23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

COLLECTION ( HALSTED FINANCIAL ) IS CLAIMING PAYMENT ON PURCHASED ITEM THAT WAS PAID FOR OVER XXXX YEAR AGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I got an alert on my XXXX XXXX in where there was an application for credit for a XXXX CARD. This application was submitted on XX/XX/2019. I did not submit or apply for a XXXX CARD at that time. Once I realized this was a fraudulent use of my social security information I notified XXXX on XX/XX/2019. The customer service agent I spoke to stated he would notate it and that it was declined as the information from the application didnt match that what was on my credit report. I asked him to please remove the inquiry from my credit report when he stated I would have to write each credit bureau first so they could send an investigation request. I stated why couldnt he have it removed since the information was shown not to match what was on my file and that I called XXXX notifying that this inquiry was not authorized by me. I would like to have this inquiry removed immediately and each credit bureau notified this was a fraudulent application and unauthorized credit inquiry.
Product: Mortgage

XX/XX/2022 NOTICE OF ERROR FHA MORTGAGE LOAN TO : STATE HOME MORTGAGE ( Servicer of loan ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX NOTE : THE RECENT CHANGES TO THE WEBSITE, ON STATE HOME MORTGAGE 'S LOAN PAYMENT HISTORY PAGES, THAT BORROWERS USE TO CHECK THEIR LOAN INFORMATION, IS INADEQUATE AND LACKS INFORMATION, USES IMPROPER TERMINOLOGY, USES SOFTWARE BLOCKING OR ANOTHER FORM OF DETERENT WHEN TRYING TO ACCESS, COPY, PRINT, SAVE, AND/OR VIEW, ALONG WITH OTHER UNACCEPTABLE SETTINGS THAT CAUSES GREAT DIFFICULTY AND OVERWHELMING FRUSTRATION. AND, IN ADDITION TO MAKING EVERY ASPECT LISTED HERE LESS USER FRIENDLY ; THE AVAILABLE AMOUNT OF HISTORY THAT CAN BE OBTAINED IS ONLY A 5 YEAR HISTORY FROM THE DATE OF INQUIRERY, WHICH WILL NOT ALLOW A USER THE ABILITY TO GO BACK AS FAR AS A USER, BORROWER, TO ACCESS THE FARTHEST BACK DATE FROM TODAY TO THE NEXT DAY ; A MAXIMUM OF ONLY 5 YEARS BACK FROM THE DATE A BORROWER MAY ACCESS THE SYSTEM. 

STATE HOME MORTGAGE, the mortgage servicer and under THE GEORGIA DEPARTMENT OF COMMUNITY AFFAIRS, committed a violation of the 12 CFR Part 1024 - Real Estate Settlement Procedures Act ( Regulation X ), rule 1024.17 ( f ), and in conjunction with all of RESPA rules, regulations, and procedures. More specifically STATE HOME MORTGAGE incorrectly utilized regular scheduled monthly mortgage payment funds to satisfy the mandatory coverage of a Deficiency that came to exist, through no fault of the borrower, which STATE HOME MORTGAGE negligently or intentionally chose to not follow the proper procedure ( s ), by not informing the borrower, and not allowing the borrower any chance of a separate payment for refunding the deficiency payment, and by not performing an additional escrow analysis to determine whether any repayment would be required, and a breakdown of the amounts, timing, or changes to the Escrow Account 's future payment amounts : THEREBY DID VIOLATE THIS BORROW 'S RIGHTS. 
The affected mortgage payment totals need to be adjusted to correct the losses of Principal payment funds that were incorrectly taken, plus any interest and penalties that should be applied, shall be sent to me upon an agreement to be negotiated and determined fair for both parties, and within a reasonable amount of time. However, other COMPLAINTS, GRIEVANCES, ERRORS, and/or ISSUES OF IMPROPRIETIES MAY STILL BE BROUGHT FORTH. 

RESPA, FDIC DEFINITION : Deficiency is the amount of a negative balance in an escrow account. As noted in 1024.17 ( f ), if a servicer advances funds for a borrower, then the servicer must perform an escrow account analysis before seeking repayment of the deficiency.
Product: Credit card

My account was hacked way back in XXXX. I've been calling them every month and telling them this. It's the XXXX XXXX so what they did is they canceled my first card and issued me a second card and moved all the fraudulent charges under that new card and I never activated that card and I have more fraudulent charges now on the new card that I never activated. Now they sent me another a third card now and I went to that bank and close that account on that card cuz it was with the they went to XXXX XXXX  now instead Synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some unauthorized and past the statue of limitation inquiries and they are still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax BLATANTLY IGNORED MY REQUESTS that they are FRAUDULENTLY as a company reporting inaccurate information on my Credit Report. I 'VE REPEATEDLY MADE THEM AWARE THAT I AM A VICTIM OF IDENTITY THEFT because of IDENTITY THEFT from the US OFFICE OF PERSONNEL MANAGEMENT DATABASE BREACH, and sent them copies of my XXXX County Sheriff 's Office police report and my FTC Affidavit, and they have IGNORED my requests to block and remove simple information from my report for SIX STRAIGHT MONTHS!!! I 've talked with Managers, sent online disputes in addition, and spoken to managers and employees at Equifax who PROMISED TO HELP ME but live in XXXX and the XXXX and are NOT even on USA soil, and NOTHING is being done! I sent Equifax the FINAL NOTICE that they WILL be served by the XXXX COUNTY COURTS FOR NEGLIGENCE against the Fair Credit Reporting Act for things listed on my report that are NOT MINE. I have included letters being sent to the FEDERAL TRADE COMMISSION AND THE CONSUMER FINANCE PROTECTION BUREAU, AS WELL AS THE ATTORNEY GENERAL OF FLORIDA, WHICH HAVE BEEN NOTIFIED THAT EQUIFAX BLATANTLY IGNORED my requests for SIX STRAIGHT MONTHS! 

I will further remind Equifax that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for their willful noncompliance. 

THE FOLLOWING ARE NOT MY XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXMY CORRECT LEGAL ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX   XXXXMy CURRENT LEGAL EMPLOYER IS : XXXX XXXXPosition : CEO Location : XXXX XXXX , XXXX Employed since : XXXX XXXX - PRESENTTHESE ACCOUNTS ARE FRAUDULENTLY REPORTING : XXXX Acct # XXXX XXXX/XXXX/XXXX $ XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX $ XXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX/XXXX {$260000.00}? XXXX and XXXX have both removed this from my report 5 months ago!!! Failure to respond within 30 days of receipt of that certified letter will result in small claims legal action against Equifax at my local venue. I will be seeking a minimum of {$10000.00} in damages for:1.Violation of the Fair Credit Reporting Act ( including but not limited to Section 623 ( a ) ( 8 ) ) 2.Violation of the Fair Credit Billing ActEquifax will be required to appear in a court venue local to me, in order to formally defend yourself.Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. XXXX  and XXXX  have both removed this from my report 5 months ago.
Product: Mortgage

Home Equity line of credit loan was taken out by myself over 14 years plus ago as of XX/XX/2019 BMO Harris decided to do a cancellation of debit and now the IRS was me to pay taxes. Never received a 1099-C form as I havent banked with BMO Harris in over 10 years. I have since had my home foreclosed on! Have no way of obtaining 1099-C and dont think its fair that after 14 + years BMO Harris is now able to say that the are doing a Cancellation of Debit on this loan
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX # XXXX, has violated my rights.

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

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XX/XX/XXXX, a notice I was being sued was left on a table that wasn't my abode for anyone to see violating my right to privacy. The person who left the paper came at XXXX also a violation of the FDCPA. I do not agree to said amount that it claims is owed and the notice had a multitude of violations. I responded within the 30 days and still haven't heard a response back.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to submit an official complaint to the XXXX XXXX XXXX XXXX BBB ) concerning my interactions with XXXX, XXXX, and Experian. Despite numerous attempts to address inaccuracies on my credit reports, I have not witnessed any substantial progress or received confirmation that the discrepancies have been promptly rectified, as mandated by the XXXX day time frame. These inaccuracies have caused significant financial distress, and I am in dire need of a timely resolution. 

I have repeatedly initiated contact with the credit bureaus through their official dispute channels to rectify inaccuracies linked to dates, prices, credit account numbers, and account information. These errors on my credit reports have presented considerable obstacles in securing loans, housing, and vital financial services. I have attached copies of my credit reports, underscoring the discrepancies, along with the records of my prior disputes for your reference. 

The absence of a constructive response and a swift resolution to these inaccuracies has given rise to unwarranted financial hardships. I am deeply concerned about the adverse influence of these inaccuracies on my creditworthiness. I am pursuing the following actions to mitigate this situation : A comprehensive review and the immediate correction of all inaccuracies on my credit reports, in line with the legally required XXXX day period. 
A directive to XXXX, XXXX, and Experian to expeditiously update my credit reports with the revised and accurate data. 
An equitable compensation to address the financial losses I have sustained due to these inaccuracies, which include economic hardships and emotional distress. 
I firmly believe in the critical significance of dependable and XXXX XXXX XXXX to maintain financial stability. The credit bureaus have not met their duty of providing accurate credit data and have been instrumental in causing financial distress and challenges. 

I humbly request your assistance in facilitating the resolution of this issue. Please provide updates on the progress and outcome of this complaint. I stand ready to cooperate completely by providing additional information or documentation, as may be necessary, to expedite this dispute. 


Thank you for your expeditious attention to this urgent matter. I trust in the XXXX  's commitment to ensuring the practice of fair and accurate credit reporting.
Product: Checking or savings account

My Wells Fargo checking account was closed they didnt tell me the reason but I still have more then XXXX in the account, they said they will send cashier check to me but I didnt receive it yet
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to register online at Equifax and it does not recognize my XXXX mobile phone number ( XXXX ) XXXX so since i can't register online using their site to get my free annual credit report from them i called and spoke to one of their customer service representives and i was told to write them a letter and request that they register me and send me a copy of my credit report. I did that 8 weeks ago and i still haven't received a response back from then and now when i try to call them after about 30 minutes i finally get an automated message from the computer csr that due to the high call volume they are not able to complete my call and the telephone line goes dead- This is why i am filing a complaint by law they should send me a free credit report i can be reached at : XXXX or my home based telephone number is ( XXXX ) XXXX or cell mobile number ( XXXX ) XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX attending classes online through XXXX XXXX XXXX. I have received several loans to pay for my schooling. I am also employed by the XXXX XXXX XXXX, which has a program that I am enrolled in which qualifies me to have deferred payments every year. I have taken full advantage of this program which helps me out a lot. I recently checked my credit report and was surprised to see all of my loans were reporting ninety day late payments. I spoke to the customer service department back in XXXX of this year and they assured me that the late payments would all be removed. it is now XXXX and the late payments are still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently a victim of identity theft, and have numerous inquiries on my report that I do not recognize. The perpetrators also broke into my XXXX XXXX account, and my XXXX XXXX  account but my accounts were frozen before they were able to withdraw money. These are a list of the inquires and the dates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted TransUnion via certified mail regarding a public record that they are inaccurately reporting on my credit profile. In my initial letter that was signed and received by TransUnion on XX/XX/18, I requested verification of the public record. TransUnion responded on XX/XX/18 indicating that the public record had been verified. I replied to their correspondence requesting the procedure for verification as I was concerned that the matter had not been subject to adequate investigation. I explained to TransUnion that I contacted the court indicated on my credit profile and the court denied providing any verification to TransUnion regarding the public record being reported. TransUnion is indicating on my credit profile that the public record was reported by the court while the court is denying they made any verification. I also provided letters to TransUnion confirming security freezes and opt out status from XXXX, XXXX, and XXXX that I was granted due to concerns of inaccurate items on my credit profile. 

It has been more than 30 days since I initially contacted TransUnion regarding this matter and despite requesting information regarding the specific contacts made ( persons TransUnion spoke to or contacted to verify the information they're reporting ) and process for verification of this item, TransUnion continues to refuse to properly verify the information they are reporting. The item has not been listed as disputed and the item has missing information noted in the tradeline. TransUnion is required to provide full and accurate information and provide verification when requested. Despite my ongoing requests, TransUnion continues in their failure to properly investigate and verify this public record.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than XXXX  days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Product: Mortgage

In XX/XX/2019 my HUD counselor and I were told that a modification on behalf of my mortgage was approved and to expect the paperwork to arrive within 7 days, unfortunately that never happened and subsequently I was served with foreclosure papers. I am being charged excessive fees with no remedy to catch up or arrest the bombardment of fees and the ruin of my and my family 's financial life.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 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. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Iam trying to connect my pnc bank with my XXXX XXXX & XXXX but its saying it wont connect due to changes with pnc prevents you from linking accounts .. my Name Is XXXX XXXX please help me
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding their failure to respond to a dispute I submitted regarding inaccurate information on my credit report. 
On XX/XX/, I mailed a dispute letter to Equifax via USPS, using the tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In my dispute, I requested an investigation into multiple inaccurate items on my credit report that are significantly affecting my credit score. Additionally, I disputed incorrect personal information listed on my report. 
Unfortunately, despite sending the dispute letter, I did not receive any response from Equifax regarding the investigation results, as required under the Fair Credit Reporting Act ( FCRA ). The FCRA stipulates that when a consumer disputes the accuracy of the information on their credit report, the credit reporting agency must conduct a reasonable reinvestigation into the disputed items. 
It has now been an extended period, and I have received no updates, results, or action taken by Equifax on my dispute. It appears that Equifax has violated my consumer rights by not conducting the required investigation upon receiving my dispute. This inaction is causing significant harm to my credit and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts have violated my rights. 

XXXX XXXX Account : XXXX Problem : Contacted company multiple times about late payment not being late. 
_____________________________________________________________________ State Of Michigan : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX 15 U.S.C 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: Checking or savings account

I opened my account on XX/XX/XXXX and funded my account with {$750.00} on XX/XX/XXXX. Within hours, my account was locked, and I was sent an email asking my purpose for having a Skrill account. I responded to immediately, telling them that XXXX setup the account to store/send/receive money from family. 

On the morning of XX/XX/XXXX, I received an email saying my request was being escalated, and hours later, I received a notification telling me my account was permanently shut down, WITHOUT EXPLANATION. Furthermore, Skrill also has not provided an explanation or process for me to get my deposit back. I'm pretty sure it's illegal for Skrill to just take and hold {$750.00} from me without my consent.