23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I believe this is an old debt not owed to XXXX XXXX XXXX from approximately XXXX. I had internet service with XXXX XXXX XXXX and they had authority to deduct payments from my bank account. The consumer shut-off my service and still continued to take the money for several months. I called them regarding this and they still kept taking the money every month. I contacted my bank and provided them with the information for a claim, immediately they put a freeze on the company from removing anymore funds, and started an investigation. The bank concluded the investigation and returned all the funds they had taken for the months my service was interrupted. I returned their equipment via XXXX XXXX and the boxes they provided. 

I have spoken with ERC, another collection company, XXXX XXXX XXXX, also the Credit Bureaus to remove this erroneous information from my account. On XX/XX/XXXX I received another letter from ERC to collect a debt not owed. I have made several attempts to rectify this problem and as ERC has purchased a bogus account they feel I should pay anyway, as this has been stated to me. This is unfair practices and the threats need to stop also XXXX XXXX XXXX needs to be sure there isn't a problem with the debt account they have accrued due to their error.
Product: Mortgage

I have been given the runaround since XX/XX/XXXX by Ditech Financial in an attempt to cash an escrow check due to a recent payoff that was issued in my deceased mother 's name since she was the borrower on the account. 

My sister and I were added to this property via deed back in XXXX and when my mother passed in XXXX of XXXX, I was handling all affairs on loan. I never went through probate because my sister and I were added onto the deed with our mother. 

I initially called Ditech on XX/XX/XXXX and spoke with Customer Service explaining the escrow situation because my brother was in the process of refinancing our mother 's property. We were already given the payoff date of XX/XX/XXXX. 

I explained that the escrow check being issued under my late mother 's name would be a problem. The Customer Service agent explained that I would need to fax a copy of the death certificate and warranty deed to confirm ownership of the property. 

On XX/XX/XXXX I faxed copies of the death certificate and warranty deed along with my request on the fax cover sheet. Please see attached proof of fax. 

My second attempt was made on XX/XX/XXXX when I sent an email submitting the documents again and explaining my request in detail and on XX/XX/XXXX a generic response was sent from Ditech that my request is being reviewed. 

On XX/XX/XXXX Ditech responded to my request asking for a copy of the death certificate and legal documentation confirming right of ownership. I had already sent in the death certificate and warranty deed two separate times XXXX XX/XX/XXXX and XX/XX/XXXX ). 

My third attempt was made on XX/XX/XXXX when I sent yet another email explaining my request and resubmitting the documents requested along with a copy of the escrow check that was issued to my deceased mother. 

I have yet to hear a response back from Ditech. I now have an escrow check that I am unable to cash because it was issued to my deceased mother. Please I am asking for assistance in this matter. Ditech needs to issue the check to either myself or to myself and my sister as I have submitted proof several times that we were added to our mother 's deed.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$28000.00} XXXX XXXXXXXX XXXX Balance Owed : $ {$0.00}
Product: Debt collection

I have filed a complaint before - Case # XXXX. I was hit with a " double whammy '' yesterday, XXXX XXXX/XXXX/16, with NOT 1, BUT, 2 harassing letters from JP Morgan/Chase, demanding that I pay THEM MORE MONEY, AFTER, I HAD SENT THEM A CHECK IN THE AMOUNT OF {$49000.00}. ALONG with a letter stating that this was PAYMENT IN FULL AND I WOULD NOT PAY ANYTHING ELSE!! BUT, JP Morgan/Chase is STILL HARASSING ME FOR A MERE {$35.00}!!!! IF THEY HAD N'T BLOCKED MY ABILITY TO PAY ONLINE, AS THEY HAVE, THEY WOULD HAVE GOTTEN THAT FINAL PAYMENT, THE DAY THE STATEMENT WAS RECEIVED!!!! BUT NO, I HAD TO SEND THE PAYMENT VIAL " SNAIL MAIL ''!!!!!! AREN'T/CA N'T THEY BE SATISFIED WITH THE $ XXXX I SENT THEM TO PAY OFF THIS DEBT?????? THIS IS NOTHING BUT HARASSMENT ON THEIR PART!!!! WHAT NEXT??? THEY ARE GOING TO FORECLOSE ON MY HOUSE FOR A FREAKING {$35.00}??? IT 'S THEIR FAULT THAT THEY BLOCKED MY ABILITY TO PAY ONLINE AND TO SEND THEM EMAILS!!!! I 'VE HAD IT WITH THIS FRADULENT BANKING CORPORATION!!! I TOTALLY REFUSE TO PAY THIS {$35.00}!!! WHAT THEN?? AFTER I PAY THAT AMT. THEY ARE GOING TO COME AFTER ME FOR MORE MONEY FOR PADDED, BOGUS FEES, WHATEVER???? I 'VE HAD IT, AND I 'M GOING TO TAKE A STAND, EVEN IF YOU ARE NOT!!!! I 'M SO XXXX AGAINST THEM, AND, HAVE XXXX & TIRED OF THEIR INTIMADATON, HARASSMENT, AND THREATS, IT IS N'T FUNNY!!!! THIS BANKING ORGANIZATION, JP MORGAN/CHASE, AS I HAVE FOUND OUT, HAS HAD NUMEROUS COMPLAINTS AGAINST THEM AND THEY HAVE BEEN ACCUSED OF FRADULENT BANKING PRACTICES!!! BUT YOUR ORGANIZATION IGNORES/TURNS A BLIND EYE TO THAT??? WHY??? BECAUSE THEY 'RE A HUGE CORPORATION AND YOUR AFRAID OF " TAKING THEM ON ''?????? I have been going through their XXXX for almost 1-1/2 YEARS, AND I 'M TIRED OF IT!!!!
Product: Checking or savings account

I am filing a complaint due to Capital One withholding my direct deposit funds from my employer. Capital One is citing a technical issue which may be in violation of the Electronic Funds Transfer Act as it requires timely access to electronic funds. I request your assistance in a full investigation to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Upon discovery after viewing my consumer report I see that XXXX XXXX XXXX is reporting XXXX inaccurate late payments to consumer reporting agencies- XXXX, Equifax XXXX XXXX. In good faith I am writing to challenge the validity of all XXXX  alleged late payments from the months of XXXX, XXXX, & XXXX of XXXX. I never received my periodic statement from the months of XXXX, XXXX & XXXX XXXX days before the billing due date invoking a billing error- XXXX XXXX XXXX XXXX ( a ). I am requesting XXXX XXXX XXXX to provide the certified tracking number used to mail all XXXX periodic statements to the address on file. If XXXX XXXX XXXX can not supply the tracking number I am requesting in good faith that XXXX XXXX XXXX notify all XXXX consumer reporting agencies- ( XXXX, Equifax XXXX XXXX ) to update all three alleged late payments to current.
Product: Debt collection

NOTICE of Fraudulent access to my non public personal information. No express written consent was provided to D2 Management to use, store or maintain my indentifying information for monetary gains. REMOVE or DELETE this entire account from ALL consumer reporting agencies and your internal data base. Failure to comply with law shall result in criminal liability.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information on Credit Report To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint regarding Experians, XXXX handling of my request to remove outdated and incorrect address information from my credit report. Despite multiple requests to correct this information under the Fair Credit Reporting Act ( FCRA ), my report still includes addresses that are no longer valid or do not pertain to me. 

Specifically, my Experian credit report includes the following incorrect addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX These addresses do not reflect my current or past residences and, therefore, are inaccurate. Under the FCRA, credit reporting agencies are required to maintain accurate information. Failure to remove this outdated and incorrect information is not only misleading but potentially harmful to my credit standing. I kindly ask the CFPB to assist in ensuring that Experian complies with the FCRA by updating my credit report to reflect only accurate and relevant information. 

My current address, which should be the only address on file, is : XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX, TX XXXX Thank you for your attention to this matter, and I look forward to a timely resolution. 

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

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, Experian, and XXXX credit reports. My latest credit report shows XXXX credit inquires that I did not authorize. 
unauthorized Inquires from : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN BUSINESS CXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I noticed a fraudulent collections account for {$680.00} on my XXXX Credit Report. I called the company, claiming this is a fraudulent collections account due to Identity Theft. They claimed they couldn't do anything about it until I filled out the packet they would send to me in the mail. This packet was never sent. Today is XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report shows a status of, " Discharged through Bankruptcy Chapter XXXX / Never late '' as of XX/XX/2020 against my mortgage. 

The problem is that my mortgage was NEVER discharged through bankruptcy which they should know because my mortgage is through them. 

I would really like to get a mortgage with a lower interest rate and this is preventing that from happening.
Product: Vehicle loan or lease

I had a loan with Chase Auto for my XXXX XXXX XXXX in which the loan ended in XX/XX/XXXX. I made my final car payment on XX/XX/XXXX. Prior to XX/XX/XXXX I had contacted Chase Auto via phone to update them on my mailing address, as I had recently moved from XXXX XXXX XXXX. XX/XX/XXXX came and went after my last payment and I never received my car title in the mail. I left ample time for it to be sent out and arrive. In early XXXX I followed up on the phone with Chase Auto again to see if they had sent out my title, in which they said they had and they verified sending it to correct address. I have had no problems receiving mail from anyone else. The representative I had spoken to said she would send a lien release so I could get my title. It is XXXX now and I have still not gotten any title or lien release. I have also submitted a lien release request twice throughout XXXX through Chase 's website in which nothing has been mailed to me. They claim it will be sent out in 3-5 business days, but a whole month has come and gone with receiving nothing. My current license plates have already expired and I would like to go to the XXXX to register my car with the state of XXXX, but I have no way of doing so without having my proof of ownership. My car is 100 % paid off so getting me my title should not be a problem.
Product: Mortgage

For over XXXX year now, I have requested a copy of the XXXX XXXX XXXX XXXX XXXX policy that Mr. Cooper, also RightPath Servicing and also Rushmore Servicing, has claimed to have in their possession. This is for the term XX/XX/XXXX to XX/XX/XXXX. The above mentioned claimed to have referenced this XXXX XXXX XXXX master insurance policy in order to determine that the insurance coverage is insufficient, therefore, the need for XXXX was necessary. This claim has been disputed since RightPath Servicing first made this claim in XX/XX/XXXX. Proof of insurance was sent, on multiple occasions, and requests for the servicer to produce this insurance document that they claim to have referenced has also be made on multiple occasions. The servicer continues to refuse to produce this requested document and has reported me to the credit bureau while requests for documents are pending. This is a direct violation of the CFPB regulation.
Product: Checking or savings account

I was checking my 401K account that is managed through Wells Fargo. I noticed that I was being charged a service/management fee on the XXXX  XXXX account, even though there was no monies being deposited to this account or through this account from XX/XX/17-XX/XX/XXXX. I called Wells Fargo, and they could not tell me why I was being charged a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

These is a XXXX bill located on the profile under XXXX XXXX in which it has stopped me from obtaining future business credit for the company.
Product: Debt collection

On XX/XX/2019 my XXXX and XXXX Accounts were both flagged as collection from the company of Enhanced Recovery Collections. I attempted to dispute this collection on the XXXX of XXXX. On the XXXX of XXXX my dispute came back at validation of debt. I called ERC to settle the account ( which is not mine ) for {$290.00} to get it off of my reports. They were rude and very unprofessional.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes (XX/XX/19) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below…ACCOUNTS	XXXX XXXX	not mine	ILLINOIS XXXX XXXX	not mine	XXXX XXXX	not minePUBLIC FILINGS	FEDERAL DISTRICT	XXXX	not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting AcXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I was a victim of identity theft while in the XXXX and recently found out that I had this on my credit report.
Product: Credit reporting or other personal consumer reports

This is related to case XXXX. XXXX XXXX XXXX  did not adequately respond. They provided no documentation. They just said " our findings show the card account was opened properly ''. If so, where is my signature? Why is the birthday of the account holder different from mine? I want this bogus information removed from my credit report, and I want it done now!
Product: Credit reporting or other personal consumer reports

I never filled out an application for this one main financial. Please remove from my credit.
Product: Debt collection

I got behind on my XXXX payments with Ally Financial. I was in communication with the company and made arrangements to bring the account up to date. After I spoke to them they started calling all of my family. They called my adoptive mother, my biological mother ( who I did not grow up with ) XXXX of my brothers, my brothers wives all on the same day, and when XXXX of my sister in laws did not answer the phone they called my sister in laws parents. They told my biological mother how they were getting the information to contact all of them. He said he paid for the phone numbers for all of the people that I might be related to our had possible connections to. 
They called my husbands family as well. They did not disclose the debt but they began asking questions about where I lived, how to contact me, who I worked for etc. which they already had that information. They did all of this on the same day in a mater of hours. My sister in laws live in the same home as their husbands and after they hung up with my brothers they called my sisters in laws phones. 
This is harassment and should not be allowed. Of course my family would know what was going on when every single one of them were called within minutes of each other. They might as well have told them I was past due. They all speak to each other so everyone knew they had been called.
Product: Vehicle loan or lease

I financed this car in XXXX  and a year later I totaled the car. I dont know why I have to still pay for it if its not a working vehicle. Its been sent to the collectors and they have threatened that it will affect my credit if I dont pay the full {$250.00} every month. They have been taking out {$120.00} every 2 weeks for about a year now. I have to also pay {$390.00} for a different car I have. This is putting a huge burden on my bank account and savings and Im not sure where else to turn.
Product: Credit card or prepaid card

XX/XX/2018 - Called Citi prior to making a large furniture purchase to confirm that the purchase would qualify for the 5 % cash back promotion. Was told that " absolutely '' it would. 

XX/XX/2018 - Made a credit card purchase with XXXX XXXX using Citi credit card XX/XX/2018 - Called Citi about not getting points. Call escalated to a supervisor who indicated the purchase should have qualified and would be corrected on my next statement. 

XX/XX/2018 - Received a letter from Citi saying the due to the merchant code, the purchase did not qualify. 

XX/XX/2018 - Submitted a letter to Citi from XXXX XXXX indicating that the purchase was indeed a home furnishing purchase and should qualify. Was told by a Citi representative ( XXXX ) that the issue had again been escalated to a supervisor and the missing {$240.00} would be on my next statement. 

XX/XX/2018 - {$240.00} credit did not show up on statement. Called Citi again and filed this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, 2023, XXXX XXXX admitted liability in exceeding the XXXX rates of the State of Massachusetts. On XX/XX/XXXX, the CFPB announced an action against the Bank of America. These are money-center banks, with exceptionally first rate people, helping our families and our Communities to even in the midst of the most difficult of times. XXXX remitted interest and fees to be within the XXXX laws of State of Massachusetts and Bank of America should be allowed only the same decision, without monetary penalty or fines. XXXX XXXX and XXXX XXXX  set their own standards by law already. ; I want XXXX to do well. XXXX XXXX also agreed to the following stipulations on a " best effort '' basis. XXXX ) Loans would receive an incentive, provided no deflation, for Gross domestic product creation-measured by the 5 or 6 different Federal Reserve districts the Banks lend in. This incentives loan, equity, and capital ratios to further achieve production, and increases the strength and value of all loans in the loan portfolio. We save ourselves and our Banks if we can increase gross domestic product creation. XXXX ) On a best efforts basis, XXXX XXXX and XXXX XXXX will find a way to help workers with some transportation costs, to get back to our beautiful cities, our XXXX XXXX, XXXX, and XXXX XXXX XXXXXXXX. This saves our commercial real estate portfolios. And saves our Banks and our Governments. As Bank of America is essentially of violating various XXXX laws, just like XXXX, I ask that the decision be more searching, not as a fine, but as stipulations on a " Best efforts basis '' to build our economy, our lifestyles, and our work. Bank of America is hard-working and first rate, and I know that the Bank of America XXXX just like XXXX will do this. I ask that the decision as against Bank of America be amended to follow current decisions and that the CFPB obtain from Bank of America the most valuable of all concessions- the best efforts pledge to incentivize whenever gross domestic product creation. Our Country does deserve the independence of XXXX and XXXX XXXX and their guidance, as we restore our Country, our values, and our way of life. Please send me an email when BOA is contacted, please tell them of XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The  " annualcreditreport.com  '' website is a piece of junk.     The CAPTCHA form is close to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

Below are the accounts in question : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX.