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

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company west lake is reporting that I have a repossession on my credit report which is not true my car was paid in full XXXX of XXXX I was recently at a car dealership when they told me I could not be approved for car due to west lake reporting inaccurate information causing me to be denied for a car loan. I want it taken off my report because it is not tire or accurate.
Product: Mortgage

I lost my home to forclosure, applied for loan with my local XXXX in 2008, they sold loan to phh mortgage at closing apparently, notice was given that our server was being changed from mortgage services to phh mortgage services same telephone number for both At closing we paid a full year of insurance up front, the originator XXXX XXXX presented himself as XXXX employee although he was registrated with nmls working for phh. Despite the fact I 'm told a corespondent leader could n't work for a XXXX lender at the same time in ct, XXXX became the investor and said they were involved with loan from beginning. Phh said it was n't XXXX, XXXX said they were and we never Had a true opportunity to modify our loan and yet my credit report said we had an partial payment agreement, I wish I could understand what happened so I can move on with our life, phh sent us a lettler our payment went up for lack of insurance then a lettler came that said their records show we had insurance with XXXX and they had n't received our permission to change it we had our insurance with XXXX which they paid out of funds from closing! When I failed to get anyone at phh to resolve this I called td bank na well they were baffled said the did all there closing in the bank and not at an lawyer office in which our took place they said phh had done some work for them but could n't verify our originator. If anyone could explain this relationship phh td bank XXXX I would be greatful. Oh also at one point I was told our escrow account was in the negative then while we were in court I received statement with XXXX. Dollars in the escrow, well they got it I wish I had my wits to fight
Product: Credit reporting or other personal consumer reports

Hello! I found two unauthorized fraudulent inquiries on my credit report.Please help me to remove those unauthorized inquiries from my credit file.
Product: Credit card or prepaid card

Open on XXXX XXXX Amount {$200.00} I called the company and the credit bureaus, and explained to them that I was a victim of identity theft. My roommate stole my information and presented to be me and got multiple credit cards in my name without my permission.
Product: Payday loan, title loan, personal loan, or advance loan

Net Credit in XXXXXXXX XXXX XXXX agreed to a structured settlement with XXXX XXXX on my behalf. XXXX XXXX has been paying them {$170.00} a month, in XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX XXXX. I wanted to honor the settlement agreement and called Net Credit today at XXXX to pay the balance on the settlement in full of {$2200.00} and Net Credit will not accept the payment in full.
Product: Mortgage

When applying for a loan via Quicken / Rocket Mortgage, I was verbally offered a 2.8 % Mortgage Rate, with processing fees of {$1200.00} on XX/XX/2020, to finance {$260000.00} on a Condo sale of {$360000.00}. On XX/XX/2020, this offer was rescinded upon direction of XXXX XXXX, due to the location being a Condominium and all units on the property were not completed, despite my provision of a Certificate of Occupancy by the County in which the property is located, XXXX XXXX, Florida.
Product: Debt collection

I am writing to formally address Transworld Systems Inc. ( TSI ) 's failure to validate an alleged debt within the legally required timeframe, as well as their continued collection efforts, which violate federal and New York State laws. 

Background : Initial Reporting : TSI began reporting a collection account on my credit reports on XX/XX/year>. 

First Validation Request : On XX/XX/year>, I submitted a written request for debt validation via email. 

I explicitly requested the following : - Proof that I owe the debt. 
- Information about the original creditor. 
- A detailed account of how the amount was calculated. 
- Copies of contracts, agreements, or statements establishing liability.

- Proof that TSI is entitled to collect on this debt. 

Second Validation Request : On XX/XX/year>, I reiterated my request through TSI 's website inquiry page.

Delayed Response : TSI responded with a letter dated XX/XX/year>, exceeding the XXXX validation period required by law that did not address the requested documentation and failed to prove responsibility of this debt to me as outlined by federal and state law. 

Violations : Fair Debt Collection Practices Act ( FDCPA ) : Validation Requirement : Under 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activities if a written dispute or request for validation is received within 30 days, until they provide proper verification of the debt.

Violation : TSI failed to validate the debt in a timely manner and continued reporting the collection to credit bureaus.

New York State Debt Collection Regulations : New York State regulations mandate debt collectors to provide detailed information about the original creditor, the debt amount, and their authority to collect the debt.

Violation : TSI failed to adhere to these requirements within the prescribed timeframe.

Legal Actions Sought : If TSI does not immediately take corrective actions, I am prepared to pursue the following legal remedies : Cease-and-Desist Order : Seek an injunction to halt all collection activities related to this account until full compliance with the law is achieved.

Credit Reporting : Demand the immediate removal of the collection account from all three credit reporting agencies ( XXXX, XXXX, and XXXX ). 

XXXX Damages : XXXX a lawsuit under XXXX XXXX. XXXX for violations of the FDCPA, seeking : Statutory damages of up to {$1000.00} per violation. Actual damages for harm caused by the negative credit reporting, including increased borrowing costs and emotional distress. Attorney 's fees and court costs. 

Regulatory Complaints : File additional complaints with the New York State Attorney General 's Office and the Federal Trade Commission ( FTC ) to investigate and enforce compliance with consumer protection laws.

Demand for Resolution : I demand that TSI immediately : Cease all collection efforts related to this alleged debt.

Remove the collection account from my credit reports. ( XXXX, XXXX, and XXXX ) Failure to address this matter within XXXX calendar days from the date of this letter will leave me no choice but to pursue the legal actions outlined above.
Product: Money transfer, virtual currency, or money service

{$13000.00} is the amount that was taken from my account. I filed the report XX/XX/year>. Wells Fargo Bank stated the following day that my claim had been closed because the transactions were authorized.
Product: Credit card or prepaid card

Barclays bank Athleta card. There is a {$650.00} amount showing from XXXX XXXX charges. 

I have never had XXXX XXXX and was told this was taken care of back in the late fall of XXXX. The charges continue to be on the account. I was told credits were issues and the balance on the account was {$0.00} ; however then I was told that there were all of the fees with penalties. 

I have been told many conflicting things and this continues to be a major source of frustration. If you can help I would greatly appreciate it. I have considered paying this in full but the charges are fraud and that feels wrong to do. It has caused me a lot of lost hours on the phone trying to figure it out and has caused a lot of undue mental stress.
Product: Mortgage

contacted owning for advertised mortgage rate with no closing costs $ XXXX loan, 1.99 % rate & APR 15year term meet all requirements per disclosure but was told there is 0.25 % cost. 
the representative was up front with this cost but can not explain it is not reflected in either disclosures or advertisement. 
this is false advertising in my opinion and should not be allowed. 

attached ad content
Product: Debt collection

COMPANY DEMAND PAYMENT ON ACCOUNT OUTDATED SINCE 2007, NOT MY ACCOUNT, PAST THE STATE LIMITATION TO COLLECT PER OCGA 9-3-23 AND 9-3-25
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account in the amount of {$440.00} was removed from my credit report from XXXX  after being found to be fraudulent. A different collection company has purchased the fraudulent account and added to my credit report again. This is not following the FCRA regulations by doing this.
Product: Credit card or prepaid card

Estimated time of charges : XXXX XXXX - XX/XX/XXXX Merchant : XXXX XXXX XXXX Amount charged : Approximately {$7000.00} - {$8000.00} XX/XX/XXXX : I did not ever receive any fraud alert or suspicious activities of my credit card being used despite having that service enabled. After noticing the fraudulent charges I called in to report them and was told that the charges will be looked into and that I will not be held liable for them. I received a new card, however, the charges continued to remain on the account. 
XX/XX/XXXX : The fraudulent charges appeared from the merchant again. Multiple charges of {$5.00} and {$10.00} were being made every few days. 
XX/XX/XXXX : I noticed these new charges then and called in to report them. The card was closed and a new card with a new number was issued. I was told that they'll investigate further into the charges and I would not be held liable for these amounts. 
XXXX XXXX : The fraudulent charges continued to remain on the account and after calling in regarding the charges, I was told that it takes a while for large amounts to be investigated. During all of this, I was still using my card often and making payments on it every month. I was given an interest fee every statement due to the fraudulent charges remaining on the account. 
XX/XX/XXXX/XX/XX/XXXX : I called in again regarding the interest fee and was told that if I was cleared of the fraudulent charges, I will receive a refund on them. 
XX/XX/XXXX : I haven't received any notice regarding the fraudulent charges and I called in again questioning the status of the case. I was told that due to COVID-19 that it will take a much longer time for them to investigate. 
XXXX XXXX : No updates were received, I called in again and was told they're still looking into it. 
XX/XX/XXXX : No updates received still. I called in again and was told they will send out a letter for me within 10 business days to sign confirming that what I reported was fraud. I still haven't received any letters and called in 2 weeks later about the whereabouts of the letter. I was told that the case has been closed and it is determined that the fraudulent charges were considered to not be fraud. They refused to give an explanation that led them to this conclusion and I was told that one of their supervisors would get in contact with me the next day. No one has contacted me yet. The statements in question are no longer accessible in my online account and when I asked for copies they said they could not send them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried repeatedly to get free annual credit report from Equifax over the last year. Last attempt XX/XX/2019. Can not get report online. They keep telling me do mail in all kinds of documentation i.e drivers license, ss card, utility bill, pay stubs, ss statements, tax returns, birth certificate and on and on and on. This is nonsense. I would never put that kind of information in the mail to anyone. Get my reports from other two reporting agencies without any problems.
Product: Mortgage

I have been going back and forth with Fay Servicing since XX/XX/2020. 
My experience has been overwhelmingly exhausting and frustrating. The level of incompetence, lack of customer support and straight lies is unimaginable. I have owned my home for 25 years, lots of blood, sweat and tears, I have no fallback and i have complied with everything they have asked me to do, but I still find myself back in the same position. Since XX/XX/2020, my mortgage balance has increased over {$100000.00} and my current interest rate is 6.5 up from 4 %. NYS has recently approved a XXXX claim for myself and my XXXX yr old daughter who is also XXXX. They claim all their phone calls are recorded, if that is the case my complaint might be the easiest to resolve, just go to voice phone recordings. My contact person XXXX XXXX XXXX is a liar and a fraud, he has yet to return a phone call or reply to an email since day one. The anxiety and stress is more than I could of ever imagined, Im reaching out to you because I need help and Fay Servicing is never available. I could go on for a long time, but I would not have enough space
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

XXXX. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

XXXX. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

XXXX bank XXXX {$0.00} I never opened this account 4. XXXX XXXX XXXX {$0.00} I never opened this account 5. XXXX XXXX XXXX This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late. 

XXXX. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.
Product: Checking or savings account

The fees that wells Fargo charged were exuberant and not fair. They are the reason my debt was up to XXXX after the insane interest they applied to the account
Product: Credit reporting or other personal consumer reports

Subject : Dispute Request Concerning Hard Inquiries Related to Identity Theft To Whom It May Concern, I am writing to formally dispute the refusal of Equifax Credit Reporting Agency to remove hard inquiries from my credit report that are a direct result of identity theft. I have provided them with my Federal Trade Commission ( FTC ) report as proof of the identity theft, which has been substantiated by multiple data breaches, including one involving Equifax itself. 

Background Information : On XX/XX/year>, I discovered that my personal information had been compromised due to identity theft. Following this discovery, I filed a report with the FTC and received an official document confirming the fraudulent activity associated with my identity. This report serves as evidence that the inquiries in question were not authorized by me and are therefore inaccurate representations on my credit file. 

Despite providing this documentation, Equifax has responded stating that inquiries are a factual record of file access and will remain on the Equifax credit file two years from the reported date of the inquiry. This response is unacceptable and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to dispute inaccuracies in their credit reports. 

Legal Basis for Dispute : According to Section 605 ( a ) of the FCRA, any information that is found to be inaccurate or can not be verified must be removed from a consumers credit report. The inquiries made without my consent due to identity theft fall under this category. Furthermore, Section 609 ( e ) allows consumers who have been victims of identity theft to request that fraudulent information be removed from their credit reports.

Equifaxs refusal to act upon my FTC report and remove these inquiries not only undermines my rights as a consumer but also perpetuates harm by negatively impacting my credit score and ability to secure loans or other financial products. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

Reverse Mortgage Solutions, Inc. 's ( RMS ' ) foreclosure of a XXXX citizen 's home in Maryland was temporarily averted this past week. A short sale contract at full appraisal ( i.e. RMS appraisal ) was received but rejected by RMS and its greedy investors who choose to remain anonymous. We understand that the DOJ recently fined RMS and its parent entity XXXX for fraud, and it seems that they should be investigated for other improper reverse mortgage activities. 
Further, HUD should do a thorough audit of this account as it was previously handled by XXXX XXXX and XXXX XXXX XXXX, whose overcharges and statement discrepancies were noticed by the elderly owner of the property in question. The XXXX homeowner wanted to take legal action against the bank but was very frightened by unannounced visits and calls by intimidating, rude bank representatives. It is so sad that American taxpayers bailed out the banks so that they could torture and swindle XXXX U.S. Citizens.
Product: Checking or savings account

I called Chase on XXXX got a business checking account with them which was linked to my personal account with another institution.They have rejected my transfer multiple times.Chase claims that they could not verify my account ownership with the other instruction/XXXX  XXXX..I tried to transfer XXXX from my XXXX XXXX to Chase two times but Chase just keeps XXXX it meanwhile the two accounts have been linked.They claimed that XXXX XXXX doesnt want to provide any info about my account with them such as account ownership before they could initiate the transfer.They claimed that they had to call XXXX XXXX before they can do anything but XXXX XXXX doesnt work with them.
Product: Checking or savings account

I own an ally bank savings account and was trying to transfer my funds out of the account. 

They put a fraud alert on my account, disabled online access and asked me to submit proof of ownership including copy of my SSN to restore access. I was able to talk to a fraud supervisor to remove the account freeze. 

However, after 2 weeks of the intended transfer, my funds ( XXXX ) are still on hold and not available to me. Their fraud department is painful and arrogant to deal with and have made it hard to access my own money even after the fraud concerns are removed. 

I have tried to contact them through secure messages, phone calls and disputing the transactions but no response from them. 

This is one of the worst experiences I have had with a bank and would advice other folks to stay clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. This account was already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.
Product: Credit reporting or other personal consumer reports

ALL OF OUR MAJOR ACCOUNTS PAID OFF OR DOWN XXXX ARE STILL NOT REFLECTED ON REPORTS! OUR SCORE ACTIALLY WENT DOWN. O F course I expect nothing from you or them. In my opinion by nature of hundreds of experiences - A SHAM consumer protection
Product: Checking or savings account

I am a new member of Ally Bank. I desperately need someone's help. Upon signing up I made my first deposit into a bank account for {$5000.00} on XX/XX/XXXX via mobile app. I contacted customer service via app and was then told there would be a 5 day hold until XX/XX/XXXX. 4 days later on XX/XX/XXXX my account was locked. I spoke with someone named XXXX who said he was an investigator on XX/XX/XXXX who said I was under investigation for the deposit I made and that i would be locked out of my account until the check cleared. After that on XXXX I spoke to XXXX in the fraud dept who wasn't much help telling me an investigation is XXXX min but there was no timeline for when this would be resolved and then later XXXX on who was very helpful telling me the check would be clear on XXXX at XXXX and to call back on XXXX and my acct would be unlocked. I called numerous times on XXXX to regain access to my acct. XXXX in the fraud dept hasn't helped me fix anything and has hung up on me numerous times and keeps telling me that he nor anyone else can help me or unlock my acct. And that it will stay this way for an undetermined amount of time but that it would be a min of 30 days. For what I ask you the check? The check has cleared the funds have been taken from the bank account the check was drawn on and is in allies possession and still I have no access to my account of my money and worse I am being told by customer service and fraud dept that there is no one there that can help me and they can not provide me with any other information or transfer me to anyone that can resolve this issue. I have dealt with many banks and financial institutions in my days but have never in my life dealt with such a rude XXXX  and unwilling to help bunch of people which I have had to while dealing with Ally. I need someone to please help me resolve this immediately. I tried once again this morning XXXX to resolve this issue first speaking to XXXX who just hung up on me and then XXXX who said she couldn't do anything and there wasn't anyone else iI could speak too transferring me to her supervisors voicemail that says they will respond in XXXX hours but thats a lie as I've called and left messages for more than a week with no response whatsoever.
Product: Credit card or prepaid card

Signed up Lowes credit card. It's a synchrony bank credit card. when i logged in i saw a charge for " PAYMENT SECURITY XXXX - {$29.00} '' when i spoke to them they say it's added by default as an insurance protection i don't know for who. tried asking them to cancel but customer service keeps routing me to other departments but nothings come if it yet.