23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Father passed away on XX/XX/XXXX. Since then my siblings  I have filed with XXXX XXXX County as the heirs and owners of his home. We contacted Ditech in XXXX to inform them of our Father 's death and our inheritance of his home. We filed an affidavit of ownership and my siblings   elected me as their representative. I have been asking Ditech for information regarding his mortgage and repayment of it since mid XXXX. In XXXX I started corresponding with Ditech via phone and email so that I would have a paper trail. Ditech refused to acknowledge my authority and also refused to acknowledge us as heirs. We submitted all the documentation that they asked for several times due to them misplacing or losing the documents. My Father 's home needed many repairs and we are still in the process of making them. I have spent thousands of dollars for these repairs and am two weeks from completion. If the repairs would not have been made we would have taken a great loss because his home would not have sold for what he owed. I have an excellent realtor standing by to put the home on the market. She believes it would sell in less than two weeks. Today XX/XX/XXXX I received nine letters addressed to each of my siblings, myself, my Father and his Estate. The attorney did not send Letters to my siblings  at their address instead they were sent to my Father 's address. The attorney has all addresses for my siblings,  therefore have sent the notices to the wrong address. These letters are to inform us of the Auction of my fathers 's home on XX/XX/XXXX. I believe that Ditech has broken the Law by not communicating with me about the assumption of his loan or the amount of his payments or his due balance. They have not responded to almost all emails that I have sent and there has been no follow up or follow through with them. We were prevented counselling due to the fact that Ditech would not acknowledge us as the owners of his home therefore HUD counsellors would not speak to us. We are in dire jeopardy of losing his home due to Ditech not following RESPA Laws and refusing to speak to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

An third party called XXXX XXXX XXXX XXXX sent my information and open a loan with Merchants Credit Bureau on XX/XX/2021. Without my consent, I had contacted XXXX from Merchants Credit Bureau who refuse to close the account. After I had explained this is a fraudulent account, I did not open this account
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. 

Account Name : 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/year> 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: Debt collection

I am a victim of identity theft and this account was opened without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in market shopping to Re-finance my mortgage. I spoke to a lender- Allied Mortgage Group ( https : //www.alliedmg.com ) on XX/XX/2020 exploring details on what offers do they have available. The representative took some details regarding my Annual compensation, current mortgage details and property location. We NEVER spoke about running credit check. 

On XX/XX/2020, I get a notification through a credit monitoring app that a credit inquiry was made on me by Allied Mortgage Group. I never authorized the company to make any inquiry on my credit, and they ran an unauthorized check. When I reported the discrepancy to the representative, he used profanity and abused me on phone and text message.
Product: Credit reporting

Experian is reporting an account from XXXX XXXX XXXX, which is incorrect.
Product: Checking or savings account

There was fraud on my bank account. Someone used my card for 4 charges, 3 small charges for XXXX totalling {$73.00} and a large XXXX charge for {$2000.00}. I did not make any of these charges. The bank also charged numerous overdraft fees @ {$36.00} each. I filed a claim and the claim was denied in all charges after an 8 day investigation. I did not make any of these charges, the charges immediately issued created a bank fraud hold and the bank approved the {$2000.00} charge while I only had around {$1000.00} in my account leaving me a negative balance of {$1200.00} - this charge should never have gone through or been approved. The bank has not protected my money, they offered to do a 45 day appeal investigation. I have banked with them for 25 years and never had a fraud issue but yet these claims were denied?
Product: Credit card

I tried to pay my account in full and they acknowledged the full payment by email on XX/XX/24 but didn't process it because they are in financial trouble and could be insolvent. HELP!! HELP!! PLEASE, THANKS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX now owned by Midland Credit 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 denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but 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: Credit reporting or other personal consumer reports

Attn : New Complaint : Thus is not a duplicate Subject : Complaint Against Trans Union for False Credit Reporting and Antisemitism/Discrimination Violations Dear Consumer Financial Protection Bureau XXXX CFPB ), I am writing to file a formal complaint against Trans Union regarding false credit reporting and potential violations related to Antisemitism/Discrimination. The details of my complaint are as follows : 1. **Disputed Account Information : ** On XX/XX/2023, I conducted a review of my Trans Union Credit report XXXX File Number : XXXX ) and discovered inconsistencies regarding the XXXX XXXXXXXX Acct # XXXX. Despite earlier indications of being updated and deleted, the account still reflects as a collection on my recent report. 

2. **FTC Complaint : ** I have already filed a complaint with the Federal Trade Commission XXXX FTC ), under reference number XXXX, against both Trans Union and XXXX XXXXXXXX. Unfortunately, my attempts to resolve the issue by contacting both parties have been unfruitful, as each directs me to address the matter with the other. 

3. **Discrimination Allegations : ** I strongly believe that this prolonged dispute is a form of discrimination based on my gender, religion, and minority status. This discriminatory practice has adversely affected my credit score, which, given my extensive positive credit history, should be in the 800s. The unjust retention of this adverse/derogatory account has resulted in an artificial decrease in my credit score to the 500s. 

4. **Negative Impact on Life : ** The inaccurate reporting by Trans Union has had a detrimental impact on my life, affecting my financial opportunities and well-being. Despite a history of responsible credit management and payment of substantial amounts, the persistence of this single adverse account is unjust and damaging. 

5. **Consumer Rights Protection Request : ** I am seeking the intervention of the CFPB to protect my consumer rights against this type of Antisemitism and discrimination. I request a thorough investigation into Trans Union 's credit reporting practices and corrective measures to ensure accurate and fair reporting. 

**Consumer Information : ** Name : XXXX XXXX I appreciate your prompt attention to this matter and look forward to a resolution that rectifies the false credit reporting and addresses the alleged discriminatory practices. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that Transunion update an inaccurate account on my credit report. An investigation was conducted into the inaccuracy of XXXX ( Acount:XXXX ). Transunion has failed on 6 occasions to investigate, and correct the inaccurate reporting of the late payments that are appearing on my credit report. On XX/XX/XXXX I received a letter from Transunion, dated XX/XX/XXXX, stating that this account had been verified and updated, but no changes were made. This negligence has caused my credit score to drop dramatically, because this account is reporting previous late payments when in fact it was NEVER late. I contacted XXXX in order to conduct my own investigation. XXXX corrected the inaccurate delinquencies and updated my account. Attached, you will find a letter that clearly states that the account is paid, closed and that ALL inaccurate delinquent reporting has been removed and replaced with ALL on time payments. 

They also stated that they sent you and updated on XX/XX/XXXX. Please review the attached letter, and update this account. I will be monitoring this closely, as this should take no longer than 15 days to correct. I would also like for an updated, corrected credit report be sent to me within 30 days.
Product: Debt collection

XXXX hospital in XXXX NC on XXXX/XXXX/XXXX mind you even after Im making payments and Im going attach the one from XXXX showing it was posted in fact on XXXX from husbands acct for {$25.00} appplied toward my {$500.00} balance which now remains {$470.00} owed left. So XXXX still sends ROI letter out with date on top of XXXX same day the check posted for payment {$25.00} this is poor on XXXX part.
Product: Credit reporting, credit repair services, or other personal consumer reports

the bureaus stated my account was properly investigated but that has proved to be inaccurate seeing as i have accounts reporting on XXXX of my reports and not others and also have incorrect dates and loan amounts as well as inaccurate information regarding funds i recieved and or illegal obtainment of private information also threats of legal action like imprisonment 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 consent 15 U.S.C 1681n civil liability for willful noncompliance
Product: Credit card

Members of XXXX XXXX XXXX encountered fraudulent advertising and misrepresentation regarding our stay at an Apartment ( which was advertised as such ) which was unclean, lacked the proper facilities advertised, lacked proper ventilation and safety features for XXXX ( all of us ). The owner ( who actually lived there ) refused to refund our money after we saw the accommodations, was indignant and never returned our phone calls or requests for a refund via certified letter. His personal cleaning, clothing, maintenance, and garbage was left inside the premises. Pictures included tell the story as well as other complaints on line. He continues to jump from one hotel website to another after receiving complaints. 
We are complaining due to the fact that no response has yet been received as to USBank findings were.Tthey refused to investigate any further or contact the owner of the property for verification of our complaint, yet all contact information has been afforded them. Our money was refunded immediately after filing the dispute with the Branch office in XXXX XXXX, the end of XXXX, then we see that the amount was deducted out of our business account with no further contact or attempts to receive more information from USBank in XXXX, ND. Customer service puts the blame on us as Seniors for staying there with no action done on their part to resolve this dispute whatsoever. We had no where else to go since we were XXXX miles from home, this is a peak season in XXXX and better hotels were all booked up. As XXXX as well as XXXX Officials of a Non-profit XXXX XXXX we feel that we have been mishandled and taken advantage on both sides in regards to our own funds and membership donations..
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

We had someone hack into our bank account and put his phone number in to have verification codes sent to his phone when he transferred XXXX out of our account in XXXX different transactions. As soon as we received notice that there were transfers I called the bank and also forward the note to our banker- it said at that time the transfers were pending. They didn't stop them and let them go thru - telling us they have to contact the banks where the money went to get it sent back. 
transactions : XXXX and {$7000.00}. After the first XXXX transfers I was told to change our bank account - user name and password - I went to the bank and did that - 2 days later wire transfer application set up under new account number - called the bank and sent info to our local banker - next day XXXX comes out it says pending. they did return the XXXX and XXXX - but we can't get them to pay us back the XXXX because they said the bank it went to won't return it. Why do we lose that money because they didn't protect us. What is the insurance for that we are suspose to have on our accounts. We closed all the accounts with XXXX exception for that bank and opened new accounts in different banks.
Product: Debt collection

According to my credit report on XXXX, based on my XXXX credit report, I opened an account on XX/XX/2018 with this creditor. I am quite certain that is NOT accurate. Aside from that, the creditor known as XXXX has placed my account in collections. Their action has negatively affected my credit report/score with Derogatory Marks. They are stating that my account has been sent to collections, however, I was never notified about this account and never received a bill. I'd like to address this IMMEDIATELY and get this negative remark removed from my report.
Product: Credit card or prepaid card

Ordered a service from a merchant. XXXXXXXX XXXX application acknowledged the refund/cancellation request but delayed in processing the request. Nearly three months has past since attempting to cancel in XX/XX/2022 and knowing my time to dispute the transaction was closing, I contacted CitiBank regarding a {$1000.00} price billed to my account on XXXXXXXX XXXX 

I attempted to dispute the charge to my account for this service by CitiBank. The below are the details of my interaction with Citibank 's dispute a charge process. 

XX/XX/2022 : Initiated Process XX/XX/2022 : Received a letter from Citibank requesting information and my contact with the Merchant, and details of the steps I took to resolve the issue with the merchant. 

XX/XX/2022 : Received call from Citi ' dispute center to go over this dispute. I explained to Citi that the merchant refused to process my refund. Thier app was the way I was directed to use. Mid-way through the steps, the App just stop progressing in the refund. Dispute center took my information and conducted their investigation. 

XX/XX/2022 : XXXX challenged the dispute showing I purchased their service. Citibank closed the investigation in favor of the merchant. In the letter, Citibank requested I show an email that the merchant accepted my cancellation request. 

XX/XX/2022 : I adhere to Citibank 's request for cancellation request. I submitted to Citibank that the merchant 's app acknowledged my cancellation request and request that Citibank continue with the charge back. 

XX/XX/2022 : Citibank sent another letter stating that they may be able to assist me if merchant agreed to credit my account. and I should seek other means to obtain credit. 

XX/XX/XXXX is the last communication prior to this complaint. Now I am in a XXXX for the reason I originally started the dispute the charge process was because the merchant didn't want to refund me. Now, Citibank is asking for an email that shows the XXXX agreed to credit me. This request is unreasonable when the merchant showed they weren't willing to refund me and challenge the charge back from Citibank. From Citibank moving the goal post to placing me in a XXXX situation, I turn to writing this complaint to the XXXX against Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes but never received a response back. it's been longer than 30 days
Product: Checking or savings account

Bank of America in the amount of {$240.00}, the account was incident happened XX/XX/XXXX, XXXX XXXX in the amount of {$1100.00}, the account documented the incident happened XX/XX/XXXX, XXXX XXXX has no amount documented but has it on my report as Closed-Purge with the date of XX/XX/XXXX, XXXX XXXXk also has no amount but has it on my report as Closed-Purge with the date of XX/XX/XXXXXXXX XXXX XXXX  has multiple accounts with no amount but as it listed as CLOSED-PURGE, with dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have reached out to every company listed above and advised them I am XXXX XXXX XXXX XXXX and identity theft and let know I need all of this removed as I am trying regain control of my life and get on the right track. I am working now and have no bank account currently I only have a savings account with XXXX XXXX because I am unable to have a checking account, due to these infractions on my report.
Product: Credit card

I spoke with XXXX Customer Service which was the 3rd agent I have spoken with today in regards to ordering a card and having the erroneous late fees removed. 

Both XXXX and the other agent who transferred the call to XXXX advised that Synchrony has a process of submitting " a missing statement dispute '' which can take up to 60 days to determine why statements are not being received. 

This is a perfect example of the crazy hoops that Synchrony puts customers through to ensure they do not reach timely resolutions. XXXX and the other other agents couldn't see current payments in their system, they couldn't see if a card was ordered by a previous agent. Lastly, XXXX couldn't identify who transferred the call to her as in the department. She was actually asking me to tell her what was done on the account. 

Although I wanted to pay the balance in full, XXXX could not help.
Product: Credit card or prepaid card

I signed up for a credit card with Citi bank that I thought advertised as intro 0 % apy for 18 months. But by the time I realized they were charging me interest. I had already accumulated $ XXXX in interest charges. 

I contacted them and they informed me that the intro 0 % apy wasnt on standard purchases, but only intro 0 % on balance transfers. When I asked to waive the interest, they said to pay off the balance then they can waive the interest. 

Once I paid it off, they tell me the system can only waive on statement per year.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX Re : Cease and Desist Notification Dear Paramount Recovery Systems This letter is to formally notify you to immediately cease and desist from unlawful activity, e.g., harassment, defamation, copyright infringement, etc. Your actions, as outlined below, are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection, and failure to comply may result in legal action. 

On XX/XX/year> this was reported on my consumer report. 


Dispute of the Debt : I dispute the validity of the alleged debt. Under the FDCPA, you are required to provide written verification of the debt, including the original creditor, the amount owed, and any supporting documentation. I request that you provide this documentation within 30 days of receiving this letter. 

Cease All Communication : In accordance with the FDCPA, I request that you cease all communication with me regarding this debt. You are prohibited from contacting me, my family, or my employer by phone, mail, or any other means. Any further communication must be in writing and only to provide the requested validation of the debt or to notify me of specific legal actions you intend to take. 

Please verify this and remove inaccurate from my consumer report immediately. 


You are hereby ordered to stop these activities immediately. Failure to do so within 30 days will result in legal consequences, which may include seeking damages, an injunction, and any other remedies available under the law.

This letter serves as a formal demand to cease these actions immediately. It does not waive any rights or legal remedies that may be pursued in the future, all of which are expressly reserved.