23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX THEFT PURSUANT TO SECTION 605B, YOU MUST REMOVE THIS FRAUDULENT ACCOUNT. THE FRAUDULENT ACCOUNT IS XXXX XXXX XX/XX/year>, ACCT XXXX. PLEASE REMOVE THIS FRAUDULENT ACCOUNT PURSUANT TO 605B.
Product: Checking or savings account

CHASE bank locked me out of both my online credit card access and checking account access. I am unable to sign in online or use my credit card or debit card to make a purchase or withdraw money. This lockout started on the XXXX of XX/XX/year>. I call the bank everyday since the XXXX up to a total of 30 times. They are unable to unlock my account. They told me to visit my local branch. I visited my local branch twice to unlock my account. They are still unable to help me. My money and credit card is locked I can not even access my own money. CHASE locked my account because I tried to purchase gold coins worth over XXXX on my credit card which got declined by CHASE for suspected fraud. I verified with chase bank that I made the purchase. They dont want to hear my side and continuing to leave my account blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, XXXX violated : 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. 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. 

When I explained this to the reporting agencies they only updated the accounts even though it's proven identity theft, incomplete, inaccurate information in my consumer report XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Please contact me to explain what information needs to be in a suite when you proceed pro se or point me in the right direction... .ps I tried to provide supporting documents for my previous disputes but the web site doesn't support the size of a screenshot of my id or any other files. When struck with this a couple days later that's when the results came back as updated ... ps I like how at the end of this complaint we have to check to give you authorization to even access my report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file. 

Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

account on autopay never late
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Mortgage

After Hurricane Irma, I received an automated email from my lender, RoundPoint Mortgage ( Account # XXXX ) regarding assistance for FEMA victims, of which I was one of, residing in Florida. I was told I could do one of two things. To take advantage of reduced payments, or no payments at all, I could pick the next three months and either pay it all back at the end of the three months, or they would have me sign a form to put the payments on the back end of the loan. I chose the latter option and instead of paying {$1200.00}, I 'd pay {$500.00} for the next three months. I received my bill at the end of  XX/XX/XXXX for XX/XX/XXXX, and it showed {$500.00}. I then received a letter stating that by doing what I did, they were going to contact all three credit bureaus and list my issue as a forbearance. That means I am going to get dinged on my credit. NOT GOOD. Today, I received an invoice for XX/XX/XXXX stating that I missed XX/XX/XXXX 's payment and they now want {$1200.00} for last month and {$1200.00} for this month. What they did with the {$500.00} I paid them in XX/XX/XXXXwas just apply it towards the principal as an " extra '' payment. I have written to the CEO, XXXX XXXX and have received no response. They were offering to help FEMA victims, but all they did was attempt to ruin my good name and credit and I want something done about this.
Product: Credit reporting or other personal consumer reports

Due to the recent lawsuit filed against Experian in. XXXX XXXX XXXX I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. I insist you conduct a reinvestigation as you are required by the FCRA Law for the accounts listed below. 

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. Which I ask that you provide to me in exact detail via mail and not through your online portal. 
Please Delete the disputed information within the required timeline of 30 days. 

Company : XXXX  XXXX Account # : XXXX Company : XXXX Account # XXXX Company : XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is incorrect on my credit reports I also asked that a personal note be put on all 3 creit reporting agencies stateing that in the past 2 years I have been undergoing XXXX Treatments. I am now XXXX free and back to work
Product: Debt collection

So this company called Credit Systems put a {$39.00} dollar debt on my credit report saying I owe this debt. Kind of funny how this debt originated because never have I been notified that this was an active debt. I have never received a bill regarding this situation from the so called original creditor, and never was I notified by this Credit Systems Debt Collector that I owe this debt.

This so called Debt Collector has sought and set-out to destroy my credit scores by throwing this debt on my XXXX  Credit Report.

I feel this is something that should be brought up to legistation and signed into law, that should prohibit debt collection companies to notify the consumer 30 days prior to reporting the debt to the credit bureaus. It should be illegal to do such a thing and this is something that I will even notify my State Representative to persue this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is getting old. I have disputed XXXX XXXX more times than i can count. Experian is the only company that does not review disputes. The information being reported to them is unverifiable and erroneous. It keeps coming back as verified. Can i please get the proof that an actual investigation took place. How can incorrect information be verified. Its not possible but yet again shows verified. Its unverifiable. False information is being reported. This was investigated and removed from XXXX and XXXX  a long time ago. How come two out of three credit bureaus investigation led to immediate removal upon completion of their investigation. Experian is maliciously keeping this unverifiable data on my report causing me to get denied credit and or be charged a higher intrest rate. I feel like i might need an attorney at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my XXXX  accounts ( letter attached ). 
i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well thank you
Product: Mortgage

We were approved for a Home Affordable Loan Modification trial period plan by Ocwen on or around XXXX XXXX, XXXX. The details of the loan are as follows : * 3 monthly trial payments of {$3200.00} due on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX * Payment for Escrow, ( where permitted by law ), including real estate taxes, insurance premiums and other fees, if any, of {$1400.00}. 
* 2 % for life of the loan * Balloon payment due of {$380000.00} - XXXX * New Unpaid Principal balance is {$580000.00} We were told by our relationship manager, XXXX XXXX, who is part of Ocwen 's litigation department, that our loan would have to be escrowed as part of the HAMP Trial Payment Plan. Our original mortgage was not escrowed and we have remained current on our property taxes and home owner 's insurance since XXXX till current. According to the documents provided by Ocwen, part of the trial payment is to be for taxes and insurance. I received a mortgage account statement from Ocwen that states {$0.00} of the trial payment was applied to taxes and insurance. Per the mortgage account statement {$390.00} was applied to the Principal, {$2700.00} for Interest and {$24.00} applied to " Unapplied Funds ''. Our original mortgage payment to Ocwen was {$3100.00}. Seems our 1st trial payment was applied based on our original loan payment of {$3100.00} and not on the trial payment plan of {$3200.00}, in which {$1400.00} was to be applied for Escrow ( Tax & Insurance ). As you can see from the mortgage account statement, {$0.00} was applied to Escrow ( Taxes & Insurance ). 
Also, Ocwen received our first payment of {$3200.00} on XXXX XXXX, XXXX, but I received a mortgage account statement yesterday with a statement date of XXXX XXXX, XXXX in the mail that states payment is " due now ''
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have submitted several disputes via certified mail and online, asking for documentation of what this ( FMS FINANCIAL SOLUTION ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ) debt is, dates and how the balance was calculated. I have received nothing. There is no information.
Product: Debt collection

Rent recovery solutions put on my account a bill of {$2500.00} and I have no idea where the amount is coming from since I have not been notified of the bill. I am currently in the hospital with XXXX XXXX and have XXXX XXXX to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

You EQUIFAX are reporting inaccurate and incorrect information on my consumer report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. You and your inaccurate reporting has damaged my livelihood. 

According to 15 USC 1681 ( b ) ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

By definition I this sub chapter you are required to adopt reasonable procedures that are FAIR and EQUITABLE to meet my needs as a consumer. You have failed in your duty as a consumer reporting agency and are in violation of 15 USC 1681 ( b ) by not only reporting inaccurate information but information clearly for FORBIDDEN BY LAW to be included in the consumer report. 

according to the IRS publication 4681 Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies.

Charge offs/ canceled debt are no longer debt and are now INCOME and INCOME DOES NOT get reported on your consumer report.

According to 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Below I have an official cfpb response from XXXX where they claim that they have reported the account as a charge off but also claim that the account is still open You CAN NOT charge off an open account which makes that false and inaccurate information that YOU are reporting. 

I ALSO have an official letter from XXXX where they have also said that they have not charged off the account and yet on my consumer report its being reported as charged off which IS FALSE AND INNACURATE. 

In accordance to 15 USC 1681i ( 5 ) ( A ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

You have been put on notice that you are reporting FALSE AND INNACURATE INFORMATION AND I DEMAND THAT YOU DELETE THIS INACCURACIES AT ONCE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : L.J. ROSS & ASSOCIATES Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account Number : XXXX Phone Number : XXXX Amount Claimed Owed : {$110.00} I am writing a dispute towards an account that I have absolutely no knowledge of, but this account is showing up as a debt owed on my credit report. I Reported this Information to the Federal Trade Commission and I also filed an Affidavit in reference to this matter. Please be advised that the UNVERIFIED item remains on my credit report. I have yet to receive documentation from the original creditor to verify that the information listed is accurate, which is a requirement by LAW. Since I have yet to receive such validation or documentation from the original creditor, please delete the item as soon as possible.
Product: Debt collection

In late XXXX/early XX/XX/2020, I received a letter from CKS Financial in the mail, stating I owed " XXXX XXXX '' $ XXXXAccount no : XXXX. After calling ( XXXX ) XXXX ( listed on the letter ) and informing the representative I was not aware of the alleged debt, I was told I could not dispute the aforementioned debt verbally and I would have to submit a written dispute to XXXX ( referenced by the employee and included on the aforementioned letter ). 

On XX/XX/2020 at XXXX XXXX-mst, I sent a formal dispute for the alleged debt referenced in account no:XXXX via email to XXXX. The sent message read as follows : " To Whom It May Concern ; My name is XXXX XXXX. I am writing to inform your company that I have no knowledge of the alleged debt referenced under CKS account number XXXX. I am formally disputing this debt and requesting validation of debt for the aforementioned account. Furthermore, I am reminding your company of the federally mandated responsibility your company has to produce requested validation of this alleged debt that is provided in detail through the Fair Debt Collection Practices Act. Failure to fulfill the previous request will result in complaints filed with the Federal Trade Commission, Consumer Finance Protection Bureau, and legal action against your company for violations of the FDCPA. Validation of the alleged debt can be mailed to XXXX XXXX XXXX. XXXX. Thank you. 

XXXX XXXX '' I never received the requested information regarding the alleged debt in any form. The next communication received was on XXXX at XXXX XXXX-mst via my personal email ( XXXX ) in the form of a settlement offer regarding the same alleged debt. Upon contacting CKS, I was transferred to " XXXX XXXX '', who claimed to be an operations manager for CKS. Upon questioning why my request was simply ignored, " XXXX '' stated he was not aware of any communications. Further, he claimed he had no knowledge of what the Fair Debt Collection Practice Act was. Upon informing " Mr. XXXX '' of my intent to seek legal counsel, he responded with " that call is not going to happen. '' The call abruptly ended after my statement that " playing stupid would not get him anywhere. '' " Mr. XXXX '' and CKS Financial are in clear violation of federal mandates regarding debt collection and I seek to have this event investigated. I will be contacting my lawyer to pursue them under clear violations of the FDCPA and kindly ask them to be held responsible for their illegal conduct by your organization. I can be reached at ( XXXX  ) XXXX or XXXXXXXX to provide any additional information. Thank you in advance for your time and consideration of the matter. 

XXXX XXXX
Product: Credit card or prepaid card

Want to know why citi group is blocking lawful XXXX owners from buying guns. This a violation of the second second amendmen. Lets not forget that my tax dollars bail you all out as well.
Product: Debt collection

I hope this letter finds you well. Over the past several months, I have noticed a pattern of late payments on my credit report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This is a follow up to a previous complaint I filed with you on XX/XX/year>. I am a XXXX Veteran and bank with USAA. I was the victim of a scam and I have received no help at all from USAA. As a matter of fact they blamed me for the entire thing and took {$2500.00} out of my checking account because they said it was all my fault. Now I'll take my fair share of the blame for being naive, but they constantly tout how they take care of their people, especially veterans. They have a very proactive fraud department so I dont know how all this could happen, and I become the victim. I was suppoised to get a direct deposit of {$2500.00} from The XXXX XXXX, but what The XXXX XXXX did was deposit two bogus checks supposedly from XXXX XXXX into my account and USAA went right ahead and paid them, then said it was all my responsibility. I find this so odd since they have put holds on many bank checks I have deposited, including my latest social security check.I am enclosing PDF 's of the bogus checks which were never endorsed by me, my name was just typed in on the back of the check, so you know I never had any check in my hand. I dont have a XXXX XXXX account and the loan was supposed to be a direct deposit. I received an email from USAA, Im assuming because you must have contacted them and they said they were researching the matter and would be back to be shortly. To date I have had no response from them. I am enclosing a PDF of the email frrom USAA. I am shocked that USAA is acting just like The Scammers and ignoring me. Please help me if you can, I am on a fixed income and this has really thrown my finances for a loop
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX INQUIRIES : XXXXXXXX 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: Credit card or prepaid card

We are in a XXXX XXXX XXXX designated area ( XXXX XXXX XXXX , FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Bank of America credit card ending in XXXX. 

We have not received any payment deferment as of today ( Sunday, XXXX XXXX, XXXX ). When we call Bank of America XXXX XXXX at XXXX the Bank of America representative is not able to help us resolve the issue for deferred minimum payment.