23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after investigation. I would like these items immediately re-investigated and for good cause. XXXX XXXX  XXXX Account # XXXX These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual funishers of information. 3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Also, this is a violation of HIPAA. This company also didnt provide me a HIPAA release that release my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
Product: Checking or savings account

Usaa sent document dated XXXX XX/XX/year> saying my account was closed. I currently have my VA disability checks and work checks deposited in account. They tell me i wont received that money for 60 days and it will be a check. I have contacted them on chat on phone call XXXX times as of right now, XXXX XX/XX/year>, with no luck. I keep getting emails saying they have escalated, but no one answers the phone and no email to respond back to. 60 days for me to find a new bank, adjust my direct deposits and have no funds to live off of.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX COMNWLTH FIN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious COMNWLTH FIN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

To Whom It May Concern : This is one of many problems with JP Morgan Chase. I have been with them for decades. Including my family. They took it upon themselves to close my Checking account and savings account that is also linked to a joint Checking and savings account with my mother. The branch that knows about all of this doesn't have access to any information. They have tried to call telephone numbers and I have tried to call telephone numbers and there is zero response. In turn this has affected my credit cards with JP Morgan Chase because I can't speak to anyone and everyone at the branch has been laid off. Therefore no one has any access to any information. I am not sure if there is fraud or something done in a malignant way to me. It has affected my credit with XXXX and the credit services. I have no idea what happened but someone did threaten me to close my accounts at JP Morgan Chase but she was unable to do anything according to what I was told. She had no explanation other than she is no longer with the branch and was either let go or is somewhere else. Regardless I don't know what to do and I am desperate. Your help is greatly appreciated.
Product: Checking or savings account

I received a strange call from someone claiming to be the fraud department at my bank ( Navy FCU ) and they had me verify my identity, a bunch of info, and move money between another member 's account and then it was moved back to my own. My caller ID said it was their number and that the Navy FCU Fraud Dept. was calling me. At the end of the call, the amount of money in my account was the same as before the call, but the caller seemed a little off so I called the bank back. They had no record of a call to or from me that day. I then called their fraud department to report what I now knew to be a fraudulent phone call and activity within my account. They opened a lengthy investigation, secured my account and online banking access, sent me a new debit card and froze my savings account. Then they took the amount of money ( $ XXXX ) the fraud had moved out of my account and then back into it and said they needed to hang onto it during the investigation, but I would hopefully get it back. I did not understand why this was necessary, but didn't have much of a choice other than to let them hold onto it. This is 2 weeks of pay for me, and I didn't have access to my savings, so it definitely caused some financial hardship for me. Payments were missed that month, some paid for me by my partner. I received 2 letters in the mail ( attached ) that stated the investigation was over, no errors were made, I had requested to withdraw my fraud claim and they were keeping my money. I NEVER withdrew my fraud claim and had patiently waited the whole time for the investigation to conclude. I do not understand how any of this could possibly be my fault. I need help, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving harassing and threatening telephone calls of profane and abusive language, threats of garnishment of wages, being sent to jail, XXXX and death from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a fraudulent debt of {$200.00} and account thats not my account and is the result of identity theft. The account and debt is a fraudulent account and debt thats from identity theft. Its extremely appalling and frightening to be receiving telephone calls of death threats. I am in fear of my life. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is in serious and major violation of of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY XXXX  XXXX XXXX! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! XXXX  XXXX XXXX IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

XXXX  XXXX XXXX RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED XXXX XXXX XXXX OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY XXXX  XXXX XXXX ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my XXXX  XXXX XXXX Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Bank account or service

I leased a vehicle in XXXX and the lease was serviced by US Bank. At the end of the three year lease I decided to purchase my vehicle. I took a car loan with XXXX for the payoff amount and a check was issued to US Bank on XXXX/XXXX/XXXX for the purchase price of the car plus the sales tax due on the purchase of the car. I knew I had purchased the vehicle ; however I never gave any thought to the title. Out of sight out of mind, as the saying goes. 
I decided to trade in my car this month as I have had major costly mechanical problems this year. At this point I realized I never received the title for the car when I purchased it in XXXX. I called US bank on XXXX XXXX, XXXX and explained that I had never received my title. They confirmed the check they had allegedly mailed to me with the title was never cashed. I explained I was selling the car and needed the title as soon as possible. I called again on XXXX XXXX, XXXX XXXX the customer service representative stated US Bank would need to send me a letter, requesting {$55.00} to cover costs of securing my title. I was advised the {$55.00} was to cover the cost of mailing the title & check priority shipping. I became very upset as I was informed I could not pay over the phone with a credit card and the letter had not been mailed as of XXXX XXXX. I reiterated that I needed the title urgently and expressed my opinion that my title was being held hostage by US Bank. The did not send the original title by certified mail, why should I have to pay {$55.00} for a title they were responsible for sending me 3 years ago? The customer service representative stated they sent a follow up letter in XXXX, again not registered or certified. It is highly unlikely XXXX very important pieces of mail from US Bank would get lost by the US Postal Service. I truly believe the title was never sent. It is now XXXX XXXX ; and I have yet to receive the letter from US Bank. I have obviously lost the car I had negotiaited to purchase, but even worse I am paying a car loan for a vehicle that is not being driven because of serious mechanical problems. It is disgraceful that US Bank accepts no responsibility for a ball they dropped almost three years ago. What do I need to do to secure my title and the check for the sales taxes that they have had for almost three years? I am desperately in need of some assistance to secure the title and the sales tax payment. Thank you in advance for your help.
Product: Debt collection

Hi, my name is XXXX XXXX. For my spring semester of XXXX, I didnt pay {$430.00} of my tuition and it went to collections. The collection agency never called or sent a letter. I found out by checking my credit reports. On XX/XX/XXXX, I paid {$430.00} in full to the actual school, which is XXXX XXXX XXXX XXXX. I couldnt pay via the debt collector because there was never a letter sent with a case number. I tried disputing it via XXXX  and they denied it. Keeps saying that I still owe to this day {$430.00} thats been paid to the school already. It keeps affecting my score since they keep updating that my payment is late. The company is called Merchants Credit Guide
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX XXXX XXXX  ( Mortgage owned by XXXX XXXX XXXX  ) stopped reporting the status of my payments, which were made on time. By failing to report the status of my recent payments, it lowers my credit score preventing me from re-financing. I have filed complaints with both XXXX, and then the credit bureaus. XXXX  closed the complaint without changing the status of payments since XX/XX/XXXX. The payments should be reported as on time, since XXXX failed to report the status to XXXX. In XX/XX/XXXX, XXXX  XXXX XXXX stopped using XXXX XXXX   XXXX  to manage mortgages, and it is now with XXXX XXXX. I would like XXXX  to change the status of the payments from XX/XX/XXXX to XX/XX/XXXX as on time or current instead of " not reported ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  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, credit repair services, or other personal consumer reports

My credit report listed a address on my report that I do not recognize and never lived there this has been a ongoing issue
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX  Balance : {$690.00}.
Product: Checking or savings account

WellsFargo did not look correctly into a claim and withdrew XXXX $ from my bank account leaving it negative. Ive spoke to wells Fargo and they dont want to look into it any further the rep stated the claim is already closed as of today which is XX/XX/2019z
Product: Credit reporting or other personal consumer reports

Trans union is reporting a car loan that was discharged in 2018. I've tried to have it corrected with no luck. 
Creditor is XXXX XXXX XXXX
Product: Debt collection

Resurgent Receivables LLC has provided nothing to show that I owe them anything. I have repeatedly requested for information to prove that the debt is mine but Resurgent Receivables LLC has failed to do so. 

I also sent in a prior complaint about this issue and Resurgent Receivables LLC cited the lawsuit they filed against me in attempt to collect this false debt as a reason to not comment on my previous complaint. 

Resurgent Receivables LLC is also not authorized to collect debts in my state XXXX XXXX XXXX XXXX This is a violation of consumer law and makes the lawsuit that they filed in pursuit of the alleged debt illegal and non-standing. I attached a list of the authorized states and counties that Resurgent Receivables LLC can collect debt in. 

This is what is causing me to write this second complaint to try to get this situation resolved and the debt deleted from my credit report indefinitely. 

This process has been very stressful for me and has cause me to underperform at my job resulting in my firing. This has cause a lot of strife in my life and I would love for it to be resolved by having this stain deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a debt settlement to a third party collection agency collecting on behalf of TD bank ( XXXX XXXX XXXX ) TD bank updated my account as settled but also re-aged my account with XXXX and possibly the other agencies. Originally before paying this settlement it showed this account to be removed from reporting on XX/XX/XXXX now it shows to be removed on XX/XX/XXXX.The date of first delinquency was XX/XX/XXXX. My report shows OK for payment on XX/XX/XXXX and then delinquency the following month. This is how they re-aged the account. Also they keep reporting monthly as charged off after I 've settled this account to the credit reporting agencies which is keeping my score down monthly.
Product: Credit reporting or other personal consumer reports

I attempted to dispute this account but XXXX disabled my access to do so.

I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

1.Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX  I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

2.Account name XXXXXXXX XXXX XXXX  Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

3.Account name XXXX XXXX XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

4.Account name XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
For this account I have been contacted by a collections agency I believe that my personal information has been compromised or sold. I did not authorize this company to access my personal information or credit file. 

5.Account name XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.
Product: Checking or savings account

I have attempted multiple ( 30+ times literally with 6+ Different authorization methods ) to prove to Citibank I am real. Ive given them multiple phone numbers, which they state they cant use to authorize account, authorized via portal multiple times, sent demand letters x2 ( Im attaching their most recent response to my sending a signature card per their request, a selfie, a copy of my license and others ). 

They refuse access to account. Meanwhile Im on ssdi with no acceSs to money. Help, please.
Product: Mortgage

Back in XXXX, I had to switch accounts from which my mortgage payment was withdrawn from ( to a XXXX account ). Prior to that, several months before, I was issued checks for this said XXXX account. Without my knowledge, these checks had the wrong account number on them ( two digits were switched ). Prior to switching to this new XXXX account, I had used the erroneous checks successfully and without notification from XXXX that the numbers were not correct. 
When I added the payment information to Freedom Mortgage using the erroneous check number, I was not immediately notified that the account information was incorrect. I received a letter from Freedom two weeks after the payment failed mentioning the account number was wrong. I thought that maybe I inputted the check number wrong, as I had no idea the account information on the check was incorrect. By the time I received any notification from Freedom Mortgage, I had a late payment and a negative credit reporting. It wasn't until this time that I realized the account information was wrong. Again, XXXX used did successfully withdraw payment to another vendor using one of these checks. 
I am complaining because Freedom Mortgage did not give me adequate time to find and adjust the error. In a communication with them, they claimed they called me on three separate dates. My phone records do not show any calls from them. They also said they were unable to leave voicemails. In a further communication, they said they don't always attempt to leave voicemails. I had a perfect payment history with all companies, over XXXX in liquid assets on a $ XXXX mortgage. They did not provide adequate time ( mailing a letter weeks after the delinquency ) and I could not find the error in time. Then they lied about actually calling me.