23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a loan with Longbridge Financial , LLC in XXXX Texas. When I asked for a refinance of the loan, my mortgage specialist, XXXX XXXX, indicated that I needed to have another inspection and valuation of my house. When that was done, I was told I had to have another inspection and vaulation of my house because the government required it and was doing that on 20 % of all inspectioins. The second came in at a low ball figure, 87.5 % of the original valuation. I was then told I had to close on the lower rate of pay for both of the inspections. I don't know of any government program that requires 20 % of additional work on anything. Since they had my bank card they apparently thought they were in the drivers seat. But, just so happened that my bank change owners and reissued me new cards. Then they had a fraud charge on my account and again reissued me new cards. This seems like a variation on the bait and switch practices I've read about. The final straw was when my mortgage specialist called me, a veteran, on veteran 's day to try an get me to talk about my application. That showed me what kind of organization I was dealing with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 20 different letters copy of my signature required service via XXXX and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days. 

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

PROBLEM IS WITH B.O.A. ( bank of America ) 1 XXXX XXXX paid for Future cruise deposit to XXXX XXXX XXXX total amount {$600.00}. Paid for by debit card, number ending in # XXXX 2 Last week in XX/XX/2015 debit card ending in # XXXX was stolen, subsequently requested new card which was issued with of course another number!!!!! 
3 XXXX XXXX cancelled my ( our ) future trip and requested that the {$600.00} to be deposited in my XXXX account with XXXX. ( XXXX XXXX XXXX  ) to be used for future travel. 
4 XXXX XXXX requested XXXX. to refund my money which was going to be deposited to my old debit card number. pointed out that this card was not valid anymore, was told not to worry because Mastercard/B.O.A would take care of this! 
5 No credit received by XXXX XXXX, subsequently wrote letter to XXXX. 
corp. office which responded informing me that money was indeed transferred to my mastercard ending in # XXXX ( see attachment 1 ) 6 XXXX XXXX filed claim with claims department B.O.A.confirmed but claim was processed on my wife 's name who never talked to any claim repr. ( see attachtment ) 7 Called and wrote to B.O.A. pointing out their mistake ( see att ) ( no response ) 8 Contacted XXXX. in beginning of XXXX to request transaction numbers send y email ( see att ) 9 Contacted B.O.A. claims department requesting further investigation provided transaction numbers ( see call sheet att. ) XXXX XXXX-XXXX 10 XX/XX/XXXX was informed nothing could be done. ( see callsheet att ) This is where the problem stands today, having been a customer of B.O.A. for well over 19 years they treat me as a piece of " XXXX '' As you can imagine I am thoroughly disgusted with this so called banking institution being proud on their so called customer service. If we were talking about a {$10.00} amount I would gladly donate to B.O.A. so their profits would be a little bigger than XXXX XXXX dollars plus for XXXX.but {$600.00} is just too much for my banking friends My dad taught me expect the " XXXX XXXX '' but never accept it!!!!! 

Really hope you can solve this issue for me. 

thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act
Product: Credit card

My husband has a Bill me Later/Pay pal account. I went to make a purchase at the end of last year. When I went to pay put I put all of my husband's info like I always do, except this time I accidentally put my last XXXX digits of my social. They opened and account another account up with my husbands name and birthday and my last digits of my social. So we had a completely new account and was not aware of it for 4 months. The bill comes under my husband's name and I never open them I just pay them by phone on the due dates. I got a different letter in the mail saying that we were 3 months behind on our bill, which by the way we have never missed a payment with them in 3 years that we have been customers. I called to find out what was going on and was shocked that they had opened an account with a name their birthday and another person's last XXXX digits of the SSN. I asked them how in the world did they have the right to open the account with wrong and such little information. Now I have a huge min payment and was sent to the credit score people. My husband just told me about the fine that they were charged with. Will there be a class action law suit?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting or other personal consumer reports

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance : {$430.00}
Product: Credit card

COMENITY BANKXXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you COMENITY BANKXXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMENITY BANKXXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX PORT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CARDS XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance regarding an issue with multiple credit inquiries that were improperly listed on my credit report. On XX/XX/XXXX, I visited XXXX XXXX XXXX to apply for a single auto loan, and I was assured that my credit would only be checked once. However, I discovered that my credit was run eight times over three consecutive days : XX/XX/XXXX, and XXXX, XXXX. 

In addition, the dealership had me drive 1.5 hours after confirming the exact amount I would pay since my credit was ran at another location one time and said they could use this - I got there and it was more than 2.5 times the amount - the manager tried to XXXX me into agreeing to this amount and when I did not he without my authorization ran my credit 8 more times after I stated I needed to purchase a home soon and did not want it ran more than the one time I agreed to. I am now struggling to get my credit up to purchase a home. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These multiple inquiries were conducted without my authorization and have negatively impacted my credit score. I understand that multiple inquiries for an auto loan within a short period are typically treated as a single inquiry, but in this case, I did not consent to such numerous checks. I have contacted the credit reporting companies and the companies that ran my credit as well as the dealership with no luck so request the removal of these unauthorized inquiries, but I am seeking your assistance to ensure this matter is resolved promptly and my credit report is corrected. Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

When logging into MyEquifax to see my credit report and score I am receiving an error code " XXXX '' which does not show any of my credit history or score. There is an older score available - and on their end the customer service team said they would mail the credit report and fix the log in issue on MyEquifax but no repair has been made to the log in website. It appears as if they lost my information and credit history. It appears when I go to dispute but when trying to get my three scores through XXXX, it fails because of the issue with Equifax ( so I also lost {$25.00} from that ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit freeze and thaw needs to be free. We didnt ask for these credit reporting companies to take our financial lives into their hands and it 's nothing less than extortion for them to charge money for it. 

TransUnion changed their website after the XXXX crisis to make it harder to freeze your account and easier to pay for their " premiere protection ''. The public will not stand for this any longer.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXX westernUnion received a request for two wire transfers for the exact same amount of {$950.00} each. Although the website told me that those transfers did not go through along with three or four other transfers in other amounts they all did not go through. On the XXXX I started dispute of both wire transfers in the amount of {$950.00} each. They were able to settle One of the two identical accidental wire transfers, but still have been able to handle the second of the identical wire transfers. They have settled transfer with tracing number XXXX in the amount of {$950.00} has been returned to my XXXX XXXX  account. For the identical wild wire transfer tracking number XXXX in the amount of {$950.00} they have not been able to settle this account. Theres no reason for them to hold onto my money. I work hard for my money. I have bills to pay. I have XXXX children to feed. {$950.00} might not be a lot to the people at WesternUnion its a lot to me and my family. There has to be a standard kept in business they shouldve been able to handle both of these wire transfers that were never supposed to go through in the beginning as this was all handled on the WesternUnion website somehow through the website it said that they were not gon na go through and then somehow the next day they actually did go through. On XXXX started the process with both of the identical {$950.00} wire transfers and canceling and starting a refund. Theres zero reasons why both couldve been handled the exact same time the exact same way. I do not know why they would treat a customer with such a disregard especially a company such as WesternUnion where the whole reason why people use them is so that people can send money and its a wire transfer of cash it goes immediately. I couldve flown to XXXX and back now and pick the money up! I find this to be unacceptable business behavior. There must be a standard that business is held to especially a business such as WesternUnion who has international dealings
Product: Mortgage

I fell behind on my mortagae and I was going through XXXX  to help pay my balance and they still sent me foreclosure letters and threatening my home even when I'm involved in that program
Product: Debt collection

I am in perfect Health. I have never stepped in to a XXXX for the last XXXX yrs. I have health insurance and I am financially well off with super Credit rating. Institution by the name XXXX XXXXXXXX is claiming that I owe XXXX plus debts which I am totally denying. I contacted the all XXXX credit monitoring agencies and informed them with my sad situation. Please be kind enough to get this collection off from my record in order to maintain my XXXX plus credit ratings. God bless you all
Product: Mortgage

Paid off the mortgage with a bank certified ck. in the amount of XXXX onXX/XX/2018. Ck # XXXX from Bank of XXXX County, Tn for Acct. # XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, Ca XXXX. Have made ( 4 ) calls attempting to get my Registration for the Vehicle. I think they should have been able in 2 months to get a simple job done. 
I appreciate your time. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tn XXXX Phone ( XXXX ) XXXX EMail XXXX XXXX
Product: Debt collection

Contacted the National Credit XXXX XXXX today XX/XX/XXXX and spoke to XXXX guy. The person was trying to intimate me by being hostile and rude to provide my information on the phone. I let them know its not me & they were on my credit report. 

I have never received nothing from their company in the mail ( wrong address provided by him ) about this matter & i told them to take it off my credit report. 

They have the wrong person. 
There is another person with same name as me who lives in XXXX XXXX. 
He refused to do anything about the matter and said to file a police report. 

I have filed a dispute with XXXX  credit report on this matter. 

I never had a credit card from a XXXX credit card company and the error made a last payment back in XXXX. 

Wrong person & put on my credit report as Collection case. 
I never opened a XXXX credit card XX/XX/XXXX and someone made payments on this card recently! 

This is a 2nd credit card company trying to ruin my credit ( other one taken off me ), who has done this to me. Really! I will sue them if I have too!
Product: Credit reporting or other personal consumer reports

I demand that my privacy is respected. Refrain from sharing any personally identifiable information ( PII ), non-public information ( NPI ), private information, or financial information about me with any third party without my prior written consent. All assumed consent is hereby rejected and i wish for all accounts and reports to be disclosed to me before being reported as required by law. 

This includes, but is not limited to, my name, address, phone number, email address, Social Security number, date of birth, driver 's license number, passport number, financial account numbers, credit history, medical information, and any other information that could be used to identify me. I also demand the following accounts be removed. 

1.All accounts in connection with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am aware of the following laws that protect my privacy : The Gramm-Leach-Bliley Act ( GLBA ) prohibits financial institutions from sharing customer information without their consent. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit bureaus from sharing consumer credit reports without their consent. 

The Health Insurance Portability and Accountability Act ( HIPAA ) prohibits healthcare providers from sharing patient information without their consent.

The Privacy Act of 1974 prohibits government agencies from sharing personal information about individuals without their consent. 

I am also aware of the following state laws that protect my privacy : XXXX XXXX XXXX requires businesses to notify individuals of unauthorized acquisitions of personal information. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX If you violate my privacy by sharing any of my PII, XXXX, private information, or financial information with any third party without my prior written consent, I will take legal action against you. no where in this letter is a request for validation or verification. This is a legal notice letting Transunion XXXX and XXXX know that they are in violation of the law and my rights to privacy. Wisconsin does have private right of action for this and it will be costly and will involve concurrent jurisdiction. This will make Credit reporting agencies extremely liable and shall be costly. I will also be filing with the SEC, IRS, FTC and attorney general if my rights are not respected. This is in no way a request for verification. I am demanding the listed accounts be removed from my consumer report. these accounts are violations of multiple state and federal laws and credit reporting agencies are in violation of ITADA and are aiding in identity theft and violating the FCRA. this is a notice to cure.

Thank you for your attention, be blessed.