23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After further research on my mortgage I found out that the company that I signed the promisorry note with XXXX XXXX is a dead company is inactive through the secretary State and XXXX XXXX transfered my loan illigally to US BANK MORTGAGE without my knowledge cause I never contracted with US BANK MORTGAGE.I filed a lawsuit to make the bank provide the original promissory note .They did not .They never provided it 3 days before the case could be defaulted the bank requested a transfer of case by their lawyers .A way to manipulate the system XXXXA way of getting more privilege with the court they are well known. 

US BANK Lawyers has illegally transfered the court case where they can be favored. 

US BANK MORTGAGE buying mortgages and foreclosing on homeowners who are actually the righful owner of their home. 

Homeowners are protected under the consumer law .Its illegal for any Banks to foreclose on anybody 's home.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX AND  XX/XX/2018 - 30 DAYS LATE ... .. 

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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  FL XXXX XXXX : XX/XX/year> Last XXXX of XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date : Re : REMOVAL FROM CREDIT REPORT This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation, not a cursory statement bearing my signature, showing that I have or had some contractual obligation to pay you. 
Please also be advised that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company for this account is a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act ( FCRA 609 & 623 ) if the debt remains unverifiable. If you can not validate the debt, you must request removal of credit reporting agencies to correct this reporting. 
Pending the outcome and investigation of any evidence that you submit, you are instructed to take no action that could be considered detrimental to any of my credit accounts. 
Failure to respond within 30 days of receipt of this certified letter will result in an immediate legal action including an official complaint with the FTC and CFPB, as well as seeking up to {$1000.00} in damages as outlined by FCRA regulations. 
You may be in violation of : 1. Fraudulent Use or Misuse of Identity Theft 2. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in court in your local law site, since you are clearly doing business in my state.

Per the provisions of 15 U.S.C 1692 et seq., this notice has the same effect as a dispute to the validity of the debt. Please note that this is an attempt to correct your records. 
Please also be aware that an attorney is reviewing this matter, and any information concealed from you will be considered a willful violation of federal and/or state law, if necessary. This is to serve as further evidence of my attempt to seek a statement, citation, or waiver of status. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Adjustment Bureau has violated HIPAA Laws. I ask them to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want the accounts to be deleted off of my credit reports immediately. I have already contacted the credit bureaus and informed them they are in violation of my medical privacy also! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!
Product: Checking or savings account

I deposited a reimbursement check FROM THE STATE OF NJ, VIOLENT CRIMES COMPENSATION BOARD reimbursing me for relocation costs. This money is being held for 7 days according to Bank of America. The check stub has a DIRECT # that can be contacted to VERIFY THE CHECK. I need this money NOW!!! I cant buy food right now because of the ignorance of this bank. Ive been a customer for 28 years!!! That ends now! I was NOT made aware that this check would held FOR 7 DAYS BEFORE DEPOSITING IT!!!! I would have went to another bank where I have an account!!! BOA is simply collecting interest on MY MONEY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Also refer to pending CFPB Complaint # XXXX. 

After the death of my spouse in XX/XX/XXXX, I discovered that Navy Federal had blocked me from any access to mortgage information. Their justification was that since the initial mortgage processor, XXXX XXXX, deleted my name from the account because it was my husband 's VA guaranty certification that was being used ( not mine. ) I continued to research the issue, including determining that a previous VA-related mortgage with Navy Federal under the same circumstances maintained my status as a co-borrower. I recently located the loan documents for the current loan that Navy Federal personnel have blocked me from and which Navy Federal has refused to include in my credit report for on-time payments since XX/XX/XXXX. The certified/recorded loan documents, including the loan, Deed in Trust and VA addendum all contain my initials, my typed name and my signature in addition to my signature as attorney-in-fact for my husband. 
Navy Federal personnel for four months have refused to acknowledge or repair the damage from their failure to process or service the mortgage documents properly, including credit reporting on my file and providing online and all other access to the current mortgage. 
Over these months, not one of fourteen online and branch employees-including the 'Survivor Relations Counselor ' could be bothered to even research the documents that clearly illustrated Navy Federal 's error. 
It was easier for all personnel, especially mortgage supervisors, to threaten and pressure me to apply for a new mortgage instead of the VA-directed correction of a surviving spouse assumption. 
There is no excuse for such systemic, corporate-approved deliberate negligence and misfeasance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for a credit card I decided to check my credit report and I see a significant amount of unauthorized inquiry 's on my report. The following unauthorized inquiry 's are : XXXXXXXX XXXX XXXX. Which is not even connected to an open account.
Product: Mortgage

I am uploading this letter which covers all the problems that I have had with Flagstar mortgage Company! This was sent to the loss mitigation department as of XX/XX/XXXX. Thank you.
Product: Credit card or prepaid card

I have had the American express blue card for over 8 months with a perfect pay history and an average fico score of XXXX for this period. My credit limit was initially {$10000.00}. approximately 2 days ago, X/XX/2017 I received and e-mail from American Express stating they have lowered my credit limit from {$10.00}, XXXX to {$1400.00}. I called to ask why considering my perfect pay history and never utilizing for than 9 % of my credit available and was told it had nothing to due with pay history or responsible use of the card but a automated financial review system decided that I should have XXXX credit line without any notice or contacting me in advance. this has caused my credit score to drop because my account utilization has gone from 9 % to over 80 % because of this decision without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  HAS BROKEN THE LAW!!!!!! 

I am writing to dispute the inclusion of XXXX on my credit report. I provided evidence to the CFPB, including an XXXX  report, that this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). 

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible If the information presented in the complaint is inaccurate? This is ground for removal. According to 15 USC 1681 section 602A, I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account as late for any purpose. 

The information on this account is not 100 % accurate, as required by the FCRA. The dates for " Date Opened '' and " Last Active '' are different with all three credit bureaus. I have provided proof of this in the attached XXXX  report when I made the complaint. To make things more evident, I have also attached the entire complaint and company response along with the exact report that was attached to the initial complaint. 

I request that XXXX be removed from my credit report immediately, as they have not followed the proper procedures and have violated my consumer rights. I also want to note that I have not given written permission for XXXX  to report anything to my credit report. 

Thank you for your attention to this matter. 

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

I am member of the class of federal student loan borrowers covered by the recent settlement of the Sweet v. Cardona ( " Sweet '' ) lawsuit. I submitted a Borrower Defense to Repayment discharge application relating to my federal student loan ( s ) on or before XX/XX/XXXX, and it was approved. Pursuant to the Sweet v. Cardona settlement, this account must read " Paid Satisfactorily '' and ALL ( past, current, future ) fraudulent payment information is to be updated to " paid on time ''. I have also attached my dispute letters from XX/XX/XXXX that were sent to XXXX and XXXX
Product: Prepaid card

This merchant is XXXXXXXX XXXX sent emails & email address not listed its a scam. They mislead & fraudulent website for XXXX. 

The company card used where I disputed for the XXXX is Netspend Thank you in advance for any help you can offer
Product: Credit card or prepaid card

On XX/XX/XXXX I bought my wife a pearl necklace for {$320.00}. The first time wearing it, the necklace fell apart. The warranty per the jewelry saleswoman was 180 days. It was reported with 90 days regardless. XXXX XXXX credit card has refused to investigate my dispute on more than one occasion despite saying they will investigate and to deduct the amount. But they neither investigate, nor deduct the amount. I really don't know what's going on here. I spend thousands a year at XXXX XXXX, am a Platinum member and cardholder since XX/XX/XXXX. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I was contacted by an attorneys office XXXX INC about a debt owed to XXXX University. This debt is not my debt. Also the monies owed were sent to this agency/office that has not provided details of the debt. I deserve details broken down of where this amount is generated from. Debt should be described in detail to the party that owes the debt. Not a one page letter sent showing only the amount in total. This amount could come from anywhere and anyone wanting someone like me to give them money. I am also filing complaints against XXXX University for reporting this information if they did in fact do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX PM ( 2 days ago ) to me Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, I would like to file a complaint on Great Lakes Account # XXXX in the amount of a {$27000.00} Student Loan, I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b ) 15 USC 1692 ( b ) Acquisitions of location information Violations Debt Collector has violated my rights by speaking a relative and providing them with information regarding this debt advising. This violates 15 USC 1692 ( b ) ( 2 ) I have provided this company with a Cease & Desist Letter as well as requesting validation of debt.
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 federal Protected Consumer Rights to privacy and Confidentiality under 15 USC 1681 Account name : XXXX XXXXXXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Amount : {$6400.00} XXXX XXXX Account # XXXX Date Opened : XXXX XXXX Amount : {$1000.00} XXXX XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$3700.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Amount : {$23000.00} XXXX XXXX XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Amount : {$19000.00} has violated my rights. 15 U.S. c 1681 section 602 A States I have the right to privacy. 15 U.S.G 1681 section 604 A Section 2 : it also states a Consumer reporting agency can not furnish an account without my written instructions. 15 vis. 1681 c ( aX5 ) section States no consumer reporting agency may take any consumer report containing any of the following items of information any other than records of convictions of Crimes which antedates the report by more than seven years. 15 US. C 16815 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. privacy and Confidentiality under 15 USC 1681
Product: Student loan

Payments are being reversed with no explanation causing me to be delinquent on my payments.
Product: Checking or savings account

Capital One is trying to steal my money! I've had an account with Capital One for years, both savings and checking. All of my paychecks, tax returns and stimulus checks and any other checks I received were deposited into their bank. On XX/XX/21, I received a pension check from a government agency. It was dated XX/XX/21. They had my name spelled wrong on the check. I don't know what other problem there was but they couldn't verify the check. So, the first two customer service agents in their " PROTECTION DEPARTMENT '' only denigrated me and put me on terminal holds. The third one tried to call the government agency but they were already closed and were closed the next day for the holiday. That was XXXX. This is XXXX  I've been on hold and talking to people for nearly XXXX hours. All they need to do is verify the check with the government agency but no one is willing to do that. They say they can't release the freeze on my account without verifying the check but they won't verify it. After reading the horror stories on here, I'm extremely concerned about getting my money. I have bills to pay. They told me to wait for it to go to an investigator then they would close my account and send me a check and many people on here said they never received a check. So, I think they're trying to keep my money.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and as a result, inaccurate and unauthorized accounts have appeared on my credit report. These accounts were not opened by me, nor did I authorize any activity associated with them. 

I discovered these inaccuracies on my credit report after [ briefly explain how you noticed, e.g., reviewing my credit report, being denied credit, etc. ]. I have already taken steps to address this matter by filing a report with the Federal Trade Commission ( FTC ) and submitting a police report to document the fraudulent activity. 

The fraudulent accounts include, but may not be limited to, the following : Account in Dispute : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1300.00} Account in Dispute : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$460.00} Account in Dispute : XXXX XXXX Account Number : XXXX Reported Balance : {$140.00} Account in Dispute : XXXXXXXX XXXX Account Number : XXXX Reported Balance : {$820.00} I am submitting this letter in accordance with Section XXXX ( b ) of the Fair Credit Reporting Act, which allows for the removal of information resulting from identity theft when sufficient proof is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of ED/XXXX . This was the first time I was aware of payment being required as the Department of ED/XXXX  never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. 

I submitted hardship letters to the Department of ED/XXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. The Department of ED/XXXX has still not granted me a goodwill request even thought the account has been paid. I have also submitted in total 4 disputes to their company. The first two disputes I did receive notification via mail that the request had been denied. I have also submitted two additional request and they have not informed me of the results or action tokened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked all 3-credit bureaus to do a thorough investigation on all of my accounts in which they did, and they have stated everything was accurate. I then reviewed the reports on my own and discovered that there are improper inaccuracies on my credit reports. 

The account and payment history that I found to be inaccurate is : Discover Bank, Account number ending in XXXX They have stated that this account belongs to me and I have notified them that it does not belong to me and asked that it be removed entirely from all 3 of my credit files. 

In accordance with the Fair Credit Reporting act, Discover Bank Account ending in XXXX has violated my rights.

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have provided all proof and documentation showing that these items need to be taken off my report they have been removed from XXXX and XXXX I would like Equifax to do the same
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX had been taken ill and I sent in a payment to XXXX XXXX XXXX the payment was sent back due to an error I explained that I had been ill and had put it in the portal and there was an error that put me now behind. I was explained by the servicing company that I could make a payment plan through a Covid program under the cares act. I had made an agreement that I have kept and made all the payments. XXXX continues to report erroneous reporting and is not correct all payments are and have been made correctly XXXX continues to report erroneous information which is damaging my credit at this time.
Product: Debt collection

On XX/XX/2018 at XXXX XXXX EDT, I received a phone call from XXXX with Atlantic Credit & Finance. When I picked up the phone she said " XXXX? '' and I said " yes? '' At this point she proceeds to say she is with Atlantic Credit & Finance and that they have purchased my XXXX Credit Card account and gives me the balance due. She does not verify my DOB, last four of my SSN, or even say my last name. At this point I explained to her that she has violated the FDCPA by failing to confirm my identity and could've just committed a third-party disclosure. She said that she didn't do that and she doesn't have to confirm my identity. At this time I told her I have an attorney and she should know that because XXXX was aware of it prior to selling the debt to Atlantic and that it's probably in their file. She wanted the attorney 's information to continue collection efforts. At this time I told her she is to cease and desist all contact with me and that I will not be providing her with my attorney 's information based on her inability to verify my identity prior to disclosing the debt information.
Product: Payday loan, title loan, or personal loan

Trying to get a hold of fifth third bank, regarding about the early access plan I had years ago with them I owe XXXX I have been trying to reach out to get this payment settled & removed from my credit. I keep getting the run around I have called 2 collection companies and fifth third itself. Proof is that XXXX XXXX has my number and the times Ive called in there system as of XXXX XXXX I sent letter regarding a pay for delete and was ignored.