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

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a XXXX to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

I have contacted IC Systems Several times regarding a negative item on my credit. I have asked for proper validation if debt. Im aware they purchased the debt from XXXX. However, this is a false debt from XX/XX/XXXX-XX/XX/XXXX. I returned all equipment to XXXX  and owe nothing. I have since been a member of XXXX which was done through a credit check. I owe nothing to XXXX and {$3000.00} would be extremely excessive even if i owed a bill for phones. Since they have not supplied me with proper verification of debt in a timely matter they need to remove negative information until they supply me with validation. How long has IC systems had this debt? When did they purchase the debt? I have received nothing from ic systems. Remove debt!! This is not my debt. If they have my signature on this debt I request proof. I have been a victim of Identity theft and my information was obtained through several different entities including the government hack in which my information was leaked and I was contacted by the office of personal management and given Free identity protection for years. I was also a victim from XXXX Glitch and XXXX breach.
Product: Mortgage

I have had NUMEROUS complaints and ISSUES with Bank of America. In 2005 when we got hit with XXXX XXXX and I lost my XXXX income, I was told they had a hurricane relief program where I did not have to make a payment for 3 months. I called and applied, they told me no problem, after 3 months start making payments again. They told me I did not need to sign anything. After 3 months I receive a notice that I was in foreclosure. WHAT? I freaked out, called and they told me I had to make all my payments immediately or they would foreclose. I emptied my bank account and paid them. 
Then 5 years ago after the real estate market crashed I had a hard time making payments. I was 3 months behind but finally had the # to pay in full. They would not accept my payment, telling me I was in foreclosure. I had never been served. I was NOT in foreclosure. They would not take my $ and told me to call their attorney, XXXX XXXX. It took a month to get ahold of them, I called, faxed, emailed sent certified letter and US mail. Finally they called me back and told me to bring them a {$10000.00}. cashiers check and they had me sign a Stipulation Agreement to make 1 year payments and everything would be fine. I signed it and they notarized it and I thought everything was ok. Well, Bank of America apparently did not know what their attorney was doing and again they denied my #. They returned my payments and told me I was in foreclosure. I was freaking out. B of A said they never received the $ XXXX. I paid for a mediator to straighten this out and B of A told them they never got the {$10000.00}. that I gave the attorney several months earlier. Fast forward 3 years, I have been dealing with B of A to get a loan mod. It has been EXHAUSTING and time consuming. They keep switching account representatives, I keep being told one thing and they do another. Recently I completed my XXXX TRIAL Loan Modification where my payments would be based on 30 year mortgage @ 2 %. I bought the condo in XXXXXXXX5.87 %. So I made the payments based on that new payment structure. So imagine the SHOCK when I get the paperwork to sign for the NEW LOAN and it tells me I will have a 38 year mortgage at 4.87 %. I never would have made those payments if I knew that was the case. I am underwater here and they are NOT helping me, they are hurting me! I agreed anyway because I feel like I have no choice. I made the new payment for this month, after I had notarized the new loan and returned to them. And NOW I just received another NEW LOAN AGREEMENT for a different rate and they are telling me I do n't have to make payments til next year! I am SO confused. I called them right away and they ca n't explain it to me. They said they will have to call me back. I strongly believe they used the old " switch and bait '' on me. I need someone to look in to this for me and help me out. I am drowning here & they are XXXX me. Over and over, and over. It must be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

The company has been holding on to the surplus amount of the annual escrow. The statement account they sent dated XX/XX/2021, stated that they would mail the surplus amount under separate cover within twenty business days. When I did not receive it after the stated 20 days I called them in XX/XX/XXXX and they told me that the surplus amount would be sent on Monday XX/XX/XXXX. I called XX/XX/XXXX to ascertain that they had mailed the check, I was told that the check was mailed on XX/XX/XXXX and that I should receive it by the end of that week. On XX/XX/XXXX, I called the company to reverify on the mailing of the check and asked to talk to a supervisor. The supervisor told me that the check went out Saturday XX/XX/XXXX. When I asked why they told me the previous week that the surplus check had been mailed on XX/XX/XXXX, she could not provide an answer. 
I think that the mortgage company has been trying to not issue a check for the surplus amount.
Product: Credit reporting

I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into Equifax procedure of removing satisfied judgments. The Plaintiff ask for {$4200.00} you can see that at the top. Please pay close attention to the document you can clearly see that I only owe {$420.00}. The Judge only awarded them {$420.00} and below you can see my counter payments I made to the bill.
Product: Money transfer, virtual currency, or money service

I FOUND THAT I AM VICTIM OF FRAUD ON XX/XX/XXXX WHEN I ARRIVED TO INSPECT MATERIALS FOR XXXX AT XXXX XXXX XXXX XXXX XXXX CA XXXX ON XX/XX/XXXX ABOUT XXXX TO XXXX XXXX XXXX WE CALLED THE WELLSFARGO BANK AND INFORMED THEM BY PHONE AND THEN REPORT ONLINE FOR RECOVERY OF OUR AMOUNT FROM ACCOUNT # XXXX ( THIS ACCOUNT IS XXXX XXXX ) WHICH WE HAVE THE CONFIRMATION BUT STILL WE DONOT HAVE ANY UPDATE. 
PROMPT ON XX/XX/XXXX WE ALSO INFORM TO OUR BANK XXXX XXXX XXXX BUT THEY REPLIED THEY ARE UNABLE TO HELP US. OUR ACCOUNT # XXXX IN XXXX
Product: Debt collection

Galaxy International Purchasing has placed and inaccurate charge off account on my credit report. I have explained to Galaxy international Purchasing via certified letter that I am not the rightful owner of this account and it doesnt belong to me. This inaccurate and illegal account has case harm and injury to me financially. This is not fair that Galaxy International Purchasing can continue to report this inaccurate and illegal account on my credit report damaging my credit worthiness. Galaxy International Purchasing has as violated the Fair Credit Reporting Act requirements by re-aged this inaccurate account. Re-aging any account is a violation of the FCRA. 

I have explained to Galaxy information Purchasing that I am no XXXX and I didnt give anyone permission to use my name or SSN to obtain financing or credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is in violation of consumer laws. 
Please see attached documents to meet demands in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

we informed XXXX XXXX this was a fraudulent account with no result, I sent information to the credit bureaus letting then know this was id, theft with no response. I sent a validation letter and keep getting verified with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  deleted from Equifax & XXXX credit reports Long term Good Credit Never Late Paid Early {$50000.00} Mortgage Loan information IN RETAILATION TO MY ID THEFT REPORT XX/XX/XXXX OF XXXX  CREDITCARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : INTENT TO SUE DUE TO IDENTITY THEFT & FRAUD DELETION FAILURE This is my final intent to resolve this matter once and for all before embarking on filing a lawsuit against you. Let be crystal clear that I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. 

For yet another FINAL CHANCE, Please REMOVE this information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.CMRE. XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.CMRE. XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} I am willing to file a lawsuit against you for : Violation # 1 ( reporting inaccurate information to Credit Bureaus, violation of California Credit Reporting Act ) Violation # 2 : Failure to provide notice of late payment insertion as required by California Credit Reporting Act.

Violation # 3 : Failure to stop the reporting of fraudulent accounts after being presented with proof of identity theft.
Product: Consumer Loan

I was only on the lease of an apartment not the renter, and they have it on my credit report twice as the renter.
Product: Checking or savings account

So on XX/XX/year> I purchased a vehicle from a little car dealership called XXXX XXXX XXXX at the time I was unaware that they sold me a lemon law buyback branded title so as the months went by I found out that the car was, indeed, in fact, a lemon, law branded title I had a lawsuit against XXXX finance for buying this contract from XXXX under false pretenses and fraud, however, upon realizing that they sold my contract to XXXX finance I also noticed that XXXX finance pledge my collateral meaning the contract to Wellsfarrgo North America for securities. This is securities fraud, and I plan to push this to the fullest extent of the law I have since regained all of my payments and down payment toward the vehicle, which XXXX finance has settled Outside of court however, XXXX is also involved in this fraudulent contract as they used it as collateral to pledge securities against my contract, I am looking to redeem all of my securities. I did not give them permission to sell the securities or keep the securities or keep any of the deductions from the securities. I did not allow them to keep any money is made from the securities. I did not even give them a security interest in the contract. This was all Robo signature addedby this fraudulent car dealership I am looking. To regain all of my security interest sold on XXXX ALL STOCK BONDS DIVIDENDS AND INTREST TO BE RETURNED TO ME IMMEDIATELY AS HOLDER IN DUE COURSE
Product: Credit card or prepaid card

I had my Barclays Priceline Travel Rewards XXXX for years ( maybe XXXX? ) and had been in good standing for the last several years with a credit limit of {$6500.00}. 
I received a letter in the mail last weekend ( XX/XX/XXXX ) that my account had been closed due to late payments missed. 
I was confused, as I knew I had paid my account down to {$0.00} sometime in XX/XX/XXXX. I logged into my account, and I saw a balance of roughly {$55.00} that had accumulated from interest and late fees from said interest over several months. After I paid my balance with Barclays down to {$0.00} in XXXX, a XXXX statement posted with {$1.00} in interest. I had no knowledge that this statement existed, or I would have happily paid it. After paying the balance to {$0.00} in XXXX, I never logged into the account until receiving the letter this XXXX. No attempt to contact me was made, other than statements that were posting to a junk folder in an email I no longer use. 
I have settled the outstanding balance with Barclays upon receiving the letter, but in return, my credit score has dropped XXXX points from the account closure and missed payments, and Ive lost a line of credit that Ive had for years. When I contacted Barclays I was told nothing could be done and I filed a complaint to have someone contact me. I have not received any communication from them since filing the complaint. I am beyond frustrated that ZERO attempt was made to contact me via phone ( which is on file ) or post about the outstanding balance, other than the letter that arrived 5 months later stating that the account had already been closed - ruining my credit score and removing my access to this line of credit. Its about more than the estimated {$55.00}, this has deeply impacted my ability to obtain other lines of credit and will take years to repair. I feel cheated that not one customer representative tried to contact me to collect payment, solely relying on an automated service that was hanging in limbo in an abandoned email account.
Product: Checking or savings account

Consumer Financial Protection Bureau Complaint Submission Re : Unresolved XXXX Transaction Reversal Dear CFPB, I am writing to file a complaint against US Bank regarding an unresolved XXXX transaction. 

On XX/XX/year>, I initiated a XXXX transaction in the amount of {$2000.00} to XXXX as XXXX with XXXX number XXXX. Subsequently, the recipient initiated a reversal of the transaction, resulting in the funds being deducted from my US Bank account without being returned. 

Despite multiple attempts to resolve this issue with US Bank, including filing a formal dispute, I have been unable to recover the funds. I have received confirmation from an unnamed individual at XXXX XXXX  that the funds were indeed deducted from the recipient 's account. 

I believe that US Bank has failed to adequately investigate this matter and take appropriate action to resolve the issue. 

I request that the CFPB investigate this matter and take appropriate action to compel US Bank to return the funds to my account. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/year> I bought a car thru XXXX XXXX and by the XXXX of XXXX I returned the car due to a lot of issues with it I wasnt given a bill of sale a title or any of that. I never got my money back I've asked serval time and made serveral disputes I want my XXXX back
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Mortgage

I had the Firm of XXXX XXXX XXXX, represent me in my loan modification for 3rd time, I had a loan modification done with XXXX XXXX XXXX in XX/XX/XXXX, legal and notarized I made the payments according to the Loan Modification Account No : XXXX dated XX/XX/XXXX it was a loan modification way before every consumer affected by the XXXX XXXX Fraud to millions of consumers, we took the case to XXXX courts on case No : XXXX, and had 4 legal defense attorneys proving the lender did not have the Title or Note, the judge clearly took the Bank side and the illegal transfer they did after XXXX XXXX XXXX went Bankrupt, it has been 9 years of complete nightmare I am senior citizen XXXX XXXX Veteran, and I have seen how the Banks manipulate their paper and interest, I just viewed a Title report that is Fraud in order to do a Foreclosure Sale on my home next week XX/XX/XXXX, it was done by XXXX XXXX, ( aka ) XXXX XXXX by XXXX XXXX XXXX Report Date : XX/XX/XXXX report No : XXXX, they lied and did not report I was the Owner on the property as shown in XXXX Property search and did not filled the information on sales and transfers done with my property as XXXX XXXX Clerk of the courts shows, I ca n't believe that corporations are doing Fake Titles for Mortgages in order to sell the homeowners only home, even with a filed XXXX on record of the court they laugh and continue to do Fraud, I sincerely hope that your agency could place a stop by your powerful office from the US Goverment and help me out on my desperate situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with XXXX for several months regarding these fraudulent accounts and inquiries on my credit report. I talked to several people at XXXX Consumer Affairs Office such as XXXX and Ms XXXX and neither representative have removed these fraudulent accounts and inquiries from my credit report. 

XXXX negligence has caused me to not get job opportunities because they refuses to delete and remove these fraudulent accounts. I have sent several letters as well as faxes but XXXX refuses to remove accounts. 

XXXX has violated my rights by not removing and blocking these fraudulent account under FCRA within four days. XXXX is also violating my rights be reinserting fraudulent accounts back in 2014 on my credit report without notifying me within five business days. 

XXXX XXXX XXXX  XXXX representative by the name of XXXX XXXX sent me letters stating for all three major credit reporting agencies to remove these fraudulent XXXX  XXXX accounts from my credit report, but XXXX refuses to follow the law. This is why XXXX is constantly getting sued because they are refusing to obey and follow the law.
Product: Debt collection

On XX/XX/2018I had outpatient XXXX at XXXX XXXX Medical Center XXXX XXXX XXXX, in XXXX, FL. Prior to the XXXX the outpatient XXXX nurse at XXXX had contacted my physician, XXXX XXXX XXXX, MD, in XXXX XXXX, Fl and given him a list of pre-op laboratory tests that were required to be completed prior to the procedure. This list omitted the PT and PTT tests. These tests could have been done by the lab that did my other tests, at little or no expense to me, but because they were omitted by XXXX 's nurse, the hospital did them as a " stat '' test immediately prior to the outpatient procedure. Neither the procedure or the tests are considered to be for an " emergent '' situation for the following reasons : 1. this was an outpatient test and the diagnosis did not warrant admission to the hospital. 2. The physician that performed the XXXX XXXX  at XXXX did not deem the test as " stat '' or emergent as his office scheduled the test 3 weeks after the referral to his office was submitted by my consulting spine surgeon. 3. the diagnosis of possible XXXX  XXXX is by definition a chronic, not acute, condition. 
I was not given the opportunity to have my lab perform the tests because outpatient intake nurse said she would " take care of it ''. The procedure could have been rescheduled for another time but this option was not presented. Instead my blood was drawn and the tests done and the charge that was submitted was for a " stat '' procedure.