23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was on a HUD program for 10 years I had a XXXX in 2018 and HUD paid the mortgage for me. 
The bank is saying they have not received a payment from myself nor HUD which is untrue. My HUD counselor showed me where money is going to my account at the bank but the bank said they dont have any money from HUD to my account. 
I need help I have been reaching out to someone anyone for two years now. Im having to file bankruptcy for over XXXX. XXXX I dont have. 
I hope this letter get to the right person, I have email three different people today so I can get help for my family and I can keep our home.
Product: Debt collection

I was contacted by Jefferson Capital about a debt to XXXX that is not mine. I notified them that the debt was not mine. I asked them to send validation of the account. I did not hear from them again. This week I received a credit alert that I had a new negative credit account on my report. I looked into this and Jefferson Capital listed this account on my credit reports. They did not validate the debt at all and now are attempting to extort money I do not owe by listing this on my credit report. I have not had a XXXX account in over 15 years and closed that account with no money owed.
Product: Checking or savings account

They try to verify my identy and ask my mothers maiden name. they tell me it si wrong and I cant have my requested old bank statements until I call back with the right maiden name. I offer to provide a birth certificate and they respond that they cant help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$550.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I noticed that there is a debt that has been placed on my credit report in collections from a speedy cash I have emailed called faxed over several requests to the debt collection company AD Astra and told them it was fraud due to my info involved in several data breaches XXXX XXXX, XXXX XXXX XXXX and also XXXX my social has been found on the XXXX web
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

on XX/XX/1997 I closed a Savings Certificate Passbook with an XXXX and had the bank issue me an " official bank check '' for the amount of {$1700.00} payable to me. I took the closed passbook and the bank check and placed it in a safe deposit box for a rainy day. I came across this check recently and I called the bank, explained the situation and was told by a manager that XXXX was bought out by TD Bank but they should honor the check being the check is an official bank check. He advised me to open a savings account and deposit the check, which I did. Four days later I was told by someone at the bank that the check has expired ( there is no date listed on this check ) and they will not honor the check. The manager told me the money was transferred over to the State of Connecticut Unclaimed Property. I 've checked with State of Connecticut Unclaimed Property Division and they have no record receiving these funds from neither XXXX or TD bank.
Product: Debt collection

Tittle : Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Stating your claim is disputed and validation is requested.

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named title and section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus { XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices can provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit a credit reporting repository that could be inaccurate or invalidated. 

If your offices fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXXXX 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

I am writing to formally dispute the presence of an account listed under your company 's name on my recent credit report. Upon reviewing the report, I was surprised to find an account that I have no knowledge of or association with. 

As a diligent consumer, I routinely monitor my credit report for accuracy and consistency. The discovery of this unfamiliar account has raised concerns regarding potential inaccuracies or fraudulent activity. 

I hereby request that you conduct a thorough investigation into the origins of this account and provide me with detailed information regarding its creation and associated transactions. Additionally, I urge you to take immediate action to rectify the inaccurate reporting on my credit profile. 

Maintaining the integrity and accuracy of my credit report is paramount to my financial well-being. Therefore, I expect prompt and decisive action in resolving this matter. 

I appreciate your attention to this dispute and look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

Dear Paypal, I feel extremely sad because they have stolen my money from my account and they have not been able to help me with my case. 
Here I detail the entire problem and the evidence so that you can collaborate with the information provided by the PayPal fraud department.

My account was hacked and several unauthorized movements were made. 

This is the list of Unauthorized activity : Unauthorized home address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX. 
XXXX XXXX XXXX, XXXX, VA XXXX. 

Unauthorized Telephone Numbers : XXXX Used to Send Unauthorized Messages XXXX Used to Send Unauthorized Messages XXXX Unauthorized bank account or card link : Unconfirmed Bank Account in the Name of XXXX XXXX XXXXXXXX XXXX XXXX  A total of XXXX Unauthorized Transactions were made to this account from XX/XX/year> to XX/XX/year>. 

CASE ID : XXXX Accessing the account from an unknown device and possibly from another country resulted in a block of access to the account. 
It is important that you be able to validate unauthorized IP connections that were used to access my account. 

ALL INFORMATION HAS BEEN PROVIDED DIRECTLY BY PAYPAL CUSTOMER SERVICE. 

ALL INFORMATION HAS BEEN PROVIDED DIRECTLY BY PAYPAL CUSTOMER SERVICE. 

XXXX MY CONTACT NUMBER IS XXXX
Product: Debt collection

I was seen in the ER at XXXX XXXX in XXXX  XXXX and needed XXXX XXXX. Upon my arrival at the ER I completed all the necessary insurance paperwork and provided my military ID to verify XXXX coverage. When I left the ER the same day I was provided more paperwork at check out which I completed. I received one bill from XXXX XXXX XXXX XXXX in XXXX of XXXX but there was no mention of them not having my XXXX information. I also received a bill from the hospital but that was paid by XXXX and so I assumed ( which I should not have done ) that the XXXX bill was taken care of as well because I never received another bill. In XXXX of XXXX three separate account numbers from the same day/service were submitted to collections and showed on my credit report which dropped it by more than 70 points. I called XXXX immediately and they stated they never received any claims for that day. I then called the billing office of XXXX and they stated the claim was mistakenly sent to the VA where I do not receive any care. The claim was denied by the VA ( or so I was told ) and so it was sent to collections ; I never received any form of documentation from XXXX giving me the opportunity to rectify the situation before it had gotten to that point. They assured me they would refile to XXXX and remove the debt, which eventually happened after about a month. 
Yesterday I received another statement from the same collections agency ( Americollect ) and the three separate charges went back on my credit report, dropping it again by 77 points. When I spoke with the billing office they denied a claim was ever submitted to the VA and that I was responsible for the bill because I did not provide my insurance information. None of this makes any sense. I spoke with XXXX and they said they'd be happy to pay the claim but they would need proof of timely filing. They provided XXXX this decision on XX/XX/XXXX. XXXX never notified me of this update before reinstating the three collection charges. When I asked them if any documentation was ever sent out after that decision to give me the chance to pay or continue to work on this, they said they did not take any actions to notify me. They refused to submit proof of timely filing claiming I did not provide my insurance information and XXXX needs it to pay the claim. I am at my wits end trying to figure out what went wrong and where so I can rectify this. I am a XXXX XXXX XXXX and having to pay this would put me in financial distress, not to mention what it has done to my credit report. I could really use some help. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this CFPB complaint to inform you that I have been patiently waiting on the response about the written requests I sent to 3 credit bureaus. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Sections 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NM XXXX.
Product: Credit card or prepaid card

YET AGAIN THE CUTOFF TIMES OF BARCLAYS BANK IS RIDICULOUS IT DOES NOT BENEFIT ANYONE IN THE XXXX XXXX XXXX IS TOO EARLY ITS ONLY XXXX ON THE XXXX XXXX I HAD SOME INTERNET PROBLEMS AND LITERALY GOT MY PAYMENT OUT 3 MINUTES AFTER THE CUTOFF TIME I AM COMPLAINED SEVERAL TIMES TO THE EXCUTIVE OFFICES AND ITS LIKE TALKING TO THE WALL THERE OFFICE OF THE PRESIDENT EMPLOYEES ARE SO RUDE AND CONCEITED. HAVE DO THEY CONTINUE TO BENEFIT THE XXXX XXXX  AND THERE CUTOFF TIMES EVERYTIME I HHAVE MADE A PAYMENT ITS STILL ON THE SAME DAY ITS DUE AND I MISS THE CUT OFF BY A FEW MINUTES AND THEY ARE SO QUICK TO HAND OUT A LATE FEE. YET AGAIN THEY NEED TO CHANGE THIS CUT OFF TIME IT IS RIDICULOUS AND THERE COMPANY CAN CARE LESS ABOUT IT!!!
Product: Credit reporting or other personal consumer reports

Request for immediate deletion for violation of 15 USC Code 1681s-2- I am bringing to your attention a serious violation of the fair credit reporting act FCRA specifically 15 USC code 1681s 2 responsibilities of furnishers of information to consumer reporting agencies by certain creditors listed on my credit report according to section 1681-2 ( B ) furnishers of information to consumer reporting agencies such as the creditor in question I have a legal duty to provide accurate and complete information however after careful review I have identified multiple discrepancies and and accurate information the counts go as follows and after eight months of trying to do this the way that the consumer is supposed to the credit Bureau has failed to do their part and it is a willful intent of unlawfully violating my rights keeping me from my basic human needs housing and starting my business earning an income and I'm also XXXX and the fact that they continue to willfully deny my rights is just another example of why the CFPB is suing them as well for the same unlawful attempt at not reporting accurate information and messing with people 's lives and not allowing the credit reports to be furnished the way that they should and keeping them from obtaining daily life essentials and needs of an American and should not even be allowed to have business opened anymore let alone make billions off of your demise and that's what they're doing and I'm sick and tired of asking them to do their jobs and I'm not going to do it again and I will be getting compensation for this because this has gone way too far and I've had enough the information that they are stating as far as a reinvestigation of those is bogus and I'm going to give you a little insight on that situation according to the 60 news minute news episode of 40 million mistakes by Experian not one human being even touches those reports nor do they have any compliance going on to even abide by the law so the fact that they're saying that it's Been Verified is a bunch of lies and I'm not going to put up with their incompetence any longer .This is iwillfully with the intent to do harm and grounds for civil damages and i intend to collect and want these accounts below removed once and for all for the love of XXXX! 
Account name XXXX XXXX XXXX XXXX XXXX for {$10000.00} which is also past the statue for CA, XXXX XXXX # XXXX for {$1900.00}, XXXX XXXX # XXXX for {$470.00}.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed some unauthorized inquiries on my Transunion Credit Report I have listed the inquiries below and add additional supporting documents. 

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 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
Product: Checking or savings account

2 fraudulent checks were withdrawn from my account with M & T for {$1000.00} in early XXXX I believe the date was XX/XX/11. 8 checks tried to be withdrawn but since I only had available funds for 2, only 2 checks went through. Each was made out to a different name and I did not recognize any of them. Checks were deposited in XXXX  XXXX XXXX accounts Check were manufactured with check numbers out of sequence. All information on the check was typed. Check had my signature on it and resembled a check I had written a few days prior. I filed a police and sign the affidavit with the bank. No one got back to for months. I called several times and they had no updates for me. In XXXX the bank closed the account and then sent to me collections for overdraft fees from the checks. I was told those fees would be waived once this issue was resolved. I went into the branch end of XXXX/early XXXX and spoke with the branch manager. She said everything was filed correctly and that they should have opened another account for me to attach the case too. She also said that I should have been given provisional credit, which I was never given. She called the department handling the case and started emailing them. She said she would call me with updates and gave me her card. She called me the next day and said they were working on and it since my account was closed they wouldn't need to open another they would have the money added to the branch and give me the funds from there. I emailed the branch manager and called her direct line several times over a 2 week period. I finally had to call the branch directly to get a hold over her. She told me that they declined my case, she couldn't give me a reason and said that she opened another case. I asked for the number of the people handling my case in fraud and the investigator, she could not give me either she gave me the 1 800 number for the fraud department and said if I called them they would just put an alert on the case. This has been 7 months of terrible customer service and communication.
Product: Bank account or service

I signed for a loan online with lending club when I was in college for XXXX, the loan was about {$10000.00}. When thing started to be hard for me, I signed up with a debt consolidation company name " freedom debt relieve '' where they settled this account with lending club for me which was {$4800.00}. Even after the settlement lending club sold my account to another deft collection company name XXXX without sending me any notice. I contacted lending club my self few times, sometimes they put me on hold or hang up on me. I kept calling, sending them letters for about six months nobody ever answer me ..XX/XX/2016 I paid the full balance of the settlement to the deft collector company they sold my account to. I called them that day I finally spoke with a customer rep I explained to her what they did to me it 's wrong and illegal cause there 's no way they can sold my account to another company without sending me any letters, and also I told her now I paid in full the settlement why it 's still show on my report this account is charged off where it should says settled in full or paid in full .she was unable to answer my questions put me on hold again and hang up right on my face ..two days after I received an email from lending club stated whatever they report to the credit bureau not gon na change .. I called the other collectors they sold my account to and explained to them what 's going on, they told me it 's not them it 's up to lending club to report to the credit bureau the account is settled or paid in full.. until now lending club keeps that charged off on my report never says to the credit bureaus this account is settled or paid in full.
Product: Mortgage

XXXX XXXX, a XXXX  XXXX with Movement mortgage, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  preapproved us for an FHA home loan. 
XXXX then refused to provide to us, our pre-approval letter unless we purchased a home through his preferred agent, XXXX XXXX. 
Our pre-approval letter was never provided to us because we refused to use XXXX XXXX as our realtor. 
XXXX told us multiple times in writing that we were preapproved. Then refused to provide the documentation. He stated he would only show XXXX our pre-approval letter