23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX a debt validation letter was sent to the company to validate a debt with the company, with proper paperwork or signature, which the company failed to provide. what docs did the company provide to the credit bureaus to validate the debt.
Product: Consumer Loan

The company calls me non stop back to back and when I do talk to them they threaten to have warrants put agianst me and they threaten to have the police come to my house to arrest me
Product: Credit reporting or other personal consumer reports

Immediate action is required under FCRA 605B to remove any false accounts from my credit report. Please review the documents without delay ; there are inaccuracies in the reported amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries on my account that I asked to be removed because they are unverified and unauthorized. I have contact equifax about XXXX XXXX XXXX  on XXXX, XXXX  XXXX XXXX on XXXX, XXXX XXXX XXXX on XXXX, and XXXX on XXXX. Ive also contacted XXXX  about XXXX XXXX on XXXX and XXXX  XXXX XXXX on XXXX. If these are not removed then its against the FCRA. These accounts are not attached to any open accounts so they are unauthorized and need to be removed. You consequences for these false reports results in a {$1000.00}.
Product: Debt collection

sent debt validation letter multiple times XX/XX/2019 XX/XX/XXXX XX/XX/2019 final letter sent XX/XX/2019
Product: Mortgage

On XX/XX/XXXX PHH mortgage issued an escrow account analysis which indicated that the escrow account for my mortgage had a surplus, as defined under 12 CFR 1024.17. The escrow account analysis also indicated that payment of the surplus would be refunded directly to me rather than credited against future escrow payments. The escrow account analysis stated that a check for the amount of the escrow surplus would be mailed within 20 business days. As of today, XX/XX/XXXX, I have not received a refund of the escrow surplus. On XX/XX/XXXX I spoke with a customer service representative of PHH mortgage and informed them that I had not received the escrow surplus refund. The gentlemen I spoke with immediately informed me, without appearing to conduct any investigation into my specific situation, that a check would be issued and mailed to me that week.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received my Tax Advance Loan from Credit Karma money for {$3000.00}. After taking XXXX hours to access funds because the process to update a phone number requires a birth certificate and photo id. I was truly excited to spend some time with my kids and pay some debt off. I attempted to add {$1000.00} to my XXXX XXXX account because I lost my Credit Karma card and this is how i used the funds last year. 

Unfortunately when I added {$500.00} it triggered a fraud alert ( not sure why if the limit for my account is {$25000.00} per week to add funds - SCREENSHOT ATTACHED ). So I decided to send it to my daughter XXXX XXXX XXXX to send it back to me. I sent XXXX XXXX {$500.00} transactions. I told her to keep {$200.00} and I added {$200.00}. I made sure the card was locked and put my phone on the charger. While I was getting dressed my daughter received at least XXXX alerts that I was disputing transactions on her XXXX XXXX totaling {$520.00} and the {$200.00} she kept in her XXXX XXXX  was gone ( her card was locked as well ) ; and the remaining funds was taking out of her personal checking account through XXXX XXXX XXXX XXXX XXXX. 


I received a call from XXXX XXXX stating she received an alert I was disputing {$50.00} and another gentleman I bought perfume from outside reached out to me for a {$45.00} dispute. Everyone was extremely upset with me, not only did I not dispute any transactions the funds were deducted from there accounts immediately causing extra fees. XXXX XXXX states her XXXX XXXX account was deemed fraud now she wont talk to me anymore. THIS IS A NIGHTMARE. When I looked my phone the {$1200.00} in my account was GONE!! I am a single mother with XXXX kids facing an eviction. This could not come at a worse time. My daughters XXXX XXXX card was locked as well. Not sure what the LOCKED FUNCTION IS FOR IF THEY CAN JUST STEAL YOUR MONEY. 

I contacted XXXX XXXX  immediately via chat ( SCREENSHOT ATTACHED ) after all these transactions. The representative stated they could not see what I was talking about. Funds were never added back to my Credit Karma account. I found a number for XXXX XXXX. The first representative said they could not see anything and if the funds were declined the money would be sent back to the merchant. Called Credit Karma Money they did not have any record of what was going on either. Called XXXX XXXX  back, a gentleman advised me of a dispute on a XXXX card XXXX. That is my grandmother 's account through XXXX XXXX XXXXXXXX. They stated they took my money to resolve a dispute through XXXX XXXXXXXX XXXX. 

This unacceptable. My issue did not meet the criteria for a provisional credit. I contacted XXXXredit Karma. The representative advised to file a complaint.
Product: Debt collection

amount in dispute is {$250.00} I reserved a rental truck with XXXXXXXX XXXX XXXX at the end of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I arrived at the XXXX XXXX. There was another person that ahead of me waiting for a cashier/ person /XXXX worker to arrive to work. 
Finally someone arrived ... XXXX has NO car in the entire lot. They person before me couldnt get a car because there was not any cars there to rent. there was only XXXX XXXX which is what I reserved. AGAIN, NO OTHER CARS anywhere on their lot. It was finally my turn, I asked the XXXX worker if that was my vehicle sitting on the lot.. the black truck. She said yes. That was the only vehicle. She tried to do some slick under the table kinda deal. She wanted me to cancel my reservation and give her the money I was going to spend anyway. I refused, I told her that I wasnt comfortable and just wanted to rent the vehicle. She rang me out and I took the vehicle after walking around looking for damage. 
I paid {$350.00} online already .... so I was completely shocked as to why I would be getting a bill for XXXX. Im not sure why someone attempted to rob me of an extra XXXX but I'm not paying for something that I already paid for. Im not paying TWICE. 
I explained this to XXXX and they keep harassing me with correspondence. 
I need them to stop all communication with me and credit off the made up amount of XXXX. I do not owe them any more money and my credit card agreed. thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was removed from my credit and they added it again and refuse to remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudent - Repo and I have had it settled with the company and experian still keep reporting when all other agencies have removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint # XXXX on XX/XX/XXXX on Comenity Bank for not removing an account off of my credit report which they agreed upon by cashing the money order that was enclosed. The letter stated that upon cashing the money order, they agreed to settle the account and also remove the XXXX account off of the credit report. The money order was cashed on XX/XX/XXXX. They claim they never received the letter that accompanied the money order, but they cashed it. Their response through CFPB, the letter that I received, stated that they will not remove the account from the credit report, even though they accepted the terms and conditions by cashing the money order. They also stated in this response letter that all settlements were to be sent to a different address, XXXX XXXX XXXX which the representative did not state. The original letter dated XX/XX/XXXX, they sent me stated that after I spoke to Recovery Department, to send payment to XXXX. XXXX XXXX which I did. They violated the terms that I sent them and are trying to keep from removing the account from my credit report even thought they received the settled amount. Also, the second money order they stated they received had the correct account number on it, which was to a XXXX account. The letter for the XXXX account had the wrong account number ( the XXXX account number ) but the money order had the correct account number. That dollar amount was supposed to be credited to the XXXX account. They have violated the terms agreed upon.
Product: Consumer Loan

Issue : Breach of Written Settlement Agreement1st Investors Servicing Corp is not reporting my credit line correctly with XXXX. They corrected my credit line with XXXX and XXXX and both now show positive. However, XXXX is showing 1st Investors loan as a negative mark and the mobile app shows it was charge off. Please correct my credit line with XXXX per our written agreement from 2012.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Equifax notifying them of the reinsertion of CREDIT ACCEPTANCE CORPORAT account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ).

Despite waiting for XXXX days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Equitax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Checking or savings account

after three weeks bothe the original company and their biller have said that the money was returned, but other than 2 pmts that actually got back to my checking acct. they have sen the other 3 payments to a credit card that wasn't used in the transactions. the money was taken directly from my checking account by their biller, and never returned. i can't seem to get a straight answer from either of them. i do have an email saying the money would be put in the right acct., but nothing. they gave me transaction numbers of XXXX and XXXX the disputed amount is {$58.00}, and i can't find the money either in my checking acct. or in paypals acct.this is over three weeks and nothing. the paypal people, tag team the message people, so you have to keep repeating the same story over and over. i am a XXXX veteran and this extremely burdensome for me, that a company that said they would get my money back no problem would XXXX up so much.
Product: Mortgage

My wife and I took out a residential construction loan from US Bank with a 14 month XXXX period, which then converts to XXXX XXXX XXXX thereafter. During the XXXX period, interest is paid on the amount drawn by the builder ; total credit line is {$2.00} XXXX. When the XXXX period expired, we only had drawn roughly $ XXXX, however US bank said we now need to pay full principal and interest on {$2.00} XXXX. My wife and I have both been in the mortgage industry for 15+ years, and had never heard of a product where interest is charged on the full credit limit, regardless of how much has actually been utilized. These loan terms were never explained to us by our loan officers and we do not believe we ever signed anything ( including the note and all other closing documents ) that clearly explained this either. We conveyed this to US Bank ( however, our loan officers are no longer there ) and they gave us a free 3 month extension on the XXXX period. That is now going to expire prior to the home being built, and they are saying in order to extend the XXXX period again, we need to pay a {$5500.00} processing fee, otherwise will have to pay P & I on the full {$2.00} XXXX ; however we still have not come close to drawing that amount, and don't ever intend to use the full amount, as this was simply based on an estimated cost to build. I don't believe we should ever be charged interest on funds we haven't borrowed, and shouldn't have to pay a {$5500.00} processing fee to avoid doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I tried to put a XXXX utility bill in my name and I was told I couldn't open a account because I had a old balance from a home I never lived in my life. So recently I was interested in obtaining some credit for a business im starting so I pulled my credit report for the first time and the first thing I noticed was a couple of addresses that I never lived at before in my life also It was a job listed I never worked, then I noticed I had a couple of accounts that I didn't open also I had a lot of Inquiries. These things have really affected my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Flagship Credit Acceptance account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

problems with properly maintain my  credit score  and wrong information with bills under my name
Product: Credit reporting or other personal consumer reports

Hello, I am writing you because I dont recognize any of these inquiries on my credit report. 

I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. I would like all them to be removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Please eliminate these inquiries. I am unaware of this, and the company went ahead without my authorization.
Product: Credit reporting

A XXXX collection account placed on my credit report was removed from XXXX and XXXX after it was disputed by myself, but is still reporting on Experian. after numerous attempts to clarify and resolve this matter with Experian, I keep coming up with no answers. this is an old account that should have fallen off my report according to the FCRA compliance date instead, it has been re-aged and reconstructed to make it still reportable. On a credit report pulled by myself in XXXX, this item was due to be reported in XXXX.ON another report requested by myself in XXXX, this item was re-age to continue reporting in XXXX.and last but not least, in XXXX, XXXX when I got my credit report, it is again re-aged to continue reporting in XXXX and all of this is taking place without any correspondence from me. In other words, I have not have any communication from them neither by mail phone nor any type of communication with this company. However, after receiving my credit report earlier this month, i contacted Experian and a representative told me that I needed to take it up with XXXX because they were the ones reporting this item. when I contacted XXXX through the phone number that was listed for them, i spoke to a gentleman from the collections department. I explained the situation to him and I gave him the account and the number that have been reporting on my credit report. He could not find anything under the account number I gave him. He gave me his email address and asked me to send him a copy of the credit report with the reported account so he can take it from there. I emailed him the information that same day, and I still have not gotten any response from him. I am super frustrated and I need this item removed from my credit report. I have a copy of my XXXX and XXXX report
Product: Debt collection

I opened up account with XXXX XXXX in XXXX Arizona I told then nobody was to be on my account I closed my account in around XX/XX/2018 the my ex called had them to put his name on the account on Match XXXX. XXXX XXXX turned it in to a Collection Agency I had to pay the rest if it I paid them over 1000 dollars that was not mine
Product: Credit reporting

In XXXX of 2016, I discovered a public record of bankruptcy on my Experian report. I contacted the XXXX Bankruptcy Court via certified mail twice ( letters received and signed for by court XX/XX/XXXX16 and XX/XX/XXXX16 ) requesting verification of this account with documentation bearing my signature.Twice, the court failed to provide such proof. In addition, my Experian report never showed the item marked as disputed. 
on XX/XX/XXXX16, I sent via certified mail ( signed for by Experian on XX/XX/XXXX16 ) a request for removal of the item in light of the courts failure to provide signature proof or mark the item as disputed. Experian replied that as of XX/XX/XXXX16, the record had been verified and and would remain on my report. The record was not marked as disputed and Experian failed to provide documentation bearing my signature. An employee finding my name of a third party data mining database is not verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. Upon knowledge of the violation, I spoke with Police and obtained a report, obtained an identity theft affidavit which I had signed and notarized. I included all of the fraudulent accounts as well as my ID and mailed it to the credit bureaus. XXXX and XXXX immediately removed the accounts. However XXXX came back said that my police report wasnt sufficient. Equifax completely ignored my statements and have refused to remove items from my credit report within the 5 day period as stated on the FCRA. After calling day in and day out to resolve this conflict, a dispute center manager from another country refused to assist me with moving forward and notified me that it will take 45 days for the items to be removed. The items were mailed on XXXX I was then notified on XX/XX/24 that the disputes sat in a P.O. Box for 2 weeks before being opened. These credit bureaus are criminals who outsource vital information to people in call centers who barely speak English. Someone who doesnt have a social security number shouldnt or wont be effective in resolving conflict with the bureaus and consumers shouldnt have to deal with credit bureaus negligence. Customer service reps at all of the bureaus need to be fully knowledgeable about the FCRA and the governing laws that they must abide by. Despite me reading my disputes and going over the FCRA, the dispute manager refused to assist me with the timely removal of the inaccurate info. My investigation numbers are XXXX, XXXX and XXXX. I sent all of my documents together so it SHOULD be under one number but because they are so unorganized they extenuate the circumstances and handle resolutions very carelessly. They must be held accountable. They should also remove XXXX XXXX information as well.
Product: Mortgage

Bank of America Mortgage Dept. 
So they charge you an additional 10 days of Interest when they give you a mortgage payoff. Which in my case is {$19.00} a day till XXXX XXXX. They got my funds & closed today XXXX. SO YOU WOULD THINK I GET A REFUND FOR THOSE 10 DAYS. People need to keep on eye on their money. This is no way to do business. I think I 'm entitle to a refund.
Product: Mortgage

To Whom it May Concern, My name is XXXX XXXX, and I am writing to file a complaint regarding the treatment of my account with SPS Mortgage company. 

I was offered the repayment plan for my mortgage starting in XXXX of 2022. I called the company and asked to set up automatic payments, to ensure my payments were received on time. A representative of SPS told me that they were only able to set up automatic payments three months at a time, meaning the money would be withdrawn from my account in XXXX, XXXX, and XXXX. I agreed to this and gave my information to set up automatic payments, anticipating that my payments for those three months would be taken care of. 

In XXXX, I noticed that SPS had not withdrawn any money from my bank account. I called SPS to address this, and was told by the representative that I did not set up automatic payments, even though SPS had automatically withdrawn money from my account in XXXX and XXXX. The representative then suggested that I could set up the automatic payments again, to cover charges for XXXX, XXXX, and XXXX. I agreed to set up automatic payments again, hoping that the issue would be resolved after speaking to the representative. 

Recently, I have received concerning letters from SPS dated XXXX XXXX claiming that my repayment plan was canceled due to payment delinquency. This claim is false, as I had ensured my payments would be on time by setting up automatic payments with SPS representatives. Simultaneously, SPS has still automatically withdrawn money from my account for the month of XXXX. { XX/XX/2022 ] At this point, the lack of competence and harassment from SPS is causing an outstanding amount of stress, and I will be pursuing further action if this issue is not resolved in a timely manner. 

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

In Accordance with The Fair Credit Reporting and XXXX  Account Below Has Violated My Rights : 15 U.S.C. 1681 Section 602 A Right to Privacy : 15 U S C. 1681 section 604 a section 2 I also states a consumer reporting agency can not furnish an account without my written instructions XXXX : This account is not mine : XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX This account was paid off, should not be there : XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$3100.00} I dont recognize these Hard Inquiries, I did not authorize, fraudulent : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Equifax Remove those Fraudulent Inquiries XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX REMOVE THIS INFORMATION FROM MY CREDIT REPORT, FRAUDULENT INFORMATION. 
I DID NOT HAVE SOCIAL SECURITY WHEN THIS ACCOUNT WAS OPEN NEVER HAD XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX  XXXX XXXXXXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX