23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Corvid 19 CARES act clearly states mortgage servers are required to provide 180 days mortgage payment relief and another 180 days mortgage payment relief upon request without penalty or accrued interest. On XX/XX/2020 requested Covid 19 CARES mortgage relief from Mr. Cooper ( Nationstar ) was given 90 day forbearance with balloon payment due at the end of 90 day forbearance period. On XX/XX/2020 sent certified letter to Mr. Coorper ( Nationstar ) to advise Covid 19 CARES mortgage relief requirement and request 1 year mortgage payment relief. On, XX/XX/2020 called Mr. Cooper ( Nationstar ) to request 180 days payment relief and the option for up to 1 year payment relief. Mr. Cooper ( Nationstar ) has denied my request.
Product: Money transfer, virtual currency, or money service

After several attempts and at least two emails, I have never received the products a refund, or even been contacted by the seller on this dispute. It seems to me this was a fraudulent transaction where XXXX has done nothing to provide me a refund. 

XXXX XXXX XXXX XXXX, XX/XX/2022 We have finished reviewing your dispute We have completed a review of the money transfer you sent on XX/XX/2022. Below are details for this transaction. We have now closed the dispute. 

If you have any questions about this transaction, email us at XXXX or call us at XXXX. 

Transaction Details Transaction Date XX/XX/2022 Payment Amount {$81.00} USD Recipient XXXX Transaction ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME WAS USE TO GET MEDICAL PROCEDURES DONE ALSO USE FOR A LOAN THAT IS FRAUDULENT IN MY NAME SOMESONE USE MY SOCIAL SECURITY NUMBER ALSO HAS MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX are sharing all my Personal and Confidential information with other companies with out my permission or consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's been more than 60 days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately ACCOUNT : XXXXXXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX XXXX  XXXX ACCOUNT : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2019
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XX/XX/XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and must continuously monitor my credit as there continues to be fraudulent accounts on my credit file. The fraudulent items are 2 XXXXXXXX accounts, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXXt and 2 XXXX XXXX accounts. These accounts were not authorized by me and are fraudulent.
Product: Debt collection

I asked them to verify the debt by providing documentation with my wet ink signature but I didnt receive anything back from the company.
Product: Debt collection

Long issue condensed:1. Debt collector ( Enterprise Recovery Systems XXXX Inc. ) sends letter to me XXXX/XXXX/15 with 30 day deadline to respond. 
2. Response letter ( offer to settle account valid until XXXX/XXXX/15 ) from my attorney sent to ERS XXXX/XXXX/15 via fax and US mail. 
3. No response from ERS. 
4. ERS places file on my consumer credit reports XXXX around XXXX/XXXX/15. 
5. I call to follow up on why that happened, as my offer to settle on XXXX/XXXX/15 was never responded to. Spoke with XXXX XXXX XXXX/XXXX/15. Explained that I do not owe the debt, as it was discharged under XXXX subsequent to my unanswered offer to settle. Offered to send proof. XXXX was supposed to investigate and call me back. No response. I called several times and left messages on XXXX ' voice mail XXXX, XXXX and XXXX. No return calls. 
6. I file a complaint with Michigan Attorney General around XXXX/XXXX/15. 
7. Call from XXXX XXXX XXXX Ombudsman XXXX for ERS on XXXX/XXXX/15. Says she 's following up on my complaint. Offered to send proof of discharge. She gave me fax/phone number to do so. 
8. XXXX and XXXX faxed proof of discharge to ERS. 
9. Called XXXX XXXX, XXXX & XXXX to follow up on fax. Left messages on the XXXX and XXXX with no response. Finally spoke with XXXX on XXXX. Stated she did not receive any faxes from me. Asked for her email address to resend. 
10. Sent email with attachments showing proof of XXXX, XXXX & XXXX faxes in addition to XXXX letter. Requested from XXXX, but did not receive, receipt confirmation of email. 
11. Called XXXX XXXX/XXXX/15. She stated that she did receive my email and that she forwarded it to their client, XXXX Michigan University, for review. 
12. I asked her when she anticipated a response from XXXX. She stated she would follow up on Monday XXXX XXXX/XXXX/15 XXXX. Told her that I would call her on XXXX/XXXX/15 to ascertain XXXX 's response. 

Conclusion : In light of all the lies, deception, wanton neglect, I do not trust that ERS will or has followed through with anything they claimed they would. I have repeatedly called this business -- sometimes receiving busy signals, people picking up the phone then hanging up, denying receipt of faxes and mailed documents, etc. They are extremely unprofessional and inefficient. Meanwhile, THEY HAVE REPORTED THIS ACCOUNT TO THE CREDIT BUREAUS AND CAUSED MY CONSUMER CREDIT SCORE TO DROP BY XXXX POINTS!!! ERS sent me a letter dated XXXX/XXXX/15, where XXXX issued a weak apology for human error as to why the XXXX letter was never responded to. Nonetheless, as it stands, ERS ' negligence has caused me to lose out on business opportunities and I want this account to be removed from my credit ASAP! 

I can send CFPB proof of everything asserted in this complaint. I am frustrated and need intervention today. 

Thank you,
Product: Checking or savings account

This is a follow-up to a previously submitted complaint ( Complaint ID : XXXX ) that was closed based on the response provided by Capital One. Since XX/XX/2022, Capital One has restricted my checking and savings accounts, holding the funds, based on a claim of suspicious activity that they were allegedly investigating. Since receiving communication in the form of an email on XX/XX/2022 regarding these actions, I have been unsuccessfully attempting to contact Capital One, including the Customer Protection Resolution team I was referred to. During this time period I have continued to receive paper statements from the bank showing the available balance on the accounts as if the funds were available while the online portal shows that the accounts are restricted and the funds can not be accessed. 
I filed the above referenced complaint in XX/XX/2022 and Capital One responded on XX/XX/2022 with a letter citing the account disclosures agreed upon at the time of account opening ( which XXXX obviously aware and familiar with ) and claiming that their records confirmed transaction activity that goes against the terms and conditions which resulted on a restriction being placed on the account on XX/XX/2022 with an investigation into the account. They also indicated that the account was part of an ongoing investigation but a decision was made to terminate the relationship and that once the investigation was over they would mail any funds owed to me via check to the mailing address on file. The letter included a phone number and available times to contact the sender for additional information which I have unsuccessfully attempted at various time intervals within the timeframe provided. I have left voice mail messages at the number provided since early XXXX when I received the letter and for over two months have yet to receive a callback. The letter was submitted as a response to my initial complaint and was signed by XXXX, on behalf of Capital One. 
I am submitting a second formal complaint against Capital One for this matter as they have violated my rights as a consumer and should be held accountable for providing valid and complete information on this matter. Attached are the communications I received from Capital One including the letter they submitted to close the initial complaint filed.
Product: Debt collection

XX/XX/XXXX customer called the company about a settlement letter for {$1200.00} from the original creditor XXXX company representative called and transferred to manager where he asked for the letter to emailed to him XXXX company representative called and stated that the offer was approved and wanted to set up payment ... planned for XXXX but the company was closed XXXX company representative called in the morning and afternoon ... I submitted the credit card info just to be told there is a problem. They asked for a copy of the letter XXXX company representative called again to offer a XXXX settlement and then transferred me to a manager. I politely said no stating you agreed to one amount just change it to a higher amount when I was ready to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccuracies disputed with TransUnion. 

MEDICAL Open Since XX/XX/XXXX Account Status Derogatory Current Balance {$96.00} Account Details MEDICAL Collection XX/XX/XXXX XX/XX/XXXX {$96.00} - Individual Payment Details ollection/Chargeoff MEDICAL Open Since XX/XX/XXXX Account Status Derogatory Current Balance {$110.00} Account Details MEDICAL Collection XX/XX/XXXX XX/XX/XXXX {$110.00} - Individual
Product: Debt collection

I received a collection notice from XXXX XXXX out of XXXX Delaware. They allege I have seriously past due amount owed to XXXX XXXX XXXX for {$30.00} plus collection fees of {$4.00} for a total of {$34.00}. 

I do not have a XXXX XXXX account nor have I ever been billed by XXXX XXXX XXXX for any services correctly or incorrectly billed. 

I find the practice of Transworld Systems wholly intimidating and quite illegal. 

Please investigate this company and it 's unethical practices. The notice is dated XXXX XXXX 2017 The alleged invoice stated is XXXX XXXX the file number is XXXX my unique registration code is XXXX. The notice also states there main office at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA. 

Thank you
Product: Credit card

This company thinks that I have an account with them. SYNCB/WALMART. XXXX. Please have it removed from my record. Thank you!
Product: Mortgage

PHH MORTGAGE AND XXXX XXXX ARE ATTEMPTING TO FORECLOSE ON MY PROPERTY WITH FRAUDULENT ASSIGNMENTS, THEY HAVE BEEN SENT A QWR WHICH THEY WILL NOT SEND A RESPONSE TO. I ALSO SENT A NOTICE OF ERROR AND NOTICE OF DEFAULT. THE LOAN WAS APART OF THE GLOBAL WIDE SETTLEMENT WITH THE DEPARTMENT OF JUSTICE AND THE STATE ATTORNEY GENERAL,. THE HAVE REFUSED TO SEND THE GAP ACCOUNTING ALL PAYMENTS FROM PREVIOUS SERVERS
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX  accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If they 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.
Product: Credit reporting or other personal consumer reports

There are Collections and Charge offs and Late payments that are on my credit report and I have contacted Transunion, XXXX and XXXX on many occasions and they have failed to respond to my disputes.
Product: Checking or savings account

Opened a checking account with TD on XX/XX/2018. A few days later I attempted to attach my XXXX account to the checking account, and shortly after TD locked my account. When I called in to unlock the account, I was told I needed to verify my identify in person at a branch. This is not possible due to the one-way 4 hour drive to the closest branch and after I told them as much, no helpful response was given.

I immediately told them I'd like to close the account, but was denied that ability due to them being unable to verify my identity despite the very process that allowed them to open a checking account in my name in the first place. 

I assumed the account would close within 20 days because due to the XXXX XXXX XXXX accounts are closed when not funded, but when I attempted to link my XXXX, XXXX sent trial deposits and never withdrew them since I didn't have the opportunity to verify the trial deposits. Since this occurred, the account was never closed, I've been charged a $ XXXX monthly maintenance fee, and I can't access/close the account without making an 8 hour trip to the nearest branch.
Product: Prepaid card

First dispute filed XX/XX/XXXX for the amount of {$1100.00} claim # ending XXXX was repeatedly being denied finally was ruled to my favor till XX/XX/XXXX nearly 8 months. Second dispute XX/XX/XXXX for the amount of {$2700.00} claim number XXXX was being denied till XX/XX/XXXX was ruled to my favor after 3 months. Third dispute XX/XX/XXXX {$860.00} claim number ending in XXXX was being denied repeatedly till XX/XX/XXXX over 4 months of disputing. Forth dispute XX/XX/XXXX {$1500.00} claim number ending in XXXX disputed for XXXX weeks till XX/XX/XXXX. My favorite one been disputing since XX/XX/XXXX for the amount of {$5200.00} claim number ending in XXXX and Im Ive yet to receive my money back today is XX/XX/XXXX Ive filled a police report number ending in XXXX a ftc claim number ending in XXXX a fdic claim number ending in XXXX and XXXX separate CFPB claims numbers ending in ( XXXX ) - ( XXXX ) - ( XXXX ) and yet havent received anything yet this is ridiculous if any one bothers to ask I may want to ad BofA has a huge security problem with their prepaid cards and someone needs to address this immediately!!!
Product: Debt collection

i recieve an email from XXXX XXXX and it say i dont owe them anymore debt, but i dont know why it was not update to the debt collection.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Debt collection

XX/XX/2020 An debt validation letter was sent to Nationwide Recovery Services that is reporting a debt to the credit bureau. Nationwide Recovery Services did not validate the debt but still violating the Fair Debt Collection Practices Act by reporting a debt that they saying I owe them and I dont and it's causing Extreme hardship in my life. In this complainant I will provide all the evidence to show that Nationwide Recovery Services did not verify the debt they say I OWE THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

violating my consumer rights according to 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXXXXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of 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. This is the 3rd time Im submitting a complaint please reply within 14 days.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights. 
Under 15 USC 1681 section 602 it states I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX, XXXX AND TRANSUNION and multiple creditors have reported late payments and they are as follows : XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX These are accounts that I have not given XXXX, XXXX AND TRANSUNION my written instruction to report. 
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
Product: Debt collection

That was charged off and paid send me 1099 forms to submit into the IRS. I need the original documentation and your past statute of limitations beyond beyond I command and I invoke right now to update all inaccuracies as I pursue litigation.
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX XXXX was taken out of my account then again XXXX was taken from my account an there how bunch more transactions I did not make
Product: Credit card or prepaid card

I am attaching documents showing that I have asked the account to be closed. I also sent additional documents with my CFPB Ref no : XXXX-XXXX. I am asking for my account that I closed to actually be closed! I am attaching a letter from my attorney. I am attaching billing statements I continue to receive for an account I no longer have.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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.

*Not licensed or authorized in Ohio .