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

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit  reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX
Product: Credit reporting or other personal consumer reports

I want XXXX XXXX  to reduce the amount owed and report it to the credit bureau the correct amount. The fact that they have refused to acknowledge my payment and report accurately is a violation of my rights 15 U.S.C 1681 The fair credit reporting act finds them committing several violations. XXXX dollars was paid towards a balance. The representative saw the proof that i submitted in the last complaint and has decided to ignore this and it is against the law stated above. So I demand cooperation from XXXX XXXXXXXX or I will seek compensation for the violations Especially my credit score dropping XXXX points for their illegal actions against my credit worthiness at the very bottom of the picture proof attachment you see the payment of XXXX dollars was received
Product: Mortgage

I am trying to complete my taxes but the servicer ( Specialized Loan Services ( SLS ) ) for my mortgage company ( CMC Funding Inc ) hasn't sent me my tax form for the Mortgage Interest. Also, their website gives me an error " Network Error. Please try again later. '' every time I try to login to obtain the form. When I called I was treated rudely by XXXX ( Employee ID XXXX ). He refused to help me unless I provided him the last 4 digits of my Social Security #, which I refused to do over a cell phone. I told him just sent he form to the contact on file and that even if I was a thief that that would not hurt the person since it would be sent to the address/email on file. I was not providing a new address/email to send it to. XXXX refused to help and left me hold for over 10 minutes and did not get a supervisor that I asked for. He finally came back to the line ( or actually finally responded as it turns out he was ignoring me and reading through notes ) and he said he hadn't called a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Payday loan, title loan, or personal loan

Check n Go states I took a loan for {$520.00} and they were offering a settlement of {$300.00}. They said the settlement back in XXXX was only good for that particular day, after that it would expire. 

I advised that this debt was time barred. They stated I made an agreement to pay this off in XXXX. This did not happen to my knowledge and they stated they have a recording of the phone call. 

They threatened me with my local court office and are filing a complaint. I can assure you that this debt is time barred simply for the lack of contact by myself and when the loan defaulted. This started in XXXX. For them to find a way to say it was restarted back in XXXX or XXXX is just false. Maybe they started attempts at collections again but nothing was ever agreed upon or spoke about.
Product: Credit card or prepaid card

I had a bank of america credit card and went through some financial hardships during my last year of school in the beginning of 2017XXXX i was starting to establish a great relationship with bank of america by always paying my card on time and have had 13 years of great credit history. i had an account close during that year of financial hardship and sent to collections which i have now taken care of by settling and clearing it with bank of america back in XXXX this year. I want to start building a realtionship with bank of america again.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX To Whom It May Concern : I am writing this letter regarding Auto Dealer Fraud and Credit Application Fraud for XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, SC XXXX, and XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX. In XXXX of XXXX my sister purchased a vehicle from XXXX XXXX where originally I was going to cosign on the car, however the sales representative decided my credit was stronger and placed the loan in my name unbeknownst to me. I never signed any documentation or even visit the location and had no idea about the loan until XX/XX/XXXX when I received a call regarding late payments. I explained that I had not financed a car through them and that the car belonged to my sister, I never signed anything so how do I get this handled. I was forwarded over to a supervisor by the name of XXXX XXXX who immediately recognized the signed contracts had been forged because all the signatures looked the same, she forward me the contract and advised to have my sister call in to refinance in her name. I spoke with my sister and she assured me everything was taking care of. I happened to pull my credit report and saw a repossession on my report, I called the finance company immediately and was advised even though she still had the car, because it was repossessed and she retrieved it back it would stay on my credit for seven years I advised them the car should have been removed out of my name and placed in hers because I never signed any documents, I was advised that once she completed the payment arrangement and get back in good standing they would refinance the loan in her name. To date that have not occurred and is still reporting negatively on my credit report. I never signed a contract, I never been to that dealership, I was never told about the loan or the terms regarding the contract and the finance company is well aware of the fraudulent act and did nothing to rectify the situation and continue to report negatively to the credit bureaus. I am pleading for your assistance in getting this matter handled. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage for XXXX XXXX is not being reported on our credit report and is adversely affecting our credit scores and causing us to receive higher interest rates on credit cards and car loans. We have previously reported the issue with CFPB complaint number XXXX and this problem needs to be fixed. According to XXXX XXXX customer service they are reporting to the following credit reporting agencies : XXXX, XXXX, Experian and XXXX XXXX but our mortgage is not on the credit report.
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX  to the point where I'm having XXXX XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Checking or savings account

On XX/XX/XXXX I had an issue with capital one and their XXXX Partner. I had use Chase before for years to send a Property Manager payments with no problems to the same email same information and now I did with Capital One so when the payment of {$1500.00} was sent for the first time with capital One through XXXX The property manager got an email from XXXX his bank saying that he was going to receive the funds sent by me and I also got a generated email saying my payment was going to his account connected to his email. I use the same email I have always provided turns out he did receive the email that the money was going to his account but the money was deposited into another account in XXXX to a company that has been close for two years and nobody wants to be responsible for it. done that three years with XXXX but with capital one this happens
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX, XXXX account that is being reported on my most recent credit report. Upon this challenge, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Equifax, the account was verified. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting information used to verify this account in writing. If such documents can not be produced, please delete the account listed above from my credit report immediately. 

I have personally contacted XXXX, XXXX many times over a XXXX-year period and have yet to receive any supporting documents.
Product: Credit reporting

I writing you because I have no success with the credit bureaus or creditors. I check my credit everyday. I keep getting inquires on my report. Clarity Services Inc pulled a hard inquiry on my report. I have no ideal who this is. I called and no one knows anything. The reported on my XXXX. Notifying XXXX they never do anything. Hopefully you can get this company to remove this from my report
Product: Money transfers

On XXXX XXXX, my office ( Home Loan Alliance Title ) initiated an outgoing wire from our escrow account held with Chase Bank. The wire we requested was for {$100000.00}, sent to XXXX XXXX XXXX. This wire was to pay off a current mortgage lien. 14 days ago, when we initiated this wire, the funds were deducted from our Chase account by Chase and showed completed. Yesterday I was notified by Chase the wire was not sent to the recipient, XXXX XXXX XXXX. It was instead held for review and Chase now needed further verification in order to release the wire. It 's been held for14 days without notification and as of today Chase still has not released the funds. When Chase contacted my office yesterday I was transferred to a couple different agents within their company for assistance but none who could resolve the issue. XXXX XXXX was one of the agents I spoke to and she verified there were no errors in the account information enter on the wire. She also provided a reference number ( XXXX ) regarding the wire issue and stated I would receive a call back. The next call I received was from XXXX XXXX with Chase. He stated the Chase compliance department needed information regarding a third party ( XXXX XXXX ). Not understanding why and XXXX inability to explain, I requested to speak to someone in the Chase compliance department and was told XXXX XXXX would contact me. I am still waiting on that call. Meanwhile, trying to get this urgent issue resolved, I 've since emailed several others people within Chase and spoke to XXXX who is at our local branch and XXXX XXXX from another department. Both calls ended with no resolution and that someone will contact me. 
As of right now, Chase is still in possession of the {$100000.00} and the loan the wire was intended to payoff is accruing additional interest and fees. 
The way our account and this issue is being handled by Chase is not only extremely unprofessional but also negligent.
Product: Debt collection

This debt collector contacted me at my job, I asked them not to call me, they went through the entire company directory however my work phone number is for work-related business matters only and I can not accept personal calls. The company is portfolio recovery and they keep harassing me calling from various numbers.
Product: Checking or savings account

I AM FILING A COMPLAINT WITH THE CFPB REGARDING CAPITAL ONE 'S FAILURE TO DEPOSIT MY DIRECT DEPOSIT FROM MY DIRECT DEPOSIT FROM MY EMPLOYER AND ANY OTHER INCOMING DEPOSITS. CAPITAL ONE HAS CITED TECHNICAL ISSUES, WHICH MAY VIOLATE THE ELECTRONIC FUNDS TRANSFER ACT ( EFTA ) AS IT REQUIRES TIMELY ACCESS TO FUNDS. THIS SITUTION RAISES CONCERNS ABOUT CONSUMER PROTECTION LAWS, AND I REQUEST YOUR ASSISTANCE IN INVESTIGATING THIS MATTER TO ENSURE MY RIGHTS ARE UPHELD .THANK YOU
Product: Debt collection

A man has been calling my sister for some time regarding efforts to collect a debt that he claims my son is responsible for. This man identified himself as XXXX XXXX. His number is XXXX. My sister contacted me and was very upset feeling as if he threatened her. He used extreme profanity including the XXXX word, along with calling her all kinds of obscene names. I called him today, XXXX @ XXXX and he was so volatile and nasty that it can not be explained. He called my and my son XXXX said my son is in XXXX because his mommy did n't take care of him, he was placed here by XXXX to deal with people like us. He then said word on the street is you have a good job, you work for the state, so just pay it. Give me your debit card number now. I asked for paperwork and he refused. He finally did tell me that this was from something that my son signed for on XXXX. He did say his company was Integrated Service out of XXXX XXXX, NY. He said is boss was XXXX XXXX but would n't provide me a number directly to him. I did tape his call half way through as I felt very threatened and slandered. He told me he was n't harassing me because he had n't physically threatened me. When I told him I was going to speak with my lawyer and law enforcement first he then said he was going to make America great again and my flock would n't be part of it. This man would not allow me to ask questions or say anything, he was just verbally abusive and threatening. When I XXXX this number, many comments were of this same nature - threatening and horrific attacks against people. I am a professional woman who deals with courts and clients. I have never been treated this way before. I can not believe that this man is allowed to call and say such horrible personal things about me or my family. He even asked if I had gotten a good XXXX present from my son. My son is an adult who is currently XXXX that he committed. I am not responsible for his actions. This man basically told me that I am a rotten mother because of this. He called us losers and vile names with extreme profanity.
Product: Debt collection

on XX/XX/2022 I sent a letter to National Credit System INC, asking them to verify the debt, by sending me paperwork, and verfication of the debt, To day, now 90 days later, they have failed to do so, and have failed to remove the debt. The Credit Bureaus have also failed to remove the debt or provide their verifcation method. I want this debt REMOVED NOW. 

I have also contacted NCS via email and they fail to respond with information. I have gone on their website, they have no record of any debt for me, any account numbers, and no $ listed.
Product: Mortgage

I sold my house in XX/XX/XXXX and am owed an escrow check of {$290.00} I did not receive a check until XX/XX/XXXX and was unable to cash it because the check was expired. I was told a replacement check was reissued XX/XX/XXXX I have called 3 times to ask where the check is they keep putting me on hold and hanging up. 

I previously filed a complaint regarding this issue. I was again told the check was reissued XX/XX/XXXX when I called XX/XX/XXXX and spoke to operator # XXXX I was again informed the check was reissued XXXX, XXXX by XXXX XXXX through the complaint response. Today is XX/XX/XXXX. I still have Not received a refund of My Escrow legally due to me in the amount of {$290.00}. 

If in fact the check has been reissued why have I not gotten it. I do not have any problems receiving any other mail or packages. at this point in time I question the honesty and integrity of Loan Depot and its employees. It should not be this difficult to receive an Escrow refund.
Product: Student loan

Improper reporting to my credit report, harassment calls, and pulling my credit report without my permission.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$XXXX} XX/XX/XXXX CAF XXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX XXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$XXXX} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting XXXX  credit to dispute Military Star account, that was in good standing since XXXX and paid of in XXXX of XXXX, XXXX updated the dispute and made is worse. Now my report shows delinquent account payments from XXXX until XX/XX/XXXX, when I disputed it. The account has been closed and paid in full with good standing, on time payments since XXXX. It was officially closed and paid fully by XX/XX/XXXX. This was done in this manner, so I could purchase my first home with no outstanding debts. I closed on my home XX/XX/XXXX. There should be no negative comments from Military Star since XXXX.
Product: Credit reporting or other personal consumer reports

I NOTICED SOME ACCOUNT THAT IS FRAUD AND TRANSUNION DID NOT NOTIFY ME WITHIN 5 DAYS THAT THEY WERE REINSERTING INFORMATION BACK ON MY CREDIT REPORT,, THESE ACCOUNT ARE NOT ADDRESSED TO ME AND WASNT OPENED UNDER MY ADDRESS, TRANSUNION IS IN VIOLATION FOR NOT SENDING PROPER NOTIFICATIONS TO ME,,
Product: Credit card

Wells Fargo Executive Office states they can not trace electronic payments made via their bank to several banks and locate funds associated with those payments which the targeted payees state are lost and have never been received. After spending over one hour on the phone with both Wells Fargo & each of the payees, nothing was resolved except the loss of my funds. 

Thank you for sending your inquiry We have received your inquiry regarding this payment : Payee Name : XXXX XXXX XXXX Payee Nickname : XXXX XXXX XXXX XXXX : {$800.00} Payment Reference Number : XXXX Send On Date : XXXX/XXXX/2016 Your Case Number : XXXX Payee # XXXX Payee Name : XXXX XXXX - CREDIT CARD Payee Nickname : XXXX XXXX - CREDIT Payment Amount : {$1900.00} Payment Reference Number : XXXX Send On Date : XXXX/XXXX/2016 Your Case Number : XXXX
Product: Money transfer, virtual currency, or money service

The first week of XXXX I opened a XXXX XXXX and requested my XXXX HSA holdings and HSABank holdings be transferred immediately. The XXXX XXXX were transferred with in a week, but the HSABank holdings indicated a transfer would occur on before XX/XX/XXXX. When the transfer did not complete on XX/XX/XXXX, I called HSABank to inquire. The phone attendant indicate because HSABank forgot to liquidate a {$5.00} position, the transfer did not go through, but they would correct this and transfer the account no later than XX/XX/XXXX. I called to confirm XX/XX/XXXX and this time HSABank updated the transfer to possibly another three weeks. 

I called XX/XX/XXXX to inquire, and this time they say there is a {$4.00} position, a position I can not see on my online account, preventing the transfer. At this point, I told the attendant I requesting a retention of all documents and recordings for possible litigation and requested to speak with a supervisor. I informed the attendant that if we complete the transfer this morning we can avoid litigation. 

They left me on hold for hours with intention attending to the call.
Product: Checking or savings account

By closing my account on XXXX XXXX XXXX without letting me know and putting me in a lot of emotional trouble I want Bank of America to give me my money they are holding in my account before the first of XXXX otherwise they will have to pay me XXXX XXXX XXXX dollar to repair the emotional damage they put me in.
Product: Credit reporting or other personal consumer reports

I have a current mortgage loan with Rocket Mortgage LLC, I am current for all payment, I haven't missed any payment at all. Rocket Mortgage Loan number is XXXX the address of the property is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

We have received a defective notice of the foreclosure initiation on XX/XX/year> and recording from the Rocket Mortgage LLC and their XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

We tried to reach them unsuccessfully, they never filed any declaration or statement with the recording and falsely stated that it is exempt from declaration due to any unknown XXXX.
Product: Mortgage

My clients home is up for foreclosure sale on Tuesday XX/XX/XXXX ( THIS TUESDAY ). It is on the court 's docket. 
The loan apparently transferred servicing from XXXX XXXX XXXX to SPS effective Wednesday XXXX ( tw days ago ). 
We are unable to dicover the status of loss mitigation application as XXXX XXXX XXXX can not open their records due to the transfer and SLS has no record of it in there system per my call this afternoon! 

Attached are the serviving violation detailed specifically. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

The management of the complex appartment ( XXXX XXXX, XXXX, Tx ) complained about a debt that I already paid ( {$170.00} ) as a deposit. I sent them the proof many times. They are not admitting my payment. I sent also the proof 4 times to the National Credit System. They ignored my proof and my communications, and they sent a collection which affected unfairly my credit score. It dropped by XXXX points.
Product: Credit reporting

NATIONAL CREDIT SYSTEM IS STILL REPORTING ON MY CREDIT REPORTS. I WAS NOT NOTIFIED OF THIS DEBT HOWEVER I PAID IT BECAUSE IT WAS ONLY {$140.00} AND THE REPRESENTATIVE PROMISED THAT IT WOULD BE DELETED FROM MY REPORTS IN 30 DAYS. WELL IT 'S BEEN A YEAR!