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

I am requesting that your bureau reevaluate my identity theft dispute and conduct a thorough and unbiased investigation in compliance with federal law. I expect a response that adheres to the legal requirements of the FCRA, including notification of the results and any necessary corrections or deletions to my credit report. I trust that your bureau will take this matter seriously and act promptly to rectify the unjust denial of my identity theft claims. Failure to do so may compel me to pursue legal action and report your noncompliance with federal law to the appropriate regulatory authorities. The identity theft claims in question pertain to fraudulent activities on my credit report. These fraudulent activities include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these fraudulent accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days and still have not received anything back from Transunion and XXXX. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In case # XXXX, SPS cites a clause in the original note that supposedly gives permission to pay off a superior lien, but the clause also states that the first lien must be in default, which my first mortgage was not. I was in no danger of foreclosure by XXXX XXXX. 
Therefore, the " protective advance '' was a cash out refinance, entitling me to a three day right of recision. Also, I was never given any documents itemizing ANY disbursement of funds, which is also a RESPA violation entitling me to an extended right of recision.
Product: Student loan

XXXX account was transferred to MOHELA. I paid off a large portion of my loans to XXXX before this transfer. In hope for potential forgiveness, I then requested all payments made during the freeze to be refunded, however MOHELA has only refunded me for the amounts that I paid to them, and they have not refunded me for payments made to XXXX. They have refunded me {$4500.00}.
Product: Debt collection

I received a Phone Call from Endpoint resolution stating that they are representing for XXXX, And that I had to Pay them immediately! I have tried to have them to send Me a letter to verify if they are legitimate. I have been getting repeated harassing Phone Calls from various locations. And Today when I called to ask For a Letter, The person who has Been calling me threaten me and was very Rude, had said if I did n't Pay by XXXX Friday XX/XX/2016 they were going to take me to Small Claims Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXXXXXX XXXX CARD XX/XX/2020
Product: Money transfer, virtual currency, or money service

RE : Consumer Financial Protection Bureau Complaint ID # XXXX and the Office of the Comptroller of the Currency Case # XXXX Please reopen this complaint. My concerns were not addressed.Thanks to the CFPB for getting a response from Webster bank. I was ignored after I filed my complaint. Makes anyone wonder how many customers this bank treats this way. 
Webster bank must direct me to their policy of keeping external mortgage information in their bank records. No Webster bank loans were involved. I have discussed this made up information with another bank I use and they have never heard of any such policy. In addition, my mortgage documents have never been retained at other times when I did a wire transfer. 
Webster bank did not explain why my online access to customer service was shut off. 
Webster bank did not explain why all efforts to contact Webster employees to file complaints were ignored. The bank employees in supervisor roles ignored all my emails. 
Most important, which individuals or outside agencies were given access to my wire transfer information?
Product: Student loan

XXXX XXXX XXXXNavient My mother and I moved in spring 2016 after she and my father finalized their divorce. Ever since, yearly and nearly monthly, we have been receiving calls for my father from these companies at this address at our cell phone numbers and landline which have never been associated to his name. We have told the company on multiple occasions that we do not have contact with him and have no way of contacting him and it stops for a while and starts again. 

I do not have specific dates. Please just assume this happens on a monthly basis. 

I asked the agent for how they were getting my info and she told me she could not and would not divulge that to me.
Product: Credit card or prepaid card

Dear CFPB American Express Canceled my Business Platinum and other cards by falsely accusing me that i am sending altered documents. 

They asked me to send XXXX i did send after couple days they said IRS is closed send Bank statement and pay stub and i did send it. 


After couple days they canceled all my cards by falsely accusing me i sent altered documents which i did not. 


I spoke also with Supervisor XXXX XXXX in financial review XXXX Arizona and she also gave me robotic scripted answer that my only option is to reapply. 


This is just very wrong. they make up and falsely accuse you and close your account Please assist me to clear my name and reinstate my accounts. thank you
Product: Debt collection

They contacted me and identified the debt amounting to {$120.00} and I never received information to verify and validate the debt.
Product: Credit card or prepaid card

Hello, I filed a dispute with Synchrony Bank for a XXXX XXXX credit card statement item. I called ( I have the call recording ) as I had not received my new card. During that call, I asked about the status of my dispute. The agent on the phone told me my dispute was approved. 

Today, I receive a letter saying my claim was NOT approved, which is the opposite of what I was told over the phone. That is extremely dishonest. 

I expect them to pull the call and provide approval of the claim, as this is what they explicitly stated to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX received a positive result on one trade line. XXXX  did nothing wrong, it's just that the person that updated credit for Wells Fargo Dealer Services made the necessary correction on a very old credit trade line, and they did not complete the same result for XXXX. The trade line was paid off several years ago. The account was never late, yet the account is still posted on my XXXX report as 30-59 Days Past Due. This is causing me great problems on my credit scores with XXXX. I submitted a hard copy dispute several months ago, and Wells Fargo Dealer Services corrected the account with two out of three credit bureaus. I respectfully request XXXX  to complete another reinvestigation where Wells Fargo Dealer Services responds back accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX : XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Transunion, its United States affiliates ( collectively, Transunion, we, us, our ). I the consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Transunion services or websites. 
Transunion has 15 days to permanently delete and remove the following personal data from my consumer report and credit file. Transunion is not authorized to collect, use, sell, use and share the following personal data : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, DE XXXX Transunion must provide free copies of my consumer report, consumer disclosure and credit file reflecting updates in accordance with consumers instructions. Any authorized use of consumers personal data will not be tolerated. 
By sending Transunion this notice consumer does not waive any rights to take action against Transunion for any past or future violations of the law.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had four late payments on an account that I was in fat on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. 
If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

This company recently acquired a fairly old medical debt. Placed it back on my credit report to make it look more current and has called my phone number repeatedly for weeks. 

I have blocked them but they keep getting through to my number. I researched the owner of the company and he is an XXXX. I have XXXX relatives and I think I have been targeted. 

I want this to stop. 

A large portion of my debt is medical bills when had been previously removed from my report and suddenly in the last year they have been added back on. 

I didnt think this could be done.
Product: Checking or savings account

They charged ridiculous oops fees and closed one of my accounts
Product: Debt collection

Standander is stating i have a debt with them, regarding an auto loan.  I know they have the wrong person.  This is a family members debt with the same name has me.  This has happen a lot, and I tired to file a fraud paperwork but because the family member has taken out the debt and had it repo.  I don't have a lot of options.  When I call in to customer service, I give them my social and they can't pull up the debt.  I'm not sure what to do, but this had landed on my credit and I can't get an auto, or house loan, or any type of credit.
Product: Debt collection

I have sent this collection agency multiple letters asking for verification and they keep sending me letters thinking it is a credit repair company on my behalf. I do have proof of what they have sent me.
Product: Credit reporting or other personal consumer reports

I have identified several accounts that are negatively impacting my creditworthiness and financial stability. I believe that these accounts should be deleted.
Product: Debt collection

Midland credit management contacted me by phone and by mail numerous times attempting to collect money from me regarding a charged off XXXX XXXX account that I have never had. They have sent me a pre-legal notice on XX/XX/XXXX stating that legal action would be taken against me if I did not pay this accused debt. I responded to the letter asking for debt validation because I did not know who Midland Credit Management was. My letter clearly asks the company to provide me with written validation of a contract between them and I so that I could understand why they were demanding me to pay them, and they did not provide that. They instead sent in one envelope including one letter from MCM dated XX/XX/XXXX stating the company was uncertain of what I was disputing and a second letter from XXXX XXXX  dated XX/XX/XXXX stating that a credit card was cold to MCM. I contacted Midland Credit management via phone on XX/XX/XXXX and explained to them that I did not have a XXXX XXXX  account and they needed to stop reporting the the bureaus that I owed them. They agreed to cease and desist the account but refused to stop reporting to the agency even though they have failed to provide non-generic debt validation.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX - XXXX
Product: Checking or savings account

This complaint is against Citizens Bank of Rhode Island, regarding my checking account ending in XXXX, and an unauthorized E-Check number XXXX ( copy attached ), dated XX/XX/XXXX for {$9700.00} posted on XX/XX/XXXX for which they withdrew funds from my account to make payment to the unauthorized maker of the E-Check. On XX/XX/XXXX I discovered this fraud and Citizens acknowledged same on XX/XX/XXXX. For seven months I have been in constant contact by telephone and letter with Citizens, and they persist in refusing to restore the fraudulently disbursed funds. I filed a complaint through the Office of the Comptroller of the Currency ( complaint # XXXX - copy attached ) which Citizens has acknowledged, but failed to answer ( reference Citizens Letter of XX/XX/XXXX and my letter of XX/XX/XXXX ). Additionally, XXXX has failed to provide information relating to the identity theft that was perpetrated by the unauthorized maker of the E-Check ( reference my letter of XX/XX/XXXX ), Citizens responded with routine bank statements. Citizens has not complied with the requirements of 12 CFR Part 1005, they did not credit my account within 10 days of notification, and have taken longer than 90 days to complete their investigation. Additionally, Citizens has not complied with the FTC Fair Credit Reporting Act Section 609 ( e ) - copy attached. I respectfully request that CFPB direct them to comply with the law, inclusive of them paying me interest ( starting at XX/XX/XXXX paid at their prevailing personal loan rate ) since their gross failure to comply with the 10 day stipulation of the law has prevented me from using ( or investing ) my funds. I strongly suggest that CFPB also audit Citizens specific to compliance with " Regulation E '' as their customer service staff and management either do not have qualification or willingness to adhere to law.
Product: Credit card or prepaid card

I opened a credit card account with Victoria secret. At the beginning of the year i paid it off and requested to close but it proceeded to charge and also add on additional fees that Ive more than gladly paid for but i shouldnt have to because i tried closing the account. Why am i paying XXXX when i havent use the card in like a year
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, XXXX and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and XXXX appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation
Product: Debt collection

I went with my fiance to a car dealership and got a truck the next day he contacted the same person who wrote up my deal and got a truck for himself but in my name without my knowledge. He than got the truck repoed but it is now stuck on my credit report
Product: Mortgage

I contacted Mr. Cooper servicer of my mortgage for XXXX XXXX to inform them I would be 2 weeks late due to an emergency. They acted very concerned and offered me a forbearance which had to be for 3 months minimum and assured me there would be no fees, no penalties, negative credit reporting and I would have the choice to either pay the full amount in forbearance at the completion of the period, pay monthly amounts to bring the account current or add the due balance to the end of the mortgage period which would be extended depending on the total. I accepted. Within 2 days they reported the mortgage delinquent and I received bi monthly fees for inspection of the property, despite the promises made and agreements with the government. When I researched the internet I found this is the standard abuse for which they have been sued and were penalized and there is a class action law suit in Maryland. When I called to close the forbearance and assume regular mortgage payments I was told I had to either pay in full or surrender the title, they would sell the house at below price to expedite closing and they would demand the balance from the V.A. I refused and reminded them of the promises which they deny were made. However, I recorded all 4 phone calls and they clearly demonstrate beyond doubt they made the promises without conditions. They asked me to send an application and 2 documents to apply for relief which I did. They then asked for clarification but then discovered they were going forward with Foreclosure while pretending to be reviewing a solution which violates the court order intered by the company with the federal and state government promising not to foreclose while pretending to be reviewing a solution. I told the agents by phone and in writing about the court agreement obligating them to act in good faith but they just ignored it and said there is no prohibition. 
I have repeatedly requested they comply with the promises made and recorded but they ignore and say they never make such promises, just general comments. However, a lawyer, a retired judge and a retired prosecutor who listened to the 4 recordings say there is nothing ambiguous and the statements are clear and unequivocal. They also noticed the agent starting recording when she read the statements telling me they were offering me the forbearance, that I would get a letter in the mail. I recorded from the first hello to the last goodby because they advise callers the call will be recorded which gives me the legal right to do the same. I wonder the intention behind recording what is good for them and not what they promise customers. 
The number of demands, legal action and complaints make me wonder how such company can still be in business. 
I will also contact the Attorney General of Florida since they are part of the lawsuit which produced the consent agreement. I am also looking for lawyers to help pro bono and file a class action since I understand there are other homeowners in the same situation,
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX