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

Subject : Formal Request for Immediate Removal of Fraudulent Reinserted Accounts To Whom It May Concern, I am writing under the Fair Credit Reporting Act ( FCRA ) to dispute the reinsertion of fraudulent accounts into my credit report. These accounts were previously removed after being identified as the result of identity theft. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts information that was previously deleted, it is required to : 1. Notify me in writing within five ( 5 ) business days of the reinsertion. 2. Provide the certification from the data furnisher that substantiates the accuracy of the reinserted information. I have not received any such notification or supporting documentation regarding the legitimacy of the reinserted accounts. This failure to comply with the FCRA constitutes a violation of federal law. The following fraudulent account has been reinserted and must be permanently removed from my credit report : REINSERTED FRAUDULENT ACCOUNT : XXXXXXXX XXXX Account Number : XXXX The presence of this inaccurate information is causing significant harm to my credit profile and financial well-being. Furthermore, non-compliance with the FCRA exposes your agency to potential legal liability under 15 U.S.C. 1681n. To support my claim, I am enclosing the following documentation : 1. FTC Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX I am formally requesting written confirmation that this reinserted account has been permanently deleted from my credit report. Additionally, I expect to receive an updated copy of my credit report reflecting this correction. Should this matter not be resolved promptly, I will pursue all legal remedies available to protect my rights as a consumer.
Product: Checking or savings account

On XX/XX/2017 XXXX XXXX withdrew $XXXX from my acct at BECU after I used my debit card to sign up for a free one month trial that  I immediately canceled. 	 	From my BECU statement:
XXXX  POS Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Card Ending In XXXX	$XXXX	

This is the second time they have fraudulently charged me. And they have since, charged me the same amount every month in spite of:
1) I have asked BECU to block their access to my account.
2) XXXX acknowledges that I have never purchased anything or agreed to be charged for anything by them:
"email ----
from:	XXXX XXXX 
reply-to:	XXXX XXXX 
to:	XXXX
date:	Tue, XXXX XXXX, 2017 at XXXX XXXX
subject:	RE: [CASE:XXXX] Fraud
mailed-by:	XXXX
signed-by:	XXXX
security:	 Standard encryption (XXXX) Learn more
:	Important according to our magic sauce.
XXXX XXXX 
XX/XX/XXXX

to me

Hi XXXX,

Thank you for contacting XXXX Customer Care.

We understand that you have not purchased anything from our website and still your bank account is charged for $XXXX.

We have checked your account XXXX and unable to find any charges under your account. Hence we request you to let us know if you have any other registered email address with us so that we can investigate it further and help you better.

Please mention the case # XXXX in your future correspondence with regards to this query.

Regards,

XXXX XXXX

Customer Relations XXXX XXXX XXXX 

XXXX
This overseas company illegally withdraws and refuses to stop or acknowledge my attempts to contact them and my bank, BECU, aids them in this blatant theft. BECU refuses to stop this action in spite of numerous requests.
Product: Debt collection

I have mailed Wakefield and Associates and they still are furnishing this collection on my XXXX and XXXX XXXX reports. I never received any notification that this was being added to my credit report in which at that point I would have disputed the validity of the account and it would have never made it on my report. Addittionally I have disputed with them and they still have left it reporting on XXXX and XXXX for months. Also on XXXX they only have the account number listed and no contact information for who the Debt Furnisher is so I have to figure out it was them who reported to XXXX by noticing the same account number.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Subject : Formal Cease and Desist Request Under FDCPA Dear Midland Credit Management, This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account ( Account Number : XXXX ). I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 

Case law has affirmed my right to request the cessation of debt collection communications. In XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that a consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. 

Please be advised that failure to comply with this notice may result in further legal action. This could include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly. 

Sincerely, XXXX XXXX
Product: Mortgage

I had a fight with my mortgage company after XXXX about forced insurance. XXXX XXXX I didnt need it. They stopped taking my payments. Then they said they made a mistake. They offered to defer the loan to the end ( for the year we fought ) and lower the interest rate to 1 %. I asked about my second mortgage and I was told it was no longer an issue. I assumed discharged in XXXX and my paperwork through modification refers that to get the 1 % through Hamp. We settled. No bills for years. Then 9 years in I got statements showing a second mortgage then 10 years they liened me and threatened foreclosure. I showed them the prior loan servicer attorneys settlement with Me. The deferment. The 1 %. They replied he should not have done that then bank if New York and new service provider and I settled. I paid about XXXX. I fell behind in my primary mortgage who lost 5 cashiers checks. I reissued one and the other got found and sent a month later. I got an accounting showing a XXXX loan transfer fee? The letters kept raising the amount due. I sent them in and they credited me and sent a letter saying it was complicated. This was XXXX XXXXXXXX XXXX, both banks defrauded me. I have struggled badly, ended my marriage. Bank of New York and XXXX violated the statute and violated my settlement. XXXX XXXX  XXXX stole from me but then credited some back. Criminals. XXXX XXXX XXXX. I plan on suing
Product: Mortgage

I was denied my request to remove Private Mortgage Insurance ( PMI ) from my mortgage account. My initial request was unfairly denied, and I would like to provide additional context for your consideration. 

This year, I submitted multiple requests to have PMI removed from my mortgage account, as I believed that I had met the necessary requirements to do so. This was first done in XXXX of this year, as this was the 2 year mark of me owning the home. However, my request was denied due to a technical issue involving the first two mortgage payments, which I had missed. I want to clarify that these missed payments were not the result of my negligence or inability to make payments but rather a result of a mishap on the part of the mortgage institution. 

In XX/XX/2022, my mortgage was transferred to Truist. In XX/XX/2022, I was reviewing my bank statements and discovered that my auto-pay setup had not been properly transferred, which led to the missed payments. In prior instances when my mortgage had been transferred, I was notified well in advance and was able to be sure the payments continued, but Truist was unsuccessful in doing this. Immediately upon realizing this mistake, I contacted the Truist customer service department, and the representative I spoke with acknowledged that it was not my fault. She reassured me that such situations occur frequently and expressed empathy for my situation. She also let me know that it would have no bearing on my credit, yet now I'm being unfairly denied. I promptly paid the outstanding balance to rectify the situation, as I have always been committed to making timely mortgage payments. This was the first and only time I have ever missed a payment. 

Given the circumstances and the acknowledgement of the issue by the representative, I believe it is only fair to reconsider my eligibility for PMI removal and grant my request. I have been a responsible mortgage holder with a history of consistent and timely payments, and the missed payments were beyond my control. 

Furthermore, I would like to request a refund for the PMI premiums that have been charged to my account since XXXX, as I believe that I have met the criteria for PMI removal for that time. It is only fair that I receive this refund to reflect the accurate state of my mortgage account. 

I have been regularly communicating with Truist since my initial request in XXXX of this year, and they have taken months to respond, and have not been helpful in evaluating my request. I'd like to submit a formal complaint that I believe Truist is taking advantage of customers based off of their own technical mistakes, and an acknowledgment of a representative to that effect. 

Thank you for you help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX,
Product: Checking or savings account

Suntrust Bank sends payments to other address except where instructed on the site. 
Results have been late penalties and CASH IS MISSING from my account as erroneous check was cashed with no explanation. 
Suntrust is the most incompetent bank in the state. Very friendly at opening accounts and touting their excellent service. Don't believe it for a minute, you have to take a day off of work to deal with their 800 numbers and bad branch support.
Product: Checking or savings account

I opened my PNC account in XX/XX/XXXX. My account has been messed up from the beginning. They released payments to merchants I do not have an account with nor do I owe money to them. They paid frauds charges to merchants then took money from my savings without my consent placed it into my checking and released that money to fraud charges. I have filed many disputes in which they denied half the claims and the other there was supposed to be a credit that didnt show posted went back and did a reversal of payment basically charging me three times for fraud activity. I, made them aware from the first month. I had seven debit cards reissued each time the same problem happened. All of my savings were illegally transferred and spent on fraud charges this included my stimulus payments and income tax refund for state. I want my money back. I havent touched my account and from XXXX to XXXX over {$7000.00} was illegally removed from my account. Then the bank tried to manipulate me as if it were my problem claiming they wouldn't deal with me anymore when this was their fault. I opted out of overdraft protection it states on each monthly statement therefore they hasd no right to let fraud merchant charges ruin my account, transfer my savings to cover fraudulent charges then refuse to put my money back into the account. I have been without my card for a month since then XXXX was put into my account. I activated the card XX/XX/XXXX and the funds were gone again after going in personally and blocking these merchants they continued to release my money knowing it is fraud. You can tell by thew fact there is 20 charges a day by this merchant. I want my money refunded from the state as well as the fraudulent activity they allowed to occur on my account. You can see where it shows I did a transfer online and phone then it states funds transfer which shows it was on their end and for no reason when the account had money in it. I should have over XXXX in my account that is fraudulently gone and unexplaianable charges and transfers that were not authorized. I can tell it was premedatated by the fact the first months statement came with a notice stating fraud and warning the credit bureaus of my account as if they had this planned. Then told me that was the point of the account. No it is to save money and checking to pay bills. I know what my monthly bills are and never exceed my spending to the point where my savings had to be touched. Yet, the bank did this now I was robbed for all my government benefits and savings. This is fraud and swindles, a breach of contract and should not present insured by FDIC of {$250000.00} and then do not refund my account for theft by deception and fraud. I am livid and do not know who to contact to resolve this matter and get my money refunded as it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

checked my consumer report and noticed that there are fraudulent accounts on my consumer report. Those accounts are a Credit card with XXXX XXXX that is now closed with a amount of {$2100.00}. A personal loan that is closed and shows a late payment with XXXX XXXX for {$60.00}. There is a charge off collection with XXXX XXXX that was sold to XXXX XXXX on my Experian consumer report. I have never done business with this company. I have never done business with XXXX XXXX. XXXX has a collection on my XXXX consumer report. I have never done business with this company. I have the following fraudulent inquiries on XXXX. XXXX XXXX, XXXX, XXXX, XXXX And XXXX. These fraudulent accounts and inquiries has cause me financial injury. UPDATE, XXXX has places a collection on my consumer report for the company XXXX XXXX. This collection is fraudulent because i have never opened an account with XXXX XXXX XXXX, XXXX XXXX XXXX! This is not good faith Pursuant FCRA
Product: Credit card

I submitted an application for an American Express XXXX credit card based on an online offer for XXXX points after spending {$3000.00} in the first XXXX months ( see attached ). Instead, I received XXXX points. I contacted American Express several times about this, and they said the XXXX points offer had expired, even though that was the offer I saw and the reason I signed up for the card. Regardless, the offer shortly after I signed up for the card was for XXXX points after spending {$5000.00} in the first XXXX months ( see attached ). In addition, American Express took away XXXX points from my account without any explanation in XX/XX/2016 ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report from Equifax and notice various inaccurate accounts listed in the hard inquires section. As listed, these are the following allegations that were reported. XXXX XXXXXXXX XXXX XXXX  XXXX ( XX/XX/2017 ), XXXX XXXX ( XX/XX/2017 ), XXXX XXXX XXXX ( XX/XX/2017 ), XXXX XXXX, XXXX ( XX/XX/2017 ), XXXX ( XX/XX/2017 ), and XXXXXXXX XXXX ( XX/XX/2017 ). All the following hard inquires were not authorized by me and I not consent to these companies to use my personal information. I have tried many times to resolve this issue with by phone but never a successful outcome.
Product: Credit reporting or other personal consumer reports

I did not give consent to authorize my credit. This is identity theft.
Product: Credit reporting or other personal consumer reports

I found the following improper hard inquiries on my credit reports. Specifically, there are duplicate hard inquiries for pre-approved mortgages : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX There are duplicate hard inquiries for pre-approved car loans : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are unnecessary hard inquiries for pre-approved credit card applications : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act of 1970, the following companies have violated my rights by reporting inaccurate, or outdated information XXXX and XXXX Account XXXX XXXX. And XXXX are both the same thing, and they are debts obtained without my permission or knowledge. I moved out of XXXX with a {$0.00} balance and was owed my deposit, never received it. Was never contacted regarding balance owed, and {$6600.00} in fees accrued is ridiculous when I didnt even live there. 

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Paid in full, can not reach a representative to find full account number. 

XXXX XXXX XXXXXXXX Phone number : XXXX Paid in full and closed in XX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX {$930.00} - should not owe this debt from the insurance company. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Thank you for your time and hard work.
Product: Checking or savings account

I utilized the atm to make a deposit of both cash and checks on XXXX XXXX. The atm jammed and did not credit my deposit. I went into the branch and one of the representatives took my claim and phoned it in why I stood by. Being that no deposit slip was required I did not have a detailed list of my checks that I deposited but I did know about how much the majority of the checks and cash came to ( XXXX ). {$350.00} was a cash a deposit which I was most concerned about because how do you prove how much cash you put in the atm. I didn't understand why one of the representatives wouldn't go out to the atm and collect the jammed deposit. The representative told me that XXXX would have to come do that. I followed up on the claim that evening or the next day and was told it would be 10 business days to " investigate '' the claim. Several days later a temporary deposit was placed in my daughter 's checking account and not my savings account as directed by me. On XX/XX/XXXX I received an email that there was a correspondence in my chase app. When I found the letter it again was in my daughter 's account dated XX/XX/XXXX where I was notified that they were reducing my deposit by {$840.00}. There was no explanation as to why. When I called in a representative said they would ask but refused to call me back. She stated, " we are not allowed to call customers. '' I am beyond dumbfounded at how I have been treated throughout this whole process. Not one time has Chase bank ever called me or " investigated '' my claim. An investigation would have involved actually talking to me and not sending me generic emails. I requested from Chase all of the notes and what items were accepted as deposit and I am still waiting for their response. Any assistance you can provide will be greatly appreciated.
Product: Debt collection

Workmans comp case XXXX through XXXX XXXX and XXXX. Registered workmans comp with XXXX. XXXX, XXXX  XXXX. XXXX XXXX sent ceased and desist to XXXX XXXX XXXX 
Can be verified through XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX City/State/Zip XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX employee ID : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Unfortunately I was the victim of a scammer. I immediately sent documentation of what happened and proof that this fraudulent merchant did not provide the services she still charged me for and dishonestly refused to refund me appropriately. I was so upset this happened to me and felt violated after being taken advantage of and swindled. For unknown reasons American Express decided to agree with the merchant who blatantly lied and offered no proof of her false statement, which obviously contradicted the true facts of the situation that I had already provided. I feel so unsafe now knowing that I have no protection as an American Express customer who pays an annual fee to use this card. What they did to me is completely wrong. I do not deserve this.
Product: Vehicle loan or lease

On Several occasions, spanning between XX/XX/year>, I entered into consumer credit transactions with CHASE Auto, submitting credit applications with my social security number and autograph, creating value and a security interest as collateral security for the vehicle I desired and is my right to have. They accepted my security interest, but then discriminatorily denied me access to the account, due to a freeze on third party reporting agency websites that I have no contract or business with. The account was created and I have been denied consideration, due to unfair and unlawful use of a third party credit scoring system. They are in direct violation of the Federal Reserve Act, section 16:1-2, which states all notes are obligations of the United States and shall be receivable by ALL national and member banks and Federal reserve banks . They shall be redeemable in lawful money on demand at the Treasury Department of the United States. Any Federal Reserve Bank may make application to the local Federal Reserve for such amount of the Federal Reserve Notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender, to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve Notes thus applied for and ISSUED PURSUANT TO APPLICATION. The collateral thus offered shall be notes, drafts, etcThere is NO law REQUIRING me to be subject to or defined by a credit scoring system, nor a consumer report, to be able to access my own securities through any Federal Reserve Bank, National or Member Bank. 
CHASE BANK is actively committing securities fraud and are intentionally and knowingly keeping me from trading, although I have prepaid for the vehicle, thus says Federal Law and congress. I am extremely stressed about this whole experience. I have no way to make a living because of restriction of transportation. This has been very stressful and I have lost out on revenue due to this fraudulent activity on their behalf.