23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" We determined a payment extension for the Accounts was approved by XXXX on XX/XX/XXXX, which was retroactively applied for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, an inadvertent error resulted in the extension not being communicated to the servicer of the Accounts until XX/XX/XXXX. " ( XXXX XXXX. to CFPB XXXX, XXXX XX/XX/XXXX ). 1. Account was in a " payment extension '' from XX/XX/XXXX thru XX/XX/XXXX. 
2. All accounts/tradelines XXXX XXXX  report on " on record until '' date of XX/XX/XXXX. 
3. Subtracting seven ( 7 ) years from that date yields the Date of First Delinquency ( " DoFD '' ), which would be XX/XX/XXXX. 
4. The DoFD, which is crucial in accurately and completely reporting any alleged charge-off of an account must fall within a 6 ( six ) month period, ie 180 day period that precedes the first " CO '' annotation in the payment history.

6. The DoFD reported if therefore facially inaccurate, ( via the " on record until '' date ) because it implies the initial default leading to charge-off, ie the first thirty ( 30 ) day past-due annotation in paymentt history in a sequence of late payment annotations, falls outside the six ( 6 ) month period preceding the CO annotations.

At minimum the " before '' and " after '' snapshots of the account/tradeline show that the accounts in the loan group were padded by one or two months by Experian and or XXXX, such that the purported DoFD and initial CO pmt rating would be within the required 6 months/180 days of one another. However, when this data was manipulated for many of the accounts the individual ( s ) manipulating the data miscounted by one ( 1 ) month, leaving even the manipulated data in contradiction with the DoFD as XX/XX/XXXX, vis a vis the " on record until '' date of XX/XX/XXXX, left seven ( 7 ) months between the DoFD and the first reported CO pmt rating for the affected accts, which reported the CO as XX/XX/XXXX. Other accounts left XXXX months, reporting the first CO annotation in XX/XX/XXXX, leaving six ( 6 ) months between the purported XXXX of XX/XX/XXXX and first CO annotation of XX/XX/XXXX. Several of the accounts affected by this were " updated '' to reflect a CO in XX/XX/XXXX, which while coinciding with the month XXXX alleges the accounts were charged-off, still is inaccurate given a CO relies upon a valid DoFD. 
The DoFD for all accounts still show report a DoFD of XX/XX/XXXX, which is patently false because the account payments were deferred per XXXX 's own acknowledgement in their XXXX XXXX response to CFPB XXXX. These are a string of serious errors which XXXX has repeatedly failed to detect and modify and delete under its 1681s-2 obligations, and errors Experian is required to detect and remove under its 1681e obligations. That neither XXXX nor Experian have deleted these accounts at the XXXX 's request after multiple direct and indirect disputes shows neither XXXX nor Experian have the policies and procedures in place to meet their respective obligations under 1681s-2, 1681e ( b ) and 1681i.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to request validation of the debt referenced in your recent communication According to the Fair Debt Collection Practices Act, I am entitled to request verification of the debt you claim I owe. 

Please provide the following information : The amount of the debt. 
The name of the original creditor. 
Documentation that proves I am legally obligated to pay this debt. 
Any additional information that verifies the debt 's validity. 
Please consider this letter a formal request to cease collection efforts until the debt is validated. I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely,
Product: Mortgage

My refinance was closed on  XXXX   XXXX ,    2017 and CitiMortgage got the ir money back that day. It is now  XXXX   XXXX ,  2017  and I still have not received my escrow impound balance, yet I have received th e Lien of Release. Sure, CitiMortgage wastes n o time to release themselves, but drag their feet in giving back my money! Banks always take their own sweet time in giving out money so as to keep as much money as possible in their own accounts to further their own interests. This is unacceptable! If they can get this  Lien of Release to me, they should also have attached my mone y to the same letter! Furthermore, the telephone number they provided,  XXXX , is some sort of scam as I called as got nothing but recordings to press  XXXX  to get deals on  XXXX ,  XXXX  and other non-CitiMortgage offers. What garbage is this?? I could n't get a hold of anyone to inquire where my refund check is!
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federal protected consumer I know you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish and at least 1 % of the company pursuant to TILA XXXX or any other amount of damages pursuant to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX XXXX 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 XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Debt collection

After making arrangements with another company, This collection agency reported this account for the original creditor XXXX away. This account was just reported however, I have no agreement or communications or signed contract with OMEGA RMS. They refuse to provide a statement that validates that they work with XXXX. They also were very rude and did not listen to my request for documentation proof that they work with XXXX XXXX. This company has some concerning practices.
Product: Checking or savings account

XX/XX/XXXX XXXX my experience as the victim of a romance scam. I didn't learn this until XX/XX/XXXX when it was proven to me by a friend, not BECU. This bank has made it difficult for me to withdraw money beginning in the summer of XXXX which eventually led to expulsion from the credit union after having been a member for 40 years. The credit union didn't approve of how I was spending my money and decided to eliminate me as a member after a few phone conversations with their Criminal Investigation Unit. In the final phone call to notify me of my expulsion the final words were, " good luck in finding another bank that will take you on. '' They have labeled me as a participate in 'fraud ' of which I have not done. There is no proof and the bank has notified the banking institution watchdogs of this issue making it difficult for me to maintain a banking account with other banks. I started using the XXXX XXXX XXXX account and was again sent a letter notifying me that they had made a 'business decision ' to remove me as a customer. The claim that I am a willing participant in 'fraud ' is totally ridiculous and scandalous. I want this removed from any banking information that is associated with my name.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My son was cyber hacked some how and charges started showing up on his credit cards and when we got those to stop the hit his bank account several times for thousands of dollars over the next week and a half
Product: Mortgage

XX/XX/2022 I made a Chase Bank mortgage payment by telephone from my XXXX XXXX checking account, which is unusual, as my husband regularly pays it from his Chase checking. 

To my surprise, the institution had saved my banking credit union account number and routing number from a previous transaction. 

I asked that they delete the information and was told that they cant. I explained this is usually offered as a convenience by institutions in order to make regular payments easier, but that I did not Opt In, and requested to Opt Out, and have the bank account information deleted as we werent using this account regularly. 

I am being told by a customer service rep, a supervisor and now am holding for a Manager that they WILL NOT delete this information despite my request to do so because its already in there.
Product: Money transfer, virtual currency, or money service

I really need your help please. I feel like I am in a scam in cryptocurrency through crypto.com. It all began when a lady approached me on XXXX where we started talking about the economy and she mentioned trading futures crypto. Long story short I began trading with my own funds while having some success. She then mentioned she would help me improve my profits by using some of her own funds in what they call a recharge. I dedicated some more of my own funds through this as well and had some more success in gaining profits. I thought everything was fine until she wanted me to invest more so I could profit more and I didn't want to do it. I went to withdraw my funds and the " customer service '' told me in order to withdraw my funds I would need to add 10 % ( {$1900.00} ) of my account total which was {$19000.00} at the time and then they would release my funds. They told me I needed to do this because it was a measure of the platform against money laundering, trafficking, etc. I did this but they didn't release my funds. They told me they had done another review of my account and since {$10000.00} of my funds had come from another account which was her account that I'd now have to pay an additional {$5200.00} which would be held for 7 days and if there weren't any complaints against me they would then release all of my funds. This is where a red flag should have come up for me and it kind of did but I wanted to get my funds out so I was focused on that. I deposited the {$5200.00} from my bank account into my crypto.com account and waited 7 days, they didn't release my funds. Now they've told me I need to pay taxes on my profits of {$2000.00} and they will release my funds. I am very suspicious now and I'm not sending them another penny of my money. I have put in about {$10000.00} of my own money then profited a little over {$5000.00} plus the lady that approached me about this supposedly put about {$10000.00} of her money in for the " recharge ''. I've dedicated some of my funds to some spot trading but in total the account has a little over {$26000.00} in it. I should have never fallen for this and I feel horrible about it. I really need your help. They have told me if I don't pay the taxes of {$2000.00} within 5 days they will freeze my account. I'm hoping I can get some of the funds back but I know that may not be possible at this point. I don't understand how crypto.com can fail and let things like this happen on their platform. I didn't get a huge red flag till I typed some things into XXXX last night and noticed on a california.gov website that another gentleman has had almost the identical experience to mine except his was far worse. I think he put somewhere around {$650000.00} in his account. My funds were deposited to my bank account to crypto.com then moved from there to XXXX XXXX of Crypto.com where they sit and these people won't release my funds to me. 

Can you please get back to me as quickly as possible, thanks.
Product: Credit reporting or other personal consumer reports

i recieved an email last day from the bureaus saying I'm helping credit repair to send out my dispute. please remove this accounts and inquiries because i didn't recognized this accounts here 's the list XXXX XXXX XXXX {$1800.00} XX/XX/XXXX {$1800.00} inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan company ran my credit report without authorization. I never filled out anything online Spoke with anyone to authorize them to or signed my name No verbal consent was given either A hard inquiry was reported to my credit and I never gave consent.
Product: Debt collection

According to my credit report there was a derogatory collection account opened on my credit from the company Professional Debt Mediation XXXX on XXXX XXXX. To this day I have NEVER received communication about my debt and when I went to dispute the inaccurate information from the credit bureaus this Professional Debt Mediation XXXX company reported that this debt is valid. Today ( XX/XX/2020 ) I called this company to find out what documents do they have to verify the debt that allegedly belongs to me and I was informed by an agent named XXXX that they do not have any documents that they can send me that verifies this debt belongs to me and that any dispute is taken from the word of the company that is reporting to them. With that being said I was advised that a letter that stated that there is a debt out there that is owed by me was sent on XX/XX/2020 which is almost 7 months after this debt was opened and reported negatively on my credit report. I repeatedly asked for any documentation that they have to provide me as is my legal right and they kept reiterating that they have nothing to send to me that can serve as proof. At that point I requested them to withdraw any claim for any alleged debt that they are reporting to the credit bureau 's and they have outright refused to honor my request.
Product: Credit reporting

Equifax is showing an Open Collection of {$290.00} for XXXX as reported by XXXX XXXX. I had previously contacted them & stated this acct had been inc in my 2009 bankruptcy. They came back & said they verified the debt thru XXXX. I then contacted XXXX & sent them copies of my bankruptcy. It showed the rental property at XXXX XXXX XXXX XXXX VA XXXX, for which the XXXX acct was for, had been surrendered and the XXXX acct listed under creditors. I then heard from XXXX ( XXXX XXXX XXXX with the XXXX Escalation Team. He said XXXX had been instructed to cancel and withdraw the collection and to report this info to the credit bureaus. A week later I obtained a new copy of my credit reports and it was still showing as an Open Collection. I spoke XXXX again and he put me on hold while he called XXXX and spoke with XXXX at XXXX XXXX XXXX XXXX. XXXX said she had been instructed, again, to cancel the collection and withdraw the info fr the cr bureaus. He gave me her contact info and said to call her to confirm. XXXX would not talk to me as it was a collection. She gave the # to their collections dept. ( XXXX ) XXXX. I then spoke XXXX ( XXXX XXXX who said that XXXX had canceled it but they were still reporting it until they were paid by XXXX. I said this was illegal. Once the creditor advised them the account was in error and had been discharged under bankruptcy they had no right to continue reporting it as a collection item. What happens between XXXX and XXXX re payment or cancellation fee is not my concern.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>
Product: Debt collection

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/20 Capital One Bank refused to give me an adverse action letter after being denied credit in violation of the ECOA.
Product: Mortgage

In late XX/XX/XXXX or early XX/XX/XXXX, I submitted to the XXXX County Tax Office {$6300.00} to cover my XX/XX/XXXX property taxes. As a new refinance and first time I had taxes/insurance paid out of escrow. When I noticed where Flagstar had just paid those taxes as well, I contacted the XXXX County Tax Office for a refund. However, they had just sent back the " double payment '' back to Flagstar. 

I contacted Flagstar immediately ( 1XX/XX/XXXX ) and they took information over the phone. I also corresponded back to Flagstar again on 1XX/XX/XXXX about this refund. ..still no refund as of XX/XX/XXXX, so I called the escrow department and talked to XXXX. He told me that Flagstar would have a run an account analysis on my account and issue any refunds after that. He stated that the account analysis would be done sometime in XX/XX/XXXX. He said that this is the same procedure that Flagstar does for any customer. 

I stated to XXXX that Flagstar runs the analysis on customer 's accounts prior to a customer sending in lump sum payments or having their loan payment altered, so, no this is not the same process since they are holding in escrow this additional {$6300.00} that should not have any bearing on running an account analysis on my account. 

I also asked XXXX if Flagstar was going to pay me interest on these funds that they have " held in their account '' for nearly 90 days. His answer was no. 

I believe Flagstar Bank is practicing deceptive trade and I would think they must legally pay me interest on those funds when these funds are simply excess funds I requested back as soon as the XXXX County Tax Office submitted the funds to Flagstar Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX and TransUnion credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account : XXXX To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by ( Original Creditor ) in the State of Illinois on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX .Under the laws of the State of Illinois UCC 810 ILCS 5 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

Sincerely, XXXX XXXX