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

XXXX ( Credit Collection ) Opened XX/XX/2018 {$30.00} Original creditor : XXXX  XXXX XXXX XXXX  I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow 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. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

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
Product: Credit card or prepaid card

Monday XX/XX/2021 : I called American Express after being locked out of my account and was told my account was permanently closed ( several times within the conversation ) and that a check would be mailed to me. There was " nothing I could do aside from writing a letter to '' the P.O. Box. I requested this information in writing and the representative hung up on me. This was after nearly {$11000.00} XXXX {$9300.00} XXXX of it were government funds. The other deposits were from direct deposits from projects. 

Wednesday  XX/XX/XXXX : I'm told that I need to contact a bank and have them write a letter of indemnity and send it directly to American Express. I asked them which bank and they said they couldn't give me the information. I asked -again- for a letter to be sent to me stating all of this. 

This happened early in the month so I received returned payments from my credit card, phone bill, and WiFi providers each charging a fee of $ XXXX. My rent check bounced. Had to change my direct deposits from previous gigs ; a nightmare I tell you!! 

Friday XX/XX/2021 I received an email about fraudulent activity that I was thought to myself " a permanently closed account can not have failed transactions '' so I called American Express and even going through notes, the representative on the phone was super confused and began an internal review of my account. 

Monday XX/XX/2021 : I receive an email about my account being back to normal.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022 I placed a legitimate wire transfer from my US HSBC checking account to a US account for {$40.00} XXXX. HSBC cancelled the wire as they thought it was fraudulent. They attempted to contact me but I was asleep as was on vacation outside of the US on a different time zone. As soon as I woke up and saw the communication from HSBC I called but the wire had already been cancelled. To date XXXX XX/XX/2022 ( XXXX  days later ) the {$40.00} XXXX has not been returned to my account. Numerous chats and calls to HSBC have not resulted in resolution of the problem and I have been unable to pay the person who expected to be paid on XXXX XX/XX/2022 due to lack of funds and have no idea when if ever the funds will be returned to my account.
Product: Credit reporting or other personal consumer reports

Made complete payment of XXXX $ and XXXX $ payment to XXXX XXXX XXXX XXXX And under 20 % utilization. 

In addition made a payment to XXXX XXXX XXXX XXXXXXXX XXXX XXXX $
Product: Mortgage

NewRez is reporting a late mortgage payment during the 60-day time period after XX/XX/XXXX notification of Loan servicing was transferring from XXXX to NewRez. XX/XX/XXXX mortgage payment was made to XXXX on XX/XX/XXXX within grace period. After discovering payment was returned, we immediately made the payment to NewRez for XX/XX/XXXX and XX/XX/XXXX and future payments have been on time Subsequently, NewRez has denied my request for removal of escrow and reported a 30-day late payment to credit bureaus for me and my co-borrower, XXXX XXXX due to this matter.
Product: Mortgage

I signed a Reaffirmation Agreement with US Bank /US Bancorp on XX/XX/XXXX which states a fixed rate of interest 3 % for 375 Months, filed with US Bankruptcy Court . They are now saying that the modification done in XX/XX/XXXX is what is binding and that the reaffirmation agreement is only for credit reporting purposes. They have not reported any of my mortgage payments for the past 5 years to any of the XXXX credit bureaus. And are now raising my interest to 4 % for XX/XX/XXXX then 5 % XX/XX/XXXX and are amortizing the loan 400 months.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute the account that appears on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent account was opened in my name without my knowledge. I already forwarded the required FTC report to the bank and they have acknowledged that this account was fraudulent and have removed them. However, I have noticed that your bureau has continued to report this account, even though the other credit bureaus have already removed it. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove this fraudulent account, you are not complying with the law and are putting me at risk of further harm. So, I'd like you to remove/delete the account from my report : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX Please investigate and provide, Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

I was contacted on XX/XX/2022 by a man saying he was from Wells Fargo Bank Online Fraud Detection. He told me that {$5000.00} had been put in my account by mistake. He needed my permission to take this money out and told me the money did not belong to me. I gave permission but then I thought maybe I made a mistake. I called Wells Fargo immediately and told them what happened. The Wells Fargo representative checked my account and said that {$5000.00} had been transferred out already. The next day, I went to my Wells Fargo branch and reported it to them. I spoke with the Wells Fargo fraud department at that time and they told me they would open an investigation. 
I called the bank on XX/XX/2022 to check on the investigation because I had not heard anything. The money was not returned to my account. I spoke with XXXX, who told me the money was taken by wire out of my account and sent to XXXX Bank. He said that Wells Fargo had requested from XXXX XXXX that they return the money to Wells Fargo. XXXX XXXX told them that the money was already gone from that account and they could not send it back to Wells Fargo. So the money was lost. I asked XXXX about XXXX XXXX and if it applied to my situation. He told me no, because XXXX XXXX covered fraud but this was a scam, not fraud. So I can not get my {$5000.00} back from them. He told me a letter was already sent to me about this. I did receive a letter later that day which said, " As the money will not be returned from the receiving bank, we are not able to reimburse you. At this time, we consider your inquiry closed. '' I am filing this complaint because I think a scam is a kind of fraud and I think that Wells Fargo, to be in compliance with XXXX XXXX, should return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

Citibank ( studentloan.citibank.com ) online account password requirements do not allow passwords longer than 8 characters. Per NIST guidance, password maximum limit should be at least 64 characters ( and 8 should be the lowest minimum allowed -- not the max, and not for sites containing sensitive data ). I am concerned about the privacy of my information on the Citibank website due to the password limitations. I contacted Citibank over a month ago and asked them to extend the password maximum character limit to a reasonable value, but, so far, they have not done so or indicated that a fix is in progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX XXXX bankruptcy here is this information on it : Record type : XXXX XXXX bankruptcy discharged Date filed : XX/XX/XXXX Date resolved : XX/XX/XXXX Reference number : XXXX I am a victim of identity theft. My personal information was exposed in a data breach in XXXX. This has harmed me beyond repair and the fraud has been included in the bankruptcy which is appearing on my credit report. I have filed an FTC Identity theft report # XXXX Here are the items appearing on my Experian Credit Report Number XXXX : Account name : XXXX  XXXX XXXX Account XXXX Account type : Credit card Date opened : XX/XX/XXXX and also Account name : XXXX  Account XXXX Account type : Charge Card Date XXXX These accounts are both from the data breach that was brought to light by XXXX in XXXX. I am including pictures of both of the fraudulent items as well as documents for identity verification as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention to Equifax. I am a victim of Identity theft. There is a fraudulent collection account that is reporting on my credit report that I need removed expeditiously. I filed an Identity theft report with the federal trade commission which I will upload along with proof of my Identity. I am in the process of renting a property and this has tanked my credit score. It is a defamation of my character. I am urging you to please help me resolve this manner. In order to qualify for a block, Appropriate proof of my Identity which is uploaded. A copy of an identity theft report which is also uploaded. The identification of such information by the consumer which is on the identity theft report. This collection account is not information relating to any transaction of mine. Under section 15 usc 1681c-2, you are required to comply with my request to remove the fraudulent account from my report within 4 days of you receiving my complaint. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have provided all the proof required for the block. Please remove this account ASAP or you're in violation of Federal Law. Thank You for your understanding.
Product: Credit reporting or other personal consumer reports

im victim of identity theft. the information below, which appears on my credit report does not related to any transaction that i have made this is the result of identity theft. 
please block this inf from my credit report.
Product: Mortgage

Back in XXXX of 2021 we started the process of applying for a HELOC with Spring EQ llc and in mid process after a hard credit pull they just stopped contact. We called and were told we were assigned a different loan person. This person reached out once and then nothing. I have names and texts and emails of all. At this point we decided to put the process on hold because life happens. Last week we tried again and got names of multiple companies. Once again Spring EQ contacted us and wanted the business. We talked with 3 different people as it seems theres no internal communication and then settled with a loan officer named XXXX. Emailed a few times, stated he had to pull credit again as it had been too long so he did. And once again other than an email calling me by the wrong name, we never heard from this company again. Thats 2 hard credit pulls and then zero follow up with company. No return emails or calls. Nothing. This adversely affects credit as they know. Attached are just a few of many emails and texts as proof. I have multiple agent names and we have filed a complaint with the XXXX  as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The main 3 bureaus are putting bankruptcy on my credit report. They said, the data furnisher is the US bankruptcy court of XXXX, which is false. I have attached a letter from the US bankruptcy court stating that they don't give out consumer reporting to the third-party bureaus, or to any consumer reporting agency. Nor do they validate or verify consumer information.
Product: Debt collection

HIPAA VIOLATION. On the date of XX/XX/2021 XXXX XXXX and XXXX XXXXs illegally disclosed private health care information to XXXX or more unauthorized parties. A packet containing personal health information that is covered under HIPAA was sent via mail from Transworld Solutions Inc without written consent or signed authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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.
Product: Checking or savings account

A checking account was opened with my information at Bank of America. I received an email letting me know that the account was available. I am unable to contact the bank at this time as they are closed. I will be contacting them tomorrow morning though.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished of my consumer report as they are in VIOLATION Under. 15 U.S Code 1681b - Permissible purposes of consumer reports ( A ) In General to subsection ( ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the WRITTEN Instruction of the consumer to whom it relates. I NEVER gave any consumer reporting Agency WRITTEN CONSENT to report anything on my consumer credit report which is violation of my rights as a federal protected consumer. NO CONSENT IS IDENTIFY Theft and I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint # XXXX was filed XX/XX/22 and it's been more than 30 days and company have not yet responded about account cc/XXXX XXXX # XXXX. By law they have roughly 30 days to respond or they are required by law to remove the account.
Product: Debt collection

I for one never recieved a bill on this debt and for two i called the hospital where the debt is from and they said they dont have any outstanding bill for me because i never even went to the er at or around this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was paid on time XXXX XXXX XXXX. Please update this account to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not Reported XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Not Reported XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Wells Fargo Bank reduced the obligation amount owed on a line of credit that became past due when I became XXXX and my private XXXX insurer engaged in fraud (certified by the XXXX).  This left me on XXXX so I defaulted on this loan.  I have been trying to sell my home to pay of this loan.  Last year, Wells Fargo agreed to reduce the balance of the loan.  I am re-listing my home with a new agent and he said I need to have the lien on my home reduced to the new amount Wells Fargo settled for before we re-list the house for sale.   The settlement letter I have from Wells is dated XX/XX/XXXX and there is no expiration date on the offer.  When I phoned them to ask for a lien modification so they can get the new payoff in escrow after my house sells, they said they wanted to collect the old amount.  So I said:  "Is your letter of XX/XX/XXXX a lie?"  They said, "yes."  

This is an allegedly shady move on Wells part to agreed to a lowered amount in a letter which is unenforceable because of the lien on my home.  A good faith lender should reduce or eliminate the lien in favor of the negotiated amount in this letter so I can give that to the escrow officer to pay off when the house sells.  

CFPB helped me with this matter back in XX/XX/XXXX.  It has an old case number, but we need a new case opened up on this.  The old case number was used in my letter to you XXXX weeks ago and it resulted in a "duplicate."  So I will not give you the old case number unless you ask for it.  However, with my email address you can see the transaction.  Thank you so much for your help.  I am trying to settle my debts with the sale of my home I built in 1987.  I bought private XXXX insurance so this would not happen, but there is no white collar crime enforcement in this country as respects insurance companies.  Thanks for your help.  I really am grateful for the CFPB.  Best wishes, XXXX
Product: Debt collection

Multiple attempts to work out principle payment payoff with company - tried to settle with company after impacts of Hurricane Debby and Milton - Company sold my interest portion of the loan to debt collector - Since then I have received no less than XXXX calls a day XXXX  days a week from the debt collection agency stating that I must give them a call and pay off a {$2800.00} outstanding balance after paying off the principle of the loan to the originating loan company of integra credit - I am now also receiving daily emails with documents to settle this loan from Asset Recover Bureau LLC for this amount of an interest only balance - between the nonstop phone calls from different numbers and everyone I block this is becoming harassment.
Product: Credit card or prepaid card

All of my  Capital one ac counts were included in my  DISCHARGED Chapter   XXXX  Bankruptcy in  2013  ... YET they continue to update the accounts monthly!!! By law they can not continue to update and damage credit after a  discharged bankr uptcy!
Product: Credit card

I have had the account with Capital One for more than 10 years. I always pay on time and more than the amount due. It is business card. This past year I was late twice - inadvertently - I called as soon as I realized it and paid up, again more than was due. Capital One has raised my rate from 6 % to 24 % due to late bills in the past year. I tried to get them to see I was a good customer for a long time, but I was told " If you are late twice, we have the right to raise your rate, and we do n't have to take into consideration if you are good customer or not. '' I was told that they could reduce my interest rate after 12 months of on time payments. This would cost me {$4000.00} to get back in their good graces. This may be legal, but it is still wrong.