23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently in the process of applying to assume the mortgage on my home following a divorce. This company has made it onerous and unreasonably difficult to do so. I initiated this process in the summer of XXXX and after 6 months of going through that process the loan was sold to this company before the assumption went through. Since then I have been trying to initiate the process with LoanCare/XXXX. I am appalled at how difficult they make it for the customer ... no direct phone number to actually speak with someone in the " Special Loans '' department as the customer service agents have referred to it, leaving me the only option of repeatedly asking through customer service phone line for someone to : 1 ) send me the assumption paperwork ( which took 4 months - the first request XX/XX/XXXX ; application packet mailed to me XX/XX/XXXX ) ; 2 ) have questions answered regarding details in said paperwork ( which no one ever could since I could only speak to general customer service agents and no one from " special loans '' ever contacted me despite several requests. As a matter of fact, the customer service agents repeatedly told me that they didn't have access to a direct phone number to " Special Loans '' dept. and all they could do was " forward '' my request to be contacted to them. ) 3 ) verify that my completed paperwork and documents were received and being processed ( again, not done even though I have certified mail confirmation on XX/XX/XXXX that it was received at their XXXX, FL location ). In thorough disgust, I sent an email through their " contact us '' portal on their website XX/XX/XXXX. I received a call on XX/XX/XXXX from a woman in the " Special Loans '' dept. who confirmed receipt of my application and said it appeared that it was sent to the " Tax Department '' for reasons unclear to her. She promised to call me back that evening with an update as well as send me an email confirmation. Neither was done. Even more astounding, when asked for the direct line to her and her department she gave me ( XXXX ) XXXX - which I later discovered was a general customer service line.
Product: Credit reporting, credit repair services, or other personal consumer reports

This lettter is a formal written request for you to reinvestigate the following unverified accounts listed bellow : I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA .Your company already removed some of the items but 2 XXXX XXXX XXXX accounts remain in my credit. 
Accoording to the fair credit reporting act, 15 U.S.C 1681 your  company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account. 
I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 15 days for each of the accounts listed bellow then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602, states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. According to the Privacy act of 1974, I have the right to ensure my private information isn't shared backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX XXXX, Equifax and XXXX does not have my written or verbal consent to furnish this information. Any and all consent to XXXX XXXX XXXX, Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

According to15 USC 6802 ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission in which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. due to lack of full disclosure of reporting errors.
Product: Debt collection

I was contacted by XXXX XXXX, advising me that my credit score went down due to XXXX XXXX reported a negative collections on my account. I 'm requesting a investigation and for this inaccurate information on my credit report to be removed. I have never received or agreed to having any cable or any service from them. I transferred my XXXX XXXX services to another address which XXXX XXXX stated they could n't install my cable boxes. XXXX XXXX had to install the boxes XXXX XXXX  XXXX was paid in full for installing XXXX XXXX boxes.XXXX XXXX sent me something in the mail inviting me to have service with them I respectfully declined.I have never set up account with this company nor would I ever use them as my cable provider. I made a formal complaint against them when they installed XXXX XXXX boxes. I was given a credit due to their poor installation services. This company should be fined for charging for service they never provided. I have requested from them to send me a copy of an agreement with my execution of signature and agreement to any service and proof of service their claiming they provided. 
I received a call from a rep at XXXX XXXX stating I owe {$56.00} I asked her what was the charge for, she stated for cable service. I explained to her that I never agreed nor had any service with them. This is company is a fraud. I have a right to choose who I want to do business with. they have reported this on my credit with brought my credit score down almost XXXX points due to this false credit reporting. please investigate and remove this from my credit report immediately.. 
Thanks in advance
Product: Debt collection

I had a XXXX in XX/XX/XXXX ; on the same day, someone had a XXXX at the same facility. I paid in full, in cash, on the day of XXXX. Over a year later, the facility merged the liposuction patient 's account into mine and began billing me nearly $ XXXX for a XXXX I didn't have. I contacted them and sent a copy of my receipt, my admission form, and even an affidavit from my surgeon that the XXXX I had was a XXXX. They simply took the receipt for my payment and deducted it from the amount owed for the other patient 's liposuction and billed me again. I responded every time, sending the documents over and over. In XX/XX/XXXX, the facility sent the account to Credit Counsel , Inc . Same routine -- I sent the same documents in response to every contact, including the statements from the facility showing that they were billing me for a XXXXy when I had a XXXX. This week I tried to buy a house, and my credit report had dropped from XXXX to XXXX because the debt collection agency had filed a negative report despite having received proof that the debt was for a different XXXX than the one I had. I called the collection agency this morning, and they said I owed {$200.00} for overtime for a XXXX, but I had sent them the statement from the facility showing they were billing me the balance for a lipectomy. In sum, and despite proof that this is not my medical bill, I have been denied a mortgage because I would not subsidize a stranger 's XXXX removal.
Product: Credit reporting 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 these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$8200.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$96000.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX is reporting a hard inquiry from XXXX XXXX from XX/XX/XXXX that was removed XX/XX/XXXX but their re showing it in XXXX even though it was removed in XXXX by XXXX XXXXXXXX and reported to XXXX and also removed by XXXX and also credit karma. But now both parties are showing it which is against the fair credit reporting act This hard inquiry didnt show all XXXX and even at the end of XXXX! U cant dig up old hard inquiry that have been removed and reapply them I will ask that the cfpb note my complaints on XXXX XXXX, XXXX XXXX, and credit karma as reference and proof!
Product: Credit reporting or other personal consumer reports

Unfortunately, I have noticed some inaccurate information on my consumer report. I believe this information is a result of identity and is not correct. XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per XXXX5 USC 1681 Permissible Purposes, I want these hard inquiries removed from my consumer report. The previous inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
Product: Credit reporting

I had a an auto loan with XXXX XXXX for over 2 years in excellent status and paid in full. According to XXXX XXXX Experian is only allowing to report my status only if my account is open and not paid in full. Further more , XXXX XXXX was nice enough to inform me, if they send it to Experian, it will show as an open account and will do me more harm. I wrote to Experian several times and had no answer. Please help.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to express my extreme dissatisfaction with the actions of TD BANK regarding my Trust instrument. According to TD BANK, they have lost my original Trust instrument, which is a document of utmost importance to me and my family. This is completely unacceptable and I intend to take legal action against TD BANK for their negligence. 

As a result of TD BANK 's carelessness, adverse action has been brought upon all three of my accounts, and I have been denied access to the Treasury by delaying the opening of a Trust account even though all necessary documents have been recorded. This is not only frustrating but also impacting my financial well-being. I demand that TD BANK rectify this situation immediately. 

It is important to note that the IRS, all government branches of Florida, and the Federal Reserve Bank XXXX XXXX and XXXX hold copies of the private Trust instrument. This is proof that the Trust instrument exists and that TD BANK 's claims of losing the original document or not receiving it are false. 

I would like to remind TD BANK that the Trust instrument is valued at {>= $1,000,000} and any further delays or negligence on their part will not be tolerated. I demand that TD BANK take immediate action to locate the original Trust instrument, deposit it with Treasury to compensate me for the financial loss that I have incurred due to their negligence. 

I urge the Consumer Financial Protection Bureau to take swift action in addressing this matter and ensuring that TD BANK is held accountable for their actions. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX [ : confidential information forward to appropriate agents : ]
Product: Debt collection

ARS sent me a letter with a list of debts that are not mine. I wrote a letter back asking them to validate the debt under FDCP Act including all medical expenses and contract and signature and I believe this is a violation of the HIPPA Act. I have not released any information of releasing any personal medical information. ARS is reporting to my XXXX  and XXXX  reports and it is causing me financial harm. I would like it removed.
Product: Credit reporting or other personal consumer reports

Equifax got my name as XXXX XXXX. 

My government name is XXXX XXXX
Product: Mortgage

They have misapplied my payments which results in generating unnecessary fees. I've requested help, which has not been responded. They don't employ people, they only use computers. They have not communicated with good faith. In the past, the various departments don't share information so they require multiple submission of the same information. I want to have a discussion with a person
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX, XXXX and Experian regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections. There is also no dispute verbiage on any of the accounts.
Product: Credit reporting

There is a judgement on my credit report that does not belong to me. The credit bureau deleted the account from the collection agency but has not removed the judgement, which is the same item.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Debt collection

Hi, Here 's a little information about the account. My card was taken by my now ex husband which he used on his girlfriend. I set up monthly payment arrangement with them after he left and while I was going through my divorce. They told me I could no longer make the lower monthly payments anymore and I could not afford to pay the full monthly amount payments. The account was closed and charged off as a bad debt, then sold to a collection agency. I was served by this company to collect a debt. I tried on XX/XX/XXXX to contact this company ( XXXX XXXX XXXX ) in order to try and solve the debt they are collecting. I was answered with a message that this is a debt collection company. They would not accept my offer and I was told that my offer would be relayed to them and someone would call me back. I called back again on the XXXX of XXXX and I was told the message was relayed. No one has ever returned my calls. I appeared in court like I was told to and no one was there, I was taken to the clerks office, where I told I had to file a cross claim that day or they would have a judgement against me. I told them I was on public assistance in my claim and could not afford to pay them what they were asking. Because I can not afford an attorney, apparently I did not give them sufficient evidence for my claim. No one will call me back. How am I supposed to work anything out with them if no one ever calls me back. They have just added another derogatory remark to my credit score.  This is not right that they make no attempt to work with me, when I am trying to get this matter resolved. They just want to garnish my wages, make me pay attorneys fees and are unwilling to work with me at all! It is not right they treat people like this when you are actually trying to resolve the matter.
Product: Credit card or prepaid card

I received a Cash App debit card ( which is a logo trademark of Square Inc. ) which I did not sign up for. I received it in the mail on XX/XX/2020. I do not want this account and I want it shut down. I did not authorize an account to be open. I tried to call the company and they have no telephone support and the message says I need to go online. How can I go online if I have no account set up!!
Product: Checking or savings account

No matter what I do I am unable to contact CIT Bank, a division Of First Citizens at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have been locked out of my account and no matter how long I wait, no one will answer the phone at XXXX They are holding my money against my will
Product: Bank account or service

Our checking account was emptied via XXXX fraudulent wire transfers on XXXX XXXX, XXXX. We have not yet received our money back from Chase Bank who is telling us that they have 30 business days to investigate and decide whether to return our funds.
Product: Checking or savings account

My company conducts business with multiple foreign companies, but during a recent money transfer, my account was blocked and the funds were frozen. It has already been many days, and the money is still being withheld without any reason provided. Currently, all of my accounts have been frozen. My finance manager has communicated with the bank multiple times, but there is still no solution. The bank claimed that a check would arrive within 810 days, but it has not been received. The seizure of my business funds has caused a cash flow crisis, leaving me in a difficult situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal Request for Early Exclusion of the Accounts below from my Credit Report. Please investigate and correct inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

2. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

3. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

4. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

5. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

6. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

7. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

8. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

9. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

10. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

11. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

12. DEPT OF EDUCATION/XXXX : XXXX Paid, Closed. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,