23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the month of XX/XX/2019 my mortgage servicer contacted me by mail with a statement pro-warning that my HOI policy has expired and that I will need to find coverage soon or else they will provide coverage to me. I immediately called to figure out what exactly is going on. My HOI has never expired its always been paid via escrow acct from this mortgage servicer Dovenmuele. I also confirmed with my HOI through XXXX and they confirmed policy is still active. I submitted proper paper, work ( dec. Page ). as I was instructed to do so by Mtg servicer. from that step everything were suppose to have gotten resolved. Well within 30 days I get the same letter warning me again of expired HOI. I call again explaining, I sent another declaration page over. I even got XXXX XXXX involved since that's the lender who originated my loan and still owns it. I was told by a rep at XXXX XXXX that she would escalate this issue to upper management that was back in XX/XX/2019. Never received a call back to update me or nothing. Effective XXXX XXXX, Dovenmuele drafted my escrow acct a sum of {$3700.00} as an HOI disbursement, in which they should not have. Now I'm angry and mortified!!!! Due to the simple fact this matter should have all been resolved. I sent proper documents, Just to confirm with CFPB Dovenmuele has already drafted my acct for my HOI premium for this year on XXXX XXXX the same as they always do every year in that month, I have never encountered a issue with my HOI. NOW my escrow acct is extremely short of funds to cover my property tax bill that's due on XXXX XXXX. I am asking that the CFPB now gets involved in this matter before this turns into a big legal case with my attorney. I am hoping to get this matter resolved by two weeks or less as my property tax bill is nearing. I feel taken advantage of, I am hurt and angered of such carelessness, the level of incompliance and lack of structure and customer service. I can not tolerate this mortgage company servicing my acct any longer as I am afraid something illegitimate may take place again as this is only of a few complaints and issues I've experienced with this servicer. I also attached proof of paid HOI for XX/XX/2019 and my Mortgage acct activity.
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX I own a XXXX store here in XXXX Virginia. I accidentally deposited the money from another money transfer services to Sigue and I got back with Sigue to see if they could refund me that money because I need to pay the other money transfer services that money and they said that they would, email me a check within XXXX months and its been more than XXXX months now and I havent received anything and Ive been trying to contact them and I have not gotten lucky to do some
Product: Credit reporting or other personal consumer reports

Recently I loocked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking yoy to verify as accurate : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX  and XXXX Reports, l noticed that on XX/XX/2017 an unknown inquiry was made by CAPITAL ONE which l have no idea about it at all.
Product: Credit reporting or other personal consumer reports

It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 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. 15 U.S.C 1681c. ( a ) 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 XXXX years. 

XXXX XXXX {$11000.00} closed, XXXX XXXX XXXX {$5400.00} closed, XXXX  XXXX {$350.00} Closed, XXXX  XXXX {$990.00} closed, XXXX XXXX XXXX {$3600.00}, XXXX XXXX XXXX XXXX late payment. Also including all XXXX and soft inquiries.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate correction of inaccurate information present on my credit report. Upon reaching out to the respective banks associated with the reported accounts, it became evident that a system glitch was responsible for providing incorrect details. 

Furthermore, I have directly communicated with the banks, and they have acknowledged the errors stemming from these system glitches. They have assured me that the negative information associated with the accounts will be rectified to accurately reflect a positive status or marked as closed/never late. I expect these necessary corrections to be promptly reflected on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$7100.00}, {$10000.00}, {$4300.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit card or prepaid card

XXXX  card XXXX was breeched on XX/XX/2022. someone called when I was down the street from Regions drove to Regions to ask if the call was real before I spoke with them. They checked his credentials.This was the next day XX/XX/2022. Was on the phone with them trying to get every thing straight. MY credit card had been breeched with a card that was just like mine in my purse. I do not know who this was or how they went about getting the money {$1200.00}. and cash advances of {$250.00}. I got a letter onXX/XX/2922 from Regions claims resolution Center stating that : our review indicates you participated in or otherwise authorized this use of your card!!!!!! WHAT!! I have been with this institution for XXXX  years. I have never accessed cash advances.I would like the amount that was taken from my account replaced. I felt like a criminal and that is the way they treated me. I am asking you to do whatever you can to give the credit I should have for being with this bank for XXXX  years.Please fix my account before it affects my credit. It has already gone down from XXXX to XXXX .Thank you!
Product: Credit reporting or other personal consumer reports

They wrongfully took signatures for a service was not provided and will never be provided. I never signed anything. This is fraud. Experian is the only credit bureau still reports this on my account. My wife XXXX XXXX XXXX XXXX successfully disputed and won the claim to be taken out of her experian report. My case is nothing different than her. XXXX provided the same supporting information for both the both of us. 
Loan number XXXX XXXX XXXX XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

I have received multiple notices from https : XXXX. Informing me I have received a gift card of {$1000.00}, or a loan of up to {$3500.00}. From Bank of America. I did not give Bank of America my new cell phone number. I dont need money, or a loan.
Product: Credit reporting or other personal consumer reports

After reviewing a recent copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Again as previously stated under Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and update this disputed account. Please forward me the name and address of the persons contacted : XXXX : XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX : XXXX XXXX XXXX Balance : {$22000.00} XXXX : XXXX XXXX XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX  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 a account without my written instructions 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: Money transfer, virtual currency, or money service

Funds from sale of our home were deposited into Marcus-Goldman Sachs ( hereby Marcus ) savings account in XXXX. It was indicated to Marcus that this will be used in the future to purchase a home in XXXX - hence the account is labeled as " XXXX Marcus ''. 

A first attempt to transfer funds ( {$120000.00} ) to a 'personal account ' at XXXX XXXX XXXX , listed in my name, was made XX/XX/XXXX. This was reversed by Marcus on XX/XX/XXXX. 

A 2 hour phone call was made ( long distance from XXXX ) on XX/XX/XXXX. I was told, after having given all the security information, as well as participate on a conference call to XXXX XXXX XXXX XXXX, that it would be 1-3 business days for these funds to be transferred. To date, XX/XX/XXXX, no funds have been transferred. 

Note, I asked why it would take this time since I had already linked the accounts. The last representative I spoke with indicated it was because I had asked to have the account closed after the transfer was made. 

My 2 hour phone call consisted of dropped calls, being transferred to at least 6 different employees, whereby I was made to repeat myself. I am now having to make plans to fly back to the states to make sure these funds are transferred. I have paid earnest money on a home in XXXX, that I will lose, if I can not come up with the remaining amount within the agreed upon timeframe. 

One last note, I am currently using a cell phone that works in XXXX. In wanting to keep my account updated, I had attempted to add an alternate number, but their software does not allow for a overseas/XXXX  phone number. 

I have statement photos of transactions, etc. as well as audio, of information noted above. 

With Respect, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : XXXX. Company Information : - Company Name : Experian - Company Address : XXXX XXXX XXXX, XXXX, TX XXXX - Phone Number : ( XXXX ) XXXX ( Experian customer service ) XXXX. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the US BANKRUPTCY COURT NEW JERSEY. The bankruptcy was reported under reference # XXXX and listed the date of filing as XX/XX/year>. I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

XXXX. Actions Taken : On XX/XX/year>, I sent a written dispute directly to Experian requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 

XXXX. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being. 

I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 

Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.
Product: Student loan

The amount I 'm paying is n't an issue, they told me not to do a ny payments for 3 or 4 m onths last year to which they where adding more interest and charges to my account. They defaultedmy paym ent one t ime and asked me to pay double the amount due to their issues with their server. I do n't see a decrease of my total account but I do see it rising for some reason, tried to find out why but I believe they 're making me run around circles. I 'll have to refinance somewhere else but I want to make the total payment settlement low to take out their unnecessary interest and charges that was n't even my fault.
Product: Credit card or prepaid card

In XX/XX/XXXX i submitted an SCRA request form to American Express for them to reduce my interest rate on my Amex Everyday Card to 6 % or below. A few weeks later they approved it and said they would be reducing my interest rate and issuing me a refund for the overcharges. Nothing happened so in XX/XX/XXXX I submitted it again and they told me the same thing after a few weeks. I've been calling American Express consistently and they keep telling me that " by next month the changes will be reflected on your account and you will be issued a refund for the overcharges ''. I have continued to use the card expecting that the interest rate will decrease and i will be issued a refund otherwise I wouldn't have carried a balance on a card with a 19.99APR rate. American Express ie legally obligated to reduce interest rates for military personnel and yet they passively refuse to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the the following accounts. 

Account Name : XXXX Account Number:XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : XXXX XXXX
Product: Debt collection

I have repeatedly disputed the MIDLAND CREDIT MANAGEMEN attempted debt collection of {$710.00} on a XXXX XXXX XXXX XXXX. account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Re-investigation Information : This item was updated from our processing of your dispute in XX/XX/XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my family no longer have our own home due to the constant credit issues. This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number is XXXX. I have sent disputes for investigation multiple times. But nothing has changed in regard of this account. I sent this account for investigation on XX/XX/XXXX through certified mail. It has been more than XXXX days now, and my recent credit report ( XX/XX/XXXX ) still shows many inaccuracies and violations. A few being ; payment status says " paid " for XXXX but nothing for the other XXXX bureaus. I have proof showing that this was paid to be deleted even though it was wrongfully charged to me. I paid it just to get housing for my family in XXXX. I will attach the receipt and tracking number from the certified mail disputes. 

I'm requesting monetary relief per violation on this account and deletion. 
U.S. code 1681n ( a ) ( 1 ) ( A ) Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( experian )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt collection

In 2005 I was a victim of Identity theft, I've been been living a nightmare ever since, I've been trying to battle this nonsense. My car was stolen in 2005, I had all my info inside it, since 2005 while living in Georgia, weird things started showing under my social and name and showing on my credit report, having said that ; my credit has never been able to recover from whoever is using my identity to have a life posing as myself. I can't deal with this situation anymore. This is depressing, I can't even have a normal life because even if I try to fix it, it seems like I can't get my life back. I need immediate help and would like and want to have all those false collection debts taken off my credit and name please. I've been fighting this for over 15 years and I can't do it anymore. I need help and have the three bearous to have those negative debts off my credit for once and I can have my life back. Thank you so much for your time. You are my last hope .... God bless.
Product: Debt collection

I have Knight Adjustment Bureau currently pursuing me for fees from a bank account ( XXXX XXXX XXXX XXXX ) that was closed in XX/XX/2008. This is beyond the statute.