23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX has sent a debt to the collection company TransWorld System. I was a former employee and had the email sent to me to deliver to my landlord. Which the original statement is sent in their name not mine. I had provide the mailing address to XXXX XXXX to mail the invoice to the landlord. The own has a bad feeling about me as I walked out as an employee without notice. This is not my debt.
Product: Credit reporting

XXXX pulled a hard credit inquiry with out my permission on XXXX XXXX, 2015 as reported on my Equifax credit report. This need to be immediately removed. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

No matter how hard I try, they continue to report these inaccurate accounts on my reports.
Product: Mortgage

I applied for loan modification to XXXX XXXX XXXX at XXXX Box XXXX, XXXX XXXX, FL XXXX. The bank denied my application for not responding although I had called many times and I sent application documents XX/XX/2018 after receipt of the application documents via email XX/XX/2018. 

XXXX XXXX XXXX  mailed a letter dated XX/XX/2018 for denial of loan modification application, of which envelop was stamped XX/XX/2018, and reached me XX/XX/2018. 

The letter states they do not accept appeal after XX/XX/2018 when the letter was mailed one day before the due date for appeal from Florida which takes at least 3 days to reach me. 

Since they did not accept my one month payment when two month delay and said they mailed the application document on the same day they sent email but the documents did not come via land mail, it seems the letter was intentionally mailed to reach me after expiration date for appeal. 

This is so unfair business conduct as a bank, operating in the U.S.A. It seems they are trying to foreclose when there is a good chance to correct the situation instead of actually help stating in an inserted a letter to help.
Product: Checking or savings account

On XX/XX/21 I arrived at Santander Bank in XXXX on XXXX XXXX XXXX XXXX to meet with my daughter to open an account. I met with XXXX XXXX the week prior on a Friday and also met with Mr. XXXX. I was their for what I would consider a long time met with them to asking some questions about mortgages due to my daughter is interested in potentially by a home. My daughter and I waited awhile and once it was our turn I arrived with a white shopping bag tied to my orange hand bag filled with our cash. I walk with a cane and we sat down and he asked for information from her in order to open the account. Once he was done I took the manila envelop and handed to XXXX XXXX he took it from me and to another area I waiting for him to call us to the front and, count the money or ask how much was in there but he never did nor did he count it with us or in front of us. He walked over to another area and said one of the tellers are counting the money. I am not sure who they are because we did not see who was counting it. He went back and handed us a receipt of {$17000.00} in total. We were never given a deposit slip to fill out. When that happened I looked at him with concern and, I was shock as was my daughter and, started to feel anxious I told daughter to go because we both felt a since of concern if we had said anything so left to catch our breath. There were a lot of customers in the store and XXXX was the person in the store helping everyone. We came back the next day and, waited to be seen and, explain to him the huge error that had happened with the amount on the receipt has was not correct and, we ask him to pull the tape he said that he did not know who's job it is to do that I ask him to please email both my daughter and I so we know he is working on it we have not heard anything about a report being made. We did receive a call from Mr XXXX XXXX saying he wanted us to bring him proof to him where we got the money from I told him I will bring once I we reach out to the banks we will be providing documentations. I called MrXXXX XXXX last XXXX to follow up he said he has nothing on the tape to tell me. When the incident happened we did call costumer service and, spoke to XXXX he said he would forward the call to the right person this never happen it has been over 21 days nothing from anyone from the bank with an update. Though I did speak with a XXXX XXXX he ask if some one gave a bag with the amount of money that I am claiming. Please know that I will be providing documents I have made the requests I waiting to receive them and I send it at a later time. The reason am now sending the complaint I had call and, request for the application I have not received it via mail. We still have the XXXX at the bank we are not sure what to do we were told to leave it there by a Santander employee until the matter was resolve.Files will be provided for this complaint I am waiting from other institution and, other parties.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address a severe matter regarding fraudulent activity on my credit report. Upon thorough review, I have uncovered multiple inaccurate and unauthorized entries that significantly compromise my financial integrity and creditworthiness. These fraudulent accounts have been causing unwarranted distress and hardship, and I seek your immediate intervention to rectify this situation. 

The fraudulent entries in question are as follows : XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7600.00} Status Open. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$20000.00} Status {$2600.00}. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX. 


Despite my repeated efforts to address these issues with the credit reporting agencies, the entries persist on my report, unjustly tarnishing my credit score and financial reputation.

It is imperative to emphasize that I have never authorized or initiated any of these accounts. I strongly suspect that they are the result of identity theft or malicious activity targeting my financial records. As a vigilant consumer, I have diligently monitored my credit report and have taken immediate action upon discovering these discrepancies. 

In light of these grave concerns, I wish to draw your attention to several pertinent laws and regulations established under the Fair Credit Reporting Act ( FCRA ) that safeguard consumer rights : Fair Credit Reporting Act ( FCRA ) Section 609 : This section empowers consumers to request disclosure of their credit report and dispute any inaccuracies or fraudulent entries therein. 
Fair Credit Reporting Act ( FCRA ) Section 611 : This section mandates credit reporting agencies to promptly investigate and address any disputes raised by consumers regarding the accuracy of information on their credit reports. 
Fair Credit Reporting Act ( FCRA ) Section 615 : This section outlines the responsibilities of information furnishers, such as creditors and lenders, to ensure the accuracy and integrity of the information they provide to credit reporting agencies. 
I urgently implore the Consumer Financial Protection Bureau to intervene in this matter and expedite the removal of these fraudulent entries from my credit report. Additionally, I request a thorough investigation into the origins of this fraudulent activity and appropriate actions against the perpetrators. 

Enclosed with this letter are copies of documents supporting my identity and evidence of the fraudulent entries on my credit report. 

Your prompt attention to this matter is greatly appreciated, and I eagerly await a swift resolution. Please do not hesitate to contact me if further information or assistance is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lately I've noticed that my late payment information with JP Morgan Chase mortgage is being changed. It's happened two months in row. I use XXXX XXXX to monitor my credit. We sold the home in 2016, so I don't know why my late payments on that mortgage are being changed now. 
I have not contacted Chase about these recent changes, as I do not want to discuss my mortgage issues with them any further. ( They encouraged we apply for a loan modification that we were never eligible for. Requested I miss mortgage payments in order to " qualify ''. Returned mortgage payments I sent them. The foreclosure process began even though we were still in the modification process. Encouraged me to continue the process, even after I explained I was very uneasy and wanted to pay in full what I owed. Lost my money after the denial. Forced me to accrue more missed payments and late fees til they found it. I made complaints to the CFPB, in which Chase investigated themselves and found themselves not at fault. Ruined my credit, forced us further into poverty, which then forced us to sell the home when we weren't ready causing us to lose out on around {$30000.00} if we had waited. ) Then suddenly, they are altering when our payments were made and when they were late. Why is this happening? Please investigate. And I do not want to be contacted by Chase.
Product: Debt collection

Santander shall provide additional Consumer relief as follows : ( 1 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for all Consumers who had a loss forecasting score of 401 or less and, as of XX/XX/2019, have Defaulted but have not had their vehicle repossessed and ( 2 ) Santander shall not Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11. 
-1 Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph
Product: Debt collection

The transactions that have been detected don't pertain to any transactions that I, the consumer, have made. According to FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated and I the consumer have not received a debt validation letter for the accounts below. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Please send me a copy of my credit report when the above collections are deleted and has been removed. I look forward to your response.
Product: Credit card or prepaid card

I am writing concerning my experience with Capital one that is both a grateful Thank You and a pressing request concerning a tradeline in my credit files that I would like to have revised. 
I have had my Capital One Mastercard for almost a year now and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XX/XX/XXXX, I was 30 days late on my payment. I was on XXXX XXXX XXXX from my job for 6 weeks in which I received 60 % of my salary which led to this 1-time lateness. I am the  sole provider for our family. I did use what little savings I had to cover our living expenses but, this left us in an unfavorable position financially. Concessions had to be made and regretfully, this led to a late payment on my Capital one MasterCard account. 
The shortage of income, even though it was a short period of time was a brutal wakeup call for me concerning financial responsibility. Since that incident, I have learned the the essential organizational and financial management skills I desperately needed at that point and my payment history since XX/XX/XXXX reflects that. I wish to thank you for your renewed confidence in me for giving me a second chance at a positive relationship with Capital One, one that I am determined to keep untarnished.

My wife and I are about to begin the process of purchasing a new home, and it has come to my attention that the late notation from Capital One may prevent me from taking full advantage of the best interest rates available. Since that notation does not reflect my status with Capital One, I am requesting that you please give me a second chance at a positive credit rating by revising that 1-time late payment from XX/XX/2017. I simply hope that there is redemption at Capital One, and I plead for such consideration. 
I have called Capital One explaining my situation about 2 months and the service agent told me that if set up AutoPay and dispute it with all 3 credit Bureaus that they would not answer the dispute thus having the credit bureau change that 1-time lateness to a positive. I have tried that and nothing happen. So now I am reaching out to you with this letter. 
If any additional documentation would assist in reaching a positive income, please feel free to contact me. 
I thank you again for the time you have spent reading this correspondence. 
Very Hopefully yours,
Product: Mortgage

Ditech Financial LLC was the mortgage servicer on my FHA mortgage loan and I refinance  XXXX   XXXX ,    2017  ; funding  XXXX   XXXX ,  2017 . The company issued a payoff thru  XXXX   XXXX ,  2017  which included 30 days interest ; {$800.00}. However,  Ditech  has not refunded th e 21 re maining days interest due me and FHA document no.  XXXX  states the mortgagee can not charge interest beyond the payoff date.     I 've spoken to several customer service representative and management by phone and was finally told the investor requires 30 days interest. There is no prepayment penalty and I 'm entitle to the refund. There, I would appreciate assistance obtaining the balance due {$560.00}  ( 21 days ) interest  as soon as possible. I received the escrow balance due but not interest refund.     Thank you
Product: Checking or savings account

I have attempted to contact Chase bank multiple times to close my checking account. Wait times are hours on the phone and I can not go into a branch due to COVID 19. They have NO OPTIONS for connecting with them in a timely manner.
Product: Debt collection

I previously filed a complaint with the FTC on XX/XX/2019 about this phone number. My complaint reference number is XXXX. I have received 2 more voice mails from this number since that date on approximately XX/XX/XXXX, and Again today, XX/XX/XXXX at approximately XXXX. 

Company has left a total of 3 voice mails on my phone. Although I know the individual this company is attempting to reach because we are a couple for over 30-years, I am not him. 

The message says that it is a personal message for the person the company is attempting to reach followed by an disclaimer stating if I am not that person I need to disconnect. Unfortunately, since the call rolls to voicemail, it does not disconnect. When I played the message for this individual, it indicated that by continuing to listen to the message that this was confirmation that I am him. Furthermore, it indicated it was an attempt to collect a debt and he must contact the company immediately. 

This individual and I are domestic partners and have a home and children together. As a result of the call, we went through our correspondence and conducted credit checks to see if either of us had any outstanding bills or blemishes on our credit. Neither of us did. All of our bills, including medical, are paid in full. In addition, no bills have been sent to our home, to either myself or him indicating a past due balance. Thus, I suspect this is either a scam or an error. However, because no correspondence has ever been sent to our home regarding past-due balances for anything, we will not be contacting this number. 

When I researched the phone number, I saw several comments about people receiving robocalls from this same number. All had similar issues. Some indicated when they called the number, the person answering started demanding all sorts of personal information, which is suspect. 

Furthermore, if any unpaid medical bills are due for either of us or our children, we would both expect to receive an invoice or correspondence from the entity that is owed the money indicating the date of service, the amount due, any adjustments or payments made, etc ... Not a phone call that relays suspect information and sounds like a scam.
Product: Credit reporting or other personal consumer reports

XXXX has failed to respond to all request!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  has been re-inserted into my credit file. By law they are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. at my 6th Amendment unalienable right, I respectfully demand Deletion of this item immediately or I will be forced to take legal action!

In addition to the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code ( IRC ) Section 6050P, it's crucial to explore other relevant codes and regulations that may impact your case. Of particular importance are provisions that address the rights and protections afforded to service members and the potential consequences of the unlawful reinsertion of a previously deleted credit file. Here are key regulations to consider : Servicemembers Civil Relief Act ( SCRA ) : If you are a servicemember, the SCRA plays a significant role in safeguarding your rights, especially concerning interest rates, debt collections, and credit reporting. It is essential to evaluate any potential violations related to your status as a service member. 

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : UDAAP prohibits unfair, deceptive, or abusive practices in the financial industry. In the context of your case, it becomes relevant if there are concerns about the financial institution 's conduct, especially regarding the reinsertion of a previously deleted credit file. 

Gramm-Leach-Bliley Act ( GLBA ) : Sections 501 and 502 of the GLBA are crucial for addressing privacy concerns related to consumer financial information. It establishes rules for privacy policies, nonpublic personal information protection, and consumer opt-out rights. This becomes pertinent if the reinsertion involves mishandling or improper disclosure of your financial data. 

Regulation P : Privacy of Consumer Financial Information : Regulation P implements GLBA 's privacy provisions and focuses on safeguarding consumer financial information. It includes requirements for privacy notices, opt-out mechanisms, and restrictions on information-sharing, ensuring the protection of your sensitive data. 

Regulation B : Equal Credit Opportunity : Regulation B, implementing the Equal Credit Opportunity Act ( ECOA ), prohibits discriminatory credit practices. It ensures fair and equal treatment of credit applicants, making it essential to assess any potential violations concerning your credit reporting. 

These regulations collectively contribute to shaping the legal landscape surrounding credit reporting and financial privacy, offering avenues for addressing any infringements and seeking a fair resolution. If you have specific concerns related to these regulations, consulting with legal professionals well-versed in consumer protection laws can provide valuable insights and guidance.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The subject property of my mortgage was affected by XXXX XXXX last year. As a result of my having to hire lawyers to fight my flood insurance carrier to make them pay what was due to me, they cancelled my policy. I filed a complaint with the State of FL, and by the time they got around to working with the claim ( and finding they were not doing anything to fix it ), I had no choice but to apply for a new policy. The new company 's policy is to start new insurance a month after the lapse of the old, so there is a gap in my flood coverage. However, we are now past that gap, with no claims activity or issues, so I have flood insurance in place meeting the mortgage company 's requirements. Flood insurance did not pay me more than the premiums I paid for it after this Category XXXX hurricane and XXXX XXXX storm surge, which probably won't happen again in my lifetime, so requiring flood insurance is abusive by my mortgage company in the first place, but now, since there was a gap that affects them not one bit since we're past the date that would have been a problem, they're trying to extort an abusive amount of money from me to cover the month that has already passed!
Product: Credit reporting or other personal consumer reports

I, XXXX, XXXX XXXX, federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Under the Fair Credit Reporting Act the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( a ) credit or insurance to be used primarily for personal, family, or household purposes ; ( b ) employment purposes ; ( c ) any other purpose authorized under section 604 [ 1681 The law states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ). I've repeatedly stated the reasonable procedures that congress has set forth for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer and the consumer reporting agencies, TransUnion has had no regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. TransUnion has never provided their method and/or proof of verification that gives them the authority to report inaccurate, non-public, personal information on my consumer report. Which is documented via the CFPB with their responses that has not addressed the issue of their willful non-compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report. 



Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Opt Out Confirmation ( XXXX ) Passport Card ( Identification ) Power of Attorney/ CAF Notice/ Fee Schedule