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

I am writing to US BANK because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in XXXX report prevents me from achieving the desired results. 
I am kindly requesting US BANK to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Mortgage

Subject : Seeking Compensation for Unlawful Foreclosure, Denied Mortgage Modification. 



Dear Wells Fargo, I am writing to address the distressing circumstances surrounding my foreclosure and subsequent return of my property to Wells Fargo through a deed in lieu of foreclosure. The events leading to this loss have had a profound impact on my life, causing significant XXXX XXXX and financial strain and hardship. 

Despite my diligent efforts to collaborate with Wells Fargo in exploring options for a mortgage modification, I encountered a frustrating roadblock when my request was denied, leaving me unable to consider alternatives to foreclosure. Amidst this challenging situation, Wells Fargo proceeded with the foreclosure process through the legal representation of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, led by attorney XXXX XXXX. 

Concurrently, I was also encouraged by Wells Fargo to pursue a deed in lieu of foreclosure, further complicating matters and exacerbating the XXXX  I was already under, which had begun to take a toll on my work life, health, and social life. 

Additionally, Wells Fargo imposed the requirement for me to clear the title to my home, a task that proved to be exceedingly time-consuming and arduous due to the commonality of my name, significantly intensifying my XXXX  levels and further deteriorating my health and overall well-being. Despite these challenges, I managed to pursue a deed in lieu of foreclosure as an alternative to the impending foreclosure process. 

Losing the home I resided in for XXXX  years, making monthly payments of approximately {$2300.00}, has been devastating. The unethical practices within Wells Fargo Culture, including the dissemination of misleading information, mishandling of crucial documentation, and wrongful foreclosure proceedings, have only compounded the XXXX  experienced by myself and my family. 

I am aware that many individuals who have received compensation from Wells Fargo following the recent settlement feel that the offered amount is inadequate to compensate for the multitude of harms associated with foreclosure. I share this sentiment, as the impacts of foreclosure extend beyond financial losses to include substantial loss in home equity, adverse life events from a poor credit rating, significant upheaval in my personal life, including pain and suffering, and the added burden of a Chapter XXXX Bankruptcy that I am currently working through. 

Given these circumstances, I am urging Wells Fargo to acknowledge the complete impact of their actions and offer just compensation for the losses I have endured due to the foreclosure and deed in lieu of foreclosure on my home. 

I sincerely hope that Wells Fargo will take this matter seriously and address the harm caused by its actions. I have all the original documents to support everything in this letter, including the exact month, date and the employee handling the account. I look forward to your prompt response and a resolution to this matter. 

Thank you for your attention. 

Warm regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXXXXXX XXXX  Account Number:XXXX  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Debt collection

Amount of debt {$3700.00} I have called them a lot of times and they keep repeating themselves that a letter will be sent to me but never received anything from them. This has been going on for a few months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Debt collection

On XX/XX/2019, a collections account, in the amount of {$4800.00}, was opened under my social security number. To date, I have received NO contact from this creditor or collections agency, notifying me of debt obligation. After becoming aware of this account on my credit report, I attempted to reach out to the original creditor and collections agency with no success. I was informed that I would need to be in contact with the company 's fraud department which was not open at the time of my call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  improperly charged off a paid off account and refuse to give proper supporting documents
Product: Credit card or prepaid card

Synchrony bank lowered my credit limit for my XXXXXXXX XXXX XXXX card. 
I believe this is unfair as it hurts my credit by causing the account to have a higher usage ratio compared to my credit report from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced the cyber security incident one of the largest in history unauthorized data breach occurred from mid XXXX XXXX- XXXX XXXX. The incident was discovered by equifax XXXX  XXXX. My data was breached from mid XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing another complaint because nothing is getting done. I want all documents that I have signed giving you permission to report anything on my credit and this is per 16 USC 1681b ( a ) ( 2 ). I also want to know where you got my bankruptcy information since the court clearly states they do not report, I will be filing for identity theft. I also want you to delete all names on my profile other that XXXX XXXX as this is the only name I have ever used on any document I have ever signed. My next step will be a lawsuit.
Product: Mortgage

On XX/XX/XXXX, we had a closing on a Revese Mortgage on FHA XXXX. XXXX. A check in the amount of {$220000.00} was sent to HUD and cashed by the HUD on XX/XX/XXXX. 
( See Attached ). To this day the Department of Housing and Urban Development and their servicer CompuLink, Corporation have not executed a Satisfaction of Mortgage. 
This property has been sold and the open reverse mortgage still showing on title. 
It has been 10 months that the Reverse Mortgage was totally pay-off still showing on the property as a lien. 
I called FHA about 10 times, I received an email from CompuLink Corporation that it was sent to recording since XX/XX/XXXX. 
Total lie, I was today in XXXX XXXX XXXX XXXX to get a certifified copy of the Satisfaction of Mortgage and there is nothing recorded or sent to recording from CompuLink, Corporation related to this matter. 
So clients got hurt, their rate expired and now there are paying more in their purchase due to this inapropiate behavior form HUD and their servicer. 
Please help me to correct this issued. This is about making homeownership easy and affortable. 
Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report and I'm unsure of the reason. I routinely checked my credit report and noticed unexpected discrepancies this time. After refreshing my browser to rule out a malfunction, the unauthorized inquiries were still there. Therefore, I am asking for a thorough review of the documents I've submitted to resolve this concern permanently.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Darte of Birth XXXX  this Cfb complaint has been filed pursuant to to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that you XXXX credit reporting agency, Trans Union Credit Reporting agency and XXXX Credit reporting agency block any information appearing in my consumer credit report that is a result of identity theft and fraud with in 4 business days if you receiving this complaint This Fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX XXXX the private account XXXX, XXXX on XXXX XXXX, XXXX the private account XXXXXXXX XXXX XXXX XXXXk XXXX XXXX , in the private account XXXXXXXX XXXX XXXX on XXXX XXXX, in the private account XXXX and a cell phone in the company XXXX on XXXX XXXX in the private account XXXX and an Auto Loan in XXXX XXXX XXXX on XXXX XXXX in the private account XXXXThese accounts have resulted in several hard inquiries and fraudulent collections appearing in my consumer FICo credit report. I do not recognize these accounts and they were not insisted by me. I have attached a copy of the FtC criminal report that List all these fraudulent accounts ftc XXXX I am requesting that pursuant to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that XXXX Credit Reporting Agency block all of the accounts, collections and hard inquiries identified in this CFB complaint from my consumer credit file with in 4 days of receiving said complaint. I request that all written confirmation regarding this CFB complaint be sent to me via email to the email address XXXX XXXX
Product: Checking or savings account

Dear First National Bank, I am writing to express my deep disappointment and frustration regarding an unjust charge that appeared on my account on XX/XX/23. Specifically, I was charged a returned item fee of {$29.00} for a failed deposit transaction that resulted in the funds being returned to my checking account. I strongly believe that this fee is unfair and unjustified, and I kindly request that you rectify this situation promptly. 

On the aforementioned date, I attempted to deposit money into another savings account using my First National Bank checking account. Regrettably, the transaction encountered an issue, and the funds were returned to my checking account. To my dismay, I discovered that First National Bank had charged me a substantial fee of {$29.00} for this simple and unintended transaction reversal. 

While I understand that financial institutions may have certain policies and fees in place, I fail to comprehend why a significant fee was imposed for a transaction that did not successfully complete. It is important to note that I did not intentionally initiate the return nor did I engage in any unauthorized or deceptive activity. It was an unintended outcome resulting from a technical glitch or a temporary disruption in the system. 

As a loyal customer of First National Bank for several years, I have always appreciated the services and support I have received. However, this unexpected charge has left me feeling frustrated and disillusioned. I believe that as a valued customer, I deserve fair treatment and transparency regarding fees imposed on my account. 

In light of the circumstances, I kindly request the following actions to be taken : Refund : I request an immediate refund of the {$29.00} returned item fee that was erroneously charged to my account. 

Policy Review : I urge First National Bank to review its policies and procedures regarding returned item fees. Charging a significant fee for a failed transaction that was beyond my control appears unreasonable and disproportionate. It is essential for the bank to ensure that its fee structure is fair and aligns with the best interests of its customers. 

Customer Service Improvement : I suggest that First National Bank focuses on enhancing customer service by providing clearer information regarding fees and charges associated with account transactions. It would greatly benefit customers if the bank proactively notifies them about potential fees, ensuring transparency and informed decision-making. 

I hope that First National Bank will take my complaint seriously and promptly address this matter to restore my confidence in your services. I have always regarded First National Bank as a reliable and customer-oriented institution, and I trust that you will resolve this issue to my satisfaction. 

Please contact me at the phone number or email address associated with my account, as provided in your records, to confirm the actions taken or if any further information is required. I appreciate your attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries own my report requested own XX/XX/2021
Product: Debt collection

I am appalled by the egregious conduct exhibited by Eastern Account Systems. This organization has admitted to a Federal Agency on XX/XX/year> that they knowingly, willingly and intentionally violated the codified rules of the FDCPA by failing to validate the debt before reporting it to the credit reporting agencies. 

Despite a clear cease and desist order, they have also continued to harass me with calls. 

Moreover and most egregious of all, they have made no effort to remove the erroneous items from all three credit bureaus. These blatant admissions make Eastern Account Systems a XXXX Influenced and XXXX XXXX and should be prosecuted for the same. 

I have prepared litigation against this corrupt organization seeking renumeration for each violation of the FDCPA. I strongly recommend that CFPB immediately open a criminal investigation for the same.
Product: Student loan

In a response to a CFPB complaint, I received the following response on XX/XX/18 ; ... your request to exit IBR has been cancelled and reversal of interest capitalization is in process. Also, you have been approved for renewal of IBR effective with the XX/XX/2018. 

After a period of waiting for the reversal of interest, I emailed the company on XX/XX/18. Ten days later, on XX/XX/18, I was told the following : Unfortunately we are unable to uncapitalize the interest since this application was processed as per your request.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account NameXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven years.
Product: Mortgage

My loan was sold to LoanCare Inc from XXXX XXXX XXXX. The loan was completely transferred over on XXXX My homewoners insurance was due to expire on XX/XX/XXXX. I received the bill from XXXX for the new homeowners insurance and forwarded it to LoanCare to pay it. LoanCare made a disbursement on XX/XX/XXXX from my escrow account in the amount of {$880.00} for the renewal of my homeowners insurance. My initial homeowners policy document for XXXX  went out XX/XX/XXXXXXXX  and this was all transferred over to LoanCare when they purchased the loan. 
On XX/XX/XXXX, I received a letter in the mail from LoanCare stating that my hazard insurance had expired and they were going to purchase homeowners insurance for my property, and that I would be responsible for the period during which the insurance they buy is in effect for that which I do not have insurance. 
I sent them my renewed policy, which was renewed and finalized as of XX/XX/XXXX. My XXXX agent XXXX XXXX can confirm that there was no gap in coverage, and that LoanCare themselves submitted the payment of {$880.00} for the policy on XX/XX/XXXXXXXX I have a copy of the email from LoanCare with this information and a screenshot. 
I have read all the one star reviews on LoanCare, and have seen similar complaints where they attempt to sham people out of money by claiming they don't have documents, or failing to transfer documents in a timely manner such that the people who are diligent about making their payments are not only held accountable, but are scammed out of more money. 
I have never had this happen with any other servicer. I believe this company is a scam. I am going to be charged at least a month 's worth of very expensive insurance that this company went ahead and purchased, when I not only had the policy in the works since XXXX of this year and finalized timely on XX/XX/XXXXXXXX  ... ..BUT THEY PAID THE NEW POLICY RIGHT OUT OF MY ESCROW ON XX/XX/XXXX!!!! 
Please please please investigate this company. If I dont pay for their insurance, i'm sure they will turn me into collections. Read the reviews on XXXX, XXXX, XXXX... ..everyone has a horror story about these people. Again, I have been a mortgage holder for quite some time and have had many servicers. This is a first where a servicer is charging me for something already in place ( my insurance agent and I are meticulous about my policies and making sure everything is up-to-date and timely ), AND THAT THEY THEMSELVES MADE THE PAYMENT FOR!!!! 
Is there any way I can switch to another servicer???? 
We should be able to do this. I work very hard and pay my bills and mortgage in a timely manner. This to me is a blatant attempt to steal money from me. I am going to speak to an attorney this week as well. Please have them sell my mortgage and please please investigate this company. 

Thank you so much!! 

XXXX XXXX
Product: Checking or savings account

Sunday the XXXX of XXXX I received an email form TD Bank that said I had opened a bank account. I then received XXXX additional emails saying that the phone number and email was changed. I called the bank and reported to them what had happened. They told me the account was closed as of right then on Sunday the XXXX. On Tuesday the XXXX, I received another email saying thanks for choosing us again, and looks like a visa debit card was sent out. The morning of Wednesday the XXXX I called in again to report the additional email and make sure the account was indeed closed, which I was told it had been closed. I was told by the fraud department to report the incident to FTC.gov which rerouted me to this site.
Product: Debt collection

Portfolio Recovery LLC is a debt collector that acquire XXXX of my credit card accounts after closure. They have been calling family members including but not limited to my parents and friends. They have also contacted them and including myself over the weekends and utilizing threading questions to ask for my contact information. They have also used several social media profiles pretending to be clients asking " how much profit have I earned? '' This behavior from debt collection companies is supposed to be protected by law and utilize the correct proper channels to communicate.
Product: Student loan

In XXXX, XXXX and XXXX I cosigned for XXXX student loans for help my son complete his masters. In XXXX I went through a divorce, and in XXXX the after being in forbearance the loans became due. At the time my son had not found a position for employment with his degree and I was in school myself trying to attain an education I could use to provide for me and my XXXX children. My son was unable to make the payments and I was unable to afford the total amount of all XXXX loans ( the total is just under XXXX a month ). I have fallen behind on the payments several times and have reached out to Sallie Mae several times after repeatedly receiving harassing letters, emails and phone calls threatening me if I did not become current. I have pleaded with Sallie Mae to try and work with me but have been denied each time stating that " I do not make enough money to qualify for any of the programs they have available to reduce my payments ''. I continue to struggle doing as much as I can but it is never enough and the harassment continues. My son, has a full time position and is now married but Sallie Mae does not attempt to reach out to him since they have realized my son does not care about his credit score since he has his wife 's credit to be able to obtain whatever they may need. I on the other hand, have nobody but me. I even tried to apply to consolidate the loans with another company but was denied unless I could find a cosigner. I am not in any way trying to get out of my financial obligation, I am just trying to get Sallie Mae to work with me to get the payments where I can afford them.
Product: Debt collection

The company purchased a debt illegally and is reporting derogative marks on ym credit report. XXXX XXXXXXXX XXXX sold the debt outside the state statue of limitations for medical debt ( 2year ) for the state of Arkansas XXXX I have contacted both XXXX XXXX XXXX and United Collection Bureau to let them know this is illegal and i will be pursuiting justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX FAILED TO ANSWER DISPUTE WITHIN 30DAYS AND ARE STILL REPORTING XXXX XXXX XXXX ACCOUNT NO.XXXX ANDXXXX AND XXXX. THESE ACCOUNT ARE CLOSED AND INCLUDED IN BANKRUPTCY CHAPTER XXXX CASE NOXXXX. 

AND XXXX XXXX LOAN NO. XXXX DISPUTED UNDER THE FAIR CREDIT BILLING ACT. 

ALSO, INCLUDED IN BANKRUPTCY