23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Ok so I received a check for a settlement loan company XXXX XXXX I had just opened up a.bank account with Citi bank I walked in branch to deposit check for XXXX $ $ the teller told. Me since it was a. New account I 'd have to wait five days ok that 's fine next day XXXX try to log in my online banking and it says no account t To display as if I did n't have A account so I call customer service spoke to some lady who tells me where I got this check from I tell her it 's a settlement loan then I said u.can call to verify if there 's an issue with check she says they tried calling to verify but that they were told account number check was drawn out of isnt a real account then she tells.me my card and any access to funds will b restricted til XX/XX/XXXX when they will know if check will be paid or not once again I have no access to my money if I was n't in need of my money why would I b asking for a loan it me just ridiculous and I do n't get how they can do that block my card and restrict access to my own money
Product: Mortgage

I am currently serviced through Rocket Mortgage. They offered me the foreberance program for Covid 19 releif. When presented, we were left under the impression that the foreberance program was a pause in payments, nobody from Rocket Mortgage contacted us to discuss what the program actually was. They did not pause payments, instead at the end of the program which just ended in XXXX, all payments during the forebarance became due. Not just escrow shortages for taxes and insurance, no every payment of almost XXXX because due, for a near total of XXXX. Both my wife and I are currently unemployed, we are both struggling with employment while taking care of our recently diagnosed XXXX son. Per my research... 

Fair Credit Reporting Act has asked servicers ( Rocket ) to consider the impact of COVID on borrowers situations, and provide flexibility where needed Rocket did not provide any information regarding COVID-ALM - this was a requirement per FHA To my recollection we did not receive a letter of NO LUMP sum is REQUIRED Rocket made it clear it was required to pay at the end of the forbearance, or sign up for a plan to repay immediately or we would go into default and take a negative hit on our credit report - even though we are waiting on XXXX in assistance Rocket did not send a letter to Borrowers ( us ) to sign and return about any loan modification options ( 30 days was required for our review ) Rocket did not provide any information to include additional months of total outstanding debt at the time of any mortgage modifications ( FHA requirement XXXX COVID-ALM would have fully reinstated the mortgage as follows : Must fully reinstate the Mortgage ; The COVID-19 Recovery Standalone Partial Claim amount includes only arrearages, which refers to any amounts needed to bring the Borrower current and includes : Mortgagee advances for escrow items ; projected escrow shortage amount ; and related legal fees and foreclosure and bankruptcy costs not higher than the foreclosure-related fees and costs HUD has identified as customary and reasonable. All Late Charges, and penalties must be waived. Mortgagees are not required to waive Late Charges, and penalties, if any, accumulated prior to XX/XX/2020. 

Borrowers have the RIGHT to request a covid loss mitigation assistance through the termination of covid national emergency - no information was provided by ROCKET Rocket did not provide any resources or assistance to support the reinstatement of the mortgage Applied and were approved for a grant which is XXXX to be sent to Rocket - Rocket did not provide any type of assistance after efforts were made to bring the mortgage up to date or extension options.
Product: Credit card or prepaid card

Text and emails from www.synchrony.com phone # XXXX XXXX Claiming {$9.00} was charged on my TJM rewards card and this was a fraud alert and to verify if I recognized this purchase. When I called they wanted the numbers on that card, I would not give them. They wanted my address, I said to email. They wanted physical address. I asked them to tell me what they had and I would verify, they denied. I asked them to verify my address in bits of information I gave them, giving them incorrect information in some cases and they could relay that it was not what they had on file. They asked if I had lost any of my forms of ID. I replied no. I tried to call them back to inform them I was reported this as scam and the automated system said it didnt recognize my number and could not put my call through.
Product: Debt collection

I recently filed an identity theft report in XX/XX/XXXX and there is still showing a collection from Credit Collections SVCS for {$320.00}. I included an identity theft affidavit with my report and it needs to be removed immediately due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and noticed fraudulent accounts listed on my credit report. I am a victim of identity fraud and my information was obtained to open fraudulent accounts. I request this fraudulent information be blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out a number of times and advised that the BANKRUPTCY was not properly verified and they are not mines. I have attached a copy of the letter that was mailed to me from the Bankruptcy courts here is XXXX XXXX. 

XXXX have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$340.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We sold our house in XX/XX/XXXX while it was in forbearance. The day the sale was recorded, we received a XXXX late charge from the date the forbearance began. While disputing the first one, we got it off of the XXXX report but not the other two. 

While arguing that first issue, we got another XXXX late charge in XX/XX/XXXX despite not owning the home.
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. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  - 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 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

THIS IS MY 2ND ATTEMPT TO RESOLVE THIS MATTER WITH EXPERIAN WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE EXPERIAN DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite Experian has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX # XXXX Ref # XXXX shows a balance of {$1200.00} which was sold to a collection agency by the name of XXXX XXXX according to a notice I received on XX/XX/2020. Account XXXX/XXXX  # XXXX shows a balance of {$410.00} and was sold to a collection agency by the name of XXXX XXXX XXXX according to a notice I received dated XXXX Ref # XXXX. The Account XXXX/XXXX  # XXXX has a balance showing {$6200.00} and was sold to a collection company by the name of XXXX XXXX Ref # XXXX according to a notice sent to me dated XXXX. These collections are not currently appearing on my credit due to fraud but for some reason Experian continues to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every credit reporting agency has removed these from my report EXCEPT for Equifax. 

Equifax failed to provide me with documentation and PROOF that this collection and collection amount belongs to me. It needs to be removed immediately. 

XXXX XXXX XX/XX/2022 {$3900.00}
Product: Credit reporting

The resolutions given by the agency for the previous case were to validate all accounts and to state that I was disputing the accounts that were correct when my issue were with the ones that I could not verify on my report. Once I received the mail response I used the confirmation number on the report to file a dispute online, providing statements from the guaranty agency collecting my student loan and all of my loans from the national student loan data system. I had requested an update to the account statement one the student loans I was not in dispute with. The resolution from the full reinvestigation came through today, and for the accounts that were not reporting correctly the result of the investigation was to only remove the historical data. The balance, open status and incorrect statement on those accounts remain, but there was no mention that any of the remaining information was verified by the source as done with the issues with the student loans that were not in dispute but I was wanting the statement that I was disputing them after resolution changed. For those accounts, they refuse to remove the additional information because the source reported it that way, but I never disputed with them and in fact I am close to fully rehabilitating those accounts and have no issue or complaint with them. Any dispute was made from however Equifax presented their request for verification of my loans. I keep disputing the agencies claim that I 'm disputing those accounts after resolution solely because they investigated the incorrect accounts from the start of the investigation and did not look further into the ones that I knew were incorrect until I provided more statements to show the error in those reports. I have never needed confirmation that the verifiable accounts were correct, I knew they were and it frustrates me that they refuse to clarify the error caused by their lack of due diligence. I the issue clarified with the source that their accounts were never in dispute with me, despite what Equifax has told them so that they can remove that statement from my account.
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. 

XXXX XXXXXXXX XXXX : # XXXX AND XXXX XXXX XXXX XXXX XXXX : # 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 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 or other personal consumer reports

Evrything tarted back on XXXX of 2014 I had decided to open a saving account with XXXXXXXX XXXX on line yes they were many popupd so I activaded the adblocked and a black screen came up on my computer quicly compuyrt comprimised and I Disconected it and then after 20 minutes turned the pc on and it worked normally after 5 minutes it came back again and large blue screen I was doing something and my account from XXXX XXXX was comprimised that day I called geeks on site to remove the blue screen they did and when the computer came back it was on XXXX XXXX on line account the balance read XXXX dollars I lost that day XXXX I had to pay the card up and asked XXXX XXXX to un report once it got payed up and they did but some time later XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had any account with these creditors as i know as there intrest rate and services are
Product: Credit reporting or other personal consumer reports

In accordance XXXX the fair credit reporting act convergent accoun 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 XXXX XXXX. The financial institutions have violate my right.
Product: Credit card

I was sent a letter on XXXX, stating that my account was closed and that my card can not be used, in the letter it stated many false factors that they claim they used to make this determination. It stated I have delinquencies, loans are to high, as well as time since accounts went delinquent. 

I have printed out my report from XXXX, on the report it shows my score is a XXXX, up XXXX points, shows that I have XXXX in collections, XXXX late payments, XXXX public records, and all my payments from my vehicle to best buy, and my other small credit card paid on time, never late. 

So credit card companies can now just cancel your in good standing account, damage your credit, and give no feasible reasoning? And we will add, magically after the holidays and using it for the holidays to purchase presents from their business, now I am left to pay off a balance, they got their money, cancel my card, which in turn will damage my credit!
Product: Debt collection

The information that I used to sign up was put on the dark web. Surveillance was used to steal my belongings.
Product: Checking or savings account

RE : Complaint Regarding Non-Payment of Certificates of Deposit Dear CFPB, I am writing to formally lodge a complaint regarding my dealings with XXXX XXXX Bank. Many years ago, I purchased Certificates of Deposit ( CDs ) for my children and myself from the XXXX XXXX Bank. However, I allowed the funds to remain in the bank when I left the state in XX/XX/XXXX. Recently, after returning to the state in XXXX, I found the paperwork for my CDs and promptly contacted Simmons bank, which have since acquired XXXX XXXX Bank, to claim my funds. 
To my dismay, despite sharing with the bank 's XXXX of Directors that I am a XXXX  citizen, and that this situation has caused me significant stress, I have been repeatedly given the runaround. Although the bank has informed me that my accounts have been redeemed, I have never received any documentation or proof that I personally redeemed them. I have made clear to them, that I have never redeemed these CDs. 
I have requested clear and concrete proof of redemption, including my signature, as I am the only individual authorized to redeem these CDs. Despite my repeated requests, the bank 's representatives have ignored my inquiries and have refused to provide me with any evidence to substantiate their claims. This has been incredibly frustrating, and I believe I am owed thousands of dollars by the bank. 
I would greatly appreciate your intervention in this matter to ensure that XXXX XXXX XXXX XXXX provides the necessary documentation or compensates me appropriately for the funds that were required to be held in these accounts. 
Thank you for your assistance in this matter. I look forward to your prompt attention. 
Sincerely, XXXX
Product: Debt collection

The debt was charged off by [ United bank ] I believe the debt has been canceled or forgiven, as evidenced by [ settlement agreement, credit report entries, etc. ]. 
I contacted [ United bank ] to request the required 1099-C form, but they refused to issue it. I need this form to fulfill my tax obligations with the IRS. I request that the responsible party issue the 1099-C. 

Additionally, the debt is still being reported on my credit report as [ status, e.g., charged off or open ], which is inaccurate and unfair. If the debt has been canceled, it should no longer appear on my credit report. I request that this debt be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). **
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by ENHANCED RECOVERY COMPAN Reported : XX/XX/2019 {$220.00} in the file you maintain under my Social Security number. 
No contract exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported.

I challenge the accuracy, compliance and reportability of these listings.

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 items are inaccurate and incomplete and represents a very serious error in your reporting.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent 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 : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a fraudulent account on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized account that I believe to be the result of identity theft. I have already contacted the bank associated with this account XXXX XXXX ago, and they assured me that they would remove it from their records. It has come to my attention that other credit bureaus have already deleted this fraudulent account from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the account continues to be reported on my credit report by your bureau. To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of this account. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Home Mortgage is committing Fraud and not in compliance with FDCPA Upon my consumer rights I requested a cease and desist from all communications Recorded time and date see CFPB report Also Registered home phone and cell phone numbers on the FTC Do Not Call Registry The Fair Debt Collection Practices Act ( FDCPA ) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Here are some answers to frequently asked questions about your rights. 

This is explicit and unlawful activity FOR THE RECORD Today XX/XX/year> Wells Fargo XXXX XXXXWELLS FARGO called see : attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical account listed on my credit report that do not belong to me, however, no medical debt should be on anyone 's credit report due to PII information which is a federal violation. Please remove that collection in it's entirety as this is hindering me from obtaining property via credit. Lastly, there are a few inquiries that I did not authorize ( XXXX XXXX, and XXXX ). Please remove them as well.
Product: Credit reporting or other personal consumer reports

I have requested Experian multiple times to update the balance for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. There is no balance for the overdraft account. I have sent supporting documentation to show no balance exist. However there investigation shows no change to the balance. I have sent certified letters as well as calls to address this. There hasnt been a reporting for this account since XXXX. The clearly shows an error of reporting. I have also contacted the creditor but no update has been made. 

There was also a collections account form XXXX XXXX XXXX that was not verified. I contacted the XXXX XXXX XXXX and XXXX and neither party can provide any documentation asserting Im the account holder. Yet Experian has claimed this had been verified. It is noted that ONLY Experian is reporting this inaccuracy for both accounts.