23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, Sincerely, XXXX XXXX
Product: Checking or savings account

Please refer previous complaint ID : XXXX for more details. 
This is regarding my money being stolen from Bank of America online ( via BILL PAYMENT ). 
this is reference ( XXXX ) to BOFA company asked here is information : XX/XX/XXXX : XXXX XXXX XXXX from BOFA ) Resolution Specialist called/emailed me and requested provide a letter from your cellphone provider on their letterhead confirming you did not perform the transaction XX/XX/XXXX : I called cell phone provider : XXXX XXXX customer service ( XXXX XXXX XXXX - XXXX ( XXXX ) XXXX ) and requested Letterhead with all the details which you mentioned, Agent checked with their Legal team and response was " XXXX XXXX XXXX is prepaid service so can not provide legally on letterhead '', their suggestion is : I can logged in XXXX XXXX XXXX website and print transactions and provide to you '' OR You/BOFA can contact them directly ( XXXX XXXX XXXX - XXXX ( XXXX ) XXXX ) so that they can confirm/provide XXXX XXXX did not perform the any fraudulent transactions and details. 

XX/XX/XXXX : Sent details and XXXX trasactions copy to BOFA Enterprise Resolution department. 

Please do reconsider the claim, as you know 1. On XX/XX/XXXX When I noticed two pending transactions trying to post against my account. I contacted the bank immediately 2. XXXX went to XXXX XXXX md police satiation and filed a case related to the same thing ( XX/XX/XXXX, you/BOFA received a police report as supporting documentation ) 3. Filed complaint : FBI-IC3 4. The Two payments were stolen from my account thru BILL PAYMENT without my approval ( took below details from my BOFA online BillPay activity history ) XXXX XXXX XXXX BILL PAYMENT debit XXXX ( last 4 digits of fraud 's account : XXXX - Confirmation XXXX ) XXXX  XXXX XXXX XXXX BILL PAYMENT debit XXXX ( last 4 digits of fraud 's account : XXXX XXXX ) clearly there was Fraud 's last 4 digit credit card account number and confirmation #, BOFA can contact XXXX  and XXXX  XXXX XXXX  to find out criminals. ( actually I contacted XXXX XXXX  and they suggested BOFA can contact them directly then XXXX will provide the frauds/criminal details ) So please help on this, seeking assistance in getting the funds returned. 

CLAIM # XXXX BUSINESS NAME : XXXX XXXX XXXX LAST 4 DIGITS OF ACCOUNT # XXXX POLICE REPORT # XXXX CFPB COMPLAINT XXXX & XXXX Filed complaint : FBI-IC3 FTC : XXXX Thanks & regards, XXXX XXXX XXXX
Product: Checking or savings account

When I noticed there was fraud on my account I went in to change cards at which time I believe my whole account total balance was not transferred into my new account. Attached are receipts and bank deposits that dont coincide with the bank records as well as the balance to account is never credited nor recorded in deposits. I went in another time to make aware and was threatened to be removed from the building for bringing it up by XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to report that inhave been a victim of identity theft. over the past XXXX years inhave been exposed to muitiple data breaches which i believe have led to unauthorized activity and fraudulent accounts being opened in my name. The unauthorized accounts and activities Include : XXXX fraud account/inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX fraud accounts/inquires 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. 
TRANSUNION fraud accounts/inquires : XXXX XXXX XXXX ; auction direct. flagship 'credit. I have taken steps to address this Issue including contacting the companies where the unauthorized accounts were opened and filing disputes with the credit bureaus, however i continue to experience difficulties in resolving these issues and ensuring that my credit report is accurately reflecting my financial history.
Product: Debt collection

My wife and I were looking into installing solar and were receiving bids from different installers. On XXXX we requested a bid proposal for XX/XX/XXXXXXXX XXXX The representative filled out the forms on his tablet and filled in my initials. At that time, I asked for paper copies due to XXXX needs and not being able to use various programs on a computer. I received a text from the representative XXXX XXXX after he left, with a pdf file to click on and a residential solar analysis popped up this proposal was not complete. XXXX told me I would receive the paper copies the following work day. On XX/XX/XXXX I received a second similar proposal that included the additional information that was not included on the first proposal. 
I requested paper documents several times by email and text, but we never received the paperwork. 
We paid a {$99.00} fee to hold a spot for that year to make sure we qualified for the tax incentive. We were told we would not get the {$99.00} back if we chose not to go with XXXX XXXX XXXX, we were fine with this and thought better to loose {$99.00}, than a major tax benefit. This was our XXXX solar bid request from different businesses. I contacted XXXX and let him know we were not going through with the proposal and we realized we would be forfeiting our {$99.00}. In early XX/XX/XXXX, we were notified via telephone that we needed to pay a restocking fee of over {$1800.00} since we did not cancel in writing within 3 days of having agreed to the proposal. 
We never agreed to the proposal and never received the paperwork. We took this to theXX/XX/XXXX XX/XX/XXXXwho sent the XXXX XXXXXX/XX/XXXX XXXX a letter and XX/XX/XXXX never responded. Since then, XX/XX/XXXX was purchased by XXXX XXXX In XX/XX/XXXX we received a letter from XXXX XXXX XXXX out of XXXXXX/XX/XXXX stating, we are reaching out on behalf of XXXX XXXXXX/XX/XXXXXXXX in resolving a past due amount of {$2000.00} We contactedXX/XX/XXXX and requested that they prove that this is good debt and that they own this debt. Still no response..
Product: Debt collection

Company sent email to me on XX/XX/XXXX saying I owed damages to a rental property that I moved out of over 1 year prior. This contact was first outreach, over a full year after move-out. 

The company sent a basic spreadsheet list of what I owed. This did not look official. 

I requested the damage proof and reciepts via phone, which the company stated they did not have to give me. 

I sent a certified mail letter to company on XX/XX/XXXX requesting proof that said debt is legitimate with photographic evidence and receipts for purported damage costs owed as is my right. 

The company did not provide any information, but called me on XX/XX/XXXX saying they conducted an internal review and that I still owed said damage costs. 

The company is refusing to provide any evidence that this debt is legitimate.
Product: Credit card or prepaid card

To Whom it May Concern, I have been an American Express Centurion Card holder for over 35 years, since XXXX, and have never missed a payment, and have never been late. I have accumulated XXXX XXXX points over several years, on Monday XX/XX/XXXX, I was trying to buy a coffee at XXXX XXXX and my card was denied. I immediately called American Express, and they said that my payment was late. Not only was it not late, it wasn't true. The payment is due on XX/XX/XXXX. Also on Monday XX/XX/XXXX, my Account Manager, proceeded use approximately XXXX of my XXXX XXXX to book a flight for my son & I to XXXX, for him to goto college. The flight was booked for my son & I, locator # issued. The following day my itinerary was revoked by American Express, and to make matters worse, the flight was then sold out. American Express was notified, and again, they said due to non payment, that I was not allowed to use my XXXX XXXX points that I accumulated over the last several years. I was told by American Express to talk to underwriting, on XX/XX/XXXX, and after 1 hour 40 mins on the phone, underwriting stated that they had put a limit of {$59000.00} on my American Express XXXX card. To my amazement, I have {$85000.00} on it as of today, and the payment is still not due. After talking to underwriting ( XXXX ) I was told that they were asking for additional information on my account. I told XXXX that every year for the past 10 years, we have sent my personal tax return to American Express XXXX, and nothing has changed with my finances in that time. XXXX, demanded information that not only I don't have, and never have had, in the 35+ years that I have been with American Express XXXX For American Express to arbitrarily without any type of notification or reason to freeze my card from working, even though I have a {$100000.00} limit, and have for several years. Enclosed is my XXXX card bill which shows balance of {$45000.00} with a preset spending limit of {$100000.00} and payment due XX/XX/XXXX ( see enclosed XXXX XXXX statement ). American Express unlawfully and illegally has withheld my XXXX XXXX points, that I've earned over several years, and is holding them hostage, even  though there's no bill due till XX/XX/XXXX & has no answer to why & how.
Product: Vehicle loan or lease

Unfortunately this is the second time due to whatever ongoing errors that seem to constantly have been going on with the site portal. From " site maintenance '', to not even allowing me to click on tabs and the page constantly reloading I've been caused to miss a payment. I've called the provided XXXX numbers that do not seem to work, I've gotten busy tones and the call just dropping. I've called the dealership directly and each time i was forwarded I'd get the same busy tone and or told i would be called back and never received one. This is quite disappointing from such a prominent auto company and I'm highly considering ending my lease and a Porsche customer should not have these many problem simply trying to pay a bill and now i have the result of this being 30 days late on my credit again.
Product: Mortgage

On XX/XX/2018 our home had a fire that completely destroyed home XXXX  one of our pets. Our insurance company immediately paid for the loss and our problems started with the Mortgage insurance property loss company ( a third Party payer ) XXXX XXXX XXXX XXXX, received the funds and have been refusing to release the funds to make the necessary repairs to our home. 

For 11 months it has been a constant struggle to get XXXX XXXX to Release fund even though we repeatedly would provide them with releases that work was done. We have spent all the funds that have been dispersed so far and an additional XXXX XXXX dollars of our own money and the contractor has spent {$35000.00} of his own money to keep this project on tract. 

Our insurance company is no longer going to pay for our alternative living after XX/XX/XXXX, this month. We have been telling XXXX XXXX that we needed the funds or we would be XXXX. They refused to release any funds and to top it off now Seterus the mortgage company was acquired by Mr. Copper and they are telling us that it could be 60 days before our claim is loaded in their system. We do  not have any more time. In 24 days we will be XXXX but will need to continue to pay our mortgage or lose our home.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, My issue is with Roundpoint mortgage Co. I recently received an escrow analysis which indicated that we had a escrow shortage. the shortage amount was {$2800.00}. the paperwork provided provided us with options to either pay the total shortage amount or not pay and have my mortgage increase from {$2000.00} to {$2400.00}. I reviewed the FAQ 's to determine what the best financial decision we can make since the shortage amount was large. I as told that the FAQ is subject to interpretation. Unacceptable. Are their answers are not clear. the account information provided indicated only the XXXX options with a breakdown of what the payment was and what the payment would be if we did not pay the shortage. 
We decided to pay the shortage in full with the understanding based on the paperwork that payment would not change. 
I called to ensure that my payment was received and I received communication that my mortgage payment increased to {$2200.00}. NO WHERE on any of the documentation did it specify the breakdown of this mortgage payment. I called in early XXXX and spoke to XXXX and her supervisor XXXX and they tried to explain the increase in mortgage payment but could not show me where it is broken down for us on the documentation. 
I informed them that their company practices was deceptive in providing us with inaccurate payment information and that they prevented us in discussing what the better option financially would be for us. Why would we have used our savings to make a large payment if the mortgage payment would increase by {$200.00}. Makes no sense. I have been a homeowner for over XXXX  years and had other mortgager lenders and escrow shortages. Other mortgage lenders paperwork is quite clear. Any assistance would be appreciated. 
Thank you XXXX & XXXX XXXX
Product: Debt collection

I have a dental account with XXXX, which is financed by Comenity Bank. In XX/XX/XXXX I contacted them and made a large payment of {$500.00} because I wanted to pay my account ahead a few months. This month I started receiving phone calls and text messages from them stating that my account was delinquent. I did not consent to text messages first of all. Second of all they will call me 4-6 times per day, and they will call me from several different phone numbers. Then they start calling and texting my husband on his phone. My husband is not on this account, and I have never given permission for him to be contacted. When I asked why they were calling him I was told that in the state of Nevada they are allowed to call my Spouse. After I paid the amount i was told I owed, I still received text messages telling me to call them. When I called them they were still trying to collect the payment I had already made 2 days earlier, and I told the customer service agent I was going to contact an attorney. I told him I wanted to talk to his supervisor he refused to transfer me until I gave him an attorneys name and phone number. I told him I was driving and was on my hands free device and could n't safely provide that information, he said he did n't care and still refused to transfer me. He said I should n't have called them if I was n't prepared to give them that information and he was n't going to transfer me. I told him they were harassing me, they were calling me and texting me over and over and over again about a debt I did n't owe, they were calling my husband who is n't on the account, they are texting me when I did n't ask or approve that and I wanted to speak to a supervisor and he still refused. They have since reported a late payment to my credit report and are refusing to remove it.
Product: Debt collection

The company in question is located in XXXX XXXX arkansas and the the company is Credit Control!! I have given them many times to sent me the right to dispute letter but they have failed!! d They have tried several times to put this on my credit report and I have disputed and was removed but they continue to put this on my XXXX report!! I am tired of this and need a right to dispute letter by law!! I have lived in the same address and they know this XXXX XXXX XXXX XXXX XXXX XXXX arkansas XXXX! Please help resolve this thanks!! 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arkansas XXXX XXXX XXXX
Product: Mortgage

The three main issues : ( 1 ) Mortgage payments for an ( XXXX ) loan taken out in 2006 do not appear to have been applied properly to the mortgage. 
( 2 ) Homeside lending issued an XXXX mortgage and communicated they would aggregate the monthly payment into " XXXX '' payment request to us, and they would allocate across the XXXX loans. It appears that never happened as the 2nd mortgage looks like it never received a payment. 
( 3 ) Post a serious delinquency during the financial crisis, we reinstated the loan thinking we were obviously reinstating XXXX loans ( XXXX / XXXX ). We have since learned only the first mortgage was reinstated, the 2nd charged off, the balance on the first has only dropped by {$10000.00} over the past 10 years although we have made over {$100000.00} in payments to the various mortgage companies & banks that have owned our loans, and the balance for the 2nd is reporting the same as the original 2nd loan amount. 

Please note : These loans were with Homeside Lending, then XXXX went to XXXX XXXX XXXX, then to XXXX. Currently the 1st mortgage is with XXXX and XXXX placed the 2nd mortgage with another company. We did not have the original mortgage documents but were able to provide documents from the courts to substantiate the loans which includes the lenders name, loan number, and dates. We have also provided a copy of the credit report which shows the balances quoted in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXXXXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602A. States that 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 Witten instructions.
Product: Debt collection

XXXX KEPT CALLING MY WIFE IN CHAPTER XXXX BANKRUPTCY ALONG WITH MY CELL 16 TIMES TO ( XXXX ) XXXX AND ( XXXX ) XXXX, DURING AUTO MATIC STAY FOR COLLECTIONS NOT LISTED IN DISCHARGE. SEE ATTCHED, WE HAVE SCREEN SHOTS TO CELL PHONES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TranUnion a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/XXXX. I have yet to receive any response back in regards to the matter. The following accounts follow : XXXX. The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX XXXX. The following Inquiry is not mine XXXX  Date of Inquiry : XX/XX/XXXX XXXX. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX A 30 day demand to comply was also sent to TransUnion as well, which they failed to adhere to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has my address in correct I have called ma d provided the correct information my address is XXXX XXXX  XXXX XXXX XXXX Tx XXXX It is not XXXX XXXX XXXX XXXX mi