23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have attached 2 complaints against XXXX XXXX. 

I has disputed XXXX XXXX XXXX XXXX that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX   appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing, and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1. For reporting an item that had already been removed 2.  Not responding in a timely manor. 3. Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. 

I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. 

Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 3 hard  inquiries in my credit reports all originating from the same mortgage loan. This is having a negative affect on my credit ratings, and could affect my interest rate. 

We applied for a home construction loan with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As with all construction projects, the loan process occurs over a period of several weeks while a construction contract is negotiated, plans developed, and pricing finalized. XXXX pulled our report twice, at initiation and with the final builder contract 8 weeks later. The other two banks pulled once. 

It was obvious that we were shopping for the best mortgage proposal for our new home and should not be penalized for doing our due diligence. This should be treated as one hard inquiry ... period. 

My experience is without getting an attorney involved, these companies do not take the time to adequately investigate issues within their reports. 

Thank you for your assistance in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I requested documentation from the creditors such as statements showing I was in fact late otherwise update this late payment to paid as agreed. 
Creditors included XXXX XXXX XXXX XXXX and XX/XX/XXXX {$510.00} XXXX XXXX and XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$12.00} XXXX XXXX XX/XX/XXXX {$79.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} After 30 days I received no updates or documentation. I again reached out via phone to all three credit bureaus letting them know I had verified letters to creditors and bureaus to which I was told they had 60 days. Which is incorrect. A cycle is 30 days for response. This has been on going with these reports for over a year. I also have security breach letters from 3 of 5 creditors during my time with account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TRansUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Debt collection

I'm in the process of purchasing a home. They are reporting on my credit report. This company is reporting fraudulent and inaccurate information on my credit report. In letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and email communication dated XX/XX/XXXX, I have requested that they provide a copy of the purchase agreement as well as the bond that proves their legal registration as a debt collector in my state to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me and they were unable to. They are violating my rights via 15 U.S.C. 1681 law.
Product: Student loan

I applied for the Public Service Loan Forgiveness program and was denied. I took ou t William D. Ford L oans and I have been paying on them  since  XX/XX/XXXX . I have paid for 17 years without missing a payment. I have never been late with a payment s ince I have automatic debit. I work fulltime as an  XXXX  in a   XXXX   XXXX   XXXX   and meet all the other qualifications. I have also applied for the   XXXX   forgiveness program   and been denied because I took out my student loan in     XX/XX/XXXX  o ne semester before the program benefits.   XXXX   University   DENIED the Perkin Loans to the  XXXX  students who were in greater need than the  XXXX  students because our classes were much more expensive. If they had allowed the   XXXX    students Perkin Loans I would have had 100 % forgiveness. What are my options at this point in time after paying faithfully for 17 years. Please help.
Product: Debt collection

I was taken to court back in XXXX when I showed up to court on my date. They had already issued judgment. Then my wages were garnished from an employer current at the time, I stopped working for that employer then they garnished my current employer. They went back to court in XX/XX/XXXX and got a writ of garnishment which in return froze my bank account. The monies are still being held in my bank account. The company XXXXXXXX XXXX  won't give me an explanation. My bank won't give me an explanation. XXXX XXXX states that are writ of garnishment expires after one year. It has been way over a year. My bank won't cooperate. The company won't cooperate the courthouse when I disputed it because the monies that are being held are death, retirement benefits which are exempt, I also work for an employer State affiliated which are exempt also and finally some of the money that was put into that account was from XXXX XXXX XXXX  for my XXXX XXXX XXXX XXXX for XXXX again exempt funds. The judge denied dispute, my bank wants to charge me to prove monies deposited are except funds for court. 
Please help, I need these monies released, under Colorado law writ of garnishment expired in XX/XX/XXXX, since it has been over 1 year. 
The company still collecting interest, they don't have the correct amount for the writ to begin with, they did not count any monies they garnished from my previous employer. The company agreed for a payment plan and said they don't have to honor that. 
The judgement was issued in XXXX, the writ in XX/XX/XXXX, no notification in writing from the company, court or bank. 
I am just tired of this run around, XXXX says it's a Bank problem, the bank says it's XXXX problem, court denied request to release exempt money and follow XXXX XXXX 
Help please, my next contact will be XXXX federal monies issued and deposited are being held. These to are except monies. 
So a recap monies on hold for writ of garnishment included XXXX money from XXXX XXXX money from employer Money from retirement/ death money Boyfriend state money from employer. 
Please help, what do I need to do? XXXX XXXX is not being followed.
Product: Credit card or prepaid card

3 separate phone calls and documents sent to company explination below. 
Letter I wrote First Progressive : XXXX  XXXX XXXX XXXX XXXX, TN XXXX I am writing to request a review of a dispute filed XX/XX/XXXX. Case No XXXX was for a dispute in the amount of [ {$340.00} ] dated XX/XX/XXXX on my account. The amount was found to be accurate because letter dated XX/XX/XXXX, ( No billing error occurred ) and I am responsible for the disputed fraudulent charges. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
A credit was issued and then re-charged on my account. Even after I had called to reopen the disputed charges. Under the FCBA I can only be charged XXXX. I am in no way okay with saying due to a family relationship it is okay to call these valid charges. If in-fact you want to arbitrate this matter I am absolutely willing to do this. I have also filed a complaint with the federal Trade Commission as I informed the Dispute department I was going to since the ruling was not favorable for the theft on my account. 
Enclosed is a copy of the police report filed which had also been faxed to XXXX on XX/XX/XXXX as requested on XX/XX/XXXX when I called to ask the file be reopened. I spoke with a XXXX in Fraud/disputes who could not give me an employee ID number or any other information on her position. 
Today when I waited 1hour and 30 minutes for the dispute department to pick up I finally hung up and called back to customer service and got a supervisor XXXX who was able to connect me to disputes right away. XXXX in Disputes was told all of this and then came back on the line and said due to the perpetrator being related I am responsible. I believe it was my daughter who is XXXX years old who committed this act. I do not believe the credit act allows for people to be charged solely because of relationship. 
Copies of my original signed disputed transaction form signed XX/XX/XXXX, for total amount listed above to supporting my position. I also included some of the other proofs of theft on my other bank cards for your review. Please investigate this matter and correct the error as soon as possible. 
Police report # XXXX XXXX XXXX XXXX XXXX  disputed forms-amounts and case No. XXXX and XXXX ]
Product: Debt collection

The account is reporting on my credit report but is not my account. It 's not even my name on the account. I tried to talk to the company and the first gentleman got aggravated and starting talking over me and told me to hold on, and then his supervisor got on the phone and she said I needed to file a dispute and allow 72 hours for dispute process. I have n't had an XXXX XXXX XXXX account. I 've had XXXX for years.
Product: Checking or savings account

XXXX sent in XXXX XXXXXXXX withdrawal request from my REGULAR savings account, which was rejected. 
XXXX called to ask why it was denied. They said my account was 'under review ' but REFUSED to tell me why. Said I couldn't access the money until they had 'reviewed ' the account and that it would be 3-7 days. NO explanation of why my account is frozen. 
XXXX email from Marcus stating to call them. When I did, and upon giving my personal information to identify myself ( birthdate, social security number, who I live with, and a previous address ), they said I 'failed the authentication test '. This is impossible as I gave them the FACTS of my life that they asked for. They wouldn't tell me what I supposedly got 'wrong '. They immediately said the only way to authenticate me is to send me out a packet that I have to fill out, notorize and send back. I would receive it within 7-10 days. 
XXXX Still NO packet. I called stating I want access to my money and now want to CLOSE my entire account. XXXX said no supervisors were available until Monday, and reiterated what had previously been said. She said she'd try to reauthenticate me another way ; by sending a code to another phone number ( I only have one cell phone number, like most people ), and then asked what state my driver 's license was issued in. When I said, New Jersey, she said, 'no, that's not a state that we can work with. Additionally, she said that on her end she could see that the packet was sent to me, but again I told her I never received it. She said when I do receive it and send it back, it'll take another additional 10 business days on their end to process it after receiving it. So now their delay tactics have cost me an additional month 's interest that I'm losing due to not being able to invest in a much higher earning product. 
Note : I did a search for similar complaints against Marcus through the XXXX  and found dozens of complaints about Marcus holding people 's money hostage with false claims that they didn't pass the authentication. Too many to be a coincidence. 
XXXX Tried to access my account online to see any unauthorized activity that Marcus Goldman may have conducted, but now I have NO access to MY account ; Im completely locked out from even accessing it online! 
XXXX Still NO packet from Marcus Goldman in the mail ( XXXX business day now ).
Product: Credit card or prepaid card

Products were ordered from the vendor in XXXX of 2021. 
Products were to be shipped and received by XX/XX/2021. 
Items were not received at that time. 

Attempted cancellation with vendor after 2 weeks delay. Vendor refuses cancellation. Asks for patience. 
Items received on XX/XX/2021. 
XXXX XX/XX/2021 via USPS, and was received by the vendor according to USPS tracking on XX/XX/XXXX. 
Multiple calls to the vendor requesting refund " yes, it will be refunded '' still has not been processed. 

When attempting to reach out to their allied financial institution ( Comenity Bank ), and attempting to raise a credit card dispute, Comenity interfered and refused to process or take information relating to the fraud / dispute, on 3 occasions ( on XX/XX/2021 ) - representatives were unwilling to process the complaint, and proceeded to disconnect the call. 
The only general contact information for Comenity aside from the vendor card is a debt-collection agency, which reportedly has no account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXXXXXX 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

I have been requesting, since XX/XX/2021, verification of these alleged debts that Equifax and XXXX  keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Product: Credit reporting or other personal consumer reports

Sure, here is the letter recrafted to the Federal Trade Commission ( FTC ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX To whom it may concern : I am writing to dispute a 60-day late payment on my credit report that is being reported by Experian. The late payment is for a XXXX XXXX XXXX credit card account with the account number XXXX. The date of the late payment is XX/XX/2023. 

I believe that this late payment is inaccurate because I made the payment on time. I have attached a copy of my payment receipt as evidence. 

I am requesting that you investigate this matter and help me to get the late payment removed from my credit report. I am entitled to do this under Section 15 611 of the Fair Credit Reporting Act ( FCRA ). 

I would appreciate it if you could investigate this matter and help me to get the late payment removed from my credit report within 30 days. If I do not hear from you within 30 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Receivables Performance Management ( RPM ) sent a letter stating that we had been sent for a debt collection for XXXX in the amount of {$380.00} for services XX/XX/2016. We did not have XXXX services then, nor were we even eligible to get their services as they were not in our area at that time. We called XXXX to verify the fraudulent claims and they have verified that for us. RPM continues to harass us for a debt that is not ours!
Product: Mortgage

All the funding I have access to is owed to the United States. The way I pay what I owe is by paying people for their goods & services. Middle man Wells Fargo decided to enrich itself by stealing then lying to everyone. I was paying off people 's loans to help them get out of debt & not end up on the streets. 

Wells Fargo decided to keep the loan payoffs I made for people. It changed the loan numbers then sold the loans & auctioned home off anyway. 
I have no idea if XXXX is alive or not. The other was kept in debt buy this bank. 

The bank expects you the CFPB to do nothing about it. Since Wells Fargo & XXXX  XXXX XXXX decided to steal then lie, I chose to I document everything to show the Attorney General & White House. 44 asked questions. 45 didn't care 46 wants answers.
Product: Credit card or prepaid card

I moved approx {$4500.00} in charges to a payment plan utilizing Amexs PLAN IT feature. Despite the amounts being reflected on the account as being active Plans with the ability to pay the amounts over 24 months, Amex is still demanding payment in full and is reflecting the account past due for these amounts. My charging privileges have now been suspended and when I call I get connected to collections who just dont seem to be able to grasp the issue. Both my calls and chats have been disconnected while I patiently explain the issues but the agent seems either incapable or unable to understand, address and resolve. CFPB should get involved here this is a major card issuer and this problem has to be impacting lots of consumers.
Product: Debt collection

This account was sold to collection agency against Hipaa violation. Account was sold for {$6000.00} and got a call about trying to be sued. I have not signed or received any paperwork from company. XXXX XXXX and XXXX XXXX have went against the Hipaa law. Now I get a letter about wage garnishment but yet to receive proper paperwork. This is unethical of this company to sue without summoning myself with proper documentation.
Product: Checking or savings account

On XX/XX/2023 I made a mobile check deposit to my HSBC checking account. The check deposited was for about {$600.00} and it was a company check issued by XXXX bank. That same evening, I tried to sign into my HSBC mobile app and was unsuccessful due to my account being suspended. After several unsuccessful hours of attempting to reach XXXX, I was finally able to reach someone and was told that my account was blocked due to my mobile check deposit and that Id have to call back the the next day. 

On XX/XX/2023 I called the security department at HSBC as I had been advised. It took me five attempts of calling and being transferred to various departments before I finally reached a bank representative. The representative was less than helpful and told me that I would regain access to my account after they finished their investigation and verified my deposited check which could take 5 business days. 

I then contacted XXXX XXXX, XXXX XXXX Relationship XXXX as well as XXXX XXXX, VP via email and copied XXXX XXXX, XXXX. Hours later, I received the following response from XXXX : Thank you for your email and I understand your frustrations. Unfortunately, I cant remove a block placed by our Security Team and the Security Team will need to complete their investigation. I have logged a complaint on your behalf, XXXX and the XXXX XXXX can be reached at XXXX, Monday to Friday from XXXXXXXX XXXX XXXX to XXXXXXXX XXXX XXXX 

I replied to XXXX and left a third voicemail, asking her to call me. I explained that I certainly can understand HSBC holding the deposited check funds until they successfully verify that it is a good check. However, what is not acceptable is that HSBC has blocked me access to all of my funds including my payroll direct deposit that will be deposited this week. 

Due to the suspension of my account, my family has no access to any of our funds. Im unable to pay my mortgage on time or even buy groceries for my children. I have been a good customer of HSBC and have direct deposits every month that range from $ XXXX $ XXXX. It is appalling that HSBC would block me from accessing any of my money while they investigate a valid XXXX bank check. It is also appalling that HSBCs security team that placed the hold is impossible to reach directly and that Im advised to wait the length of the investigation. This is unethical and not acceptable.