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

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DELAWARE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

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 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 XXXXXXXX XXXX XXXX XXXX Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written.

Signed, sealed and delivered in the presence of : XXXX XXXX STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX, who is personally known to me or who has produced _____________________________________________ as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. 
WITNESS my hand and official seal in the County and State aforesaid this XXXX day of XXXX 2023. 



___________________________________ Notary Public Printeod Name : XXXX XXXX
Product: Mortgage

I paid off a mortgage with Suntrust in 2019, but Suntrust did not release the lien correctly. They issued a reconveyance against the wrong deed of trust. This results in a lien on my property still held by Suntrust, even though the mortgage has been paid off. 

I tried calling customer service. They promised three times that they would call me back to provide information on how to get this resolved. I have not gotten a call back.
Product: Mortgage

On XX/XX/XXXX I made a mortgage payment to SLS Mortgage online. They bought my mortgage & I was due to make my first payment to them beginning in XXXX. I made a payment for {$2300.00} the amt for my XXXX payment. It cleared on XX/XX/XXXX. On XXXXXXXX XXXX XXXXXXXX I received an email from SLS stating that my payment was returned. So I called SLS & they were trying to tell me that yes it was returned & I can clearly see in my account that they received XXXX payment. SLS TELLER told me again it was returned so I called my bank on my other phone on speaker. The bank tells me that yes the payment cleared but SLS tried to take out another payment in XXXX. So basically they tried to take 2 payments in XXXX when I only was paying one.
Product: Mortgage

I applied for a rate/term refinance on my second home at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The XXXX is less than 50 %, my XXXX is over XXXX and my income is more than adequate to qualify. I was promised a 30 year fixed rate of 2.50 % with no closing costs or prepaid costs. I made application on XX/XX/XXXX. XXXX of the forms I signed was a lock-in agreement where I agreed to float the rate. I told the MLO I did not wish to float, but he said not to worry. On XX/XX/XXXX he verified that I was locked in per the email included. I also told him to lock my home at XXXX XXXX XXXX, XXXX, NC XXXX. Since that time he has been extremely difficult to reach via phone or email. Suddenly I get an email from him on XX/XX/XXXX saying the XXXX XXXX XXXX was never locked and he has no recollection of my request for the loan and identical lock on XXXX XXXX. I respond on XX/XX/XXXX, that he is in error and that I would be forced to contact the CFPB for help. On XX/XX/XXXX, I receive an Adverse Action with denial based on lack of documentation. I had previously delivered all requested documentation to him and had asked him what else he needed. He said we were fine. Whatever is going on here is not right. Please help me. Thanking you in advance. XXXX XXXX XXXX, XXXX.
Product: Debt collection

This account XXXX XXXX XXXX XXXXXXXX balance {$1900.00} has just popped up on my credit report without ever communicating to me. This company is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my wife and I and all are credit information, SS #, address, emails, etc were hacked due to Equifax 's poor security. They waited a month and a half to come forward. Their executives also sold stock and gained financial profit do to insider trading before the companies stock crashed when the breach was exsposed.
Product: Checking or savings account

After receiving a decent sized tax refund via direct deposit, I attempted to withdraw {$1000.00} to purchase an old car. The ATM declined the transaction due to a daily withdraw limit, so I called the bank 's hotline and asked if they could please let me have my money. They refused. I spoke to a supervisor, who also refused to let me have my money, and then lied and said I could get a cash-back transaction to get around the limit. I tried this solution, and it didn't work. 
I was finally able to get the cash out by very helpful staff at the local XXXX who used a few tricks to make a money order drawn off the debit card. 

The next week, the same thing happened again - and once again, they refused to allow me to access the cash via ATM. I went into the branch and asked them what on earth was going on. They gave me the cash at the teller window, and then told me that they weren't going to allow me to withdraw more than {$300.00} a day at the ATM no matter what my account balance was because of too many overdrafts the previous year. I'm not talking about allowing a cash withdraw when there is no money in the account, that's ridiculous. In this case, I had several thousand dollars in the account and the bank would not let me take out more than {$300.00}. This ISNT a credit card, it's my money, in my bank account. Wells Fargo NA is refusing to allow me to access my own money.

Note that I don't routinely withdraw {$1000.00} from my account multiple times in one year, this was a rare circumstance where we were helping two family  members purchase cars so they could get to work and we also had to put a down payment on a larger car for our own family because it was growing at the time.
Product: Mortgage

I have contacted Citizen One Bank customer service on at least two ( 2 ) separate occasions via telephone ( XX/XX/XXXX and XX/XX/2020 ) and once via Certified Postal mail ( XX/XX/2020 ) to request that my PMI charge be removed from my mortgage as a result of having a 77.2 % LTV ratio which falls below their required threshold of 80 % or lower. To date Citizen One bank continues to send me the same generic letter informing me of the steps I need to take to request that PMI be dropped even though I sent the required written request as they have requested. I reported this issue to a Customer Service Representative ( XXXX ) on XX/XX/XXXX who confirmed that he saw the same letter has been sent out repeatedly and who spoke with his Supervisor to confirm that all I needed to do was send a written request informing them of my request as a result of meeting their LTV ratio threshold. I mailed the written request which was sent via Certified Mail and received by Citizen One Bank on XX/XX/2020 yet my request was answered with yet again the same generic letter I've received multiple times previously. At this point I believe Citizen One Bank is failing to met their obligation to drop my PMI payment as a result of meeting the necessary requirement in an effort to extort additional fees from me.
Product: Checking or savings account

XXXX XXXX XXXX at Bank of America are illegally and with malice providing false information on the payment status of my account to XXXX XXXX XXXX  a utility service providing payment services for the XXXX XXXX XXXX XXXX where I own a vacation property. Bank of America is illegally holding ACH Deposits that should by law be deposited within 24-48 Hours for up to 6 Days in an attempt to cause valid payments to be bounced or late. False Data from Bank of America Transaction ID reference number Bank of America Transaction ID XXXX {$140.00} On : XXXX falsely reported the Merchant as NSF Bank of America Transaction ID XXXX {$40.00} On : XXXX falsely reported the Merchant as NSF Bank Complaint Ticket Number -, XXXX Bank of America Agent XXXX, Supervisor Customer Service Fax sent to Bank of America r Fax Number - XXXX XX/XX/2022 Bank of America is : XXXX ) Illegally holding ACH Insurance Annuity Deposits from XXXX XXXX XXXX ( XXXX ) for 5 or 6 Days that should legally be reflected in the account within 48 Hours 2 ) XXXX XXXX Nationalists working for the Bank are manually changing Deposit Dates in the Account to force the appearance of a " Negative '' Balance when there are in Fact XXXX  of dollars available XXXX ) Sending False Data to companies like XXXX XXXX XXXX and even changing the dates of withdrawals on records to make it appear as though the withdrawal occurred 3 or 4 days earlier. This is illegal banking manipulation and a violation of ACH and FDIC guidelines for managing Credits and Debits. 
XXXX ) using illegal banking tactics and associations with other XXXX XXXX XXXX to attempt to ruin my financial standing and information because I am a XXXX The average deposits in the account exceed {$10000.00} USD. 

On : XXXX valid XXXX payments for {$40.00} and {$140.00} were falsely returned by Bank of America as NSF when the deposit from XXXX XXXX XXXX was made more than six days earlier on XX/XX/2022 ( XXXX ) and more than covered the debits. 
Despite knowing the account ending in XXXX had substantial funds to cover the utility debits Bank of America sent a False Notice of Insufficient funds to XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX who in turn took away my ability to pay using my Bank of America checking account or any checking account like other customers. 

This is illegal XXXX harassment of my Banking account and unfair and discriminatory treatment by XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The 3credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$3500.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$4000.00} DTEDXXXX XXXX {$5500.00} XXXX   XXXX {$85000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

RENTONCOLL XXXX XX/XX/XXXX {$120.00} XXXX XXXX XX/XX/XXXX {$2700.00}
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, you are required to remove any incorrect accounts from my credit report. Please check the documents, as some accounts have reporting errors with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I uncovered inaccuracies in certain sections. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), it is mandated that the XXXX credit bureaus validate these accounts ( A ). Failing to validate these reported accounts within the legally stipulated timeframe without substantiation is impermissible. The erroneous information on my credit report that requires investigation and rectification includes : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX : {$9000.00} XXXX XXXX Balance : {$220000.00} XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Under title 15 USC 1681a Federal law " exclusion ''. THIS IS A VIOLATION The mortgage company XXXX XXXX XXXX XXXX was asked to stop reporting negatively on my consumer credit report because this is illegal. this is also improper use and they continue to do so even though they were verbally asked. I will start fining these corporation for failure to comply with federal laws. 
inaccurate account amounts on all three credit reporting bureau non compliant mortgage company
Product: Credit reporting or other personal consumer reports

Please take a look at my reports and take a look at my carefully crafted documents take a look at your specified letter if you're TransUnion look at the document stated TransUnion each file corresponds to its respective bureau now the law states each bureau should have the exact same information dates and balances showing, the banking system depends on it but currently I'm unable to get approved for anything because of all the errors showed on my reports I ask that you not use e-oscar and carefully have someone go through each and every line item to ensure these companies batch data is accurate, if not remove it and tell the companies to try again next month I refuse to bare the weight of inaccurate data that's not carefully reported it is not a reflection of me nor my character.
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 15USC 1681, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX, has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) 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.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Upon checking my consumer report I noticed charge-off remarks being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX never provided me with a 1099c form notifying me that my account was charged off. As for the UCC laws XXXX XXXX XXXX  also failed to follow XXXX by phone or XXXX XXXX for FCRA XXXX XXXX XXXX violated section 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. I also filled a compliment with XXXX. The report will be attached as well.
Product: Credit reporting

There are XXXX addresses listed on my credit reports for apartments or homes where I have never lived in my life. As a result certain accounts associated with those XXXX addresses, which are not my accounts, have negatively impacted my credit scores.
Product: Credit card

Refer to the attached documents. I want the bureau to commence an investigation into these accounts, as I have never been late, but they are incorrectly reporting me as such.
Product: Credit card or prepaid card

My minimum monthly payments was on auto debit, however, an incorrect amount was withdrawn causing the minimum payment to be deficient. Every prior monthly payment was withdrawn properly. I think this error occurred because I made an extra online payment that month which was returned non-sufficient.
Product: Mortgage

My loan was transferred from XXXX to Cooper in XX/XX/2017. I have always been paying XXXX  well in advance. So when I made a payment on XX/XX/XXXXto XXXX, they applied my payment for XX/XX/XXXX month. I was away in XXXX during that time, and my payment was going directly from my Bank to XXXX. When XXXX transferred the loan to Cooper in XX/XX/XXXX. My XX/XX/XXXX and XX/XX/XXXX payments were sent to XXXX and, XXXX in turn transferred it to Cooper. XXXX  has confirmed it and has sent the evidence which I have forwarded to Cooper. But Cooper says they received only one payment from XXXX, and Cooper has been charging me with fees and also took additional payment from me. I have been in contact with a bunch of Cooper representatives and it supervisors, since XX/XX/XXXXon both phone and email exchanges, but of no use. I literally spend more thnn an hour talking to these guys, and they keep asking telling me it is being researched. Iam very frustrated and fed up and Iam finding it difficult to sleep because of this nagging issue going on for the last three months. I would highly appreciate if you could help me and resolve this issue quickly. I have all the documents and proof needed from XXXX regarding the payments.

Thanks, XXXX