23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX as Trustee who is recorded in court documents. Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights as we had asked to rescind loan under TILA VIOLATION as well as all assignments involved with our loan and we understand that this Law Firm is or has been designated as the XXXX over the property of XXXX XXXX XXXX XXXX Georgia XXXX your firm was given authority over this property then you should be well acquainted with all of the assignments listed in court documents such as we have stood on the premises of this proclamation yet there is no clarity revealed in the processes sent forward whereas 13 to 14 banks have been involved in this merry-go-round. In our files the loan numbers are as follows XXXX XXXX, XXXX XXXX, Bank of America XXXX XXXX VA XXXX # XXXX now we are told that XXXX is once again proclaimed to XXXX party of the property. Yet we have received only XXXX more notices of assignment changes and they are for BOFA MERRILL LYNCH XXXX XXXX, XXXX ( NEW OWNERS ADDRESS XXXX XXXX XXXX XXXX XXXX, NY XXXX ) Now in relations to these assignments it is now a company documented by the Secretary of the State of Georgia first under XXXX XXXX and now XXXX XXXX as XXXX XXXX No. XXXX BOFA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, North Carolina XXXX XXXX 

We have irrefutable evidence that in 2006 our loan was paid in full by XXXX XXXX and was a resale exchange.Irene XXXX XXXX XXXX Bank of America in a written statement That we had a purchase money transaction, and it is evident from their review that the proceeds From this loan was consummated in XX/XX/2006, any extended right to rescind, even applicable Has expired pursuant to TILA Furthermore There is no evidence of a Mortgage documented on any of the XXXX credit bureaus since XXXX file examined by FOIA. 

The XXXX XXXX Department has taken our case and have assigned a XXXX involving the life of our loan and the suspicions of fraudulent activities concerning over the life of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX 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 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
Product: Credit card or prepaid card

I contacted TD Bank credit card services to dispute a charge on my credit card on XX/XX/XXXX. I've had to file XXXX disputes for the same charge now because TD Bank keeps screwing it up and losing information and not taking correct notes. I've received yet another letter stating that the dispute will be closed unless they get information requested ( which they already have - I faxed it to them on XXXX, two days before they sent the request ). 
I tried to find out what is going on by calling them today and they're completely failing and refusing to resolve the issue and refusing to provide me with a contact person to get updates from. I asked for the name and employee number for the relevant employee ( customer service supervisor and claims investigator ) and they refuse to provide anything but first names. I also asked to speak to their supervisor/manager and they've refused to do that as well. They will not properly process this dispute I have filed twice, refuse to provide any information or accountability and I'm being charged {$3000.00} because of a very simple dispute that can not, apparently, get processed and resolved.
Product: Mortgage

My loan payment was adjusted by my lender due to a new escrow account analysis. I did not receive this analysis or notice of the new payment. My payment history is excellent. My normal payment was made in XX/XX/XXXX but was less than the new payment amount so the lender put it into " unapplied funds '' and sent me a delinquency notice. I promptly made an additional payment and the account is now current. My request for refund of late charges and interest has been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
Product: Checking or savings account

On XX/XX/XXXX I received a SBA LOAN and had the funds deposited into My business account at Suntrust Bank. On XX/XX/XXXX my bank account was frozen and from what I was told it was due to rules and regulations. I called and they stated that I had to wait 7-10 days after my last transaction in order for my account to be fully closed and I get reimbursed my funds. On XX/XX/XXXX I received a letter from Suntrust stating that the remaining funds would be mailed to me in form of a check within 5 business days. I never received anything so I called Suntrust again. This time they said they didnt send my funds because they didnt want to send it to the wrong person so they requested several documents to prove ownership of the account and funds. I went into the branch with the docs requested which was, my EIN VERIFICATION LETTER That was FROM XXXX, my XXXX & XXXX Tax documents, my SBA loan approval letter and my Driver License and spoke with the Branch Manager XXXX XXXX ( XXXX XXXX XXXX ) and had the documents sent via Fax to Suntrust ( back office ). I was told to wait 1-3 business days for the process. I waited 3 days and followed up with Suntrust, they said they didnt receive the documents so I took another day off to prioritize the matter and went back into the branch and spoke with the same manager and the called to verify all the documents they needed and where she had to send them to. I provided all of the documents and sent resent them. I was told to wait 3-7 business days as the documents were verified. In XXXX I did another follow up and I got the same results. I waited approximately 1 month to give them time to resolve the issue to get the same results. I contacted the SBA and they told me that it was out of their hands. So I called Suntrust again in XXXX for them to ask for the Same documents that I sent, So I sent them again for them to tell me theyre not gon na reimburse me. During this unconstitutional process, I lost a {$240000.00} contract with XXXX XXXX XXXX due to not being able to fund my business and employees properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX-19,XXXX-19,XXXX-19,XXXX-19, Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX XXXX XXXX # XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX CARD Account # : XXXX CREDIT COLL Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

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 Dear CFPB, I am writing to bring to your attention significant discrepancies in my credit reports. I have reviewed my credit reports from XXXX XXXX XXXXXXXX, XXXX, XXXX, TransUnion, and I have identified numerous inaccuracies, including but not limited Theyre is incorrect account information, inaccurate balances, and accounts that do not belong to me. 
hard inquiries, collections, and closed accounts that dont belong to me or should not be public. 
I have taken the necessary steps to dispute these inaccuracies directly with the credit reporting agencies, but the discrepancies persist. I am concerned about the potential negative impact on my creditworthiness and financial well-being as a result of these inaccuracies. 
Hard Inquiries And closed accounts XXXX XXXX XX/XX/XXXX 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 XXXXXXXX I kindly request that the CFPB investigate these discrepancies and take appropriate action to rectify the errors in my credit reports. 

Additionally, I have attached copies of any supporting documents that validate my claims regarding the inaccuracies in my credit reports. I believe that a thorough investigation will reveal that these discrepancies are indeed erroneous. 

I appreciate your prompt attention to this matter and your assistance in resolving these issues. Please inform me of the steps the CFPB will take to investigate this matter and the expected timeline for resolution. 

Thank you for your help in rectifying these credit report discrepancies and ensuring the accuracy of my credit history. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX Phone XXXX Email XXXX XXXX XXXX
Product: Debt collection

I called the collection agency and explained that XXXX XXXX Hospital made a mistake in billing me. I gave them my receipient medical ID number and my Medicaid card.The debt is over 10 years old and several collection agencies had this debt. The billing information was also forwarded to the Department of Human Services and XXXX XXXX Hospital has erroneous information I never received.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX {$8900.00} I have tried getting a copy of the purchase agreement of the debt.
Product: Credit card or prepaid card

On XX/XX/2023, I purchased XXXX tickets for {$770.00} on XXXX using my Chase credit card visa ending in XXXX. I immediately became suspicious of the website and believed this was a fraudulent website I tried to cancel my purchase immediately by calling the website numerous times at XXXX and was repeatedly unable to get a live representative on the line. This just made me even more concerned and worried so I texted via the website 's group chat support to communicate my desire to cancel the purchase immediately. When I could not get any feedback from the website I decided to call Chase and reported this as fraud. Chase immediately changed out my credit card and I received a new visa ending in XXXX. The following day, on XX/XX/2023, XXXX emailed me a credit refund for the full amount of {$770.00}. See attached. 

On XX/XX/2023, I noticed that the charge of {$770.00} was placed back on my Chase credit card statement ending in XXXX. I called the Chase credit card customer service to dispute the charge and was placed on hold for over 3 hours. I actually called Chase using two different phones, both times I was placed on hold for several hours. Finally I was able to speak with a Chase customer service representative, At this point I was very agitated due to the wait time. Chase customer service representative ( CCSR ) told me that I had to pay the vendor even though I received the full credit refund. I told the CCSR that made no sense to me if I received a full credit refund. The CCSR could see the credit however he insisted by saying I owed Chase {$770.00} and he insisted that I pay the line item on the credit card statement that reads : XXXX. However I do NOT have any tickets. This conversation created more frustration for me because even though I was able to get a refund with the ticket agency website on XX/XX/XXXX why now on XX/XX/2023 was the charge reappearing on my statement for tickets that I do not have. I would like Chase to pull this charge off my credit card statement as it was a full refund.
Product: Debt collection

Results of the reinvestigation. The accounts XXXX, /XXXX, /XXXX  are currently not reporting. See attachment. I now have received a new bill from a new debt collector ERC and new account # XXXX for the same amount {$140.00} I do not owe. Dated more recently XX/XX/XXXX ... but, reported back in XX/XX/XXXX. That according to the recent investigation no longer exists.
Product: Debt collection

I C SYSTEM, a collection company, claims that I owe a balance of {$310.00} for equipment that was not return to XXXX XXXX XXXX, all equipment were returned to XXXX  XX/XX/2020 I have called IC system, and ask the to send a copy of invoice due, they claimed they do not have one, this account is tie old! 

I C system repeatiadly report me to the national credit agencies. 

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

In accordance with the Fair Credit Reporting Act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the day of XX/XX/XXXX, I reviewed my credit report to find the following inquiries that I DID NOT AUTHORIZE ... nor could have authorized due to the fact my credit files are all locked. The stated inquiries are : XXXX XX/XX/XXXX, and also XXXX XXXX XXXX XXXX, XXXX. These inquiries were not authorized nor made by me.I have challenged these with Equifax recently, as well as called them by phone, only for them to tell me these inquiries are factual. They CAN NOT BE FACTUAL WHEN MY CREDIT FILE HAS BEEN LOCKED, so there's no way an inquiry could even be made. Tell the truth EQUIFAX and start conducting legitimate investigations into consumer 's files.
Product: Checking or savings account

I have a checking account with Citizens Bank. I have reached out to them and spent over an hour on the phone asking them to allow me access my transfer history on this account. I was unable to get the help I need. They pretty much said they can not help. I have a recurring transfer that I need to edit. I would like to change the amount of the monthly recurring transfer. This transfer is initiated from Citizens bank to an external account every month. I initially set up the transfer as an investors bank customer. Since my account was transferred to Citizens Bank, Ive been having trouble getting access to my account details. For whatever reason, Citizens Bank has been unable to resolve this issue. They have full control of my details and I am unable to make changes as I see fit. This is cause of concern for me. I have tried to get see my transfer details using the banks online platform, using different browsers, XXXX XXXX XXXX XXXX Im out of options, Id like access to all activities in my account. The bank is unable to resolve, so Im reaching out to the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to seek assistance from you regarding the removal of fraudulent items from my credit report. Despite making this attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following fraudulent items : I have disputed these items multiple times with the credit bureaus ( XXXX, XXXX, and TransUnion ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are fraudulent, my disputes have not resulted in the correction or removal of these items from my credit report. The continued presence of these fraudulent items on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I filed a complaint on XX/XX/2020 ID # XXXX and Navy Federal Credit Union has once again locked down my account and I have to contact their Security office. I was trying to deposit 3 more paychecks, had a total of 6 waiting on deposit, since they will not allow the deposits to go through, they are rejected, not approved. Finally 3 were resubmitted and being held until the checks clear, since they were already deposited once, are payroll checks issued some time ago and I put a large check mark on the face of them with the date I first mobile deposited them. Since that time 3 more paychecks have been acquired and held because of the rejection of the first 3, but now that the first 3 are pending, wanted to get the other 3 deposited quickly, so when they are held for a week, I will have some funds to buy food and gas. I wasn't able to make my second rent payment via XXXX for several days and only because my tax return was direct deposited, were there funds available to pay my rent. I have to make the rent payment in two transactions on two different days, but the transactions were denied on the first of the month because it took me 5 days last month to fight with the bank and get a new bank account established before they would allow me to pay the rent via XXXX, so this month 's rent was also delayed and I expect it will be so from now on, which is unacceptable. If it weren't for COVID-19 I would have closed this account and gone to another bank. As with credit unions I was referred by my daughter, XXXX XXXX XXXX XXXX who is employed at the XXXX XXXX XXXX. I am employed by XXXX XXXX. The principle person for both of our memberships is my ex-husband and her father who served in the XXXX XXXX during the XXXX XXXX. XXXX XXXX XXXX is our son and the person to whom the paychecks in question belong. I am tired of not being able to use my account and have access to deposited funds or to make deposits in order to pay my bills in this day and age, much less during COVID-19. This is entirely unacceptable behavior and I am at a loss as to how to get the funds deposited until COVID-19 is under control and I can open another account ; funds have been marked " for eDeposit only to NFCU '' as per NFCU instructions, but they are rejecting the paychecks. The first paycheck from this employer was deposited in mid XXXX very soon after I opened the account. I made that deposit in person at the desk, but every pay check since then has been blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.