23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our new home mortgage was sold by XXXX XXXX XXXX to the Mr. Cooper/XXXX XXXX XXXX, effective XX/XX/XXXX. We made our first payment in the amount of {$4200.00} on XX/XX/XXXX. The funds were posted and allocated correctly. 
The 2nd payment we made posted on XX/XX/XXXX in the amount of {$4200.00}. When we received our statement, we noted that the total amount of the payment was applied to our principal loan amount. No portion was applied to interest or escrow. Also, our escrow balance was reduced by {$1000.00} and additional {$96.00} was taken out for PMI which had already been deducted. 
We contacted Mr. Cooper/Nationstar twice on XX/XX/XXXX to attempt to have our payment of {$4200.00} properly allocated and to determine the status of the missing {$1000.00} and an explanation on why an additional month of PMI {$96.00} was debited. 
The call center persons at Mr. Cooper were unable to explain why they posted our entire payment to principal without our approval. They were also unable to determine why {$1000.00} was taken from out account and where it now has been transferred. Finally, there was no explanation as to why additional PMI was withdrawn. We were told that they would provide us with a response and correct the account within 24 hours. As of today, XX/XX/XXXX, we have had no response from Mr.Cooper/Nationstar and our online account has not been corrected. We are obviously very concerned that the payment on our mortgage was misappropriated as well as there are now funds missing from our escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to inform this company I am a victim of identity theft I have provided this company with a FTC report, police report and their own internal identity theft report and they failed to remove this information from my credit report. They have certified this account but have not shown me any certificate of certification as i requested this company continues to harass me by calling multiple times a day leaving threatening voicemails
Product: Credit reporting or other personal consumer reports

Hello! I am pleased that the XXXX and XXXX have removed all the specified unauthorized inquiries in my credit report! And in regards to the remaining inquiries that the Equifax have not yet removed. I am, once more, kindly asking the bureau to please remove these remaining inquiries that I eagerly want to be removed from my Equifax Credit Report : EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged by XXXX {$240.00} for a hotel reservation for XX/XX/XXXX. On XX/XX/XXXX, I was charged by the XXXX XXXX XXXX XXXX for {$240.00}. When I spoke with someone in the accounting department of that hotel, they said they had not received my payment to XXXX. XXXX has said for almost a month now that they are waiting for their Accounting department to get back to them with more info. As a result of waiting and due to the charge being in XXXX XXXX, I am unable to dispute this with my credit card company. Clearly this was a double charge as I had already paid XXXX far in advance for this hotel room.
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. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX, XXXX, and XXXX to block information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : 1. A student loan account opened at US department of education on XX/XX/XXXX, under account number ( XXXX ). 
2.A student loan account opened at US department of education XXXX XX/XX/XXXX, under account number ( XXXX ). 

These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of these inquiries, along with a copy of the consumer XXXX credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Product: Checking or savings account

Dear Sir or Madam, I have a complaint against Chase Bank for erroneously closing my account and not refunding me the full balance of {$4700.00} on my account as of XX/XX/2023. 
The details are as follows : XX/XX/2023 : I deposited two checks for {$2000.00}, one of which was for rent that I had been depositing for a few months already. Chase informed me the funds would not be available for a few days. 

About week later : I returned to Chase Bank and found that my account had been closed. Chase told me the reason was that the check writer did not pick up the phone and thus they closed my account because the check did not pass verification. 
Chase asked me many questions to verify the identity of the check and I got in contact with my tenant who wrote the check. My tenant texted me his bank statement showing the money going out. This all took place at Chase Bank. Chase Bank told me in this case they will send me a check for my account balance. 

Another week later : I received a check for only {$780.00} out of {$4700.00}. I went back to Chase Bank and cashed the {$780.00}. I asked why I did not receive the remaining {$4000.00}. They said it was mailed out at the same time and should be arriving soon. 

Over the course of the next month and a half I had gone back to Chase Bank to inquire about my missing {$4000.00} check. Each time I was bounced around to different bank employees, bank departments and call centers ; each time they asked what the check was for and who wrote it and for their contact and still could not resolve the situation. 
On my last visit of this sequence, Chase Bank told me that I did not deposit {$4000.00} on XX/XX/2023, but it is very clearly on my bank statement and my tenant 's bank statement with the rent payment going out. 
Over this past month or two, Chase could still not resolve my missing money case. Now on this visit, they want to just deny the deposit ever happened. I was brushed off and all I got was a number to call the same departments that could not help me for the past 5 visits. 

XX/XX/2023 : Chase Bank contacted me and suggested we schedule a meeting at XXXX with the bank manager to resolve the issue. But when the time came they called me to say the manager was too busy, then 30 minutes later I got another call and Chase said to not come in anymore. They even tried to excuse themselves by pinning it on the check writer, saying their bank account and transactions were messy. However that has nothing to with my own account. Again, the check payment had already cleared his account and was deposited into my account, as per our bank statements. Also we are both using Chase Bank for these transactions. 

Every I visited, Chase bank kept asking me the same thing and giving me excuses why they could not send my remaining balance of {$4000.00} as of XX/XX/2023 that just vanished when Chase bank closed my account. 
Sir, Madam, Please help resolve this case and help me recover the money I am rightfully owed from Chase Bank. 

Thank you.
Product: Vehicle loan or lease

Despite reaching out to Exeter Finance LLC multiple times over the coarse of the loan the encounters to compromise on a mutually agreeable payment plan have aroused in a lot of trouble and headache. More specifically, when getting behind on payments, they block their system online and require me to call in to pay the full amount of the past due balance. This is a stressful situation due to being XXXX XXXX and only making a limited amount of funds. After trying to arrange multiple times on countless encounters, I was told that I would have to pay the full past due balance. Because I was unable to pay the full past due balance, they still reported this as late payments to my credit report. This has tremendously affected my wellbeing and stability in a negative way.
Product: Credit reporting or other personal consumer reports

This is one of my numerous 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 records 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 an alleged fraud or extortion. XXXX XXXX XXXX. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to Equifax 's mishandling of my identity theft report and its failure to comply with FCRA Section XXXX. Despite my submission of a XXXX deletion request on XX/XX/2024, through CFPB complaint # XXXX, Equifax has not removed fraudulent accounts from my credit report within the legally mandated XXXX business days. My request included a sworn crime report, proof of identity, and proof of address. Multiple follow-up calls with Equifax supervisors have not resolved this issue. 

Timeline of Events and Relevant Details : XX/XX/2024 : Submitted a XXXX deletion request to Equifax with all required documentation to block fraudulent accounts via CFPB complaint # XXXX. 

XX/XX/2024 : Contacted Equifax to check the status of my request. XXXX XXXX ( XXXX # XXXX ) indicated that the dispute was still under investigation, despite XXXX not requiring creditor verification. 

XX/XX/2024 : XXXX XXXX ( XXXX # XXXX ) reiterated that the dispute was ongoing. I reminded him that FCRA XXXX XXXX mandates no further investigation once an identity theft affidavit is submitted. 

XX/XX/2024 : XXXX XXXX ( XXXX # XXXX ) stated that my XXXX request could not be blocked and that I would need to wait XXXX  days, contradicting the laws XXXX processing requirement. 

XXXX XXXX XXXX XXXX Spoke with multiple Equifax representatives XXXX clarify my request : XXXX, XXXX Department XXXX XXXX ( XXXX # XXXX ) incorrectly opened a regular dispute rather than a XXXX block. 
XXXX XXXX ( XXXX # XXXX ) : Informed me that he could not assist with the fraudulent account issue. 
XXXX XXXX ( XXXX # XXXX ) : Stated that she could not help ( Complaint # XXXX ). 
XXXX XXXX ( XXXX # XXXX ) : Claimed that Equifax employees could not review dispute documents and only the back-office team could handle this task. 
Concerns and Requests : Equifax has repeatedly mishandled my XXXX deletion request, treating it as a standard dispute and ignoring legal requirements to block fraudulent accounts without further investigation. This has resulted in delays that violate my rights under FCRA XXXX and XXXX.
Product: Vehicle loan or lease

I bought out the lease for a XXXX XXXX XXXX in XXXX, XXXX and I have still not been able to get US Bank to release the title to me. I have been to the DMV in my state and they said that US Bank has had the title since XXXX. I have a bill of sale and a copy of the title but no actual title. I have carried insurance on the vehicle to protect my investment but can not drive the car. I call every week and I get no where in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some account have been pay off and credit score never has gone up
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth :XX/XX/XXXXSocial Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I have made multiple attempts to get debt validation from enhanced recovery with no response.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).
Product: Money transfer, virtual currency, or money service

Paypal permanently closed my account for no reason. Paypal does not allow me to transfer my remaining balance because they have limited my access in my account. My email is XXXX XXXX
Product: Debt collection

Date : XX/XX/year> Subject : Request for Debt Validation To Whom It May Concern, I hope this message finds you well. I am writing to formally request validation of a debt that your company has reported and is attempting to collect. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request documentation to verify the legitimacy of this debt. 

Details of the Debt : Date of Origination : XX/XX/year> Amount Claimed : {$190.00} Actions Taken by Your Company : Reporting this debt to credit agencies without prior notification or communication with me. 
To proceed, I kindly ask that you provide the following information : Verification of the debt, including the original amount owed and any additional fees or interest applied.

Proof of ownership of the debt by your company, as well as any documents showing the assignment of the debt to your agency. 

Records of any communications your company has sent to me regarding this debt. 

I expect to receive this information within the timeframe specified by law. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Subject : Dispute of Incorrect Debt Reporting by Credit Control Services Dear CFPB, I am disputing an erroneous debt claim on my credit report by XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, MA XXXX ( Tel : XXXX ). The reported debt to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX ( Tel : XXXX XXXX ), has been fully paid. 

According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and correction of this false reporting. Please provide proof of this debt or remove it from my credit report. 

Kindly confirm in writing once this matter is resolved. 

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

XXXX XXXX XXXX in XXXX and XXXX XXXX in XXXX WA run my credit without my permission with multiple banks while I signed for my credit to be run only with one bank. The sale confirmed that, only bank was going to be used and if I got denied. They will no longer proceed. I found out that, they lied instead run my credit using multiple banks. This is a violation of my rights as a consumer. I wasnt aware of that. I bought 7 cars from other dealership and this never happened before.
Product: Mortgage

XX/XX/2023 : Homeowner died intestate after serious illness. Ex-wife with no rights to property moved in, withheld information on pending foreclosure, damaged the house 's sewer system, dumped the deceased " household possessions outside the house, claimed rights to ownership, barred rightful heirs from coming into the house, moved in tenants and charged rent, illegally sold prescription medication of deceased, misrepresented identity and opened several credit card accounts in the deceased 's name, and refuses to provide all identification, tax records, income statements and real and private property of the deceased. 
XX/XX/2023 : Contacted XXXX XXXX XXXX Nationstar Mortgage, uploaded death certificate, reported hostile adverse possession of property and requested information on bringing the mortgage current while probate process was initiated. 
XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 emailed all documents proving adverse possession and XXXX XXXX rights to cure the delinquencies on the account to bring the mortgage current so that the rightful heirs inherit the property. 
XXXX XXXX representatives all refuse to acknowledge or work with deceased 's heirs to cure the past-due status, because they want to foreclose on the house and profit at the expense of the rightful heirs and in support of the illegal occupant.
Product: Debt collection

Debt was paid in XX/XX/XXXX the month it occurred, but keep getting bills and now from Collection agency. Now saying that I showed proof after the bill was sent to Collection Agency. the bill was paid in XX/XX/XXXX and received a notice from Collection Agency in XX/XX/XXXX.
Product: Student loan

On XX/XX/XXXX I made a payment of {$760.00} to the United States Department Of Education loan provider Great Lakes. Which was posted XX/XX/XXXX. The reasoning of this complaint is do to the fact that I currently have reviewed my credit report for XX/XX/XXXX. Understanding the credit report is inaccurate stating I owe a stagnant debt of {$760.00} to the Department Of Education for a federal loan. Do to the provider of Great Lakes company incompetency and failure to report my payment to the credit bureau agencies .I have a bank statement providing the evidence of my complaint and asking may this problem be rectified please. 

Great lakes contact number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX .... reported to the XXXX  that I applied for credit in which I never applied for. They have violated my rights to have a fair and accurate information on my credit report.
Product: Debt collection

I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX demanding payment of a debt. I responded in writing requesting this company validate the debt on XXXX XXXX, XXXX. Thirty days went by and there was no response then after an additional 14 days I received a letter on or about XXXX XXXX basically ignoring my request and repeatedly attempting to collect a debt. I have been under tremendous stress and mental drain dealing with the aftermath of Hurricane Harvey and the widespread tactics of scammers preying upon vulnerable people. So I again write another letter to XXXX on XXXX XXXX, XXXX asking them to provide the following information : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Any other legal action by you or any creditor regarding this account Complete transaction history from inception of the account Correspondence address of alleged creditor. 
Prove the Statute of Limitations has not expired on this account Provide copy of your license to collect in my state Provide your license numbers and Registered Agent or Agent of Service The company ignored my request and instead sent another robot letter on XXXX XXXX, XXXX demanding payment on an unverified and unvalidated debt. These letters are causing me continued stress and strife in my already fragile life as I struggle with a XXXX XXXX and on the brink of taking long term XXXX. I believe my rights under the Fair Debt Collection Practices Act are being violated. I have the right to request validation of the debt this company alleges I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I 'm not sure why any reputable company is unable or unwilling to comply with this simple request. 

I am not sure why XXXX is refusing provide any of the information I requested above on the alleged {$740.00} debt it is attempting to collect so I am requesting the assistance of XXXX to help with this matter. Thank you.
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. 
XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX in 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: Debt collection

Sequium Asset Solutions , LLC sent me a debt collection letter I sent a dispute and asked for verification, which they have not provided. They continue to call ( sometime multiple times per day ). They claim they never got the request for verification but I sent it certified and the post office delivered it on XX/XX/2020.