23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

falsefiling1 ; XX/XX/2018 In law, GAAP, generally accepted accounting standards require businesses that issue financial statements to the public adhere to the principle of permanence of methods : Consistent procedures are required to be used in the preparation of all financial reports.However, the Union Bank will conflate various kinds of charges, i.e., principle, interest, even false or disputed charges, assisted with multiple accounts in the customer 's name, to conceal disputed and false filings in violation of law. And then holds the customer hostage to paying the false filings by refusing to record the payment unless the false filing is accepted.The Bank Has already made an admission that approximately {$5000.00} was incorrectly charged to my account by false filings and had made appropriate revisions.That is indeed progress ; but the same accounting techniques are still continued to be used. 
The Bank is still conflating principle and the few remaining disputed charges, in order to pressure this customer to pay up, without further investigation, ( something that is generally called extortion ), and it puts an end to lingering optimism. This is, of course, considered illegal by California statutes, but the Bank believes that it has impunity although it is evidence of bad faith and petty theft. 
Recently, an unresolved charge of a few hundred dollars was added on to a mortgage payment, but acceptance of the payment is made contingent on acceptance by the customer of the false charge. It is required to be paid without protest and definition or recognition of a dispute in its entirety. When a mortgage is transformed into a partial payment It is one way of twisting customers arms by piling on interest ; it is a method that the Bank considers effective and seems to work for them, although extortionate for obvious reasons.
Product: Debt collection

I signed up with XXXX XXXX at XXXX XXXX in XX/XX/XXXX for a bi-weekly fee of {$25.00}. 

In XX/XX/XXXX, I submitted my verbal request to not renew my membership to an employee by the name of XXXX. XXXX assured me that my membership will not be renewed, however this was all verbal. 

I came to find that I was still being charged in XX/XX/XXXX. I disputed the charges and when I spoke with the general manager of the gym XXXX, he denied ever receiving the request to not renew the membership. He informed me that I still owed the XX/XX/XXXX charges and that I would need to submit a written cancellation with a one month notice. 

On XX/XX/XXXX, I paid the two charges that I Disputed earlier in XXXX as well as the next two weeks for a grand total of {$75.00}. 
( proof of payment attached, " XXXX CC Statement '' ) On XX/XX/XXXX I also submitted a written cancellation with month 's notice that was signed and received by XXXX from XXXX XXXX ( attached, " XXXX Cancellation Form XXXX '' ). 
Proof of receipt of cancellation on XX/XX/XXXX is attached as the cancellation form was emailed to me by the XXXX XXXX email address ( attached, " email proof '' ) On XX/XX/XXXX I paid {$45.00} for the final two weeks of the membership. This was {$20.00} higher than my membership price. ( proof attached, " XXXX CC Statement '' ) On XX/XX/XXXX, one month after submitting my written cancellation, I was charged again for {$45.00} On XX/XX/XXXX, I was charged ANOTHER {$45.00}. 
I disputed the XX/XX/XXXX and XX/XX/XXXX charges with my bank and received my refund. 
Proof attached of XX/XX/XXXX charges and XX/XX/XXXX charges + reversals of XX/XX/XXXX and XX/XX/XXXX -> " XXXX CC Statement '' Now, the financial solution company of XXXX XXXX XXXX XXXX XXXX ABC Fitness Solutions , is emailing me and calling me nonstop saying that I owe them {$210.00} This sparked an email thread between myself and XXXX XXXX  and ABC Fitness Solutions . I demanded Debt Validation 4 different times and was ignored completely by both parties. As per the attachments to this complaint, I paid all my balances and was even charged extra. After 17 emails, I have yet to receive proof of debt from neither XXXX XXXX nor ABC Fitness Solutions. Conversation is attached " Email Thread ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem with this account is that it was shared without my consent to the credit bureaus not that there is any inaccuracy. XXXX does not have my written consent to share this account and they are continuing to do so. According to the Fair Credit Reporting Act, XXXX is in violation of my rights, this corporation is reporting transactions ( payment history ) on my consumer report. According to 15 U.S.C 1681 2A paragraph 1 states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. 15 USC 1681 also states that I have the right to privacy, with this account being shared to the bureaus this violates my privacy rights.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX .... 

This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. 

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681.

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification.

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor. 
- Documentation showing that your agency is authorized to collect this debt. 

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA.

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency. 

WHY IS THE BALANCE {$1200.00} WHY IS THERE A DATE OPENED OF XX/XX/year>? BUT YOU ARE BARELY REPORTING THIS ACCOUNT ON MY CONSUMER REPORT? 
THIS HAS ALREADY BEEN DISPUTED AND REMOVED YOU ARE NOW REAGGING THIS ACCOUNT BY RE INSERTING THIS ON MY CONSUMER REPORTS WITHOUT NOTIFYING ME OF SUCH ACTION. DELETE IMMEDIATELY AND PAY MONETARY RELIEF FOR YOUR VIOLATIONS UNDER THE FCRA AND FDCPA
Product: Credit reporting

Account was included in bankruptcy but not being listed as such. 
Account is being reported as open Limit, left blank Closed date, blank Companies both verified that this false information is true, and made no changes
Product: Debt collection

This is not a complaint. Its acually a request for help. This situation is being overwhelming for me now. This is about a mortgage account. The account information is the following : Specialized Loan Mortgage account # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$390000.00}, joint account. 

We have a perfect payment history on this account since it was opened in XXXX ; until XXXX and XX/XX/XXXX that I was marked late. XX/XX/XXXX payment was received on XX/XX/XXXX but they marked it as received on XX/XX/XXXX, and XXXX, payment was received on XX/XX/XXXX, but they marked the late again! 

The issue was that we made payments before we were over 30 days late, but the lenders system took the payments in for the next day. 

Also, I called in XXXX to get a deferment due to income being affected, and being quarantined due to Covid, but I was put on hold for hours and could never get through. 
This was lenders negligence and unfair business practices, they were giving deferments but he could never get through on the phone to get deferment. 

Finally, when I got through months later, they said that I could get a deferment now for the coming months but not the previous months. Therefore I couldnt get a deferment. They need to backdate deferement and mark my account current for months of XXXX and XXXX. We are living dificult times, and I hope to get a fair solution to this matter. I am requesting to get the XXXX late payments corrected. 

Thank you so much.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I requested XXXXXXXX XXXX XXXX XXXX  XXXX ) to transfer funds to my XXXX bank account in XXXX. The transfer was initiated with the following details : Account Holder Name : XXXX XXXX XXXX Number : XXXX Wire Reference Number : XXXX XXXX  Account Number : XXXX Incorrect XXXX XXXX provided : XXXX ( instead of XXXX ) XXXX XXXX provided was for XXXX XXXX XXXX XXXX ( XXXX ) instead of XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX informed me that the wire transfer was completed on XX/XX/year>. However, I have not received the funds. Upon investigation, I discovered that the XXXX XXXX provided was incorrect, and the XXXX XXXX used was for XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX. By the given information atleast it should reach till XXXX XXXX XXXX and they can manually redirect to my correct account. 

I informed XXXX of the issue, and they asked me to provide the correct details to initiate the recall/return process. I shared the correct details, and then XXXX attempted the recall, but it was rejected. 

I requested XXXX to investigate and locate the funds based on the XXXX file shared by XXXX. XXXX investigated with various teams and concluded that they haven't received any funds for the shared XXXX file. XXXX claims they sent the funds, while XXXX claims they haven't received them. My money appears to be lost in between. 

Your prompt assistance in resolving this issue would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and Im writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please find the only correct information that should be reported or listed on my credit report. Please update all personnel information. 
My name is : XXXX XXXX XXXX My Social Security Number is : XXXX The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX only employed at : XXXX XXXX
Product: Mortgage

We currently have an open CFPB Complaint # XXXX on a matter of dispute with our loan servicer, Pennymac. Despite the matter being in dispute, this company wrongly charged our escrow account {$600.00} for payment of a disputed appraisal. The company has patently ignored the bonafide information we provided them to validate our complaint ; neither have they provided the name of the appraisal management company involved in order that we have opportunity to contact them on the matter. There is NO reasonable justification in law or equity why we should be required to pay for a fallacious appraisal. We have notified the company that we dispute this charge. We feel that the company should be compelled to reimburse our escrow account in the amount of {$600.00} until such time as the appraisal is fully corrected and revised to include all comparable sales data we provided Pennymac and the matter is resolved through the CFPB process. The company 's wrongful action will now lead to a shortage in the escrow account resulting in an incorrect escrow analysis and payment adjustment. We note that this company had incorrectly established an escrow account when last they performed their analysis in XXXX XXXX. Despite our contacting them to revisit this, they did not, forcing us to do our best to calculate the correct amount needed for escrow each month and submitting roughly an extra {$300.00} per month to preclude a shortfall.
Product: Mortgage

On XX/XX/XXXX the company called New Day USA told me they had a special consolidation offer that they only provided to veterans, which I am. They would consolidate all my bills including the mortgage and I would pay XXXX monthly payment. I asked them if I could leave out the mortgage and consolidate the other debts and he said the bank would not approve the loan without the mortgage. 

I am XXXX XXXX XXXX and have had a series of strokes. 

I signed the contract and the closing date is XX/XX/XXXX. 

I started looking for new homes because my doctors have recommended that I move from my XXXX story condo, because I have on the stairs twice. But on my pension and social security, I can not find a condo I can afford, so I am going to have to sell my condo and then rent an apartment. But with that contract I signed I can not do that. So I looked them up and found they can not do any business in New York XXXX. They so found other lawsuits. They are trying to close this and payoff my mortgage quickly so that I am stuck. They will not return my messages. If they pay off and take over my mortgage, I can not get out of it and XXXX be living in a home that is unsafe for me that my doctors want me to leave. The VA can not help. My bank can not help and even lawyers who not help. XXXX stuck
Product: Checking or savings account

On XX/XX/2022, I signed up for an Albert account. After opening my account, I referred two individuals who proceeded to open accounts on XX/XX/2022 and XX/XX/2022. These two referrals were conducted under a promotion where both parties would receive a {$500.00} bonus after meeting basic terms such as establishing a direct deposit and making debit card transactions. While I did ultimately receive my own bonus for opening my own account on XX/XX/2022, I never received any bonuses for making the referrals I made after my account was opened. After realizing this, I reached out to Albert on XX/XX/2022 to advise them of this issue. They advised that these individuals did not use my referral link which is not accurate in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out letters to the creditors that's on my credit report requesting debt validation. To this day they have failed to to so. These erroneous allegations have severely impacted my credit scores and my mental health as I am constantly being denied credit because of this. 

I've also sent letters to the bureaus disputing the false reporting and nothing has been done. 

I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when I was declined for a credit card last yearXXXX and this year, XXXX and came to learn that I became a victim ofIdentity Theft. I can remember that I tried to get a loan through an online service in XX/XX/XXXX and before this time, and I suspected that as a scam. I believe that at that time they stole my personal information and used it to open multiple accounts and did inquiry also. I am listing them below, which are not authorized by me. Also, I have done a police report and fi led a complaint because I wanted to ensure that I was not liable for these fraudulent activities and wanted to ensure that these fraudulent account listed in the police report and Identity Theft Report are blocked from my credit report with XXXX, Experian and XXXXThe Fraudulent Accounts Include : XXXX XXXX-Account Number : XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX XXXX-Account Number : XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX/DEP OF ED-Account Number XXXX XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX-Account Number : XXXX ( DATE OPENED : XX/XX/XXXX, AND XXXX XXXX XXXX-Account Number : XXXX, ( DATE OPENED : XX/XX/XXXX XXXX
Product: Debt collection

I was checking my credit report and noticed there was a statement bought debt I never received any information and I have no idea about what is listed with the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021, I submitted a request for proof of this bankruptcy on my credit report to all third party agencies.And they were not able to supply proof as to how they retained such information so XXXX XXXX Deleted it from their Database and sent me proof that it was deleted. I sent that proof to all three major credit bureaus that as of XX/XX/2021 it has been removed from they place they claimed they got it their information from so why are they still reporting this lie? XXXX told me and gave me a number for XXXX XXXX to call them and said thats the only way it would be removed from my credit. XXXX XXXX said we dont call credit companies.I want to know how are they investigating something that is no longer in the database? And E Oscar is not a legitimate companyI need this bankruptcy removed for it is defaming my name and credit just remove this obscenity from my credit report all three credit companies it was an error so just remove it from my report instead of making like your disputing it with a real company because again E Oscar is not legit.XXXX removed for. Third party agencies and I never gave no one permission to put nothing on my credit report no how so why be so nasty and trying to defame with this.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus again a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct this account : XXXX XXXX Balance : {$22000.00}
Product: Checking or savings account

XXXX XXXX there where some unauthorized charges on my account. I contacted chase and was reimbursed and now the charges are back on my account. After calling chase they informed me that I need to submit proof of where I was, but how can you submit proof if the only thing there looking for is if you where out of town or a doctors appointment. I think its unfair to charge someone for fraudulent purchases
Product: Credit card or prepaid card

I applied for a credit card with USAA as a company that offers XXXX banking and credit services. At the time of application, I had and continue to have fraud alerts on all XXXX credit repositories, as opposed to USAA contacting me to verify it was me that submitted the application as XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX all did, USAA has me in their data base of having a credit risk problem with them before dispute never having and account or verifying that it was me that submitted the application for a visa credit card ( which I did ) per ECOA, FCRA. I currently have XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX active credit cards with fico scores over 700. USAA is preventing me, a veteran from accessing services they earmark specifically for Veterans by saying they've had a consumer problem with me before solely based on USAA not doing the phone verification on the submission I maid applying for a USAA visa credit card. Because USAA has my profile listed as such, they won't even give me commercial insurance quotes for my business.
Product: Credit reporting or other personal consumer reports

Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has continuously neglected to remove fraudulent listed accounts from my credit file, XXXX XXXX XXXX XXXX Judgement of repossession, Public Record/ - {$7400.00} XXXX XXXX XXXX  Pre paid card- {$330.00}. 
XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$30000.00} XXXX 's XXXX All Accounts, and alternate names such as XXXX XXXX XXXX {$820.00} XXXX 

I have filed a Police Report, report number # XXXX which is backed by the Federal Trade Commission, On all accounts listed showing up fraudulently ony credit report to that TransUnion are to remove immediately upon receipt of the Police Report, and Federal Trade Commission report numbers This is the first legal ( paperwork trail/ form of Documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to request bankruptcy reports to be removed, due to they were terminated, now dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter of dispute to Equifax by certified mail and it was received by an agent on XX/XX/. I recently received a notice from Equifax stating that they have no information on file for me based on the information that I submitted, which by the way was a notarized letter. 

I DO NOT understand why Equifax would even claim that my information does not exist. 
See attached letter and certified mail receipt. I believe that this is a stall tactic. 

The information reported on my consumer report ie : XXXX XXXX with a truncated account number XXXX. This is a duplicate account and it appears that I have 2 auto loans when in fact it should only be reporting XXXX XXXX acct # XXXX. XXXX XXXX took over the account from XXXX XXXX. XXXX XXXX account information is reporting accurately and should remain on my consumer report, however, XXXX XXXX # XXXX needs to be deleted. The XXXX account balance is incorrect as well.
Product: Debt collection

Please remove the fraudulent account from my credit file. See attached Documation.