23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A raiz del huracan maria comenzamos a tener inconvenientes con los pagos, Recibimos una llamada la cual nos ofrecen un programa de nombre Feddie MAC Disaster program, aceptamos los acuerdos, al tiempo estabamos consientes de los atrasos siempre nos mantuvimos haciendo pagos y en comunicacion con citimortgage, Me asignan una consultora de nombre Kristal Madero para ayudarnos con la cuenta asesoria de como poner nuestra cuenta cuenta al corrriente. En el transcurso del tiempo me asignan otra consultora de nombre Diana Orozco esta nos ofrece la posibilidad de hacer una modificacion la cual aceptamos, pero cuando llegan los documentos por correo y leimos bien de que consistia esta modificacion la declinamos era algo que iba en contra de todo lo que hemos pagado durante todos estos anos, Luego de eso la senora diana nos ofrece una extesion de pago donde de los 5 meses de atraso le pagariamos 3 y los 2 restantes irian al final del prestamo, ella me indica que me va a enviar los documentos por fax los recibi el dia 17 de Septiembre los firme y los devolvi por fax tengo prueba de confirmacion, mantengo comunicacion llame el 24 de septiempre 2018 para ver si recibieron los documentos y una persona del servicio al cliente me atendio de nombre Karina esta persona fue grosera e el telefono no podia darme ninguna explicacion de como iba mi caso y tambien me indica que no a recibido nada de mis documentos se los envie de nuevo esa tarde. Le pedi hablar con un supervisor y de manera sinica me dijo que la unica persona que me podia ayudar solo hablaba ingles, escuche como se reia en el telefono y me mantuvo en espera sobre una hora y munutos, Me indico que la senora Diana orozco no podia atenderme hasta Octubre 2 2018, Desde el 17 de septiembre hasta octubre 2 eran ya mas dias contando y ellos no me daban respuestas envie los 3 pagos como me indicaron. Hoy 8 de Octubre les digo como va mi situacion ellos me asignaron otro consultor lo cual me indica como cliente la falta de orientacion y ineptitud de esta compania, La persona que tiene mi caso se llama e;l Sr Matthew Seitz con numero de telefono 1-877-245-2511 ext 0475289 hoy 8 de octubre 2018 hable con el a las 12:30 y me indico que mi extension fue negada no tan solo eso ocurre en mi cuenta cuando hago pagos no los anaden a la cuenta pienso que algun tipo de fraude estan incuriendo tengo estados de cuenta que asi lo confirman necesito ayuda. Gracias
Product: Debt collection

Transworld systems keeps contacting us despite a debt of {$610.00} not being owed by us and being taken care of. They keep calling and sending letters and keep telling us they'll take us off their list but they never do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reporting someone requesting my credit repor to use it for fraudulent activities I also have a police report for the same person using my name and social security number to order my bank debit card for their personal well being I have also file a claim with the bank that the card was order and stolen from. I am filling this report because I want to dispute some things that is on my credit report that I don't recognize. My name is XXXX XXXX XXXX XXXX go by XXXX XXXX XXXX Please contact me at XXXX XXXX XXXX or XXXX. thank you for your help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX GLOBAL LENDING bank had inaccurately reportes as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681 eb because it is not accurately reporting Ans demand this late payment be updated to paid as agreed
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and noticed an inquiry that I did not authorize. I have no association with the listed creditor and did not apply for any credit or services from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or unauthorized. The following personal information needs to be corrected : Previous address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Also known as : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX In addition, I did not consent to the following unauthorized inquiries : XXXX XXXX : Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX Please remove these inquiries from my credit report. 

Furthermore, I have no late payments on the following accounts and request that the inaccurate information be removed : XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX, Account Number : XXXXXXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX and XXXX XXXX XXXXXXXX, Account Number : XXXX and XXXX XXXX, Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These accounts were involved in litigation with inaccurate high balances, inaccurate dates of last activity, reaged accounts, reinsertion without proper notice, undated late pays, charge-offs listed as open, and collection accounts with limits. Your improper practices have damaged my credit report and I request that you remove all these items from it. 

I appreciate your immediate attention to these matters. Please contact me with any questions or concerns. 

Sincerely, XXXX XXXX
Product: Debt collection

This account is wrong amount because i paid this account for this company ( 1ST FRANKLIN FINANCIAL ) i do not know this amount of debit this is mistake.
Product: Bank account or service

I am the power of attorney on a Bank of America checking account ( XXXX ) at the XXXX XXXX XXXX MD, bank center, which receives monthly deposits from Social Security. The owner of the account has a XXXX and qualifies for XXXX. He uses this money to pay for his food and transportation. For many, many years, the owner walked into the bank several times a week and took small cash withdrawals. He is well known to the bank staff since his XXXX is open and obvious. Suddenly, three months ago, the Bank refused to allow him to make any withdrawal without presenting a photo ID. He does not have a photo ID. His social worker tells me that he can not get a photo ID from XXXX XXXX without a birth certificate. At the same time, he can not get a birth certificate from vital records of the state where he was born without a photo ID. This Bank also refuses to give him a debit card unless he presents a photo ID. This shameful Bank should be penalized for withholding the owner 's cash under these circumstances. In addition, the Bank should waive the photo ID requires for this owner so that he can receive the cash needed to pay for his food. How many other XXXX persons are suffering from Bank of America 's failure to reasonably accommodate them.
Product: Debt collection

This debt is dated for XX/XX/XXXX ( was at work ) or XX/XX/XXXX ( moved back to NJ in XX/XX/XXXX ) for XXXX. I never received a notice on this debt, the debt is on my credited report. I called the collection agency I told them that this debt does not belong to me and to remove their name from all XXXX credited bureau, because it 's affecting my credit score. I was told they could not do that the debt is in my name and I had to pay.
Product: Debt collection

I received a missed call, called the number back and the person that answered ( XXXX XXXX  ) did not verify me correctly, did not state the mini-Miranda before disclosing the information..after I asked him not to call my cell phone anymore he stated its ok, well just report this on your credit next week to which I replied that was fine and ended the call. I then called back several times, on one occasion the same collector answered the phone and hung up on me when I asked for his supervisor..all other calls were also hang ups with nothing said. I called again and spoke to a supervisor and explained to him what happened, he then placed my call through to XXXX XXXX who said he would pull the call and listen to it. I called back and spoke to Mr. XXXX and he said he had listened to the call and the collect was written up.
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 confidentially under USC 1681. 

Acct XXXX XXXXXXXX # XXXX, Acct XXXXXXXX XXXX # XXXX, Acct XXXX XXXX # XXXX, Acct US DEPT ED # XXXX, Acct XXXX XXXX XXXX # XXXX, Acct XXXX XXXX XXXX # XXXX, 15U.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. 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

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Mortgage

My loan was recently sold by Sierra Pacific to XXXX. The effective date for the sale of the loan was XX/XX/2020. I was advised by Sierra Pacific that I needed to make payments to them through XXXX and then start paying XXXX. However, Sierra Pacific has not sent these payments to XXXX. XXXX is threatening to foreclose on my home now. I've tried contacting Sierra Pacific regarding this, and they now claim they did not sell the loan. However, they had already sent my escrow balance through XXXX to XXXX. I've tried to come to a resolution through Sierra Pacific and they refuse to help. I can't get a resolution in place and have tried speaking to them numerous times. I have call dates and times to validate this. I have documentation proving i sent payments to Sierra Pacific as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that the following inaccurate items be immediately investigated. They must be removed to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within thirty days. 
ALL MY PERSONAL INFORMATION WAS COMPROMISED AND THESE INFORMATION INCLUDE PHONE NUMBERS ADDRESSES PUBLIC RECORDS AND ARE UNDER DISPUTE WITH CREDIT BUREUS XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX THE REST OF THE INFORMATION IS ON FTC REPORT THAT I ATTACHED
Product: Checking or savings account

XX/XX/XXXX deposited {$6000.00} check via the online mobile banking app. Received a secure message from chase stating my funds would be available on XX/XX/22. Checked the status online on XX/XX/22 and my account was closed. I could still see the message that my funds would be available on XX/XX/22. I called the customer service line and was told that because my account was closed they would send me a check in the amount that was deposited to my address. XX/XX/22 called to check status of the check to see if I had been sent to my address yet. The representative then told me that a check would not be sent to my address and if I had the original check I deposited I could go to a different bank and cash it in there. I went to XXXX  XXXX XXXX which is who I also bank with. XXXX  XXXX XXXX deposited the check at the branch and told me the funds would be available on XX/XX/22. On XX/XX/22 XXXX  XXXX XXXX stated that they could not deposit the funds into my account because it was a duplicate. I called chase to notify them of this and to see if where my funds were. They told me to contact the issuing company- the state of New Mexico XXXX board. I contacted them and they stated that the check cleared and was paid on their end on XX/XX/22. XXXX XXXX sent me an email with the receipt proving that it was paid out and cleared on their end to XXXX account. I called chase back to inform them of this and they continue to tell me that the check had been rejected and to contact the NM XXXX  board because they should have my funds. I have contacted them on multiple occasions and even have proof that they paid out in the amount of {$6000.00}. I have yet to receive my funds from chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

equifax is full of drap saying all my inquirys are legimate first off XXXX  is fraudulent i never applied for credit with them and dont have card from them so should be deleted and XXXX i have only 2 cards with them so 2 are good and 2 are false andshould be deleted XXXX is god and can remain
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote TransUnion a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a XXXX XXXXXXXX with very XXXX XXXX and i am able to write my letters of dispute without need for a third party. 
TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist. 

COMPANY : XXXX XXXX  INQUIRY DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized accounts on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report.
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX. Email : XXXX Please release my money it has been over 3 months and all disputes have been resolved. Please also restore my business account since I only sell my own XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX 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: Credit card or prepaid card

Dear Sir or Madam : I am writing on behalf of XXXX XXXX XXXX in regards to the four ( 4 ) airfare tickets he purchased using his American Express card in XX/XX/XXXX. The airfare was to travel to XXXX, XXXX, departing the US on XX/XX/XXXX. Upon purchase XXXX XXXX understood that if there were restrictions in XXXX due to COVID he would receive a full refund less cancellation fees. XXXX XXXX also understood that if flights changed significantly he would receive a full refund. 

Both events occurred. 
At the last minutes, the time of departure was changed by almost 12 hours. This created a conflict due to a previously scheduled doctors appointment. XXXX also announced a strict 14 day quarantine for any arrivals. XXXX XXXX contacted XXXX XXXX and initially had difficulty receiving the refund. He then disputed the charges with his credit card company, American Express. After trying to work with XXXX XXXX he finally received communication from them stating that he would receive a refund if they release the credit card dispute. He did so on XX/XX/XXXX yet American Express has not refunded any of the travel expenses. 
An email from XXXX on XX/XX/XXXX informing XXXX XXXX that they can not process the refund until he provides confirmation from the credit card company that he has withdrawn the disputed charges. It specifically says Once we receive the withdrawal letter is when we can take further action to process the refund. XXXX XXXX removed the dispute, but for almost 2 months XXXX XXXX refused to issue said refunds and also sent the charge back to American Express to be billed. At this point, American Express refused to help any further, even though we told them that XXXX XXXX refused to help us. We think it is unethical of American Express to provide us no protection at all in the time of COVID, and we solemnly request a full refund of {$3300.00} from AMEX back to XXXX XXXX instead of sheltering the unethical company XXXX. Please help us to recover our funds from AMEX. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX
Product: Mortgage

I submitted my answer in XXXX went to court in XXXX. The Judge removed it from XXXX XXXX because I am in an active bankruptcy. Well Fargo 's Law Firm : XXXX XXXX XXXX XXXX XXXX in XXXX. IL sent a request to my bankruptcy  attorney to lift the Stay and it was granted. Now, I have a sale date XX/XX/2018 with no regard to XXXX XXXX 's removal from XX/XX/XXXX. XXXX XXXX, Thank you, XXXX XXXX XXXX XXXX XXXX