23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently obtained a copy of my credit report and noticed XXXX tradelines from Financial Credit Network ( Medical ) I never have had an account with Financial Credit network, never received anything in the mail from them regarding this " debt ''. 

I am requesting under the Fair Debt Collections Practices Act that they validate this debt and prove that it belongs to me. Simply matching up numbers in a computer does not constitute a validation per FTC standards. 

I am suspecting that their intentions are fraudulent and malicious in nature and wanted to make the CFPB aware of the situation.
Product: Debt collection

I originally contacted the debt collection company XXXX in order to reach a resolution on an account that had been purchased by their company. They stated that the debt was not available and that I should call back. I called back and was transferred to a representative that stated my balance as being {$480.00} on an account that was charged off by the creditor at {$190.00}. I offered a settlement of {$250.00}, more than a 50 % settlement. They denied my offer and I stated that I will continue to offer the settlement in hopes that we could eventually resolve this account. I have continued to receive phone calls everyday for about 3 weeks to which I always make a point to answer and reiterate my settlement offer. On XX/XX/XXXX I spoke to a representative for an hour in hopes of reaching an agreement. He offered me {$290.00} and told me that if I did not pay that amount that they will continue to collect and that it would result in me paying the {$480.00} in full. Upon this information I requested written correspondence of the debt. He stated that the document had already been mailed, I asked him where it was mailed as I had not received it and he gave me an address that is not correct for me. I asked him to resend the letter, he refused to do so stating that it would take 7-10 days and that this account does not have the time to wait for the letter to be sent. I continued to request the letter and he continued to refuse to send it stating over and over that this account has been in the office for a month, which is untrue, and that getting the letter would do nothing. This is a violation of my rights as a consumer according to the FDCPA. The collector used untrue statements, harassment tactics, and clearly disregarded to the FDCPA when it was brought to his attention. As a company with previous class action lawsuits regarding similar incidents this clearly falls in line with previous rulings of illegal debt collection practices.
Product: Checking or savings account

People 's United Bank transitioned to M & T Bank on XX/XX/2022. 
I have been unable to get bank statements for my personal and business accounts prior to this date. 

I am attempting to close on a loan and was told that " only the division presidents can get you this. '' I called for support and was on hold for 2 hours to be told this. 
I went into a branch and was told this. 
When I attempted to write a question in my on-line account it said " we are not accepting on-line questions due to high volume. '' Access to my past bank statements should occur and this lack of transparency in the change is affecting my ability to do business.
Product: Credit reporting

I Initiated a dispute via letter to all  XXXX  credit bureaus in which the account reflected. The account was not validated and was removed from my reports. The account is now re reporting on my credit file and its under a new name. So the account was sold to a new collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries that I did not authorize appearing on my Equifax credit report that I request be removed immediately. I filed a police report, put a freeze on my Equifax report and a statement of fraud on my report and provided the police report and identity information to Equifax and they still have not removed the inquiries. I PREVIOUSLY FILED A COMPLAINT : XXXX Equifax 's response was that a dispute process was initiated and I would hear results in 30 days. No verification was actually done by Equifax as 3 days later they mailed a form letter stating that any creditor with my information and authorization has the right to run my credit. I NEVER GAVE THESE COMPANIES MY INFORMATION OR AUTHORIZATION TO RUN MY CREDIT! IT IS FRAUD!!! 

No action was taken by Equifax to investigate and delete the fraudulent inquiries. A police report was filed, a fraud alert place on my credit report. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately. Thank you
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this inaccurate public record for the past 6 months I was a victim of identity theft In the XXXX & also I had some XXXX with same name file bankruptcy and for some reason its showing up on my credit report which once I found our I disputes immediately. It came back verified and then I disputed again and then the bureaus said it was verified by XXXX XXXX and then I disputed with XXXX XXXX after I requested all my information and report they sent I looked it over I looked over and I found out there are many inaccuracies In the public record and if they actually did the investigation they could have easily seen that it wasnt correct and the main issue is XXXX XXXX is saying in writing that they verified this bankruptcy directly from the court house so I went to the court and they wrote me a letter and signed it and it clearly says they dont verify anything with anyone especially XXXX XXXX or any cra and it also says they can not guarantee the accuracy of there public records once they are on file so there is absolutely no way that XXXX XXXX can up hold the laws of the FCRA And make sure they are reporting only verified to be 100 % accurate information is reporting when the place the record is coming from cant even do so. This has harmed my credit it has cost me employment & more embarrassment that I cant put into words I am asking for you to please have this removed and investigate this situation as it is inaccurate and should not be on my file at all. Last dispute I filed with them was on XX/XX/XXXX and the one before that was on XX/XX/XXXX and I uploaded documents to them and they didnt even look over them thats what the lady told me when I submitted on XX/XX/XXXX again.. I will attach them here as well thank you.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX. that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Bank account or service

The Bank of Oklahoma trust department has been concealing important information on a municipal bond issue cusip # XXXX. 
The bank 's trust officers XXXX XXXX, XXXX XXXX and XXXX XXXX have failed to ever file MSRB-EMMA disclosure statements concerning the financial viability of the health care facility. As well as failing to disclose relevant information concerning the operating license and occupancy rate at the facility. 
This information has been concealed by the trust department, while at the same time telling registered municipal bond brokers that the facility was in good financial health. 
This FALSE information was passed along to me as an investor, and has caused me to suffer a complete loss on my investment. 
I request that the Bank of Oklahoma make me whole on the worthless bonds. 
The bank has known that the facility was closed a few years ago, but concealed the detail from investors.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
Chapter XXXX XXXX XXXX Chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

my camper was repossed after i made payment & payment arrangements to catch up on loan, ive been making payments for 4 years & my balance is more now than i t was when i purchased & they said it was interest & late fees, that made the price double, i arranged payments for XXXX for XX/XX/XXXX & XXXX and they didnt get payments out of my account & told me they were returned or declined by my bank in which i had the money in account so they called & said i was repo status and i agreed to pay XXXX every XXXX wks starting XX/XX/XXXX to keep from getting repoed, they took the payment off my debit card & picked up camper the next day with all my things in it.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Caliber Home Loans ( XXXX ) refuses to process our mortgage loan, or consider any others alternatives to foreclosure sale which is pending XX/XX/XXXX. As an urgent effort to save our families primary residence we are requesting an immediate foreclosure intervention by your offices. XXXX is in direct violation to the terms of the National Mortgage Settlement ( NMS ), Making Homes Affordable Programs ( MHA ) as well as recently enacted articles of the Consumer Financial Protection Bureau ( CFPB ). Our family has recovered financially from multiple job separations and other setbacks. All of the negative obstacles which once plagued our family 's lives are finally past us. We are simply seeking a fair opportunity to save our home which we have tried so diligently to keep through all of our ups and downs. 
XXXX, also alleges to have mailed an offer for assistance to our home last winter, XX/XX/XXXX. However, nothing was ever received regarding any such offer to modify our mortgage, we love our home and would have accepted any opportunity to preserve that dream, and these are simply unnecessary forms of lender abuse. 
Additionally we have received notices from XXXX, which have raised alarming questions regarding the ownership rights, as well as XXXX possessing the legal ability to initiate foreclosure of our loan XX/XX/XXXX. XXXX, has given no intelligible response as to the questions we have surrounding the letters which we have attached for your office to review. In fact, we have served XXXX with a Qualified Written Request ( QWR ) in order to force validation of the debt and chain of title and they have failed to respond. As Primary investor, XXXX or whomever claims to be is required to have necessary sales affidavits, the Alonge to the Note as well as complete accounting of our loan immediately after transfers to a new servicer or investor. We feel that our escrow may have been padded during this latest transition as well as XXXX, has countless viable consumer complaints currently pending from homeowners reflecting on their own personal types of unfair and abusive treatment. XXXX, is in violation of improper validation of a mortgage debt following written consumer request, as well failure to record changes here at XXXX County Records additionally failing at their Custodial obligation of Duties under RESPA Regulation Z. 
( See Exhibit A ) XXXX, enforcing there will upon our family surrounding such heinous violations to the Federal housing laws and regulations is a true tragedy. We feel that XXXX, has failed at their ability to conduct their servicing obligations which is transparent nor fair and lacks integrity. As such we implore your office to intervene in our pending sale date as well as open and inquiry within the XXXX organization for wrong doing on multiple levels. We ask that we be allowed to process our loan for loss mitigation review alternatives to foreclosure ; rather than being forced into emergency bankruptcy. 

Thank you in advance for your prompt response to our urgent matter and approaching sale date pending XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report with ( XXXX, XXXX, & XXXX ) and I noticed some late payments posted on my credit report. 

Unfortunately, your agency is in a clear violation of the law. 

Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXX XXXX XXXX XXXX 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 XX/XX/XXXX Exeter Finance Corp XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy chapter XXXXXX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my XXXX credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency credit reports.
Product: Checking or savings account

This concerns XXXX a bank with only online presence. 
Upon loosing my ATM card it took XXXX hours to request another one, and XXXX hours to have it authorized. The company doesnt have enough people to answer the phone. And it gives preference based on the amount of deposit with the bank. 
Also, when trying to make a transfer to another bank, it took 3 days, and it was unclear when it would happen. 
This bank doesnt have a brick and mortar presence, therefore it should have an easily reachable presence on the telephone.
Product: Mortgage

After reviewing the response from XXXX on my initial dispute, they stated BofA was the once who charged off this loan in XX/XX/XXXX. I am sending you the credit history from XXXX XXXX XXXX who serviced the loan for BofA from XX/XX/XXXX until XXXX XXXX at which time BofA contacted me and told me they were assuming services of the loan and to cease payments to XXXX XXXX XXXX immediately. This is where I believe the problem occurred. I stopped making payments to XXXX XXXX XX/XX/XXXX after 2 years of on time payments per instructions from BofA. After calling XXXX, I discovered BofA did n't notify them until XX/XX/XXXX and unknown to me, they reported 4 months of delinquent payments to BofA. I was in constant contact with BofA from XX/XX/XXXX until XX/XX/XXXX when XXXX took over servicing from BofA and immediately charged off the loan. BofA starting in XXXX XXXX immediately put me into a new modification and refused to accept any payments until the modification was complete stating that they could not accept payments until the completion of the modification and assured me numerous times it would not negatively effect my credit. BofA obviously neglected to contact Real Time Solutions for 4 months after instructing me XX/XX/XXXX to no longer make payments to XXXX XXXX XXXX and must have continued negative credit reporting during the modification process and knowingly not accepting payments and eventually charged off the loan. BofA needs to remove this from my credit as it is causing me financial hardship. This loan was never delinquent and should not have been charged off. Attached is the entire credit history with XXXX XXXX XXXX, BofA and XXXX. Please research this with BofA and have the chargeoff removed from my credit per XXXX response to my initial dispute and the supplied credit history.
Product: Debt collection

I received a letter on XX/XX/2022 FROM A COMPANY NAME Credit Control LLC attempting to collect a debt that I do not owe... This is the second time they have attempted this collection. I responded to them on XX/XX/2022 sending them a copy of a XXXX Police Department Police Report that I filed, along with a police case number and the case number card, also I sent them a copy of a FEDERAL TRADE COMMISION IDENTITY THIEF REPORT. I then included a debt validation letter requesting full validation pursuant to Federal Law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information : 1. Debt collector communication disclosure 12CFR S 1006.34 ( C ) ( 1 ) 2.Debt related information ( 12 CFR S 1006.34 ( 2 ) ( i ) ( v ) : 34 ( c ) ( 2 ) ( ix ) 3.Itemzation Related information ( 12 Cfr s 1006.34 ( 2 ) ( vi ) ( viii ) 4. Consumer Response information ( 12 CFR S 1006.34 ( C ) ( 4 ). 
Please be advise they have 30 days to give me full disclosure of all these documents. I am enclosing a copy of the debt collection rule section 12.1 and 12.1.1 Furthermore this alleged debt that they are trying to collect is passed the Florida statue of limitation and is and uncollectable debt per Florida LAW.
Product: Money transfer, virtual currency, or money service

I had sent three transactions through XXXX XXXX. XXXX, XXXX and XXXX. Two different people accounts but the same person I was dealing with. It was for merchandise and I never recieved it. XXXX XXXX told me once the customer I sent the money to accepts the money. I can no longer get my money back through XXXX XXXX. Unless that person sends me money back. I asked them for money back. And they just kept at XXXX and declining it. And so I contacted cash app and they told me to contact my bank. XXXX contacted Wells Fargo. Put in a claim on XX/XX/XXXX I waited XXXX business days and today. They told me that I was denied because it was a money transfer and not a debit or credit card purchase. And that is why I was being denied. Because for XXXX XXXX, your bank account is what's linked to send money, not your card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid lean on my credit profile and it is more than 7 years old. The lean has a paid status. However on several occasions letters were written to the credit bureaus for the removal of the negative reporting. I also obtained documentation From the IRS showing the lean is paid in full and that is what was requested by the credit bureaus. The deragatory remark is still present on my credit profile, I would like to have the negative information removed from my XXXX and TRansUnion credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on REAL TIME RESOLUTIONS ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed to notify me in writing within 5 business days that a reinsertion information on my consumer report. This information was removed in a prior date and as part of my consumer right I should be notified before any information get reinserted on to my consumer report accord to 15 USC 1681i ( 5 ) ( b ). A failure of this is in violation of my consumer rights. XXXX XXXX XXXX is the information that has been reinserted on to my consumer report. Please provide proof of documents that writing was mailed 5 business days within this information was reinserted on my consumer file.
Product: Vehicle loan or lease

While checking XXXX XXXX I noticed a new hard inquiry for a new line of credit that I did not authorize for the 3rd time this year. The first was on XX/XX/2019, the second on XX/XX/2019, and recently XX/XX/2019.
Product: Student loan

My bank account was charged for {$500.00} without my consent today XX/XX/2023. I neither provided my bank account information nor consented to auto-charges. Furthermore, my consolidated loans have been split into multiple loans which has impacted my credit score.
Product: Checking or savings account

I had problems with my Debit card and credit card working. I ordered a new one had it overnighted. Now the bank refuses to let me have access to any of my funds in my account. I am a XXXX veteran and am on a fixed income. I use this money to eat and heat my home, and pay for the things I need to survive. I dont know what to do now.