23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed chapter XXXX bankruptcy in XXXX. The bankruptcy included all my debts including my 1st and a 2nd mortgage. During that time, I decided to keep my home and continue making payments on my 1st mortgage. Last year in XXXX I tried to refinance my home I couldnt because there was a lien on my property by XXXX XXXX. This lien was for the 2nd mortgage that was forgiven by my bankruptcy. I contacted XXXX XXXX  and we negotiated a pay off of {$24000.00}. At that time, I was not able to obtain a loan because of the lack of equity. Recently I have tried again to obtain a loan because I have more equity. I now have a finance company willing to work with me, however XXXX XXXX says I now owe {$45000.00}. I dont understand how they came up with this pay off. During this pandemic I need to refinance my loan due to financial circumstances and XXXX XXXX is taking advantage and is bullying consumers.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute certain information on my credit report that was affected by the XXXX data breach. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of the following accounts from my credit report, as they may have been compromised due to the XXXX breach. 

Please remove the following accounts from my credit report within XXXX ( XXXX ) business days, as required by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, which could have affected the aforementioned accounts. Under Section 605B of the FCRA, I am entitled to have this information removed from my credit report, and I request that you act in accordance with the law by deleting these entries within four ( 4 ) business days of receiving this letter. 

Please confirm in writing that these entries have been removed from my credit report. If any additional documentation is required to process this request, kindly inform me as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your swift response in compliance with the legal timeframe. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the the ownership and legality of this HIPPA Act Violation debt purport that I owe The accounts have been in dispute for over 3yrs.

I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the  verification of the purported debt.
Product: Prepaid card

I purchased a Vanilla gift card from a local XXXXXXXX XXXX store, but unfortunately, the card has not been functioning correctly. When attempting to use it, I discovered that it can not be swiped or utilized for transactions. 

Subsequently, I initiated a service request ( XXXX XXXX : XXXX ) to obtain a replacement for the defective card. Despite this, it has been over three months, and I have yet to receive the replacement. During this period, I have reached out to customer service on more than ten occasions without resolution to my issue. 

Given these circumstances, I am seeking your assistance to expedite the replacement of my Vanilla gift card. Your prompt attention to this matter would be greatly appreciated, as it has been quite an inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 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 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 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  All of these accounts has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand immediate action regarding your improper handling of my account, specifically related to the vehicle loan tied to XXXX XXXX and account number ending in XXXX. As evidenced by the enclosed IRS Form 1099-C, dated XX/XX/XXXX, my debt in the amount of {$38000.00} was legally discharged on that date. Despite this discharge, XXXX XXXX has continued to collect payments from me and has also reported this account as charged off and delinquent on my credit report since XX/XX/XXXX. 

Violations : Failure to Recognize Debt Discharge : Under federal law, once a debt is discharged, creditors are prohibited from taking any further action to collect the debt. XXXX XXXX continued collection efforts, following the discharge documented in the 1099-C, violate the Fair Debt Collection Practices Act ( FDCPA ) and U.S. Bankruptcy Code ( 11 U.S. Code 524 ), which both protect consumers from creditor collection attempts on discharged debts. 

Repossession and Sale of the Vehicle : XXXX XXXX repossessed the vehicle despite the discharge of the loan. You then sold the vehicle and retained all proceeds from the sale, which is an additional violation of my rights. Since the loan was legally discharged, any collection activityincluding repossessionwas illegal. I am entitled to recover the total amount of payments made after the discharge, as well as the proceeds from the sale of the vehicle. 

False Credit Reporting : Despite the debt cancellation, XXXX XXXX has continued to report the account as " charged off '' and delinquent, causing significant damage to my credit report. This is in clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors furnish accurate information to credit reporting agencies. XXXX XXXX continued false reporting has caused significant harm to my financial reputation, including denied credit applications, increased interest rates, and emotional distress for over three years.
Product: Debt collection

I am writing to you about the following Kimball Tirey & St John LLP account # XXXX original creditor XXXX XXXX XXXX  XXXX XXXX opened on XXXX XXXX with a balance of {$2700.00}. It was paid and reported by XXXX XXXX and the account with the original creditor was closed on XXXX XXXX with a remaining balance of {$0.00}. The account attach to Kimball Tirey & St John LLP # XXXX is wrongfully reported on my credit and is negatively effecting my credit score because of its inaccuracy. Im requesting under the CFPBs supervision that this account be removed off all my credit reports. 

Thank You
Product: Bank account or service

XXXX bank in Michigan refuses to cash a check drawn off their bank to a non customer unless the customer opens an account called XXXX. I have proper state issued drivers licenses and XXXX other forms of acceptable governmental ID. I do n't bank with them nor do i ever plan to but they should be required to honor checks written from their customers to others. I was told it was a federal regulation that required me to open this XXXX account. When I asked what federal regulation stated that " i am in banking and know every regulation like the XXXX '' I was told well we dont know but its a federal regulation and you MUST open this account.
Product: Mortgage

The most immediate issue here is a FCRA violation by the current servicer, NewRez LLC dba Shellpoint Mortgage Servicing, by illegally reporting to two CRA 's - XXXX  and XXXX  - that my account is in arrears. The illegality here is due to the fact that I have not made any payment to Shellpoint EVER, and the last payment to the prior servicer ( s ) was XX/XX/XXXX to XXXX XXXX XXXX , XXXX . The last date that this account could be legally reported would have been XX/XX/XXXX. 

This is also the SECOND time this has happened. They did the same thing in XXXX. 

The way they attempt to skirt the time limitation is to falsely claim that I entered into a modification agreement and made payments to them in XXXX and that my payments are " as agreed ''. This wrongly gives them the ability to publish a 120+ day delinquency on the account which seriously reduces my credit rating. 

I have written to the CRAs and, in fact, issued complaints against them here. I also faxed a letter to Shellpoint in my name, and my attorney contacted XXXX XXXX of XXXX XXXX in XXXX, NY, the attorney for Shellpoint/XXXX  XXXX  ( current purported owner of the Note and Mortgage ). So far, they have not responded to the CRA or to me, nor has Ms. XXXX responded to my attorney, XXXX XXXX, XXXX. 

This case began with a foreclosure filed on XX/XX/XXXX, which is still ongoing. We have won several recent motions, one of which required Shellpoint 's attorney to pay {$600.00} in costs to us and the other recent granted motion was to vacate their " Note of Issue '' and Certificate of Readiness for trial. This is a costly one for them to lose since they now must provide meaningful discovery and then pay again the filing fee for a Note of Issue. I believe an argument can be made that the conduct is not only repetitive but retaliatory. 

The initial case was brought by XXXX XXXX XXXX , XXXX and was based, I believe, on a scam similar to ones cited in your File No. 2015-CFPB-0019 consent order against this company ( which is now essentially out of business due to your efforts ). They had received my mortgage from XXXX which had serviced the account and with which I never missed a payment ( as I did not with XXXX  until they involved me in their escrow scam ).
Product: Checking or savings account

i mobile deposited a check XX/XX/XXXX XXXX the bank held it for 8 days as a precaution. after the 8 days the bank asked me to come in to verify my idenity.so i did the following monday.soon as i went in i was treated as i was a criminal.i had all documetion for my deposits and idenity it was at this time that they said they were closing my account. i feel i was racially profiled as a result to my ethnicity. i was embaressed as i was treated diffrently from other customers. i still havent got a check for my account balance. evrytime i call i get the run around from the bank. u.s bank.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries listed on my TransUnion credit report. I did not authorize these inquiries, nor do I recognize them. The details are as follows : 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 - Date of XXXX : XX/XX/XXXX Please investigate these inquiries. I have not applied for credit with these companies and did not authorize these inquiries. I am requesting that these unauthorized inquiries be removed from my credit report immediately.
Product: Checking or savings account

a " XXXX XXXX '' reimbursement check was issued to my business account as " XXXX XXXX XXXXXXXX XXXX XXXX '' was depositted by WellsFargo Bank XXXX XXXXXXXX XXXX XXXX under the account name of " XXXX XXXX ''. 
I brought this to the attention of the bank 's manager, specifically mentioned that the bank has feduciary duties to make sure that business account checks be depositted to their respectively correct XXXX account and the bank has breached this duty. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX
Product: Credit card or prepaid card

In  XXXX     2017 i attempted to make a payment to my capital one accounts, after the payment submitted I realized u had used the wrong account for the payment account and I was unable to change it. So the next day I made a payment with the correct account and I thought everything was fine. Capital One re ported me as 30 days late for the month of  XXXX . I have never been late in the 2 years I have had these accounts.
Product: Mortgage

ditech - the company we had and currently have our mortgage with is unfairly holding escrow dollars. 

We initiated a cash-out refi with ditech. So we had our mortgage with ditech. We did a refi with ditech. The refi funded XXXX XXXX ditech is refusing to refund us the balance from the old loan escrow account. The customer service folks tell me the " rule '' is that they hold the balance for 30 days prior to refunding. That's ( in my opinion ) unfair and just not right. Remember, this old loan was paid off by THEM. How can they not clear their own books when they paid off the loan. There is no other financial entity involved, no checks or wires from other companies to wait on. In the new loan they required us to fully fund the current taxes due and a surplus. So if they are doing the math correctly they have plenty of money for current taxes and a surplus. There is just no justifying sitting on our refund. 

If I don't make my payment on time, they charge me a {$44.00} late fee. Why shouldn't they do the same when the money is due to me?
Product: Checking or savings account

XX/XX/XXXX, I received a 2 wire transfers {$19000.00} & {$24000.00} in my Wells Fargo Bank. Both were accepted and cleared the bank, I was out of town where I live and had to go to another Well Fargo Bank in XXXX XXXX, my previous branch where I lived had assisted me in the past with no issues. 
However after the bank completed my wire transfer of the funds form, the supervisor decided she needed to interrogate me as if I was a criminal and advised had to decide if they wanted to forward my wire transfer and would get back to me. 
I received a call they no longer wanted me as a client and they put a hold on my accounts., Since the above date I have received 4 letters indicating they were continuing the date of closure of my account from XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX now to XX/XX/XXXX. 
Upon contacting them they advised in stage 4 and check should be sent or they would make a decision if any money would be returned. 
Wells Fargo will not complete the closure of my account as they are awaiting the request from the sending bank to return the funds sent via wire transfers, Why?. So that continues the dilemma and they continue to hold all my money,. 
Which is creating financial hardship. I have two accounts they are holding one not involved with any of the wire transfers why should it be involved??
Product: Mortgage

My mortgage was sold to MyLoanCare. Since that time, they failed to provide me with an accurate account number, did not notify me of my insurance policies which were not renewed, tried to charge me for a month of payments from before they purchased the loan, have paid my taxes late two times and are refusing to provide me with documentation that they did not charge the late fees to my escrow accounts and now are refusing to remove the lender imposed flood insurance from account and have charged me another month for the insurance that I do not need. I have provided the requested XXXX letter to both Myloancare and XXXX and they will not respond to my emails. I just tried to call them to resolve the problem. They are asking for another copy of the letter, which is readily available online at XXXX. In the meantime, I have been charged another month of insurance payments. I have exhausted all of my options and need help. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE 3 CREDIT REPORTING AGENCIES FAILED TO INVESTIGATE MY DISPUTES, ITS BEEN WELL OVER 60 DAYS, AND THEY FAILED TO INVESTIGATE THE INACCURATE AND UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORTS. 

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA XXXX 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Product: Debt collection

I received letter last week from Cooling and Winter a law firm which states they do n't have any attorney personally evaluating my account however XXXX is stating I had a credit card with XXXX Bank in the amount of {$830.00} in which a bill was going to an address where I never lived in XXXX XXXX. They asked me a few questions and unfortunately I did give my social number however my wife noticed there were charges in XXXX on the credit card and they had a DOB which was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 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/XXXX
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  ( XXXX )
Product: Checking or savings account

I opened an account with www.bitstamp.com based on a person who refereed to this site, As this site deals with crypto currencies.I opened an account and transferred money {$500.00} to this site. Later i realized the person who refereed me to this site was a hacker. I did bring this to the notice of Bitstamp.com, I have decided to withdraw the money back to my bank account. bitstamp.com decided to block withdrawal access. I have checked with customer support to number of times repeatedly and requested to allow me to transfer back my fund to my checking account. Finally they revoked my access and requested me to provide my Checking account details that they will transfer the funds. They did transfer {$400.00} instead of {$500.00}. When i asked why they did not refund the full amount. They are stating that wire and penalty chargers are deducted from the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i visited XXXX all 3 bureaus refused to provide my report until i " verified '' my phone number on the site. i have never given them my number to verify, which means they are demanding information they don't have, in order to add this info to my credit report, before complying with the law. they can't verify a phone number they don't have, and they have no right to my phone number. i provided all the info necessary to receive my report in the past. now, they are illegally demanding personal info from me they don't already have before complying with the law. you would have to be crazy to provide a credit bureau with a phone number that they can then provide/sell in your report to any company that wants it.