23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a follow up to the complainXXXX. 
I was informed yesterday that i need to to check the to the XXXX XXXX, XXXX XXXX /customer Services and they will endorse the XXXX check via the branch Endorsement code, and the both claim has been updated with that information which allows them to endorse the checks. 
After 4 hrs driving & waiting and the customer Service rep. ( XXXX XXXX XXXX XXXX ) informed me that they are not able to do this and requested inspection, which has been performed and order and the cost waied, along with other documentation. 
why?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following ITEMS as they are fraudulent & were opened without my consent or knowledge Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from alleged identity theft. I do not consent to XXXX or any means of automated verification. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Creditor name ( XXXX XXXX XXXX XXXX XXXX  ) reported incorrectly information which shown missing Months XXXX XXXX l. Have had thud company almost XXXX yrs. And l don't miss payments from company. I went and got printouts and the printout doesn't show missing payments XXXX or XX/XX/year> l disputed these months notice no update or changes completed which was Disputed online with XXXX and never fix my credit report which Never change on my report scores always in between XXXX even payments payed in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to the last two complaints that were submitted. After my initial complaint of incorrect information being reported as well as an ADDITIONAL INCORRECT ACCOUNT being added to my report, I now see that my report has been improperly updated as well. In my last complaint, I reported that a closed account from XXXX XXXX XXXX was added to my Equifax report in the amount of {$1800.00}. I have an open account with XXXX XXXX XXXX with a limit of {$600.00} that is open and in good standing, and that is NOT the account that I was disputing. Today, there was remark added to my report stating that I am disputing both of those accounts, which is NOT ACCURATE! I clearly stated that I was disputing the account in the amount of {$1800.00} that Equifax incompetently added to my report while investigating my initial demand to remove inaccurate accounts from my report. Equifax has now put my report at further risk of false reporting and damage as XXXX XXXX could potentially close the open account that has and is in good standing due to MORE ERRORS ON THE END OF EQUIFAX. Please refer to Dixon-Rollins v Experian Information Solutions U.S Dist Court Eastern District PA Case Number 09-0646 ... Memorandum Opinion, XXXX XXXX XXXX. False reporting, whether due to incompetence or any other circumstance, is a direct violation of 15 USC 1681b ( a ) ( 2 ) as shown in this judgment, as is punishable by fine on the end of the data furnisher. I am currently in the process of filing litigation against this company and will seek compensation for punitive damages. False reporting and inaccurate reporting is a direct violation of the law and my rights! It directly infringes upon my quality of life, and is unacceptable.
Product: Debt collection

Submit through the CFPB To Whom it may concern I have recently review a copy of my consumer report and have noticed that there is a collection furnish on my report that I know nothing about, nor am I sure that it is even my debt. The misinformation being furnished to my consumer report is negatively effecting my credit worthiness and may have substancial financial consquences for me and my future The debt being furnished on my consumer report reads as followed SW CRDT SYS ( Original Creditor : XXXX XXXX ) Account # : XXXX According to the Federal Laws governing debt collection and Credit Reporting FDCPA and the FCRA you have violated my consumer rights under the following 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 12 CFR 1006.34 ( d ) 15 USC 1681s-2 ( a ) Debt collectors are required to abide by these strict guidelines inorder to ensure the accurancy of the debts that they report and providing verification of the debt upon the request from a consumer I XXXX XXXX am formely requesting the following actions to be taken in regards to the incorrect debt being furnished on my consumer report XXXX - Provide me with detailed information about the ownership of the debt in question to include the account number, original creditor, and all documentation related to this debt to include your forward flow agreement between your company and the original creditor XXXX - Cease any and all collection activities in relation to this debt until the validation process is complete XXXX - Investigate the source of the error and promptly update my consumer report with the 100 % accurate information XXXX - Confirm in writing that this debt has been removed from my consumer report and that there will no longer be any attempts to collect on this debt I am urging your agency to comply with the above requested actions as it is mandated by Federal Law. So please do so inorder to prevent any potential legal consequences for non compliance.
Product: Payday loan, title loan, or personal loan

In XX/XX/2020, XXXX XXXX secured a finance loan on our behalf for windows and doors for {$13000.00}. The windows and doors were installed in XX/XX/2020. The finance company called to verify the installation went well and if they can began billing us. We told them no. That there were numerous issues and that all the windows and door needed to be taken out and replaced ( XXXX XXXX XXXX XXXX ). Service Finance company agreed and said they will continue to follow up. They did not bill us. They call every couple of weeks to ask. We told them the situation. We also asked them if they could follow up with XXXX XXXX. Time goes on and our windows and door are still not done. In XXXX, we received a letter from the finance company telling us that our 1st payment was due in XXXX. We called them and asked them how they can bill for a service that has not been completed? The representative told us that this has been going on over a 6 months and they paid XXXX XXXX so we need to pay them. She also said that since XXXX XXXX had installed the windows than it was our responsibility to pay even if it is not complete. I asked her why then have they not charged for the last six months when they repeatedly called and we told them the work was not done? She said all she can do is open the complaint but we need to pay the bill as they will mark it against our credit. So now we are stuck paying a monthly bill of {$170.00} for a service that has not been complete. We have not receive any communication regarding the complaint from the Finance Company.
Product: Payday loan, title loan, or personal loan

Applied and was approved for a loan in XXXX of 2022 for {$1000.00} of which I could withdraw funds as needed. However almost immediately they said they were having an issue with their website and I couldnt access funds. This continued for some time. At one point I could not make a payment and contacted them immediately and was allowed to miss it but would make it up at the end of the loan. They then took it from my account without my consent or knowledge causing me to overdraft right before XXXX. Still could not access my supposedly available funds and was no longer receiving communication from them. Then they just cut off my account access completely today.
Product: Mortgage

Myself and my partner applied for a mortgage loan with XXXX XXXX of XXXX XXXX XXXX. We disclosed all information regarding our personal life and financial state including that my partner is separated but not legal divorced. We continued on through the process including putting {$10000.00} in escrow to close and received the final clear to close and congratulations messages on XX/XX/year>. I moved all of my belongings and children to Florida from Georgia on XX/XX/year> anticipating our close date of XX/XX/year>. Once I arrived in Florida the following day we received a call from XXXX XXXX stating that my partners wife would need to sign off on the mortgage this was approximately 36 hours before closing. We were not made aware that this would be needed prior to receiving the clear to close. Ultimately we were not able to close due to the acknowledgement paper not being signed which has now caused us to lose {$10000.00} due to his negligence. We are now left in a situation where I have moved my family to Florida and now we have nowhere to go and have lost {$10000.00}. The lender has not be apologetic or even sympathetic.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account : XXXX XXXXXXXX Account Number : XXXX Please reinvestigate and provide evidence with statements showing that this payment was made late. If no evidence can be provided, I demand that this payment be brought up to date on time, as it should be, as I have NEVER been late. Thank you
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Data Breach and Request for Immediate Deletion of Credit Report Information Dear CFPB Representative, I am writing to formally file a complaint regarding a data breach that has compromised my personal and financial information. Due to this breach, my sensitive data has been exposed, putting me at risk for identity theft and fraudulent activity. As a result, I am requesting the immediate deletion of all information on my credit report to protect my financial security. 

I have reason to believe that my information was accessed without authorization, leading to inaccuracies and potential misuse of my credit profile. Given the severity of this breach, I demand that the credit bureaus permanently remove all data associated with my name and Social Security number from my credit report. 

I have attempted to resolve this issue directly with the credit reporting agencies, but I have not received a satisfactory response. This breach of my personal information has caused significant distress, and I seek immediate corrective action. 

Please investigate this matter promptly and ensure that my personal and financial data is safeguarded. I request a written response outlining the steps taken to address my concerns. 

If additional documentation is required, please inform me immediately. I appreciate your attention to this urgent matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I Called Chime Twice About My Money And no one did anything. I told them I was robbed leaving work and I do not keep any passwords on my phone because of my XXXX XXXX XXXX daughter. So I clearly tell them someone stole my work bag where I keep all my important documents in to keep up with them. I even told them I couldnt log into my account and they say they sent me a new card when I never received it. I told them that someone was changing the information on my account. Like I told them multiple time and plus my mothers dead XXXX XXXX how the XXXX can they let anything slide I even sent them a picture of my ID And job form for my badge paperwork. These people telling me where I stay when Im telling them on my ID you clearly see it say XXXX XXXX XXXX XXXX XXXX I been staying In this House Almost my whole life. And I been banking with chime for too long. And this is not the first this happened where someone takes all my money from a bank I thought was safe for me but clearly I was wrong. And Its Like You Guys Do Not Care About My money. Like If I Was A White women my issues would have been resolved in no time and I know this but us being XXXX you guys think everyone of us lie, steal, or not work. But I do because I take care of my little siblings. I worked hard for all my money and for you guys to let that slide 3 times is crazy
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$800.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$300.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$1200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$960.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$880.00} Needs Attention Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Collection account. {$530.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$300.00} Status Collection account. {$300.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$960.00} Status Collection account. XXXX  Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit report closely and noticed that you guys placed a CLOSED account on my report without my consent!! Firstly, I applied for a credit card, and was not happy with the credit limit, so I immediately contacted XXXX XXXX to cancel the account. I HAVE NEVER RECEIVED ANY CARD OR USED IT ONCE! !. They told me when I contacted them that it would not be reported on my credit profile since I never activated the account!! Yet YOU are reporting it. Account : XXXX XXXXXXXX XXXX Also the companies have violated my rights several times under 15 USC 1681.

According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

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

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.C. SYSTEM Inc. a third part debt collector for XXXX XXXX XXXX is reporting two collection accounts on my credit bureau. 

1. Both collection accounts are for the exact same amount {$260.00} 2. Both collection accounts are for XXXX XXXX XXXX XXXX 3. Both collection accounts are dated XXXX XXXX, 2017 4. I do n't owe XXXX XXXX XXXX XXXX 5. I had XXXX XXXX XXXX XXXX 5 years ago 6. No one will provide any contract or proof I owe this debt. 

These two incorrect collections accounts for the same amount have destroyed my credit score.
Product: Debt collection

On XX/XX/XXXX I returned a trombone that I leased from XXXX XXXX, in which I received a written receipt stating " bad debt-returned ''. I then called and spoke with a representative from XXXX XXXX ( the collection agency ) to clear the debt from my credit that was opened XX/XX/XXXX. At this point the representative informed me that the balance of the debt was over {$1600.00} ; however the amount reflected on my credit report is {$1400.00}. I was also given another amount in a letter that was sent out XX/XX/XXXX which was {$1500.00}. The representative then went on to tell me that I should have kept the instrument and had I called prior he would have advised me to do so, stating I have to submit payment to have it removed. He stated that I need to pay the amount that I see on my report and that the letter. I let him know that I had proof the instrument was returned and he said it would still have to be paid. I spoke with XXXX XXXX and was informed that they have done their part and that the collection agency has done this previously. I took it upon myself to resolve my debt with XXXX XXXX in good faith by returning the instrument and calling to have this debt cleared and was professionally bullied for payment instead.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am writing to formally dispute the validity of the debt you claim I owe, which amounts to {$6100.00}. I recently received a communication from your office regarding this debt, but I do not recognize this debt and believe that it is the result of identity theft. 

As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following documentation : Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement. 
Detailed records showing the origin of the debt and the account history. 
Any documentation proving that the debt is valid and that you have the authority to collect it. 
Please cease all collection activities until you provide the requested proof. If you are unable to provide the necessary documentation, I request that you remove this debt from my records and cease further communication regarding this matter. 

Please confirm receipt of this letter and provide the requested information at your earliest convenience. You may contact me via mail at the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I recently payed off XXXX my loans with Sallie Mae. I went online to access my account. I selected the loan I wanted to pay off and payed the loan off completely. I received a receipt as well as information showing my account was at a XXXX balance. A few days later my account shows that I have an outstanding balance. Upon calling in I was asked whether or not I payed off my account online or over the phone. The agent informed me that Sallie Mae has no way of displaying the full payoff amount for my loan unless I call in. When I asked her why online would display something different than the actual payoff amount she stated that the system does not allow them to show the payoff amount because that I accrue interest daily for my loans. It does n't make sense for me to pay daily for interest when I have a set interest rate that I am suppose to be paying monthly for interest. This was something I was not aware of. When I asked her how much interest daily am I being charged on my loans her answer was anywhere from {$1.00} to {$2.00} a day on top of the amount owed. How is anyone ever suppose to pay off their loans accruing interest to that magnitude. Whenever I have payed a balance off with any financial institution the amount on the statement was the payoff amount. As long as this amount was paid by the due date no other money was owed. This is not fair and is ripping individuals like myself off. That means even when I pay the statement off I will always be charged for interest for however many days has passed. There is not a day where I am not accruing interest.
Product: Money transfer, virtual currency, or money service

I have an account with PayPal, have had for several years, and usually for purchases over {$200.00} they offer a 6 month interest free option. I have several charges with them some that are on longer terms, but one charge that I made was in XX/XX/XXXX for an amount of {$2500.00} on a 6 month interest free plan. They send me a statement every month that shows what my minimum due is to avoid any interest charges, which I have always paid and paid twice as much, so they can apply any excess to the amount mentioned above. This amount now has an expiration of XX/XX/XXXX, and they have not applied a XXXX of my excess payments to this amount. When I call them they say that what they bill me for is the monthly payments that have to be paid first, but then why are they not applying anything to the largest amount, and one that is also on a promotional period? I believe it is a very unfair practice and now I am stuck with having to pay a larger amount at once. It defeats the purpose of having an interest free pay plan. Besides why would they apply the excess payments to amounts that still have 10 more months to go? Is there any help you can provide? Thanks. My name is XXXX XXXX.
Product: Bank account or service

On XXXX XXXX I deposited a check in the amount of {$11000.00} to my personal account in Chase Manhattan Bank. It was my own check from my other own personal account in XXXX XXXX XXXX. 
On XXXX XXXX ( XXXX days later ) I receive a letter stating that the funds were withheld because " this deposit is not consistent with the account 's normal deposit activity ''. The letter also says that the money will be held until XXXX/XXXX/2015. 
I do n't understand why the operation takes XXXX days to perform. Especially considering that the money is not in my XXXX XXXX XXXX 's " origin '' account since XXXX XXXX. 
Plus : 1. It is an operation from my account in XXXX bank to my account in another bank. 
2. I do n't think the reason about my " not normal deposit patterns '' is valid ( if it was my " withdrawal '' patterns, I can understand, but making a deposit into my own account? ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided proof many times that I was out of the country and an unknown third party took out many accounts in my name without my knowledge or consent. Despite this, XXXX XXXX XXXX illegally posted an old account that does not belong to me on my credit again to attempt to extort money from me.