23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing this to inform you that the funds from escrow were not sent to my account. 
After the loan for XXXX XXXX XXXX XXXX NY was paid off in XXXX after being sold, {$71000.00} was supposed to be given to M & T bank as paid off. 
When I called about it, I was told that the escrow department used the remaining to pay off the loan in XXXX according to XXXX XXXX. 

However I have made the payment on {$1100.00} for the payment in XXXX. 

Keep in mind, I was not asked nor did I give any instructions to apply the remaining Escrow funds to be used or applied to any loan balance. I was expecting the remaining money to be deposited to my checking account after it was paid in full. 

I request information on where the remaining money went to and I request that the remaining money be deposited to my checking account. 
I am sending documents that support what I stated. 

According to the Consumer Financial Protection Bureau ( XXXX Timely escrow payments and treatment of escrow account balances. ), within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

This is not the first time that M & T Bank failed to provide accurate balance information. 

If you have any questions, let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as of late sent a debate letter to TransUnion, XXXX, and XXXX on, XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Agency. The explanation I'm documenting this protest against them is that Government Law expects them to react within 30 days yet they have neglected to react.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXXXXXX XXXXXX/XX/year> To Whom It May Concern : This is my final communication regarding your claims that the information below has been " verified '' and that the information being reported by the furnishers is 100 % accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have repeatedly asked for your evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnishers. 
Furthermore, I have requested your method of verification and you have not complied which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ) and 15 U.S. Code 1681e ( b ) which states " 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 '' and you have neglected to provide me which such information either time I have requested it. 
In absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for " negligent non-compliance ''. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 

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

Hi, I ask the help of CFPB with the above creditor. XXXX  and Equifax have stated that this account is accurate, yet both bureaus have not provided me anything. I have even sent a letter for VALIDATION First letter was sent out on XX/XX/2019 Second attempt has been sent at the beginning of XXXX, both letters I have sent and all I receive from the company are statement trying to collect a debt ( not mine ) these statements do not show anything and are not documents accepted as validation, so how is it that Equifax and XXXX are validating this account. I believe the bureaus are NOT validating anything and not properly investigating. XXXX and Equifax have closed my dispute and will no longer investigate ; therefore, I ask the help of cfpb to oversee what is going on. I request XXXX XXXX to remove both accounts from each credit files at once. Since they have failed to provide me with requested information. The FCRA requires you to verify the validity of the item within 30 days. I been disputing these accounts since XXXX150 days later, way pass 30 days. Enclose are copies of validation letters sent to creditor and bureau, receipt of certified mail and return receipt as well, creditor constant statement to pay a debt not belonging to me. 
************************************************************************************************** To who it may concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.I look forward to an uneventful resolution of this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.
Product: Checking or savings account

At approximately XXXX on XX/XX/2004, I tried to send {$30.00} from my checking account to my daughter via XXXX XXXX however, the transaction would not go through. I called the number provided on the screen and was informed that a " hold '' had been placed on my account. The first CSR that I spoke to could not provide an explanation as to why a hold was placed on the account, so I asked to speak to a supervisor. Another CSR took the call and advised that the hold had been placed by M & T 's Security Department, however, there were notes in the system as to what prompted or triggered the hold. I asked to have my call escalated to see if a manager could provide a reasonable explanation as to why I would have to physically go to a branch to provide identification in order to have to have the hold removed. The next person I spoke to confirmed that, not only would I have to go to a branch, but I also would not be able to access funds from the ATM and stated that the bank manager would more than likely not be able to provide documentation as to the reason for my account being placed on hold. I am a former XXXX XXXX XXXX and currently an XXXX XXXX XXXX. I know that there were no XXXX-related activities that triggered the hold, nor were there any unusual transactions ; I occasionally use XXXX to send funds . I didn't receive any alerts regarding my account being compromised ; I could have been stranded or stuck in a precarious situation had I not tried to access funds this evening. I don't understand how a financial institution can arbitrarily place a hold on my funds, without some recourse to resolve the issue in a timely manner. I could have answered security questions or uploaded a copy of my identification ; however, neither was an option. No staff or department was able to override the hold and there was absolutely no information available to me. I was trying to send money to my daughter who is taking care of my XXXX father, who was taken to the ER earlier today. Thank XXXX I am in a position to have several available sources of funds ; M & T is my primary bank. I know something like this could have caused serious hardship for many consumers. There has to be some accountability. I will also be filing a complaint with my XXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX MA, Account # XXXX has violated my rights. 

15 US 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX XXXXXXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Credit Inquiry Dear Sir/Madam, I am writing to formally request the removal of a credit inquiry from my credit report that I believe was made without my authorization. I have reviewed my credit report and identified an inquiry that I do not recognize or recall authorizing. 

The details of the inquiry are as follows : Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard inquiry I did not initiate or authorize this credit inquiry, and I request that you investigate the matter. If you are unable to verify my authorization for this inquiry, I ask that it be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. Please let me know if you need any additional information or documentation from me in order to proceed with this request. 

I appreciate your prompt attention to this matter and look forward to your confirmation of the removal of this inquiry. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I have absolutely no idea who this company is or why they are furnishing derogatory information on my Consumer reports. I am demanding Sequium Asset Solutions , LLC Cease and Desist any and all contact with me the Natural Man/Consumer unless it is in respond to my inquires or regarding monetary remedy for myself, this is considered defamation of my character and credit worthiness. I would also like Sequium Asset Solutions , LLC to provide me the information as follows : 1. Who is the ORIGINAL CREDITOR? 2. If this debt was purchased? What date was the credit file purchased from the ORIGINAL CREDITOR? 3. How much was this debt purchased for? 4. All Accounting Ledgers 5. Original Contract. Not a " redacted '' copy of the ORIGINAL CONTRACT 6. ANY and ALL information pertaining to this alleged debt. 7. I am demanding you Cease all efforts to collect this alleged debt until ALL discrepancies are RESOLVED in alignment with the LAW 8. ANY license you may have obtained that grants XXXX XXXX XXXX to collect ANY DEBT in the state of TEXAS.
Product: Payday loan, title loan, or personal loan

I am a victim of a Predatory Lender using the guise of a XXXX arrangement. I am XXXX XXXX XXXX and a Veteran. The tribe  utilized here is called the XXXX XXXX XXXX. The name they used here for my loan is Uprova, but there are 4 other company names they use with this same address and same tribal  loan format. My {$1000.00} loan had an APR of 684.83 % and a total payment of {$4300.00}. This was based on their taking {$290.00} twice a month in payments. They violate Truth in Lending by claiming to be an Alternative to PayDay Lians, yet far exceeding even those in the Interest Rate the charge, hiding beyond this Tribal  immunity claim. The cases against the Predatory Lenders also cite possible RICO violations for the actual Predator behind these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Balance : {$490.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$940.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXK XXXX XXXX XXXX ) Balance : {$490.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This phone number XXXX from LJ Ross and Associates continue to call my cell phone and tell me that I owe medical debt in XXXX when I have never been to XXXX in my life. They will not stop calling me!! Its rather frustrating especially when I know I do not owe any hospital debt.
Product: Credit reporting or other personal consumer reports

In XX/XX/scrub>XXXX XXXX I filed a XXXX XXXX XXXX. At the time, I had a cash advance balanace of {$120.00} which I was wiling to pay. I had been contacted by Chimes corporate counsel XXXX XXXX XXXX advising in order to comply with the XXXX  XXXX ( because they were attempting to collect on this bankrupt debt during the bankruptcy proceedings ) that they were forgiving the debt. 

I made several attempts to contact XXXX XXXX to verify if they were going to delete the credit bureau reporting since the debt had been forgiven per his email. XXXX XXXX did not respond. 

After the bankruptcy was closed in XXXX XXXX XXXX started to report this debt for which they had forgiven as a bad debt on my credit bureau. 

This is deceptive in the worst possible way. They represented in writting a contract that they forgave a debt then misrepresented to the credit bureaus that it was a bad debt in order to attempt to both slander my name and attempt to collect on a debt for which they contractually forgave. 

They are illegally furnishishing misinformation to the credit bureaus which is resulting in a significant drop in my XXXX XXXX and an inabilility to obtain credit.
Product: Debt collection

XX/XX/XXXX XXXX Noticed legal fee and hold on my bank account on XX/XX/XXXX. Called XXXX XXXX XXXXXXXX and was instructed me that is was from due to needing to investigate my account for an outside party. And would have to call back to speak with legal department from more information when they opened. I was also given number to outside party ( XXXX ) XXXX. 
XX/XX/XXXX XXXX I called the ( XXXX ) XXXX which is Cooling and Winter Firm, I implied that I was looking for reason hold was placed on my account and my was forwarded to staff member to help me. No answer, and I left a voicemail for return call. 
XX/XX/XXXX XXXX Called number to XXXX XXXX XXXXXXXX to speak with legal department regarding fees and hold, agent stated I could not speak with anyone but she would contact them on my behalf. The agent stated the hold and fees were due to judgement from the State of Georgia, and my addition bank account balance would should not be affected, there was just a one time hold for {$330.00} as of now but the told instructed to hold was about {$3400.00}. I also reported that I was unable to contact party that placed hold on account and asked for more info on how to resolve. 
XXXX I called Cooling and Winter back and was given XXXX contact number because I was unable to reach anyone attempted to call both Cooling and Winter contacts I was given with no success. 
XXXX-Followed of with BaXXXX XXXX XXXXXXXX due to not being able to contact with Cooling and Winter. Representative reinforce that Bank Could not remove hold due to instructions from State of Georgia. 
XXXXEmailed Cooling and Winter and finally was able to speak with someone called me back, who identified as debt collector. Collector stated that a judgement for garnishment when given XX/XX/XXXX, which I cant find any record of. Representative stated that total debt was about {$4200.00} and garnishment started on XX/XX/XXXX and would take all wages in account not just a percentage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  2016     Opened Date  XXXX  {$320.00} . I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX     2016,   Opened Date.   XXXX   XXXX  {$610.00}. I was told that i was no longer liable for this credit line.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX, XXXX, XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, TX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, TX, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting a Bankruptcy on my Social Security number for over 7 years. 
I have sent several letters asking to verify with a signature and asking for the procedure and the only answer I get is they claim it was validated. When I ask who validated it, they claim the court did. 

I have a letter from Bankruptcy Court in XXXX, MS where she said that they do not work with the Credit Bureaus and have not validated anything. They do not provide information to the Credit Bureaus nor any third parties. 

This is a violation of the Fair Credit Reporting Act. They are using an unnamed 3rd party who must have a glitch because it does not show up in XXXX XXXX or XXXX. I will provide proof from the Experian credit report I bought. 

I will provide the 3 letters I sent along with the letter from the Bankruptcy Court and a credit freeze from XXXX who froze my account to keep there from being any further misreporting.
Product: Debt collection

Calls everyday in excess of 10 times starting at XXXX XXXX until XXXX XXXX. Calls from different numbers, as well as blocked and unknown numbers. They also send texts to my phone once or twice a week. This company only has one number on file for me, but they have called my parents house ( who I do not live with ), and have on at least one occasion called my brothers cell phone ( whose number I dont even have ). They have left rambling messages in broken English and mumbling about vague legal, or police actions actions against me.