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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 

I am writing to dispute an unauthorized account from XXXX XXXX XXXX on my credit report, resulting from identity theft. This account is a clear and blatant violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Pursuant to 15 U.S.C. 1681c-2, I demand that all credit reporting agencies block this information within XXXX business days, as required by law. I have provided unequivocal proof of identity theft, the FTC report, and identification of disputed information. 

The furnisher, XXXX XXXX XXXX, has flagrantly disregarded the FCRA and FDCPA by : - Failing to conduct a reasonable investigation into the dispute ( 15 U.S.C. 1681s-2 ( b ) ) - Failing to provide verification of the debt ( 15 U.S.C. 1692g ) - Reporting patently inaccurate information ( 15 U.S.C. 1681e ( b ) ) - Engaging in deceptive and unfair practices ( 15 U.S.C. 1692e ) Furthermore, the original creditor 's contract contains an arbitration clause, which permits legal action against the company owning the debt. This clause specifically states that the company will bear the costs of arbitration, including filing fees, attorney fees, and other associated expenses ( 15 U.S.C. 1681s-2 ( c ) ).

I demand immediate and unconditional correction, deletion of the unauthorized account, and a corrected credit report. The account details are : {$13000.00} balance, allegedly owed to XXXX XXXX XXXX. 

Failure to comply with this demand XXXX result in further action, including damages pursuant to 15 U.S.C. 1681n and 1681o, up to {$1000.00} per violation, and attorney 's fees and costs. Additionally, I will pursue all available legal remedies, including arbitration and litigation, to hold XXXX XXXX XXXX accountable for their reckless and negligent actions. 

Please note that this dispute is not a mere " error '' but a deliberate and willful violation of federal law, and I will not hesitate to seek punitive damages and other relief available under the law.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

I have never entered into a contractual agreement with NCB Management ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In short, I disputed credit report from TransUnion and they sent email saying report was updated. However, the link for "VIEW" the completed report does NOT exist or is NOT anywhere on the alleged page stating report is complete. The email sent states that I have 30 days from when TransUnion notifies me but I never saw the first notification and today's notification FAILED to provide me with access to view the alleged report. I am furious with TransUnion, XXXX (who released my personal information in a data hack, and has clearly harmed me), and the other credit reporting agency who have NO accountability to keep the credit information accurate and clearly by my troubles today with TransUnion cannot be bothered by mere "customers" asking to see their credit reports as required by law. TransUnion website has all sorts of "services" available, apparently some for fees, but there is NO link to customer service even after password protected login.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote to Enhanced Recovery Company and XXXX XXXX to tell them that this was ID fraud this was not my account. They sent me print out with no signature or verification that I stated in my letter they had to verify by law. Which they say I owe the amount of {$830.00}. I sent them documents explaining that someone was using my SSN to obtains loans, jobs and cell phones. 
I wrote Enhanced Recovery Company they refused to take this off my credit report which they are collection company not the original creditor they say it was XXXX. 
So, I wrote them again XX/XX/XXXX and XX/XX/XXXX know verification that this was my account.
Product: Checking or savings account

See CFPB case number XXXX. 
The case was prematurely closed. 
The issue remains unresolved. 
First Tech Federal Credit Union forced agreement with broad terms that I did not agree with however I was locked out of all my accounts without clicking " agree ''.

First Tech reported they called me to assure me the scope of the written terms would not go into full effect. I accepted that was the best the rep could do pending their own internal review.

Their response to CFPB was " we'll look at it and let you know ''. How can that response be taken as resolving the complaint.

In order to supersede written terms to reduce the overly broad scope they must do so in writing. Have they sent out an amendment?

Did First Tech provide a preliminary draft of an amendment?

Or has First Tech stated that the manner in which they forced the agreement, and the overly broad scope of the terms is legally acceptable?

They have not resolved the issue and only offered a promise to resolve it in the future. That can not be confused with actually resolving the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request all nquiries be removed from my credit files account ASAP. 

I reported to XXXX XXXX on XX/XX/XXXX to attend XXXX XXXX XXXX at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the nine-week basic training course, I was transferred to the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the XXXX XXXX XXXX course in XX/XX/XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX. 

Submitted a police report identifying the high number of fraudulent inquiries number out times. Only several inquired are valid hard inquiries. I need all removed except XXXX XXXX XXXX and XXXX from all three credit files ASAP.
Product: Mortgage

I emailed XXXX  customer service to resolve a payment/billing issue I encountered last month. It has been 3 weeks and I have not heard back. 

The situation : - In the middle of XXXX, or potentially towards the end of XXXX ( I can not confirm the exact date ), I logged into https : //lakeviewloanservicing.XXXX/ and increased my monthly auto-draft payment amount from {$2000.00} to {$2500.00}. 
- I did not know, nor did the website clearly state, that changes to auto-draft payment options take 2 weeks to go into effect. 
- My monthly mortgage payment auto-drafts on the first of every month, and has done so since the inception of this mortgage - I have never missed a payment and have always had auto-draft set up. 
- I have made sure to always have sufficient funds in my bank account to pay at the first of every month. I can produce bank statements to show I had enough money to pay on XX/XX/XXXX and this was not a bank error. 
- After changing my auto-draft amount in XXXX, my XX/XX/XXXX payment did not process and was missed. 
- On XX/XX/XXXX, a late fee was imposed on my account for {$82.00}. 
- On XX/XX/XXXX, I was notified via phone call that my mortgage was being sent to collections and I had the option of paying over the phone. 
- This was the first time hearing that my mortgage payment was missed. I immediately tried to understand the situation and confirmed with the person on the phone I always had auto-draft set up and at no point did I cancel it - the customer service rep confirmed. 
- The customer service rep ended up waiving the {$82.00} late fee for me but could not waive the {$15.00} one-time payment processing charge. 
- In addition to the processing charge, I also realize that since my payment was missed, Lakeview/XXXX will notify the credit bureaus and my credit score will go down. 

Please let me know if there is any other information I can provide to help with this matter. 

My contact information is : email : XXXX cell phone : XXXX
Product: Debt collection

I have presented proof to a debt collector Rent Recovery Solutions LLC that a debt being reported on my file is not owed. I have provided a letter from the original creditor stating that I do not owe this amount yet they continue to report this as unpaid on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay so I had my bank account closed from spring bank last year, due to fraud I told the kn estimator that it was not done by me, and he accused me of putting the fake checks in my bank and told me to pay, I refused to pay and it seems like they have fclowed down my account and have send my information to XXXX XXXX XXXX, now that I have trying to open a bank account through XXXX and XXXX they are saying that I have a red flag, I need this red flag removed by XXXX XXXX XXXX.
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. 

Account name : XXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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 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.
Product: Credit card

Dear FORTIVA/ The Bank of XXXX  and its Representatives, I have been searching high and low for some vital information. I have not been able to get this specific information from any customer service representative or through any online search through the Securities and Exchange Commission. I need the most correct, up to date information for the following as soon as possible. Please give me the correct contact information including the contact Name and Title of the person or Senior Officer, their correct phone number, mailing address, e-mail address, and fax number for this or these representative ( s ) from both departments as follows : Full contact information for your company 's Special and Restrictive Deposit Department AND Full contact information for your company 's Indentured Trustee. 


Please provide this information as quickly and accurately as possible. 

XXXX XXXX, Account # XXXX
Product: Mortgage

I am a XXXX veteran. I have a VA home loan with Wells Fargo. Since XXXX I have been trying to get a modification. In XXXX I had to hire an attorney to fight the foreclosure process with Wells Fargo. I have spoken to the VA and I qualify for the XXXX extended modification because I fell behind due to XXXX XXXX and lasting health issues. My attorneys, the VA, and myself have been fighting this. It is now going on year 3 of this battle. Welds Fargo has denied me any modification options and suggested a short sale of my home before a judgement for foreclosure is granted. Va has informed me that Wells Fargo has never even submitted the paperwork for the Covid extended modification that I qualify for. My income is not an issue because I make enough financial for my mortgage and other bills with staying well on the positive side at the end of the month. I have submitted everything from bank statements, work absence, FMLA paperwork, and everything they have asked for sometimes repeatedly. I dont know where else to turn to get Wells Fargo and their underwriters to do their jobs following the guidelines set. It seems as though whatever fines they received did not change their practices. This process is only adding to the stress of the health issues I already have. I feel as though they simply want to take my home. I have been in my home since XXXX. I am fighting so hard to keep a roof over my childrens head and save our home. I dont know where else to turn. Can some one please help me before I lose my home!
Product: Debt collection

I received a garnishment summons from XXXX XXXX XXXX XXXX XXXX on behalf of Jefferson Capital Systems , LLC and my earnings have started to be garnish, I'm not able to pay my rent due to this. This company purchased this debt which was written off on XX/XX/2011 by the retailer, XXXX XXXX XXXX amount of {$1700.00} and now this company wants me to pay {$2400.00} ( it includes {$1700.00} + {$500.00} Interest + {$58.00} Judgement Cost + {$76.00} Garnishment Cost ). I don't owe this company anything because I haven't done any type of business with them. Please help me because I'm in my XXXX 's and the amount that my employer is taking out of my paycheck makes it impossible to pay rent, utilities, and food. Companies like this should not be allowed to keep on hurting people who can not afford to pay for something that was closed over XXXX XXXX XXXX.
Product: Checking or savings account

About a year ago, I opened up an account for my small business And I noticed that transactions were being made in the account without my permission, and I try to open a personal account report it and they just closed my account without my knowledge and refused to let me report the wrong doings and refused my request for account statements I immediately went to the local branch in XXXX  XXXX California and was not only treated horrible but then I was lied to. ABout the status of my account but was. Also refused service or explanation btw Im talking about chase and J.P. morgan a similar thing happen to me with my XXXX XXXX account as well but Ill wait to explain more when contacted I feel I have been bullied out of my accounts by these establishment and corrupt employees please help me
Product: Debt collection

First Disputed this debt on XX/XX/XXXX with all XXXX credit bureaus and it came back as validated. Disputed again on XX/XX/XXXX. Midland Credit Management ( Also known as Midland Funding LLC ) has been reporting on my credit and fails to provide proof of my obligation to this alleged debt which has been requested two times already. They have sent me a a spreadsheet with an account # and balances dating back to XX/XX/XXXX.To my understanding these documents do not qualify as full verification. Under the Fair Credit Reporting Act I have the right to demand they disclose all of the documents they have recorded and retained in their files. I need to see signed contracts saying that I am liable for this debt and that Midland has the right to try and collect from me. This company is in violation for continuing to verify accounts with the major credit bureaus without proving evidence as requested. All unverified accounts must be deleted. In addition to not providing the proper verification on the most recent notice from Midland Credit Management they state " In response to your dispute, we have requested that the XXXX major credit bureaus change the status of this account to " disputed '' Your credit report will not be updated if the federal reporting period has expired. '' Is this a threat from Midland Credit Management to keep this negative information on my credit for as long as they would like??
Product: Credit card or prepaid card

Someone get my money without the card for {$920.00} on XXXX and I call edd bank of america on that day
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been XXXX  - CARD SERVICE Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Product: Credit card

I had a Barclays credit card for which I filed XXXX disputes under the Fair Credit Billing Act. Those disputes were ( date of charge, company, and amount ) : XXXX/XXXX/14 XXXX XXXX {$100.00} XXXX/XXXX/14 XXXX XXXX XXXX {$810.00} XXXX/XXXX/14 XXXX {$6500.00} I sent these disputes to Barclays by certified mail to the proper address and within the time limit required by the FCBA. Barclays failed to investigate these disputes and failed to reverse the charges. Because I refused to pay for these illegitimate charges, my account was charged off and reported to the credit agencies.
Product: Debt collection

did not answer call and a voice mail was left stating that I must call XXXX about warrant I have pending. I have no legal issues so I know this is a scam call.
Product: Checking or savings account

Subject Formal Complaint Regarding Delay in Returning Matured CD Funds To Whom It May Concern, I am writing to formally lodge a complaint against Goldman Sachs Bank USA Marcus regarding their failure to return the principal and interest from a matured Certificate of Deposit CD to my designated account despite multiple attempts to resolve this issue directly with the bank. Details of the Issue Account and CD Information CD Account Number XXXX Original Deposit Amount XXXX plus CD Maturity Date XXXX Issue Summary Upon maturity of the CD I requested that the total amount including accrued interest be transferred back to the same account used for the original deposit. I followed all the banks security protocols and provided the necessary verifications to facilitate the transfer On XXXX. I received an email from the bank stating that the CD account was closed however the funds were never transferred to my designated account. This has been repeated multiple times even on XXXX ( other dates XX/XX/year>, XX/XX/year> ). Ongoing Concerns Despite the closure notice my CD account still shows the balance and the transaction history indicates that the bank reversed the outgoing transfer request. It has been over 20 days since the initial request and I have not received any resolution or clarification regarding the delay. Repeated ( 5+ ) attempts from solely from my side to contact the bank without getting any communication from the Bank and escalate the matter have been unsuccessful. 
Impact of the Delay - The prolonged delay has severely disrupted my financial plans which relied on the availability of these funds. This has caused significant financial hardship and potential loss of investment opportunities. Request for Assistance I am requesting the Consumer Financial Protection Bureau ( CFPB ) team to Investigate the handling of my funds by Goldman Sachs Marcus Ensure the immediate release of my matured CD funds to my designated account. 
Assess whether the banks practices comply with federal regulations governing such accounts and fund transfers. 
Supporting Documentation - I am prepared to provide copies of all communications with the bank, including emails and notices. 
Screenshots or account statements showing the account status and transaction reversals. Any other documentation relevant to this matter Please connect with me as shared about my information. 
Thank you for your attention to this matter I trust the Consumer Financial Protection Bureau ( CFPB ) will assist in ensuring my funds are returned promptly and that appropriate action is taken to prevent such issues in the future along with compensating mental stress, trauma and by having financial hardship.
Product: Mortgage

I applied for a loan modification from my present mortgage company. I submitted all the necessary documents to the loan company. They are not answering my calls or processing the loan modification documents. The company is Select Portfolio Servicing , INC .