23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter saying that I was paid ahead by a month and that I didn't owe anything for XXXX. I didn't have any record of having paid ahead. So I tried going on line only to find the password expired and no option to reset it. I tried calling and due to high call volume they kept referring me to their website. I didn't have an option to stay on hold or have someone call me back. This happened repeatedly. I was also informed by the recorded message that my loan has been transferred and to contact my " service provider '' which I don't even know who that is. I never received notice from Mr. Cooper that the loan was transferred. I can't get any information from them. I decided to call XXXX of the numbers to " refinance '' my loan and did get someone who tried to transfer me to customer support but was faced with the same recorded message about going on the website. Dead end.
Product: Checking or savings account

On Sunday, XX/XX/18, there was a {$50.00} dollar merchant charge for hotel incidentals placed on my account. 
On Tuesday, XX/XX/2018, I called Bank of America to inquire about the merchant hold ( {$50.00} ) that was still on my account. I was told by the representative that the hold would fall off my account by midnight. On this same day, I had a check post to my account. 
On Wednesday, XX/XX/2018, I was charged a {$35.00} dollar fee because the merchant hold was still on my account. I called BofA and was told that the merchant told the bank to extend the hold. 

The initial charge {$50.00} charge was for incidentals at a hotel for 1-night stay. 

The hold was release on XX/XX/2018. Bank of America stated that due to not having enough money in my account, the fee was valid. 

When I called Bank of America on Tuesday XX/XX/18, I was told that the transaction would " wash '' and funds would be available. That was not the case and I was misinformed by the bank 's associate which resulted in the overdraft fee.
Product: Checking or savings account

A check was stolen from me and cashed by the thief, a police report was file and bank refused to refund me claiming it may take up to 120 days.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of several accounts on my credit report following my previous dispute with your agency. The accounts in question are not being reported accurately and are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I request a thorough reinvestigation by your agency for the following issue : 1. 
The collection agency is attempting to collect a debt that is 5 years old, which is illegal in the state of Illinois due to the statute of limitations. Furthermore, this agency has failed to validate the debt despite multiple requests on my part. I am concerned about how your agency was able to verify this debt when the collection agency could not. 
NAME XXXX XXXX XXXX XXXX ACCOUNT : XXXXXXXX XXXX  AMOUNT : {$1300.00} IF this account can be verified, I am requesting full and proper documentation, If not this must be DELETE from my Report Immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX XXXX. 
I have no record or knowledge of missing any payment with this company. There is no evidence on my end that I missed any payments. How can it be explained that this account was paid for and closed, yet still shows a late payment for the last month? This discrepancy is causing significant confusion and indicates an inaccuracy. 
Name : XXXX XXXX XXXX XXXX  Account : XXXX  Amount : {$10000.00} UPDATE THIS TO PAID AS AGREED Inquiry : The following inquiries have not been authorized by me, I have never contacted the following lenders. I request an IMMEDIATE REMOVAL. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir or Lady : I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number have been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attached. # XXXX Send me an updated copy of my credit report and please block and remove all information from it. The following INQUIRIES were obtained through fraud that I did not authorize and are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that Lexis Nexis has corrected the bankruptcy error on my credit report with them. XXXX and XXXX have given written notification that they both received the information from Lexis Nexis. I have submitted the supporting documentation I received from Lexis Nexis to both bureaus and both XXXX and XXXX refuse to review the documentation and update my reports. 

XXXX went on further to send written documentation that both the Federal Bankruptcy Court and Lexis Nexis confirmed the accuracy of the tradeline to them on XX/XX/2023. I am unsure which portion of the court was open to confirm especially since this is a legal federal holiday. State and Federal buildings are closed on this day along with banks.

Both bureaus have stated Lexis Nexis has not reported this information to the bureaus per the 5 days they have to correct the error and we are now going on almost 120 days.

Per CFPB " Consumer reporting agencies have 5 business days after completing an investigation to notify you of the results. ''
Product: Debt or credit management

Deposits : {$4600.00} Payments to Creditors : {$1700.00} Settlement Fee : {$1500.00} Global  Holdings Fee : {$180.00} XXXX  Fee : {$1100.00} Bal : {$0.00} Global Holdings LLC also goes by XXXX did not pay my creditors as XXXX still shows them listed on my credit report. They never mentioned a XXXX Fee membership fee of {$210.00} on any documents or recorded phone agreements. They also withdrew money from my bank without my knowledge when we had made a written agreement that they can only withdraw {$100.00} because I lost my job but they overdrafted my account and withdrew over {$600.00} until I cancelled them and blocked them from ACH withdrawals. I deposited {$4600.00} and they did not use my money to pay off any settlements. They took advantage of me because I didn't know how to settle my own debts. Before going thru them I was paying everything on time but they missed all the payments and defaulted on all my creditors which I didn't know was their tactic so now my credit score is very low.
Product: Credit reporting or other personal consumer reports

I sent this statement recently : I looked at my CHEXSYSTEMS report recently and noticed multiple fraudulent accounts and inquiries and I have filed reports with the FTC. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and remove any inaccurate or fraudulent information from my credit report. Please remove these fraudulent accounts from my account immediately. I have listed them below : Account : XXXX XXXX  Account number : XXXX Amount : {$1600.00} Date of Closure XXXX XXXX : XXXXXXXX XXXX Inquiry Date XXXX, XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, Inquiry : XXXX XXXX inquiry Date XXXX XX/XX/XXXX Please look into this thoroughly and remove this improper information.
Product: Mortgage

This pertains to loan number XXXX that we have with AmeriHome. We are guessing this issue is related to our attempt to recast the loan after they received {$100000.00} to reduce the loan principal on XX/XX/XXXX, but they could not process it and returned the money on XX/XX/XXXX, along with the {$250.00} administration fee. That was 2.5 months of holding our money! 

Currently, we are trying to pay our loan on-line ; via direct payment and ACH. We have also tried to repay this loan via telephone. In all cases, the account remains blocked by the modifications department. This was the group that was supposed to recast the loan, but worked so unethically and immorally that they had to return it per a previous response to my complaint. 

Note that people managing the messages area keep on line are saying that that loan is unblocked, and/or that we should remove all cookies. IN ALL CASES THE ACCOUNT REMAINS BLOCKED. 

To make matters worse and when we call in, the voice prompt says that we need to be aware that they are trying to collect a debt. We all know that AmeriHome is morally and ethically bankrupt and/or completely incompetent, but this is a new low. How can they say they are trying to collect a debt, when they are preventing us from paying the current loan payment. 

My guess is that AmeriHome is trying to punish us for cancelling the loan recast by preventing payment ; putting our credit scores in jeopardy and leading to delinquency. 

This situation has been going on for at least 2 weeks if not a month.
Product: Debt collection

Dear Sir/Madam, I, XXXX XXXX XXXX am writing to dispute a debt collection account that appears on my credit report. Upon reviewing my credit report, I noticed an entry from Wakefield & Associates regarding an alleged debt in the amount of {$1100.00}. The original creditor listed is XXXX XXXX XXXX. I am formally disputing the validity of this debt and request a thorough investigation into this matter. 

I do not recognize this debt nor have I ever had any dealings with XXXX XXXX XXXX or Wakefield & Associates. Therefore, I believe there has been a mistake or possibly fraudulent activity associated with this account. 

I request that you provide me with detailed information regarding the debt, including : Confirmation of the original creditor, XXXX XXXX XXXX. 
Documentation proving the debt is valid and legally owed by me. 
Verification that Wakefield & Associates has the legal authority to collect this debt. 
Any contracts or agreements bearing my signature related to this debt. 
I also request that, during the investigation process, this disputed item be temporarily removed from my credit report to prevent any further damage to my credit score, as required by the Fair Credit Reporting Act ( FCRA ). 

Please be aware that under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the validity of any debt reported on my credit file. I expect a prompt and thorough investigation into this matter in accordance with these laws. 

Furthermore, I request that all communication regarding this debt collection account be conducted in writing to ensure a clear and documented record of our correspondence. 

Please find enclosed a copy of my credit report highlighting the disputed item for your reference. I kindly request that you update me on the progress of the investigation within 30 days of receiving this letter. 

Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost professionalism and diligence. 

Sincerely, XXXX XXXX Enclosures : - Copy of Credit Report - Any supporting documents ( if applicable )
Product: Credit reporting or other personal consumer reports

THIS IS THE ONLY CREDIT BUREAU I HAVING ISSUE WITH MY CREDIT REPORT. I JUST DID A LONG DEEP VIEW OF MY EQUIFAX CREDIT REPORT AND CERTAIN ACCOUNTS ARE SHOWING NO DATA AVAILABLE. WHEN I CALL IN TO DISCUSS THAT WITH A REP THEY DONT UNDERSTAND WHAT IM SAYING. YOU CANT DISPUTE THIS ONLINE IT WONT ALOUD YOU TO DO IT, I CALL IN TO THE CREDITOR ABOUT IT THEY SAID THEY SENT OVER MY ACCOUNT THAT IT WAS PAID FOR THAT MONTH. IM ALREADY DEALING WITH ISSUES WITH XXXX XXXX XXXX NO I SEE I HAVE ACOUNT WITH XXXX XXXX XXXX. ON THIS ACCOUNT FOR THE MONTH OF XX/XX/XXXX IT SHOW NO DATA AVAIABLE BUT I MADE A PAYMENT TO THEM THAT MONTH, SO THE BALANCE, SCHEDDULED PAYMENT, HIGH CREDIT, CREDIT LIMIT NEED TO BE UPDATED CORRECTLY NOT NO DATA AVAIABLE. NEXT ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX SAME IT SHOWS NO DATA, THE BALANCE FOR THE MONTH OF XXXX, XXXX, AND XXXX OF XXXX NEEDS TO BE UPDATE CORRECTLY, SAME WITH SCHEDULED PAYMENT, HIGH CREDIT CREDIT LIMIT FOR THOSE XXXX, XXXX, XXXX OF XXXX, THEN XXXX XXXX XXXX OF XXXX NEEDS TO BE UPDATED CORRECTLY SINCE I MADE PAYMENTS FOR THIS ACCOUNT FOR THOSE MONTH NOT NO DATA, XXXX XXXX XXXX MISSING XXXX OF XXXX IT SHOWS NO DATA, MISSING BALANCE, SCHEDULED PAYMENT HIGH CREDIT, CREDIT LIMIT FOR THOSE MONTHS NOT NO DATA AVABLE. XXXX XXXXXXXX XXXX XXXX MISSING BALANCE, XXXX MISSING SCHUDULED PAYMENT XXXX OF XXXX AND XXXX OF XXXX. MISSING HIGH CREDIT ANDCREDIT LIMIT FOR XXXX OF XXXX AND XXXX OF XXXX, SAME IT NEEDS TO BE UPDATED CORRECTLY NOT NO DATA XXXX XXXX XXXX MISSING BALANCE FOR XXXX AND XXXX OF XXXX HIGH CREDIT, CREDIT LIMIT FOR XXXX AND XXXX OF XXXX IT NEEDS TO BE UPDATED CORRECTLY XXXX XXXX XXXX MISSING BALANCE FOR XXXX OF XXXX ALSO HIGH CREDIT CREDIT LIMIT NEEDS TO BE UPDATED, XXXX XXXX XXXX  MISSING BALANCE FOR XXXX CREDIT AND CREDIT LIMIT ON THIS ACCOUNT AND IT NEEDS TO BE UPDATED NOT NO DATA
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 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 Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

40 U.S. Code 3133 - Rights of persons furnishing labor or material The first way to establish a permissible purpose is in writing and in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX has violated the act all violations must be cleared and satisfied as per court action. Person having direct contractual relationship with a subcontractor.A person having a direct contractual relationship with a subcontractor but no contractual relationship, express or implied, with the contractor furnishing the payment bond may bring a civil action on the payment bond on giving written notice to the contractor within 90 days from the date on which the person did or performed the last of the labor or furnished or supplied the last of the material for which the claim is made this letter is requesting a investigation and validation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Please delete the following from my consumer report not later than 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX Original filing date XX/XX/ 2023 Reference number XXXX I demand immediate action regarding the violation of my identity and the fraudulent use of my personal information as stated in 15 USC 1681a ( 3 ). My identifying information was unlawfully disclosed to another individual without my consent. Please delete from my consumer report not later than 4 business days.

( 5 U.S.C. 552a ) Anyone can request to see or get copies of any personal information that we have in your file. Any personal information in your file that is retrieved by individual identifiers, such as name or social security number is protect by the Privacy Act, which means requests for information about you may be denied unless we have your written permission to release the information to the requestor or unless the information is subject to disclosure under the Freedom of Information Act. How and for what purpose did you receive a Social Security number of XXXX XXXX? 

RESPECTFULLY,
Product: Money transfer, virtual currency, or money service

The name of the bank was chase. 
The dollars amount was XXXX. 
The date were XXXX, XXXX, XXXX
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. 

Account Name : DPT ED/XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

My mortgage was transferred to Mr. Cooper starting XXXX XXXX. On XXXX XXXX, the auto draft and an extra payment of {$1900.00} was pending in my bank and with Mr. Cooper. I did not set up the new acct with Mr. Cooper till XX/XX/XXXX. Upon getting into my acct., I noticed that an extra payment was made, not by me, and that it was drafting out of my acct. I called Mr. Cooper and asked about it. I spoke with XXXX XXXX, she accused me of being the one that made the payment on XX/XX/XXXX. After going back and forth, she said that if it wasn't me then it was fraud. I agreed to launch a fraud investigation into this matter. I could not have made the payment online when I did not create my account till XX/XX/XXXX. They told me to wait till the payment has cleared and then they will refund the error. I asked, what if the funds are not there to draft? Then I will be getting a XXXX  and over draft fee as well. She argued more with me and continued to say that it was my fault or fraud. If I say it was me then they will not launch an investigation, if I say I didn't make the payment then they will send it to the fraud dept. I asked how it is fraud when it was paid from my bank to my mort. She said because I am saying I am not the one that made the payment. I was sent to the escalation manager and told the same thing. This phone call lasted 45 min. 
I then did on line chat on XX/XX/XXXX. I asked to be kept in the loop about the investigation into why this happened. XXXX said they will keep me in the loop via email. I then called the number XXXX gave me to speak to the payment dept. I noticed that the payment had now cleared. I called the number and spoke with XXXX to help me with the refund. She did get the refund going back to me since it had cleared my bank. I then asked her how the investigation was going. She noted that their is not one. I explained to her my phone call the day prior. She confirmed my story in her notes but no investigation had been launched. She then set one up and sent it to the correct dept. 
With in an hour or so later, XXXX called back and said they looked into it and found out it was an inhouse error. When the loan transferred something happened and it double dipped my payment. This clarifies that XXXX did not know what she was doing, did not look into my issue or report the fraud and was so rude and frustrating.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 .S.C . 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the resuit of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX that appears relate to one of the aforementioned accounts.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

This Citi Bank closed my acct and my direct deposit went in on the XXXX XXXX and it was kicked back out and they told me they sent out my check on the XXXX of XXXX and it will be 10 to 15 days it don't take that long so now I been told the check was sent out on the XXXX XXXX and I still don't have it I'm about to be put out where I stay my car need fixing I'm gon na get evicted cause they playing around with my XXXX XXXX XXXX Check now they close my acct. With no reason and I haven't had a check the whole XXXX.