23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to formally address a serious issue regarding a wrongful levy on my personal checking account [ Account Number : XXXX ] at Bank of America . On [ XX/XX/year> ], my account was improperly levied, resulting in the seizure of {$5300.00}. This action was conducted without proper validation or review of the underlying court order.

Upon reviewing the court order associated with this levy, it is evident that the order pertains to a different individual, not myself. This erroneous action by Bank of America has caused me significant financial distress and inconvenience. The funds in my account are essential for my daily living expenses, and their wrongful seizure has created undue hardship.

Thank you for your prompt attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Mortgage

In XXXX, we tried to do a loan modification when my husband 's income had taken a {$4000.00} a month cut. I paid the mortgage for an entire year to keep us going but the first loan alone was {$7500.00}. I couldn't continue without his help. It was an interest only loan. We were promised a modification verbally then would receive a written notice that the file was closed. We were promised a call with decision makers after that only to receive calls from workers who said they didn't have the authority to make decisions. We were constantly given the run around. My husband finally claimed bankruptcy to accelerate a modification to come to fruition to no avail. Wells Fargo actually flew 7 higher ups to meet us for a conference only to tell us they couldn't do anything. We continued to try for years. I finally left my husband almost 4 years ago and notified the attorneys for the bank as well as executive mortgage services of my new address. I informed both that my soon to be ex husband does not open the mail and does not inform me of anything going on. I asked that all correspondence regarding our home and foreclosure be forwarded a copy to me. I received nothing. In addition, I started a short sale last year that at first my husband agreed to but then refused to cooperate. I was continually in touch with a contact at executive mortgage services. It went nowhere because of my husbands refusal to cooperate. My divorce attorney couldn't do anything because nothing was happening with the house. On Monday XX/XX/XXXX my Soon to be ex husband notified me that he had received a notice from Wells Fargo informing him of a foreclosure auction date of XX/XX/XXXX. I immediately called my contact at Wells Fargo to find out why I did not receive any notification and also to submit a short sale application that my husband was now willing to cooperate with and he did not return my call. I called 3 more times that week to leave messages to no avail. I faxed in a short sale offer to the bank as well. Today, I called a different number to find out my addresss was never changed, the contact I had was no longer in that department but never had the courtesy to let me know and this was his personal cell phone number that he gave me to contact him on all along. So I suppose there would be no recorded record of our conversations!

This foreclosure which was not my choice, will cause me many repercussions for my future. Had I been notified as requested all along, a very different outcome that was more favorable could have occurred. I am a responsible party on the note yet I was not notified of anything despite my numerous requests. I contacted the bank and was told they are moving forward with the foreclosure but will investigate why I wasn't informed. This may help their internal processes but does nothing to mitigate my severe losses financially, and otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Mortgage

I lost my house in the XXXX XXXX XXXX in XXXX XXXX, CA. 

I Received our funds from the insurance company and sent them to our loan company which was being serviced by Loancare. The funds were deposited into a restricted escrow account and the funds would be released as needed for the rebuilt. 

I had many problems starting from the beginning getting the funds just to build the house. During the full time I kept asking about the interest on the restricted escrow account and would never get a full answer. 

On XX/XX/XXXX and XX/XX/XXXX I was told both 2 different supervisors that I would receive the interest on the restricted escrow account at the end. I have never received the funds. We moved into our newly built house XX/XX/XXXX. 

I have sent multiple letters stating that per the CA Civil Code # 2954.8 I am to receive 2 % interstate 's on the funds that are in the restricted escrow account. I have waited and never received answers to my questions. 

I have talked to many other people who also lost their homes in the fire and they received the funds from their loan company with no problems. 

Every time I try to get answers I am put on hold, hang up on or told someone would call be back with more info. They never call back or give my answers. 

I have filed a complaint with the XXXX XXXX XXXX and they are trying to say I am not owed but per all the info for California I am. I have disputed the last answer on XX/XX/XXXX and per XX/XX/XXXX they have not responded again to the XXXX XXXX XXXX. 
I have tried to call the department of the loan company they give for questions, but no one will return my call and all it says that they are closed. 

I am so confused how a company can refuse to help their customers. 

Every time that I call I feel that I am just a loan number and they don't seem to listen to what your full questions are.
Product: Debt collection

ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1500.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$610.00} XXXX XXXXXXXX Balance {$1300.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$680.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$1100.00} XXXX 'S XXXX XXXX Balance {$240.00} XXXXXXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Checking or savings account

I have had a checking account with Penfed for over 2 years. A fraud hold was placed on my account. I was informed I had to provide documents to validate my identity to remove the fraud alert. I have provided a copy of my State Issued ID, Social Security Card, and Utility Bill. I submitted all requested documents and was informed that it would take 48 to 72 business hours for the fraud department to review each document. The documents were uploaded on XX/XX/XXXX and XX/XX/XXXX. I contacted Penfed via email on XX/XX/XXXX, XXXX, XXXX, and XXXX. I emailed Penfed on XX/XX/XXXX, XXXX, and XXXX. I also sent them a letter on XX/XX/XXXX, that was received on XX/XX/XXXX. I have called them on those days that I sent them emails requesting status updates. Each time I contact them I have been told that the issue has escalated and that I will be contacted shortly. I have spoken to numerous supervisors who have all stated the same. I have XXXX friends who have submitted documents for identification and each of them has had their accounts opened with no issues. Penfed has taken a discriminatory stance as there has been no valid reason given why the process of identification has taken over two weeks when I was told it would only take a maximum of three business days.
Product: Debt collection

CAPIO PARTNERS LLC has reported to all three major credit bureaus ( XXXX, XXXX, XXXX ) on XX/XX/2018 prior to allowing me to validate this debt of {$880.00} which is a violation of the Fair Credit Reporting Act. Reporting of this debt to the credit bureaus prior to validation allows me to seek damages from the collection agency, which I intend to do.This company is practicting UNJUST ENRICHMENT, because reporting any invalidated information to major credit bureaus may constitute defamation of character. I have filed a complaint with XXXX, Georgia Department Of Attorney General, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries being reported on my credit profile regardless of my confirmation that they were unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

COLLECTOR FAILED TO VALIDATE SAID. I DO NOT OWN SAID DEBT AND KEEP ATTEMPTING TO COLLECT IN VIOLATION FCRA, FDCPA AND TCPA.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit 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 XXXXXXXX XXXX  These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the inaccurate information on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : 1. Account Name : XXXX Account Number : XXXX Reason for Dispute : XXXX has yet to furnish the purchase agreement/contract baring both human signatures of both parties Me & XXXX binding me to this contract. XXXX is also reporting positive on XXXX & Negative on Experian and XXXX. I have never authorized XXXX to obtain my information phone number, email and Address. This company has exerted countless violations that are effecting my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions tak

en. If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally,15. U.S.C 6802 ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

Experian continues to report an account that is not mine. I never had an account with XXXX XXXX XXXX.
Product: Bank account or service

I HAD MY WALLET TAKEN FROM ME AND THEY TOOK {$2000.00} OF MY BANK ACCOUNT AND WHEN I CALLED MY BANK TO REPORT IT THEY SAID THEY WOULD TAKE CARE OF IT AND THEY TOLD ME THAT THE BANK CANT NOT LOSE THIS MONEY LIKE IT WAS MY FAULT MY WALLET WAS TAKEN FROM PURSE ALONG WITH ALL MY CREDIT CARDS AND ID. AND MY BANK WELLS FARGO DENIENED MY CLIENT AND NOW I AM OUT {$2000.00} I WANT TO KNOW WHAT PROTECTIONS DO I HAVE AGAINST FRAUD AND HOW CAN MY BANK IN 1 DAY COME TO A DENIAL SO QUICK AND JUST LET ME LOSE THAT MONEY I NEED HELP IN THIS MATTER IT IS NOT FAIR AND I FEEL THAT WELLS FARGO DOES NOT STAND BEHIND THEIR CLIENTS.
Product: Mortgage

In XXXX I applied for deferred payments with my lender ( Chase ) for COVID relief and was approved. So, no automatic payment occurred in XXXX. In XXXX, I determined that I did not need the relief deferrals, so I paid two months ' worth ( XXXX and XXXX ), and somehow in the process, the XXXX automatic draft was skipped. 
Chase charged me late fees of {$140.00} per month for XXXX through XXXX before I realized that I was behind on a payment. I immediately contacted them. 
I said that it didn't seem fair that I was not notified in any way of the ongoing late fees. It's true that I have signed up for electronic statements, but they're not emailed to me. It's up to me to review the website frequently in order to ensure everything is getting paid on time. I told them that some proactive notification would have been the right thing to do. 
They would only waive one of the fees, so 4 more of them remained. I paid them today to avoid any additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my consumer report. I didnt give these companies permission to check my credit. I dont know who gave them permission.I went to a car dealership with my own approval. They were informed that I had my own funding and i supplied them with my own approval letter. None of the listed companies had permissible purpose to check my reports. 

These are fraudulent. Also i have credit card inquiries that i did not authorize. The I called the credit reporting agencies last week and they refused to help me and told me to call the banks myself. As i understand Consumer reporting agencies have a duty to report 100 % accurate information and i am notifying you that you are reporting false information. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

...... 
This is hindering me from doing the things i am trying to do. 

The inquiries are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Please remove the accounts on my credit report because those are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my property in XXXX XXXX had some hurricane damage, and my mortgage company, XXXX XXXX XXXX ( XXXX ), offered me forbearance for 3 payments that would be added on to the end of my mortgage. I accepted forbearance, and in XXXX, just as the forbearance period ended, XXXX transferred my mortgage to XXXX XXXX XXXX. The XXXX   agreement stated that XXXX would accept and complete the forbearance agreement made by XXXX. XXXX harassed me and finally added a modification onto my loan, but instead of a forbearance modification, they processed it as a foreclosure modification, which showed up on my credit report as my being delinquent with mortgage payments. They pressured me, giving me one day to sign which allowed no time for legal review, threatening foreclosure if I did not sign. I disputed it with the credit bureaus later who did nothing to correct it, and it ruined has my credit score. XXXX refused to correct their mistake and I have been turned down for refinancing my mortgage because of the mistake XXXX made and the delinquency on my credit report. Changing the forbearance modification to a foreclosure modification is an unfair bait and switch practice, and has cost me my credit. At the time I didn't know the difference in the modifications, but now I understand what has happened and I am requesting that the delinquency be removed from my credit report and my mortgage be corrected due to this unfair practice. This has damaged my financial reputation and cost me money. I tried to refinance with XXXX again and they just told me yesterday XXXX they can not proceed until this mistake is corrected. I have paid almost {$1000.00} in fees for appraisals and application and my loan is denied now because of XXXX 's mistake. As a senior citizen I feel this is unfair, and I deserve punitive damages from XXXX  now that I have figured out what they actually did is illegal. I was entitled to federal forbearance from a natural disaster and they defrauded me to accept a foreclosure. I can not even refinance my house and get away from XXXX because of the mistake they refuse to correct on my credit report. XXXX agreed to take the loan from XXXX " as is '', then switched it to a foreclosure. They refused to correct the balance or give me credit for all payments made in XXXX. There have been no delinquent payments, and I have submitted receipts to XXXX and the credit bureaus. XXXX   documented the 3 months of forbearance as 3 delinquent payments and threw me into foreclosure and forced me to agree with a foreclosure modification and did not explain the difference in a federal disaster forbearance modification and a foreclosure modification. Please help me straighten this out and get the delinquency off my credit report so I can get away from this unethical mortgage company. The mortgaged property is at XXXX XXXX XXXX. XXXX in XXXX XXXX, where I hope to retire to. I live and work in VA and my address is XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX Thank you. XXXX XXXX XXXX XXXX.