23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any ITEMS or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$45.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Experian Boost on XX/XX/XXXX and have since disconnected the service. I have also tried to unsubscribe from their marketing emails- and there is no way to unsubscribe. This is the message at the bottom of the email instead of an unsubscribe option : " Why am I receiving this email? This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian CreditWorks Basic emails in the past, dont worryyou no longer receive newsletters or special offers. You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but youll continue to receive notifications like this one on the status of your account. 

This particular email that I just cut & pasted the message above from was asking me for a review. I've also received credit card offers and other emails begging me to add onto their services ( such as a dark web scan ) - when all I want is for these emails to stop. Its WRONG for them to be able to send marketing emails anyway - after labeling them 'status of your account ', when that isn't true. We should be able to unsubscribe from ALL of their communications, especially marketing stuff like this.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing about my previous communication regarding the late opening date of my account. 

Despite my initial request to correct the opening date of my account, I regret to inform you that the issue remains unresolved. As a result, I am reaching out once again to request your assistance in rectifying this matter. I have attached copies of relevant documents, including proof of my application and any other supporting materials, to assist in the resolution process. 

I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening date. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX XXXX Balance : {$37.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00}.
Product: Debt collection

AUTO LOAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} ___ CREDIT CARD XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00}
Product: Debt collection

Phoenix financial services sent a bill on XX/XX/XXXX for services rendered by the XXXX XXXX XXXX  on XX/XX/XXXX. All bills from this hospitalization were paid in XXXX. When I called phoenix they were extremely rude and abusive and they threatened to ruin my credit. When I researched this company with the XXXX XXXX XXXX I discovered almost 400 complaints for the exact same conduct.
Product: Debt collection

when i cancelled my XXXX services i returned all the equipment paid over {$200.00} to get out the contract. The person that helped me made it clear my account was at {$0.00} and closed. Months later i get a collection for {$86.00} that i do not owe. I told my friend the story and the exact thing happened to him with XXXX. 
This is not how you treat customers.
Product: Mortgage

I have a Mortgage Loan with JP Morgan Chase, on my primary residence.Because of various hardships, listed in my hardship letter, I fell behind on my payments. I understand I am behind by 6 payments ( {$6300.00} ) including XXXX 2015. 

They have scheduled an Auction Date of XXXX XXXX 2015 to sell my home. So I had submitted a complete HAMP Modification package on XXXX XXXX 2015. They received it but said that I should have applied at least 1 month before the auction date. Since I did not do that, they are going ahead with the Auction. I DO NOT KNOW, IF THERE IS ANY SUCH RULE UNDER HAMP GUIDELINES.Please examine this and arrange to stop the auction. 
Since they are saying it is too late to do a modification, I requested them to allow me a Repayment Plan with 50 % of the arrears being paid now and the balance in say 6 monthly installments along with my regular payments.Even this they refused and are bent upon auctioning the property on XXXX XXXX. 

This is my Primary Residence, and I want them to give me a chance to keep it.If they auction it, my husband, I and my XXXX XXXX children will be thrown onto the street.
Product: Payday loan, title loan, or personal loan

unfairactions against me as a small businessesseeking government-sponsored coronavirus relief. It concealed from the public that it was reshuffling the PPP applications it received and prioritizing the applications that would make the bank the most money. I was one of the first people to apply with pnc as soon as they released the PPP application online. I applied on the XXXX XXXX, yet I was not able to receive funds because they did not process my application at the time of receipt. Instead they waited ten days to contact me saying I was missing initials and signatures. I immediately corrected and resubmitted the application. Again, they delayed before letting me know they needed more information. It took them ten days from date of receipt to even check my application. Yet, the loans were supposed to be given on a first come basis. They repeatedly asked for the same information that was given to them. And there are correspondences with dates and time to prove that. Small businesses were supposed to get this loan. Yet some how multi million publicly traded. Companies received a majority of the funds.
Product: Debt collection

I never received any communication from the debt collector in writing regarding the debt and the ability to dispute it. I seen it on my credit report which Is how I found out it was sent to a creditor. I sent certified written request to the creditor to verify the debt also to provide proof of receipts and estimates sent to them by my old apts to prove there were damages to the property and if there were damages the cost and estimates were of good faith and from at least XXXX professional companies. I also included in writing that the rent charge was incorrect and the old XXXX XXXX my move out date wrong they have XX/XX/23 but its really XX/XX/23 and I leased a storage on XX/XX/23 I provided them with the storage unit reciept. I have got no response. I have sent XXXX certified written request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account With XXXX XXXX XXXX shows as a Charge off and was not paid in Full. I have submitted documentation from XXXX XXXX show account was paid in full and not a charge off but they will not update credit report.
Product: Checking or savings account

On XX/XX/year> I received a successful XXXX deposit of {$1200.00}. 
On XX/XX/year> I received a successful XXXX deposit of {$300.00}. 
Both from the same person. 

On XX/XX/year> I received an email from my bank Navy Federal, stating that a review of my account indicated potential suspicious activity. I called the number provided by Navy Federal and I was informed that my account was closed. 
I went to the branch the same day and received the funds in my account minus the XXXX XXXX deposits. 
I have been in contact with the sender of those deposits for the last XXXX days, and the funds have not been returned to him or myself. 

The sender did not report fraud and nor did I. Navy Federal refuses to release the funds to either party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just want this stuff on my report verified and validated.. been hitting a wall with the credit reporting agencies whenever it comes to these accounts.. I simply wan na know how and why, I have rights as a consumer.. please help.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX  : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of list accounts a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX XXXX  with a balance of {$29000.00}, XXXX XXXX  with a balance of {$210.00}, XXXX XXXX with a balance of {$470.00}, XXXX with a balance of $ XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from FTC report ] as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XXXX would not honor an offer to credit {$50.00} back on purchase of {$250.00} or more at XXXX. The XXXX offer is titled XXXX XXXX XXXX XXXX Spend {$250.00} or more, Get {$50.00} Back. Click once on the offer in the XXXX app and the text above is repeated. It also mentions 'Multiple Locations '. The same page states, ' ... after you pay for your stay with XXXX XXXXXXXX XXXX XXXX from XXXXXX/XX/2017. Book directly with XXXX XXXX XXXX XXXX ... '. Still no mention of it applying to any specific brand only. The XXXX Rep stated it was for XXXX XXXX. 

No mention that XXXX is excluded as of yet. 

There is a map on the same page. It highlights XXXX locations in my current proximity. Neither of those highlighted are embassy suites. They are both XXXX branded. 

Only when I click on the full terms do I see any specific brands listed. It excludes every XXXX brand I can think of, XXXX XXXX too! 

Excludes XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX by XXXX, XXXX - XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX and XXXX XXXX XXXX. 

List of XXXX brands from their website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am filling this complaint because Experian has ignored my request to provide me with their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX ( XXXX ) ( a ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I want to refile this please as my formal complaint to WELLS FARGO BANK for still allowing the fraudulent account on my credit report. I filed an identity theft with the FTC report number XXXX. As I rechecked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports but they seems to neglect the responsibilities to provide accurate information to my credit report.
Product: Debt collection

Leased home from XXXX XXXX with co-applicant. Lease term was from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX, I email company my 30 day notice to vacate. I moved out of the home XX/XX/XXXX. Rent was paid with XXXX  balance for XXXX and XX/XX/XXXX. My spouse and I were divorcing so he remained in the home and I relocated. He stayed in home until XX/XX/XXXX. XXXX XXXX filed eviction and later received a judgement against me for unpaid rent and violating lease in the about of {$3400.00}. They mailed the eviction and judgement notice to the home where I had moved from 2 months prior.and I was not able to present my case along with documentation to say this eviction and judgement has been filed in error. The later sold the account to FCO- Fair Credit and outsourcing who have added an additional {$3600.00} for what they are considering contractual damages for a total of {$7100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked from a breach with my doctors office. I received a recent notification and then I looked closer at my report & noticed that there have been a lot of request that someone made attempting to open accounts in my name that I did no give them my permission to do so.
Product: Credit card or prepaid card

As a federally protected consumer and natural person BANK OF AMERICA has violated my rights.BANK OF AMERICA is in violation of the ELECTRONIC FUNDS TRANSFER ACT ( REGULATION E ) .Pursuant to 12 CFR 1005.2 ( I ) & 15 U.S. Code 1693a ( 9 ) Financial institution means a bank that directly or indirectly holds an account belonging to a consumer.The account BANK OF AMERICA holds for me belongs to me only not them.BANK OF AMERICA is also in violation of the TRUTH IN LENDING ACT ( REGULATION Z ). Pursuant to 12 CFR 226.2 ( 20 ) they have violated the terms of our open end credit plan. TAKE NOTICE PURSUANT TO 15 U.S. CODE 1666 ( E ) THE CREDITOR LEGALLY AGREES TO FORFEITS ANY RIGHTS TO COLLECT FROM THE OBLIGOR THE AMOUNT INDICATED IN THIS DISPUTE, WITH RESOLVING THESE BILLING ERRORS.AS THE CREDITOR, YOU BANK OF AMERICA MAY NOT COLLECT ANY DISPUTED AMOUNT, I THE CONSUMER DOES NOT NEED TO PAY, A CREDITOR SHALL NOT ACCELERATE ANY PART OF THE CONSUMER 'S INDEBTEDNESS OR RESTRICT OR CLOSE A CONSUMER 'S ACCOUNT SOLELY BECAUSE THE CONSUMER HAS EXERCISED IN GOOD FAITH RIGHTS PROVIDED BY THIS SECTION.SUCH ACTIONS BY BANK OF AMERICA WILL FORFEIT ITS RIGHTS TO COLLECT THE DISPUTED AMOUNT AS DESCRIBED IN 15 U.S. CODE 1666 ( E ) AND PURSUANT TO 12 CFR 1026.13 ( D ) ( 3 ) ; AND HOLD THE CREDITOR BANK OF AMERICA LIABLE PURSUANT TO 15 U.S. CODE 1693M FOR THE ACTUAL DAMAGE CAUSED TO I.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the provisions outlined in the Fair Credit Reporting Act, the compilation of accounts provided below has transgressed against my rights safeguarded by federal law for consumer privacy and confidentiality, as delineated in 15 USC 1681. I formally communicated with XXXX, XXXX XXXX, and Equifax, instructing them to undertake a re-examination of these specified accounts : 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  Regrettably, their response indicated that the investigation had been concluded and that the information presented was deemed accurate and complete. This assertion raises questions considering the evident inaccuracies in various aspects, such as the open date and date of last activity, as stipulated by 15 USC 1681i ( 5 ), which obliges correction of inaccurately reported accounts.

Pertinently, the provisions within 15 USC 1681, section 602 A, affirm my entitlement to privacy. Furthermore, 15 USC 1681, section 604 A, subsection 2, explicitly states that a consumer reporting agency can not disclose an account without my explicit written instructions. Additionally, as per 15 USC 1681c. ( a ) ( 5 ), it is explicitly prohibited for any consumer reporting agency to include specific types of adverse information in a consumer report, particularly information predating the report by more than seven years, excluding records of crime convictions.

In accordance with 15 USC 1681s-2 ( a ) ( 1 ), it is impermissible to provide any information to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. Furthermore, it has come to light that these agencies are not in compliance with the guidelines established under the Metro 2 credit reporting framework. I possess compelling evidence substantiating my claims in this matter.
Product: Checking or savings account

On or about XX/XX/2022 Regions Bank allowed scammers to make 3 withdrawals from our business account totaling {$120000.00}. Before the withdrawals were completed Regions Bank called me on the phone to alert me that some fraudulent activity was in progress. I immediately let Regions know that I was not in the process of doing any withdrawals at that time. I went to the local bank within 10 minutes. However, Regions allowed the funds to leave my account. It's been about a month and Regions has not returned the money. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have bounced checks and are in need of the funds to meet payroll.
Product: Mortgage

My Heloc was transferred from XXXX to Bayview Loan Servicing. I made additional principle payments of {$2900.00} to Bayview but they did not apply any of it to the balance even though it is reflected in the year to date portion of XX/XX/XXXX statement. The additional principle was made during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Bayview then flipped the Heloc to a company called XXXX XXXX who immediately transferred it to XXXX XXXX Bank. XXXX bank refused to look into my complaint stating that it was not their job to do Bayviews accounting. XXXX will not even respond.
Product: Mortgage

Foreclosure Due to Denial Loan Modification Requests Trustee : : XXXX XXXX, XXXX Trustee for XXXX XXXX Series Trust Loan # : : XXXX Current Mortgage Servicer : : SPS Select Portfolio - Loan # XXXX Our current mortgage servicer is ( SPS ) Select Portfolio Servicing, as of XX/XX/XXXX as a result of a transfer by our former servicer, XXXX XXXX XXXX. ( Please note : We have had 6 mortgage servicers dating back to XXXX ) on our Non-Agency Securitized Mortgage since originated in XXXX with XXXX XXXX XXXX XXXX. Since XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers in loan modification denials signed by XXXX XXXX, XXXX Trustee indicating " the loan investor/ Loan owner ( XXXX XXXX-XXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through SPS have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XX/XX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX Trust last filed documents with the SEC in XXXX ). SPS indicated in XXXX of XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with SPS our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 56 dating back to XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner on our behalf for an exception or waiver permitting a 1 x loan modification. We have also made over 47 attempts to XXXX XXXX, XXXX directly for assistance with this matter as they are referred to as the Trustee & Master Servicer of our mortgage which we now understand was a faulty securitization scheme in XXXXThey have indicated that they do not have contact information on the actual investors/loan owner, yet XXXX XXXX XXXX XXXX as trustee and " Master Servicer '' per the XX/XX/XXXX Pooling & Servicing Agreement ( attached (. XXXX XXXX, XXXX Trustee, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests. Additionally, there have been a number of Falsified Mortgage assignments on our mortgage by XXXX XXXX, XXXX. 
Sincerely, XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to XXXX XXXX XXXX  and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately needed. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.