23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX Specialized Loan Servicing loan # XXXX I pay the Homeowners Insurance ( XXXX XXXX  ) myself. I have supplied proof of policy and payment. The mortgage servicer refuses to refund amount impounded to escrow for insurance. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$35000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance {$2100.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance {$2400.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019 Balance {$0.00}
Product: Credit card or prepaid card

I have disputed both charges below because they were both fraudulent ( unauthorized ) : XX/XX/26 XX/XX/26 XXXX  XXXX MO {$87.00} XX/XX/26 XX/XX/26 XXXX  XXXX MO {$89.00} I have called XXXX 3-4 times to request credits for these charges and the reps tell me that if I do this or that ( e.g., sign and email letters back to XXXX ) I will receive full credits within a few days. I have done everything asked of me. It has been three months now and no credits have been received. 
Interestingly, each rep I have talked to agrees the charges are fraudulent, but said they have to follow a process of review, etc. I have talked to XXXX in XXXX Ky, XXXX ID XXXX XXXX, XXXX XXXX XXXX ID XXXX XXXX ), and XXXX ID : XXXX.
Product: Money transfer, virtual currency, or money service

Please help me. I'm XXXX and XXXX, that said I have PayPal business customer service and supervisors on the recording I told them that I was recording and I caught the attention of not one, two or  even three lies but they were knowingly holding my money for the second time and permanently banning my ability to work with them again and I am still waiting for any reason or explanation or indicationof how or what the problem was. Well after the 1stagent claiming to be a supervisor he has to finally admitthat he is not and I asked him to transfer the call to a real supervisor, but not before asking for his employe ID # which I find out by the real supervisor that he gave me a false I'd #. I'm gon na digress because it gets so much worse and I will let whomever I decide to trust listento the unparalleled XXXX XXXX that justified them lockingme out of my own money. Please, help because I am an XXXX but I know when I am being bent over. Sincerely and my apologies for the language. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL OF THE INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT. THE INFORMATION LISTED ON THIS DOCUMENMT IS NOT MINE AND NEED TO BE CORRECTED. THIS IS A RESULT OF IDENTITY THEFT. 
US CODE 1681 E- COMPLIANCE PROCEDURES B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

a few years back I was notified that upgrade had given an $ XXXX loan to me .... but it wasn't me. I have tried numerous time to get proof that they gave this too me but they can not provide me any information. I filed a police report, have spent numerous hours on the phone with upgrade and begged them to provide me proof that this was my loan, but it wasn't me. It is still showing on my credit. I have gone so far now as to engage my attorney in an effort to have this removed from my credit, I have submitted complaints with the credit agencies and they have come back saying that upgrade has verified this was my account, but it wasn't and they will not provide any information or proof.
Product: Credit reporting or other personal consumer reports

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been sending dispute letters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, demands and document request for almost a year with several certified mail recents, this company as shown clear signs of willful non compliance by refusing to accept documents sent with dispute letters, also by willfully reporting 2 different accounts with the same company and mostly breaking several FCRA laws. This would be the second CFPB complaint with no action taken by the company. Exact accounts, dates, along with proof of identity, recent paystubs, original copy of birth certificate, copy of Valid State ID, recent bank statements, recent utility bills and copies of Consumer Reports purchased from XXXX XXXX XXXX  ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ) have been attached to all XXXX months old certified mail dispute recents. I am filing this claim to support legal action for statutory, Punitive, and civil liability damages. 

For refusing to update personal information, disputing and removing positive accounts on consumer report that wasn't requested but ignoring actual negative items disputed resulting in a negative credit score and high interest rates, willful non compliance for FCRA laws 15 USC 1681A ( Definitions ; rules of construction ), 15 USC 1681E ( Compliance Procedures ), 15 USC 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), 15 U.S. Code 1681d ( Disclosure of investigative consumer reports ) ,15 U.S. Code 1681i ( Procedure in case of disputed accuracy ), 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) I will also be filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been a customer of chime for years. Over the last week my account has been compromised three times. Someone sent an email with a fake id requesting my login information be updated. It was approved by XXXX.. That was resolved by me sending in proof identification. After regaining access to my account the account was yet again approved for update by a scammer this change was also approved by XXXX after going through the verification steps again I re gained access to my account. Now today my information was yet again updated by XXXX without my permission so yet again I have no access. At this point I am frustrated and this seems like negligence by chime to allow these updates. There is no reason that my account information should be updated without my consent three times!! ' The employees need to do their job right!!
Product: Mortgage

For months we have had issues with 5th 3rd Bank for our mortgage. We refinanced and dropped our mortgage insurance payment. One occasion they under charged our account for our mortgage payment by {$12.00}. They did not notify us. They held the funds and counted us late. Until the next month until we called to pay our next payment. It was a true struggle for them to remove the late fee, fix our credit reporting, and find out why we weren't notified we were undercharged. The next month they took down the wrong account information and also charged a late fee. They called this time ; however, once they relized this was their error again, it was like pulling teeth to get them to remove the late charge and report correctly on our credit. They are impossible to get in contact with. Constantly being transferred to other departments. On 2 occurances there have been very rude and curt managers. One call never leads to resolution. They have made owning a home extremely stressful and unpleasent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry by XXXX on XXXX Unauthorized inquiry by XXXX XXXX on XXXX Unauthorized inquiry by XXXX XXXX  on XXXX Unauthorized inquiry by XXXX XXXX on XXXX Unauthorized inquiry by XXXX on XXXX I called each company to state that I didn't initiate these inquiries and requested for them to delete the inquiries from the bureaus or send me a deletion letter. I was ignored after several request.
Product: Checking or savings account

Dear TransferWise Support Team, I hope this message finds you well. I am writing to you with utmost sincerity and a strong desire to resolve any concerns that may have led to the closure of my TransferWise account. 

I recently received notification that my account has been closed, and I understand the importance of complying with TransferWise policies. I deeply value the services provided by TransferWise and wish to rectify any issues that may have contributed to this decision. 

I work as a XXXX providing services to multiple clients, and my TransferWise account plays a crucial role in managing my financial transactions efficiently. Being a XXXX, timely and reliable access to my funds is vital for both personal and professional reasons. 

I kindly request you reconsider the closure of my account, and I am committed to addressing any concerns or rectifying any issues that may have led to this decision. I understand the importance of security and compliance, and I assure you that I am fully committed to adhering to TransferWise 's policies and guidelines. 

If there are specific reasons for the account closure, I would appreciate detailed information or guidance on how I can rectify the situation. I am more than willing to provide any necessary documentation or information to verify the legitimacy of my activities and transactions.

I sincerely hope for the opportunity to continue using TransferWise for my financial needs and believe that, together, we can find a resolution that ensures compliance with policies while allowing me to benefit from the services your platform provides.

Thank you for considering my appeal. I am looking forward to your prompt response and guidance on the steps required to reactivate my account. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today date XX/XX/XXXX My name is XXXX XXXX I ask this account to be removed and deleted from my credit report 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX 
Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured XXXX Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - PAYMENT XXXX XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Highest balance $ 3 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX
Product: Credit card or prepaid card

Online payments are not using the account selected. I have 2 banking accounts entered for my card payment ( s ). This has happened multiple times over the past year. I am extremely careful to select the appropriate account, however when the payment is made the account is changed to the secondary account I have on file. 

This is creating overdrafts and issues with my other bank. Today my mortgage payment will bounce due to the issues with Elan 's website. I want this repaired as well as reimbursed ALL charges, interest associated with the website malfunctioning. 

When I called today I spoke to 2 people and they both told me it was my issue that I didn't select the correct account. I know for a fact that I selected the appropriate account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and make a payment. The only response I got was there is not way this can happen. XXXX XXXX XXXX I know glitches are possible and as a XXXX I know for a fact there is a glitch and the system did not use the account I selected. 

I am tired of having overdrafts at my bank because Elan Financial refuses to fix this problem. The confirmations from Elan when a payment is schedule only state payment has been scheduled. There is no confirmation number or account used. You only receive a msg stating your payment has been scheduled. 

Most recently amounts taken from the incorrect account are : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I found XXXX issues on my credit report from Experian today, XX/XX/2016. I tried several times to submit disputes using their website but it timed out or just crashed each time I got the information logged. Finally the site stopped letting me attempt to log the disputes entirely. I called the number they directed me to XXXX.EXPERIAN and got some company who wanted to sell me credit monitoring services. I just want to get the items on my report fixed, thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the a lot of items to be reporting WRONG! on XX/XX/XXXX I sent dispute Letters out to XXXX, XXXX and XXXX to Remove the XXXX XXXX XXXX reporting on my credit report. 

The copy I received of my credit report had the following item ( XXXX ) to be in error that I believe is a mistaken Identity error with a XXXX showing Case XXXX that I want removed from my credit report. 

Also I notice inquires that was not authorized by XXXX XXXX on XX/XX/XXXX. 
a inquiry that was not authorized by XXXX XXXX on XXXX/XXXX/XXXX, a inquiry that was not authorized again by XXXX on XX/XX/XXXX on XX/XX/XXXX I sent out another letter because I didn't get a response and I was in total disagreement with their investigation response. The incorrect items listed above still appear on my credit report, even after their investigation I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX and XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX account number XXXX, Preferred Lease account number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, also listed under inquiries, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX Na dated XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Na XX/XX/XXXX, XXXX  XXXX Na XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX XXXXBalance : {$270.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

I have paid monthly with the XXXX XXXX directly on monthly bases and I have submitted this information to XXXX but they not removing the wrong information in my account. I owe nobody any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 15 U.S. Code 1681s2 and 5 U.S. Code 552a, 15 U.S. Code 6802, 15 U.S. Code 6805 THIS IS NOT A DISPUTE.

Im submitting this letter in regards to the negative items reported on my consumer report without my consent. I demand these items be deleted and blocked from reporting and having an affect on my report that Im taking control of from this day forward.

These laws that are attached will help represent me, the living being, not someone who is considered lost at sea.

15USC16930-1 HSR-192 18USC8 12USC411 UCC3-419 UCC1-308 UCC3-603 UCC3-104 31USC23 31USC3123 31USC-5103 XXXX XXXX XXXX. 

XXXX XXXX. 


I do not wish to contract with any of the said above parties, so do the right thing and follow and obey all laws as instructed. 

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
Product: Debt collection

XXXX WAS WELL AWARE THATXXXX WAS PART OF FTC I.D . THEFT REPORT. THEY PROCEEDED TO SUBMIT THIS CHARGED OFF ACCOUNT IN 2008. THEY SENT TO XXXX COLLECTION AGENCIES WHICH DESTROYED MY CREDIT AND ENDED UP PAYING AMO RECOVERIES IN ERROR OVER {$1200.00} IN ERROR, IN VIOLATION OF FTC, FCRA, FDCPA AND TCPA SO ON!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of estoppel. v gravens ( mo ) 281 SW715.719 presumed that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXXXXXX XXXX {$2000.00}, XXXX  XXXX {$1600.00}, XXXX XXXX balance {$2500.00}XXXX XXXX XXXX XXXXXXXX XXXX {$4400.00}, XXXX XXXX XXXX  XXXX {$4100.00}, XXXX XXXX XXXX  balance {$270.00}, XXXX XXXX balance {$0.00}, XXXX XXXX XXXXXXXX {$0.00}.