23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX I received a letter stating from Santander bank that I had a escrow shortage of {$450.00}. On XX/XX/XXXX I wrote a letter to Santander bank reminding them that every month I sent an additional money to be added to my escrow account. I further inquired in the letter if the shortage was represented of these additional funds which would have been at the very least {$300.00}. 
On XX/XX/XXXX I wrote another email that I was still waiting for a reply regarding the addiotional escrow money I submitted every month and whether it was applied to the stated escrow shortage. I asked Santander when can I expect an answer. I received another standardized email from Santander that they would process my request as soon as possible and within the timeframe of the law. 
On XX/XX/XXXX I sent another email to Santander asking when do they propose to be able to answer this inquiry and what is the timeframe of the law? 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received postal letters from Santander regarding my referenced inquiry. There response was " We will make every effort to provide a response to your inquiry as promptly as possible. In any event, we will do so within the time limit required by law. 
As of now they I have still not answered my simple question.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act true accord corporation has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 12 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account is inaccurate and against the law to furnish on my report. Account name credit collection services THE GENERAL IN COMPANY. Please remove this account from my report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX. 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/XXXX I also have 5 inquiries I did not authorize or make : XXXX XXXX XXXXXXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I woke up in a hospital on someday in  XXXX . It 's  XXXX  and I 'm getting repeated phone calls from a collection agency stating that I owe over a {$1000.00} dollars for an ambulance ride. I had active medical coverage at the time. This should have been billed to my insurance because it was active during that time.     The ambulance company ma de zero at tempt to notify of my bill. The bill was never mailed to my address , ( wh ich they had on file ), and no email was ever  sent ( which they have my email as well ). And no p hone calls were made in an attempt to reach me.     Now it is too late for this bill to be ran through my insurance because the claim is too old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, US Dept of ED/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, has Fraudulent accounts on my credit profile.that needs to be removed immediately ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute took longer than 30 days XXXX this account is stopping me from purchasing my first home
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I never opened up an account with XXXX XXXX XXXX .. On XX/XX/year> I never opened up an account with Synovus Bank These accounts was fraudulently opened and sold too XXXX XXXX Which is also fraud
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. 
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as consumer
Product: Credit reporting or other personal consumer reports

I applied for several mortgages within the 45-day mortgage shopping window, between XX/XX/2024 and XX/XX/2024. The first inquiry was XXXX on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe ) and XXXXXXXX XXXX XXXX ( I believe this was from XXXX ) on XX/XX/XXXX. These were all for mortgages from four different companies within the 45-day shopping window, and according to XXXX, " Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. '' However, these are showing as 4 separate inquiries on all of my credit reports and have significantly dropped my credit scores as a result. XXXX does not have a dispute process online, XXXX did not have a way to dispute multiple inquires, only invalid ones, which these were not fraudulent, and Experian does not allow disputes of inquiries online. 
I called Experian on XXXX and they were unable to help. 
I spoke with XXXX on XXXX and arranged a call back by a supervisor. I spoke to a XXXX supervisor on XXXX and they said they would not remove the inquiries unless they were fraudulent. I explained repeatedly that they were not fraudulent but they should only appear as ONE hard inquiry per the CFPB website and consumer protection laws. They just argued with me and would not tell me how to get the issue resolved or what documentation to provide.
Product: Checking or savings account

Have tried to contact Robinhood Financial more than 10 times to resolve the situation but they take no action of substance because you can't speak to a competent human being. Apparently to save on costs Robinhood Financial has no telephonic customer help. Everything is email which has no resolution because the people who respond are looking to do nothing probably because they are low level and low paid. The email names responding by email from Robinhood incude XXXX, XXXX XXXX, XXXX and The Robinhood Team. They are incapable of resolution. Every email to Robinhood Support results in a new support ticket number or case number being created. Then they want you to submit an ID & Selfie to confirm your identity. I have submitted photos of my drivers license and Selfie 's on more than 2 occasions. No response. At present I have 4 cases with Robinhood Financial support. The case numbers are XXXX, XXXX, XXXX plus the most recent XXXX. Robinhood Financial needs to pay a hefty fine to CFPB.
Product: Credit reporting

I wasnt told by the people of XXXX that they were going to be checking my credit score. I was misinformed on what they were doing. Im really upset about having this hard inquiry on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to investigate and remove fraudulent inquires on my report, I have requested numerous times for the deletion of fraudulent inquiries from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2021
Product: Credit card

I am writing this complaint to CFPB because you are the entity that is supposed to make these institutions follow the law. you have to hold therm to account and make them treat federally protected consumers according to the law. 
Wells Fargo is violating so many different laws. Here is just a few : Debt Validation Pursuant to 12 CFR 1006.34C FDCPA 1006.30a 15 USC 1681b2 Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 USC 1692c ( c ) 15 U.S. Code 1681s2 15 USC 1681 s-2 and i could go on and on. The point is that CFPB you need to make it to where these institutions know that if they break the law that its gon na hurt whether financially or by putting them in prison.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. 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, The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. These accounts do not belong to me. 



XXXX XXXX XXXX - acct : XXXX, bal- {$240.00}, opened : XX/XX/XXXX XXXX XXXX -acct : XXXX, bal- {$1600.00}, opened : XX/XX/XXXX XXXX XXXX XXXXXXXX, Bal- {$730.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX acct : XXXX, Bal- {$630.00} XXXX opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$160.00}, opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$520.00}, opened : XX/XX/XXXX XXXX  it XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$1300.00}, opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$2200.00}, opened : XX/XX/XXXX XXXX  XXXX, Bal- {$700.00}, opened : XX/XX/XXXXXXXX XXXX - Bal {$810.00}, XX/XX/XXXX XXXX
Product: Debt collection

In review of my XXXX credit report I noticed that a collection has been reported without any notification for Caine Weiner. I do not know who this company is and why they are violating my consumer rights. They show as opening this collection on XX/XX/XXXX which is in direct violation of the FDCPA Regulation F. This rule was passed in XX/XX/XXXX which clearly states : Actions Which Must be taken Prior to Credit Reporting : Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. This company has not abided by the law! They have just knowingly and willingly placed a debt that I do not identify on my credit file and has hindered my ability to get approval from other lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that XXXX XXXX XXXX accounts have gotten hacked and i've been getting weird calls and text messages regarding XXXX. I didn't realize that they used my credit card and maxed it out completely until today. This has affected my credit report tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 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

them to validate, to show a receipt of their purchase of the debt than hit them with HIPPA violation of sharing your info for financial gains.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : SXXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX  filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX Date of inquiry : XXXX Delete!! 

Unathorized inquiry. 
XXXX XXXX Date of inquiry : XXXX Delete!! 

i noticed this issue in XXXX incorrect information needs to be removed : Incorrect Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employment info : XXXX XXXX XXXX Under15 USC 1666b this late payment entry is a violation.I have beeen incorrectly billed. 
XXXX XXXX Account numberXXXX please update the status of this account to " paid on time ''. 



This account needs to be validated. 
XXXX XXXX XXXX Account NumberXXXX This account needs to be validated. 
XXXX XXXX XXXXXXXX Account number : XXXX This account needs to be valited : XXXX XXXXXXXX Account numberXXXX This account needs to be validated. 
XXXX XXXX XXXX Account numberXXXX This account needs to be validated. 
XXXX XXXX Account numberXXXX This account needs to be validated. 
XXXX XXXX XXXXXXXX Account number : XXXX This account needs to be validated. 
XXXX XXXX XXXX Account numberXXXX
Product: Credit reporting or other personal consumer reports

I was looking on my credit report and Ive notice unauthorized accounts, I have no knowledge of these account, i did not apply for them I have file a FTC I have sent multiple letters XX/XX/XXXX, XX/XX/XXXX proof of social security card, proof of address, and proof of residency. XXXX has yet to update my credit profile which is violating my rights as a consumer. I would like these accounts to be blocked and deleted I XXXX XXXX {$210.00}, and XXXX XXXX XXXX {$270.00}
Product: Debt collection

This is a bill the I owe my 1st year of college, I rented an apartment off campus and when school was over I had 3 months left to complete my lease the amount of rent was {$320.00} a month but I was giving a settlement of {$1600.00} for XXXX XXXX from the National Credit System , Inc. I am trying to get this bill paid off but every times I talk to XXXX XXXX she is extremely rude and nasty when I ask her how come my settlement is so much, XXXX XXXX has forfeit the settlement of {$1600.00} only because I asked her for a detail bill for everything I was being charged on my credit report, That is my right to ask a collection representative what I am being charged for especially if they are collecting {$2000.00} with {$1000.00} being in late charges. This collection representative is abusing her position and not giving me a settlement now just because I asked for a detail bill this is against the law when I am trying to settle this bill, XXXX XXXX XXXX of National Credit System continues to abuse her authority just because i do n't know who else to turn to and to get this matter resolved.
Product: Mortgage

On XXXX 2012 my home was sold at a trustee sale after it was foreclosed on. I had a second mortgage with Capital One on this property and they are still reporting it as an open account with a balance and are reporting anew 120 day late every month.
Product: Debt collection

A card was opened using my name in  XXXX  I contacte d Macys and   even sent them the fraud affidavit years ago letting them know I was a victim of identify theft and did not open the card. They told me it would be taken care of, again in  XXXX  of  XXXX  I learned this account was still open and holding me up from obtaining credit. I once again contacted them and they stated they would escalate the problem since they could see it should have already been taken care of. I again faxed them the fraud affidavit and they have yet to release my liability from the account after speaking to numerous people over th e past 2 weeks.
Product: Debt collection

Received multiple calls from Americollect regarding a debt that I had no idea about. I inquired as to what the debt was for and informed them that I have two different insurance companies both cover ambulance rides. Americollect refused to listen and I further found out that the bill had been sent over by XXXX XXXX without them attempting to bill my insurance company.
Product: Debt collection

InXX/XX/2018 I received a letter from Frost Arnett for an attempt to collect a debt for {$350.00}. I spoke with them and asked what this debt was for. They stated that the debt was for money owed from XXXX XXXX XXXX XXXX hospital stay. On XX/XX/2018, I reached out to XXXX XXXX XXXX concerning this debt. I explained to a female represetatie that my XXXX insurance was supposed to cover my debt, and if they did not cover in full, that my Medicaid would. She told me to call and get my ID number. I called Medicaid on XX/XX/XXXX, and they provided the number to me. I also called Frost Arnett on XX/XX/XXXX which they have record for at XXXX. I explained that I spoke with the original creditor, and provided my Medicaid information. I asked BOTH parties if I needed to follow up with them concerning this debt. Both said that if there were any issues, I would be contacted via phone or email. 

On XX/XX/XXXX, I received an alert on my phone stating that this account was in collections. I immediately contacted both the collection agency, original creditor, and XXXX XXXX XXXX Hospital. Everyone has a record of me contacting them concerning this debt except XXXX XXXX XXXX. XXXX XXXX XXXX stated that it is now too late to apply my Medicaid ID, and they had reached out multiple times although I have not received any communication from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized anyone to pull my credit and the inquiries on my three credit report are incorrect inaccurate and want them to be removed from my credit report
Product: Credit card

Currently have a mastercard credit card through synchrony bank for TJX. I have all my statements mailed to me as I receive too much junk email and I don't like my statements sent to me via email so I am not late with my payments. A few months ago Mastercard begun to charge {$1.00} for all mailed invoices. I called an complained and they told me there isn't anything they can do about this. I think it is very unfair to consumers to be charged extra money to receive a paper statement. What happens if you don't have an email address. Many elderly people do not use computers. In my case, I have made 2 late payments already as the emails are sitting in my mailbox and I have forgotten to pay my bill. Therefore, they are collecting late fees and interest charges on my account. Up to now, I have never had a late fee or interest charged to my credit cards as I always pay all my bills on time. This should be illegal and Mastercard should not be allowed to charge consumers to send out paper statements. They should be ashamed of themselves on how much they make that they can't afford to send out paper statements. This should be stopped and we should be reimbursed for any late and interest charges that the consumer has incurred due to this new policy. This is the only Mastercard I own and I am happy that i don't own any other. This should be stopped before all other credit cards incorporate this policy.
Product: Debt collection

On XX/XX/2021, I submitted a dispute to XXXX, disputing a debt in the amount if {$610.00} that is being reported by Consumer Adjustment Company. On XX/XX/2021 XXXX stated that the investigation was complete, and that the debt was validated. I sent a certified letter on XX/XX/2021 to both XXXX, and to Consumer Adjustment Company requesting debt validation. Consumer Adjustment Company never replied to my letter. On XX/XX/2021, XXXX stated that the second investigation was completed, and gave the EXACT same response, that the debt has been validated, but failed to provide me with information on how they validated the debt. They didnt because they did not validate it to begin with because the debt is NOT mine. I called XXXX about receiving the same results and spoke with a representative that told me that they can try to validated again. That makes no sense to me when they were supposed to be validating it after the first request. This is consistently being reported and negatively impacting my credit, and yet neither company can show proof that this belongs to me. That is because it doesnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account XXXX # XXXX has 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 card or prepaid card

I submitted a fraud claim to Bank of America on an XXXX prepaid card I never recieved was told it would be investigated and would receive a provisional credit or answer within 10 days 18 days later I keep getting told different things that it would be settled up to 45 days other bank representatives said 90 days I asked for a reason why a provisional credit as it states in their literature while the investigation is going on no acceptable answer no reason issued asked for supervisor was that it does no good because the supervisor is going to say the same thing I asked in one case 4 times while on the phone I kept being told well the supervisor is going to say the same thing and than I would say well I would to talk to a supervisor please its like round and round etc my claim # is XXXX