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

I have submitted 4 times certified letters to the bureau to investigate my inaccuracies on my credit report in regards to unverified accounts that are severely damageing as we are trying to buy our first home and can not get a loan with the unverified accounts. As a result of our letters to the bureau they keep writing back that they have verified the accounts in question but have provided no proof as I have demand to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts which According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and to show proof of verification. The Bureau sent letter back saying all was verified but they didn't provide how and proof of any signature from me on any contract with the company in question. why cant they show the proof? 

The last letter we sent which was dated XX/XX/20. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

The Bureau wrote back they have verified but again no proof of anything. 

XXXX wrote us a letter back saying we were correct as they could not verify the accounts and promptly deleted them. So i am asking Experian to do the same here. 

So once again we are submitting a letter in mail today XX/XX/20 to Experian to verify see copy below. And a copy to the XXXX.
Product: Credit reporting or other personal consumer reports

Hi, I am XXXX XXXX XXXX I checked my Transunion Report back in XX/XX/2023 and I had a collections from XXXX XXXX, a business I have never engaged with. I sent XXXX XXXX  a validation of the alleged debt request XX/XX/2023 and within XXXX week of receiving my green return receipt I seen that XXXX XXXX  was removed from my report. I have also sent XXXX XXXX an Affadavit of Facts and an Invoice for them to pay dated XX/XX/2023. Tracking numbers for all : XXXX, XXXX, and XXXX.
Product: Checking or savings account

Dear Towne Bank I am filing a formal complaint regarding a clear case of XXXX discrimination at the TowneBank XXXX XXXXXXXX location, specifically involving VP Branch Manager XXXX XXXX. Her actions demonstrate bias and unfair treatment toward XXXX customers, and I request a full investigation into her conduct and TowneBanks banking practices. 

On XX/XX/XXXX, I visited the TowneBank XXXX XXXXXXXX location to withdraw {$870.00} from my account, which had been open since XX/XX/XXXX. Later that same morning, I attempted to use my debit card, only to find that my account had been closed without prior notice or warning. Upon calling the bank for an explanation, XXXX XXXX cited recent activity as the reason for closing my account. However, this reasoning was vague and fails to account for the fact that I had consistently deposited over {$10000.00} into my account in the past 30 days through both direct deposits and cash. 

Additionally, my account was not negative at the time of the closure. I had always followed TowneBanks policies, including enrolling in the discretionary overdraft program, which allows for overdrafts to be covered at the banks discretion if my balance was insufficient at the time of a transaction. TowneBank had previously covered overdrafts on my account under this program without issue, so there was no reason to abruptly close my account when I followed all terms of the program. 

Given that my account was not negative at the time of closure, and I had made significant deposits within the last 30 days, XXXX decision to close my account is unjustified. Furthermore, her vague justificationciting recent activitydoes not hold up when viewed in light of my accounts recent history and the banks own policies. 

When I attempted to speak with XXXX directly at the branch, she avoided me entirely and failed to provide any legitimate explanation for her actions. This treatment feels discriminatory, especially considering that XXXX  customers with similar account statuses and activity are not subjected to such actions. 

I believe TowneBank has failed to uphold its stated policies and allowed XXXX bias to influence its decisions. XXXX XXXX actions suggest a pattern of discriminatory treatment that goes against the principles of fair and equal service. I demand a full investigation into TowneBanks discretionary overdraft policy, how it is applied to XXXX customers, and specifically into how many XXXX customers may have had their accounts closed under similar vague justifications. 

It is critical that TowneBank address these practices to ensure fair and equitable treatment for all customers, regardless of XXXX. I urge you to take immediate action, including investigating the conduct of XXXX XXXX and her role in this unjust treatment. Please inform me of the steps TowneBank will take to rectify this situation and prevent future discrimination. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act, WELLS FARGO DEALER SVC Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 : States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer cant furnish my account without written consent. 

15 USC 1666B : A creditor may not a payment on a credit card account XXXX an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom this may concern, I have two false accounts that do not belong to me and need to be taking off my XXXX  account immediately please. 

1. American Honda Finances XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/2017 Both of the accounts are on a closed status.These do not belong to me. This is effecting my credit tremendously and needs to be dealt with as soon as possible please. 



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

This tradeline needs to be removed. A JUDGE declared iM Court that I am no longer responsible for this account. This was orginally a victoria secret account, then sold to XXXX XXXX and then to commentity bank. It was dismissed making me no longer liable for account
Product: Mortgage

I reached out to the company to see if I can apply for the forbearance plan. They told me that I have 2 send my 2 most recent pay stubs and my bank statements. I ask them why I need it to do all that when I have friends and family members where they helped them without any hassle. I have a second mortgage and they did help me twice without the need of my pay stubs or bank statements. They send me a copy with pictures of my home and houses around the area of what they are worth. I called them and asked them what this was about and I felt like I did not get a correct answer. I feel like that's kind off creepy and weird of them doing that. I feel like they are trying to intimidate me on foreclosuring my house. I have reached out to my case XXXX and have not heard from him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became aware of several inquiries on my credit reports. I discovered that a previous tenant of mine had fraudulently acquired and used my personal information to obtain credit while he lived with me. I contacted the police and due to a recent outbreak of XXXXXX/XX/XXXXand XX/XX/XXXX XXXX in my city they were unresponsive and advised me to take the matter to civil court and because the tenant had moved to another state there wasn't anything they could do.XX/XX/XXXX promptly and professionally removed the inquiries in question but Equifax and XX/XX/XXXX have refused to do so, telling me that hard inquiries can not be removed unless there is a police report. I will gladly list the inquiries that were done fraudulently for both Equifax and XX/XX/XXXX individually if they contact me so I can list them. 
Additionally, Equifax just lowered my credit score 57 points with no new negative information being listed as the reason. I will attach a copy I obtained showing the drop and the " reasons '' they have done so. 
I am now not able to obtain credit and am in need of a new roof for my house ASAP.
Product: Checking or savings account

Bank of America I filled a fraud on my account on XX/XX/2014 bank America claimed no fraud was committed they claimed I reported claim on XX/XX/XXXX on my XXXX XXXX and lied about amount n questions which was XXXX they told XXXX XXXXXXXX I owe them XXXX and XXXX XXXX told me I needed to have XXXX to clear account with them not being able to open account go letter which is dated on top XX/XX/2014 but saying XX/XX/XXXX in question clearly a fraudulent act on bank America and XXXX XXXX see it's my right to a fair report and it's not they have a fraud under my name and can't open bank account or get credit card I have XXXX credit can't get card cause of them if name not cleared will seek legal action as it say I can n fcra act it let me attach only two items the date on top on page saying XX/XX/2014 camara phone didn't get would not let take third pic
Product: Checking or savings account

At XXXX on XX/XX/XXXX XXXX XXXX XXXX, my purse was stolen off of the dinner table at XXXX XXXX XXXX XXXX front of my eyes. I immediately cancelled debit and credit cards with four banks ; XXXX XXXX, XXXX XXXX, XXXX and Sofi. I received emails for all banks except Sofi confirming the cards were frozen and/or cancelled. I called Sofi general customer service line and the representative affirmed that the card had been frozen. I asked for an email confirmation and they said they are not authorized to do that. 

Later in the evening, five transactions went through on that Sofi account. I called customer service was was told that those transactions were all denied and that my card was frozen. 

On XX/XX/XXXX those five transactions were posted totaling {$650.00}. All other banks called, texted, and emailed be each time the cards were attempted to be used to communicate that they had blocked the charges and to ask me to authorize them or not. Sofi continued to allow the charges to go through. 

I have now spoken to seven Sofi representatives to dispute the charges. They will not give me a case number or any email confirmation or information in writing that I have filed disputes. They say they are not authorized to do that. They state that they have replaced my card but not frozen them. They state that they will work with the merchants of each of the charges to see if the can recover any funds. Each charge 'merchant ' is listed as a generic card reader. They stated they would send me an email in 10 days. They are giving me no evidence or proof that I have ever called, cancelled, or filed a dispute.
Product: Credit reporting or other personal consumer reports

There are 3 different dates reported under date of last activity, last verified, date reported, date opened, closed date, high balance, last payment and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? Delete for inaccuracy. Delete accounts immediately due to violating my consumer rights under the Federal Credit Reporting Act law 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I have submitted several disputes for the past year regarding inaccurate information on my credit report and the credit bureaus have failed to conduct a proper investigation to correct the inaccurate information on my credit report. The credit bureaus have violated my consumer rights and have not taken my disputes seriously. Every account listed in the attached credit report is inaccurate. DELETE IMMEDIATELY DUE TO INACCURACY. I have attached my credit report from XX/XX/year> with all the inaccuracies highlighted. This complaint serves as my dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

USAA Bank has notified members they will be 'retiring ' their remote deposit service known as Deposit @ home that allows members to scan a check and submit it for deposit via a computer. They now say we must use a mobile phone or USPS mail neither of which is as secure as the current method. They also say we can use an ATM, but there are few that accept deposits and those are not convenient. 

The Deposit @ Home program must NOT be dropped.
Product: Credit card or prepaid card

I purchased a pre paid debit card from Netspend. I put XXXX XXXX onto the card at the local retail store. When I tried to activate the card Netspend wanted a copy of my social security card, a copy of my drivers license, and a copy of a bill with my home address on it. I do not feel comfortable giving them that kind of information. My real bank account did not ask me for that kind of information. I contacted the card company asking for a refund since I did not agree with their terms of service. I contacted their help phone line numerous times with out resolution. I was working with XXXX  via email without resolution. The company said if I want a refund I have to upload my social security info. The company has since locked my card and is refusing a refund or a release of my funds thru activation
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Grow Credit , Inc. has violated numerous consumer privacy rights, causing damage of reputation in the business community, and actual damage denied extensions of credit from multiple lending institutions. Dodd frank act, graham leach biley act, family act, facta act, 1974 privacy act, whereas giving no rise to a cause of action, all are instrumental in emphasizing, consumers right to privacy in their personal business transactions. Violations of the fcra, including but not limited to 15 UScode1681 ( 3 ), agencies have no authority, in law, and have a assumed a position of authority, in consumers personal affairs. 15 usc 1681 ( 2 ) ( A ), 15 US code 1681b ( a ) ( 2 ),, agencies can not furnish an account without my written instructions. 15 us code 1681n, civil liability for willful non-compliance, 15 us code 6802 Lender actions have led to defamation of character, violation of due process laws/trespass, emotional distress, and discriminatory denial of credit in violation, of the Equal opportunities credit act. Any and all reporting without my verification/validation, is thus hearsay, reporting of such tradelines, as if accurate, with no such evidence of, major violation of this states False claims act. Reporting/furnishing to agency of no authority, and without my written consent is thus ulta-vires, criminal, RICO crimes, / aggravated identity theft, seeking unjust enrichment. I have attempted to remedy, said violations, written and verbal, no relief granted.
Product: Debt collection

I checked my credit report in XXXX 2016, and noticed a collection account from IC Systems in the amount of XXXX, I have since found out that they are stating I owe for XXXX, I explained to them that I have never had an XXXX account and would like it removed from my credit report, I was never contacted by anyone in regards to this supposed account, and since the request I have not heard anything either. I have sent XXXX letters as well as emailed the company directly with no response.
Product: Payday loan, title loan, or personal loan

My last payment was made  XXXX   XXXX . I am late on my  XXXX  and now my  XXXX  payment. I am not 60 days late yet.     They will not stop calling me and are also calling during work hours. They will not accept any payment arrangement unless I come in. They are an hour away. If I come in during their business hours I am going to hav e to drive and   XXXX   ( t his cost money ) and it will not make money magically appear in my hand to pay their bill.     I have tried to tell them I get paid on the  XXXX  and will pay the bill then and they will not accept that and are harassing me daily while at work. Again this is not even 60 days late and I am being harassed daily.
Product: Mortgage

Ocwen canceled my mortgage debt in the amount of {$490000.00} They sent me copy of the XXXX which I placed on my tax return and caused me to owe taxes. 

I applied for a modification with Ocwen in XX/XX/2016 at the begginning of my foreclosure case. I informed Ocwen since they canceled part of my mortgage for {$490000.00} that the modification should only be on the amount of {$350.00} and not on the original amount of my debt. 

Ocwen refuses to acknowledge or deny the cancellation of debt. Ocwen obtained the benefit of the tax write off when they send the Internal Revenue Service a XXXX and caused a taxable event to be attributed to my personal taxes. It is unfair that they are able to obtain a tax credit and still try to get me to pay the full amount of the original debt which they partially wrote off.
Product: Debt collection

XX/XX/18, received a collection notice from IC System stating I owe {$720.00} to XXXX XXXX XXXX XXXX, a company I haven't had an account with for two years. I called XXXX and they confirmed that I voluntarily canceled my account and my last statement when I canceled was for - {$0.00}. They confirmed that I do not owe them any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX  ) shows me my FICO Score, which is XXXX and gives me a list of " Key factors affecting your FICO Score. '' One of the factors listed is " Too many accounts with balances, '' but I only have one credit card  account. I was told on the XXXX site that " if [ I ] find inaccurate information that may have affected [ my ] score, [ I ] can dispute [ my ] TransUnion credit report at www.transunion.com or call TransUnion at XXXX. '' I called TransUnion and they verified I only have one XXXX  credit card account, and therefore the FICO factor affecting my score must be erroneous. But they wouldn't tell me how to fix the problem and the customer servicer representative wouldn't allow me to speak to a manager. They said they would include a consumer complaint note in my file and that maybe someone could fix it, but that they weren't authorized to change my score, which didn't make sense. They also told me the problem was with XXXX, but XXXX says the problem is with TransUnion. I also tried to find a way to contact FICO but couldn't find a way. 

How am I supposed to fix the problem? I don't want my credit score to be lower than it should be, and I don't know how to point out errors or to whom I am supposed to point out those errors, and I don't know who is responsible for fixing the problem.
Product: Debt collection

Midland Credit Management has placed a collection on my credit profile claiming that I owe {$490.00} to XXXX XXXX. I've never had an account with them nor do I owe any amount to that company. On XX/XX/XXXX, Midland Credit Management claimed that they notified the credit bureaus to cease reflecting the collection tradeline on my consumer credit files. Midland Credit Management lied about that. This frivolous collection still remains on my XXXX  credit report.
Product: Mortgage

This is in addition to complaint # XXXX against OCWEN Loan Servicing LLC . They have just sent me a letter threatening foreclosure on my home if I do n't pay a disputed accounting failure on their part. No specific date or month of the bill was mentioned ... .absolutely no specifics were mentioned just an extortionate threat to pay. I would gladly pay my bill only if they ( OCWEN ) could provide a definite hard copy bill of month and year in question .So far they have sent computer print outs with numerous omissions ... .I have signed up for their payment conformation program and they have not sent me a conformation in 3 months. This is a unscrupulous company running out side of the USA ripping off and strong arming / exhorting millions from it 's clients.
Product: Checking or savings account

Prior to XX/XX/XXXX I was told that I would be given funds sent to my Navy Federal Account from a friend. However, the friend was scamming me throughout the entire process. She had me move the money around from my account to her account. This made it look as though I was the scammer. Once, I figured it out, she already had a claim out against me as though I was the scammer. The claim was in her favor and I now owe Navy Federal 5,000 dollars. I had great relation with this bank. I have two credit cards that I intend to be consistent with. However, all accounts are now froze.
Product: Debt collection

I have requested documents from the bureaus, and I have not received anything! Concerning these accounts
Product: Mortgage

Emails dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX have been sent to XXXX. Submission of each email has generated 3 separate acknowledgement emails advising that XXXX received my emails and would respond shortly. To date, NO RESPONSE HAS BEEN RECEIVED for ANY of these emails! Multiple calls have been placed to XXXX to follow up. Each time I have been instructed to submit another email. My loan to value has dropped below 80 % and therefore my PMI can be cancelled. Each of these requests to have the PMI cancelled has been ignored! Customer service for this company might as well not exist! There is no service!