23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

When I signed up for my credit cards with capital one I opted Into the credit protection services plan. When I lost my job I tried to use it as AND the company told me that they had discontinued the service as of XXXX XXXX 2016. I did not receive any email or info in the mail about the discontinued protection services plan ...
Product: Debt collection

this debt was included in my chapter XXXX filed XXXX/XXXX/2016 case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$9000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am a part of the data breech and the accounts, names, addresses, phone numbers, email address, employment information on my credit report is reporting incorrectly. By right, I have the right to have accurate information reporting on my accounts recorded by XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts asking Experian to stop reporting incorrect information on my credit report. XX/XX/XXXX {$590.00}, XX/XX/XXXX {$990.00}, XX/XX/XXXX {$370.00}, XXXX XXXX {$610.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$1300.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$920.00}, XX/XX/XXXX {$590.00}, XX/XX/XXXX {$1800.00}, XX/XX/XXXX {$490.00}. Here are a list of accounts that has been placed on my credit report that has violated my consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate. I will not stand for any misinformation being associated with my name and financial history. If there is something on my credit report that doesn't seem right, I will be taking action to get it removed. Federal and state law requires you to report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. 
Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take whatever steps are necessary to correct my credit
Product: Credit card

Dear XXXX  and CFPB, I am writing to file a complaint agains

t Goldman Sachs Bank for engaging in fraudulent practices by charging both the merchant and the customer. I purchased a phone from XXXX, but after receiving it, I was not satisfied and decided to return it. The merchant did not respond to my email, so I submitted a dispute for the {$430.00} transaction from XXXX on XX/XX/year>, at XXXX XXXX. 

After that, the merchant contacted me and sent me a return label. I returned the phone, and XXXX received the item but required me to cancel the dispute before they could process the refund. I requested my bank to withdraw the dispute, but they did not take action for two weeks.

When I discovered that my account had been rebilled {$430.00}, I asked the merchant for a refund, but they informed me that the bank had already charged back the amount and that they could not refund me.

I contacted the bank again, but I received a notification stating that the dispute had been resolved and credited to my account. However, when I checked my balance and available credit, I found the amount was incorrect because Goldman Sachs rebilled the {$430.00} to my credit card and claimed the issue was resolved.

I have contacted the bank three times, twice via messaging and once by phone today, but the problem remains unresolved.

I request the authorities to supervise and address the corruption and fraudulent practices at this bank and help me recover the {$430.00}.

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

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lets get Straight into this, All 3 Credit Reporting Private Companies has a account on my Credit report that shouldnt be on there. Actually by Law nothing should be on my Credit report sue to the Fact I havent giving anyone permission to report anything on my credit Profile I have the right of privacy They have a account from XXXX XXXX Bank and all 3 Private Data Reporting Companies have something different on their for the Account Status. Im going to start with XXXX XXXX, has the Account listed as In Collection/Charged off. This XXXX  XXXX Account cant be a Charge of because that means that XXXX XXXX Bank gave up the Debt in most cases filed a Insurance Claim, also will be receiving a Tax Write off.. As for the Collection part, how do the Credit Reporting even know that this account for XXXX XXXXXXXX Bank is in Collections when a the Collection company at hand never even Posted yet. Another pointer is that until the Debt Collection Compnay sends over the Validation not Verification I requested the Acount may not even be mines. Im attaching a file with this letter showing that This account should be Deleted according without any Delay. 

Now on to XXXX. XXXX has this Account listed as a Charge off, and as I stated Earlier in this letter that this isnt a Charge off. A Charge off is when the Granting Company just throws in the Towel and take a full lost. Actually its not a Full lost because They fill an Insurance Claim to get paid, also write it off on their yearly Taxes. Basically they are getting paid twice for it, and also when a Company Charges Items off the Consumer isnt held reliable for that Account because the Granting company took it upon themselves to Charge that Account off. So please remove at Once. 

Now For Experian. 
Experian Also has this account showing as Charged off. Clearly you can read the above statement about Charge Offs, so Im not going to get into that. I could tell you this though., These Credit Reporting Companies are illegally False Reporting. This Account was never Charged off, nor do they know its in Collections. They are breaking the law, in the attachment Im attaching to this XXXX XXXX Bank Clearly says they Sent these False Credit Reporting Companies a message to DELETE THIS ACCOUNT because they dont want their name on anything. Once again the Law has Been broken by these Private Companies whom call themselves a Bureau, when Actually their criminals due to the reason I didnt give my consent to post anything on their Reports or whatever you want to call it. My right have been violated, my right to my privacy must not be a Great American Law anymore. 

Please remove this Account from your reports or be prepared to be Sued In the Words of the late Great Donald Trump Lets make American Great Again
Product: Credit reporting or other personal consumer reports

Inquiry On my Report i Didnt apply For any Credit end last year i contact the fraud department From All Three major Credit repirt asked To investigate And remove From credut
Product: Mortgage

M & T Bank is my mortgage servicer. Sadly they did not make the required escrow payment and my insurance coverage lapsed. They did not contact me about this. When I discovered it I tried to pay my hazard insurance premiums directly but it had been too long and the policy was cancelled. M & T put their super expensive forced place insurance on the property with out letting me know. All of the new hazard policies are at least double the cost. If M & T had simply done their job I would have affordable coverage. This costly mistake will force me to pay higher premiums for years to come.
Product: Debt collection

XXXX XXXX XXXX now currently known as XXXX XXXX is reporting incorrectly to XXXX   and XXXX  a collection in the amount of {$2600.00}. Please see XXXX XXXX XXXX partial account number XXXX listed on pages 48 and 49 of the attached credit report. I did reside at XXXX XXXX XXXX from XXXX to XXXX. ( Attached is a copy of the lease agreement from XXXX to XXXX. ) On XXXX I received a letter with a copy of a lease from National Credit Systems , Inc. collection account number XXXX ; NCS Account number XXXX. ( Attached is a copy of the lease agreement for XXXX to XXXX. ) This document shows an electronic signature on XXXX with occupancy dates of XXXX to XXXX. First, the electronic signature has my name misspelled, and Second, I did NOT give any authorization to use a computer generated signature. I moved into my current place of residence on XXXX. My lease renewed on XXXX and will be expiring on XXXX. ( Attached is a copy of the lease agreement for XXXX to XXXX. ) It would be impossible for me to have lived at XXXX XXXX XXXX a.k.a. XXXX XXXX from XXXX to XXXX as stated in the bogus lease I was sent from National Credit Systems , Inc . I did NOT sign this document nor did I give permission for this document to be signed. I do NOT know who is on the E-Signature Certificate. I have tried to contact the apartment complex but have not been successful. XXXX XXXX XXXX a.k.a. XXXX XXXX has clearly mistaken me for someone else who owes this debt. This debt does NOT belong to me. This incorrect reporting by XXXX and XXXX recently appeared on my credit report and this incorrect reporting of a collection is harming my credit score. I have contacted the bureaus to resolve this issue but have not been successful. These line items need to be removed from my credit report.
Product: Checking or savings account

My account was fraudalent scammed on XX/XX/XXXX, a policy report was done, chase ending closing all my account, and reopened new accounts for me, after a month in new account a XXXX payment was done via quickpay on XX/XX/XXXX my contact and contacts information was fraudalent changed and money was sent again to person who scammed my account before, after many calls to chase with no answer or explanation I finally decided to call one more time on XX/XX/XXXX, to find out status of my case after the 10 days ( waiting period ) a XXXX  customer service name XXXX start screaming on the phone, was not helpful at all, didn't let me finish explained her what really happen to my account, just continue stating that she review case and make the decision that my account can't be accredited, didn't want check notes from prior representatives, what she was telling on the phone wasn't the same of my complaint and she accused me for something that I didn't do. She also say that she doesn't care about me doing a complaint against her and hung up the phone.
Product: Debt collection

Sent letters to validate this debt for 8 months. haven't heard anything about the the bureaus. this information is not accurate & not valid
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, and XXXX XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX XXXX account number : XXXX and XXXX XXXX XXXX account number : XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX, and XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX, and XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX, and XXXX XXXX XXXX for the cancelled debt in order to file as ordinary income. Where is my XXXX? XXXX XXXX XXXX, and XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX, and XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. XXXX XXXX XXXX, and XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. Experian XXXX and XXXX is not an affiliate of XXXX XXXX XXXX, and XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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.
Product: Debt collection

I was notified by XXXX that a collection account had been added to my report early XXXX. I immediately reached out to this creditor whom I have never heard from via phone or mail, nor done business with and asked them for immediate validation of this debt per my FCRA rights. They responded with a typed letter stating I owe {$1100.00}. It contained no contract, no original loan date, nothing at all with my name and no documentation showing their rights to even collect on this unowned debt. On my credit it also shows that this account was opened XXXX of 2020 which is impossible due to the fact I am currently XXXX overseas. After asking for validation a 2nd time the company has stopped responding completely. I have attached the letter the used as VALIDATION of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection first went delinquent XX/XX/2011, it's not past the 7 year reporting period. The collection is with XXXX XXXX and they verbally confirmed the original delinquency date over the phone but Equifax is reporting this incorrectly.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint for the negative items of my Credit report.I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

Wells Fargo refuses to acknowledge receipt of a fax requesting documentation that they were not an investor in a mortgage they service ( # XXXX XXXX. This fax was sent on XX/XX/2021 at approximately XXXX GMT. I have digital receipt documenting the transmission of this message. 
Furthermore, they have refused to respond to a recently sent fax requesting record of telephonic communications pursuant to my mortgage XXXX # XXXX ) sent on XX/XX/2021 at approximately XXXX GMT. 

Both messages include multiple methods of contact, none of which Wells Fargo has deigned to utilize. 

As they are pursuant to a loan modification process that has caused me to file numerous complaints, and has been met with numerous stalling procedures and false information generated from Wells Fargo, I can only assume that this is an attempt to Foreclose on my mortgage.
Product: Checking or savings account

I am a CA EDD customer. I filed a claim in XX/XX/XXXX. I started getting money deposited onto a Bank of America Debit card. On 2 dates in XX/XX/XXXX : XX/XX/XXXX in SF CA {$200.00} and XX/XX/XXXX in SF, {$1000.00} from a savemart. Also 2 dates in XXXX XX/XX/XXXX XXXX, CA {$1000.00} and XX/XX/XXXX in XXXX XXXX CA, from a XXXX XXXX ATM, {$100.00}. These transactions were not mine. I called EDD and BofA and reported the fraud, Com code is XXXX. Claim number is XXXX. EDD froze my account as did BofA. EDD unfroze my account in a few days. I now get paper checks from the EDD. BofA tried to blame EDD for the account being frozen, just today my account is unfrozen, yet it will take up to 45 day for the " research Dept '' to research and then possibly make a decision. Enough! I have spoken to hundreds of CSR and supervisors, they can't do anything! I have filed a police report, # XXXX by XXXX XXXX. XXXX Co. XXXX 's office. The amount of my claim is {$2300.00}. The bank claims to have a " zero liability '' fraud policy. XXXX, it is a Zero Accountability policy for BofA. Please help me get my money back.
Product: Mortgage

Mortgage refinance process is now 8-1/2 months into the loan process ; was told by loan officer it would take 2 months. I have been told I have had clear to closes on at least 3 different occasions during the timeline, yet internal issues/delays with the lender has caused them to push the process back repeatedly.
Product: Credit reporting or other personal consumer reports

Put my address back on my Experian credit report account today. And update my credit reports for 2023 of this months XX/XX/2023 today for XXXX, XXXX, Experian to the lastest credit report of 2023 of XX/XX/XXXX Thxs
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXXXXXX Balance : {$600.00} ; Medical ) XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX.
Product: Mortgage

Re : scam/misapplied payments/predatory lending Ditech Financial LLC aka Green Tree registered at XXXX Box XXXX, XXXX XXXX, SD XXXX is a mortgage lender. 

I have consistent history of making timely monthly payments for more than 8 years starting in 2008. All monthly payments are sent using XXXX automated billing. 

Ditech misapplied monthly payments in the amount of {$3600.00} and put account in collection status. All payments have been submitted consistently through a third party payor, XXXX, who confirmed that Ditech received a monthly check in the amount of {$3600.00} and cashed it every month. 

Ditech refused to cancel PMI which reached 79.19 % and refused to respond to my multiple communications including the ones sent via fax, email and mail. 

Ditech failed to : *apply all monthly payment checks from XXXX ( cashed by Ditech ) to my account *remove late fees and bring the account into a good standing *cancel PMI *respond with an explanation why Ditech was cashing monthly checks in the amount of {$3600.00} each month and not applying it to my monthly bills, assessing late fees and collection fees