23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I initially did a CFPB complaint in XX/XX/XXXX. Prior to doing so, I have disputed the orignal creditor : XXXXXXXX XXXX  with the CRA 's and this account was removed due to identity theft. Portfolion Recovery Associates aka PRA are in direct violation of the FDCPA as this account with XXXX XXXXXXXX was not verified and removed from the CRA 's. There are no inquiries on my credit reports from XXXX XXXX 

The Consumer Financial Protection Bureau ( CFPB ) also took action in XX/XX/XXXX against Portfolio Recovery Associates for violating a XXXX CFPB order and engaging in other violations of law. 

Portfolio Recovery Associates are also in direct violation of the FRCA by furnishing information to CRAs that it knew or reasonably should have known was inaccurate, including failing to furnish accurate information with me previously disputing the credit one accounts with the CRA 's as identity theft and had these items deleted.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Re : XXXX Axos letter dated XX/XX/2022, in response to the CFPB complaint, wherein they mentioned that funds ( {$5000.00} ) will be remitted directly to the institution ( XXXXXXXX XXXX  ) no sooner than 60 calendar days from when the funds were credited to my Axos account ( ACH transfer received by Axos on XX/XX/2022 ). So, 60 calendar days would be XX/XX/2022. 

Kindly arrange to have the funds returned accordingly.
Product: Mortgage

I have been having a issue with Flagstar Bank with my escrow account. I have spoken, and chatted with them ( I have copies ) 5 times since XX/XX/XXXX. On XX/XX/XXXX they deducted {$1600.00} from my escrow account to pay my property taxes. On XX/XX/XXXX I downloaded a copy of the receipt showing Flagstar paid in the amount of {$1500.00}. 
Please note that when I received my trim notice last year from the county, it showed that {$1500.00} was the amount due if paid in XX/XX/XXXX, and if paid in XX/XX/XXXX the amount due would be {$1600.00}. 
On the 4th call on XXXX XX/XX/XXXX, the young lady I chatted with finally understood what my complaint was. She filed a case # XXXX. I have a XXXX  document with the entire chat because Flagstar told me they do not have the technology to send me a copy of the chat. Today I chatted with them again because I have not heard anything. I was told that the case was closed on XX/XX/XXXX and they do not owe me the delta. I never received notification of this. When I asked why, I was told that no notification information was given. I'm trying to be nice, BUT when you apply for a mortgage they have all your information! They send me a notice monthly when my payment is due, even though I have it set on autopay. 
Long story short, they took {$65.00} more out of my escrow account than they paid to my county. I have never dealt with such an inept bank in my XXXX  years. 
Another bad point, I wonder how many other senior citizens they have done this to. 

So I am writing to you asking for your assistance. I do not want to pay a lawyer to get my money back. 

I would really like to have my mortgage with a company I can trust, but I'm not going to pay to " refinance ''. What do you suggest. 

Also, because of this overpayment, my Form 1098 is incorrect. Also my annual escrow analysis is incorrect, and they wanted me to send them {$150.00} for my escrow shortage. I did not send it, thereby my Mortgage increase by XXXX, which would have been lower had they not over deducted from my escrow account. 

Please note that the XXXX  County Tax office told me that they received the payment from XXXX XXXX. an escrow payment company. I asked Flagstar for XXXX XXXX phone number, but they would not give it to me, nor the address.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

Not only am I paying an unreasonable interest rate, but, I requested months ago that my payment be moved from the first of the month to the end of the month. I even sent in a form requesting this in writing, this was never done. Since that time, I have been charged late fees and DAILY simple interest. This has inflated the principal owed to an unmanageable level. I have paid faithfully on this vehicle for five years.
Product: Debt collection

I have no idea if this is even legitimate, my bankruptcy attorney told me this could be a scam. American Credit Adjusters keeps calling me saying I owe a debt to XXXX XXXX, and I 've committed check fraud. I do n't have a clue what this is, and if it was legitimately mine, it was in my bankruptcy filing.
Product: Credit reporting or other personal consumer reports

I am challenging you to review your data on file for me! I insist that all inaccuracies or deficiencies of reporting be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! 

I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report. 

My most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am extremely disappointed that the information you have provided is not accurate and does not meet the minimum standards for credit reporting. I demand that this be fixed immediately or else I will take legal action. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. I have attached my dispute and have thoroughly explained in detail the violations that has been unjustly taken against me and have violated my rights while destroying my credit and making my financial situation unbearably difficult to live and financially survive.
Product: Debt collection

This company added to credit report XXXX/XXXX/2016 and shows placed for collection on XXXX/XXXX/16. I have also never heard from this company and when I tried to contact them I have not heard anything back. I have never received any correspondent from this company to know I had a debt with them. I filed bankruptcy with XXXX and not this debt collector because I did not know anything about them.
Product: Credit card or prepaid card

received us bank reliacard which I never requested. 

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

A bankruptcy is not allowed on my credit report after file date for more than 10 years. This is wrongful hurt to an individual when they allow it to stay on longer. Experian will not remove even though the other 2 credit reporting agencies did. This is vengeful on their part and Im not going to allow it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Money transfer, virtual currency, or money service

Today XX/XX/2023 I received 2 cash app payments from a family member which were sent to a account that wasn't mine. 
XX/XX/23 between XXXX XXXX and XXXX XXXX in the amounts of {$20.00} and {$360.00}, I filed a dispute quickly but cash app refuses to refund money that was cash out to an account that was closed. I just want the money refunded because it was obviously stolen.
Product: Credit reporting or other personal consumer reports

I had pulled my credit and seen this in collections I had no idea where it came from. I have not opened any accounts nor could I due to me filing bankruptcy. I moved to XXXX in XXXX and my credit was pulled for a place. At this time there was no open accounts at all. This just shows up out of no where. I asked for information showing it was my account and the company could not provide me anything. I want this removed from my credit. It is not my account. They can't prove its mine and it is not my account. I am asking it to be removed.
Product: Money transfer, virtual currency, or money service

Your withdrawal has been canceled Withdraw Again Your withdrawal for XXXX BTC to XXXX has been canceled for the following reason : You currently only have XXXX BTC available ( {$0.00} ). 

If applicable, please make necessary adjustments and try again.THIS IS WHAT I HAVE Available Qty XXXX of bitcoin Balance XXXX i tried to withdraw the funds today XX/XX/2021 this is the second complaint with this company
Product: Credit card

I went to the gas XXXX store where the atms are fee free for their institution, as I went to withdraw money from my account the power in the store went out and so did the power to the ATM. The ATM power cut right before dispensing my money in the amount of {$460.00}. No money, no receipt. I called the institution as well as the ATM customer service line and made a report. This took place XXXX  days before XXXX an it's almost XXXX XXXX and nothing still. I've been consistent in following up just for every single XXXX of the customer service representatives to tell me something different every time. Even a couple of supervisors I spoke with explained told me that the time alotted for the merchant to respond is already expired I still have not received any updates. I was also informed that under regulation XXXX, I was not able to receive a temporary credit during my dispute although the way my account is set up it automatically transfers my payroll deposit into my credit builder they look at like a cash advance although it's a payroll deposit so there's no security there and I highly would not suggest enrollment if you want to save yourself a headache. The customer support is very uninformitve and basically read of script and generally tell you what they think you want to hear just to get you off the phone. Dispute is still ongoing although being told merchant time is already expired but the resolution team has yet to respond. XXXX plus days now. All supporting documents and evidence has been sent to support my claim and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I, Mr. XXXX pulled my credit report thru XXXX and after I went over I found out THREE accounts on it that I did not recognize. I started to do my own research with a friend of mine that I know he went into a similar situation and on XX/XX/2020, I went to filed an Identity Theft Police Report, on XX/XX/2020, I started my first dispute, after the second dispute, the other accounts were removed from my report ; as of todays date I have submitted my documents to the Credit Bureaus three times ; so, I am now taking an extra step to remove an alleged account with XXXX that is repeating TWICE on my XXXX  and EQUIFAX credit report. For reference, I am attaching a copy of my last dispute. This account is not mine and it is affecting me very much, I really hope that this time this account will be off from my report.
Product: Debt collection

Hello, I reported Cascade Receivables Management to you earlier this year about debt they're trying to collect on behalf of XXXX XXXX XXXX XXXX. At that time, I was told that they had discharged the debt from my accounts since I'd never received any bills or past-due notices for these hospital charges. Once again this weekend, I received yet another attempt from them to collect more debt, which is more than three years after I was hospitalized. So, this is abuse in my opinion, and I would appreciate your taking action to make them CEASE and DESIST any and all collection attempts for anyone related to the XXXX XXXX XXXX. Thank you.
Product: Checking or savings account

To Whom This XXXX Concern, Some time in the summer of XX/XX/XXXXmy checking account was compromised with Bank of America. I called BOA to let them know about the fraudulent activity they then closed my account and have now seem to have blacklisted me from doing business with them. I am the owner of a business, which does have a business bank account with BOA, but it is under my wifes name. In order for me to XXXX in my business and life in general, I need to have access to the account. I ljust dont understand how I was penalized when I reported the fraud as an honest individual should. I would like your assistance on getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 major financial was removed off of my equifax credit report by equifax. This same thing happened with XXXX they have since put it back on. I have spoken to major financial they said they did not tell anyone to remove so it was done so without my or there authorization.
Product: Prepaid card

Hello! 
My name is XXXX XXXX and I put in a complaint with Direct Express where I receive my SSI deposit, in reference to unauthorized transactions on my card. this dispute was entered on XXXX XXXX, XXXX. They were suppose to send me documents to fill out to finalize the dispute. After not receiving them within a months time I called them back. They had to resend the documents for me to fill out to finalize the dispute. Initially they told me it would take up to 45-90 days to complete the investigation. in which should have started from XXXX XXXX, XXXX. After waiting the 90 days and speaking with several representatives assuring me that I would have my money back with 90 days. I called them back today XXXX XXXX, XXXX to find out why I have yet to receive my funds back and they tell me the XXXX starts from XX/XX/XXXX when they received the paper work back and not when I initially entered the dispute. I am a disable person with limited ability and receives only SSI to take care of my daily living. I need my money back and can not now wait another XXXX to catch up on back bills that was paid due to these unauthorized transactions. 

Can you please help out with this matter? 

It seems like they are giving me the run around, and is not trying to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do verification on everything on my credit report. They reply back to me stating that everything was accurate on my credit report. I did research myself and fought improper inaccuracies on my credit report after they did the investigation. 

XXXXXXXX XXXX XXXX : XXXX Never 30days late XXXX XXXX : XXXX Never 30 days late, High balance incorrect. 

XXXX XXXX XXXX  I have know knowledge of this account In Accordance With the fair credit reporting Act XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1861 section 604A Section 2 It also states a consumer Reporting agency Can not furnish A account without my written instruction.
Product: Mortgage

On XX/XX/2020 I received a Payoff Statement from Freedom Mortgage. The amount of the payoff quote was {$66000.00}. The payoff quote was good through XX/XX/XXXX. I had an insurance check that was written to Freedom Mortgage and Myself in the amount of {$64000.00} that I received from my insurance company do to the property catching on fire. I contacted Freedom mortgage and was told by them that I needed to pay the difference so that the insurance check would be the exact amount owed when they received it. They informed me to go online and pay the amount of {$2000.00} towards principal and then send them the insurance check endorsed by me. On XX/XX/2020 I made a payment of {$2000.00} to principal like I was informed to do. I made sure that the payment to principal posted before I mailed out the insurance check. On XX/XX/2020 at XXXX XXXX at a USPS officXXXX I overnight mailed the endorsed insurance check, payoff quote, a letter to inform of a change of mailing address, and a letter of intent stating that I am sending this endorsed insurance check to pay off my loan. I mailed these items to Freedom Mortgage corporation Attn : Property Loss Dept. in XXXX SC as instructed by the Property Loss Dept. 
Freedom Mortgage customer service and their Property Loss Dept. as well as my online account look-up, recognizes that I paid the full amount of the payoff quote before it expired. I have spoken with Freedom Mortgage Customer service representatives, supervisors, and ambassadors about the fact that their system isn't showing the loan as paid off. They all have agreed that I have satisfied my loan by paying the total amount of payoff in the allotted time frame. It seems that the problem is that the check is being passed around from one dept. to another. It also seems that because of there mistakes and confusion that they actually generated a SECOND payoff quote on XX/XX/2020. I have spoken with them a ridiculous amount of times and nobody can seem to fix it on there end. With this problem still not fixed Freedom Mortgage is saying that I'm late on my payment due on XX/XX/2020 and that now I owe for XXXX and my bill due in XXXX. This is ridiculous.If this problem is not corrected by Freedom Mortgage quickly then they will put a bad mark on my perfect credit report. The biggest problem this is causing in my life is that I can't get any insurance checks from my insurance company written in my name so that I can give the builders funds to start building my new house. I need to prove to the insurance company that I've paid off my loan so that the checks won't have Freedom Mortgages ' name on them. Freedom mortgage is preventing this from happening. Me and my XXXX children are living in a temporary rental house until the new house can be built. We have a lease agreement and have to be out by a certain date. Freedom Mortgage is preventing this. This problem needs to be addressed and corrected as urgently as possible.
Product: Payday loan, title loan, or personal loan

I obtained loans through XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Pa XXXX. I began struggling with financial issues and they actually showed up to my residence and left a letter in my mailbox even stating that they stopped by my home which is a complete violation of my privacy. I have both letters showing this. It was signed by Branch Manager XXXX XXXX which was very unprofessional being a branch manager or even if it was just a sales person. I feel this is a form of harassment coming to my home and need to take action for this. I can provide any documentation necessary about this company. I always made my payments on time until I fell on financial distress and now I 'm trying my best to do what I can. Please if you can help in any way with this company. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally provided consumer rights to privacy and confidentiality under 1681. 
Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 u.s.c 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately in XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, and also XX/XX/XXXX and XX/XX/XXXX monthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with my lender so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XX/XX/XXXX. 

It has come to my attention that because of these late payments with XXXX XXXX XXXX, I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with Transunion and XXXX. I sincerely hope that XXXX XXXX XXXX  believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own.
Product: Checking or savings account

Capital close my checking account but do not isssue closure check for my checking account.