23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

M & T Bank is imposing unreasonable requirements to close my account. On XX/XX/2020 I sent M & T Bank a written request to close my account. M & T has refused to close my account unless I mail a notarized letter. As I explained to M & T on XX/XX/XXXX, requiring a notarized letter is unreasonable not only because it costs money I can not spare, but also because notarization would violate the stay-at-home and social distancing orders. As I had already explained to M & T, for Covid-19 related reasons I can not even visit a bank branch, much less go see a stranger or have them visit my home for notarization. It appears M & T is making up reasons to hold my account open against my written wishes, to count me as a continuing customer and charge me monthly maintenance fees. I just can't afford it. Please see my attached correspondence with M & T Bank, and thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since  XXXX ,  XXXX  I have consistently requested that  XXXX  produce documentation ( proof ), that  XXXX  has in fact re-affirmed my mortgage loan to the NC courts and credit bureaus.  XXXX  has repeatedly sent duplicate information to CFPB and will not send the requested documents stating the re-affirmation. Under the Fair Credit Reporting A ct 15 USC S 1681i.  It is the law that  XXXX  produce a ( procedure in case of disputed accuracy ). Additionally I request a  Promise to  report payments in writing. As I have researched this issue, I have learned that this is common practice among  XXXX , which in turn  XXXX  continues to fraud mortgage holders after a bankruptcy.  XXXX  has a practice of not re-affirming the loan and floods the CFPB with constant duplicate paperwork as justification to said fraud. It is my hope as I state once again, for  XXXX  to  1 ) P roduce documentation Under the Fair Credit   Reporting Act 15 USC S 168i.
2 ) Produce documentation of Promise to Pay in writing.
3 ) Produce documentation of Re-affirmation of my loa  n after bankruptcy   XXXX  .
Product: Student loan

They have been calling me at all hours for months. Sometimes multiple times a day. This morning at XXXX XXXX I received a call and a voicemail from a woman who sounded all to happy to inform me that this would be the last time which I feel indicates a threat of some sort. I work for legal aid I barely make enough to pay my rent. The harassment is making my prescribed XXXX and XXXX worse and its making it hard to go to work. I took this morning off because this call induced a XXXX XXXX. 

Also these calls almost always begin within XXXX minutes of me being on my cell phone, so Im terrified that they are using some sort of spyware to monitor me and selling my information. I get dozens of calls weekly from unknown, clearly corporate numbers. Sometimes they pretend to be local from my hometown, college town, or current city.
Product: Student loan

XX/XX/XXXX Payment of {$1500.00} made to MOHELA. Received confirmation XXXX from Mohela. Payment was never posted.

Contacted multiple times throughout the summer and told it would take up to 90 business days to post.

Contacted Mohela once 90 business days was up around XXXX and was told they will officially file as missing payment. Submitted bank statement and payment confirmation to them through upload feature in my account. 
Attempted many callbacks but wait times were over 1 hr many times I tried to call. Times I was able to get ahold of them they said they were working on locating the payment but did not provide any further information. 
Emailed in XXXX, received word back XX/XX/XXXX that they would expedite the search for my missing payment. 
XXXX Attempted to call for update, waited on hold for 2.5 hrs with no answer. Payment has not posted as of this date.
Product: Student loan

On XX/XX/XXXX I first contacted MOHELA to see how I could lower my repayment and still have the payment qualify for PSLF. I was advised I should move to the standard repayment plan saving over {$100.00} per month, and I requested the switch. When the statements finally came out in the beginning of XXXX my payment had not been adjusted. I called on XXXX and spoke with XXXX, he also seemed surprised it had not yet been processed, and said within a few days it should be completed and I can view the adjustment online. On XX/XX/XXXX this has still not been updated. I attempted to call their customer service line again and requested the call back option. It has now been almost 4 hours and I have not received a call back. I found a fax number for MOHELA and submitted my request/complaint there on XX/XX/XXXX, but I have no faith in their customer service at this juncture. Please assist in helping my payment get lowered prior processing on the due date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a recent data breach, I believe these accounts and inquiries may be linked to unauthorized activity, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit information from potential fraud. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XXXX XXXX XXXX XXXX XXXX XXXX attempted to intimidate me into paying for a reported balance for alarm monitoring service that I was no longer receiving from them. I was under contract with another agency as I explained to them. They threatened placing a delinquent account on my credit report which they eventually did. I filed a complaint with the XXXX ( complaint # XXXX ) after researching this tactic as a common predatory motive of XXXX XXXX XXXX with unsuspecting consumers. It caused my credit score to drop substantially so I filed a dispute with XXXX. I was awarded relief by XXXX as XXXX XXXX was not able to provide a written contract and obligation of payment. The delinquent report was removed from my credit report and my credit score restored to XXXX.Recently I discovered XXXX XXXX XXXX sold the bogus collection to ZIONS DEBT HOLDINGS and they attempted to collect. I advised them I did not have an account with XXXX XXXX and they threatened to place the account in collections and report it to the credit reporting agencies. I explained to them I had already satisfactorily disputed the issue with XXXX XXXX fraudulently reporting a delinquent account with XXXX. ZIONS DEBT HOLDINGS still reported the same account as delinquent to XXXX and now I'm going through the same process of having the derogatory mark removed from my credit report and my credit score restored to above XXXX. ZION DEBT HOLDINGS is also attempting to collect interest to add insult to injury. I have always honored my financial obligations as evidence by my excellent credit score. I am asking that these ruthless, predatory agencies be investigated and levied appropriate consequences. This has to stop
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Customer Service, I am writing to formally dispute inaccurate information contained in my credit report Upon review, I identified discrepancies regarding an account reported under XXXX CO DA with account number XXXX, which I believe to be incorrect. 

Disputed Account Details : Creditor Name : XXXX CO DA Account Number : XXXX Reported Balance : {$51000.00} Account Status : Past Due ( 120+ Days Late ) This account is inaccurately reported for the following reasons : 1. XXXX XXXX Credit Bureaus : This account does not appear on my XXXX or XXXX credit reports, both of which confirm that I have XXXX outstanding debt. Given this inconsistency, I request verification of this debt. 
2. Payment History Discrepancy : My TransUnion report lists 35 late payments and a XXXX past-due status as of XX/XX/XXXX. I dispute this claim and request detailed payment records, including all transaction dates and amounts. 
3. XXXX Credit File Status : My XXXX report, dated XX/XX/XXXX, states that I am classified as a fraud victim and have a security freeze in place. This raises concerns about the accuracy of this reported debt. 

Requested Action : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information. I formally request the following : A detailed verification of this debt, including account history, payment records, and any documentation proving its validity. 
If verification is not possible, the removal of this account from my TransUnion credit file. 

Supporting Documents Enclosed : A copy of my TransUnion credit report, with the disputed account highlighted. 
Copies of my XXXX and XXXX credit reports, confirming the absence of this debt. 

Please complete your investigation and provide a written response within 30 days, as required by the FCRA. You may contact me at the address listed above or via email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Last XXXX Digits of XXXX : XXXX
Product: Mortgage

In XXXX we refinanced the house for {$190000.00} with GMAC Mortgage. We refinanced again in XXXX to take advantage of the interest rate drop again using GMAC Mortgage. 

In XXXX refinanced a second time with a mortgage for {$170000.00} to satisfy the amount remaining on the mortgage from XXXX, which we had been paying on for XXXX  years. However, during that refinance process no " satisfaction of mortgage '', " lien release '' or " discharge of mortgage '' for the XXXX mortgage for {$190000.00} that was filed with the XXXX XXXX XXXX of Deeds ( XXXX, Massachusetts ) so it appears that we have two mortgages on our property.

We have been trying to work with XXXX to see if they can help and they referred us to GMAC ( not helpful ). My attempts to contact Ally Bank have not been successful since they do not recognize my SS # or the loan number I have. I have also spoken to the XXXX XXXX XXXX XXXX XXXX, who are listed on the settlement statement ( HUD-1 ) document. After explaining the issue, they checked their archives and said they did not have a discharge statement even though the body of the HUD-1 indicates that the Principle Balance Of Payoff Loan to GMAC MORTGAGE LLC PAYOFF was XXXX. The person I spoke with at XXXX XXXX speculated that because GMAC Mortgage and Ally Bank were the same entity with just a name change it is likely the process was handled internally and the discharge of mortgage was not processed and recorded with the County Registry of Deeds. I submitted a complaint with the Federal Reserve Consumer Help Center about Ally Bank because I have not been able to get through to a person to request assistance with this problem, their response " Please be advised that the entity you are inquiring about is subject to oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. Which is why I am now filing a complaint here.
Product: Credit reporting or other personal consumer reports

I contacted XXXX Funding, a DEPT COLLECTOR with NO CONTRACT, on multiple attempts requesting validation of in accordance with 15 USC 1692g which the company never responded to. On XX/XX/XXXX, I sent out these notices attached below notifying the company of my intent to arbitration due to their default and violation of the FDCPA specifically : 15 U.S.C. 1692g ( a ) - ( b ) ( Validation of Debts ) : They have not provided adequate documentation or explanation verifying the debts legitimacy despite my timely dispute. 
15 U.S.C. 1692d ( Harassment or Abuse ) : Continued collection efforts without proper validation or investigation of my dispute could be construed as harassing or unfair.

15 U.S.C. 1692c ( Communication in Connection with XXXX XXXX ) : They have seemingly ignored my requests for cessation of collection activities until the debt was validated, as outlined in my affidavit. 
Please see the attached affidavit for the detailed breakdown. 

I received a very brief response from the company stating " I received your request. Here 's an account summary which validates the debt. '' In which the account summary they provided did not validate the debt at all according to 15 USC 1692. The company ignored my detailed response of showing how reporting the invalidated debt is noncompliance of the FDCPA. I requested cessation of collection affect which also include reporting the information to my consumer report, which they were noncompliant by still reporting. I also broke down how they are committing aggravated identify theft and they still continue to report. 

The company is showing no remorse for their actions as I continue to support due to these collections appearing on my report WITH NO PERMISSIBLE PURPOSE. Additionally, the company responded with a general letter. Affidavits must be rebutted by affidavits, arguing point by point. If an affidavit is not responded to it in fact stands true in commerce and as of now, XXXX provided no affidavit in response and continues to violate the FDCPA. Please see attached documents for great detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone attempted to apply for a mortgage with my SSN. I have a hard inquiry on my XXXX  credit report for a mortgage through Huntington Bank for XX/XX/2020 that I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis nexis violated FCRA 15 usc 1681 while working with XXXX XXXX XXXX. Lexis nexis had removed the files pursuant to violating the fcra. I have sent lexis Nexis a invoice for willfully violating me. I demand that the invoices i paid in full in 10 days. and {$100.00} late fee for each day it is not paid after.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.
Product: Debt collection

My information was negatively impacted by the XXXX XXXX XXXX. There are accounts that does not belong to me nor did i open the accounts. Due to the data breach my personal information got into the wrong hands. I've also attached proof that I was a victim of the XXXX XXXX breach and also received a settlement because my credit was negatively affected.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$22.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

In XXXX and XXXX I was customer of wells Fargo Bank and they have me pay same fee that not was in the contract first time of opening the account, Which makes me move to XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since Wednesday XX/XX/XXXX Ive been trying to make a new account on Experian and when I do it keeps redirecting me to an email and number that has no association with me what so ever. I have called Experian customer service number and I only get an automated voice. They have no other number no other information and this is really stressful because I dont know whos using my information and for what. Experian is no help when it comes to customer service support
Product: Debt collection

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Experian credit reporting agency XXXX and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, and XXXX XXXX XXXX XXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Trans Union reinserted XXXX XXXX XXXX acct. XXXX which is a voilation of the FCRA. Under policy U.S.C 1861i ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) )