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

In accordance to the Fair Credit Reporting act XXXX  account 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 120 day late payment, XXXX XXXX XXXX XXXX 30 and 60 day late payment have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I would like for you to make thorough investigation on these inaccurate accounts because they are heavily weighing on my XXXX XXXX  - because of how badly it affects my credit scores.
Product: Mortgage

I am having issues with understanding my escrow statement from Nationstar. I am getting charged a USDA fee, which makes no sense to me. USDA loans from my understanding have the PMI paid up front. I called to get some clarification, but was hung up on the line after getting clarification. I just placed the call today at XXXX EST. Also the numbers do not add up on the bottom of the escrow statement. As soon as I start subtracting the numbers within the account history, they do not match. Hence this leads to confusion on getting actual numbers and why my payment got increased {$200.00} a month.
Product: Checking or savings account

This started XX/XX/year> when supposedly Capital One was having issues with a third party vendor and not being able to process direct deposits. I have requested to know the issue, when said issue would be resolved, and when I can expect my direct deposit. The only response is we are having technical issues and we will update once the issue is resolved.
Product: Credit reporting or other personal consumer reports

Statement Regarding Fraudulent Account with XXXX XXXX To Whom It May Concern : I am writing to formally address the fraudulent account under my name reported by XXXX XXXX. I have repeatedly requested that this account be removed from my credit report as it was opened fraudulently and without my consent. 

To resolve this matter, I have submitted all requested documentation multiple times, including : Social Security card Passport Drivers license Lease agreement A letter from the Federal Trade Commission ( FTC ) A police report filed in connection with the identity theft Despite providing this evidence, XXXX XXXX has not resolved the issue. Although the account was temporarily removed from my credit report, it was subsequently re-added. I have called XXXX XXXX numerous times over the past 60 days to seek a resolution. Instead of properly addressing the fraudulent nature of this account, XXXX XXXX offered me a settlement option of {$660.00} to close the account. I find this unacceptable as I should not be held financially responsible for an account that was fraudulently opened in my name. 

I have also contacted XXXX, XXXX, and Experian to dispute the account and provided these credit bureaus with the same supporting documents mentioned above. I am working diligently to ensure the removal of this fraudulent account from my credit reports. 

I have involved my attorneys in this matter, and I reserve the right to pursue legal action if XXXX XXXX does not comply with federal laws, including the Fair Credit Reporting Act ( FCRA ). I demand that this account be thoroughly investigated and permanently removed from my credit report. Additionally, I request written confirmation of your findings and the actions taken to correct this issue. 

Failure to resolve this matter promptly may result in further escalation, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this urgent matter. Please contact me at your earliest convenience to confirm receipt of this statement and to provide an update on your investigation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount XXXX USD from my XXXX XXXX account to PNC bank at the instructions of the scammers.
Product: Mortgage

I am currently the homeowner of XXXX XXXX XXXX in XXXX, Massachusetts XXXX. I have been seperated from my estranged husband since XX/XX/2015. We currently still own the home together. I have applied for a loan modification since I have fallen behind on my mortgage payments. In a conversation yesterday with a Customer Service member XXXX who claimed she did not have a last name or identification number, she told me I needed additional information to process my application. When I asked for the information in writing to forward to my estranged spouse, XXXX told me she was not sending me any further correspondence and claimed the information was on the previous correspondence which it was not. I asked to speak to a supervisor who did not return my calls. I submitted all of the information they asked. If they require additional information a detailed letter should be sent.
Product: Credit card

I withdrew my application before completion and they reported to the credit agencies that it was declined. I started the application in error.
Product: Debt collection

XXXX XXXX XXXX put a collections on my Experian credit report. The service I received from them was a government internet service that cost me {$0.00} a month since I am XXXX and on XXXX, XXXX, and XXXX XXXX. Also Experian has not taken off the inquiries nor the other collections I have on my credit report with them.
Product: Credit reporting or other personal consumer reports

Greeting, LexisNexis is providing out data auto claims from XXXX that is not on my mvr. I have paid from a report from the DMV as of today due to this issue.
Product: Vehicle loan or lease

This is loan from Usaa Federal savings for the amount of {$40000.00}, has been reported as identity theft this is inaccurate information
Product: Credit reporting, credit repair services, 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 Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

SOMEONE USE MY IDENTITY AND OPEN SEVERAL ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE THESE ACCOUNTS WAS OPEN BY THE THIEF THAT USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENTI am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. I am not responsible for this debt, I do not have a contract for this account, and you have not provided me with the initial application as requested.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
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 sent a dispute letter regarding account number XXXX with XXXX XXXX XXXX. This account was charged off back in XXXX by another company before XXXX XXXX acquired it. The original amount was {$320.00}. However, XXXX XXXX keeps renewing the account as if it were opened in XXXX. Additionally, they are reporting the same amount for this account across XXXX different Experian reports.
Product: Checking or savings account

Citizens Bank refused to investigate fully my disputed transaction. I reported a transaction that I did not make but Citizen Bank refused to give me any documents supporting their decision. The transactions are made on XX/XX/2023, posted date of XX/XX/2023 from XXXX XXXX for XXXX $ ( charged twice ) which I do not have an idea about. There was also a charge of {$34.00} from XXXX from New Jersey which I did not make since I live in New York. I called Citizens Bank numerous times but my complaints were ignored.
Product: Debt collection

Citi Bank. I settled two Citi credit card debts with a debt collector ( XXXX XXXX XXXX XXXX XXXX working for Citi Bank, N.A. on XX/XX/XXXX and XXXX XXXX, attorneys at law working for a debt buyer ( XXXX  XXXX  XXXX XXXX assignee of Citi Bank N.A. ). I paid XXXX XXXX XXXX via Two- {$500.00} and a second for {$500.00} on XX/XX/XXXX and paid XXXX XXXX XXXX XXXX  with two- {$1000.00} and a Secord {$240.00} on XX/XX/XXXX. I need two tax forms ( 1099-C ) s from Citi bank, N. A. for the settlement accounts - {$2300.00} forgiven on account ending in XXXX and {$730.00} forgiven on card ending in XXXX. I have been in contact with Citi Bank, N. A and even " management office '' ; however, I can not get information about the two tax forms.
Product: Credit reporting or other personal consumer reports

THIS COMPANY CONTINUES TO REPORT INACCURACIES UNDER THE FCRA UNDER 15 USC 1681 WHICH STATES : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

I AM REQUESTING ALL RECORDS THAT SUPPORTS YOU REPORTING THESE INACCURACIES ON MY REPORT.

I NEED EVIDENCE OR PROOF THAT I HAVE LIVED AT THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NC XXXX THEY ARE ALSO REPORTING 2 DIFFERENT SSN ON MY REPORT THIS IS IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Checking or savings account

XX/XX/20 : CALLED CHASE TO REPORT 2 UNAUTHORIZED CHARGES TRANSACTION # 1 : XXXX {$270.00} TRANSACTION # 2 : XXXX XXXX APPROX {$190.00} XX/XX/20 : CREDIT FOR BOTH TRANSACTIONS WAS POSTED BACK TO MY ACCOUNT XX/XX/20 : THE CREDIT FOR THE XXXX TRANSACTION OF {$270.00} WAS WITHDRAWN FROM MY ACCOUNT AGAIN. I CALLED TO FOLLOW UP. SPENT ABOUT 4 HOURS TRYING TO REACH SOMEONE. WAS CONSTANTLY TRANSFERRED & LEFT ON HOLD FOR 30-60 MIN AT A TIME. WAS HUNG UP ON. UNTIL I FINALLY REACHED A SUPERVISOR WHO LET ME KNOW THAT THE CLAIM WAS DENIED BC I HAVE PREVIOUS PURCHASES FROM XXXX & THEREFORE IT WAS DECIDED I HAD TO HAVE MADE THAT PURCHASE. 
THE SUPERVISOR AGREED THAT ME HAVING PURCHASED FROM XXXX BEFORE WAS NOT PROOF THAT THIS SPECIFIC TRANSACTION WAS MADE BY ME & SHE APOLOGIZED BUT TOLD ME THEY CAN NOT REOPEN THE CLAIM W/O DOCUMENTATION STATING THAT I DID NOT MAKE THE PURCHASE. I ASKED HOW AM I SUPPOSED TO PROVIDE DOCUMENTATION ... IF I NEVER MADE THE PURCHASE THAT MEANS I WOULD NOT RECEIVE ANYTHING. 
NONETHELESS, I FAXED THEM A SCREENSHOT OF MY ORDER HISTORY FROM MY XXXX ACCOUNT. 
XX/XX/20 : I CALLED TO FOLLOW UP AS TO WHETHER OR NOT THE FAX WAS RECEIVED & IF IT WAS ENOUGH TO REOPEN THE CLAIM. THE PERSON ON THE PHONE WAS UNABLE TO CONFIRM WHETHER OR NOT IT WAS RECEIVED. SHE WAS UNABLE TO CONNECT ME WITH SOMEONE THAT CAN CONFIRM & THEY DID NOT WANT TO PROVIDE ME W/ AN EMAIL WHERE I CAN SEND THE SCREENSHOT TO. 
THE HANDLING OF THIS CLAIM WAS WRONG TO BEGIN WITH, YOU CAN NOT PRESUME THAT BECAUSE I HAVE SHOPPED AT A LOCATION BEFORE THAT I AUTOMATICALLY AM RESPONSIBLE FOR THE FRAUDULENT ACTIVITY ON MY ACCOUNT. 
AFTER THAT BEING NOTED, IT SHOULD BE MORE THAN ENOUGH TO HAVE THEM REOPEN THE CLAIM & REVIEW THE TRANSACTION A LITTLE MORE. 
I WORK VERY HARD TO MAKE ENDS MEET & THIS IS A SIGNIFICANT AMOUNT FOR ME, WHEREAS CHASE HAS INSURANCE IN PLACE FOR THIS. & I AM SUPPOSE TO TRUST BANKS TO TAKE CARE OF THE FUNDS I AM DEPOSITING AND I AM SUPPOSE TO COUNT ON THE CUSTOMER SERVICE DEPARTMENT AS BUT THEY ARE DISMISSING ME AND MAKING ME WORK AND INVEST TIME ALL OVER AGAIN FOR MONEY I HAVE ALREADY EARNED
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/XXXX I was looking at my credit report and noticed inaccurate information. 

Derogatory marks XX/XX/XXXX it says XXXX XXXX  XXXX {$130.00} Is owed. I had called this company many times in the past as this was all taken care of and there customer service reps had said they would remove from file. For some odd reason It is still on there. But was taken of. There was additional fee 's than it was fraud and never authorized by me. 

Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ( both companies I had called as neither company had I signed anything or applied for anything and to the best of my knowledge was fraud and unauthorized by me. Both companies agreed to remove from my file but for some reason still there. 

I have attached the false inquiries picture on here so you guys can see it
Product: Money transfers

I went to a Western Union agent and sent money to my wife, I am in XXXX she is in XXXX After completing the transaction on my end my wife showed up presented her valid Photo Drivers license and they have refused to give her the money because they say they cant issue it because of her name is to common based on regulations issued by the XXXX, when I contacted them this is what they say we have to provide I am not comfortable sending ID information through XXXX XXXX & how can they guarantee it will remain secure. And how would the agent at the mom & pops store even know if I send it to WU and they do not have a computer or a screen on their register to even verify it is my wife.. here is what they have said on XXXX ... ... ... ... ... .To complete this transaction, Western Union will need to obtain and review a copy of the receiver 's government-issued photo ID, for example, a passport, driver 's license, or any other national ID and additional verbal details. 
The copy needs to include both sides of the ID, and any government-issued photo ID, from any country, is acceptable. The customer should also include their place of birth XXXX city and country XXXX if not listed on the ID, occupation and residential address. 
Please also make sure the following information for the receiver is filled out in XXXX in the message to Western Union : Full legal name of the receiver : City and Country of BirthDate of BirthID NumberID TypeIssuing country : ID Expiration DateResidential addressOccupation ( please specify position, or business area ) .... 

for me to get a refund They want this ... ... ... if the receiver is not able to provide the required ID, a Letter of Explanation ( " XXXX '' ) is needed to let us know why the customer is unable to provide ID. If the customer must pursue this option, the following information must be provided in the LOE by the sender : Content of Sender Letter of Explanation : o MTCNo Full legal name of the receivero Date Of Birth of the XXXX City and Country Of Birth of the receivero Relationship between sender and receivero Purpose of the XXXX Explanation why ID copy can not be providedo Occupation of the XXXX Address of the receivero Sender 's signatureproblem is she has a valid photo id, I explained to them that I am not comfortable sending this info to them after having problems with my Identity being used or taken ... .As a disable/retired U.S. Veteran I understand being secure but they are asking me to give information my bank does n't even have, nor do I provide anyone ..How is some of this relevant to a simple money transfer??? and also what does our birth information and occupation having anything to do with it..That information would n't be on her Photo driver 's license anyhow
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information that's still found in my reports.
Product: Mortgage

XXXX XXXX, 2016 Attention : Consume Financial Protection Bureau RE : ShellPoint Mortgage Service Corp. 
XXXX XXXX XXXX, XXXX XXXX Subject : Loan Modification [ XXXX ] Loan # XXXX To Whom It May Concern : My name is XXXX XXXX, I 'm filing an official complaint against the ShellPoint Mortgage Service Corporation who contacted me two months ago regarding my loan that is now in their possession. I attempted to work with them by letting them know that I would like to modify the loan to an amount that I can afford but they informed me that I can only do the following a repayment plan, short sale, transition assistance or pay the loan off completely. They are unwilling to work with me. 
For over five years I was contacting XXXX XXXX XXXX, to attempt to modified the Loan and every occasion they were refusing to speak to me because my name is Not on the Loan. My deceased husband XXXX XXXX XXXX was the only name on the Loan Note and I hold the DEED of TRUST in my name. 

In last two months after I received a several letters from ShellPoint letting me know that they are now handling the services on the loan and they are unwilling to work with me to modify the loan so I have contact XXXX for them to me assistance in Modifying my loan. 
XXXX XXXX XXXX is the Loan consultant and contact person at XXXX who is trying to work with me on this matter. However, ShellPoint continued to refuse to provide XXXX or myself with any information on the loan because XXXX of their ShellPoint rules, unless I take actions on their recommendations which are the following : repayment plan, short sale, transition assistance or pay the loan off completely. 

XXXX is working on a modification plan which will allow me to stay in my home that my deceased husband and I purchased together. I really want to stay in this home, I am retired and over the age of XXXX and with my retirement checks I have the means to make payments on my home as long as the loan is modified. 

Please advice me of my rights in this matter and I hope with your assistance and support it will allow me stay in my home. 

Again, Thank you in advance, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Email : XXXXXXXXXXXX
Product: Credit card

I have called American Express multiple times, and sent them a letter asking them to stop sending marketing emails and credit card offers to my business XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX It has been months now, and they refuse to stop sending me letters. I believe it is weekly or biweekly.
Product: Debt collection

I believe it was in 2018, my husband and I were trying to apply for the low income units at the XXXX XXXX XXXX. We were not qualified for the low income because we were told our income was over the limit. We were treated with unprofessional behavior when we asked for our {$300.00} deposit since we were no longer getting the apartment. We paid a total of {$470.00}, {$170.00} for the application. We ended canceling the payment from our bank account because they refused to refund the {$300.00} deposit. The last time we spoke to a debt collector we told him we were willing to pay the {$170.00} and he did not the agree to our terms.