23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received this letter It doesnt tell me if the sale date of XXXX / XXXX / 2021 Been cancelled or not The letter is shady confusing And since SLS pulled every stunt in the book on me I cant trust SLS not telling straight out loud that the sale date stoped They send this letter not stopping the foreclosure so days before the sale date tell me I am not qualify so they could continue with the foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX  XXXX I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on XXXX, XXXX and Trans Union respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently.

All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several calls to creditor as well as credit bureaus. made dispute with credit reporting agencies including sending letters.agencies are very beligerint and refuse to take action. this is not my account. XXXX  & Experian still have not taken any action. 
XXXX  removed derogatory mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax, XXXX, and XXXX to dispute inaccurate items from my report. I also submitted a FTC report because on both accounts that are reporting there is fraud due to the Equifax Breach.
Product: Bank account or service

I got a message on my phone that someone was added as a wire transfer recipient. I tried to log into my account, but the password had been changed. I was able to sign in with my phone using touch access. I saw that there was someone added as a recipient and money had been wired out of the account. I called the bank and asked them to cancel the transfer. While on the phone with the representative XXXX more transfers came through. The representative had asked if I had called in earlier in the day, because they showed that someone had called in. Someone had stolen my account information and was accessing my account. Even though I called right after and during the time the transfers were posted the bank was not able to stop the transfers and I had to file a claim. Throughout the process I was told that it could take up to 10 days for there to be a resolution and the money returned to me. My claim was filed on XXXX and as of today XXXX the money still has not been returned to me. I have called the bank multiple times and been transferred around every time even though I follow the instructions on what options to push. Every time I call they tell me a different option or who I need to contact. I have spoken with " managers '' or senior specialists multiple times and all but XXXX did not seem to know or understand the bank 's process or how to handle my claim. The last manager I spoke with on XXXX advised that the money would be back into my account by the end of the day ... it was not. I have probably spent between 6 and 8 hours on the phone attempting to get this issues resolved ; always with different answers and nothing ever really being done. While writing this up I am trying to call the bank right now and have been on hold for over 20 minutes. I 've had to hold off on paying certain bills and it has been somewhat of a struggle stretching out the money that I do have that was n't in my bank account.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$22000.00}, XXXX XXXX XXXX  balance {$120.00}, XXXX XXXX balance {$350.00}, XXXX XXXX XXXX balance {$510.00}, XXXX XXXX XXXX balance {$370.00}, XXXX  XXXX XXXX  balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}
Product: Debt collection

Enhanced Recovery Company ( ERC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : The Office of Registered Agent for Enhanced Recovery CompanyXXXX ( ERC ) From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX  are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 
By : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX I tried to login to my TU account to find it was blocked ... .they stated it was because it was cancelled. FIgured out how to finally login and put my credit card info in and my apple card was charged but they refuse to give me the service. When you talk to someone its someone from another country with a thick accent and the phone cuts in and out - when ask to speak with someone in the us they can not - when ask for a supervisor they can not- they can have them call back in about 72 hours. The FTC states that if you ask to speak with someone you can understand they are required to do so... .they are refusing. Taking money and not providing services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry : XXXX XXXX XXXX XXXX Please investigate to ensure there is no fraudulent activity
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these inquiries from XXXX, XXXX, And XXXX, or your agency is violating the Fair Credit Reporting Act block of information section which is 15 USC 1681 c-2, which states these inquiries must be deleted within 4 days of receipt of this identity theft report. 

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, and XXXXXXXX XXXX  XXXX
Product: Debt collection

This dispute is towards collections account : H & R ACCOUNTS INC XXXX I am writing to formally dispute an account that has been reported on my credit report. This account is inaccurate, fraudulent, and continues to negatively impact my credit. Despite my efforts to resolve this issue directly, it remains unresolved. Therefore, I request an immediate investigation and the removal of this account from my credit report, as it does not reflect accurate or lawful information. 



I believe the reporting and handling of this account violates several federal laws, including but not limited to : 1. 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information Financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing the consumer with the required disclosures and the opportunity to opt-out. In this case, there is no record of such disclosures or opt-out options being provided to me. The transfer and sharing of my personal information without consent or proper notification is a direct violation of this statute. 

2. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports Under this statute, consumer reporting agencies may only furnish a consumer report when authorized by written instructions from the consumer to whom it relates. I have not provided written consent or instructions permitting this account to appear on my credit report. As such, its inclusion violates this section.

3. 18 U.S. Code 1028 - Fraud and Related Activity in Connection with Identification Documents The unauthorized use or transfer of my personal identifying information constitutes a form of identity theft. By transferring and reporting this information without lawful authority, the institution responsible is in direct violation of this code.

4. 18 U.S. Code 1028A - Aggravated Identity Theft The improper use of my personal information in connection with this account is a serious offense and demonstrates clear negligence or willful misconduct.

Additionally, I have repeatedly requested that this company provide documentation to verify their ownership of the account, such as the purchase agreement, as well as any signed documents or other proof that this account belongs to me. To date, I have not received any of the requested documentation, which further calls into question the validity of this account.

This collection account is being reported in error and must be removed immediately. I request that your agency conduct a thorough investigation of this matter in compliance with the Fair Credit Reporting Act ( FCRA ) and provide me with a written response regarding your findings. Should this issue remain unresolved, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies.

Thank you for your prompt attention to this urgent matter. Please provide confirmation of receipt of this dispute letter and keep me informed throughout the investigation process. I look forward to your swift resolution. 



Sincerely,
Product: Checking or savings account

I received a 2 debit cards to my home address which I did not sign up for nor open. I have already closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX I XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$900.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX
Product: Mortgage

The lender iMortgage provided false information on my FHA loan ( 5 year ARM ) which was closed last XXXX XXXX. I was told that I would get the balance of the upfront PMI refunded when I do a refi. The upfront PMI was {$7600.00} for 3 years and I would get the remaining balance refunded depending on when the refi is done. That did not happen. 

I was in the process of applying for the refi with a different lender in XXXX this year ( XXXX ) when I decided to check again with iMortgage and they confirmed that I would get the refund. I also asked them if i had to refi into another FHA loan in order to get the refund and they said I did not, it was not a requirement. I of course trusted their knowledge of the loan rules, regulations, programs and whatnot, so I went with a 30 year fixed conventional. Since iMortgage assured me of the upfront PMI refund from HUD, which would have been a little over $ XXXX, I decided to buy down points on the refi. The buy down costed me about $ XXXX. 

After months of not seeing anything from HUD, I asked iMortgage again and they assured me that it was coming soon. It was not until this XXXX XXXX that I XXXX around and found the contact number for HUD and called them. HUD informed me that the refund program had ended on XXXX XXXX, XXXX, and in order to get a refund after that date, it is required that the refi is with another FHA loan. I then emailed iMortgage on XXXX XXXX asking for explanation and what options I may have, but have not received a response since. 

If I had known the upfront PMI is not refundable I would have gone with other options and for sure would have not bought down points on the refi, or even look into refinancing another FHA loan. We have been saving every penny for this house and had budgeted with the refund in mind, so now we are out $ XXXX really hurts. I have all the email conversations with iMortgage regarding the upfront PMI refund saved and ready to provide as proof. 

Please let us know what options we have. Your assistance is greatly appreciated. 

Thank you!
Product: Debt collection

I received a letter on XX/XX/2019 which was dated XX/XX/2019. The mail person saw the letter, put in in the wrong mail box, but at the correct address. Due to this, every person this letter was touched by in USPS and also my neighbor and even visitors inside my home were able to see the address label on the front of the letter, which unlawfully has the collection agency 's name right on the front. This is a very popular collection agency used by many creditors and many people know them by name alone. Also, even if they didn't, they could XXXX the name and then figure put what the letter was about without ever opening it, which is unlawful. 
Even over the phone, there are rules that prevent collectors from disclosing the company 's name unless specifically asked since disclosing such information is unlawful which could hint towards a consumer having a debt with the collection agency. The issue is not about the letter going to the wrong address, it's about their company name being right on the front of the letter with my name on it which is a gives away that fact that I have an account with a collection agency. 
The bill is for {$2600.00}. 
This negligence is a violation of FDCPA and there needs to be consequences for these types of unlawful communications that can disclose the nature of the letter.
Product: Debt collection

This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts listed by the credit reporting agency have violated my rights and privacy. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX XXXX XXXX XXXX -Account XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I the consumer have a right to privacy and confidentiality. Additionally 15 USC 1681 section 602a clearly states that credit reporting agencies shall not report any consumer information that I, the consumer has NOT given express written consent to publish or furnish information about any accounts on my consumer report. Furthermore, the credit reporting agencies continue to add incorrect personal information such as other Social security Numbers, Addresses, phone numbers, and names that are not associated to me, any accounts I own, and/or my consumer report. 

Names not associated with me or any accounts I own. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number not associated with me : XXXX
Product: Payday loan

For the last three months I have been harassed by Portfolio Recovery Associates alleging that I owe a payday loan from XXXX. I have no knowledge, no paperwork, no site information or no loan number of this payday loan they allege in the amount of {$300.00}. Secondly, the statute of limitations has expired in California for them to collect on this " alleged '' debt. I have sent them a cease and desist letter, yet they keep calling my home and my daughter 's cell phone. Apparently the lawsuit executed by CFPB against them has not worked as they are still using false and erroneous information and threat tactics ( they threatened me over the phone with a " warrant '' ) to get money that they can not even prove that I owe. And even if I did owe it, ( I 'm not saying that I did owe it ), the statute of limitations to collect on debts in California is 4 years. We also declared Chapter XXXX bankruptcy in XXXX, which was discharged XXXX/XXXX/XXXX.
Product: Consumer Loan

On XXXX/XXXX/15 went into a XXXX store in XXXX, nv. to make payments on my loans. I asked if they could consolidate XXXX of the XXXX loans I had. I told the clerk numerous to leave the loan for {$110.00} opened because someone else paid on this loan. I was told no problem. I left the store with my new loan, thinking my payments now were {$320.00} a month. return to the store on XXXX/XXXX/15 to make my payment and was told that I owed $ XXXX why and the clerk said they made a mistake and consolidated the wrong to loans XXXX for {$210.00} which I only had XXXX more payments and the {$110.00} which I made it clear to leave open. The clerk said she did not make the mistake and would not correct it. I called the main office and talked to a few different people which none were going XXXX do anything about this. Then the threating and harassing phone calls started. This mistake by there employee puts me in a position that makes it so I can not afford to pay. I would never of opened the new loan knowing that they closed the wrong ones.
Product: Mortgage

I have called Truist 3 times about my mortgage payment. I had no issues with SunTrust. I was set up to have my payment come from savings. Since Truist took over they are hitting my checking account. They charged me an NSF fee. Told me they would take it off my account due to their error, but instead continued to charge me the NSF. Asked them to fix the account so they hit savings. Employees could not figure out how to do it. They hit my checking again. They wont answer the phone. They dont have the ability to accept emails. Employee I did talk to the one time told me I needed to talk to digital support if it hit checking again. So I called that line only to get Life Line wanting to give me a button to wear around your neck. This bank is the worst ever!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents l 've provided to update my correct full name and address. Also, please remove any names that don't match my ID. Please remove any addresses that don't match my current and valid address.