23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against National Credit Systems for their egregious violations of my rights as outlined in the Code of Federal Regulations ( CFR ) and the United States Code ( USC ). Furthermore, I am disputing any and all debts claimed by National Credit Systems, and I am revoking all rights for them to communicate with me via email, text, and phone calls.

Under 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to accurate reporting of information to consumer reporting agencies. Despite this regulation, National Credit Systems has inaccurately reported information about my credit history, leading to erroneous information on my credit report. Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher. I have made numerous attempts to dispute the inaccuracies with National Credit Systems, but they have failed to investigate or correct the errors as required by law. Additionally, 12 CFR 1006.34 ( d ) mandates that furnishers of information must conduct a reasonable investigation of disputed information. National Credit Systems has failed to fulfill this obligation by neglecting to conduct a thorough and fair investigation into the inaccuracies. Moreover, according to 15 USC 1681-S 2 ( 7 ) ( A ), consumers have the right to accurate reporting of information by consumer reporting agencies. National Credit Systems ' failure to ensure the accuracy of the information they report to consumer reporting agencies directly violates this provision. In addition to disputing the inaccuracies in reporting, I am formally disputing any and all debts claimed by National Credit Systems. Furthermore, I am revoking all rights for them to communicate with me through email, text, and phone calls, as provided by the Fair Debt Collection Practices Act ( FDCPA ). As part of this dispute, I request the following : Debt Validation : I request that National Credit Systems provide validation of any and all debts they claim I owe, including detailed information regarding the origin and nature of alleged debt. 

Purchase Agreement : I request that National Credit Systems furnish a copy of the purchase agreement between them and the original creditor for each alleged debt they claim I owe. 

Proof of Licensing and Bonding : I request that National Credit Systems provide proof that they are licensed and bonded as required by law to engage in debt collection activities. I expect National Credit Systems to comply with these requests within the time frame prescribed by law. Failure to do so may result in further legal action to protect my rights as a consumer. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to investigate these violations and ensure that my rights as a consumer are protected. Sincerely, XXXX XXXX
Product: Bank account or service

I opened an account with Google wallet which is pretty much a prepaid type of account. My stepfather deposited money for my birthday. I used this money for a hotel on vacation. The hotel over charged a few times and eventually submitted a refund. The day the efund cleared i got an email stating that my account had been suspended for violating terms. Google wallet refused to tell me which terms and stated they had the right to close account without reason. I had a positive balance of {$190.00} on the account and they would not let me access it, stating that it would be refunded to the account linked to card within 30days of account being suspended. We are now on a little over 60 days past account being closed and not only have i not recieved the refund but the company refuses to respond to my emails and will not give any sort of update. I put a complaint in with XXXX. The response Google wallet is giving is that same : that i will be refunded in 30 days even though we are past that. I have copies and copies of emails and my XXXX complaint that states in writing from them that it will take no longer than 30 days. At this point they are violating my rights and causing me a get deal of stress and time to resolve this. They are violating their own terms and i should not have had to wait this long for my refund.
Product: Credit card

On XXXX someone stole my credit card number and booked a flight from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$130.00}. I notified Citi about this and reported it as fraud. They opened a dispute. Citi contacted the airline, and the merchant responded. They sent the entire flight manifest, the name and contact information for the person who made the charge ( XXXX XXXX ) with cel phone number and address. However, Citi then reversed my credit and closed the dispute although this information proved that I DID NOT purchase these tickets. 

I've now reopened the dispute, and they've reached out again to the merchant. When I called Citi today, they said they couldn't guarantee any resolution and couldn't provide any information. When I asked if they had reviewed the information from the merchant which proved someone else made the purchase, they said they couldn't verify that. As a customer and victim of fraud, it seems there is no way to prove this, although the printed evidence shows that I was not on the flight manifest and I did not make the purchase. I'm very concerned and feel that Citi does not care about my rights as a customer, because they are choosing to ignore the printed evidence from the airline. 

My XXXX XXXX  card customer agreement states that I'm not responsible for charges that I didn't make. I've submitted emails and signed statements to Citi, but they still have not resolved this issue. Furthermore, they sent the contact information for the person who stole my card directly to me, which does not match any of my information. 

I plan to close my Citi card, but need this dispute resolved immediately. I do not trust this credit card company to protect me or my personal information.
Product: Credit reporting or other personal consumer reports

I had XXXX credit cards with XXXX  XXXX XXXX. I paid both in a settlement. In XXXX, I received a tax document to file these cards on my taxes. According to XXXX guidelines credit cards can not be counted as credit and income. These XXXX cards are still on my credit report. XXXX account will be removed in XX/XX/XXXX and the other in XX/XX/XXXX. I am unsure how when both were paid at the same time. I have written XXXX, XXXX, and Experian and they refuse to correct my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, I got started using Bright XXXX to help rebuild my credit. They use a software called " XXXX '' to link your bank account to their service to withdraw payment every month. My bank account got disconnected every FEW DAYS and I had to reconnect it. I reached out to customer service multiple times via phone, email, in app chat support etc... ( I have documentation for all of this ). I told them it would not let me make a payment no matter what and my bank account was getting disconnected from their service almost every XXXX hours. Furthermore, whenever I do " relink '' the account, I attempt to make a payment and it says that " I cant make a payment that exceeds the payment limit ''. So there is NOTHING I can do. They have now reported two late payments to XXXX further destroying my credit. 



The only time I received a response was by email OVER 4 WEEKS after the original email/chat message was sent and the response I received was automated. I asked to close my account and pay whatever remaining balance was left and that the 2 missed payments be removed for an obvious technical error. Their response was automated and completely unrelated reading : " XXXX XXXX, I am writing to apologize for the late fee that was charged on your credit card account. We understand that this has caused you inconvenience and frustration, and we take full responsibility for this error. 

To ensure that we can promptly address this issue, we kindly request that you provide us with the last 4 digits of the card that was charged a late fee. With this information, we can quickly identify your account and review the details of the late payment. 

We would also like to request the due amount and the date that the payment was originally due. Please also send us a clear screenshot of the late fee. This information will help us investigate the cause of the late payment and ensure that it does not happen again in the future. 

Please accept our sincere apologies for any inconvenience caused by this error. We are committed to resolving this issue as soon as possible and ensuring your satisfaction with our services. '' I have tried everything with these people and they refuse to respond. Try calling their public number at anytime during their supposed business hours and I guarantee you will not get a response
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Midland Credit Management Dear XXXX XXXX Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from Midland Credit Management ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Misrepresentation of Payment History ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The credit report shows continuous " C '' ( collection ) notations from XX/XX/XXXX to XX/XX/XXXX, yet the balance has remained {$1400.00} with no recorded payments or new activity. 
If no payments were made or missed beyond the initial charge-off date, continuously reporting new delinquencies each month is factually inaccurate and misleading. 
This misrepresentation of account status negatively impacts my credit score in violation of 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information about an accounts status.

Incorrect Account Terms & Reporting Duration ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account is listed with a " 1-month term, '' yet it continues to be reported as delinquent for over a year. 
If the account was charged off or placed in collections in early XXXX, new monthly delinquencies should not continue to be reported. 
12 CFR 1002.6 ( b ) ( 6 ) requires credit information to be reported accurately, including the correct duration and status of an account.

Failure to Properly Update Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows no changes in the amount owed from XX/XX/XXXX through XX/XX/XXXX. 
Despite no updates to the balance, Midland Credit Management continues to report new collection activity as if payments were actively being missed. 
This violates 12 CFR 1002.10, which mandates that credit information be accurate and updated as necessary.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that creditors must ensure credit information is accurately reported and updated. The erroneous delinquency reporting violates this rule. 
XXXX XXXX XXXX Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed. 
Sincerly, XXXX XXXX
Product: Mortgage

I bought a house. In XXXX XXXX for my XXXX XXXX. I was living in XXXX  at the time. Of purchasing my home. So I packed up my wife, dogs and furnishings and clothing.Left our home in XXXX on XX/XX/XXXX.Drove all the way down from XXXX XXXX XXXX XXXX XXXX To XXXX  because I was told closing was on XX/XX/2021. I was told the home was ready to move into on the day of closing. XX/XX/2021. XXXX XXXX From FBC Mortgage LLC. Is who did my XXXX XXXX This house is not suitable for a veteran. I was told that There wouldn't be anything that needed to do any kind. Of repairs to the home. I was lied to. I am a XXXX XXXX XXXX veteran this house is not safe for me to live in. I can not secure my back doors. They are on backwards. I have to use ratchet straps to secure them. Because I can not lock them at all. Windows are cracked some of them are falling out. No chimney cap on the chimney. For the fireplaces. Broken duc work and exposed wires through out the house. Hardly any insulation in the attic. Dead tree branches that should have been removed. I told XXXX and the realtors. That all this stuff needs to be fixed before I close. I was informed that they were having it all fixed. They didn't have anything fixed. They had me pay for all these inspections that. XXXX said needed to be done. To be able to process my XXXX XXXX. She also had me pay for an appraisal that she said she needed for the loan. Then at closing I had to pay closing cost.For After the closing was done. I went to the house. Nothing was done none of. The repairs were done. I Feel XXXX took advantage of me seeing. I am a XXXX Veteran  this house is not safe. I have asked her for appraisal she still has not sent it to me. I have asked her about getting all these things fixed. That should have been fixed. Before I moved in. I was never informed that. To get the power transferred into my name. Was going to cost me XXXX. Water was XXXX have it transferred into our names. I was not informed that house I bought was a squatters house. Finally yesterday I after a month. Of trying to get the inspection reports. My realtor was able to get copies and send them to me. He is still trying to get the appraisal. In the inspection reports it even. States that these repairs need to be done. That it shows that ppl are squatting stay in the house. Only door I can lock is the front door. 3 back doors I can't lock at all. There is no weather stripping around any of the doors. I can't sleep due to being afraid of someone coming into. House to harm me or my wife. All I want is for XXXX and whoever to make this right. Fix the doors and windows. So I can feel safe in my house. I feel that XXXX from FBC Mortgage rushed and pushed this loan through. That she took advantage of me and my realtor. I want everyone to be aware of what hapoen to me. By XXXX XXXX From FBC Mortgage LLC. Before She Doese This To Another XXXX  Veteran. All I want is for Her To Have This Stuff Fixed and Made Right. So I can Feel Safe In My Home. As It is right now. My house is not safe. It is a house from XXXX. Thank you XXXX XXXX for taking Advantage Of A XXXX XXXX XXXX Veteran.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the fraudulent account that is still appearing on my credit report. Despite my previous efforts to resolve this matter, the erroneous information continues to negatively impact my credit score and financial standing. As stated in my previous correspondence, I have never opened or authorized the account in question. This account is clearly the result of identity theft or fraud, and its presence on my credit report is both inaccurate and damaging.

Since my initial dispute, I have not received any communication or updates from your agency regarding the status of the investigation into this matter. I urge you to expedite the resolution process and remove the fraudulent account from my credit report immediately.

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information contained in my credit report. The continued reporting of this fraudulent account not only violates my rights under the FCRA but also undermines the trust and reliability of your credit reporting services.
Product: Mortgage

I requested to have my taxes removed from my mortgage. I was told by 2 different agents that if I paid my negative escrow balance that I would be able to do so. One agent even told me that I would be able to get money refunded to me if I paid my negative escrow. After I paid they informed me that I have to pay off 20 % of my loan before I am eligible to pay my own taxes. I would like to report mrcooper for fraud. They state that they record their phone calls so this should be documented. They are asking me to pay XXXX $ in escrow payments for a XXXX $ insurance payment and a XXXX property tax payment, as well as the negative escrow balance I already paid which was XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have never been associated with none of these addresses. I have been a victom of identify for years and im here to clarify it. These accounts listed needs to be removed off my report asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 


Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

WELLS FARGO HOME MORTGAGE is listed on my credit reports showing i owe a balance.
Product: Vehicle loan or lease

Sent written letter to XXXX XXXX XXXX on XX/XX/20 regarding an account that was sold to them by Chrysler Capital for XXXX. Asked them for validation of debt but as of today still have not gotten a response for them.
Product: Mortgage

SECOND COMPLAINT : Wells fargo bank said there is know wrongdoing on their behalf well we see that no company will admitted wrongdoing even when they are caught like you WELLS FARGO BANK Who we all know i a Repeat Offender, now the only Modification that we remember {$500.00} which was paid off quickly that all we recall but we remember putting down payment {$43000.00} XXXX dollars cash and was making our Mortgage payment faithfully until we be came sick also this loan management called XXXX XXXX XXXX services came out of no don '' t know this from a can of paint, we signed no papers with this LLC we do not have a clue who they are but any companies that swooped down on homes that falls in to foreclosure that can secretly Transferred documentation without the homeowners knowledge is very dangerous my be this XXXX XXXX XXXX XXXX XXXX Should be Investigated along with WELLS FARGO BANK as a repeat Offender., Turning down people of color are a lower income for a Modification is plain Discrimination CFPB show that on their Website I don '' t know what papers XXXX  Doctrine up against me they know they stole our home from me & my wife through Foreclosure, .please Include us in your XXXX XXXX XXXX, XXXX  Treated us unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 SOURCE RECVB add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account Was transferred/sold And I am no longer Responsible for the account. Debtors creditors did not verify this Collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, SOURCE RECVB has violated my rights as a consumer And Im requesting legal action to remove this account immediately.
Product: Mortgage

My title report is showing a {$42000.00} XXXX lien under the name of Bank of America. This loan was paid off more than XXXX years ago. I am now trying to refinance and need this paid off lien reconveyed immediately. I also demand that I be paid the {$500.00} penalty due to me under CAL. CIV. CODE 2941 : California Code - Section 2941 : d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person the sum of XXXX hundred dollars ( {$500.00} ). -My damages will far exceed the {$500.00} you must pay me now, if my refinance is in any way delayed or does not take place as a result of Bank of America 's error in failing to reconvey title timely. 

Thank you.
Product: Debt collection

This account was placed on my credit profile by ENHANCED RECOVERY without my consent wich is in violation of FDCPA and FCRA rules and Reulations, this account was purchsed for profit and is Unverified and or Inaccurate.