23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally address the inaccurate information you are reporting on my credit report regarding the alleged debt associated with my account. This letter serves as a true bill and a demand for validation of this account under penalty of perjury, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following documentation : A complete accounting for this account. 
A copy of the assignment of purchase from the original creditor. 
A detailed breakdown of every charge, including what was purchased, fees, payments, and interest credited. 
An explanation of how you calculated the amount you claim I owe. 
A full chain of assignments from charge-off to the present. 
Proof that you own the debt, including clear title. 
Evidence of your involvement in the original contract. 
It is essential to note that under FDCPA 809 ( b ), a debt collector is required to validate the debt upon request. A third-party debt collector can not assert an interest in an alleged debt without proper validation. Failure to provide this validation constitutes a violation of my rights under the FDCPA. 

Furthermore, 15 U.S.C. 1681s-2 outlines the responsibilities of furnishers of information to consumer reporting agencies. If you verify inaccurate information with credit bureaus without providing the requested documentation, you may be liable for damages under this statute, including potential penalties for negligent or willful non-compliance. 

If you are unable to provide sufficient proof for the items listed above, you must delete this account from all three credit reports immediately. 

Be advised that I have retained an attorney who specializes in lawsuits against debt collectors, and they will be on standby for further action if necessary. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding how Zelle weakly secures all my online transactions, in light of the CFPB lawsuit. I only use Zelle for all my transactions. However, I have often failed to receive or send money. Zelle either tells me the transaction is lost or cancelled, but that money does not return to my account.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate reporting on my credit file by XXXX XXXX. This account was paid in full on XX/XX/XXXX, as shown in the attached settlement document. However, Aqua Finance incorrectly updated the account in XX/XX/XXXX, making it appear recent. This false reporting is damaging my credit score and misrepresenting my payment history. 

I have attempted to resolve this issue through XXXX, but their online dispute system has been unavailable despite multiple attempts. I am requesting that Aqua Finance and all credit reporting agencies immediately correct the reporting to reflect the actual date of closure and last payment. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and failure to correct this issue is a violation of federal law. I request an urgent review and correction of my file. I expect a written response within the legally required timeframe.
Product: Checking or savings account

1. Received check of {$66000.00} as part of mortgage refinancing. Deposited in bank ATM on XX/XX/2021. ATM kept the check. 

2. Next day ( XX/XX/2021 ) the full amount was credited to account, but then was simultaneously debited from account as " Adjustment to EF ATM Deposit '' - this was NOT a check hold while the check cleared ; this was an ADJUSTMENT to the check amount, changing the check amount XXXX XXXX. Bank did not allow me to view an image of the check on either desktop website or mobile app 4. Called bank phone number. In total ( two calls ) on the phone for over an hour. A representative ultimately told me that there was nothing any of the Customer Support team could do, that adjustments was a separate team that customers could not talk to, that I would " hopefully '' be receiving a copy of the check within 5 business days. 

I had urgent cash needs to pay a separate debt and was relying on the check clearing by the end of the week.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00}.
Product: Mortgage

I recently received a Citizens Escrow Account Disclosure Statement dated XX/XX/XXXX. I have attached a copy of the statement ( page XXXX was intentionally omitted as it is blank ). 

You will notice on page XXXX of the attached Citizens statement showing my escrow activity for XX/XX/XXXX through XX/XX/XXXX, there was NO escrow payment indicated for XXXX, XXXX. While I realize that as of the date the statement was generated ( XX/XX/XXXX ) Citizens had not received any escrow payment for XXXX, it should have been estimated in the same way that the month of XXXX, XXXX was estimated. Citizens has only reflected XXXX months of escrow payments on their statement when there should be XXXX. 

I participate in Citizens ' bi-weekly mortgage payment program and my XXXX bi-weekly XXXX mortgage payments have already been made which Citizens ' online escrow records reflect as of today ( XX/XX/XXXX ) with an escrow balance of {$4300.00}. Once my XXXX payments are made ( which Citizens has appropriately reflected on the escrow statement as an estimate ), my closing escrow balance will be {$5700.00} and NOT the closing balance of {$4300.00} for 2021 Citizens show on their statement. 

This is relevant as Citizens is currently asking me to pay {$2700.00}, the difference between their incorrect XX/XX/XXXX opening estimated escrow balance ( {$4300.00} ) and the required opening escrow balance ( {$7100.00} ) as of the same date. 

To conclude, I believe the amount I owe Citizens at this point is {$1300.00}, the difference between your required balance of {$7100.00} and the correct opening balance of {$5700.00}. 

It should be noted that over the last week I spoke to XXXX different customer service representatives at Citizens ( XXXX of the XXXX was a supervisor and another of the XXXX was in the customer advocacy dept ). They all kept telling me that because the statement was generated on XX/XX/XXXX and no XXXX payment had been received at that point, my payment was listed as {$0.00}. I asked them why XXXX couldnt be estimated like XXXX was estimated and they really had no good answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXccount # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, has XXXX 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
Product: Checking or savings account

On XX/XX/23 I notified Chase bank that my wife passed away on XX/XX/23 and I was there to close her accounts. I provided them with a death certificate and was told I was not a beneficiary on her accounts. As instructed by an attorney, I filed an application of surviving spouse for refusal of letters with the circuit court in my county. It was granted. I submitted that document to Chase bank in person on XX/XX/23. I was told I would be followed up within XXXX. That never happened. I called the bank manager on XX/XX/23 ( XXXX MO ) and was told the matter would be escalated. I was not contacted. I submitted a demand letter to Chase bank on XX/XX/23. I still have not been contacted.
Product: Mortgage

We refinanced our home mortgage about three years ago ; because we were cash-poor at the time, we acquired an FHA mortgage that was later sold to Wells-Fargo. At the time, a MIP payment of about {$200.00} a month was attached. I got that -- we did not have the money needed so we were considered high-risk. Three years later, our balance is around {$190000.00} but our home value is over {$300000.00}. Am I on the hook for MIP still, or is there some process I can follow to have the MIP lifted from the loan so that I could use that portion for a home equity loan payment? 
I just want to make better use of my money.
Product: Checking or savings account

The FBI MUST BE NOTIFIED!! 
AND POLICE DEPARTMENT!! 
M and T bank won't credit account!! 
XXXX. XXXX. XXXX. And XXXX. To landlord. And airline!! And XXXX. To owner!! Was STOLEN. Was under Threat duress and cohorsion. 
XXXXXXXX XXXX XXXXXXXX XXXX Going to court if nothing is done soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a few hard inquiries without my consent.
Product: Credit reporting

I would like to file a REPORT OR CLAIM, with : CHEX SYSTEMS. 
I ask them to tell me WHAT, THE ''LEIN '' was, & for what? They ask me to file ANOTHER FRAUD request. Despite me ASKING them to give me FROM WHOM & WHAT WAS THIS ABOUT ... ( NOT ONCE BUT XXXX NOW ) ; CHEX SYSTEMS DID ''NOT '' TELL ME WHAT THIS IS ABOUT? I do n't know what this is. They gave me a score of XXXX ... & I was DENIED to be added onto my wife 's Savings Account, for ''XXXX '', last month. 
IF THIS WAS ABOUT .... ( THE PARKING FEE FROM : XXXX XXXX, ... .THAT WAS MOVED TO : SMALL CLAIMS COURT ... ( CASE # : XXXX ), THAT WAS FILED BY : XXXX XXXX. XXXX XXXX ... ( XXXX XXXX POLICEMAN ) ... .CFPB ... 
Case number : XXXX ... ... ( BELOW ), RESPONSE FROM : XXXX. 
StatusCompany responded .... ( BLEOW ) : XXXX, XXXX .... ( XXXX, XXXX, XXXX XXXX ) said : Explanation of closureThank you for submitting your complaint on XXXX XXXX, 2015, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate you moved out of country and stayed there for almost 5 years and never used your credit during that time. You further indicate that when you arrived back to the states you tried to get bank loans and were surprised to find out you were being turned down for credit. You are disputing XXXX collection account that is for a cell phone. You state that is inaccurate as you were out of the country at the time the cell phone was purchased. You further state you paid it off anyway because they told you the email address they had was for your daughter. You also indicate there is a judgment on your report for a car that your daughter was using. You state you instructed her to pick the car up and she told you she did. Then you received a call to find out the car was abandoned at the airport. You told them to auction the car and pay off the balance and parking fees. You are requesting that the XXXX disputed items be removed from your report. You also state you have many addresses, names and SSN 's on your report but you did not specify which ones it is that you are disputing. 
The first collection item you mentioned did not appear on your current credit report. At your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. They responded and verified the disputed information was accurate as reported, however the judgment was changed from a civil claim to a " small claim ''. The result summary was sent to you for review on XXXX XXXX, 2015. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review.
Product: Credit card or prepaid card

I applied for a Chase credit card affiliated with United Airlines. I was sent an email at application that stated further review was needed. After 8 days I contacted Chase to inquire about the status. The automated response said it was still in review. I then opted to talk to a representative. The call was answered and I asked status and was told it was denied. I asked why and they wouldn't give me a reason. I stated I believed that there must be some type of mistake that they either had my income wrong or debt wrong, because I know my credit score is in the upper 700 's, I only have one other credit card with a larger limit, but paid in full monthly and a house payment. I know my debt to income ratio is 21 % and I have been in the same line of work for over 20 years. I happen to be a XXXX  XXXX and know there is no business reason that I would be denied, so there had to be an error somewhere in the application process. I said I assumed they were double counting my mortgage as I had recently refinanced and they could easily be double counting. The lady wouldn't respond in any way. I asked to speak to a loan officer or supervisor to try and resolve any possible issue and was asked if I didn't mind being called back and I replied that was fine. She said I would receive a call within the next 90 minutes and verified my phone number. I have never received a call back. I've been a customer of Chase in the past and all my accounts and all were handled as agreed. I've never missed or been late on a payment in my life. I understand if there was an error on my application, but the fact they wouldn't, wont, and haven't allowed me to address the issue, even after repeated attempts is a major problem. It is either a problem or they are discriminating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2021 sent a letter regarding inaccurate 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 a failure to investigate these items within 30days 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, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am assisting XXXX XXXX XXXX with some credit issues. I am a XXXX and XXXX  XXXX with XXXX XXXX XXXX XXXX. We have tried twice to get XXXX XXXX to discuss the account that they have on XXXX XXXX 's XXXX  credit report. They will not speak with us. XXXX XXXX was in the office with me when we called them. They knew that she was in the office and they would not speak with us. She tried speaking with them on her own and they would not speak with her. 

XXXX has this joint account as an individual account. I am enclosing the XXXX credit report showing the original XXXX account that is joint with her then husband, XXXX XXXX. Then you can see where XXXX XXXX has it listed as an individual account with only XXXX XXXX. 

I am enclosing the decree of divorce between XXXX and XXXX XXXX from XXXX stating the XXXX account as joint and XXXX XXXX 's liability not XXXX XXXX 's responsibility. 

I am attaching documents from XXXX County Municipal Court. I pulled up documents under XXXX XXXX 's name as there are no documents under XXXX XXXX 's name. But you can see in the original documentation that XXXX XXXX listed both XXXX XXXX XXXX AND XXXX XXXX XXXX and listed them at their address where they lived together. Somehow in following documents, XXXX XXXX XXXX 's name is taken off the documentation. XXXX XXXX approached her attorney to assist her in this court matter. Her attorney did file some documents on her behalf. XXXX stopped trying to get in touch with XXXX XXXX XXXX. 

When they went to get personal earnings at XXXX XXXX XXXX, XXXX responded " never employed ''. Of course, XXXX XXXX had never worked at XXXX. XXXX XXXX XXXX still works at XXXX. Both XXXX and XXXX XXXX signed for this XXXX loan. XXXX has dropped XXXX XXXX 's name and apparently responsibility for paying the loan back. We have tried to dispute this through XXXX and XXXX XXXX never received documentation back. XXXX still has the loan reported as individual and not joint. 

We have had no success in getting XXXX to speak with XXXX XXXX about this loan. We have had no success in getting XXXX to report the loan as a joint liability. We would, of course, like XXXX to try to garnish XXXX XXXX 's wages at XXXX since he is liable for the debt and he is employed. XXXX XXXX is on XXXX XXXX XXXX and has been since XXXX.
Product: Debt collection

Phoenix Financial SE added this debt while under dispute with XXXX. Through XXXX XXXX XXXX. They are showing a new collector on my report. This is contradicting information 2 debt collectors are attempting to collect the same bill. There must be a law making this matter incorrect, illegal, and fraudulent. I have provided information regarding medical conditions and proof of insurance. This account is being tossed around by collection agencies. I have not received a reply from the previous collection agency and no communications from Phoenix Financial SE. This is causing continuous stress in this matter which is taking effect on my mental and physical health. I have not signed consent and I have contested this inaccurate amount with no feedback thus far.
Product: Credit card

BACK IN XXXX XXXX I SCHEDULED A {$27.00} PAYMENT FOR MY XX/XX/XXXX MACY 'S BILL.I FIRST SCHEDULED THE PAYMENT WITH MY CAPITAL ONE MACY 'S E BILL. THEN I CHANGED MY MIND AND SCHEDULED THE PAYMENT WITH MACY 'S ONLINE BILLING .BUT SOMETHING HAPPEN THAT RESULTED IN MACY 'S STEALING MY XXXX XXXX AND CHARGING {$27.00} LATE FEE AND NEVER PROCESSED MY PAYMENT.NOW FAST FORWARD XXXX XXXX AND EVEN THOUGH A NUMBER LATE FEES HAD BEEN CHARGED 2 MY ACCOUNT AND MACY 'S FAILED 2 ADDRESS MY COMPLAINT WITH CFPB DATED XXXX XXXX XXXX EVEN THOUGH THE ACCOUNT WAS IN DISPUTE MACY 'S IGNORE THE DISPUTE & CONTINUE 2 APPLY LATE FEES EVEN THOUGH I WAS NOT LATE WITH THE PAYMENTS.I BELIEVE MACY 'S FAILED 2 INVESTIGATE THE MISSING PAYMENT BECAUSE THEY EITHER STOLE IT OR LOST IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, only address is XXXX XXXX XXXX, XXXX LaXXXX please remove any other information
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and provide me with the documents with the original signatures proving I opened the accounts.
Product: Vehicle loan or lease

I noticed that someone applied for something in my name that I did not authorize.
Product: Debt collection

I received a call from XXXX stating that I had {$1800.00} debt owed. As my credit score is over XXXX I was sure this was a scam, and when pressed on who I owed this debt to they simply said they would remove me from the call list. This was clearly a fake call and scam attempt. It is scary that these scammers exist and are calling old people in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

To those that will be involved with the review of this situation, I am reaching out to you because the companies listed have failed to respond in the required time frame to my correspondence complaining of their gross failure in reporting information accurately on my report on XX/XX/2020. I am aware that Federal law requires these companies to respond within thirty ( 30 ) days ; at this point it has been ( 118 days ) and they have failed to maintain an open line of communication with me. I am also aware that according to Section 611 ( a ), a failure to investigate these items within 30 days mandates these companies to remove the listed items immediately. Again I would like you to know that it has been over 118 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to this situation making it impossible for me to get approved for a home loan. This has stressed me out significantly and need correction immediately. Please be informed that my information was compromised within the XXXX data breach and this may be the result of this nefarious activity on my reports.
Product: Debt collection

There was a discrepancy on my credit file for a debt balance that was already resolved. I've made several attempts to rectify this with the company through credit disputes but they still have not rectified the situation and continue to claim that I owe {$120.00} as of XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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 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: Mortgage

I am writing and standing in the gap for my mother who is unable to stand up for herself. 

She got her mortgage in XXXX. Someone sold her mortgage to Mr. Cooper and started her payments over with a new mortgage. Someone walked away with {$100000.00}. My mom is having health issues and is unable to make complete payments on a mortgage that we believe is almost fully paid. Please let me know what the next steps are to get justice and see that Mr. Cooper and Nationstar are held accountable for stealing from the elderly. Also, her signature is forged and her name is misspelled on the signature line. 

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

XXXX is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.