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

XXXX {$2800.00} was debited from my account for online gaming. While I admitted using the site for XXXX instances, I did not authorize any other purchases from said website. Website is located in XXXX and would not refund the debits. I went through my bank Wells Fargo for a claim. A provisional credit was given and then reversed. I asked to appeal and they said once they made a decision I had no other avenues. That it was final. Claim # XXXX
Product: Credit reporting or other personal consumer reports

I NEED THESE ACCOUNTS AND THESE INQUIRIES DELETED SINCE YOU HAVE TO SEE THAT THEY HAVE INCORRECT INFORMATION. 

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 The persoanl information is incorrect, The personal data reporting is inaccurate. 

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

These accounts do not belong to me. please remove! } XXXX XXXX XXXX  not mine 2 } XXXX XXXX not mine 3 } XXXX  XXXX XXXX Original creditor : XXXX XXXX. not mine {$4700.00} 4 } DEPT OF ED/XXXX {$31000.00} Balance updated XX/XX/2020 never late im in deferment 3 late payments 5 } DEPT OF ED/XXXX {$37000.00} Balance updated XX/XX/2020 never late. im in deferment 2 late payments
Product: Mortgage

Under 12 CFR 1024.38 ( b ) ( 2 ), the servicer must properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said application. The procedures must also comply with 12 CFR 1024.41. I made an application for a loan modification and it was not fairly or properly processed. It was denied based on erroneous information. 

On or about XXXX XXXX, XXXX I requested a loan modification from FCI Lending Services , Inc. On XXXX XXXX, XXXX, I received a letter from FCI Lending Services Inc. indicating that I needed to provide additional information ( the XXXX and XXXX federal tax return and the last XXXX paycheck stubs ) byXXXX XXXX, XXXX. I sent the additional information on XXXX XXXX, XXXX by express mail and it was received by FCI on XXXX XXXX, XXXX. 

On or about XXXX XXXX, XXXX, I received a letter from XXXX XXXX, who appears to be both the CEO of FCI Lender Services , Inc. and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX as trustee of the XXXX XXXX ( the proposed investor on my alleged loan ) via XXXX XXXX, he denied the loan modification based on " insufficient income ''. " Debt to income ratios XXXX siting the average monthly income on PAST tax returns of {$9200.00} and not the current income submitted which shows income averaging over {$17000.00} per month in XXXX. The XXXX paystubs that were sent to FCI, Check # XXXX dated XXXX and # XXXX dated XXXX respectively show income totaling {$34000.00} during that two-week period which was completely ignored. The denial was based on erroneous information. 

My loan modification application was not properly processed as it ignored the current income and based the decision on past revenue which is not relevant today. 

Additionally, I have requested a complete detailed explanation of the current deficiency which has gone unanswered. I believe the current monthly payment is also incorrect and does not reflect the terms in both the Truth in Lending Statement as well as the actual terms of the Adjustable Rate Note.
Product: Debt collection

I noticed this on my credit today and it cost me XXXX points. I DO NOT OWE THIS BILL AND I NEVER HAD A XXXX XXXX XXXX  ACCOUNT. I CALLED THE COMPANY AND THEY TOLD ME THEY DIDNT SEE THIS ACCOUNT UNDER MY SOCIAL SECURITY NUMBER.. I ASKED THEM TO REMOVE IT AND THEY TOLD ME THEY DON'T KNOW HOW BECAUSE THEY DONT SHOW ME HAVING AN ACCOUNT WITH THEM. I TOLD THEM THEN HOW DID IT GET ON MY CREDIT. THEY FAILED TO TRY AND HELP ME HOWEVER, THIS HAS DAMAGED MY CREDIT AND I WANT PENALIZATION FROM THIS COMPANY. THIS IS A COPY OF THE ACCOUNT ON MY CREDIT REPORT ON XXXX I SPOKE WITH XXXX XXXX, AND XXXX XXXX WHO CLAIMED HE WAS A MANAGER, AND THAT HE DIDNT SEE ANY ACCOUNTS FOR ME AND THEY WAS A BIG COMPANY AND HE DIDNT KNOW WHERE TO TRANSFER ME BECAUSE HE DOESNT SEE ANYTHING UNDER Y NAME, AND MAYBE A NEED TO GOOGLE THE COPANY AGAIN AND MAKE SURE IM CALLING THE RIGHT COMPANY OR CALL THE ORIGINAL CREDITOR WHICH I DID AND THEY DIDNT HAVE ANYTHING UNDER MY SOCIAL SECURITY NUMBER. 

THIS IS A COPY OF WHATS ON MY REPORT.. 
TRANSWORLD SYSTEMS I Last reported XX/XX/XXXX  {$240.00} Open balance XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX  ( 1 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX XXXX XXXX  Report info
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is past the statute of limitations and need to be removed and is also unverifiable which is XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law.

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

I am sending this CFPB complaint and I am asking for further assistance in order to eliminate these particular items in question which are reporting repeatedly on my credit file. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest scores, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. For that, I am hopping for your help to delete this items : XXXX XXXX XXXX XXXX XXXX, MO, XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO, XXXX ; XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$700.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Unpaid Balance {$700.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} ; XXXX XXXX, XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX Unpaid Balance {$16000.00} ; XXXX XXXX XXXXXXXX Unpaid Balance {$700.00}.
Product: Mortgage

I have been receiving threatening letters from Citimortgage regarding my condo in Florida for about a month. The letters request information regarding my hurricane and flood insurance on the property. I submit the information to the website and fax the declaration pages of both policies as requested. Subsequently, another letter will arrive each XXXX threatening to add fees and insurance bills onto my existing mortgage. Again, I update the website with no success. In addition, the bank calls my personal insurance agent numerous times asking for personal insurance information. I called customer service XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. During the initial call I was informed the bank needed master policy information from my homeowner 's association NOT personal insurance policy information. When I asked why the numerous threatening letters did not specify this I was given the runaround. I provided the contact information of the individual who could provide all insurance information regarding the condominium association. Citimortgage continued to call my personal insurance agent for information. Now I am told if the insurance info is not received within a certain window of time XXXX which they wasted with nonsense letters ) I will be charged fees and insurance costs to my mortgage. I stated I refused to pay any fees or insurance when I am adequately insured and was promptly hung up on by Citimortgage customer service. I would like to file a complaint regarding discrimination and unfair business practices. If the bank is going to treat customers in Florida who reside in a flood zone in this manner they should be penalized for such business practices. Ultimately, I REFUSE to pay insurance on my mortgage for insurance I already have but Citibank is too confused to properly ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection.
Our records are among those that may have been impacted, according to the website.
We did NOT opt in to the XXXX XXXX credit monitoring and we do NOT consent to arbitration with Equifax regarding this incident.
Product: Debt collection

I have not had service with XXXX XXXXXXXX XXXX, I sold that home in XX/XX/2022 and have not been there since. This move was in fact reported to XXXX  XXXX, power company, utilities, as well as the XXXX. 

This debt should immediately be removed. 

XXXX XXXX
Product: Checking or savings account

On XXXX/XXXX/2020 I had made a paid for a subscription on XXXX.XXXX. the subscription was six months and cost a total of {$180.00}. This company has to send me a one package a month, but within the first month there was a one month delay. Sp I had to wait an extra month to get my package. When the package arrived, it came with low quality products and one of the items was missing. On the next month 's package it was the same thing. All of the items were here, but they looked very bad in quality. After that, I had decided to request for a refund, but they don't have a proper customer service. So I had to file a dispute through my bank account, but due to lack of communication, the case was closed and I had lost my money. Furthermore, the company XXXX had stop sending me the rest of the products that they owe me. They only send me two packages as of XXXX and haven't send me updates on anything. When I log into my XXXX  account, I can't even see my order history or any of my previous subscriptions that I got from them.
Product: Checking or savings account

This is a copy of the letter I sent to Chase bank. 

XX/XX/XXXX Dear Chase Bank, I am a customer with Chase bank. I am a victim of a job scam and bank scam. 
I got a job offer from XXXX XXXX XXXX XXXX in XX/XX/2018 which I thought was a genuine company. They said they are an Escrow company. 
I completed my employment registration and was given tasks to make payments to clients involved in escrow. 
The company sent the money into my Chase checking account through XXXX for me to give to the escrow clients. Because I was not required to deposit checks into my account or to spend my money I thought everything was genuine. 
I did not receive any salary or bonus from them. 
On XX/XX/XXXX I found out my Chase checking account was frozen and I called Chase bank who told me someone told them the money deposited into my account was not authorized by them, Chase bank told me the froze the account to conduct their own investigation. Then I realized I was a victim of scam. 

The scammer called Chase bank to make himself or herself the victim and me the culprit to get back all the money they sent. I am the real victim with sleepless nights and my bank account frozen and reported to XXXX. I waited for weeks for the bank investigators to contact me and hear from me, no one contacted me from the bank. This is where Chase bank erred, if they had contacted me to find out my story they would have got to the bottom of finding the culprits before making a decision to revert the payment. 

On XX/XX/XXXX Chase bank reversed the payment to the scammer leaving a very huge deficit in my checking account. Did the scammer tell Chase I stole money from their account even when they paid it themselves. So I filed a claim with Chase bank on XX/XX/XXXX for Chase to look at my evidence and find out the real culprits before they get other victims. I called Chase bank again on XX/XX/XXXX where I was told to submit copies of my evidence to any Chase branch manager in XXXX, Texas. I was able to do so on XX/XX/XXXX. Also see Case Number- XXXX XXXX XXXX where all the evidence to support my claim was provided. 
Hoping the deficit will soon be reversed. 
Thank you for your consideration. 
Truly yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

companies continues to report inaccurate information on all accounts, notarized certified mail has been sent along with US government identification proving identity theft, along with a notarized sworn statement as required by law. multiple disputes dating back to XX/XX/2022. experian, XXXX, and XXXX continue to violate title 15 usc 1681b, title 15 usc 1681c-2, title 15 usc 1681s-2 , title 15 usc 1681n and title 15 usc 1681o. consumer financial protection bureau is also being negligent in holding these companies responsible for their actions
Product: Payday loan, title loan, or personal loan

One main Financial has denied me a loan base on my XXXX situation. A previous loan was approved wi the same XXXX income and documentation. A new application denial base on underwriting stated that they are unable to confirm the income. Same income was use for the account that is open. I try to summit all the documents that stated the dates of my continue XXXX status, bank statement that proves the deposit of the income and doctors notes. This is a XXXX discrimination
Product: Credit reporting

I sent the affidavit as requested from the company XXXX XXXX services due to incorrect debt on my credit report. I reported that my identity had to be stolen because I have never lived in Florida. I sent the affidavit by certified mail # XXXX and have not yet received a response from the company XXXX XXXX Services. In addition, I had to pay for this affidavit {$80.00} when it was not my fault and I expect to receive an reimbursement on my money and most important update my credit report by removing the debt that does not belong to me. 

Below the explanation I sent from the original dispute XXXX : I am reviewing my credit report and notice that I have a collection on my Equifax credit report from a collection company named " XXXX ''. Based on the information I see on the credit report it has to do with a home or apt rent or fee at " XXXX ''. I googled the information and it is from Florida. I have never lived in Florida and I never have given authorization to anyone to use my credit information. I have been living in XXXX XXXX for the last 28 years. My address for the last 13 years is XXXX XXXX XXXX XXXX XXXX and the other home I lived was with my parents at XXXX XXXX XXXX XXXX XXXX XXXX, both address are from XXXX XXXX XXXX. I would appreciate that this is investigated and removed immediately from my credit report and the person who stole my identity to be held accountable for fraud and theft.
Product: Credit reporting or other personal consumer reports

Dear XXXX Customer Service, Attn CFPB and All three Major Credit Bureaus I hope this letter finds you well. I am writing to address a persistent issue regarding the reporting of a late payment on my credit profile by XXXX. Despite numerous attempts to rectify this matter, the erroneous late payment continues to negatively impact my creditworthiness. 

I have been a loyal customer of XXXX for about 10 years, and I value our relationship. However, I have encountered an ongoing issue with my credit report that requires immediate attention. The issue revolves around a reported late payment that is inaccurately attributed to my account. I have made several calls to your customer service department to address this issue, and while your representatives have been helpful in temporarily removing the late payment from my credit report, it reappears after a certain period. 

This recurrent problem has been both frustrating and detrimental to my financial standing. I have diligently made my payments on time, and it is disheartening to see my credit score suffer due to a chronic mistake on XXXX 's part. As a responsible borrower, I believe I deserve accurate reporting and fair treatment when it comes to my credit profile. 

I kindly request that XXXX take immediate action to permanently remove the incorrect late payment report from my credit profile. It is crucial to rectify this situation to prevent further damage to my credit history. 

I am aware that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of information reported by creditors, and I trust that PrimeLending will adhere to these guidelines by promptly addressing and correcting this issue. 

I kindly ask for a written confirmation of the removal of the incorrect late payment from my credit profile within 30 days of receiving this letter, as required by the FCRA. Additionally, please provide me with the contact information of the individual or department responsible for overseeing this correction to ensure effective communication regarding its resolution. 

I believe in the importance of maintaining a positive and productive relationship with XXXX, and I am confident that we can resolve this matter amicably. Your prompt attention to this request is greatly appreciated, as it will allow me to regain confidence in the accuracy of my credit report and ensure the fair representation of my credit history. 

Should you require any further documentation or information from my end, please do not hesitate to contact me at your earliest convenience using my supplied identifying information. I look forward to your prompt response and a swift resolution to this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I filed a complaint the CFPB about Merchants Adjustment Service regarding debt collection for a debt that is the result of identity theft ( complaint number XXXX ). 

MAS even provided proof of the result of identity theft by providing a copy of the ID that was stolen. I provided MAS with an FTC Identity Theft Affidavit as well as a demand for proof of their full investigation into the identity theft as required by federal law. 

MAS has not provided the required documentation and has again sent a demand letter for the debt attempting to restart the debt collection efforts without abiding by federal law. 

I have notified MAS multiple times that this account is the result of identity theft yet they continue to re-attempt collection efforts in violation of this statute : " If a CRA notifies you that information you furnished is being blocked on a consumer 's credit report because of identity theft, you must have procedures to prevent the re-reporting of the information. FCRA 623 ( a ) ( 6 ) ( A ) '' MAS has sent me another letter dated XX/XX/XXXX, Reference : XXXX, demanding a response by XX/XX/XXXX. This is my response : a continued statement that this balance and account is the result of identity theft and stolen ID.
Product: Debt collection

I received a voicemail message from XXXX and XXXX. They stated I ignored a deposition and they were going move forward with proceedings. 

I called them back and they stated that I owe a debt of {$84000.00} that I could settle for {$9000.00} and avoid an issuance of a XXXX. The woman I spoke to said if they issue a XXXX it could result in an IRS lien for over {$200000.00}. I told her to contact my attorney and she screamed profanities. 

Here are the violations they committed:1 ) They claimed I ignored a deposition. I was never sued in the XXXX place. 
2 ) They claimed I owe {$84000.00} on a specific debt, which is not correct. Also, this debt is out of the statue of limitations since XX/XX/2012 
3 ) They claim I could avoid the issuance of a XXXX. They only way XXXX could avoid the issuance of a XXXX is paying the debt in full. 
4 ) Used profanities during the conversation.