23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX- Just finished a 5 year chapter XXXX to save our home. Upon coming out of the chapter XXXX we did not receive any bills or documentation stating SLS purchased our loan from XXXX XXXX. In XX/XX/XXXX SLS finally stated they were our mortgage company and made us fill out a total of 8 loan modification packets always coming back unfinished. We finally made them send us the previous bills and the month we got out of our chapter XXXX we still owed them the same amount we went into for XXXX. Now they are taking my home and I just want to safe my home and they will no longer speak to me and I also put my attorney on my account to speak for my behalf and they refuse to speak with her. I am in a catch 22 because now they wont speak to either one of us and in my heart there is no way to safe my house. I am desperate to safe my home. Please help. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX. 
XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the XXXX XXXX XXXX XXXX theft. All is being investigated by the FTC I am also keeping the companies listed below informed of your willful noncompliance. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Money transfer, virtual currency, or money service

They already Restore my account After a Day The Banned It again. So Disappointing. Even I didnt do any Action To my account Yet. So Unfair Type of Platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Balance : {$480.00} Account Name : XXXX  XXXX  Account Number : XXXX and XXXX Balance : {$160.00} and {$1100.00} Account Name : XXXX  XXXX Account Number : XXXX Balance : {$120.00} Account Name : XXXX  Account Number : XXXX Balance : {$3400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$550.00} I would like to file a complaint against all three credit bureaus - Equifax, XXXX, and XXXX. I have disputed these five collection accounts since XX/XX/2021 and now that I'm on my fourth letter with the credit bureaus, I am still not getting a resolution from them and the information they are reporting on each item is still inconsistent. 

For one, I have disputed XXXX XXXX XXXX with the credit bureaus and with the collector directly, the first dispute letter I sent to the bureaus was on XX/XX/2021, while it was XX/XX/2021 with the collector. Until now I am still not getting a response from both parties and it is quite frustrating that I have to wait for months and not get any resolution.. I shouldn't have to wait this long to get this resolved. I am trying to get approved for a loan.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX : XXXX  is reporting a status of 60 days late, Experian is reporting no late payments and XXXX  is reporting a status of 60 days late, XXXX : XXXX is reporting a status of 120 days late, Experian is reporting a status of 180 days late, XXXX  is reporting a status of 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian is reporting an opened date of XX/XX/XXXX, XXXX is not reporting this account, XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, Experian and XXXX are reporting opened dates of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account XXXX XXXX XXXX  is not reporting this account, Experian and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, Experian and XXXX are reporting opened dates of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account Number XXXX XXXX is not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX, XXXX XXXX Auto Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, Experian and XXXX  are reporting opened dates of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Of XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX are reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Checking or savings account

On XX/XX/22 i was scammed by thieves pretending to be wells fargo. Using wells fargos phone number because i tried to call it back and it went to wells fargo, they and broke into my business account and transferred out {$23000.00}. i called wells fargo as soon as i figured it out later that night to try and get them to stop the transaction. I was told to call back in the morning first thing. I did that right when they opened and they told me it was too late. They would do an investigation so i have been waiting for 10 days to hear from them. Today i received a letter in the mail saying that there was nothing they could do and the case is closed. Please i need help this will destroy my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX AND XXXX AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH. AS WITNESSED BY THE USPS WORKER WHO WROTE OUT THE STATEMENT THAT HE POSTMARKED, THERE WERE NUMEROUS MEDICAL INSURANCE IDs FOUND IN MY PO BOX AT THE USPS IN XXXX XXXX MI AND I HAVE NEVER RODE IN AN AMBULANCE AND THE CHARGE FOR AMERICOLLECT INC  IS ORIGINALLY FROM XXXX XXXX XXXX XXXX. THIS IS OBVIOUSLY SOMEONE WHO IS USING MY INSURANCE ID CARD AND GAVE A FICTITIOUS SOCIAL SECURITY NUMBER THAT THEY MAY HAVE OBTAINED VIA THE BREACH. I HAVE NEVER RIDDEN IN AN AMBULANCE AND THESE CHARGES WERE NOT INCURRED BY ME NOR DID I RECEIVE ANY SERVICES FROM XXXX XXXX XXXX XXXX. IF I DID, I HAD GOOD INSURANCE THAT WOULD HAVE COVERED MEDICAL TRANSPORT SO THE PERSON WAS OBVIOUSLY NOT ME AS I HAD HEALTH INSURANCE THAT WOULD TAKE CARE OF THE TRANSPORT CHARGES.
Product: Checking or savings account

Neighbors nearby XXXX and another person XXXX XXXX XXXX XXXX with my bank account balance at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and they want to know about how much money I have, did I get my check and did I pay my bills rent have kept the credit card account number and have been talking about this in the back driveway at my apartment. They are up all night long cursing and loud talking about Trying figure out how much money I have and how when I am going to be getting money. I'm the only person who has owned the bank account and no power of attorney nor anyone else is connected to the account. They are constantly violate my personal information and privacy for the past year. I used to go to the gas station to buy things with the credit card and then they didn't give me any receipt for my purchase. On a daily basis and I have been overheard them next door at my apartment discussing the attempted to get the information. They have been doing this since XXXX and I have been stopped buying at the store in approximately XX/XX/XXXX with the credit card. They are XXXX speaking people and XXXX XXXX language working and owner. The neighbors nearby are fluent in XXXX language and XXXX at the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My rent XXXX XXXXXXXX and landlord is XXXX language and has to have any Bank info for me to get the discount from the government of XXXX percent of my monthly income XXXX. I believe that all are involved. The main thing is that no one is supposed to get the information for the bank account. My XXXX sons do not have hold or use the credit card debt to the bank account and neither do I know what they actual account balance is nor try to get the information. I know that it's a very serious state and federal crime to be able to get information for a XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ) dispute letters were already sent to the Credit Bureaus but upon reviewing an updated Credit report I ordered from XXXX, I was taken aback to see that no changes was made at all! I am frustrated by these actions taken by the Credit Bureaus. I was a victim od identity theft and the items I am requesting to be removed were the results of such crimes. I have read enough to understand my rights which is under the protection of the FCRA section 605b. By the Credit Bureaus choice to ignore mt requests and continued reporting of the disputed items without proper verification or authentication is a cleat violation of my rights. I am rsubmitting this complaint to protect my rights and request that the Credit Bureaus remove the disputed items completely from my Credit Report as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00}
Product: Debt collection

I've received collections calls on a debt that I am unaware of, I've received no formal written notification of the debt. A representative, XXXX XXXX, who states his client is Vance and Huffman has contacted me 12 times from XXXX. Contacted family members and former employer to conducted a wage assessment and asking the representative at the former employer if they new me personally. They've stated that I agreed to a 2 payment settlement which is untrue. They offered a 2 payment settlement and a 6 month payment settlement verbally. I advised that I was unaware of the debt that they were speaking about and I'd need to do further research. They ( XXXX XXXX continued the spam calls and calls to outside sources that were not me. I contacted XXXX today ( XX/XX/year> ) to state that they are harassing me over this debt to which XXXX then stated I had agreed to resolve and hung up on me. Then called me back and stated he would advise his " client '' that I had no intention on paying and would pursue legal action and again disconnected the call.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of a recent identity theft incident that has resulted in several fraudulent entries on my credit report. These 3 unauthorized accounts and 5 inquiries were added without my knowledge or consent, and I request their immediate removal to rectify this matter. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX INQUIRIES- XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> An official identity theft report has been filed with the Federal Trade Commission ( FTC ) , and I urge the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 Section 604 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: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Balance XXXX {$420.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX # XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  - XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$140.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX XXXXXXXX Balance : {$910.00} XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Mortgage

Hi- I closed my loan with XXXXXXXX XXXX on XX/XX/XXXX My servicing was transferred to XXXX prior to the first mortgage payment being made and remained being serviced by XXXX through XX/XX/XXXX. The servicing was then transferred to Freedom Mortgage in XX/XX/XXXX. Shortly after Freedom acquired the loan they stated that my flood insurance coverage was insufficient and put forced gap flood insurance in place at a cost to me close to {$1000.00}. The Flood insurance was acceptable with the originating lender, and the Flood insurance meets XXXX flood insurance requirements, yet Freedom states this isn't correct. Apparently, Freedom adds together the XXXX ( walls in ) replacement cost with the Master Flood insurance replacement cost to establish the replacement cost for the unit, which isn't consistent with XXXX requirements for condo coverage resulting in a large cost to me. I have spoken with Freedom numerous times and they remain steadfast. I need to escalate to get some help.
Product: Credit reporting

I have spoken to Equifax numerous times in regards to 3 Hard inquiries conducted by " Equifax Mortgage '' on numerous dates. I have spoken to numerous representatives and faxed a letter from Equifax Mortgage ( see attached ) and they state will look into and remove but still has not removed the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going back and forth with XXXX and Chase trying to ensure that my credit card is being reported correctly. I have had excellent history and had this XXXX since XXXX. I've contacted both agencies 3 times in order to resolve the issue. Each side continues to say its the other 's fault. Chase stated that there is some sort of ID block or fraud, I contacted XXXX and they said they removed a freeze and a lock on my report and to have chase resubmit a reinsertion request which chase has done. I keep going back and forth with these XXXX companies and no one can seem to resolve the issue and I just want it fixed. I believe when I had some identity theft back in XXXX they may have messed something up on XXXX end and filed something incorrectly. They say the XXXX XXXX XXXX can fix this but I'm tired of being on the phone. I've spent over XXXX hours total talking to both of these companies and am Fed up and need a resolution. Thanks!
Product: Debt collection

Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that TD Bank USA has reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this account and request full validation of the alleged debt.

Dispute & Request for Deletion As required by law, you are obligated to report only verified, accurate, and complete information to the credit bureaus. The reported information is incorrect, and if you can not verify its accuracy, it must be removed from my credit report immediately.

Debt Validation Request Under the FDCPA, I am also formally requesting validation of this alleged debt. If you claim this debt is valid, I request that you provide : Proof of your legal authority to collect this debt.

A full account statement with a breakdown of the balance.

Copies of any signed agreements or original contracts proving my liability.

Verification of the chain of ownership if this debt has been sold or transferred.

A copy of any judgment ( if applicable ) authorizing collection.

Orginal contract with wet signature If you are unable to provide the requested validation, you must immediately remove this account from my credit report and cease any further collection efforts.

Cease & Desist Notice Additionally, I am requesting that TD Bank USA cease and desist all communication with me regarding this disputed matter. Any further contact regarding this alleged debt must be done in writing.

I expect a written response within 30 days confirming the results of your investigation. Failure to comply with this request may result in legal action to enforce my rights under the FCRA, FDCPA, and other applicable laws.

Enclosed, I have included : A copy of my credit report highlighting the disputed information.

Any supporting documentation to substantiate my claim.

Please update my records accordingly and provide confirmation in writing once this matter has been resolved. 
Sincerely, XXXX XXXX
Product: Debt collection

My credit card was registered on XX/XX/XXXX so my account possibly could have been opened a few days prior. And when I check my credit report It shows It has been open since XX/XX/XXXX. Also when my credit card was bought from a collection agency the total amount was at {$4300.00} and on the credit report It is showing {$4600.00}.