23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please be advised that in XX/XX/XXXX we received a Mortgage Statement that we were behind with our Mortgage payments and when I called we were told that the reason it was because we had a Shortage on our Escrow Account. We advised them that we could not afford our new payment and I had no way of paying for Escrow Shortage. They needed the total amount of my delinquency and that's when everything started. We got placed on a bad delinquency and we requested for help to save our home but unfortanutely we got no help at all. Last year of XXXX we got a denial letter stating that we had no options for a loan modification and that we were not making enough money to keep our home. we are now receiving money contribution from our daughter and her husband and we submitted new financials with Specialized Loan Servicing. and also with XXXX because XXXX was able to help us keep our home back in XXXX and now we are here with a Foreclosure Date coming up XX/XX/XXXX and we are asking for help to avoid this Auction to proceed and to help us with our Lender to get a workout resolution. My wife and myself are presently ill and have suffered to much XXXX and XXXX with our present situation. I have XXXX and my wife has gone thru XXXX XXXX and my daughter and son in law have been here to help us with expenses and willing to put all their income to save our home including our income. We really are begging to save our home. please help us.
Product: Prepaid card

Have numerous prepaid gift cards and they are impossible to use, no retailer is able to charge partial amounts and now its completely useless online. Several years ago these cards would work with XXXX, XXXX and the likes, but now they are just useless trash. Imagine this is Amex trying to keep the small balances as profits, how is this even legal?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report, listed below with the dates they were wrongfully conducted. I have been a victim of identity theft, which I have reported to the police and the XXXX and I have the corresponding reports. I believe these unauthorized inquiries are another occurrence of the same theft. 

XXXX. Date : XX/XX/year>, conducted by XXXX XXXX XXXX The inquiry is listed under the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report. 

XXXX. Date : XX/XX/year> Unauthorized hard inquiry on my credit report conducted by XXXX XXXX XXXX The inquiry is listed under the address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report. 

XXXX. Date : XX/XX/year> : Unauthorized hard inquiry on my credit report dated XX/XX/year>, conducted by XXXX XXXX The inquiry is listed under the address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

40 U.S. Code 3133 - Rights of persons furnishing labor or material The first way to establish a permissible purpose is in writing and in accordance with the written instructions of the consumer to whom it relates. LEXIS NEXIS has violated the act all violations must be cleared and satisfied as per court action. Person having direct contractual relationship with a subcontractor.A person having a direct contractual relationship with a subcontractor but no contractual relationship, express or implied, with the contractor furnishing the payment bond may bring a civil action on the payment bond on giving written notice to the contractor within 90 days from the date on which the person did or performed the last of the labor or furnished or supplied the last of the material for which the claim is made this letter is requesting a investigation and validation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Please delete the following from my consumer report not later than 4 business days.

XXXX XXXX XXXX XXXX XXXX XXXX  Original filing date XX/XX/year> Reference number XXXX I demand immediate action regarding the violation of my identity and the fraudulent use of my personal information as stated in 15 USC 1681a ( 3 ). My identifying information was unlawfully disclosed to another individual without my consent. Please delete from my consumer report not later than 4 business days.

( 5 U.S.C. 552a ) Anyone can request to see or get copies of any personal information that we have in your file. Any personal information in your file that is retrieved by individual identifiers, such as name or social security number is protect by the Privacy Act, which means requests for information about you may be denied unless we have your written permission to release the information to the requestor or unless the information is subject to disclosure under the Freedom of Information Act. How and for what purpose did you receive a Social Security number of XXXX XXXX? 

RESPECTFULLY,
Product: Checking or savings account

I filed a dispute on XX/XX/XXXX. Since it's not Regulation E, Sofi did not give me a provisional credit, which is fine. However, it's now been almost 2 months and Sofi has refused to provide me with additional information about the process and progress of my dispute. Since they're unable to provide me with the additional information I've requested as well as being unable to resolve my dispute in a timely manner, I would like my account to be provisionally credited for the dispute in the amount of {$670.00}.
Product: Debt collection

I previously requested completion and return of W-9, Per 31 CFR 1010.230 - Beneficial ownership requirements for legal entity customers, I submitted the documentation with my assumed name certificate state of Missouri and a IRS approved 1099-C to cancel most of the allege debt, all were ignored by the CFO and management team.

I ask to stop calling daily, including Sunday morning. This is a violation of 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection. In addition SUNBIT is in violation of : 15 U.S. Code 78ff - Penalties, ( a ) Willful violations ; false and misleading statements ; ( b ) Failure to file information, documents, or reports; ( c ) Violations by issuers, officers, directors, stockholders, employees, or agents of issuers. 

18 U.S. Code 1341 - Frauds and swindles, Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses.

18 U.S. Code 1343 - Fraud by wire, Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, transmits or causes to be transmitted by means of wire for the purpose of executing such scheme or artifice, shall be fined under this title or imprisoned not more than 20 years, or both.
Product: Credit reporting

" Certified Verification '' as required under FCRA Section 609 and Section 611 required to promptly ( at once ) DELETE all information which can not be verified and or validated.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information. I request that you investigate this matter and remove the incorrect late payment entry from my credit report. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information.

The creditor, ROOMS TO GO/SXXXX XXXX XXXX has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the XXXX timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of 15 days to resolve this matter. 

XXXX XXXX XXXX XXXX  XXXX Date of Incorrect Late Payment : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted complaint ID XXXX because my mortgage was not being reflected on my credit report. The mortgagor stated that they submitted the correct information to the three credit bureaus. To date, the three credit bureaus are not reflecting my mortgage account. The mortgage account with the previous bank, XXXX XXXX XXXX is not reflected on my credit report, neither is any information from the new mortgage company. 

Additionally, when the account was transferred in XX/XX/XXXX, the credit bureaus closed the mortgage account and dropped my XXXX XXXX 114 points. The old account does not show as a closed account. They are not reflecting the new mortgage. Also, my XXXX XXXX credit card was upgraded to an XXXX XXXX card in XX/XX/XXXX. Instead of transferring the balance, the credit bureaus closed the XXXX XXXX account, dropped my score 41 points and then added the XXXX account. 

In my opinion, the credit bureaus are inaccurately reporting data and manipulating credit scores to sell credit cards, loans, etc.
Product: Checking or savings account

Hello my name is XXXX I had a netspend brinks prepaid checking account in XXXX the account was closed due to false fraud from a direct deposit that came into my account XX/XX/2020 from XXXX unemployment department legitimately the account was closed for that fraud XX/XX/2020 with no explanation and all they let me know was the funds in the amount of {$6600.00} was sent back to XXXX  unemployment via check number XXXX thru delivery service of XXXX XXXXXX/XX/2020 Ive spoken with unemployment of XXXX numerous times and still XXXX years later no one has knowledge of the check or funds which legitimately belong To me can we investigate the Problem of the fraud so we can see that everything was legit and my funds returned to me from bank the check number is
Product: Student loan

My loans with MOHELA were recently transitioned to a new platform. It appears that my loan balance has increased even though I was told during the transition I would be on an administrative forbearance. They are also still withdrawing auto debit payments. Since my account was transitioned I have no way to access previous payments or statements to verify that I am being billed correctly. I am also unable to access information on how much interest has accumulated for individual loans. I messaged MOHELA and have received no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is CFPB or any other government agency planning to file suit against Equifax? If these credit monitoring companies including Equifax took ownership to collect all the critical and sensitive personal data ( PCI/SPI/CPNI/RPI ) they should accountable for the security breach. The following article shows how irresponsible Equifax is which not only needs tougher law and punishment but rather govt should shut down these agencies ASAP [ XXXX XXXX XXXX XXXX ]. These companies are just skimming money from the consumers and do not stand up to protect consumers privacy.
Product: Prepaid card

With the XXXX XXXX updates to the UniRush system I do not have access to my funds. I was anticipating a direct deposit yesterday and I never received it. To date my account reflects a zero balance and I have pending charges reflected on my account that are duplicates of charges paid weeks ago. Today, XXXX XXXX, I was on hold for 3 and 1 / 2 hours before I actually got to speak with a customer service representative. He told me that he could see my direct deposit in the system and he qued it to deposit, telling me to give it about 2 hours as they are depositing funds every two hours. So far I still have a XXXX balance. Given this debacle, we are at risk of having our utilities shut off. I need that money as it is my unemployment benefit and I am a single parent on XXXX from my job.
Product: Consumer Loan

I believe this lender is discriminating on the basis of the source of my income as a government employee, and discriminating on the basis of having previously been a bankrupt borrower more than three years ago.
Product: Debt collection

Received a call, XXXX at XXXX, debt collector stated they mailed a letter dated XXXX and stated that I received it and attempted to collect. I requested that copies of my file be sent to me, the collection process to be halted until I received said documents and the agent stated they did not have to do that and continued to try and collect. The agent also confirmed that they do not own the debt but are simply trying to collect and stated incorrect information regarding myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Events happened as follows in XX/XX/2021 I submitted my payment for my target card as usual on time. My payment was not honored due to a bank error. Once I was notified by target I paid the amount immediately with a representative over the phone I also sent target card services the bank letter with the information that my payment was not honored due to an error from the bank that the funds were available. The representative from target card services explained to me it was not an issue and the late payment would be corrected due to it being a bank error. Target credit card services is still reporting a late payment for XX/XX/2021, they never corrected the reporting.Here enclosed is attached copy of the banks letter.
Product: Credit card or prepaid card

UMB visa debit card stopped working after XX/XX/XXXX UMB continued taking fees on non working card XX/XX/XXXX {$5.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$5.00} Moved my remaining balance to a different card but never informed me nor provided a new card. Have taken an additional {$18.00} in fees.
Product: Credit reporting or other personal consumer reports

I am reaching out to address several issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and reporting inaccuracies. Your assistance is essential in resolving these matters to safeguard my financial stability.
Product: Credit card or prepaid card

Recently, I, XXXX XXXX was denied an extension of credit by NAVY FEDERAL CREDIT UNION XXXX XX/XX/XXXX, I applied for VISA SIGNATURE FLAGSHIP REWARDS CREDIT CARD As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL CREDIT UNION has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report was pulled from XXXX financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As well as Lending Point/XXXX on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
Product: Debt collection

A third party debt collector Portfolio Recovery purchased two collection accounts and is now trying to have me pay them for debts that were not legally obtained. Now I am being harassed by multiple phone calls to my house as well as my cell phone. I have sent a debt validation certified letter for both accounts directly to Portfolio Recovery on XX/XX/XXXX. The certified letters were available for them to pick up XX/XX/XXXX @ XXXX. As of today XX/XX/XXXX they have chosen not to pick up the letters all the while continuing to call my home and cell from different phone numbers. 
One of the amounts that have been charged off is for {$1200.00} and the other is for {$1100.00}
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that doesnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person a living being, and I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand that the accounts listed below to be remove accounting to 15 USC 1681. I have the right to privacy and did not give XXXX written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In early XXXX I cancelled my automatic payment for XXXX. Citifinancial does not dispute this.However, they neglected to cancel the payment, causing me a XXXX charge. To compound the issue, they redeposited the payment despite me calling them at the end of XXXX to complain about their ineptness and causing me a great deal of stress and embarrassment.Now it has caused me XXXX which they refuse to reimburse unless I fax a bank statement showing these charges. I have no available fax machine nor should I be forced to pay additional money for their stupidity.I told them to call my credit union to verify a returned check fee. They refused.I 've had to deal with a great deal of XXXX, XXXX and embarressment because these people ca n't do their jobs correctly.Fortunately, all my checks cleared before this ET got to my account or it would have been a tremendous mess, which again, caused me great stress.
Product: Money transfer, virtual currency, or money service

I have a new number. When I downloaded Cash App on my new phone to access my account it kept giving me an error message stating my info was incorrect. I do business using my cash app account, so this is completely an inconvenience and poor customer service. I tried reaching out to the company numerous times, emails, calling the number online in which your unable to speak with any representatives. It has been a complete nightmare. Not only do I have funds in my cash app account I also have provided my personal bank account information with a company that I can not even speak to. Please assist me in speaking with someone from this business. Once this issue is resolved, I will NEVER use Cash App again.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit profile and noticed there were a number of fraudulent accounts, addresses and inquiries on my credit that I did not give my consent for. Those accounts, addresses and inquiries consist of the following : Address : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX The fraudulent accounts that I am referencing a consist of the following : XXXX XXXX  balance XXXX XXXX XXXX XXXX balance XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The the fraudulent inquiries that I am referencing consist of the following : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bought bit coin through Coinbase and was filled way outside of the bid and ask. The ask was at {$18000.00} and I was filled at {$19000.00}. {$670.00} over the ask. It is impossible to contact the company. I tried calling their phone number I have been on hold for over 2 hours and no answer. When I 'm on their website and click on the link to contact by email, it does n't go to an email ; it goes to a chat window controlled by a bot and you can never reach a human or anything other option. 

Time of execution was XXXX XXXX on XX/XX/XXXX. Reference code XXXX Bought Bitcoin XXXX BTC @ {$19000.00} per BTC Reference code XXXX Payment Method USD Wallet  Fee {$1.00} Subtotal {$160.00} Total {$160.00} XX/XX/XXXX XXXX XXXX Completed
Product: Credit reporting or other personal consumer reports

Back on XXXX XXXX I file a complaint with the CFPBIn response to my complaint, on XX/XX/XXXX, in response to the complaint I received the following response ( XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results is listed below : Company Name XXXX XXXX CO THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. ) CFPB Complaint is ( Attached ). 
Please delete credit XXXX account as this account has been report inaccuracies XXXX lates after CLOSED account/COLLECTION status for 2 yrs. starting XX/XX/XXXX, additional, this car loan was a 48-month contract term that expired XX/XX/XXXX ( copy of contract attached ) after which is reporting active XXXX lates even after the term of the contract ( from XX/XX/XXXX to XX/XX/XXXX ). 
On ( XX/XX/XXXX ), CFPB ordered resolution for the account was deletion from my credit file which has yet to happen ( SEE ATTACHMENT )