23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The property mortgage is in XXXX XXXX XXXX who is my deceased mom I am currently residing in the property and I want to maintain ownership of my moms house. I 've submitted several modification request to the current mortgage company after being unsuccessful with them not processing my request a property foreclosure sale date was set for XXXX/XXXX/XXXX. I contacted an attorney and he filed a injunction with chancery court of XXXX XXXX XXXX/XXXX/XXXX. XXXX and XXXX the foreclosure attorney moved forward with the foreclosure XXXX/XXXX/XXXX even though I had a signed order from the court not to foreclosure
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open account associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open account issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open account on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities.

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter.

I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX Balance Owed : {$12000.00}.
Product: Credit card or prepaid card

I spoke wit h a Chase c ustomer service representative on  XXXX   XXXX ,  2017  or so regardin g my Chase Sapphire Preferred card. I told the representative that I wanted to close my account and asked about a refund of the {$95.00} annual fee. He told me that the {$95.00} annual fee had no t yet been paid and that it would be automatically be withdrawn from my bank account on the due date for my most recent statement which was  XXXX   XXXX ,  2017 . He told me that I had 30 days from  XXXX   XXXX ,  2017  to close the account and obtain a refund of the {$95.00} fee. I said, OK and decided to give myself more time to consider closing the card. On  XXXX   XXXX ,    2017  at approximately  XXXX    XXXX   EDT, I spoke with another Chase representative to report  XXXX  fraudulent charges on the card and decided at that point to close the card rather than have her reissue the card. She closed the card and transferred me to customer service regarding the {$95.00} fee. The representative to whom I was transferred told me that I was eligible to receive a refund of the fee and that I would see the refund on m y account within one to two billing cycles. I asked how, if the account was closed, they could refun d the fee to that account. She said the refund would post to the account even though it was closed and that I could then request a check or have the {$95.00} credit transferred to another Chase card. Today,  XXXX   XXXX ,  2017 ,  Chase sent me a secure message telling me that I will not receive the refund. This is unacceptable. Chase representatives twice told me that I would receive a refund and I expect Chase to honor the statements made by their own reps. Phone calls to Chase representatives are recorded and I expect that what I am saying can easily be confirmed by listening to the recordings. Also, please be informed that I intend also to record all of the calls I make to Chase from now on .
Product: Mortgage

I have received 9 Calls from this company over the month of XX/XX/2024 ( actually the company 's computer because they do not allow a live representative to take a call ) when I made my XX/XX/2024 payment -before the due date on XX/XX/2024. There is {$570.00} missing from my escrow account. I have never missed a payment, infact, I pay each forth coming month on the XXXX of each month ( 4days before due date ).
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 XXXXXXXX Account name : XXXX  XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX. XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX  XXXX. XXXX Account name : XXXXXXXX XXXX XXXXXXXX 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: Mortgage

had previously used XXXX  and the answer from the mortgage company was incorrect sent into XXXX a copy of the appeal with an explanation.
Product: Bank account or service

In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade XXXX and as a result violated numerous provisions of California FINANCIAL CODE SECTION XXXX. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the bureaus in regards to the 4 collection accounts not associated with me along with inquiries that was ran without my knowledge or consent, I advised they do a proper investigation, XXXX removed the accounts that were not associated with me but hasn't removed the inquiries, XXXX and Experian has the following collection accounts and inquiries reporting that aren't mines. I attached the police report along with this to get it resolved.
Product: Credit card

There aremultiple fraudulent transactionsin mh apple account made by an app through my apple account for XXXX  of dollars. I disputed all transactions and some they already refunded me for but there are still thatlingers and apple cards proof is a receipt using my apple a count of course there are receipts from my apple account because that is what I am trying to dispute so Done used my apple account that is linked to my apple card to make purchases from an app that I never authorized. Please help me. Everytime I dispute thesetansactions it seems like thedisputedecision is automated after certain time have passed.
Product: Payday loan

I bank with XXXX XXXX XXXX in XXXX California. I recently took out a loan with Speedy Cash. I sent an email to Speedy Cash on XXXX XXXX, 2015 requesting that they stop all ACH withdrawals immediately. They ignored that request and debited my account for {$250.00}. I was in the process of making small weekly or bi-weekly payments to them. I had even spoke to them on the phone. They had agreed to stop ACH withdrawals and then went ahead and did. It is my understanding that once a request is made to end ACH withdrawals, a lender must comply with that request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX XXXXXXX Date Opened>>>>> XX/XX/2009 XXXX XXXX XXXX XXXX Date opened>>>> XX/XX/2009
Product: Debt collection

I received an email from a collection company In XX/XX/2019, nothing via mail only email advising that I owed a debt. I immediately contacted them and advised them that the debt was not mine and i had no knowledge of said debt. I asked and probed for more information and all the information they had on file was incorrect. Including address, DOB, phone number. The representative did not even have a full Social security number and advised the debt was initiated via online. I requested proof and/or any documents associated with debt and was advised they did not have ZERO documentation everything was done online. I told the representative that I was disputing said debt and she notated it, not even 30 days later, the debt appears on my credit report. My rights as a consumer have been violated 1 ) i did not receive proper notification via mail 2 ) I contacted the company and disputed the debt and have not been given any proof of debt as requested as well as time and opportunity to show debt is not mine 3 ) Credit history has been affected ... I am requesting that the CFPB take a look into the practices of collection agency and demand proof of debt. If unable to provide, please remove from credit profile with all three credit bureau agencies.
Product: Money transfer, virtual currency, or money service

Hello, I have been dealing with Gemini Trust Company LLC since XX/XX/2021. They run the app Gemini. It promises easy and secure buying, holding, & selling of various crypto currency 's. So far i have only seen that they are good at TAKING & HOLDING YOUR MONEY. It is extremely easy to set up your debit card/bank account. They will TAKE your money within seconds. But even after 3 months of trying to verify my card/bank ( that did work for depositing funds ) I have been unable to get back my money in any form USD or crypto. I have tried multiple accounts to transfer it out to. They say all are invalid. I have tried to email them 4-6 times over the past few months, they only automatic responded twice after that they just stopped responding to all my messages. I have invested {$110.00} into the account & have provided all the transaction proof in the documents, Along with one picture showing proof that they are saying a valid address is invalid, I have provided a buying order to show that they have taken money from me, & I provided one of there automated messages. Please help me I don't know what else to do at this point i hope I have provided enough information.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX  Account Name : XXXX XXXX XXXX # XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXXXXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX NA XX/XX/XXXX
Product: Credit card or prepaid card

I had an order from XXXX XXXX that was received in XXXX of XXXX and the seafood portion of the order was bad. XXXX XXXXXXXX agreed to refund me a partial credit for the food that I was not able to use. The credit was in the amount of {$61.00} on XX/XX/XXXX. I received an email confirmation from XXXX XXXX regarding this credit and as of today it has still not shown up on my Fifth Third Credit card. I was told by XXXX XXXX that the issue is on Fifth thirds end since they have processed the credit on their side. I opened a claim with Fifth third and as of today XX/XX/XXXX I still have not received credit for this. I have sent them the confirmation email as well. 

There is no reason 5/3rd cant credit me back the {$61.00} and chargeback XXXX XXXX due to the confirmation email I have sent to them from XXXX XXXX. This has been going on since XXXX and its now XXXX. They have been taking way too long to resolve this issue. Please help to get my credit back. 

Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated an international money transfer with Western Union from my XXXX XXXX XXXX account to my recipients bank account in XXXX. Western Union stated the funds would arrive by XX/XX/year>. However, the transfer has yet to be completed. Despite multiple follow-ups, Western Union has only assured me that they are working to resolve the issue, with no updates or estimated resolution date provided. 

Additional information : - MTCN XXXX - TICKET ID : XXXX
Product: Credit reporting or other personal consumer reports

sold to and bought by a third party ( collection agency ) and i have no liability to a third party because i do not have a signed contract with XXXX XXXX. please provide me with the direct contract in which it is that they have with XXXX XXXX that they are authorized to collect for them, and not just a company that bought a debt. Because this debt was sold to a third party agency that means the account was a charge off therefore it will be considered income and income can not be reported on my credit report because it is now a Certificate of Indebtedness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off from my job so I called XXXX to tell them I'd be late paying. They supposedly marked it down. About 60 days later, I don't think it was even that long, I got a letter from XXXX a debt collector. I paid that day. It was only {$60.00}. They actually sent it to the credit agencies. It's been XXXX yrs now and it's crippled my life in many ways. My XXXX  would be XXXX, it's about XXXX because of this inaccurate information. I've called XXXX several times, disputed this with all XXXX bureaus and also hired XXXX XXXXthey we're totally useless. It says XXXX balance but it has a delinquency on my reports. I've tried everything ... How can 1 company have all this power over someone's life?? It's a utility in case I didn't mention that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I received news that Equifax was hit with a major hack a month prior, in which personally identifiable information ( SSN, full name, address, driver 's license number, etc ) was stolen. After following a link to an Equifax-established website regarding this incident ( equifaxsecurity2017.com ), I was able to confirm that I was a victim of this data breach.
Equifax is offering a year of free alert monitoring and identity theft protection as the only appeasement for their negligent mishandling of personal information, and has stipulated in the website 's terms of service that enrollment in such appeasement waives all rights to sue Equifax or participate in a class-action lawsuit against the company.
Equifax mishandled my personal, financially-critical information and failed to notify me in a timely manner. As a result, me and nearly 150 millio
n other Americans are at a very high risk for identity theft. I have trusted the company with highly-sensitive information, and the company has betrayed that trust outright.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

What happened? 
In XXXX and XX/XX/year>, I made XXXX payments to Easy Acceptance , Inc., the financing company for my car loan : {$290.00} on XX/XX/year> ( Receipt # XXXX ) {$280.00} on XX/XX/year> ( Receipt # XXXX ) {$280.00} on XX/XX/year> ( Receipt # XXXX ) In XX/XX/year>, my bank account was compromised due to unauthorized activity. As part of the fraudulent actions, disputes were initiated for the payments made to Easy Acceptance , Inc . I immediately contacted my bank to clarify the issue, and they confirmed that the disputes were canceled, and the funds for the disputed payments were returned to Easy Acceptance, Inc. My bank has since closed the case and provided confirmation that Easy Acceptance received the funds.

During this process, I was informed that the payments were no longer recognized, and I was required to pay the disputed amounts again in cash, in addition to a repossession fee of {$450.00}, as my vehicle had been repossessed. Despite requesting a detailed explanation of these charges, Easy Acceptance , Inc. failed to provide an itemized breakdown. The total amount I was required to pay exceeded {$1300.00}, which is far above the original disputed payments that totaled {$850.00}.

Easy Acceptance , Inc. stated that once the funds were returned by the bank, I would receive a refund for the duplicate payments. However, despite my bank confirming that the funds were returned to Easy Acceptance, Inc., I have not received any refund or clarification on the matter.

I find this handling of my account to be misleading and potentially unfair. There has been no transparency regarding the repossession fees or the excessive amounts I was required to pay, and the company has not honored its promise to refund me once the funds were returned.
Product: Credit reporting or other personal consumer reports

Please take action to block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts. As outlined in USC 1681g, I request their removal within 15 days. Relevant documents are attached for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 0VER XXXX of open credit. i used XXXX on a credit card. Equifax dropped my credit score by 47 points. XXXX dropped it also but by 3 points. I wrote Equifax repeatedly and they think they can do anything they want as you do nothing to them. I want Equifax investigated. If you look at my score and how it has dropped over 40 points many times in the past year for virtually nothing you will see. my name XXXX XXXX. XXXX ... XXXX ... ... XXXX ... ... .I am sick of how Equifax seems to think they can do this to any of us.I give you permission to look at my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Sir/ Madam, According to the " Fair Debt Collection Act '' ( 15 USC 1692 et seq ) provide verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with XXXXET-INK SIGNATURE SIGNED under the penalty or provide a copy of a judgement, sworn by the WET-INK SIGNATURE SIGNED under penalty of perjury that the foregoing is true and accurate copy of the original record with the appropriate public and government offices against claimant with twenty-one ( 21 ) calendar days of the receipt of the notice. 

Zuntafi Corp ( Debt Collector ) did not provide sworn by oath or affirmation with WET-INK SIGNATURE SIGNED under the penalty or provide a copy of a judgement, sworn by the WET-INK SIGNATURE SIGNED under penalty of perjury that the foregoing is true and accurate copy of the original record with the appropriate public and government offices against claimant in twenty-one ( 21 ) calendar days of the receipt of the notice.