23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Its been over 8 days since I have received verification which started this week. There was no requirement to get verification to upload documents when I tried to log into account before. 

This is the first time I tried to login into my account. It states verification code will be text to cell phone. 

Numerous instants I tried it was fertile and I received no verification. I called and spoke to the staff person who stated she transferred the call to loss mitigation. However, call was not transferred but phone was disconnected. 

SLS did not send verification and was not a prior requirement. This is and only purpose is to not accept requested documents for loan medication. Then afterwords foreclose the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit reporting bureaus numerous times about this issue. I have also filed a complaint with you about this before. As of this date this has NOT been resolved. I have letters from XXXX and Experian both that as of XXXX-2017 they have once again placed a FRAUD ALERT on my credit report. I am also still having problems with XXXXbout this same issue of placing FRAUD ALERTS on my credit report. I have NEVER and I repeat NEVER requested these FRAUD ALERTS be placed on my credit report. I have contacted all three XXXX, Experian and XXXX and constantly requested that they remove these FRAUD ALERTS from my credit report. I have had NUMEROUS conversations with them and been assured they would remove the FRAUD ALERT but THEY ALWAYS place another FRAUD ALERT on my credit file without my requesting that it be done. 

I am about ready to contact an Attorney as well as the Better Business Bureau to file a lawsuit and a complaint against each and everyone of them. 

I want these UNREQUESTED FRAUD ALERTS TO BE PERMANENTLY REMOVED FROM MY CREDIT FILE. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX. PLEASE UPDATE MY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out an installment loan with cash express LLC in XXXX TN XXXX/XXXX XXXX in XXXX. I requested to stop ach withdrawal verbally and or by email to get confirmation and immediate processing of ach withdrawal request..I was told instead that I would have to mail in request instead of verbally informing them to stop all ach withdrawal or by email. Dont understand how I would get confirmation that they even receive correspondence. I realized that It is a barrier of a way for them to make it difficult and prolong ach withdrawal stoppage in order to continuing debiting bank account even after verbally told not to..I also asked for a payment plan besides the one already in place to pay {$170.00}. I called told them my financial situation, They refused to stop ach withdrawal and they refused payment agreement/ ext. this company is terrible, especially in the times we are all in. I borrowed {$750.00} it is a very high interest loan, they have signs in store threatening wage garnishment, legal action, etc ....
Product: Credit card or prepaid card

When I go online to see my recent CITI CARD statement ( at their website ) I get this message : " We couldnt find any recent statements for this account. You wont see statements for periods when there wasnt any account activity. '' This in spite of the fact that I received this email from CITI : " Your statement is available online - make or schedule your payment now. '' Customer service both online & by phone has been no help in resolving issue. I'm still unable to review my statement and yet they expect me to pay my bill without checking the charges first.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Checking or savings account

Hi my name is XXXX XXXX XXXX i live in XXXX ca i have an account with bank of america and it been a night mare from day one that i foumd out i have an account with them okay back in XXXX of 2020 i ooen my XXXX clam they send me a card thew the mail so i was waiting from my card well i call XXXX a lot of time ti check the status of my catd all they woukd tell me me was it on it why well for some resion in XXXX of XXXX they tell me o you can call bof a to check on your card so i do they tell me i need to go into bank to verify my id so i do well. XX/XX/XXXX this night mare started i go into bank they tell me some one is using my card they sent me in the mail i ask what card iam still waiting for it they tokd me no you got it back in XXXX i said you thin i would be here in the bamk tryinhbti get my card if i had it aready so they tolf me okay eell we can XXXX that card issue you a new card and issue you a XXXX right now untik you get yur new card you will be avealble to access your money i did not have a choce so i did wjay ghey told me i also udated my info i tje bank well they sent my new card to the same addrsss luckly i fowered my mail from thre i git my card because of my mail being fowarded to my address well i get my card i try to accivate it now my accunt closed my clam closed and my card frozen this happen two days aftrr i put my clam in so now i have to out a reqest in to reopen my account takes 2 mounths then i have to put in a reqest for them to reopen myclam have to investagat it can take 45 days but they closed my ckam 2 days after againg and tge same thing over amd over and over and over need help because i dont think there taking this seruse this is my money i am goung trew hard ship and this is aking it a lot more dificult then it needed to ne
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized :
Product: Credit card or prepaid card

I paid for a year-long service of mentorship specified for the real estate industry from the company " XXXX XXXXXXXX XXXX XXXX  '' on XX/XX/2021. I asked XXXX XXXX XXXX XXXX for a refund as the service was misleading, but received no response regarding a resolution. I tried to dispute this with Wells Fargo on XX/XX/2021, and submitted documentation stating that payment was for a year-long service and that I canceled before receiving any service as I felt misled by the company. Wells Fargo responded on XX/XX/2021, stating that the company sent them a document stating that it was a one-time fee, despite me sending documentation showing otherwise. Wells Fargo said that it would take them a month to send me the other side 's documents, as I requested to see the false documentation, but I never received anything. Wells Fargo said that it was XXXX who did the investigation, but XXXX never communicated with me. I am still out of the money, nobody has sent me anything to prove their false claim, and nobody has rectified this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the fair credit reporting act XXXX XXXX XXXX  deleted my one acct and I am still paying on the acct with account number XXXX. XXXX XXXX with XXXX XXXX and she stated the one account is deleted and paid off. the second acct is with XXXX  and ends with XXXX XXXX and I already made payments for it. But the other XXXX XXXX needs to come off the credit reports all three. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. Thanks XXXX XXXX
Product: Debt collection

Recieved several calls from American Mediation regarding a file number and account in my husband 's name. They called him, me, and his ex-wife. I called them back and spoke with a representative named  XXXX   XXXX  at  XXXX . He told me that my husband had and  XXXX  mastercard that was opened in  XX/XX/XXXX  in  XXXX  County that he was active with and making payments on until  XXXX  of  XXXX  but then had an outstanding balance left of  XXXX . He gave me his social security number and his former addresses, including one that would be accurate at that time. Figuring it was a legitimate debt I agreed to pay it, he emailed me a contract and I signed that electronically and then gave him information to make the payment. I then contacted my husband to follow up. He never had a credit card at that time, it was not his debt. He also checked his credit report to verify that this charge was not on it. I called  XXXX  back and told him that it was not a valid debt and that they were not allowed to collect those funds. He was able to list everything on my husbands credit report and claimed that that the account he told me about was the same as the account listed there, however I paid that account in full a couple months ago, and the amounts and dates did not match up. He told me that i was committing a breach of contract, that he has me on a recorded line agreeing to pay the amount, and that they would file ligation against us to collect the amount and more because of that breach of contract. He back pedaled and tried to claim that if i provided him with the paid in full information they would just clear the debt, when i told him that the account on the report is not the one he is claiming to collect on he said that there is just a discrepancy in the amount, he also said that they pulled the charge off the credit report to pursue it. So not only was there just a discrepancy in the amount, but it was not really even there. He called me idiotic, rude and argumentative, and consistently contradicted himself. I explained that we would not be paying that amount, contacted my back to ensure that no charge would be approved by them and informed him that I would be reporting them for fraud.
Product: Mortgage

On or around XX/XX/XXXXof this year, I received a letter from Select Portfolio Servicing stating that my escrow account had a shortage of {$7000.00}. Reviewing the letter I realized that my Enhanced Star and  Senior Exemption had not been applied. 

I called my SPS to inquire why my exemptions had not been applied to my taxes, and I was told, that they had no knowledge that I had any tax exemptions. I stated to the representative that I had received the Enhanced Star and Senior Exemptions for the prior tax year XX/XX/XXXX-XX/XX/XXXX and there was no problem having it applied and what was the issue with applying it this tax year. 

I faxed paper work on XX/XX/XXXX, to back up my claim that the shortage was incorrect and that between the escrow balance and my state tax exemptions there was more than enough to cover my property/school tax bill. I called in the middle of XXXX to to verify that they had reviewed the documentation I sent and made the correction to my account. I was told it was received and they were working on it. 

I followed up again in early XXXX and was told that it was being worked on, but when the representative looked in the computer, the documentation I faxed had not been forwarded to the tax and escrow department. The representative advised that she's forward it to the tax and escrow dept, but it probably wouldn't be reviewed until XXXX because that was when my school taxes would go in. 

XXXX has come and gone and I have not received a statement for SPS for my school taxes and each and every time I call, which is roughly weekly, I'm being told they are working on it. I receive a school tax bill and receipt every year in XXXX, this year nothing. 

The enclosed are proof of my enhanced Star and Senior exemptions for XXXX and XXXX. I also included receipts from prior years where my state tax exemptions were applied with no issues. My prior years taxes paid and no shortage. My town assessor 's office sent me a letter to inform me that SPS had called their office and they provided me the same information she gave them. They also told me like last tax year, there is more than enough to cover my tax bill for this tax year, and I will get an overage check just I did last year. 

My mortgage servicer is not being hoenst and they are not doing ethical business.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX, XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX and XXXX XXXX
Product: Credit card

The state of my credit report is profoundly concerning, and my dissatisfaction is comprehensive. It is not just highly embarrassing ; it is evident that either you or the company bears responsibility for reporting this inaccurate information.I AM NEVER LATE IN THIS ACCOUNTS
Product: Checking or savings account

ON OR AROUND XX/XX/XXXX I RECEIVED A SETTLEMENT CHECK WHERE I LOST MY YOUNGEST CHILD DUE TO AN ACCIDENT. THAT CHECK WAS STOLEN FROM ME AND DEPOSITED INTO A CHASE BANK ACCOUNT THAT I DID NOT OPEN NOR AUTHORIZE TO BE OPEND BY ANYONE. I HAVE GONE BACK AND FOURTH WITH CHASE BANK FOR YEARS NOW TRYING TO RECOVER MY FUNDS WITH NO LUCK, I HAVE PROVIDED PROOF THAT I WAS NOT THE PERSON WHO OPENEND THE ACCOUNT, I NEVER HAD ACCESS TO THIS ACCOUNT FINALLY XX/XX/XXXX CHASE TOOK MY CASE AND OPENED AN INVESTIGATION TO DETERMINE IF I DID OR DID NOT OPEN THE ACCOUNT THEY SAID I WOULD RECIEVE A LETTER IN 15 BUSSINESS DAYS WITH THE DETERMINATION. I DID AND CHASE BANK IDENITY DEPARTMENT CONFIRMED THAT I DID NOT OPEN THIS ACCOUNT SO THEY WERE GOING TO NOITFY THE FRAUD DEPARTMENT SO THEY COULD RETURN THE FUNDS FROM THE SETTLEMENT CHECK THAT WAS DEPOSITED INTO THIS FRAUD ACCOUNT TO THE ISSUING CHECK DRAWER WHICH WAS XXXX XXXX I HAVE CONTACTED THE FRAUD DEPT, IDENITY DEPT AND CLAIMS DEPARTMENT NOW THEY ARE TELLING ME THEY CAN NOT RETURN THE FUNDS BECAUSE IT'S BEEN OVER 2 YEARS AND I EXPLAINED THAT WAS NOT MY PROBLEM NOR DID I KNOW THERE WAS A TIME FRAME AS I WAS NOT THE ONE THAT OPENED THIS ACCOUNT TO KNOW THIER AGGREEMENT/POLICIES, REGIONS BANK REQUESTED THE FUNDS BACK AND CHASE BANK REFUSED THIS IS NOT RIGHT AND ILLEGAL AS I HAVE BEEN A VICTIM OF IDENITY THEFT AND CHASE BANK CONFIRMED THIS I AM ASKING CHASE BANK TO PLEASE DO THE RIGHT THING AND RETURN MY FUNDS FROM MY SETTLEMENT CHECK THAT WAS STOLEN SO I CAN LET MY SON REST IN PEACE AND PUT ALL THIS BEHIND US. I HAVE THE LETTER CONFIRMING FROM CHASE BANK THAT THEY CONFIRMED I DID NOT OPEN THE ACCOUNT SO WHY ARE THEY NOT WANTING TO RETURN MY FUNDS? I HAVE ATTACHED A COPY OF THE LETTER FROM CHASE BANK
Product: Credit card or prepaid card

I was affected from Covid 19 pandemic. My XXXX  was temporarily closed. I am facing on financial hardship and depending on unemployment benefit. I have asked the Wells Fargo Bank to defer my credit card payment to XX/XX/2021. I am waiting for California Relief Grant to take care of it but the Wells Fargo Bank management ignored my inquires many times. See attached file.
Product: Debt collection

In accordance with 15 USC 1692b ( 2 ) Fair Collections & Outsourcing has violated my rights by sending me a letter stating in the context this is an attempt to collect a debt this considered a violation. For this violation 15 USC 1692k states any actual damages sustained by the consumer. I have suffered financial and psychological damages from this company violating me.

In accordance with 15 USC 1692b ( 5 ) Fair Collections & Outsourcing has violated my rights by sending me a letter with a symbol within the context indicated there in the business of collecting a debt. This considered a violation. 15 USC 1692k States any actual damage or {$1000.00} dollars fine.

In accordance with 15 USC 1692jFair Collections & Outsourcing has violated my rights by furnishing deceptive forms attempting or collect an alleged debt. This company has not validated this debt. Fair Collections did not sent the proper documents to validate this alleged debt. I asked this company to send the method of verification also my wet ink signature.

P.S. This Collections is NOT Licensed to collect any debt in Washington XXXX DC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual data sheet attached. CFPB XXXX : XXXX Re : XXXX XXXX attached the factual sheet : XXXX XXXX XXXX XXXX XXXX, Trans union XXXX and XXXX Full XXXX XXXX Last XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer XXXX Spouse Name XXXX Spouse Social Security # XXXX  Credit Report Dispute / Account XXXX XXXX Section Company Name : XXXX XXXX  Account XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX  Was never late XXXX XXXX XXXX XXXXAccount paid in full XXXX XXXX XXXX Current status incorrect XXXX XXXX  other XXXX XXXX XXXX  Dispute Explanation : This account was paid in full Company Name : Company Name : XXXX XXXX XXXX XXXX  Current status incorrect XXXX XXXX  other XXXX XXXX XXXX  Dispute Explanation : Company Name : XXXX XXXX XXXX XXXX  accounts : XXXX XXXX XXXX XXXX XXXX number for courthouse records only XXXX XXXX  Not Mine ( explain ) XXXX XXXX XXXX Satisfied XXXX XXXX XXXX  Released XXXX XXXX XXXX XXXXDismissed -- -- -- XXXX -- -- -Collection was paid -- -- -Other ( explain ) I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XX/XX/2022 Transunion P. O Box XXXX XXXX, PA XXXX. Telephone XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX
Product: Debt collection

The calls began in early XXXX. I was contacted for a medical debt for a 2 years old date of service. I did not know of any debt ; I called my insurance company, and they confirmed that the bill for a visit was paid. However, upon further investigation, I found that I was billed separately by the Dr. of the visit. Each time Affiliate assets solutions contacted, to collect the owed debt, they never discussed whom I owed until I asked. I requested a written statement but was denied as they have attempted to send me mail in the past. However, that is not true, and I have yet to see a written letter from this group. XX/XX/XXXX, I was contacted by this group and asked for more information, but they refused to give any further information. Today ( XX/XX/2020, at XXXX ), I contacted affiliate asset solutions ; they were rude and continued to harass me for a payment that I do not understand. I asked if they had any information about the group that is trying to collect, and how I could get in contact with that group was told no. Again, my loved ones and I have received repeated phone calls, dealt with rude and standoffish behavior. I did not receive enough information to verify the debt ( what this debt was for, the location and who was the Dr. ),  dispute me asking for a written statement affiliate asset solutions did not give me a notice of right to dispute. They did not have any information for my insurance company to contact them and pay for this bill, but my insurance was able to go around and fix the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS NOT ACCESSIBLE FOR MY XXXX  XXXX. I am a XXXX yr old Target by Profile XXXX  Vicitim of Ideninity Theft case XXXX. FINANCIAL INSTITUTIONS ARE ESSENTIAL. See attatched XX/XX/XXXX XXXX   CINFIRMATION XXXX. ADA COMPLIANCE Accessible Design, states ALL electronic & technology ( websites ) MUST be accessible to people with disabilities. VCAG 2.1 ADA COMPLIANCE. XXXX  PROVIDES NO ACCESS. ALSO I AM VICTIM TO XXXX  BREACH XXXX.