23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Money 's was taken from my Direct Express account XX/XX/XXXX without my authorization. I immediately made phone contact with Direct Express via Cell phone and reported the incident. Paperwork was sent via Post which I filled out and returned via the USPS. I shortly received a letter advising that my claim had been denied and case closed due to Direct Express stating that they did not receive the requested information from me. I again sent the forms on XXXX XXXX 2016 via USPS Tracking # XXXX XXXX XXXX XXXX XXXX. I received receipt conformation delivery of XXXX XXXX 2016 by XXXX XXXX. XXXX. Upon receiving the denial I spoke with Direct Express via phone in ref. to Direct Express resending the forms to me, @ which time I was advised by Direct Express that my claim would be reopen when the before mentioned forms were received by Direct Express. I made phone contact with Direct Express on XXXX XXXX 2016 and spoke with XXXX @ XXXX hrs and was transfered by XXXX and spoke with XXXX @ XXXX hrs. At that time XXXX advised me that there was no info available on the status of my claim reopened/not reopened, and who was assigned to investigate. I was also advised by XXXX that there was no time limit on how long it would take to complete (? Why was my case closed without all info received if time is not a factor? ). At that time I made a verbal request to XXXX that the current status of my claim be sent to me in writing. As of this date XXXX XXXX. I have not received my request. I am currently behind on my financial obligations, I am a XXXX Veteran and live on a fixed income. I feel as if I am being victimized all over again. I do not plan to continue with Direct Express because I no longer trust them. I went with Direct Express because the Federal Government recommend them.
Product: Mortgage

I have tried for a year to get Wells Fargo to report my mortgage on my credit and they will not. I am on time with my payments and I confirm the mortgage after my chapter XXXX was completed. The court was even paying them back payments and regular payments during my chapter XXXX. By Wells Fargo not reporting my mortgage payments they are affecting my credit rating and preventing me from getting a refinance mortgage for my property since my credit report doesn't shoe that I have the first mortgage.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , IncXXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update XXXX XXXX with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX negligently, recklessly or intentionally misreported my account as being delinquent by 180 days when it was not at all. I have filed one complaint on this already. XXXX has lied about what they have done, and the errors on my credit report ( s ) have not been fixed ( as of today XX/XX/2021 ). WHILE ON THE PHONE WITH XXXX REPRESENTATIVES, THEY HAVE INDICATED THAT THEY HAVE HARMED OTHER OF THEIR BORROWERS IN THE SAME WAY. 

XXXX may have acted alone or in concert with XXXX, the new servicer. 

XXXX 's actions have prevented me ( or have and are negatively affecting me in the following manner ) : 1 ) I am applying for jobs and they are pulling credit. My credit score has been decimated by the actions of XXXX and XXXX. 

2 ) My homeowner 's insurance rates are about to renew, and are based on my credit scoreXXXX XXXX XXXX actions will materially and negatively affect my rates, costing me up to thousands of dollars. 

3 ) Preventing me from refinancing at optimal rates. THIS IS BY DESIGN. XXXX and XXXX have acted in concert to DESTROY MY CREDIT SCORE SO I CAN NOT GET A SUPERIOR LOAN RATE WHEN THEY ARE AT HISTORIC LOWS. 

3 ) A total waste of my time. I have spent no fewer than 12 hours on this at this point. XXXX XXXX ( and XXXX XXXX ) telephone and email systems are circuitous, and designed to intentionally frustrate customers from obtaining a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on my report. I than printed out a copy of my credit report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$75.00} XXXX  XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$830.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX {$2600.00} XXXX XXXX {$400.00} XXXX  XXXX {$300.00} XXXX  XXXX XXXX {$670.00} XXXX   XXXX {$830.00} XXXX XXXX {$93.00}
Product: Debt collection

XXXX XXXX XXXX and American Coradius International have been informed of the private student loan debt being included in bankruptcy. They were both oficially notified by the court regarding the bankruptcy. They are still continuing collection efforts. They have also now posted a collections account to my credit report after the debt was discharged in bankruptcy. American Coradius International associates stated they know it was in bankruptcy are told to still collect.
Product: Mortgage

My complaint is about the deception in the wording, " covid relief '' when I had been making payments late I was offer the opportunity to take advantage of the program, at the time I was struggling, along with the entire world to make payments on basic necessities, it seemed as a revelation from God, so I didn't questioned it, as many others I was thankful, at the time I owed the bank XXXX more or less, and j thought that things were actually going to look up for me, well this year I decided to part ways with the house, since the struggling times had comeback as I was trying XXXX fix the house to sell it, I was ready to part ways in an as-is condition, willing to walk away with only the money I had invested on repairs, but it turned out that the XXXX page contract that the bank sent me had intricate wording behind its title of " relief '' giving the fact that now my balance of XXXX had increased to XXXX taking away the little bit I was planning to walk away to try to build a fresh start for me and my XXXX XXXX XXXXXXXX XXXX, after all I have been paying all my mortgage payments on time since I bought the house, can I walk away with something or is that not allowed? The bank will not loose, never has, now that my house is under contract and about to be sold, the bank will be paid in full, but my question is, why do me and my daughter have to start from minus zero? Is there any justice when the equilibrium of things are set? If a pandemic starts are the little taxpayers supposed to be the only ones to suffer while the big entities like the banks thrive on? Or can we make it an even struggle? And let the bank actually provide said " relief '' since they already ripped the benefits of years and years of high interests rates and principals? I am not here to complain about my high interest 30 year mortgage, I agreed to it and was gladly making those payments, my complaint here is that we entered a global pandemic and a disaster package wrapped in the word " relief '' was offered to us, just to find out later on that there was no relief in it but sorrow, are we to let big entities thrive in the pain of the people without batting an eye or doing anything about it? The XXXX I could have walked away with it is nothing to a big entity that rips benefits of 30 year long loans, but to me and my baby was the one and only option we had between looking for shelter or being able to afford one. 

If this is what " COVID relief '' from a company supported and backed by the government does when a worldwide pandemic hits, which is, to use the name of said pandemic to take from the impacted without remorse and become fatter thereof, then I must say, worldwide pandemics make for good business. I must remark, that I was not looking for " loan modification '' or " forbearance '' plans, I took the " COVID19 relief '' bait, and I sure fell for it, as I was laying on the ground they made sure to take it all
Product: Debt collection

I disputed a debt on my credit report on XX/XX/XXXX from receivable Performance. I asked the company to provide me with a validation of the debt, I also told them that this account is not mine. I send them a letter certified. which was received and signed on XX/XX/XXXX by XXXX. As of today XX/XX/XXXX I have not received anything from this company and they are still reporting this debt as mine on my credit report. Im attaching a copy of the letter and the certificate of delivery.
Product: Debt collection

N.A.R., Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : This letter is in response to your recent claim regarding and account in which you claim I owe {$500.00} Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a FINAL goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Mortgage

XX/XX/2018 - Received an email from SunTrust stating that " If you had a previous userID and password, it will not work in Online Banking. You must enroll as a new user at suntrust.com to continue to access your mortgage online. To create a new userID and password, locate your mortgage account number on your statement, then click here and follow the on-screen instructions. '' XX/XX/2018 - I called SunTrust to confirm voice-to-voice that this eamail wasn't a phishing scam. Was told it was valid. 

XX/XX/2018 - Called SunTrust customer service again because when I clicked on the XX/XX/2018 email, where it stated to " click here '', the response was " Unsecure site ''. So, I needed confirmation on how to receive a secure site to follow the instructions in the XX/XX/XXXX email. 

XX/XX/2018 - Called SunTrust to get information and help. Customer service person said she'd walk me through it. She walked me through it and was unable to get new ID and password because computer screen said I was already signed up on online banking. Customer service person said she'd have to transfer me to another department. 

From day one, when my mortgage was transferred from XXXX XXXX to SunTrust I've had nothing but horrible service. Last summer I signed up for electronic statements ... nope still getting paper. It takes a complicated and time consuming effort to reach customer service, only to be placed on hold. Why does it take an hour to try to get answers to a customer 's questions? Horrible customer service. 

I want my mortgage loan transferred to any other possible loan servicer. I don't have the time to deal with Suntrust incompetence. I feel it's deliberate to keep customers in the dark on their finances. Every other loan servicer has been able to answer my questions and provide an easy to use online service.
Product: Mortgage

My mortgage loan is with Bank of America, who is my loan servicer. I am currently in the middle of a loan modification, due to under employment. I was offered a modification trial period offer in XXXX of 2015 thru XXXX 2015, of which I made my trail payments on time and without delay. I was told I would have a permanent modification shorthly there after, but if not to continue to make my payments. I have made payments through XXXX 2015, and then they tell me I do not qualify for the modification because of HAMP rules. I am not sure why they are telling me at the end of the trial period, and not before. Reason being, was because they said they could n't verify I was residing in the home being modified. I provided the bank proof of residency through my utility bill with XXXX, XXXX XXXX ( XXXX XXXX XXXX ). They then requested more financial data and requested I do another trial period to commence on XXXX 2015 through XXXX 2015, but increasing my payment amount by {$800.00} additional per month. They also inform me that my loan will be taken over by a new Servicer, not Bank of America.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Charge Offs are income. Congress states no income can be reported on ones consumer credit reports. According to 15 USC 1681 ( 2 ) ( a ) ( i ) no transactions or experiences can be reported. Income is transactions and experience. The IRS expects you to file it on your tax return as income. I should've received a 1099C or 1099A which I havent. 

NEVER gave any consumer reporting agency WRITTEN CONSENT to put anything on my consumer report which violates my rights as a federal protected lumer. NO CONSENT IS IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has 2 fraudulent collections under on my credit reports.

Two charges : one for {$500.00} and a second for {$280.00}, both from the same facility and same date of service of XX/XX/XXXX.

I have never received medical treatment in the state of Pennsylvania.

I disputed these fraudulent collections on my credit reports with XXXX, XXXX and Transunion approximately one month ago and I received an email alerting me that my disputes had been resolved. However, when I went to check my credit reports, they showed the 2 above referenced collections are still on my reports. According to the reports, XXXX XXXX  claim the collections are correct and the credit bureaus still have them on my record.

I have been on the XXXX XXXX plan since XX/XX/XXXX and once again, have never received medical treatment in the state of Pennsylvania.

Please help remove these 2 fraudulent collections on my credit reports.
Product: Credit reporting or other personal consumer reports

Experian has been breached and all my credit information has been mishandled, I want all the negative accounts to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that 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 XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.