23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The fraudulent loans that I have been reported to the companies, but they dont want to believe me and treated me like harassment on the phone. For example, the refinance loan documents that had me working as a manicure technician in the employer section. I tried to tell the company that I never worked there and I worked for a different company during that time, but the company still accused me that maybe I worked first and then go to my own company. 
I attached all the documents that were from fraud activities.
Product: Debt collection

My identity was stolen on XXXX. One of the resulting charges was for a XXXX XXXX not even in my state. I filed, contacted each company and worked all this out. Now XX/XX/XXXX XXXX is calling telling me I owe this debit and they've been hired to collect it. They, a woman named XXXX, said I owed {$2400.00} to XXXX XXXX from XXXX. I explained to her exactly what happened and she said " these people have your name, DOB, and social. " I will email the form needed to file fraud charges. '' They have continued to call via recording left on my voice mail that they are trying to collect a debit. I have contacted the company XXXX, XXXX XXXX, who says I've never had an account with them and I'm not in their system, and the XXXX XXXX Sheriff 's department to file again. I have called XXXX multiple times never returned my calls or sent me an email or letter in the mail. This makes me feel that certain someone is using my identification fraudulently but has started again since recently my bank acct was recently hacked and this is all connected to XXXX XXXX XXXX. I asked for a cease and disisst for calling me and informed of XXXX Complaint, contacting you, put me on your do not call list, and I've filled the police report I believe these are connected and pray for relief. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for Accounting and Statement of Account under UCC 9-210 & NOTICE OF VALIDATION I hereby submit this letter as a formal request pursuant to the Uniform Commercial Code, Section 9-210, regarding my account with you.

In accordance with UCC 9-210 ( a ) ( 2 ) and ( 4 ), this letter serves as : A Request for an Accounting of the unpaid obligations secured by the collateral involved in the aforementioned transaction.

I am seeking an authenticated record that provides a detailed accounting of all unpaid obligations to date.

A Request Regarding a Statement of Account indicating the aggregate amount of unpaid obligations secured by the collateral that I believe to be accurate. I am requesting that you approve or correct this statement and provide a detailed explanation of any discrepancies. For clarity and the purposes of identification, the transaction or relationship in question involves Account number Pursuant to UCC 9-210 ( b ), I understand that you are required to comply with this request within 14 days of receipt by authenticating and sending the requested accounting and statement of account. Please ensure that your response is detailed, including all relevant information pertaining to the unpaid obligations, the list of collateral, and any corrections to the statement of account I have provided.

Should there be no interest claimed on the obligations or the collateral at this time, as outlined in subsections ( d ) and ( e ) of UCC 9-210, I request an authenticated record disclaiming any interest, along with the name and mailing address of any assignee or successor to your interest.

I am aware that, as per UCC 9-210 ( f ), I am entitled to one response to this request without charge during any six-month period. Please inform me in advance if there are any charges for additional requests. 
I look forward to your timely compliance with this request. Please send the requested information and any corresponding documentation to the mailing address listed above
Product: Credit reporting or other personal consumer reports

I am writing regarding late payment report on my account that are inaccurate. i respectfully request an investigation into this matter and removal of late payment from my credit report, as i believe it may be inaccurate or unfairly reported.
Product: Bank account or service

In XXXX XXXX, I was expecting a check from XXXX XXXX as settlement for my XXXX tax refund. Unfortunately, On XXXX XXXX, XXXX, my check cashed using a forged endorsement. The XXXX of the person who cashed it had been written on the check. After consulting with a detective in the XXXX Police Dept, I learned that the XXXX belonged to someone with the same name as mine, who lives in my neighborhood. After contacting XXXX XXXX headquarters, I was informed that i would not be issued another check, even though i did not benefit from the check, nor did was i aware of it being cashed. Also, I was incarcerated in the XXXX XXXX XXXX on the day the check was cashed. XXXX XXXX of XXXX XXXX provided me with a copy of the cashed check. Next, i contacted Silicon Valley Bank ( SVB ), which is the bank printed on the copy of the check, and informed them that i wanted to file an " affidavitt of forged endorsement ''. SVB would not provide me with their affidavitt, but forwarded it to XXXX XXXX, to be forwarded to me. However, XXXX XXXX denies receiving such email, and has since ignored my emails.
Product: Checking or savings account

On Sunday XX/XX/XXXX I went to a restaurant where the waitress accidentally charged me {$320.00} instead of {$32.00}. She immediately fixed the charge so it off of their invoices. I confirmed with the owner of XXXX that they would not be collecting the erroneous funds ; he even offered to have his credit card company confirm it as well. The owner of the restaurant can be reached at XXXX. 
As of XX/XX/XXXX the funds have not been released from our bank Truist. In the previous days I have -asked to have the pending charge to be reversed. They could not. 
-asked for a credit in mean time to cover overdraft as they have done this for me when I double paid a bill in the past. They would not. 
-in the investigation Ive discovered that once I balanced my checking account by hand there was a missing {$160.00} and no holds or pending charges to explain where it was. I assumed I was wrong but the following business day the missing {$160.00} came back into my addling confirming mismanagement of my funds by the institution. My bank has made no comment on this either. 

I have spoken to Branch Manager XXXX at XXXX XXXX XXXX XXXX XXXX texas where I was treated very poorly. At the time my account was overdrawn and he was obtuse, arrogant and in his own words told me he would not help me when I requested a credit as a final compromise. The credit to fund gas so that my husband could go to work this week. 
I reached out to his boss XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX : XXXX where his only communication to me was that he was passing me off to XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX and XXXX XXXX. XXXX advised she would speak to me the following day and I never once heard back from her. Ive never heard from XXXX XXXX. 
Ive still not gotten any help. Ive been ignored and gaslit. 
This pending charge is well over 96 hours old, Ive called countless times and emailed countless times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  account # XXXX reported an inaccurate 30 day late payment on my account. This account is in good standing and the balance has been paid down tremendously. This Late payment is hindering me from getting credit approvals
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several innaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bereaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account : XXXX XXXX XXXX XXXX Thank you,
Product: Debt collection

I have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX  Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent you guys a response and said to remove this inquiry from my report but transunion still has it there it should have been removed back in XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$23000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I hope all is well with the person whom is reading this. 
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXX XXXXXXXX in the amount of {$3600.00}, XXXX XXXX XXXX in n the amount of {$520.00} and XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$18000.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently sent a letter to cfpb showing that navient who took over my account from   XXXX   XXXX   has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to  both  XXXX ,  the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for  XXXX  dollars with s  XXXX   XXXX   and have been making payments over the years ( sometimes more than the minimum ) and currently owe   XXXX  dollars.
Product: Credit card

Hi I received an XXXX Credit Card from Chase of {$7000.00} limit on XXXX XXXX, 2016. The problem is that this was unsolicited and I never applied for this card. My wife had also received a similar XXXX Credit Card a few weeks before. I have already intimated Chase - and asked for the card to be cancelled. I 'm more worried about the remarks on my Credit Report with a hard check on my credit. 

I feel that this is similar to the XXXX XXXX case of cross-sell.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian it is your duty to ensure that all information reported is consistent and most importantly accurate and complete and you have failed to do so. I have made several disputes on XXXX XXXXXXXX XXXX XXXX XXXXXXXX, please delete erroneous immediately. A proper reinvestigation was not completed or you would see all the inaccurate and incomplete information on my consumer report. Here are a list of inaccurate and missing information I found. 
1. XX/XX/XXXX I was not XXXX days late see bank statement. 
2. XXXX XXXX not XXXX  days late but actual amount paid section has {$240.00} paid. 
3. XXXX I was not XXXX days late because I paid in the actual amount paid section. 
4. XX/XX/XXXX has ok but missing actual amount paid section. 
5. XX/XX/XXXX has ok but missing actual amount paid section. 
6. Missing information in the payment history data XXXX XXXX XXXXXX/XX/XXXX and missing information : Amount balance, Date payment received, scheduled payment amount, actual amount paid. 
7. XXXX XXXX  XXXX XXXX information : Amount balance, Date payment received, scheduled payment amount, actual amount paid.
Product: Credit card or prepaid card

XXXX Chase credit card sent me a credit card without me requesting the card. 
They began to charge the card for XXXX XXXX membership. They charge me twice {$13.00} in XX/XX/2818 & XX/XX/2018. I called them about 2 weeks ago to complaint, I was connected to some one working in XXXX XXXX. I told the person that I never signed up a membership with XXXX XXXX and to returned the credit back to me. I also told him to cancel the credit card that I never requested. 
I was able to log in today to the credit card ending in # XXXX, apparently they are continuing to charge me for the same charges. 
I do not want to have a credit card with XXXX. I will contact them again to end my relationship with XXXX XXXX. 

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

i am listing XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. i had a call with the company and the reporting agency advised me to file an identity theft report for deletion. i am requesting Transunion to mark these inquiries fraudulent and remove from Credit Report.
Product: Credit reporting or other personal consumer reports

Incorrect address reporting ( non mailable address ) Please update to : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Mortgage

I am filing a complaint against mortgage broker XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX accepted a deposit for an interest rate lock commitment without securing it with a reputable financial institution as advertised. Ultimately, I did not receive the advertised rate or terms, nor did I receive my money back at closing. 
Despite my initial hesitancy, XXXX reassured me that the company XXXX XXXX was the investor providing my loan and that I would receive my deposit back at closing. On XX/XX/XXXX, I signed a rate lock agreement and wired him {$3100.00} for a nine-month rate lock at 5.24 % ( expiring XX/XX/XXXX ). I sent him a loan application the next day. However, I did not receive the TILA required Loan Estimate within three business days. 
In fact, I did not receive a Loan Estimate until six months later, on XX/XX/XXXX. The first Loan Estimate document from United Wholesale Mortgage did not reflect the loan product or the terms of the loan we agreed upon months earlier.

Upon receipt of these documents, I communicated concerns about incorrect terms, missing information and my missing rate lock credit, which were ignored. XXXX later claimed the deposit was used to pay discounts points for a lower rate. The final Closing Disclosure on XX/XX/XXXX failed to show points paid and instead added a {$3300.00} fee noted as a " Transaction Coordinator Fee '', questionably, that was very close to the amount of my refundable rate lock deposit. XXXX repeatedly changed the explanation of where the deposit money was applied. In his latest email on XX/XX/XXXX, he called the deposit a fee for real estate services, a clear departure from the original intent. 
As a result of XXXX 's negligence, I was denied the advantage of a rate lock in a rapidly rising interest rate environment. Two weeks before my closing date, I was forced to seek a new lender and to close at a much higher interest rate, which caused me significant financial harm. 
To date, XXXX has failed to account for my rate lock funds and refused to provide a full refund for a rate lock that was never secured. He misrepresented a company called XXXX XXXX as an institution that would be providing my loan. On XX/XX/XXXX, an approval document sent to my builder shows his home address as the company address, a change from the previous letterhead. 
XXXX was dishonest in his communications, breaching contract and failing to provide legally required loan documentation. He violated regulations designed to protect consumers in North Carolina. Although he is a sponsored broker of XXXX XXXX XXXX XXXX, the owner, XXXX XXXX, has denied responsibility or liability for his actions. 
I am writing to bring this misconduct to your attention and seeking a full refund of my rate lock deposit of {$3100.00}. All claims made in this complaint can be substantiated with written evidence. Any sensitive information was redacted.