23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The bank in XXXX I had gotten a call from XXXX  XXXX XXXX about my mortgage. They said I was XXXX dollars behind I told them this was not possible. I then took my papers and receipts to the bank. I had everything paid to date I ask what the problem was and the woman who was helping me was on the phone with a man and she told him I was up to date with my paperwork and receipts. The man told her on the phone to tell me to leave the bank. There was nothing they can do so they kicked me out of the bank. So I left the bank and tried to find a lawyer I went to 12 different lawyers and no one would touch the case. So I started a battle with the XXXX  XXXX XXXX to plea my case. So out of no where I get a call from a man that claimed he could fix my mortgage account. So I trusted this guy and gave him some info so he told me he would call me back so i did wait and in two weeks still no call. So I make a police report with XXXX XXXX Sheriffs Office. A month later I get a letter from the FBI saying they arrested a man on five different accounts of fraud. So for years I don't hear anything. So three years ago I get a call stating that there going to prosecute a man on fraudulent activity and since then there have been two more arrests. In the meantime we are trying to sell the house. The mortgage company is coming up with all these different numbers on what we owe. There are modifications that I did not do, late fees and they are adding up. We have dished out thousands of dollars to fix the problem and the numbers never go down. They are always the same. I had to take money out of my annuity 2 or 3 times and taking out small loans also but nothing has changed as far as the amount of money owed to them for the mortgage. It has caused a financial distress and it still on going.
Product: Credit card or prepaid card

On XXXX XXXX I closed my Chase Amazon charge because of personal reasons. I requested a letter or email from Chase stating my account was paid in full and I left in good standing. The reason for this is in case one of the credit reporting companies gives me a negative score from closing the account. Also in case Chase sends a report that is incorrect. I asked the Chase rep with whom I immediately explained why i requested such letter. Also that Ive had issues with credit reporting companies before. She told me NO. Before I could ask further she hung up. If a customer leaves a credit card company in good standing why cant the company issue a letter 3 weeks later after the account is proofed out and there is nothing negative at the customer 's request otherwise nothing. A customer should have the right to know what companies write about them and not months later when applying for a loan and something stupid shows up and the person is blind sided.
Product: Credit reporting or other personal consumer reports

I made a purchase through XXXX XXXX for XXXX XXXX reservations. I cancelled reservations w/ the hotel XX/XX/XXXX for travel dates XX/XX/XXXX. The hotel had a XXXX hr cancellation rule. I had XXXX reservations XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX that relates to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The hotel employee XXXX said I was getting refunded and needed to wait " XXXX business days '' .Then I called back after that time period and XXXX said they XXXX not refund the credit card because it would not accept pesos & the hotel XXXX, XXXX, wanted my private banking info.I called to resolve this on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX multiple times with the merchant and XXXX I cancelled according to my consumer obligations.XXXX  should not offer their service to merchants who cant fulfill their financial obligations & abide by their own rules and called my bank and the were willing to help me do a wire transfer with the hotel on XX/XX/XXXX because I felt pressure to do business outside of XXXX and directly with the hotel to get refunded. I called XXXX on XX/XX/XXXX to give him my bank info, he said they " already sent it to the states and that it went to XXXX bank, who would then pay the XXXX XXXX  ''. This should have been the same bank the original payment method was associated XXXX XXXX XXXX XXXX XXXX as they are in partnership with XXXX  But it did not. There were XXXX wire transfers to XXXX separate banks NOT associated with XXXX, the wire transfer went to XXXX XXXX  XXXX. I have NOT got my money back. XXXX confirms there is NO refund by the merchant. As the original method of purchase was with a XXXX credit card in my name, ending in XXXX XXXX and XXXX XXXXXXXX I am declaring fraud on the part of the XXXX that XXXX has affiliated themselves with. I have consumer protections wXXXX  the use of a credit card a VISA XXXX XXXXXXXX and VISA XXXX  XXXX that was used to make the purchase of the reservations and am seeking a full refund based upon services not received/rendered. I have in good faith tried to resolve the issue with the merchant and the lender. I have consumer protection rights and have fulfilled my obligation as a consumer. I also tried to call XXXX XXXX  in XXXX, XXXX  but they say they only provide the funds and can not help. XXXX says that if I do not pay the remaining {$900.00} in the load that my credit will be negatively affected. I am worried I will never get my money back, will have to pay for a service I never received, and will also have my credit negatively affected.
Product: Student loan

Loan service company MOHELA sent an email regarding my XX/XX/XXXX billing statement on XX/XX/XXXX.
Product: Debt collection

Section 615 ( g ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m ( g ), requires debt collectors to notify third parties that a debt may be fraudulent or may be the result of identity theft. This notification requirement does not apply when the person collecting the debt is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information that would otherwise be required under other provisions of law applicable to them if the consumer wished to dispute such debt.
Product: Debt collection

This is sent in response to an item listed on my credit report amounting in {$1600.00}. I am requesting that IQ Data International Inc. provide verification of this debt.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 1 U.S.C. 1692g, I am requesting that IQ Data International Inc. provide me with the following information to validate this debt.

1. The name and address of the original creditor, the account number, and the amount owed.

2. A copy of the original contract agreement.

3. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

4. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, payments made since the last billing statement, and the legal authorization for this interest, the date the original creditor claims this debt became delinquent.

5. Please also note whether this debt is within the statue of limitations and how that was determined.

Please also cease and desist phone calls to my number, please only communicate with me in writing.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXXXXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX in XX/XX/2018 in the amount of {$1000.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX is not licensed in the state of Texas to collect on this debt. Secondly, XXXX XXXX XXXX violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to XXXX XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so exhausted sending letters to Equifax about this issue.. I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please step up and delete Bankruptcy : Discharged CH-XXXX XXXX, XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect items was found in my reports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified items without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I ask the credit bureaus to do a verification on my credit report. Upon them doing that I received an update that it was completed. After, I went and completed a thrall research myself. However, I found improper inaccuracy on my credit report after they did a thrall research. These items which has not been corrected upon my credit reporting XXXX XXXX XXXX XXXX For the amount of {$8800.00} XXXX XXXX XXXX XXXX For me the amount of XXXX XXXX XXXX XXXX For the amount of XXXX XXXX XXXX XXXX XXXX For the amount of {$330.00} XXXX XXXX XXXX XXXX For the amount of {$1000.00} XXXX XXXX XXXX  For the amount of {$1000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 card or prepaid card

Chase Credit Card Services is reporting a XXXX days late and a XXXX days late in XXXX and XX/XX/XXXX after I paid the account in full in XXXX of XXXX. 

At the time of payment I contacted Chase and was told what the balance was and paid it in full ( please see the attached letter ) and there would be no other charges. Chase then proceeded to apply interest on the previous paid balance but did not send a statement or an alert. 

Because they had closed and ended our banking relationship in XXXX of XXXX I had no idea there was an outstanding balance until I logged back into my online portal in XX/XX/XXXX to get statements for tax purposes. I paid the balance immediately asked the rep had my credit been compromised and was then misled by the rep and told no. 

This is completely unfair. Chase has proceeded to stonewall me, not answer my questions in the dispute and continue to report false information. 

please help me. see the attached letters
Product: Student loan

I paid Ameritech both upfront and monthly charges to assist in servicing my educational loans. The monthly fee of {$99.00} was for " educational services '' which I never used and was under the impression that I was required to pay.. Upon learning of the FTC 's suit against Ameritech ( FTC Matter/File Number:XXXX XXXX, Civil Action Number : XXXX ) I cancelled my account and requested refund of the $ XXXX/month fee which began in XXXX of XXXX and continued until XXXX of XXXX. Ameritech denied my request and noted that Ameritech had counter-sued the FTC. I believe that this money should be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 56 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.
Product: Mortgage

I had a mortgage with a loan company which ended in late payments. The house was sold on a short sale in XX/XX/2016. 
Since, I have a car on which I pay {$570.00} a month. I have a credit card with almost {$5000.00} credit. 
I have not being late on my bills.
Product: Credit reporting or other personal consumer reports

Sent to : XXXX CEO XXXX and Board of Directors ' Member, XXXX XXXX XXXX, I am writing pursuant to a very distressing and egregious culmination of my XXXX XXXX experience. One would surmise that I would be ecstatic that I paid off my XXXX this past XXXX XXXX. However, what I recently discovered has caused undue distress and angst about all the due-diligence I performed to successfully pay off my vehicle. 

Briefly, I purchased in XXXX a XXXX XXXX via XXXX XXXX until it was recently paid off in XX/XX/XXXX. I am writing to seek immediate resolution as I am stopping short of seeking legal remedies and accusing XXXX of abhorrent practices in your bankruptcy division. 

I had filed for a MD bankruptcy via a Maryland attorney in XXXX and my car was NOT included in the filing, by mutual agreement and my choice. I paid my XXXX XXXX XXXX monthly car payments, successfully completing the final payment in XX/XX/XXXX. Once paid off, I received XXXX email and written final confirmation correspondence which allowed me to obtain the Maryland XXXX XXXX release. No problem, right? WRONG! Last week, I accessed my credit reports only to discover it is listed on my reports as potentially negative!! Within the last 2 weeks, I even filed a complaint via CFPB, whose investigation received the same false reporting information from XXXX, all of which is egregiously false. 

Personally, I am a single, XXXXXXXX XXXX, still working, now left with a credit report showing absolutely false information. The most abhorrent thing is one CAN NOT get a XXXX XXXX Bankruptcy Dept. assistance or customer service to address this matter. Everything is outsourced and is very stressful when trying to get someone to address this post-payoff matter! 

I am requesting mediation and resolution to this matter. Every day this inaccurate information exists on my credit is detrimental to my finances and these inaccuracies can destroy my future purchases. 

As of XXXX XXXX, XXXX, Experian, XXXX, and XXXX are reporting : Accounts Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors. 

XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX  Account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found 3 wrong transactions under my name and addresses in my credit report with this company XXXX XXXX  I got recently legalized as Permanent Resident in the United States on XX/XX/XXXX. I have all the proves to show. I just received my SSN as well on XX/XX/XXXX I came to the United States on XX/XX/XXXX with a XXXX XXXX   XXXX. I wrote a letter to the company saying these things : * I am not the person that they are looking for. 
* I didn't check my credit score before because I didn't have a valid SSN and I wasn't able to apply for any credit before. 
* I recently open 2 credit cards account with XXXX XXXX. Both of them are in great shape. 
and paid on time. 
* My information shows on the dark web. ( i saw it for the first time on my XXXX XXXX XXXX at the same time that all these things showed up as well on my report ) * I opened my XXXX XXXX XXXX  App from XXXX XXXX on XX/XX/XXXX on XX/XX/XXXX my credit score was XXXX then I checked again and now is XXXX. 
* I was looking into my app and its show 3 transactions under my name with the wrong addresses and years that don't match. these are the accounts : *1 ) XXXX XXXX XXXX {$1000.00} on debt Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type Not Reported Responsibility Individual Age Of Account 3 Years, 1 Month Credit Limit Not Reported Highest Balance {$1000.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX *2 ) XXXX XXXX XXXX  {$1100.00} on debt ( account closed ) Bureau Name XXXX XXXX XXXX  Account Type Credit Card Responsibility Individual Credit Limit {$500.00} Credit Used 229 % Highest Balance {$1200.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$1100.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX *3 ) XXXX XXXX XXXX XXXX NY ( wrong address ) Total Debt {$2200.00} Accounts With a Negative Pay Status LENDERTYPEBALANCE XXXX XXXX XXXX COLLECTION/CHARGEOFFOther {$1000.00} XXXX XXXX XXXX COLLECTION/CHARGEOFFCredit Cards {$1100.00} I sent a letter and copies of all the pieces of evidence that I didn't live in all those places. I even put my ex-landlords phone number so they can reach them and talk to them. 
I sent copies of all the letters when I got legalized and copies of all my IDs with the dates on it. 
I can resend all the copies that I sent to this company to you. 
How can I have transactions before getting my valid SSN?

My personal information was stolen on the web.

and now my credit score is in a pretty bad shape XXXX  P.D. I can resend the letter that I sent to this company to you also the copies of everything.
Product: Credit card or prepaid card

Bank of America are reporting my information to the credit bureaus with a wrong name. 
My Name is Mr XXXX as federal documents can proof. 
Bank of America are reporting as a XXXX XXXX, my accounts with them was always Mr XXXX
Product: Credit reporting or other personal consumer reports

This i my second attempt for these CRA 's to do as they are required to by federal lawand for the protections and privacy act of 1974. As a consumer, I am protected and I also have a right to opt out of reporting, i was never given proper disclosure and they never had my consent to furnish any of my information and that is a violation. Each reporting is a charge of XXXX and theres several and there's been XXXX XXXX. I also am promised that my consumer reports will be accurate at all times. I just need to notify you all. I have done that and nothing. I am not being treated faily and these persons act like thgey have the authority and the right to act on my behalf ... NOPE. I never consented to any inaccurate and negative and stressful reporting experience. 

If there is a collection, charge off, or written off and still on the reports by these agencies, they are violating the law and they are to pay me XXXX for each error. 
They are also a certificate of indebtedness and they are to have filed a 1099c, which they can not prove they did and they still report these damaginbg and harmful marks on the reports that i have a right to credit and what goes and not goes on my files. I have several late payments that are also inaccurate and are not correct. I have never been late or missed any payment. I need all these mqrks to be updated and to remain on the report for the history that i need for all the accounts that it applies. I did not consent to any of these agencies reporting inacccurate and furnishing false an unauthorized transactions. I need all accounts to show PAD in FULL/ PAID AS AGREED/ CURRENT Omit all the Bqlance due and balance owed and credit limit. i should have unlimited. Stop damaging me. I did not consent to anything that causes me pain and stress and damages me and my character. I am the consumer and written consent authorizing each and every single reporting on my files and consumer reports. 
i need these Consumer reporting agencies to update and correct these accounts without delay. I also demand that they send me proof of all the proof and concrete evidencec in the mail to me for evidence. They will not be able to because they violated me and damaged me. They must correct and update my reports and send me a copy with all the changes that they corrected because it is their fault and they need to pay for the abuse.