23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am issuing a complaint about fraud on my ATM card. I traveled to XXXX X/X/2017 to X/XX/2017. During my stay in XXXX my ATM debit card became missing. I did not realize this until X/XX/17 or X/XX/17. I reported the incident to Bank of America as soon as i discovered the card missing and checked my account and saw erroneous charges. The charges that I am disputing as fraud begin on X/XX/2017 and continue through X/XX/2017. I have charges totaling {$1200.00} plus fees of {$68.00}. I have tried to explain to Bank of America the situation, due to my heavy " XXXX '' accent I seem to not be understood. I am disputing these charges as I did not make them. I have asked Bank of America over and over again to review and have been denied. I feel insulted as the claim has been denied. I will testify as I did not make the charges and have written a letter to Bank Of America stating such as they asked. I do not understand why Bank of America does not believe my statement to be true. I am a person of good morals and believe that this claim has been handle unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Couple different items occurred with XXXX XXXX XXXX. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report. 

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow. 

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error. 

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data. 

It looks a lot like XXXX XXXX XXXX is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.
Product: Debt collection

I received a threatening phone call from Stuart-Lippman and associates , INC Located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXXXXXX XXXX XXXXXXXX. Telephone number XXXX XXXX, regarding a outstanding debt of {$3800.00}. I was never notified by the original insurance company of an outstanding balance. After I contacted them that the insurance company stated that the balance was {$3000.00}. This is an insurance that was provided by XXXX XXXX XXXX XXXX XXXX for malpractice insurance. I have been receiving harassing and threatening phone calls from this debt collector. Please advise
Product: Mortgage

Error Resolution RequestI made a {$10000.00} payment in XXXX 2015 and per XXXX XXXX of Shellpoint, this payment was not credited until XXXX XXXX 2015. Shellpoint has failed to explain to me why the delay in timely crediting my XXXX repayment plan payment? They refused to give me anything in writing to support I was actually in a repayment plan. 

Monthly Mortgage StatementShellpoint has failed and refused to send me any monthly mortgage statements since XXXX 2015 to which CH of Shellpoint said on XXXX/XXXX/2015 at XXXX PST " we do not send monthly mortgage statements on severely delinquent accounts ''. Please immediately provide me with each of the following monthly mortgage statements and show me any regulatory instructions that Shellpoint can refuse to provide monthly mortgage statements. 
Monthly Mortgage Statement Demand for XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015. Per Regulation X Part 1026 ( e ) - 1026.41, you are required to provide me with a periodic billing statements. 
Demand for Payoff amount good through end of XXXX 2015. 
Request to postpone foreclosure saleAs I notified CH of Shellpoint we have received a full price offer which will satisfy the entire debt on this loan. We respectfully requested a 30 day postponement of the scheduled foreclosure sale to finalize this sale and we have not been given any assistance, nor did they even ask for a copy of the purchase agreement..
Product: Debt collection

This is a complaint against AMEX/DSNB. I have been a victim of identity theft for XXXX years and my Equifax credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without my authorizacion is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

{$430.00} was taken from my chime account without my consent. On XXXX was the first time hackers got into my account, XXXX is the Date they stole the money from my account. I've given chime every email showing where they were in my account the day my money was stolen but I was still denied they said that wasn't enough evidence!? I live in ky, and someone in XXXX XXXX Michigan stole my money while I was physically asleep in ky! Idk what else they need but this has financially destroyed me, I live check to check and this has costed me my money for my bills so now me and my kids are in the cold cause chime doesn't believe the account holder. I've been with chime for over 5yrs and this is the 2nd problem I had the first was immediately handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage and Bank of America and XXXX let me know they update correct balances monthly ( not virtual ) so you have to wait which keeps your score lower than it should be and you pay more. 

I am sending attached what the actual balance is as of today and what XXXX and BofA are still showing, it would move my score please update it, its XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

-- PERSONAL LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Product: Debt collection

I am being sued by a debt collector ( LVNV Funding , LLC ). LVNV Funding claims to have purchased a credit card debt in my name from XXXX Bank, who is listed as the " original creditor ''. Two months after my request for discovery, I received documents with my name and address indicating that I had a XXXX Bank XXXX credit card used from XXXX to XXXX, and that I had applied for this card " on or about '' XXXX XXXX, XXXX. The problem ; I have never had a XXXX XXXX credit card, or any other XXXX credit card. I then asked the attorney for the plaintiff to provide the application. The response was that sometimes there is no application because requests are done online. I can not believe that XXXX Bank would discard the information I would have needed to provide in order to obtain credit from them, even if done online without an actual signature ( unlikely in my case ). It should be a simple matter for the plaintiff 's attorney to provide the original application. What is the CFPB stance on something like this? How can I prove the debt is not mine when the plaintiff has documents that indicate otherwise?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

Via fax number XXXX Attention U.S. Bank XX/XX/2019 Vehicle lease number XXXX To the attention of the repossession department, In a follow-up to my letter of XX/XX/2019 in which I advised the bank of the improper information that was submitted to all the credit agencies in which my truck that is being financed through U.S. Bank has been repossessed which it has preventing me from securing private loan. 
At all times XXXX, the representative from U.S. Bank in extension XXXX had refused to provide a corresponding clearing up that the vehicle was not repossessed and that I have the vehicle in my possession. I also requested a letter that I can take to the bank in order to get my loan that Im current with my payments and she had refused. 
I have contacted over 15 different lending institution and every one of them advised us that the repossession by U.S. Bank that is being reported determined that I will not qualify for the loan due to that negative report. 
I was advised by my lawyer to terminate early the lease as I can not make any payments due to the negative incorrect reporting to the credit bureaus, and have this matter determined by the court of law. 
The vehicle is available for U.S. Bank to be picked up at any time, bank should make arrangements and coordinate a proper time and the place for the transaction to take place. Upon picking up the vehicle I am requesting a document that would verify that the vehicle was turned into the possession of the bank. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX
Product: Debt collection

" Phony '' collections agency ( Harris and Harris ), from XXXX ( IL ), keeps calling me at odd hours AND OVER THE WEEKENDS ( especially over the weekends ), using different numbers. Said agency, per federal and per MY STATE ( Texas ) do not follow lawful activities when making the call ( unlike other collection agents ). They claim to call about a " business matter '' ( always use this line ). So, I answer to their request evasively ( eg. I'd say " I'll connect you with XXXX XXXX if you leave a message about said 'business matter ' '' ) or be more direct ( " if this is a collector call, plese, tell me who you are ''. None of those things had been done by them.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts and addresses as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$98.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

About a week ago I initiated dispute with Transunion because I wanted the account to reflect the current total balance of my XXXX card ( with {$15.00} limit ). The card was getting very close to being maxed out but recently my husband took a loan and we paid it down to {$3000.00}, but Transunion was still showing a total balance of {$9000.00}. Yesterday I got a notification saying that the credit dispute was completed and the account was removed from my credit report. Well, the card is still open and active, and it shouldnt have been removed from my Transunion, they should have just updated the total balance to reflect the current amount ( around {$3000.00} ). The account was removed from my TransUnion report and it hurt my credit score. I called both TransUnion and XXXX several times and I can not get them to put the card back on TransUnion and they keep blaming each other. I want to get this fixed since paying down the card from XXXX to XXXX would surely reflect as a positive and add points to the TransUnion score.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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: Credit reporting, credit repair services, or other personal consumer reports

You have 7 days to correct my credit report or I will put a lien on your company with XXXX XXXX XXXX for {$350000.00} for each use of my copyrighted name./property since XXXX. I did not give you written permission to use my name or ANY derivatives of my name, it is Identity theft according to 15USC 6802. Also, late payments are Illegal 15USC16819 ( A ) ( 2 ) ( i ) ( Exclusions ). There should not be any collections on any of my Credit Reports EQUIFAX, XXXX or XXXX, XXXX XXXX, or Any and All Other Credit Reporting Agencies. ALL BILLS ARE PREPAID ACCORDING TO ( 31USC3123 ) All Collection Companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A Lien will be put on these Companies as well with XXXX XXXX XXXX All these Credit Reporting Agencies and Collection Agencies listed are to CEASE & DESIST remove any and All Balances SUBMITTED AND ALL DEROGATORY INFORMATION AND INCLUDING ALL INQUIRIES AND ALL OLD ADDRESSES/ALL PHONE NUMBERS IN THE NEXT 7 DAYS. ( PLEASE SEE THE COPYRIGHT ATTACHMENT ).
Product: Credit reporting or other personal consumer reports

I have been going back and forth with experian for about three weeks about obtaining my credit report. I havent gotten any results and all I want to do is obtain a credit report to review it. I had a log in previously and now Im being told I dont have an account with experian at all. Experian is asking for proof of documents which Ive sent in and havent gotten a response. My account was deleted and I dont know why but I have attached the requested documents experian is requesting below.
Product: Credit reporting or other personal consumer reports

Formal Demand for Deletion of Fraudulent Accounts To Whom It May Concern, I am writing to formally demand the immediate deletion of two fraudulent accounts from my TransUnion credit report. These accounts do not appear on my XXXX or XXXX credit reports, further supporting their inaccuracy. Their presence on my TransUnion credit report violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer.

Legal Grounds Supporting My Demand 1.FCRA 611 ( 15 U.S. Code 1681i ) : Dispute Investigation Process Under FCRA 611, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information. Given the absence of these accounts on XXXX and XXXX, their presence on your report is inconsistent, inaccurate, and indicative of a lack of reasonable verification.

2.FCRA 605B ( 15 U.S. Code 1681c-2 ) : Blocking Information from Identity Theft FCRA 605B mandates that a credit reporting agency must block information identified as fraudulent within four business days of receiving documentation of identity theft. I have provided sufficient evidence, including [ list the documents provided, e.g., an FTC Identity Theft Report, police report, etc. ], that these accounts were opened fraudulently. By declining my fraud block request, you are failing to comply with this statutory requirement.

3.FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Accuracy of Reports FCRA 607 ( b ) requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. The fact that these accounts do not appear on my XXXX and XXXX reports indicates a failure on your part to ensure the accuracy of the information you are reporting.

4.FCRA 609 ( e ) ( 15 U.S. Code 1681g ( e ) ) : Information Related to Fraudulent Accounts Under 609 ( e ), I am entitled to information related to the fraudulent accounts, including details of the creditors and transactions. Your failure to block these accounts without properly
verifying their legitimacy infringes upon my right to access this information.

5.Federal Trade Commission Guidance The FTC provides guidance that credit reporting agencies must delete fraudulent accounts when sufficient evidence of identity theft is presented. My documentation meets this standard, and your refusal to act violates the intent of the FCRA and FTC regulations.

Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are clearly fraudulent and inaccurate. By failing to delete these items, you are violating my rights under the FCRA. 

My Formal Request I demand that TransUnion : 1.Immediately delete the above-mentioned accounts from my credit report.

2.Provide written confirmation of their deletion within
4 business days of receipt of this letter. 


Attached is my FTC report # XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time attempting to have XXXX, Experian, and XXXX remove these accounts from my consumer reports. They refused. I've filed police reports, FTC reports, and other things to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 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.
Product: Student loan

I 've had to defer and place my loans in forebearance every since graduating and thanks to the interest rate, I may never pay it down. Im grateful for the loan but need help getting the balance down or possibly lowered interest rates. I was able to get an income based repayment but it expires this year and my cost is increasing monthly.
Product: Prepaid card

I purchased a gift card on XXXX/XXXX/2015 in the amount of {$250.00}. I attempted to use the card in the evening on XXXX/XXXX/2015 and it was declined. I called the customer service number on XXXX/XXXX/2015 and a representative told me that the cashier must have activated the wrong gift card but that she could see the money. I was instructed to fax over some information ( front/back of card, activation receipt, name, phone number, email address, contact time preference ). I did this on XXXX/XXXX/2015. I called back on XXXX/XXXX/2015 to inquire on the status of the fax and was told that it would take 7-10 business days after the fax was received. I asked to escalate the issue and that group informed me that it was n't an activation issue. He said someone had tried to use the card twice in XXXX so when I purchased it in XXXX they decided to not activate it. So the company is holding onto my {$250.00} and giving me the runaround on how to get it back. I 've called them XXXX times ( with a hold time of no less than XXXX minutes ) and every time I receive a different set of instructions. I just called again and they said they were waiting on my fax. I stated that I had already faxed it in so they placed me on a brief hold. They then informed me that they had received my fax and were waiting on additional action from me. I would now need to fax in my address and that the voicemail left on XXXX/XXXX/2015 stated that. I replayed the voicemail to make sure I did n't miss anything. I have been unsuccessful at every attempt made. I feel this is fraudulent and misleading. If the company knows that an attempt has been made to use a gift card prior to it ever being sold, they should not be allowed to take the consumer 's money and have them scrambling trying to recover it. This company knowingly sold me a useless gift card with the knowledge that I would not be able to do anything with it.