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

I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Heres a revised and professional version of your statement : Subject : Urgent Resolution Request for Suspended Account with Experian XXXX XXXX Dear Consumer Financial Protection Bureau, I am reaching out to formally request your assistance regarding a serious issue with my Experian XXXX XXXX Digital Account, which has been suspended due to alleged unusual activity. 

I opened this account and funded it through direct deposits from my employer. On XX/XX/year>, the same day I received my paycheck via direct deposit, my account was abruptly suspended. Since then, I have submitted the required documents, including my identification and Social Security card, on two separate occasions : XX/XX/year>, at XXXX XXXX XXXX, and again on XX/XX/year>, at XXXXXXXX XXXX XXXX. These documents were sent from both of my email addresses : XXXX and XXXX. 

Despite providing all necessary documentation promptly, I have received conflicting information from Experian regarding the review process, and no progress has been made to resolve this matter. This delay is unacceptable, as I am now unable to access not only my first paycheck but also my second paycheck due to the suspension of my account. 

This situation appears highly suspicious, given that I had my account open for nearly a week before it was suspended. During that time, Experian actively sent me messages encouraging me to fund my account. However, once my account was funded, it was immediately frozen without explanation. 

I respectfully request immediate intervention to resolve this issue and restore my access to my account and funds. The lack of action by Experian has placed a significant financial burden on me, and I believe my experience warrants further investigation into their practices. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring that Experian resolves this issue promptly and that I regain access to my hard-earned money. 

Sincerely, XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

There was multiple transactions made from XX/XX/year>XXXX  to XX/XX/year>XXXX  totaling up to XXXX I was victim of sim swapping so in which I was no longer getting notifications to my device. 
I finally was able to log into my bank account and saw that my funds had been used, without my consent. 
During this period I was XXXX  so there is no possible way that I was able to make these transactions. I had submitted supporting documents to show proof. I was denied and they refused to reopen the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the Bureau a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation for validation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by  not complying with what is being asked. 

They have also written that if I do n't have any more documentation that they will " no longer investigate. '' Im sorry but that is unacceptable. Not ONE account that was listed was verified, shown form of verification, not updated, or taken off my credit report. I have done everything the proper way. I have informed them if they continued to not comply I was going to use my rights and use litigation and get monetary damages under FCRA section 616 & section 617.
Product: Credit reporting 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. 

XXXX. XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX. XXXX XXXX... XXXXAccount number XXXX XXXX ... Account number XXXX 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 an 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 conviction 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 reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Mortgage

Greetings to all C.F.P. Bureau agents., XX/XX/XXXX My name is XXXX XXXX XXXX & i am XXXX from having served in the XXXX XXXX XXXX ( but my issue is Mortgagec related ). 
I was ordered to receive XXXX for the XXXX XXXX XXXX. XXXX of these were XXXX. 
I am revealing this to you because XXXX. 

So, in XX/XX/XXXX when i asked XXXX / XXXX XXXX XXXX for a REFI, they asked me for proof of income. These guys knew i was in tough shape especially from XXXX. They knew because they ( XXXX ) demanded proof of income which came in the form of my XXXX " award letter. '' For XXXX months, i politely asked them to mail me a brief synopsis of the terms i could expect to be faced with. And each month they came up with a new reason why they could NOT tell me what to expect for an interest rate, a rough guess on the total monthly payment, escrow breakdown and whether my new note was a " fixed '' or " adjustable-fixed-mortgage & gt ; '' By the way ; i had no idea what any of the preceding words meant, ie. ARM versus a Fixed Note or what attorneys meant by a Sub-Prime Note and or balloon payments. 

This all goes to the heart of my complaint. 

These XXXX financial REFI wizards were 'banking ' on the fact that i had no concept or understanding of contractual mortgage language. I doubt some of them did to except for how much their commission would be if i signed all the refi documents. 

This brings us to the 3-day Recission period guaranteed by law for every American citizen following the Closing of a mortgage contract or the refinancing of a mortgage note. 

Why? 
Because none of us can read or truly understand the implications of what we are getting ourselves into for the next XXXX years. 

Let me refresh you. I was XXXX ( XXXX ). 
And the REFI bank officers knew this because i had previously supplied them with my XXXX Award paperwork from the XXXX judge in XXXX, Florida. These documents from XXXX XXXX XXXX elaborated on how i XXXX XXXX in many everyday settings and even simple tasks such as shopping at the grocery store. 

I ca n't tell you how many times i had to leave my basketful of groceries in XXXX so i could 'escape ' from my perceived trap. XXXX. 
XXXX/ XXXX & XXXX set my closing at XXXX. It went to XXXX and yes, i had a XXXX XXXX but i had to stick it out. I was signing documents like crazy. ( XXXX forms ). 
During this marathon closing, i must have asked at least XXXX times for a copy of my new refi note. I was told, " XXXX XXXX, we have XXXX docs here and i need to get each XXXX upstairs to the notaries to be notarized. It 's XXXX. Do you want to wait until XXXX for a few copies? '' At close to XXXX Thursday, i asked if my 3-day revision period included the week-end & was told yes, of course. That should change. 
Note ; how many real estate attorney offices are open on a saturday willing to review a XXXX page thick refinancing mortgage note? 

Wait. Forgot. I was denied a copy of the refi note for my 3-day recission period. During the closing, the refi agents guaranteed me more than XXXX that my mortgage payment would remain at {$620.00}. A lie. Climbed to XXXX. Rcvd my note in XXXX mo.s
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both TransUnion and XXXX XXXX   with no successful resolution. XXXX XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.
Product: Debt collection

I have now by email XXXX times asked that they stop contacting me at my office number as I am not in a private environment AND my voice mail is not private. The most recent call was XXXX minutes ago. This is becoming abusive. Each time I have advised them that it is against the FDCA for them to call after I have asked them to stop but they continue. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/scrub>XXXX XXXX XXXX  SS # : XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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.

Please remove the following items from my credit report, immediately : Accounts XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX this account is being reported inaccurately.
Product: Mortgage

Behind on payments, moved to a different house, listed house with Realtor, had two different offers and both offers fell through due to buyer 's lender 's underwriting requirements that came up 30+ days into the sale. Offers fell apart. Realtor tried to get M. & T. Bank ( lien holder XXXX ) to pre-approve a Short Sale but bank refused said not allowed. During the process of trying to work with M. & T. Bank on both offers, various employees of M. & T. Bank had different information on the process, took weeks at a time to respond, refused to work with the Realtor ( even though all forms were submitted to give permission to work with ). No straight answers, no person capable of making decisions about offers were ever available to speak with, no email addresses ever available nor direct phone numbers. When calling M. & T. Bank it was a circular phone message no parties ever answered. The bank denied even knowing the company they hired, XXXX XXXXto assist with Sale. XXXX XXXX ( XXXX -- XXXX ) said always have to deal directly with M. & T. If was a " Circle of Nothingness '' Any person that you could reach by phone was unable to make a decision and they required an offer in hand before they would stop the clock ticking on the process.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Checking or savings account

Subject : Request for Reclassification of Dispute Numbers Dear [ XXXX XXXX XXXX XXXX XXXXXXXX ], I am writing to formally request the reclassification of dispute numbers XXXX and XXXX to reflect that the transactions in question were not authorized by me and should be categorized as fraudulent.

Both claims involve unauthorized payments that were processed without my consent, and I would like these cases reopened for further investigation. The dispute type should be amended to fraudulent unauthorized, and I request that they be re-evaluated under new dispute numbers as required by legal standards.

It appears that the previous assessments incorrectly categorized these disputes as " service not received '' rather than addressing the fraudulent nature of the transactions. Please refer to the attached documentation for further details.

Thank you for your attention to this matter. I look forward to your prompt response regarding the necessary adjustments. 

Best regards, XXXX XXXX
Product: Debt collection

I was contacted several times by a company calling themselves FMS, a debt collection service. They asked to speak with " my name '', and I stated this is him, how can I help. They inform me they are FMS and it regarding debt collection. They then refuse to tell me who the creditor is, the reason of the debt and the original creditor until I give them my date of birth and social security number. 
I offered to verify they have the correct information or not but they refused to cooperate. I informed them I will never provide that information to a caller, don't care who they say they are. They informed me they can not help clear this up if I do not cooperate. I informed them not to call me again if they insist on this game playing. 
Since that first time I was called on XX/XX/2020 at XXXX MT and XX/XX/XXXX ( I do not have the time for that showing up but I am certain I can get it if needed from XXXX   ). 
I do not remember the date of the original contact but so far I have told them 3 times to not call me again. First not to call if they continue with same withholding information until I provide private information then the 2nd and third time I told them not to call me again no matter what. 
I got a letter from them on XX/XX/XXXX that it is a medical debt from a local hospital demanding full price of {$3400.00} which would have been settled with insurance for about {$600.00}. Also, some of these debts may be covered through a Workers Comp issue but they do not outline all the charges, they just say ... Multiple - See Reverse, then just an account number and amount owed is listed on the back. Ridiculous! 
I have called back to get information but again need to verify all the social number, date of birth etc. 
Company is Oklahoma  FMS, Inc. in XXXX Oklahoma. The original creditor is XXXX XXXX XXXX Hospital in XXXX, Idaho. 
I am sending a letter to them demanding an outline of charges and dates. They refused to provide information to me or even permit me to place a request over the phone for any information until I verify over the phone. 
I want them help to the full extent of the law and penalized for their behavior, demands, and phone calls when told to put in writing and not to call me.
Product: Mortgage

Finance of America Mortgage emptied our Escrow account ( ~ {$1200.00} ) but did not use the money for property taxes. Although they admit the removal of the funds was their own mistake, they refuse to return the money. Have spent more than 10 hours on the phone trying to resolve this for 4 months
Product: Debt collection

I received a past due notice for a medical bill that is not mine. It is either the result of identity theft, or outright fraud. I have spoken with the collection agency, Nationwide Recovery Systems, to no effect. I have also notified my health insurance company ( XXXX ) that they paid a claim for a hospital visit that did not happen. I have also notified XXXX XXXX XXXX company because my credit score went down when the collection agency reported me as past due. I also reached out to the state consumer protection agencies in Texas and Florida. Texas refused to take any action, and I never heard back from Florida. 

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

On XXXX XX/XX/XXXX I requested an investigation because I felt the item is not being reported legally, and I received documents dated XXXX XXXX 2021 and XXXX XX/XX/XXXX2021 stating that their investigation was complete. Transunion and XXXX claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information. Transunion has not sent any proof from any of the alleged creditors to proof this alleged debt. 

Notwithstanding, Under 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I have not ever given my consent to furnish these debts owed to me. Therefore, it is identity theft.
Product: Credit card

Capital One Credit card keeps insisting that I owe a balance for various charges in which I never used the card to make such transactions and I spoke to a representative to discharge the fees as of today 's date the fees have not been discharged.
Product: Student loan

I noticed on my credit report this student loan was reporting as 90 and 120 days past due in XXXX and XXXX XXXX.I believe this information to be erroneous. I have tried contacting this company and contacting the credit bureaus to no avail. There are several reasons I do not believe the reporting is erroneous : 1. I am attaching a copy of my college transcript which shows me full time enrolled through summer quarter 2012, which would have ended in early XXXX 2012, which would have meant my loans should have been in forbearance. The would have been removed in XXXX so the most the loans could have been in 30 days past due. 
2. I was never given any information from the lender about the loan. I called the lender last night and spoke with XXXX, who was very helpful. He advised that calls were made to phone number ( XXXX ) XXXX. That is not and has never been my phone number. My phone number is area code XXXX. I had XXXX repeat the phone number on file twice. He also advised a correspondence was mailed to XXXX XXXX XXXX That was not the correct address for me at that time either. 
XXXX advised me that during a call to set up payments on the account in XXXX 2012, when my account was current and I was being proactive, I would have supplied the lender with the false phone number and address. That seems illogical for someone that proactively called in a made a payment. I pleaded with him to pull the call and listen to see what occurred. He called me back this evening and stated the call ca n't be reviewed due to retention policies. However, he advised that he has to assume the lender did what they were supposed to do. So if you do n't know who made the error, it has to be the customer? That seems unfair and deceptive. I feel helpless in having this issue resolved. Please help!
Product: Debt collection

This company uses collection tactics that harm consumers on a monthly basis. Not only do they fail to use standard procedures as outlined by the law regarding notification requirements. It's much worse ... Every month this company increases the amount owed on a debt they reported 5 years ago as charged off. The debt keeps growing even though I've never had an account with Hunter Warfield. The effect of this is that every month, my credit score goes down a few points. This is a tactic that harms consumers monthly.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/XXXX with the inaccuracies that are being reported differently across XXXX and Transunion. They ( XXXX ) received that letter with certified returned receipt on XX/XX/XXXX. I received an email on XX/XX/XXXX XXXX Their response was a " canned '' response that " This account has been transferred to XXXX XXXX XXXX of XX/XX/XXXX, and they are the new servicer of the loan. '' A second letter was sent today ( XX/XX/XXXX ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.