro blem after debating with I asked for her supervisor. I held the line for a few minutes she came back and told me her boss refused to talk me but they would accept my payment. I told her I could not make another payment she told they would send back my payme nt in 4 to 6 week s and then I could pay my concern is my credit and the that someone at Navient made an error and sent my check to my old student loan payment center  XXXX   XXXX  I have the check to prove it the number is check  XXXX  from  XXXX .  XXXX  would tell would to contact corporate management she did give me the name of the CEO  XXXX   XXXX  but when I ask for a email or some way to contact him she refused to give me the information. I need to know if there are any class action law suit against Navient and how do I file on.
Product: Student loan

My loan was transferred without any notice to a new company who has given me no way to log in.
Product: Debt collection

Law firm sent ( attached ) document to my home residence for a matter involving a company I was just a former employee of that owes them money. Listed my name and dba the company when I was only an employee. Called them directly, spoke to XXXX XXXX at XXXX. He said they will keep calling and will be suing me directly for the money owed even though I was only an employee and the only way to stop this was to 1. Get my former employer to pay them or 2. Get an attorney and sue them then they would reverse this. I told them they had no legal right to do this and he hung up on me. 

Repeated calls to my personal cell phone daily threatening legal action as well. I do not answer these but all of this is not only harassment, but knowingly and admittedly illegal as well.
Product: Credit card

on XXXX - when I logged into app I saw all my credit cards from citi bank is shown as closed account. 
I have been actively using costco credit card. 

When I called them they said. we do not have any information. We have sent an mail. 
Further they said they do not know the reason for closing. 

XXXX XXXX I received letter saying I have not been making payments to my credit cards. 

This is not true.
Product: Debt collection

Midland Credit is Unlawfully reporting account XXXX On my consumer report. 

Dear Midland Credit Management, I am writing to dispute the validity of the debt you have reported to the credit bureaus under my name, and to request detailed information regarding this debt. I believe Midland Credit Management is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Specific Concerns : Debt Reporting : According to IRS guidelines, any debt over {$600.00} considered charged off is treated as income and should not be reported on a consumer 's credit report. I request clarification and proof that this debt has not been charged off or considered as income. 

Debt Validation : I request certified copies of the following documents to validate the debt : Proof that the alleged debt has not already been satisfied by any means available, including but not limited to a tax write-off, an insurance claim, or selling the purported debt to a XXXX-party debt collector. 

Certified copies of all Public Hazard Bonds and/or Liability Insurance Policies , along with accounting demonstrating the financial capability of Midland Credit Management XXXX 
An affidavit signed under penalty of perjury that Midland Credit Management or any agents acting on their behalf have not violated any portion of the FDCPA. 

A certified copy of the original contract that Midland Credit Management has with me, XXXX XXXX showing my signature and the terms of the debt. 

Full disclosure of Midland Credit Management 's possession of first-hand knowledge at the time of this alleged debt. Please provide a notarized copy signed under penalty of perjury. 

Legal Rights and Obligations : Under the FDCPA, you are required to provide this information within XXXX days of receiving this letter. Additionally, any further collection activity without validation of this debt will be considered a violation of my rights under the FDCPA and FCRA. 

If you fail to comply with my request, I will be forced to file a complaint with the, Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. I may also consider legal action for any damages incurred due to your non-compliance. 

YOU ARE NOT IN XXXX XXXX COMPLIANCE. I WILL BEGIN ARBITRATION IF ACCOUNT IS NOT REMOVED. YOU WILL BE RESPONSIBLE FOR ALL FEES AND YOU WILL HAVE TO PAY ME FOR REPORTING INACCURATE INFORMATION AND DAMAGES.
Product: Checking or savings account

On XX/XX/XXXX my account was hit with multiple transactions due to my debit card being stolen. XX/XX/XXXX i was credited back these transactions. XX/XX/XXXX the bank took back the money from my claim and then proceeded to charge 6 OD fees despite it was the banks doing. Its been 4 months since and im missing well over 800 . 

The transactions in question ill provide a sceen shot as well as the police report upon request
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  Balance {$130.00} XXXX, XXXX XXXX XXXX  Balance {$270.00} # XXXX, XXXX, XXXX {$440.00} # XXXX, XXXX  XXXX {$1300.00}, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  {$830.00} # XXXX XXXX  XXXX XXXX  {$1400.00} XXXX XXXX XXXX  XXXX XXXX I attached a copy of credit report as well. i could not attach on the next page
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I recently was looking at my score through XXXX today on XX/XX/XXXX and noticed it had way to many hard inquires. There should be about 7 total for some reason there is more. The odd part is the last 3 months it says I have 3 inquiries. I called XXXX customer service they said they can not tell me what these Inquiries were but to write letters and explain you did not authorize or sign anything in the past 6 months for any Inquiry 's that they would remove them once they looked into it. 

I did not make any Inquiry 's since I bought something summer of XXXX at XXXX XXXX ( XXXX XXXX XXXX was opened ) anything after that is inaccurate and I would kindly ask to be removed from file and whomever is giving that report. As it is not accurate.