23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was preparing to finally move out of my others house. I pulled my credit report as well as applied to a few apartments and have been getting denied. 

I contacted PROCOLLECT Via US Postal Service First Class Mail, to try and dispute the collection. I requested any proof or documents they had. They replied with this debt is valid and updated it on all 3 credit reporting agencies. Also PROCOLLECT is inaccurately reporting XXXX balances. XXXX is reporting a balance of {$5700.00} while XXXX is reporting a balance of {$8700.00} According to the 15 U.S.C 1681 law there should not be any damages on my report as it is reflecting on my poorly and in turn is a defamation of my character
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a police report and a FTC report for Identity theft. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Checking or savings account

1. Opened the account on XX/XX/2022 successfully. 
2. Key BankXXXXXXXX XXXX customer service sends me a notification for further identification on XX/XX/2022 including proof of residence, driver 's license and copy of social security card through a protected time-limited email chain. 
3. I comply the same day. Two days later, I have to send an additional email to check on the progress. No response for an additional 17 days, from either the customer service through email or phone, since it looked like the application was not in the system, yet they had me provide my personal information on multiple encounters. 
4. XXXX XXXX connected with XXXX from customer service who investigated more on my case. He said I would be getting an email to complete the application and get my accounting information the next day, since I was " approved ''. 
5. XX/XX/XXXX I was, all of a sudden, declined to open the account given a " XXXX Report  '' through an email from XXXX XXXX. Called customer service rep XXXX, and he could not give me a response initially. 
6. I called XX/XX/XXXX, and requested my information be permanently deleted and the account closed since I do not want my information remaining with a bank I have not established a banking relationship with. 
7. Overall, has been an extremely bad customer service representative experience, no clear concise reason as to why they requested additional information and then decided to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a CFPB complaint against Equifax due to some inaccurate inquires they are displaying on my credit report. In the response from the company they stated that they did an internal review and mailed me out a letter. They never did any review and never sent me out anything. Furthermore I have been contacting them for months asking them where they are getting this information from and how are they investigating this issue and received nothing. I want to know how are they verifying this issue because I reached out to each creditor and they could not provide me with a signed application to see if the inquires are truly mine so this proves that Equifax is providing false information onto peoples credit report. They told me to reach out to Equifax to have them delete this error and anytime i do nothing happens. Not only this, but they are not responding to my letters. I would like this inquires to be deleted off my credit file immediately. 

Inquires : 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: Mortgage

Now XXXX XXXX I reached 23 % XXXX loan to value and my home value increased more than XXXX since I bought the house and I asked my mortgage company to cancel the pmi but they refused and the paper that I signed when I bought the house saying that when I reach 20 % they gon na cancel the pmi So I need your help to cancel the pmi Thanks alot This was the first complain that I sent by you and they answered that in order to cancel the pmi my home value should be XXXX or more which is acutely is XXXX did appraisal by them tow years now and the value was XXXX so why they keep taking the pmi tell now? 
Thats why uploaded the appraisal to show you that they are laying
Product: Credit card or prepaid card

On Friday XX/XX/2021 I made the minimum {$20.00} payment due for : XX/XX/2021 at Discover. I used XXXX bill payment next day service that I have used periodically for years with no problem. Discover maliciously Stolen my {$20.00} payment because they have hatred of XXXX Consumers ( as stated by Discover customer service ). I called prior to confirm this payment was on the way but Discover choose not to do business with XXXX where a business can see and monitor " Incoming Payments ''. Discover took back my {$20.00} payment in the form of a Fraudulent {$20.00} Late fee which is total Theft. When I call to have the fees reversed I get a hate speech condescending lecture about using XXXX bill pay by Nasty Discover customer service reps. Disrespectful arguments that have nothing to do with the issue, Discover is hateful of XXXX because they make money in fees from these form of bill payments. Money Discover doesn't get ( and they know it ) so they decide to Abuse and Steal from there customers as reprisal which are unfair business practices. 
I will file a Police Report to this as well. Enough is enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act Convergent Account # 1234, 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022, but the bureaus did not remove them, nor prove validation. 
Under Sec. XXXX FCRA " I have a right to privacy '' XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Debt collection

They refuse to mail me verification of the debt. They told me to call the company myself but want me to pay them directly. They wont send anything via mail and keep asking for my email address.
Product: Mortgage

I am in a loan modification currently becuase i lost my job i paid the payment due XX/XX/XXXX with my account ending in XXXX via XXXX XXXX XXXX XXXX. The payment was not applied or attempted. I called on XXXX to ask why payment hasnt been taken. The rep escalated the issue and assured me the payment was going to be taken. I then scheduled a payment via my bank that was sent on XX/XX/year> and hasnt been processed.
Product: Credit card or prepaid card

American Express XXXX sent a response regarding the initial complaint indicating that my account was late and stated such fee could not be waived as it was applied correctly, as my complaint was frivolous and they were indeed correct. When I sent the remittance coupon to the corporation it was on time and was sent days before the due date. The corporation is refusing to accept the remittance coupon because I caught onto their embezzling scheme of stating that I owed them a debt when in fact all bills are prepaid and the remittance coupon was accepted for value. They are refusing to acknowledge that all debt is prepaid and in addition, banks do not loan anything out. The very funds that I have been using has been in fact coming from my strawmans account. They are also in violation of several laws by refusing to accept and acknowledge that according to HJR192, UCC 3-603, UCC 3-104 , UCC1-308, 12 USC 411, UCC 3- 419 , 18 USC 8 states the value of what currency is and that all debt are prepaid and are a negotiable instrument. They are also within violation of 12 CFR 215.3 - Extension of credit. and according to their claims it is based upon the history of my payment history, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Debt collection

" First of all this is not a duplicate complaint '' I am also writing to request documentation related to charged-off account/s that I believe have been declared as losses or uncollectible debts by your institution. Specifically, I am seeking a copy of Form 1099-C, Cancellation of Debt, for the relevant account/s. 

PENTAGON FCU Account number XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} PENTAGON FCU Account number XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. I understand that when a creditor deems a debt uncollectible, it is required to file Form 1099-C with the Internal Revenue Service ( IRS ). 

See attachment for more details.
Product: Debt collection

My wife had been receiving numerous calls from this number in the mornings but would leave a voicemail. She tried to reach back but they would not answer. She finally answered the call this morning. It was a lady claiming to be from Account Resolution Services. She asked my wife about information pertaining to my XXXX year old. She kept insisting on getting my XXXX year old 's birthdate but my wife was trying to see what the call was about before releasing any information. She kept demanding the birthdate and was rude about it and told her that she would notate that my wife was refusing service then hung up. I called the number which is XXXX. A lady answered but I don't know if it was the same lady. I told her they called my wife about it and asked what company she was calling from. She responded " ASR Account Resolution Services. '' I asked why they would be trying to contact my wife about my XXXX year old. She said that they might have an account with them and asked for my wife 's number. I asked what kind of account would a XXXX year old have. There was silence for about 5 seconds then hung up the phone. Very suspicous
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keep reporting inaccurate information and refuse to investigate. 
i have not received respond, they are ignoring my rights.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are reporting an account and balance that do not belong to me. I have sent a letter requesting deletion several times, but the account still appears on my credit report month after month. I have attached my letter of removal below. Thank you.oval below. Thank you.
Product: Checking or savings account

a fake loan company hacked into my Wells Fargo account to process a loan I thought was legit The fake company/thieves XXXX  money into my account then XXXX  it back to themselves then cancelled the payment they did It took me about 2 days to figure it all out They also did provisional credits on my account from previous bills I had paid months earlier THis put more money into my account. By the time I caught on I was out {$2800.00} Wells Fargo took over a month to investigate and I was denied any reimbursment form my bank. This was considered Elder Abuse and was contacted by local police and county also which was all nice but I have had zero restitution
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a Self-attestation letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, of which only 2 are required per the law including my Self-attestation letter. I have provided all needed documentation as well as including my Self-attestation letter signed by a non-governmental organization or XXXX XXXX task force that is authorized by a governmental entity to make such a determination ; consumer- advocacy group or a court representative according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

Loan is funded on XX/XX/20. 
As of today XX/XX/20, the lender to be paid off is not showing paid off and the new lender did not send a closing statement nor showing any escrow balance on their servicing site. 
Send multiple emails requesting a final closing statement and did not receive one.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud inquiries on Transunion : XXXX XXXX XXXX on XX/XX/2021 XXXX  XXXX  on XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX  XXXX on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted loancare twice on incorrect credit reporting for my credit report. My mortgage statements are correct but are totally different than what is reported on my credit report monthly. I was given a {$14000.00} grant inwhich i am not responsible for paying and they are reporting to the credit bureaus as apart of my principal balance and giving me a monthly balance increase. I have attached what my authorized mortgage company reported, versus what LoanCare is now reporting.
Product: Credit reporting or other personal consumer reports

I changed my name legally, I been requesting it to be updated. Nothing has been changed.
Product: Credit reporting

I contacted the Trans Union Credit Bureau because I pulled my credit report and found that there are blatant misspellings of my name, and incorrect names, and addresses, and places of employment on my credit report. I sent in DL, SS card, and a utility bill. I have made multiple calls to the CB and they refused to update my credit report, they say that they are checking into it and would receive a letter back as it should close on XX/XX/XXXX but all I received was a letter stating more information is needed and to send the same documents that I have faxed 3 x. Along with faxing the letters and proof of identity, and address multiple times I am getting now where with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had reposted a paid debt that had been handled by   XXXX   XXXX   located at   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  (  XXXX  )  XXXX  Overview You 've paid off 61 % of your collection amount.   Balance {$180.00} Highest Balance {$480.00} Opened   XX/XX/XXXX   (  6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  11    XXXX   XXXX   This has been paid in full and I called the debit collector about this statement more than once, and they assured me they submitted to TransUnion as with  XXXX  and  XXXX  that the debit is paid, the only one NOT following federal regulations is TransUnion. I called TransUnion  XX/XX/XXXX  and spoke to a Supervisor who expected me to call the debit agency giving them permission to confirm i allowed TransUnion to interact with them in inquiry to this dispute??? Really? How Evasive can you get??? Ive also turned TransUnion into the FTC for fraudulent information, sabotage attempts, Damaging my credit and doing the same exact childish behavior   XXXX   did to me when I had the issue with   XXXX   XXXX   XXXX .   These people are over seas incompetent twits and should not be allowed to handle consumers personal information as they ar e apt to destr oy and ruin people intentionally.
Product: Checking or savings account

i deposited a check from XXXX XXXX for which they helped a tenant and was told that this company could not be verified but yet they still took my {$4200.00} and said they could not verify. Well why cash a check you cant verify. they then told me i had 2 options which was to have a accountant from XXXX XXXX to come to chase or have there bank request the funds back, once i got XXXX XXXX to request the funds Chase shady tail turned around and said no thats not a option anymore your only option is to have a Accountant from that company to come in. How is this legal how can a bank say they cant verify your check but turn around cash your chk????? this has to be illegal. I AM SOMEBODY. Chase has treated me like trash and i will not let up till i get help.
Product: Mortgage

In our XXXX end-of-year escrow statement, SLS told us that we had a shortage in our impounded funds ( due to reassessed property tax ), and told us what our new payment would be. On XXXX XXXX, XXXX, SLS acknowledged receipt of a letter from us disputing the amount being demanded and offering an alternative payment plan. On XXXX XXXX, XXXX, SLS sent us a letter turning down our alternative plan and demanding the original amount. 
While this payment amount was in dispute, we made our XXXX XXXX payment on XXXX XXXX, XXXX. We paid {$2700.00}, which was not the new amount SLS told us to pay, but was more than enough to cover our principal and interest due for XXXX XXXX, as well as an increased amount for our escrow account. 
However, SLS did not apply the funds we sent to our account. Instead of paying first the interest, then the principal and then putting whatever was left into the escrow account -- which SLS holds as a service to us -- the entire amount was put into " unidentified funds unapplied. '' This, in turn, made it look as if we had not made our XXXX payment -- although again I emphasize that there was more than enough to cover our principal and interest -- and we were charged a late fee, which I paid. 
I have been a homeowner since XXXX XXXX, and I have never once had a late payment. My husband owned a home for four years and never once had a late payment. NEVER. 
And we did n't make this payment late, either. The issue is the order in which the funds were applied. 
When our loan was first transferred to SLS, in XXXX XXXX, both our old mortgage company and our new company paid our homeowners insurance. XXXX sent me a refund check for the second payment, and I sent it to SLS to be reapplied to our escrow account. It took three months and numerous phone calls to get that simple thing done correctly.
Product: Debt collection

This was for not returning equipment. When I learned of it previously from my credit reports I made arrangements and returned the equipment ( cable box ). The collection was removed from my report. Then, all of a sudden it appeared back on my report a couple of years later. This is an unlawful collection and the company should be made to indemnify me for my experience.
Product: Credit reporting or other personal consumer reports

Due to the incorrect information, this has impacted my ability to be approved for certain financial tools, in which would help in life to become more successful. Due to the false and incorrect information, it has an impactful role in my livelihood which is being impacted negatively. 
Credit agencies have been harassing me. My life has been taken over due to identity theft and Data Breach. I need assistance asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXY XXXX XXXX : I had submitted an initial complaint that didn't have these items which I found in my report, and I tried to fix. It was only found in the TransUnion Report.
Product: Credit reporting or other personal consumer reports

For the past XXXX years, I have been trying to get information on this debt that allegedly is mine. I have never been provided a copy of any contract bearing my signature nor information showing me that this information is mine. 
The dispute for the account with XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXXXXXX XXXX Address : XXXX Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obliges us to eliminate any faulty entries from my credit dossier. Could you verify the paperwork? Some of the mentioned accounts exhibit inaccuracies concerning their reporting, such as incorrect amounts and dates.