23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Mortgage

Dear CFPB, I am refiling this complaint I filed XX/XX/XXXX under number XXXX but was closed with the claim that it was the same complaint ( # XXXX ) filed in XX/XX/XXXX. The XX/XX/XXXX complaint was about the XXXX position - the new complaint ( see below ) is very different and is requesting the complete finances for the mortgage starting in XXXX and the associated mortgage paperwork for when Merrill Lynch assumed the loan and then when Bank of America re-assumed the mortgage on XX/XX/XXXX from Merrill Lynch. Please review and ask the Bank of America to provide the requested paperwork : I just received correspondence from the Bank of America regarding a mortgage ( Acct # XXXX ) for XXXX XXXX XXXX XXXX XXXX, Michigan which documented that XXXX XXXX ( Acct # XXXX ) refinanced the original XX/XX/XXXX Bank of America mortgage ( Acct # XXXX ) sometime during XXXX. Following, the Merrill Lynch mortgage was then transferred back to the Bank of America on XX/XX/XXXX ( documentation attached ). 
. 
According to the XXXX XXXX XXXX of Deeds, Bank of America did not file the mortgage discharge paperwork when Merrill Lynch refinanced the mortgage in XXXX and never filed an amendment when it took over the Merrill Lynch mortgage XXXX XX/XX/XXXX, XXXX instead the XXXX XXXX XXXX XXXX XXXX only records the original Bank of America XX/XX/XXXX mortgage and discharge of the same mortgage on XX/XX/XXXX ( XXXX XXXX XXXX of Deeds documentation attached ). 
. 
Please have the Bank of America send me a discharge of the of XXXX mortgage corresponding to when the XXXX Merrill Lynch XXXX XXXX as well as the modification when the Merrill Lynch mortgage XXXX transferred to the Bank of America XXXX XX/XX/XXXX as well as filing the required documents with the XXXX XXXX XXXX XXXX Deeds. Also, please have Bank of America send me a copy of all the financials associated with the original XXXX mortgage XXXX Bank of America only sent me XX/XX/XXXX- XX/XX/XXXX financials from the new transferred mortgage ). 

Thank you, XXXX XXXX
Product: Prepaid card

I bought a {$100.00} prepaid American Express gift card through my daughters XXXX  fundraiser to add to my XXXX XXXX. Upon trying to add, I can not add it. I shouldnt have done it because the same thing happened last time a couple of days ago. The customer service is atrocious and I can never get an answer or anything resolved! Customer service needs to be trained on this as well on their manners. Now Im out {$100.00} for a card that is supposed to be easily added to XXXX XXXX Its an ecard so no other way to use it! I have never used experienced this with any other brand of prepaid card. Dont sell these cards if youre unsure if theyll work. I would like an immediate refund, or be able to add this to my XXXX XXXX asap. This is such an issue upon reading online reviews. Why sell cards and essentially scam people out of money if theres even a chance they wont work?
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX- Account : XXXX XXXX  : XXXX XXXX Account : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service And unfair practices which violates the consumer financial protection act ( CFPA ). Cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements. Under the electronic fund transfer act ( EFTA ) and regulations E. These regulations have caused significant inconvenience and financial loss I appropriate re-address for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  DELETED THIS BANKRUPTCY FROM MY CREDIT REPORT YEARS AGO BUT XXXX AND EQUIFAX STILL HAVE IT ON MY CREDIT FILE.
Product: Checking or savings account

There was a company-wide mandatory closing of accounts into new accounts with new numbers associated with the institutions new name... etc. During this process there was a DEBIT, CREDIT, then DEBIT, resulting a " double debit '', ( it was not a " XXXX '', or a debit <old -- institution -- new -- >credit ). So this resulted in a unjustified debit or loss of XXXX digits in my account. 

My daughter, has been trying to help me unravel an answer as to why this has happened. We have continued to get less clarity and more complication. with " detail '' Spreadsheets of numbers and transactions, trying to prove that this is all just a " wash ''. I need answers as to this disappearing money.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that I do not recognize and believe was added without my knowledge. I suspect identity theft or fraud and
Product: Mortgage

My complaint is with my previous lender ( Flagstar Bank ). How they were to able to XXXX up my loan before transferring it to the new lender they sold my loan to?? 
On ( XX/XX/XXXX ), my current lender ( XXXX XXXX ) sent me an Escrow Analysis Statement showing my Escrow Account Shortage $ XXXX, and with a payment increase from {$1600.00} to {$2700.00}, that {$1100.00} more!! 
On ( XX/XX/XXXX ), I called to speak to someone at XXXX for an explanation on my Escrow account, on why an extreme negative amount? The representative kept stating my property tax increase and catching up. It wasnt making sense to me? 
Second call to XXXX, the C.S. advice to call Flagstar bank and do a three way so she can assist on the call. The representative with Flagstar said they pay what they get billed and also said they do not pay supplemental property taxes for there customers, that, thats our responsibility. 
I ended up reaching out to my broker Ive used in the past and my realtor for assistance and advice. We figured out, my previous lender ( Flagstar Bank ), one month before transferring my loan off, only paid XXXX property tax bill, but incorrectly, they paid XXXX ( {$1900.00} ) amount and not XXXX ( {$3700.00} ). I also had a supplemental payment in XX/XX/XXXX ( {$3300.00} ) that they didnt pay and right before my XXXX property tax bill was due, they had passed on my loan to another company. In XX/XX/XXXX, Flagstar Bank sent me an Escrow Account Statement showing my escrow balance overage of {$7500.00} in a surplus and my payments to be decreased from {$19000.00} to {$1600.00}. They sent me a check for {$7500.00}. 
The new lender ( XXXX  ) continued to bill me with the new lower payment amount, since XX/XX/XXXX. Im not a first time home owner and have always included my impounds in my payments, but I have never had a mortgage company XXXX up my escrow to where now I owe back almost $ XXXX!! 
I now have a better understanding on when receiving secured property tax bill, what to look for and compare to what my current mortgage company is paying or not? 
XXXX  to catch up, paid my XXXX supplemental bill, XXXX XXXX property tax bill ( correct amt {$3700.00} ) and each month paying short of {$390.00} ( XXXX ) totals {$1900.00} ). Luckily I banked the overage surplus Flagstar claimed I had, and paid XXXX with that, so now only leaves my escrow on a - {$2000.00} and they are working with me to stretch out that in 24months. But not everyone can say they kept overage money. Scary to know if I didnt do what I did, I could eventually lose my home, as I cant afford to pay a monthly increase of {$1200.00} on my mortgage payment.
Product: Debt collection

I sent a Validation letter to XXXX XXXX on XXXX XXXX, 2017, to Verify that this debt is my debit. I waited 30 days to see if they would send a response to my letter. I waited 30 days and they still have n't replied to my request. I have attached proof that they received the letter I sent to them certified. I have attached the proof that they received my letter as well as a copy of the letter that sent to them.
Product: Student loan

I am seeking forgiveness under the PSLF program. I have made over 120 qualifying payments. However, the department of education has lost almost three years of my payment records and I have been trying for over one year to have this fixed. My servicer, and the department of Education, does not show any payments made from XX/XX/XXXX through XX/XX/XXXX. I made all payments during that time. However, due to the age, my banks do not have any payment records to provide me. I have no way to prove I made these payments and the only place that should have the correct information has none.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, US Department of Education/ account # XXXX, US Department of Education/account # XXXX, DEPT OF ED / XXXX- account # XXXX, and XXXX XXXX XXXX # ( not shown on consumer report, and only reported on Equifax ) have violated my rights.

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

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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
Product: Credit reporting or other personal consumer reports

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

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XX/XX/year> Personal Information : NAME : XXXX XXXX NAME : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX  PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX  EMPLOYER : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased my home in XXXX XXXX in XX/XX/2002. My original Lender, that I made my first payment with, was XXXX XXXX  XXXX. Bank of America became my Lender after a Merger of the two companies. My original payments made to XXXX and all corresponding paperwork I signed, should be with Bank Of America. I want my XXXX file which should include my payment history, loan application, deed, note, and all monthly statements.
Product: Mortgage

XXXX XX/XX/2020 we contacted Sun Trust now Truist that we would like to terminate our private mortgage insurance under the Home Owners Protection Act. We received a letter from SunTrust that our request had been denied because we did not meet the requirements because our payment history did not qualify, stating that we had a payment that was 60 days or more past due within the first 12 months of the last 2 years prior to the cancellation date. I replied back to the letter via email and explained to there must be something in error because we had never been late on our mortgage payment. The only time we did not pay as scheduled was when we were given the option by the lender to participate in a forbearance program during the height of the pandemic. We were never told that if we participate in the forbearance program that was authorized and backed by the federal government that we would not be eligible to participate in the Home Owners Protection Act even though our home meets the 80 % of the original value of our property. After sending an email to the person listed on the denial letter as our home owner client representative asking for an explanation, there has been no reply or calls from SunTrust now Truist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting a debt for {$37000.00} to my credit bureaus which was first delinquent by XXXX XXXX XXXX XXXX in XXXX. Transunion is reporting this collection to be removed XX/XX/XXXX which is two months past the 7 year legal reporting time frame according to the Fair Credit Reporting Act. I have disputed this multiple times and every time I get copies of old statements showing delinquency but never once showing the date I was first in default. The other bureaus are showing XX/XX/XXXX the debt comes off my report. I want this corrected.
Product: Mortgage

Select Portfolio Servicing failed to pay the property tax before due date of XXXX XXXX. 
Name on the account : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account Due : {$5100.00} Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Select Portfolio Servicing claim payment was paid XXXX XXXX but when request paper confirmation, one can not be provided. According to the XXXX XXXX XXXX XXXX department, payment XXXX as of today ), have not been received.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit card

HI CITIBANK CARDS ; CFPB ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2023. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. This is also the time i was XXXX for months due to XXXX and i had relay this message to your company and i was told that i shouldn't worry about this and my bank was also compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my Chexsystem report and noticed some accounts that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.
Product: Debt collection

Debt has been collected on a bill from Washington XXXX XXXX in Washington DC. The hospital submitted a collection notice prior to payment by XXXX XXXX XXXX XXXX. This has caused significant damage to my credit report. I need this corrected ASAP. I thought reporting medical information to the credit agency is against XXXX law. Can you help? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has damaged my credit file the entire month of XX/XX/2022 as you will see some days it dropped over XXXX points, twice, then jumped up over XXXX points some days- and they continue to decline my score even though I have 100 % payment history on over 15 accounts! the only derogatory issues I have are from almost 8 years Ago on XXXX, And XXXX years ago! And my score is a XXXX today! This is appalling and embarrassing, a XXXX with perfect payment history for years! 

I feel my account continues to be in jeopardy and I need help correcting this! The attachments show my perfect and in good standing record and they still are assigning me a XXXX! This is wrong! 

Please help and get my credit file fixed!
Product: Debt collection

Starting receiving calls and voice mails with no one saying anything. I answered the call on XX/XX/2021, I kept asking what the call was for and why I am getting all these calls and blank voice mails. Company would only ask me to verify my address and I kept asking for what and if your a legitimate company you should already have my address and I need to know who you are and why you are calling me. I owe no debts outside of my mortgage, and car payments and not sure why I am being contacted now. My information has been compromised in several data breaches with tmobile being the latest. So I am on high alert when I start getting phone calls all of sudden asking me to identify myself and the company on the other end will not identify themselves or purpose. I don't have any collections on my accounts for the last 8 years. So where is this coming from. I know how old data is bought and sold about consumers and the harassing starts.
Product: Credit card or prepaid card

I have three credit cards with American Express was cancelled after pandemict, i never stop to paid, just i paid two cards in full and other request financing in accordance finantial situation. 
My credit card score always is affected my life becouse this report show that i am not right paiment, i request several time to American Express fix this situation and they said is a company desition that affect all economical process and they have hight rates. 
Is not fear when always a paid on time they can destroy my life and business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never was employed by XXXX. 

Name below are all incorrect : XXXX XXXX XXXX, XXXX, XXXX 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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX BANK : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX OF XXXX, has violated my rights. 

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

15 USC 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: Mortgage

They have all of the money sent from our insurance to fix the home of from an XXXX. In order to disperse more money after the initial payment an inspection needs to be done. They have failed to send someone out. We are going on week XXXX of no call or response from an " inspector ''. We owe less money on the home than the current amount they are holding from us. We are displaced and currently living in a rental that the insurance is paying for but that will run out before the home can get finished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order 13892 ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Product: Credit reporting

XXXX There are no data Furnishers to contact on these matters. Please comply with my request in my original complaint regarding inaccurate reporting of personal information on my Credit Report with your company. this per my request. This is my second request for you to correct the information on my Credit Report. I do n't know why I must spend so many countless hours on this. It is causing me a lot of stress. 

You should only be reporting personal information contained in this complaint and the attachment, any other names or social security numbers, or addresses are completely inaccurate and do not belong to me under penalty of perjury. Please remove this information right away and only report the information that is contained in this complaint and it 's attachments. I have included all necessary information so that you know that it is really me writing this.