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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

NO WAY TO CONTACT SYNCHRONY BANKS RECOVERY SERVICE CENTER NEED THEM TO SUBMIT XXXX C FOR EACH COMPANY ATTACHED TO MY NAME, XXXX  SICKNESS TOOK ME OUT FOR YEARS NOONE MONITORED MY ACCOUNTS FOR ME NEED XXXX C FOR THE FOLLOWING COMPANIES AND ANY OTHER CREDITOR. I PRETTY MUCH LOST EVERYTHING TO THAT XXXX SO I AM HERE TO CLEAN THIS UP. FOR ALL BUSINESS DEBTS THEY NEED TO SUBMIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 forgot the account existed.  X/X/2017     XXXX   XXXX  fr om Capital One c alled & told me that my account with them had been dormant for years. She led me to believe that I had a couple thousand dollars in account. She asked for Pin #, Password etc. I told her I did not have. I have forgotten all that information. I forgot I had the account!! She asked me many question to identify myself and I answered them all. She requested I send her thru fax # a copy of my SS card, a letter requesting a reset to access account, drivers license and utility bill. This was in order to reset account and provide me with a link to access account and for me to reset username, pin and password. They never replied.! I have reached out to the 3 times. Same story happens. This last time I spoke with one of their managers and he told me to go to a branch and identify myself and then they would reach out to them. However Capital One does not have branches in my area. I feel they are giving the run around. I want my money. I was overseas for a long time and have lost a lot documents. I need help. I will work with all to prove my identity, but I want a conclusion and want to be able to access my account.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Correction of Errors on My Consumer Report To Whom It May Concern, I am writing to formally request the immediate investigation and removal of inaccurate information from my consumer credit reports. This communication is addressed to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), Equifax, XXXX, and XXXX and is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

Upon receiving an updated consumer report, I have identified several unauthorized inquiries and erroneous late payments recorded on my credit file, which do not accurately reflect my account history. The items in question are as follows : **Unauthorized Credit Inquiries : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were not authorized by me and must be removed from my credit reports promptly. 

**Erroneous Late Payments : ** The following tradelines have inaccurately reported late payments, despite my consistent payment history : XXXX. XXXX XXXX : Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX. Self : Opened Date - XX/XX/XXXX I demand that the credit reporting agencies provide detailed information regarding any communication that was conducted to verify these alleged late payments, including the name, email, and position of the person spoken with at these institutions. Given the inaccuracy of these reports, I insist on an immediate correction or removal of these entries. 

**Actions Requested : ** - Remove all unauthorized inquiries within five business days.

- Correct or remove the false indications of late payments from the tradelines listed above. 
- Provide an updated copy of my credit report reflecting these changes. 

These discrepancies on my credit reports have caused considerable distress and impede my financial integrity. Please expedite this investigation and provide written confirmation of the updates. 

If these mistakes are not rectified within the specified time frame, I will not hesitate to seek further action to preserve my consumer rights. 

Thank you for your prompt attention to these serious issues. 

Sincerely,
Product: Debt collection

XXXX of XXXX I received an alert the company placed a derogatory mark on my XXXX XXXX. I contacted XXXX XXXX. And I requested two validation letters by mail from the company on XX/XX/XXXX, and XX/XX/XXXX. On XXXX XXXX alerted and informed me Mountain Run Solutions removed the invalid debt. 
On XX/XX/XXXX I received an alert Mountain Run Solutions has now placed A Derogatory mark on my XXXX credit report. 
The debt amount on my credit is {$210.00} an they claimed it was opened XX/XX/XXXX. XXXX XXXX. The company has never responded to my letters or sent me any validation documents that I requested from my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and these inquiries were unauthorized. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible, as they are preventing me from opening new lines of credit. 

Fraudulent Inquiries -XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX XXXX, XXXX XXXX : XX/XX/XXXX -XXXX XXXX, XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I charged a client {$650.00} total for my services. {$150.00} upfront and {$120.00} every two weeks unit we reach the total. The client got services then disputed with cash app. They refunded {$370.00} to the client. I have all the paperwork and messages between myself and the client. I was told by cash app that anyone can just dispute and ask for a refund and they would award it without any type of investigation. How can you refund money to someone that sent money to you 5 times but claiming that they didnt try to. I just want my refund. i have proof
Product: Mortgage

I have been speaking to a XXXX XXXX in the lost mitigation department at Shellpoint. 
I was denied a forbearance in XXXX and was told that there were not any other options for this loan. I was never told of programs that could possibly help me. 
I called XXXX XXXX to tell her at the beginning of XX/XX/XXXX that I was going to be applying for the mortgage assistance. She told me that there was a foreclosure about to happen but it was on hold because of title issues. She told me that I needed to do a reinstatement for the mortgage assistant application and that she would be sending out the letter for me to use this. When I received the reinstatement letter in the mail, it had a date of when I had to settle the amount past due on the loan or they were going to foreclose on the property on XX/XX/XXXX. My application for the assistance was received and I called XXXX XXXX to let her know, she told me that they no longer had the loan. She stated that the loan was foreclosed on XX/XX/XXXX and given back to the bank. The contact from the mortgage assistant is ready to approve my application but Shellpointe never sent me a foreclosure notice only a reinstatement letter. The application will not go through without this notice of foreclosure. This whole process seems wrong to me, the reinstatement was done because of the mortgage assistance application. Though its on a timer? This was way out of my control at this point.
Product: Debt collection

Someone by the name of XXXX, XXXX # XXXX of XXXX, XXXX is making some outrageously erroneous statement ( s ) on XX/XX/XXXX that XXXX, Incorporated has a contractual relationship with XXXX, XXXX and XXXX, XXXX acts as XXXX, Incorporated 's servicer as provided by the terms of the Mortgage. 
Go to first Attachment, highlighted on page 4 of 8, and also go to second Attachment.
Product: Debt collection

Global Payments Check Services recently closed the account in retaliation to me submitting a complaint to the Consumer Financial Protection Bureau. This breaches contractual obligations with respect to Consumer Finance Ethical Standards.

I don't appreciate the level of treatment I received by some of the people at this organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

reported the ftc violations to FTC and now CFPB please get this corrected accounts : {$420.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$50.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$47.00} Original creditor : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XX/XX/XXXX Creditor Name XXXX XXXX XXXX  XXXX Account Type Secured Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$110.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Creditor Name ATTORNEY GENERAL-XXXX  Account Type XXXX XXXX Account Status Open Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment {$370.00} Responsibility Individual Account. 
Balance {$25000.00} Highest Balance -- Payment Status 120-149 Days Late XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened DateXX/XX/2016 Closed Date -- Limit -- Term 65 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$10000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$10000.00} Times 30/60/90 Days Late 14/1/1 Remarks Charged off account XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 64 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance -- Payment Status Collection/Charge- XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$420.00} High Balance {$420.00} Remarks Medical XXXX XXXX XXXX {$50.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX   XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$50.00} High Balance {$50.00} Remarks Medical XXXX XXXX XXXX {$47.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$47.00} High Balance {$47.00} Remarks Medical
Product: Debt collection

I started receiving calls on Monday, XX/XX/2018 from XXXX XXXX regarding a debt owed to XXXX XXXX. I spoke with XXXX XXXX and explained to him that I had a medical debt from a sick child that caused the account to become delinquent and my bank will no longer allow them to debit funds from my account because of overdrafts. He was very professional and empathetic. He offered me 24 payments of roughly $ XXXXmo or a settlement of {$2500.00}. We agreed that I would make 2 payments of {$1200.00}. The XXXX in XXXX and XXXX in XXXX, however I was out of town and would call him back this week to set up the payment. 

Today, I received 3 calls from XXXX within 5 minutes. The first @ XXXX XXXX, the second at XXXX XXXX, and the third at XXXX. I called back and was transferred to XXXX XXXX, who stated that he was the General Manager. I told him that I had already spoken with XXXX and was at work so I did not have time to speak. However, I did ask him to slow down so that I could take his information and call him back with the details because I was in the process of pulling the fund to make payment from my 401K to pay the settlement in full. He immediately started yelling that they did not have time to wait on me, either I was going to pay now or he was suing me for {$6000.00}. When I asked why the amount changed, he became very aggressive and continued to yell at me and used abusive language. 

I suspect this is the same person that has been calling family member although I requested that they not.
Product: Bank account or service

Bank of America changed my account type from a fee free account to an account with fees after they " changed and reorganized their products ''. I had a Bank of America enhanced checking account that was fee free based on my relationship with Bank of America. I had a credit card and thus all account fees were waived. Bank of America changed my account type without authorization and is now charging me fees. This was an unwanted change.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Owed : {$0.00}, XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Mortgage

In XXXX of 2013, Bank of America indicated that the only way they would assist with a refinance on our mortgage was if we stopped making payments.This was repeated multiple times by multiple people at the bank - no assistance without evidence of financial hardship. They indicated that after applying through the TARP program and ceasing to make payments, it would take 3-4 months to renegotiate the loans. THREE YEARS later, we have just received an offer on the second loan, that is substantially above market rate and is nothing more than a 15 year amortization of the original loan. After the initial TARP submission, Bank of America Immediately sold the loan to a different servicer, requiring that we start over and resubmit the first mortgage application. They refused to consider a submission on the second loan until the first loan was negotiated. Re-doing the entire process with XXXX ( the new servicer ) took over 6 months. Once the trial period was over on that loan, we submitted the EXACT completed application that had successfully gone through underwriting at XXXX to Bank Of America. During the process, they lost paperwork, refused to believe they had paperwork, even when said paperwork was pointed out to them, showing on their own website, repeatedly closed the application for non-response, after taking 28 days to ask for the information, then closing the application 24 hours later, in some cases when the requested information had been uploaded to them days before they acknowledged receipt. Every time we approached a decision, they would come up with an entirely new set of issues and we actually had to submit a total of three applications prior to them offering a trial payment. The trial payment was offered with NO disclosure of terms whatsoever. We made the required XXXX trial payments, them made 6 more payments as it took the NINE MONTHS to generate loan documents. At this point, they have ruined our credit - still submitting to the credit agencies that we have not made one on time payment, when in fact we have made nine timely payments.
Product: Debt collection

Midland Credit Management has not given me any written notice via mail to properly identify me, if the amount is owed, nor supplied me with the account number to what is owed. They have not spoken to me over the phone, this is the first email I've ever received from them and have not send me formal written notice in mail. They sent an email demanding payment, or they will be handing over my information to an attorney without my authorization of handing over my personal information nor confirming if it is me or the amount I owe. They said if they don't hear from me or receive payment by XX/XX/scrub>XXXX XXXX XXXX MCM may proceed with forwarding this account to an attorney in my state for possible litigation. I have never heard of this debt collector, and they are using scare tactics to receive payment of money. The use of harassment and threat violates the Fair Debt Collection Practices Act ( FDCPA ). They have never received permission to contact me by phone nor email either. I would like a cease and desist to be put into place.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX have 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

I have written several letters since XX/XX/2020 and there has been no acknowledgement of the dispute process even beginning. I recently puulled my report and discovered a few inaccurate misleading items. I was also made aware in the process that my information was compromised in the Equifax data breach. Now more than ever I am convinced my information has fallen into the wrong hands. I have made several attempts to resolve this matter. Litigation is my next attempt to get these erroneous item removed from my report.
Product: Checking or savings account

I received a letter in the mail stating that my checking account, my savings account and all my credit cards have been closed. I have no idea why. all my accounts are in good standing, ive never missed a payment, and i havent done any illegal activity whatsoever. I was stunned for this to happen to me. This is just a case of pure bullying by someone who has more power than me. now, i am without a bank account of any kind, and i am missing all the lines of credit that were available to me. How am i going to keep up with my daily expenses? I have no idea ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX is reporting a late in XX/XX/19 that I should not owe. I paid this online and was never informed that the payment did not go through, and I did not realize it was marked as late until I had my credit pulled later. This is not my fault and I would like this late removed.