23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In follow up to claim number XXXX, we still do not have any clarity on what our mortgage payment is, which company to pay it to, and at what address it is to be sent. If we do not receive a formal response by XX/XX/year>, I will be paying {$2400.00} to the last known address pending resolution to the disaster that has plagued our mortgage loan for XXXX months straight. I have attached a typed timeline of all statements received to date, even after filing the claim number listed above with CFPB. 

We have spoken to our attorneys as well and will be proceeding legally pending the CFPB result.
Product: Debt collection

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureaus consumer report and I noticed some inaccurate posted on my consumer report : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$590.00} 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I got a letter sent on XX/XX/2022 from Spruce, associated with XXXX XXXX XXXX XXXX. The information says that the Spruce Spending Account has been closed. 

I called the number on the letter on XX/XX/2022 to inquire about the account as I never opened a Spruce Account and have never heard of this financial institution. 

I have recently closed two credit cards on my own accord, one with XXXX XXXX and the other with XXXX XXXX. I asked if this account is associated with either card and was told no. 

I was told that because I pay my taxes on line this could be an account associated with that. I asked about when the account was opened and they can not give me that information. 

They said this might not be an account associated with my IRS payment. My IRS payment btw was paid as a direct debit from my savings account. 

They also said this account was closed because of fraudulent activity so most likely not associated with my IRS payment. 

They said they would open a fraud case and I can call back with case number XXXX. 

Why was a fraudulent account opened in my name? What charges were made? What controls does SpruceXXXX XXXX  XXXX XXXX have to prevent this from happening? 

When I did nothing wrong, why would I have to micro manage this issue with Spruce as opposed to them being proactive and doing something?
Product: Mortgage

To Whom It May Concern I am getting jerked around by Sun West Mortage Company. 

What happened is when I first set up my automatic payment I wanted to make a {$1000.00} dollar payment each month. It would cover the payment and anything else was to go to principal. 
Sun West Mortgage Company decided to raise my monthly payment from {$890.00} to {$930.00} That was no problem since I was paying a XXXX dollars per month or so I thought. Turns out they added the {$100.00} the {$930.00} equaled {$1000.00}. It was {$39.00} more than I requested to be taken out. 
Subsequently, I did not have the extra {$39.00} but I did have over {$1000.00} dollars in the account. They said I had insufficient funds so they docked me {$15.00}. I know it does not sound like much but they threatened me with a bad credit score if I did not pay up immediately. I tried to call them over a half dozen times and one day in particular I was disconnected three times and that really chapped my hide. 
Sincerest regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an Unauthorized inquiry from Barclays Bank furnished on my consumer report back in XXXX, XXXX. I informed both the consumer credit reporting agency and Barclays about the fact that my right to privacy as a consumer was being violated and that they were both in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my TransUnion consumer report from an Inquiry dated XXXX without my authorization or a permissible purpose. Barclays has sent me 2 letters stating that the inquiry would be removed within 30 days which has not happened the first letter dating back to XX/XX/XXXX and the latest XX/XX/XXXX. At this point Transunion is also in violation for willful noncompliance, in Fact, I have submitted multiple disputes via certified mail # XXXX and Transunion has failed on multiple occasions to remove the inaccurate information therefore they are in violation of 15 U.S. Code 1681n ( a ) any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of 1. ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not mor than {$1000.00} ;
Product: Credit card

Chase credit card services dropped our SCRA in XXXX 2015 conveniently while our military family was XXXX. In XX/XX/XXXX I realized that the APR % went from 6 % to over 20 %! I contacted the bank immediately. They informed me that the SCRA benefits expired and I would need to resubmit information. I did so on XXXX XXXX, 2015 and got a confirmation that they received it. Today on XXXX XXXX, 2015 I had to call again since the benefits wer not applied yet ( 3 month later ). The representative " XXXX XXXX '' told me she did n't see were I sent them and if I resent the paperwork today that they would expedite the request, and call me back to confirm it was received. I resent it via secure messaging on the site as we spoke and received the same " confirmation '' email, but no one ever called me. I have come to a desperate point and feel that they are taking advantage of our military family. I can attach screenshots of both SCRA information messages.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit status. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with who you verified this information so that I may follow up with them directly. Please send an updated copy of my credit after your reinvestigation. 


XXXX XXXXXXXX Account number XXXX open date XX/XX/year> This request for reinvestigation is in reference to Experian report number XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in the mist of getting my credit in line so i can move my family into our first home, but when looking at my report i have multiple name addresses and social security numbers that are not mines, i have reach out to all 3 credit bureaus and giving them my full name XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX my job history should not be on there nor my social security for privacy reasons. please help rectify this matter and fix this ASAP!!! i request to get my personal information updated in XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was previously disputed and deleted. Waypoint Resource Group has re-reported it as a new debt without proper notification and has also re-aged this account which violates the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX department store and made payment arrangements to bring the account current. I explained that XXXX would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday X/XX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and XXXX will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with experian but was not able to dispute it online with XXXX  and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by 35 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to give me a copy of my credit report. There's a lot of false, fake, incorrect information inside the " Personal Information '' section of my credit report. TransUnion refuses to give me a copy of my credit report, and refuses to remove the false information, and refuses to update my personal information. I am especially concerned about the fake address on my credit report. I have never lived in XXXX, Tennessee, and that address is listed on my credit report. TransUnion refuses to remove that address. I want to find out the full details about who put the XXXX address on my credit report. I want to emphasize that TransUnion has refused to give me a copy of my credit report for more than 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX, has violated my right. There are late payments list XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

My wallet was stolen and {$500.00} was taken from my account. M & T bank is denying my claim because they are saying there is no way someone could access my pin # in order to take the money out. I explained that my SS card was in my wallet and my pin was last 4 of my social but that is not good enough for them. Therefore I am out {$500.00} and they are saying there is nothing they can do. They are basically accusing me if stealing my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the exact same disputes to all 3 credit bureaus on XX/XX/2019. XXXX   and XXXX received, processed and gave me results within 30 days. Equifax received my dispute on XX/XX/XXXX and then didn't process it until XXXX XXXX which is when they started their 30 day window. When questioned they stated that it due to their internal mail handling practices and processing time for the documents I provided. They suggested if I submitted it electronically it would have taken less time, except their site is unreliable and I was unable to do so. 

I understand they rules to be that they have 30 days of receipt to do their investigation, This company added 12 extra days based on their own internal process which is unfair to consumers. Please hold them accountable for this, Equifax has a history of not being consumer focused and this is simply another example.
Product: Checking or savings account

Back in XXXX I received a bonus check from my employer. I then received a email my account was being closed due to fraud. It would be closed it 60 days I lost access to my account I couldnt view how much money was left in there nothing. I called over the phone and was informed check was not cashed. I deposited the check via their mobile app. I called back days later to let them know indeed the check had been cashed and I had proof from my employer the funds were added to the account. Ive been getting the run around since XXXX for these funds. Never transferred to a Citi Bank supervisor or called back. I reach out multiple times and they tell me they will escalate the matter or to wait. One time I was advised to go to the branch I went to the branch mind you theres no branch in my city they are now closed so I traveled to this branch to be told there is nothing they could do. Im beyond frustrated and distraught at this situation. Im a XXXX  mother in need of my funds. This has been a on going problem since XX/XX/2022 and have yet gotten a resolution or my money Back
Product: Debt collection

Dear Sir/Madam, I am writing to you personally to address the matter of a debt collection by LTD Financial Services in the amount of {$150.00}, which is alleged to be owed by me. After careful investigation, I have determined that I am not liable for this debt. 

I find it necessary to bring to your attention that I have previously sent a letter outlining my position and disputing the debt to LTD Financial Services. Additionally, I explicitly requested a response by email. However, to date, I have not received any verification of the debt or a response from their organization regarding the contents of my letter. I saw the collections on my credit wise report and immediately filed a dispute with XXXX. That is currently in process. 

As the first of XXXX roommates to check out of the college apartment complex in question, I want to emphasize that I diligently signed the move-out documentation, clearly stating my non-involvement in any damage to the common areas. Moreover, I have meticulously recorded and preserved images of my personal room from the day I moved out, providing conclusive evidence that it was left in a perfect condition. 

It is essential to note that the apartment complex did not notify me of any damage to the common areas during my move-out. Therefore, the issue of damage was not communicated to me, and I am not responsible for its resolution. 

Based on these undeniable facts, it is evident that the debt being pursued is not applicable to me. I kindly request that you assist in these collection efforts against me. 

Thank you for your prompt attention to this matter. 

Please see the following pictures for proof of no damage. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I paid off my American Express XXXX XXXX  card full balance of {$110000.00} on XX/XX/2021. On XX/XX/2021 I confirmed with an account representative assigned to me that payment was received in full and that there were no issues with my account. Since that time my card has been rejected several times. 

On XX/XX/2021 a representative said they would contact my bank to confirm payment went through, even though the funds were removed from my account on XX/XX/2021. They were unable to confirm and my card was still not usable. 

On XX/XX/2021 a representative said they would look into it but never got back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquires. Block and remove them. 
XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX .XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I sent Experian a followup letter regarding a previous letter fromXX/XX/XXXX andXX/XX/XXXX, regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX ' which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been close to 90 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau Experian note the credit, XXXX XXXX XXXX. They are both in voliation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Experian and the creditor, XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target has reported a hard inquiry to my credit report. They pulled it on XX/XX/2022 and I have never applied for anything from target. Already contacted them to tell them it was fraud
Product: Credit reporting or other personal consumer reports

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I also filed a CFPB complaint over XXXX  days ago, and you failed to respond. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/2018, I authorized XXXX XXXX to deduct my monthly mortgage payment from my bank account. On XX/XX/18, they deducted two payments from my account causing and overdraft. I contacted them about the error, I was told to provide screen shots of the double payments, which I did. When I advised them that I had non-sufficient fees accessed on my account they stated that they would refund the fees. I sent them screen shots and emails of the total NSF Fees of 58.85. 

Now I am being told that this information is not enough they need copies of my bank statements in order to refund my money. I advised them that they didn't need my bank statements to take money out of my account that they were not authorized to take. I am being given the run around, if they are doing this to me then they are doing it to thousands of others. I want them to return the NSF fees refund the same way the fees were caused and provide documentation to my bank and credit bureaus of their error. The are trying to send me a check in 15 days and then I have to try and get it cashed. This is fraud.