23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To Whom It May Concern, This letter serves as FINAL NOTICE regarding your willful noncompliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Unlawful reporting of inaccurate, outdated, or unverifiable information Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibition of deceptive and unfair practices Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 Enforcement against unfair or misleading credit reporting Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Protection against fraudulent or misrepresented debt IMMEDIATE ACTION REQUIRED : I demand the immediate removal of the following dismissed and erroneous records from all reports, databases, and screenings associated with my file : Case Numbers to Be Expunged : XXXX XXXX XXXX XXXX XXXX Properties to Be Removed from My Records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX ) These cases have been legally dismissed, and I owe no outstanding balance to any company. Your continued reporting of this data is fraudulent, negligent, and a direct violation of federal law. 

LEGAL LIABILITY & ESCALATION NOTICE Your failure to correct these records despite prior notices constitutes reckless disregard for federal compliance, causing financial harm and reputational damage. 

If these errors are not fully corrected within 24 hours, I will escalate the following actions without further notice : 1. Litigation Filing suit for violations under the FCRA, CFPA, and FTCA, seeking damages for financial harm, distress, and punitive measures 2. Regulatory Action Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Justice ( DOJ ), and State Attorney Generals Office 3. Congressional Oversight Contacting federal representatives to report systemic failures in compliance and consumer rights violations 4. Media Exposure Submission to consumer watchdog organizations, legal advocacy groups, and investigative journalists for national awareness CONFIRMATION REQUIRED I demand the following within 24 hours : 1. Written confirmation via email that all inaccurate records have been permanently deleted 2. Legal acknowledgment that I am fully opted out of all negative reporting 3. Copies of all updated screenings and reports reflecting accurate and legally compliant information Failure to comply will result in immediate legal and regulatory action. This letter serves as final notice before formal proceedings begin. 

You are hereby legally bound to comply with all applicable federal and state laws. 

Sincerely, XXXX XXXX XXXX I prefer electronic correspondence for efficiency and timely responses.
Product: Credit card

I filed for a XXXX XXXX XXXX which was XXXX in XXXX. Ever since then Ive been red flagged in the system because in multiple denial letters Ive caused NFCU a loss The debt with NFCU was settled during the XXXX XXXX XXXX. In XXXX when I purchased a home NFCU was still reporting is and I asked them to remove it and they did. Ever since then Ive been denied because the red flag on my account means automatic denial of any loans or credit applications. My checking and savings accounts were never closed during the XXXX. Ive XXXX been denied a loan with a XXXX XXXX XXXX in XXXX. I have asked them to remove the flag off my account and they said they could not. I was given a fresh start checking account and now have XXXX checking accounts. I recently applied for a SECURED credit card and was still denied. The denial letter states once again that I caused NFCU a loss and my only source of income is public assistance. My source of income is 100 % XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) .NFCU being a military bank should not use my XXXX XXXX as a reason for denial. XXXX years later they still hold it against me even though it is not on my credit report and on the website it says they understand people have hardships and they help people rebuild their credit. There are other members that have had XXXX with NFCU included in it and after discharge were able to get loans and credit cards. Using my XXXX as part of the reason for denial is unfair and other members have been given second chances. Ive called and asked them to remove the red flag on my account and they would not. I feel discriminated because other members are given second chances and not me. And they are discriminating because I am XXXX.
Product: Debt collection

I am about to sue DCI credit services in North Dakota because Ive been disputing a debt and told they didnt have to give me verification. Now I am receiving paperwork for the same debt with a revised amount but still No verification. Also it has been on my credit report since XX/XX/2023 but they are trying to change the amount now and already threatened to sue me about the past amount which is changed now so how is that legal? You put something that is false on my credit report to hinder me? Thats legal?? I dont think so. I will taking action and need my credit report cleared up from this nonsense. They are clearly breaking laws and that needs to be dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXX XXXX ) Fraudulent inquiry XXXX XXXX XXXX date of inquiry ( XX/XX/ )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account : Account : XXXX Account : XXXX, Account : XXXX. 


15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX and XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing for my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with XXXX, Transunion and XXXX at least 5 times in 2016. I believe the XXXX, Transunion and XXXX Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid all these creditors. Also, I believe this credit bureau company is unfairly reporting old credit card data from creditors even after I settled and paid these debts. I just want the negative accounts removed from my report so my credit rating can improve. I want to move on with my life and find affordable housing for my family.
Product: Checking or savings account

I went the Bank of America ATM at the XXXX XXXX XXXX in XXXX, Ca on XX/XX/XXXX. 
I exited my vehicle around XXXX XXXX and proceeded to the ATM with {$2000.00} cash and {$9900.00} in checks. I looked around to make sure it was safe and proceeded to deposit {$2000.00} cash in the ATM. After depositing the money the machine just started to circle round and round then showed a error or failed messaged. I was concerned but then proceeded to now deposit the checks. I completed the check deposits but never saw the {$2000.00} cash credited to my business checking account. So I decided to take a picture of the ATM and phone number to call in about the faulty ATM. I spoke to a rep and told them what had happened and she told me that she had saw the {$2000.00} scanned in but not credited. She stated that it will credit after midnight which it never did. She said not to worry because when they see it scanned in, it will definitely credit to the account. The next day the money never showed in my account and I then called to make a claim. They credited my account {$2000.00} dollars and did a research. They then on XX/XX/XXXX debited the money back out of my account and said no such funds were ever deposited. So now this relationship with BofA is broken since they believe I'm not forth right and would lie after the all account I have with them. My business deposits around XXXX monthly and for me to fabricate this is absurd. On my life I put that money into that ATM and it was never credited to my account. I have explained this to BofA several times through calls and visiting the bank in person. I also filed a police report with the XXXX XXXX department XX/XX/XXXX. I am being put through a lot of mental emotional stress anguish over this theft by Bank of America. Them saying that I'm lying about it that it never happened. I work so hard to make money and I know what it takes to earn it. I'll be seeking legal council soon and I will testify under oath. I will not let a rich bank take hard earned money from my business and tell me to go away. The cameras will tell the whole story of what happened that night. I look forward to my day in court.
Product: Mortgage

Due to the XXXX XXXX, President Trump indicated that all mortgages would be available for a deferment. We are both furloughed from our job. My wife, XXXX XXXX since XX/XX/XXXX. Me, XXXX XXXX, since XX/XX/XXXX. We live in Florida and have applied for unemployment. Neither of us has received XXXX benefits from Florida as of XX/XX/23. 

We filled out the help forms on Amerihome Mortgage 's website, and they have never mailed or emailed either of us a response. We talked to XXXX  rep who said we could ask for a forbearance. But, President Trump said there would be deferments. And, when you are not making any money, a forbearance makes no sense. 

The Amerihome rep told us we could get a XXXX  day forbearance, but then would be responsible for all of the monies owed in the fourth month. Since we have a USDA, federally backed mortgage, Amerihome should be offering us a deferment. We are in a rural area, we are not wealthy, and now we are out of work. 

Since we are getting no help from Florida, our money is running out, and we are concerned we will lose our home. Amerihome as been no help, have not responded to our requests for help, and when we pressed the rep for help, he told us to refer to the USDA. We are at a loss now ... 

Please help. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received an offer in the mail to open a Wells Fargo account and receive a {$300.00} bonus for direct depositing a certain amount in the first few months. My wife received the same exact offer. When I opened my account online on XX/XX/XXXX, there was no indication that the promotion was credited. I went into the branch with my wife a few days later and she opened her account in person to make sure it was coded correctly. The XXXX in the branch also said they would fix the coding on my account to reflect the promotion. 

My account was credited a bonus of {$200.00} on XX/XX/XXXX ; not the {$300.00} as advertised ( and as the clerk in the bank assured me they fixed ). I contacted Wells Fargo multiple times to get this resolved, but all they kept telling me was that the account was coded for a {$200.00} bonus and that was granted. I agree with them that it may have been coded that way, but that was due to a mistake of the bank employee, and does not reflect what was advertised to me. 

The final step was me filing a complaint with their internal customer advocacy team around a week go ( XXXX ). Wells Fargo responded to the complaint today, once again reiterating that the account was coded for {$200.00} and not acknowledging that it was coded incorrectly. 

Wells Fargo often runs similar {$300.00} promotions so there would have been no reason for me to sign up for a {$200.00} sign-up bonus offer.
Product: Student loan

My loans were recently transferred from XXXX to UHEAA. Since being transferred, I have had double payments withdrawn from my checking account. I was also sent a letter dated a month after they claim my IBR application was due. They told me repeatedly they would fix double payment and over payment issues, but never did. They told me they would put a hold on my direct payment, while issues were being resolved. They did not do this and continued to pull XXXX times my IBR amount out of my checking account causing a severe hardship for my family. We work hard to have good credit. Contact links on their website are frequently broken. They take weeks to reply to emails. If you read the reviews on their facebook page you will see XXXX people with similar complaints. They straight up lie to people. They take 60+ days to process IBR applications. We never had any issues with XXXX and have had nothin but problems with UHEAA. They need to be seriously looked at for bad or illegal business practices. They are ruining peoples ' credit and their lives. Please help all of us find resolve.
Product: Debt collection

Shellpoint a division of Newrez has been sending me bills for months, i have talked to them on the phone and asked for a copy of all documents/ agreements, contracts and promissory note. 
I then followed up with an email. 
On XX/XX/2023 I sent documents via certified mail # XXXX. 
Shellpoint received my documents on XX/XX/2023. 
I have sent multiple fax 's to this company asking to validate this because I do not have an account with this company. 
This company ignores my requests and continues to send me a bill in the mail every couple of days. These letters/ notices are coming from 4 or 5 different addresses there is not any consistency to these letters and who/ and or what is sending them. 
I still have not received the documents i have requested. This is Fraud and Identity Theft. 
I am attaching the documents i have send VIA fax as well as certified mail. Now they have attached this to my credit report. I do not have an account with this company i never have and this company has failed to provide proof of this debt with a contract and or agreement between Shellpoint a division of Newrez and I.
Product: Debt collection

This is the third time I have filed a complaint against Medical Data Systems , Inc . It is frustrating to say the least that you never answer any of my questions. I understand the debt was sold to you but you should have a way to find out information about the debt in a timely matter. I 'm not sure how many times I am going to have to do this until I get a straight answer. Medical Data Systems XXXX Inc. is reporting negative information on my credit report that is incorrect. I was billed for a service from XXXX. I provided XXXX numerous times with my insurance information. I have talked to my insurance company and they have confirmed that the claim should have been filed with them. The claim was never filed. Every claim that has been submitted has been approved. I have confirmed this both with XXXX as well as with XXXX. They have not received any claims from XXXX for this bill. XXXX did not do their job correctly by not knowing how to bill insurance companies correctly. Now my credit is suffering because of someone not being able to do their job right. I am demanding that the debt be erased or charged/claimed to the insurance company. Also this was before I was married, my maiden name is XXXX. Again, I need this removed from my credit and the debt to be taken care of with the insurance company. I was not liable for this payment. I had full coverage medical insurance that should have taken care of this bill when it was created. Medical Data Systems XXXX Inc. has been the worst company I have dealt with. This is not the only XXXX I had to get taken care of this is XXXX of XXXX that I had to complain to and provide my insurance information to. The rest of the companies were able to verify my insurance and get rid of the negative reports on my credit report. IN A TIMELY MATTER. Until this is fixed I will continue to file complaints via CFPB because this is wrong on so many levels. I can not afford to pay for this bill and I have to suffer credit wise because of something that should have been paid by my insurance company.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a {$2000.00} balance transfer convenience chek on XXXX/XXXX/2015 which was approved for XXXX months at 0 % APR and 3 % balance transfer fee. The balance transfer and balance transfer fee posted to my account on XXXX/XXXX/2015 and monthly statement was issued the same day with them in it. 

However, I have not received the {$2000.00} check yet and Capital One says the 0 % APR period will expire in the statement ending on XXXX/XXXX/2015. This will give les than 12 months of 0 % APR, less than what was advertised.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I was trying to buy concert tix on XXXX. The seller said he did n't have a XXXX account, which I always use because it is SECURED. He offered to use XXXX. I immediately went on my bank 's website, WELLS FARGO, and read their notes about their partnership with XXXX. It said clearly that they SECURED XXXX transactions! I felt comfortable and processed the {$500.00} payment. After not receiving my tix in 15 minutes, I was on the phone with Wells Fargo to report fraud. They said, " It was great that I called right away and they would handle this for me. '' Well, after a few months of " investigating, '' they will not reimburse my money and I now see that the " We secure these transactions '' verbiage from their site is no longer there. Please help!
Product: Credit card or prepaid card

I am a Merrill Lynch Signature Visa credit card holder. The account was opened in XXXX. Merrill Lynch is now part of XXXX XXXX XXXX. My account is now under a debt collections lawyer. 

I called Merrill to ask for the original credit card agreement in XXXX. They kept forwarding me to different departments. I think the interest rate is wrong and want to see what was in the agreement as well as other terms and conditions. 

Can you help me get the Merrill Lynch Signature Visa credit card agreement in XXXX? 

Thank you for your time.
Product: Debt collection

a debt collection LV N V company trying to collect a debt that XXXX THE COMPANY PAID IN FULL
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 and XXXX XXXX : XXXX has violated my rights. 


15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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.