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

Please Please Please Help Me I have submitted dispute letters to XXXX XXXX asking for incorrect and inaccurate information to be investigated and removed. THEY WILL NOT COMPLY with the law of FCRA. its been 45 days and no response. i have asked for names/addresses of entities reporting inaccurate info on my consumer report for 3 years now and i haven't been given no response to my request. Example : if XXXX Co submits reports on me then i need to know its XXXX XXXXand there address and phone contact. Equifax responds to me 3 months later after i requested a investigation into a child support on my consumer report with " The Child support on your report has not been changed because the Company '' that reported it verified its accurate ''. Child support doesn't submit ANY info to consumer credit bureaus. So who is this " Company '' Equifax is referring to. AND WHY IS EQUIFAX BEING SECRETIVE ABOUT WHO IS REPORTING INACCURATE INFO ON MY CONSUMER REPORT. AFTER I HAVE ASKED FOR INFO/COMPANY/ADDRESS/POINT OF CONTACT BUT EQUIFAX IS REFUSING/AVOIDING TO FURNISH THIS INFO TO ME THE " CONSUMER '' Equifax SOLE PURPOSE IS TO FURNISH UNVERIFIED INFO ON A CONSUMER REPORT WHERE ITS A VIOLATION OF THE LAW CAUSE THEY ONLY SEEK A PROFIT FROM REPORTING. CAN YOU PLEASE HELP ME OR PLEASE PLEASE PLEASE REFER ME TO LEGAL COUNSEL ASAP. ENOUGH IS ENOUGH. I REFUSE TO LET EQUIFAX TO CONTINUE RUIN MY LIFE FOR FAILING TO " OBEY THE LAW ''. i HAVE ATTACHED LETTER THAT I SENT OFF ON XX/XX/2022 AND IT IS NOW XX/XX/2022 AND STILL NO RESPONSE. AND IF I DO RECEIVE ONE IN WILL BE NEXT MONTH AND THEY WILL NOT INCLUDE ANY INFO I ASKED FOR. ONLY EVASIVE ANSWER SUCH AS " '' The child support on your report has not been changed because the Company '' that reported it verified its accurate '' I NEED TO KNOW WHO THIS " COMPANY '' IS SO THAT I MAY ADDRESS MY GRIEVANCES WITH THEM AS WELL AS EQUIFAX .PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous times concerning this address XXXX XXXX. Each time they dispute it and I'm being told it's being removed its never done. I have authenticated my information numerous times and still they can't seem to get it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602A : 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

Qualified Written Request, Debt Validation Request and demand under TILA disclosre to provide name and direct contact information for the Creditor who hired XXXX XXXX XXXX XXXX, formerly known as XXXX XXXX, XXXX XXXX who on XX/XX/XXXX fabricated and filed forged Assignment where XXXXXXXX XXXX  XXXX XXXX XXXX XXXX for XXXX XXXX allegedly paid {$XXXX} and other valuable consideration to a registration system XXXX. 

Identical assignment -but dated XX/XX/XXXX, XXXX years earlier, was prepared and filed with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX 

XXXX XXXX - whom I contacted many times - denied its involvement in my transaction or any payments of {$XXXX} to XXXX or any other " valuable consideration '' On XX/XX/XXXX XXXX XXXX XXXX lawyers filed foreclosure case XXXX and in XX/XX/XXXX sold it via XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX my property was sold to a bona fide buyer XXXX He who apparently paid {$XXXX} cash for my property On XX/XX/XXXX I received " Notice of Servicing Transfer '' from Specialized Loan Services, XXXX who XXXX from XXXX payments for my property which was sold in XX/XX/XXXX XXXX XXXX & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX debt XXXX XXXX FDCPA and part of servicing team, thus Servicers under RESPA. They also obligated to provide disclosures under TILA who is the owner of my alleged obligation, who paid {$XXXX}, who received {$XXXX} and that was the amount of other valuable consideration Please disclose if XXXX XXXX XXXX XXXX, formerly known as XXXX XXXX, XXXX XXXX received documents and instructions from named XXXX XXXX Bank XXXX If they did not received it from XXXX XXXX, then who provided documents and instructions? 

Please disclose the source from which XXXX XXXX XXXX XXXX, formerly known as XXXX XXXX, XXXX XXXX received a forged COPY of my promissory Note which their lawyer XXXX XXXX presented to Judge XXXX as " original '' and the name and contact of the XXXX who provided this Note to lawyer XXXX and supporting documents evidencing delivery of my Note to XXXX Please disclose that lawyer XXXX did with this Note after hearing. Did he returned it to this custodian? Please provide me a copy of supporting documents [ must be either personal or certified mail, if XXXX claimed it as " original '' - evidencing return of my Note back to the custodian who must sign a confirmation upon the receipt. 

Please disclose who was entitled to receive and who actually received proceeds {$XXXX} after my property was sold to XXXX He in XX/XX/XXXX Please provide a copy of the retainer Agreement between XXXX XXXX XXXX XXXX, formerly known as XXXX XXXX, XXXX XXXX and XXXX Bank or any other party evidencing that they were hired and authorized to conduct foreclosure on my property. 

Please provide me the name and direct contact information to the authorized employee of the XXXX who has personal knowledge about XXXX 's activities ; who can verify providing documents and instructions-
Product: Mortgage

Greetings, On XX/XX/XXXX, PHH, sent written correspondence regarding my efforts of discharging the debt. 

Please see attachments below. ( TILA/RESPA requests ). 

The rules of engagement are simple, reasonable, lawful, and legal ( written in the affidavit ) : 1. I require the following answers to my reasonable questions and all answers must be answered according to the following requirements : i ) Your answers must be in accord with TILA ii ) Your answers must be truthful under oath under penalty of perjury iii ) Your answers must be with a wet-ink signature and title of the representative iv ) Your answers must be sent with delivery confirmation v ) Your answers must be in plain, easy to understand language with a definition of all words used in your answers vi ) Your answers will be reviewed by my attorney vii ) I require your answers within ten ( 10 ) days of your reception of this inquiry viii ) Send your response to me with delivery confirmation Also see FAS 140 ( detailed ) attached. FAS 140 was created to govern the sale and securitization of a negotiable instrument. Im afraid theirs been security fraud somewhere along the lines of my mortgage and Im seeking to satisfy what is legally expressed as a debt. From the permanent conversion executed, Im simply seeking whats fair by law. PHH continues to send me the Adjustable Rate Note, when Im clearly requesting the ORIGINAL Promissory Note. Which to my knowledge doesnt exist any longer, its been sold as stated in correspondence to PHH from XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX. This is a form of double dipping security fraud. 
I now am seeking PHH to show their standing on the matter, and will seek all punitive damages from this unfortunate series of events. According To RESPA laws, theres a {$2000.00} to {$4000.00} penalty per violation. Ive been very loyal, integral and hard working, just to come to the understanding I have been taken advantage of. 

Ive taken the liberty to file a 1099a copy B ( Copy C is for my records ) which is attached as well for PHH to acknowledge. I will be certify mailing a new endorsement accepted for value, due to the last correspondence it was expressed PHH ( servicing company ) does not accept payments unless written in the original note, yet there is NO original note. Lets please work together! 

Thanks XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

FDIC has already referred this to you under reference # XXXX To whom it may concern ; Ive been trying to get help from Bank of America and was told they would escalate my case but have been giving me the run around. Because of this, my account is negative and I am past-due with my rent and other bills. I have no money to pay them! My family will literally be homeless and my car repossessed very soon! 

Last month I received a text from Bank Of America stating there was fraudulent activities on my account. I clicked on the text and then my phone rang. The person introduced herself as someone from Bank of America fraud department. The caller ID on my phone said Bank Of America. She said to protect my account would need to verify recent activities with me. She then sent a secure link for me to log into also mentioned that a security code would be texted to me ( which it was ). Then asked for the code to verify my identity. Then she reviewed some recent charges with me. She then said everything should be ok now, thank you for being a Bank of America customer. This was during the time I was back-and-forth to the hospital as my mother was there. It wasnt until my brother sent me money he owed - that I logged into my B/A online account to confirm receipt is when I noticed many XXXX transactions to names I did not recognize - totaling {$16000.00}!! Can you please help me? 

Bank of America claim number is : XXXX Fraud Department phone : XXXX Last agents I spoke with : XXXX - ID # XXXX - XX/XX/22 XXXX ( in Delaware ) ID # XXXX - XX/XX/22 XXXX ( in Texas ) ID # XXXX **said a XXXX would call back in XXXX hours but never happened ** Me and my family are running out of time as weve already been served with a Notice To Quit Please help ASAP. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are trying to buy a house so today XX/XX/20 the agent that we are working with ran our credit to see what amount we qualified for however, when my report came back there were about ten accounts with negative history that are not mine. I looked through each account and I did not open any of them. There were also many credit inquiries that were not made by me. I have never allowed anyone to open any account in my name nor did I ever give those companies permission to run or access my credit. I do not know who is responsible for all of these accounts and inquiries that are in negative standing on my credit report but I have already filed a police report and a complaint with the consumer financial protection bureau as I did not gain anything from these accounts nor did I ever contribute to any payments made towards these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called  XXXX  on  XX/XX/XXXX   he did n't find the account numbers listed no reslove
Product: Credit card

I receive a loan for a new furnace. I was told if I paid {$150.00} a month there would be no interest. I have paid this account way ahead and have been charged interest and late charges by Wells Fargo National Bank. I should not have been charged either interest or late charges. on a paid ahead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : 623 15 U.S.C. 1681s-2 Violations. 
See the document attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Mortgage

Mr. Cooper, a company that took-over my existing loan and that I did not choose, got caught taking my money, not belonging to them, but of course, stated some nonsensical excuse for the taking. It's an excuse that you would say, " Yah right. '' I made an extra payment reported by Mr. Cooper on my XX/XX/2020 statement. Even though my check that was paid between payments and clearly stated to pay on principal only, Mr. Cooper still kept the interest on this extra payment and only credited the remainder to principal. If I wouldn't have caught the company doing this, it would have made money not intended for them. 

Remember that one cockroach found, means that there are really thousands not. My voice represents many ; I am sure. Of course, I didn't get my statement dated early XX/XX/2020. It's no coincidence ; this is the first time that has ever happened. Please let me know all the ways that I can complain about this company to protect others. 

I am sure that you will do all that you can to get safe conditions for the public having to deal with this company.. Thanks for your full attention to this matter.
Product: Credit card

Today I received XXXX more phone calls from Chase Card Services. I submitted a complaint yesterday regarding the calls. Again today I had to explain when I was making the payment which should have already been in the notes. I am currently unemployed, when that happened I immediately notified them of my current change in employment status. Before my unemployment, I had a great payment history with them, as this is what I was told by the representative. I am currently enrolled in a training course that goes from XXXX to XXXX, Monday-Friday, and as a result, I can not answer my phone. But why should I if my status has not changed. They state that they will contact you every 5 to 7 days. I a representative today the exact same thing that I had told a previous representative at Chase Card Services. I am very frustrated and fill that this is harassment. When I mentioned this to the representative, she stated we have called you, but we did not speak with you XXXX times. It does n't matter. I have informed them of my efforts to make a payment, when I would make a payment and how much. I have just told another representative the same thing this evening. XXXX from XXXX, XXXX, XXXX, and the last time is was contacted was at XXXX all from XXXX, Chase Card Services .
Product: Checking or savings account

I am having an issue opening up a checking, savings, and personal loan account with Marcus Goldman Sachs. Marcus Goldman Sachs is refusing to open up any accounts for me due to me having a previous bankruptcy in my XXXX XXXX, XXXX, and XXXX credit report. Marcus Goldman Sachs is discriminating against me based on my race and me having a previous bankruptcy on my credit reports. Marcus Goldman Sachs is in complete violation of the of the Equal Credit Opportunity Act ( ECOA ) under federal law.
Product: Checking or savings account

Incurred {$5.00} account management fees on savings account, although we had been advised for several years this was not applicable due to " Preferred Client '' status. When we called in on XX/XX/24 we were refunded amount ( for XXXX ) and told on a recorded line this was a bank error as we should not have fees due to our status. The rep advise, to be safe in the future, put at least {$300.00} in account which we did the same day. The next two months we incurred {$5.00} fees again. We called in XX/XX/24 at XXXX XXXX, with no resolution and a promise to call us back to resolve. No call was received. We called in XX/XX/24 at XXXX XXXX  and talked to XXXX in XXXX. She was able to refund one of the {$5.00} fees ( for XXXX ) but was unable to refund {$5.00} for XXXX. I asked for escalation and for the call to be pulled since I was incorrectly advised. She escalated to her manager XXXX, who could do this, with the promise for resolution by XXXX. No one ever called. In mean time we incurred another {$5.00} account fee for XXXX. On XX/XX/24 at XXXX XXXX  I spoke with XXXX from XXXX  XXXX I asked to close account and get refunded for the outstanding fees. She advised I couldn't close account if I wanted my refunds. She submitted to the " backend team '' an escalated request for XXXX and XXXX refunds of fees. They were declined the next day via email. Called again XX/XX/24 XXXX XXXX spoke with XXXX from XXXX  XXXX then escalated to XXXX the manager. Manger could not and would not refund saying after the " back office ' declines there are no other remedies.
Product: Credit card or prepaid card

HAPPY MONDAY & hoping you're doing well during COVID because most of us here are struggling both personally and financially. I was shocked when I reviewed my credit report Today and found that you marked me late on my credit for being 30 days on XX/XX/2020 for 30 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

I opened an account with Marcus in early XXXX. I had an unexpected bill come and tried to withdraw money to my checking to pay for my daughters birth bill. They told me I couldnt and were extremely rude on the phone. I instructed them I want to close my account in the second week of XXXX. I was then called back and told I couldnt close my account nor get my money. I was transferred to a supervisor and was given a confirmation number and everything. The supervisor apologized, but they still did nothing. Fast forward to today and I still have no update on my account being closed, they locked my account, and still have not given me any information on when the account would be closed. I was giving seven to ten business days which passed a long time ago. I call everyday and they STILL said they had no update. Absolutely unacceptable when I have a considerable amount of money in the account. Something needs to be done, going a month and half without any information is not okay. A bank should not be allowed to hold your money hostage when a customer request the account to be closed. I have no avenue to get my money which I think seems highly illegal. The banks name is Marcus but is owned and ran by Goldman Sachs.
Product: Debt collection

I am writing to formally object to the inappropriate charges posted to my account on XX/XX/XXXX. These charges, appearing more than XXXX years after the account charge-off, represent an unacceptable business practice that warrants immediate review and removal. 

The timeline of events clearly demonstrates the impropriety of these recent charges : The vehicle was repossessed in XX/XX/XXXX, sold at auction in XX/XX/XXXX, and the account was charged off on XX/XX/XXXX, with a deficiency balance of {$10000.00}. The matter was considered settled at that time, as evidenced by your own documentation. The sudden appearance of new charges in XXXX - including disposal expenses of {$630.00}, miscellaneous taxable charges of {$340.00}, a closeout balance of {$2600.00}, and late charges of {$130.00} - is both puzzling and concerning. 

Under established banking practices and consumer protection regulations, it is highly irregular to assess new charges on an account that was charged off XXXX years ago. This action appears to violate standard industry practices regarding charged-off accounts and potentially runs afoul of consumer protection laws. 

I demand the immediate removal of all charges posted on XX/XX/XXXX, and written confirmation of this removal. Furthermore, I request assurance that these improper charges will not be reported to any credit bureaus, as they appear to lack any legitimate basis. 

If these charges are not removed within 30 days of receipt of this letter, I will be forced to : 1. File a new complaint with the Consumer Financial Protection Bureau 2. Submit formal complaints to state banking regulators 3. Pursue all available legal remedies under consumer protection laws Please provide written confirmation of the removal of these charges to my address below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to remove those items from my credit report immediately. It has been over 45 days, so the items should be deleted promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I am deeply disturbed that I recived a letter closing my complaint I am the not being repersented by anyone I have just taking the time to learn the laws and exercise my rights. Please take this complaint serious.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I filed bankruptcy in XXXX and accounts included in the bankruptcy are being reported as delinquent causing our payment history to be inaccurate.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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.

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