23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a XXXX XXXX XXXX XXXX who has applied for an exception for my tax an although I've provided proof of my statues the mortgage company which is Mr , Cooper is saying that they only show that I am 4 % tax reduction eligibility. Second issue is that I tried to get removed from the escrow and paid them the money that was in the negative in escrow to bring my balance to XXXX and they said that they never received the money and second the 've doubled my escrow from XXXX to XXXX dollars in one day. When I was first made aware of the escrow issue is when my mortgage company was Trippled my monthly payments from XXXX to XXXX in XXXX of this year. Once I was able to get them to recognized the tax decuction my monthly payment is now XXXX these numbers are just ball park figures however the point is I feel that I am dealing with an unhonest company. I spoke with them about the XXXX dollars I paid them on XXXX XXXX XXXXXXXX XXXX to bring my escrow balance to XXXX they said that they didn't process the money because it was one digit off something crazy like that but I was never made aware of an issue with my payment.
Product: Checking or savings account

Overdraft fees Money frozen Ive been charged way to much having a account with Wells Fargo and this needs to stop, because of this I dont like the banking system they are a bunch of corrupt crooks that get over on the middle class
Product: Debt collection

Recently, I did an investigation on my credit report which caused severe XXXX and XXXX upon my search I found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification- description of reinvestigation procedure. I have recurring collection that has been reported and asked to be removed several times. This XXXX XXXX XXXX has been unlawfully requesting {$100.00}. The account number ends in XXXX. I also have an inaccurate balance of {$4500.00} with XXXX at XXXX ( Hunter Warfield ). This company is reporting a false and inaccurate debt amount. The account number ends in XXXX. I would appreciate it if both of these accounts could thoroughly be looked into.
Product: Debt collection

Just received a phone call from a lady calling from ( XXXX ) XXXX saying she was from a courier service and that she needed to speak to me because they " so-called '' had legal documents delivered to me and I was unavailable and they wanted to verify my address to send these legal documents to me so I won't be a no show in my upcoming court case. First of all, what court case and second, who are you with? She would not give me the information but transferred me to someone name XXXX. He stated they've been trying to serve me with court papers and they wanted to verify my address. I asked who he as with and he stated he was with someone name ADR.  Wouldn't completely identify himself, wouldn't tell me who the company was that was " suing me '' and told me I could settle with him without going to court. He continued to threaten me over the phone about suing me and I needed to make arrangements with him today. Again, no information on who the company was that was " suing me '' and he wouldn't disclose no account number, no amount that was owed, anything. Immediately, I knew this was a scam artist trying to get banking information from me and I know if they wanted to sue me, they wouldn't call me over the phone to threaten me, I would just be served. 

This XXXX person 's phone number is ( XXXX ) XXXX ext. XXXX. Again, would not give any additional information and I can actually sue him for threatening me over the phone.
Product: Debt collection

I received a correspondence from this company  (  Transworld Systems Inc  )  dated  XX/XX/XXXX , that stated they will make a request to have this account/item removed from my credit file. As  X/XX/XXXX , this has not happened. On  X/XX/XXXX  I filed a complaint with the CFPB case number  XXXX  and the company responded stating that they have requested to have the item deleted from credit file. The account on these correspondences is  XXXX . They continue to report this item/account to the credit bureau  ( s )  with an account number as  XXXX . On   XXXX   I sent another correspondence to this company, which they received on   XXXX   per  XXXX  tracking. As of  X/XX/XXXX  I have received no reply or correspondence from this company, but they continue to report to the credit bureau  ( s  ). The company also sent me a copy of a promissory note. In my correspondence I requested the original wet ink signature document as the copy may be a forgery.      1.  What is the alleged account number  XXXX  or  XXXX ? The company reports with both of these numbers. On the letters received it is listed as  XXXX , but on credit report as  XXXX .    2.  Why is the company using  XXXX  different account numbers? Seems to be unlawful and fraudulent activity.    3.  Can the company provided the original wet ink signature document  ( pr omissory note )?
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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: Debt collection

My XXXX report lists a collection from 2015, with no information, and no other account showing as a write off or collection as it 's source. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

there was an illegal reinsert of an account that was taken off my credit report that does not belong to me. The FCRA states that your information may not be reinserted onto your credit file by the credit reporting agency unless the information is indeed mines and the consumer reporting agency is required to send the consumer/myself a written notification within 5 business days that the account is being reinserted and I never received the notice at all. Here is the account : CAPITAL ONE # XXXX
Product: Credit reporting or other personal consumer reports

My XXXX XXXX credit was was stolen from me. when my card was stolen they used my XXXX XXXX card for purchases which went through. Due to those fraudulent purchases my XXXX XXXXXXXX card went 30 days late. I right away called XXXX XXXX disputed those fraud transaction and they verified due to the fraudulent transaction they will remove the 30 day late they reported to XXXX XXXX and transunion. Which they did remove. I have attached my XX/XX/XXXX statement which you will see XXXX XXXX removed the 30 day late they reported in XX/XX/year>. After 2 months passed XXXX XXXXXXXX reported the 30 day late back which I was in complete shock because that issue was removed. I called them and they don't see the problem and I am having a hard time explaining the situation to them because everytime it is a new employee and they don't know what to do. I need this 30 day late removed from XXXX XXXX and Transunion because it is inaccurate and was due to fraud charges. Below I have also attached my XX/XX/year> credit report which you will see the late. Please help me resolve this issue like it was originally. Thank you
Product: Mortgage

The home was going into foreclosure because of taxes and homeowners insurance. I spoke with the company multiple times about the issues being resolved ( waiting on tax relief and sending in insurance documents ) and they informed me that the foreclosure process would be on hold until these things were taken care of. They property went into foreclosure anyway and it was sold without my knowledge. They lied to me during the whole process and then said there was nothing they could do. Had they not lied I could have gone ahead and paid the amount and then try to get reimbursed once the correct amounts were updated, but I could have figured that out later. I confirmed with them multiple times that the foreclosure process would be on hold and they assured me of so. I even spoke with them the day before and was about to wire the first payment of funds but they told me to hold off and transferred me to another department to check on insurance before I did so. As I said had I knew that they were lying I would have went ahead and paid. I would rather overpay that putting an XXXX  and his grandchildren out on the streets. They put the home up for auction to be bought the same day not even a sign in the front yard to warn us or give us a opportunity to bid and win it back. Because of the false reassurance they gave we were under the impression that we could have had this rectified and handled before it went that far.
Product: Credit reporting, credit repair services, or other personal consumer reports

In around XX/XX/2023 I submitted an identity theft report to XXXX and Equifax via upload service, to block and remove fraudulent accounts as a result of identity theft, as identified in USCS 15 SECTION 1681c-2 BLOCKING INFORMATION. I provided a social security card and Driver 's License. Although after calling both reporting agencies the following week of XXXX of XX/XX/2023. 1st XXXX. " Specialized Fraud Team in which I was told that we reviewed your Fraud Dispute and determine that my FTC report does not meet our requirements and was not blocked, I was also told that contact the furnisher of the information to resolve it. So On Equifax Side I was advised that it will take 30 days to removed which is our policy but keep in mind Equifax disregarded 15 SECTION 1681c-2. Nevertheless, I tired of going back and forward XXXX should have learned it's lesson in a Case in 2021 XXXX V. RAMIREZ IN A SIMULATOR SITUATION. I WANT JUSTICE AND I WHAT THESE ACCOUNTS REMOVE AS REQUIRED BY LAW IN THE TIME FRAME BOTH I WAST XXXX AND EQUIFAX TO HAVE FINES AND PENALTIES APPOSED BECAUSE I HAVE ALL THE EVIDENCE ATTACHED
Product: Debt collection

On or about XX/XX/XXXX, I mailed XXXX XXXX a debt validation letter via priority mail. XXXX XXXX failed to respond and they failed to validate the alleged debt. On or about XX/XX/XXXX, XXXX XXXX  retaliated against me by reported the fraudulent debt to Multiple Credit Reporting Agencies, in violation of the the Fair Credit Reporting Act. On or about XX/XX/XXXX, I disputed the alleged debt and the fraudulent debt was removed from XXXX Credit reporting agency and I am awaiting the results from the other reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under XXXX XXXX Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the XXXX XXXX Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the XXXX points of compliance set forth by XXXX XXXX. 

The following items are being disputed : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the XXXX points of compliance under the XXXX XXXX Reporting Format, I would like to highlight the following concerns : XXXX. Accuracy : The reported derogatory information contains inaccuracies and erroneous details that misrepresent my credit history. 

XXXX. Integrity : The information provided does not maintain the integrity and completeness required by the XXXX XXXX guidelines, leading to an unfair representation of my creditworthiness. 

XXXX. Completeness : The derogatory information fails to provide complete and comprehensive details necessary for accurate credit reporting, creating a misleading perception of my credit profile. 

XXXX. Timeliness : The reported derogatory information includes outdated or untimely data that should no longer be reflected on my credit report, as it does not align with the required timeliness of XXXX XXXX reporting. 

XXXX. Consistency : The reported derogatory information lacks consistency across different credit reporting agencies, further raising concerns regarding its accuracy and reliability. 

To facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the XXXX XXXX Reporting Format in examining each disputed item and ensuring compliance with the XXXX points of compliance. 

As per the XXXX XXXX guidelines, I kindly request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Additionally, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of upholding the principles of accurate and compliant credit reporting. Failure to address this matter in accordance with the XXXX XXXX Reporting Format may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the XXXX XXXX Reporting Format, ensuring fair and accurate credit reporting. Please keep me informed throughout the investigation process. 

I appreciate your prompt resolution of this dispute. 

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

I am a XXXX in the XXXX XXXX since XXXX. I have provided Transunion and XXXX XXXX with my ID 's showing I have been in XXXX and XXXX since XXXX with a permanent address in Maine. 

XXXX XXXX keeps reposting this bad credit, discovered during my security clearance check in XXXX. 

I am in jeopardy of losing my clearance and my job as a result of this incorrect posting if a charged off account that was never my account. I have nothing to do with the account which was opened by a third party. 

Please find my ID 's again showing I am here in XXXX now, since XXXX, and XXXX before that.
Product: Credit reporting or other personal consumer reports

I HAVE SOME SCCOUNTS ON MY CONSUMER REPORT THAT ARE UNVERIFIED, INACCURATE, AND NOT TRUE. THESE ACCOUNTS ARE A VIOLATION THE FCRA AND MUST BE DELETED IMMEDIATELY. THEY HAVE INACCURATE INFORMATION IN THE PAYMENT HISTORY, THE DATE OF LAST ACTIVITY/STATUS DATE ON EACH ACCOUNT BETWEEN XXXX, TRANSUNION AND XXXX. DELETE THESE ACCOUNT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several accounts on my credit report that does not belong to me. 
XXXX XXXX XXXX,XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX / XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXl XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Report Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Trans UnionXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX Bank 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

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your XXXX credit reports. Account names and account numbers and file Your complaint with the CFPB
Product: Checking or savings account

I used Popular Bank XXXX XXXX which is an app to send funds to people directly on XXXX for {XXXX}. I sent the same person for the same amount 2 months prior with no problem. The second time I sent money to the same person in the same manner it went to a person I have no idea who it is. A few days went by and once I realized the person I intended to send the money to did not receive it I called the bank on XX/XX/10. That is when i realized the info of the recipient 's phone number was one digit off. This was really strange because I used the contact in the app to send money before. I didn't input the number manually the second time. They informed me they couldn't do anything that day and to call back the next day. I asked if they could request the transfer back and they said I would have to wait for someone to get back to me. I informed them I believe this was a timely and to see if they could do something! They informed me the fraud department would call me with in 24 to 48 hours. In the mean while the money cleared through a XXXX account. After the second day I called again and they had no addition info. I asked if they could request the transfer back and they said I would have to wait for someone to get back to me. Two days passed with no call back back from anyone. In this time the fraud department contacted the person I attempted to send the money to so they could confirm the transaction and they told him to call XXXX and ask for the money back. I kid you not! They advised him to deal with XXXX directly. It took several days and many phone calls before I could even get an answer on what the possible outcomes could be. Eventually they told me sorry user error. I was appalled on how the situation was handled from the begging. I found the lack of contact and willingness to attempt to help there customer suspicious. No one could give me any information at all. I asked how this happened, where I went wrong, why wasn't i notified, I sent this person money before what happened and other questions with no attempt to answer them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
Product: Debt collection

ive ask them to produce documents to where i have signed and agreed to pay the alleged debt / legal documents between me and the company. they have have failed to produce and are continually placing inaccurate information on my credit reports. they refuse to remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX Company Sold Account Type -- -- -- -- - Collection Date Opened -- -- -- -- XX/XX/XXXX Status -- -- -- - Paid in settlement. 
Status Updated -- -- -- - XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX XXXX XXXX Company Sold -- -- -- - Account Type -- -- -- -- - Collection Date Opened -- -- -- -- -- XX/XX/XXXX Status -- -- -- -- -- Paid, Closed Status Updated -- -- -- XXXX XXXX **** XXXX XXXX XXXX XXXX  Inquiry Date XXXX Removal Date XXXX Type -- -- - Credit Unions 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 602 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681 ( a ) ( 5 ) states no consumer reporting agency may report any items of items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( I ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable that the Information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency, Equifax, announced on XX/XX/XXXX that a hack has impacted my credit history
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report Equifax, even after your investigation I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.