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

My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting

XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It XXXX Concern : XXXX XXXX, XXXX Experian XXXX. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Box XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The following creditors have made unauthorized inquiries onto my credit report. 
Please contact these creditors and provide me with a complete written explanation for precisely why they have obtained my consumer credit report. I did not authorize these credit reports to be obtained and I want an explanation : XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX
Product: Checking or savings account

I received a letter from Bank of America at my home to sign up for a Bank of America checking account and I will get a {$300.00} bonus after {$4000.00} was deposited into my account via direct deposit from my employer. 

I open my account in XXXX of this year and met all the requirements by XXXX but never received my {$300.00} bonus. 

After finally getting someone on the phone they say that they couldn't find any bonus offer for me and then told me I will have to wait 30 days for them to look into it and send {$100.00} when the offer was for {$300.00} not {$100.00}. 

I was advised if I could find the letter which was several months ago I could take that to a branch I might would send it to the XXXX area but of course it's been since XXXX and I no longer have that letter.
Product: Debt collection

I am writing to file a formal complaint against Westlake Financial for Non-Compliance, False Information, and Negligence in Handling Disputes. Westlake Financial a financial institution, failed to comply with their own policies, violation of laws and regulations, and the willful and negligent mishandling of my dispute. Westlake Financial has failed to provide me with the 1099-C form, despite my numerous specific requests and efforts to retrieve such important documentation. The IRS Definition of an 1099C is used to declare amounts of {$600.00} or more that is forgiven or canceled by a lender or creditor, including the abandonment of secured property or a foreclosure. This lack of compliance with tax reporting obligations hinders my ability to fulfill my own legal and financial responsibilities. Westlake Financial has provided me with false and misleading information regarding the resolution of my dispute and the issuance of the 1099-C form. Despite assurances of communication via email, I have not received the promised information. Furthermore, they have ignored my certified mail requests, displaying a willful and negligent disregard for my concerns. I have made numerous attempts to contact Westlake Financial regarding my dispute and the issuance of the 1099-C form, and they have consistently failed to respond in a meaningful and timely manner. Their repeated assurances of email communication have proven false, and their failure to acknowledge certified mail requests demonstrates a lack of commitment to resolving consumer concerns. Enclosed with this complaint, please find the following supporting documents : Copies of correspondence with Westlake Financial regarding the dispute and the 1099-C form. Any relevant documentation submitted during the dispute process. Proof of attempts to contact Westlake Financial, including certified mail receipts. The IRS explicitly states in the Instructions for Forms 1099-A and 1099-C that each creditor responsible for a portion of a canceled debt of {$600.00} or more must issue a Form 1099-C. As you are aware, the debt in question fulfills this criterion, and your failure to provide the necessary documentation is both irresponsible and in violation of federal regulations.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX Account Number : XXXX Company or Organization : XXXX  Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Im getting misleading VA loan advertisements in the mail. I happen to be a XXXX  XXXX  and take offense at these deceptive practices by second tier lenders. They are targeting an at risk population ( Veterans ). Please look into this. Thank you, XXXX XXXX XXXX XXXX
Product: Mortgage

Nationstar Mortgage Company/Mr. Cooper calls my phone without leaving a message bugging me about refinancing my loan. They also call about my payments when I am not even close to being at the date where I'm charged late fees. They've gotten in trouble for this previously and I've asked them not to call me.
Product: Mortgage

I tried to do a loan modification with SPS. SPS is stating to me that because I had other reviews in the past the investor says I am not eligible. I next submitted a short sale and SPS approved this short sale. I had several judgments and liens to get cleared up in order to make the closing on time. We got 2 extensions from SPS and when were ready to close we asked for a 1 day extension and SPS declined this extension. 

SPS then closed the short sale review. The very next day we resent the entire short sale file to SPS and they stated the investor which is the XXXX XXXX XXXX XXXX XXXX would not open a second short sale review per their guidelines. I spoke to XXXX XXXX XXXX XXXX XXXX  and they stated I am eligible for a short sale because there is no sale date within 37 days of the review and they told me to resend the file to SPS. 

It seems SPS is making up rules on their own rules as I spoke to some of their other clients who have SPS but a different investor and SPS is telling all clients they are not able to do a second short sale review because the investor only allows one review, no matter who the investor is. SPS should open my short sale review. I am eligible and they refuse to confirm this with XXXX XXXX XXXX XXXX XXXX. They should also open the review because these short sale documents were submitted 37+ days prior to any scheduled foreclosure sale date. 

This is unfair to me, the buyer, and all parties involved in this short sale.
Product: Debt collection

A Caller claimed to be from " TSI '' according to the Caller ID. The number was XXXX they were trying to get information out of me and whenever I kept asking them what was about it they were ignoring my questions and became very demanding. I hung up the phone and blocked it. I ask this number be taken down so it doesn't go after me or anyone else.
Product: Mortgage

Ever since my mortgage transferred over fro m America 's Home Servicing Company to Wells Fargo Home mortgage several   months ago, I have been unable to log into my mortgage account. I have contacted customer service about a half dozen times and no one can help me and does not know why my mortgage account can not be accessed. I just tonight spent about 2 hours on the phone and was transferred among 6 different numbers and spoke to about 8 people, all of who either had to transfer me, due to lack of knowledge or access, or just could not figure it out. I have not had access to my online mortgage account now going on 3 months and I need to get in to review statements, tax docs, rates and other terms of my mortgage account. The last interaction I had with Wells Fargo tonight was that someone was going to put in a trouble ticket and get back to me in 10 business days. Completely unacceptable
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, 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 and 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX card violations attached XXXX  taking more than 30 days engage in unfair, deceptive, abusive, or other practices that violate the statute. FDCPA 814, 15 U.S.C. 1692l. Under the FTC Act, the FTC may investigate and take law enforcement action against entities that, in connection with collecting on debts, engage in unfair or deceptive acts and practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled numerous complaints with Equifax. Equifax has finally responded by removing the 3 loans that were originaly XXXX XXXX XXXX XXXXs # XXXX which were well over 7 years old. XXXX XXXX XXXX XXXX then sold these same 3 loans to XXXX XXXX XXXX These 3 loans have not been removed. They are the same debt that XXXX continues to sell over and over. Selling the same loan over and over destroys my credit and is against the law to do. Equifax still has all 3 XXXX XXXX XXXX on my report last dated XX/XX/17. I have previously stated that they be removed. Equifax continues to be difficult to deal with upon this issue. XXXX and XXXX had the decency to remove them quickly. Why has n't Equifax done so? Equifax continues to drag their feet and it is costing me {$21000.00} in extra interest to be paid because loan rates have gone up and i ca n't qualify with these 3 loan debts which I have asked repeatedly to be removed. I am going to ask for in punitive damages if this does n't get fixed promptly. I am XXXX years old living on a fixed income and need to refinance my house but the the game playing by Equifax still continues.
Product: Mortgage

I purchased my home in  XX/XX/XXXX . Currently I am out of work and struggling to make my mortgage payments. My last day worked was  XX/XX/XXXX . In  XX/XX/XXXX , I contacted the Illinois  Hardest Hit Fund  program and applied for mortgage assistance. Meanwhile my lender Ditech Financial LLC contacted me by mailing forms for Loss Mitigation which I did not complete or sign.  Ditech  's customer service is very poor and every time I called Ditech 's customer service to find out if there was any communication from Illinois  Hardest Hit Fund, n o one could provide an answer. Finally I received an email from my Illinois  Hardest Hit agent   XXXX   XXXX  in the  XXXX  office that Ditech rejected the payments from Illin ois Hardest Hit p rogram stating that I was in an active loss mitigation.   Therefore the Illinoi s Housing Development Authority d enied my application. I currently have been writing letters and faxing  Ditech i nstructing them to accept the payments from Illinois  Hardest Hit fun d and stating that I have not agreed or will agree to loss mitigation with Ditech .  The dates that I have sent letters and faxes are  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . I have asked for an appeal as is my right with Illinois  Hardest Hit Fund a nd gave them copies of letters sent to Ditech. Ditech is not responding and I believe that Ditech would rather foreclose than accept the state funds from the Illinois program.
Product: Credit reporting or other personal consumer reports

While checking my TransUnion credit report recently I found out that the following inquiries has been made on my credit report are without any of my knowledge or consent. I believe I am victim of identity theft. So I am asking the agency to remove these inquiries as soon as possible. Thanks. 

XXXX  ( Bank ) - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN card.
Product: Debt collection

I am writing to file a complaint against TrueAccord, a debt collector, for violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Electronic Communications Privacy Act ( ECPA ). I was initially concerned because, on XXXX XXXX, 2023 at XXXX AM PST. I received an unsolicited email from TrueAccord regarding a debt that I allegedly owe to XXXX XXXX. Upon further review of the contents of the email, I realized that TrueAccord also violated several provisions of the FDCPA. 

Specifically, the email contained the following violations : Unlawful contact by email : The Electronic Communications Privacy Act ( ECPA ) prohibits debt collectors from contacting consumers by email without their prior express consent. I did not provide TrueAccord with my consent to contact me in this manner. 
Threatening to assume the debt is correct if the consumer does not dispute it : The statement " If you do not, we will assume that our information is correct '' could be seen as a threat to assume the validity of the debt without giving the consumer an opportunity to dispute it. This is a violation of my rights under the FDCPA.

Failure to provide validation notice : The FDCPA requires that debt collectors provide consumers with written notice of their rights to dispute a debt within 5 days of the first communication. The email did not contain this information, and I was not informed of my right to dispute the debt in writing.

Threatening to take action that is not legally allowed : The statement " We will use any information you give us to help collect the debt '' could be seen as a threat to take action that is not legally allowed, such as contacting the consumer 's employer or family members. 
Using unclear language : The statement " Call or write to us by XX/XX/2023, to dispute all or part of this debt '' is unclear and could be misinterpreted by the consumer. 

Use of obscene, profane, or other abusive language : The email contained language that was abusive, threatening, or otherwise harassing in nature, which is a violation of the FDCPA
Product: Credit card or prepaid card

Chase are blocking access to my account thus preventing me from making timely payments thus causing unnecessary late payment fees to apply. Also, they do not have the right to force a customer to pay for telephone service in order to access his account. 

I can't get into my account to pay my credit card because I do not have a telephone now to get a code to use in addition to my password. I am now living in XXXX for a while, and I don't yet have a telephone number. My old telephone numbers are not valid. 

Chase do not give an email address for contacting them about this problem. They only give a telephone number, and I can not call them using a public pay phone. Even if they had a foreign toll-free number, I can not stand out in the sun inserting coins in a pay phone to make a foreign telephone call to them. 

With this Catch 22, they are able to collect late payment fees because I have no way to pay off the small balance on my Chase Credit Card.
Product: Debt collection

I received a letter from Wakefield and Associates on XX/XX/2021 regarding a debt that I could not identify as being mine. I immediately responded and mailed a request a validation that the debt belongs to me. Almost a month later, the company is still calling me even though I already told them that I wish to be contacted by mail only, no phone calls or texts. The lady on the phone claims they never received this letter I sent and I said okay, well I will be sending a new letter and meanwhile do not contact me by phone, this account is being disputed. I immediately send the new letter on XX/XX/XXXX and request debt validation again. Come today, it is XX/XX/2021, I still have not received any response providing proof of the debt or any information I requested but they just reported the debt to the bureaus which to my understanding, while I am requesting this information, they can't report to the bureaus because the debt has not been verified that it belongs to me. I called the company and the gentleman I spoke to was very rude and arguing with me and told me they have no control over it reporting to the bureaus, which is simply not true. The man, XXXX, ended up hanging up on me. They have blatantly ignored all requests for further information regarding this account and went against my rights as a consumer and still reported the account to the bureaus. It has been 2 months and this company is trying to use stall and scare tactics to get me to pay for a debt that they can't even provide sufficient information that it belongs to me. I have been more than patient and gave more than enough time for them to provide this information.
Product: Mortgage

1 ). TIAA used incorrect figures to determine my escrow. Additionally, they claim they paid {$200.00} more than the county shows they paid. they did for both XX/XX/XXXX and XX/XX/XXXX tax payments. XXXX County shows tax payments recvd of {$4400.00} each year for XX/XX/XXXX and XX/XX/XXXX. However, TIAA has escrowed and charged me {$4600.00} for XX/XX/XXXX & XX/XX/XXXX. Where's my {$400.00}? 

I have repeatedly asked them to re-do my escrow and they respond by telling me their numbers are correct. However, they aren't correct. The payments being received by my county are clearly listed on the XXXX county property tax website. How do I get them to stop overcharging me and refund my money? 

2 ). There is no way to contact this company. They are supposed to be available until XXXX at night to take mortgage support questions, however, whenever I call after XXXX there is no one available to take my phone calls. They say they will call me back after XXXX the next day, but that hasn't happened once. They only attempt to return my phone call early in the morning when I am at work and can't take the call. I need an e-mail address or an after hour phone number to call where someone can actually answer my call and resolve the issue. Their support hours are clearly indicated on their website, however, they don't honor them.