23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received the attached email from Speedy Loans threatening to take me to court and have me arrested for a debt that was discharged on XXXX/XXXX/2010. I have not taken out any other loans with this company since 2010 so not sure why they are contacting me and threatening me. I think I received a call from them about 2 years ago and when I asked them for information they had on me for this loan, they gave me a social security number that was not mine and I told them that at the time. I do n't know what this is all about but now they are sending me threatening emails to my work place. I was working for the same company when I filed my Chapter XXXX BK. They did not provide a phone number, only an email address to respond to and the sender is using a " gmail '' email address. This is the email address they want me to respond to : XXXXXXXXXXXX XXXX mailto : XXXXXXXXXXXX I have also attached a copy of their email communication regarding this debt. All they have is a case number but no account number either and they want almost {$9000.00} for a debt that they have on file for {$840.00}! Your assistance with this is greatly appreciated.
Product: Credit reporting

For quite some time ( more then a year ) ... I have been working on my credit report to remove and delete erroneous, inaccurate, accounts not mine, etc ... and in exercisING my rights PURSUANT TO THE FCRA , ..I  requested VALIDATION at le ast 3times fr om FURNISHERS, and disputed several ( at least 4 times ), and to this date I have no VALIDATION from the  XXXX  major credit bureaus (  XXXX - XXXX -  XXXX   ), ,especially  XXXX   XXXX  company . ..I 've re quested METHOD OF VERIFICATION ..and to this date my FCR A RIGHTS HAVE NOT BEEN HONORED OR RESPECTED.!,,,,
Product: Credit reporting or other personal consumer reports

I am submitting this request in hopes of receiving assistance in reconsidering a 30-day late payment reported in XX/XX/year> on my account with WFBNA CARD. 

Unfortunately, this delay was a result of unexpected health issues ( XXXX ) that will temporarily impact my ability to make payment on time. However, my payment history reflects a strong commitment to my financial obligations, and this event was an isolated situation that does not represent my usual behavior. 
I am asking WFBNA CARD for a request for a goodwill adjustment, based on my situation and demonstrating my responsible history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX financed with Credit Acceptance. Paid 66 payment on time. Traded car to XXXX XXXX XXXX, who gave me an affidavit of payoff paid but they sent amount to wrong lienholder, XXXX XXXX XXXX. My credit report showed 30 days late, bringing down score XXXX XXXX XXXX sent letters to show their responsibility. Score still shows paid but 30 days late. ( am not responsible for this actin destroying my credit.I have tried to contact credit acceptance, XXXX, etc. ..no change. Credit ruined by XXXX XXXX XXXX XXXX XXXX ... Then, they tried to " fix '' the additional problem of elder abuse without " fixing '' it ... ..XXXX XXXX  fraudulently sold me a defective car as well, costing me {$2000.00} more and getting fraudulently getting {$2000.00} from me
Product: Mortgage

I have set up to an automatic check by phone with my mortgage lender TD bank. I have attempted to have this drafted on XX/XX/XXXX, they have lost the paperwork once, and after submitting again, still have n't corrected it. when i call, they say they it was n't drafted because its not due until XX/XX/XXXX, and I 'm paying early. i then explain I 'm paying early so it wont be late, they keep giving me the run around. I have spent hours on the phone with TD bank and cant anything accomplished, phone calls are never returned. Before I started this process, I found out they had mis-applied a payment, and were showing my account in delinquent status, because they posted one of my payments to principal instead of as a payment. I 'm not sure if my account was fixed correctly, since it happened 6 months ago before I caught it.
Product: Credit card

To whom it may concern, Truist Financial offered a 0 % promo until XX/XX/XXXX, we decided to accept the offer on XX/XX/XXXX. We submitted our request for {$8500.00} having a {$9000.00} limit that allowed for the fees. We were extremely grateful for this offer as we had a major experience and we wanted to float it until tax time. We noticed there was no balance showing up so we reached out to Trusit Customer Service on XX/XX/XXXX. We were informed that they attempted to reach us on XX/XX/XXXX ( we have no phone record of this attempt ) and no email, mail, text, or additional call, and were informed they fraud canceled our transfer. So while on the phone with Truist we went through all the disclosures, promo offer of 0 % APR until XX/XX/XXXX, amounts, etc. During this call, they sent me a text message for security confirmation that it was me on the call. This number was saved in their information, confirming my phone could receive messages from their business and was not a case of their fraud department having the wrong number. We noticed on XX/XX/XXXX we still saw no activity, we called again to Trusit customer service and we were assured our balance transfer was still processing and could take up to 30 days to reflect the activity. I was nervous again as it's XX/XX/XXXX and I still see no activity on either side. We called again today XX/XX/XXXX to be told fraud canceled our transfer again, not a call, text, email or mail warning us again, not that our card was frozen for possible fraud, just canceled. And now the promo offer has expired and they do not seem like they are going to honor it, saying it will be turned over to the Research Department to contact us, but no information on the length of time to even receive a call, let alone how long it could take this department to make any kind of decision. It seems very fraudulent as if they were just waiting long enough for the promotion to expire and we would be charged over 19 % interest.
Product: Mortgage

My wife and I borrowed to buy our home from XXXX XXXX XXXX XX/XX/XXXX. She passed away suddenly on XX/XX/XXXX. My mortgage had been purchased by Wells Fargo Home Mortgage several years prior. The people denied all help and even made reference to my XXXX marriage saying I could use my " XXXX '' as an excuse to blame their treatment of me after my wife of almost 20 years passed away. The person that make the insulting statement was XXXX XXXX. He spelled it for me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

orignal creditor was the XXXX XXXX XXXX  this card has changed hands by several dept collection agencys several years ago you sent me a letter stating i did not have to pay this credit card company when i moved i lost the paper work plus im on social security and ssi so i do not feel i have to pay this company now spring oaks refuses to accept this account as agreed by you people that i didnt have to pay this
Product: Checking or savings account

I have been a customer of USAA for many years now. My wife is linked on my account as well. I have never had an issue with deposits and fund availability until recently. My daughter who is currently a service member was scammed out of a lot of money and my wife is listed on her usaa account as well. Usaa is now holding all checks deposited into my account unfairly. I have questioned it and was told its due to my wife being linked to my daughters account. My wife does no deposits on the USAA account and its honestly my sole account. I have requested it to stop and usaa is not acting on it. Yet again showing how they truly dont care about their veterans and long time customers
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is part of the Fair Credit Reporting Act and it outlines the Congressional findings and statement of purpose regarding consumer reporting. This section emphasizes the importance of fair and accurate credit reporting for the efficient functioning of the banking system and the publics confidence in it. It highlights the role of consumer reporting agencies in assembling and evaluating consumer credit and other information and underscores the need for these agencies to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. The purpose of this section is to ensure that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am unable to receive my free weekly credit report from Transunion. I have tried several times, and always receive the same message : 'Unable to complete your request online, '' and am directed to fill out a form to request my report in writing. Unfortunately, the request form states that I can only request a credit report once a year, and I want to be able to access my credit report weekly ( if needed ), which XXXX offers on its site ( " Free weekly online credit reports are available from XXXX, XXXX and TransUnion. '' ) I would like explanation from Transunion about why I can't get an online credit report and more importantly, how I can rectify the situation so that I can get an online credit report and take advantage of weekly access to this information. 

Only having access to my credit reports annually is not much use, but this is my only recourse given my current circumstances. Thank you for any assistance.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged account removed from my consumer report. Experian and XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Crefit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation.
Product: Mortgage

I was told by my 2nd mortgage company XXXX XXXX XXXX or XXXX  XXXX  that they sold my loan to Dycko'neal that my balance was XXXX that my first payment with them was going to be on XX/XX/2021 I tried to make a payment and call them. the woman that answer told me that she did not have any information on the account that it was new that they will send me a letter. 
the first letter they send was confirming the same amount XXXX but on XX/XX/XXXX they send me a letter saying that they made an error and that I owe them XXXX because of interest, how is this possible from one month to another I don't understand is this even legal not once they ask me if I was to pay the whole balance of XXXX and they never told me what interest they were going to charge if I did not pay the whole XXXX with my prior XXXX  XXXXXXXX XXXX I was paying XXXX a month no interest afterI modified my first mortgage with XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Early warning services has entered a bank account Account # : XXXX From XXXX 

This is not my account i have never opened in this account Or lived at the address entered
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX, XXXX Amount : {$840.00} XXXX XXXX Account # XXXX Amount : {$220.00} XXXX XXXX XXXX  Account # : XXXX Amount : {$7600.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card. 
Please ensure that these documents are taken into account during your investigation. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. if you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past XXXX months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : $ {$15000.00} "
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 XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Collection XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX | XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX  | XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXXXXXX | XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A.

Section 2 : It also states that a consumer reporting agency can not furnish an 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 and 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 or may be inaccurate.
Product: Debt collection

I sent a request for validation by certified mail to debt collector and a request to limit communication only to writing and the collector has not responded to both of my requests and continues to call spouse 's phone to collect. I still have no validation of the alleged debt and collectors are still pursuing failing to comply with the FDCPA section 809 law.
Product: Credit reporting, credit repair services, 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 Balance : {$10.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX Balance {$10.00}
Product: Credit reporting or other personal consumer reports

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER, given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. 
After checking all three of my consumers reports with ( Transunion, XXXX and XXXX ) I have no knowledge of the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On this date being XX/XX/XXXX, This letter serves as a complaint against Rushmore Loan Management Services for my property located at XXXX XXXX XXXX XXXX, New York zip code is  XXXX. The complaint stems from the following : 1. Failure to Acknowledge all Documents had been Received by the Servicer 2. Failure to Appropriately Contact The Borrower for Property Inspection The Servicer forwarded a letter dated XX/XX/XXXX requesting additional documents. On XX/XX/XXXX I finalized the completion of my Loss Mitigation Application this would include providing any/all required documents and/or statements to the Servicer. According to RESPA 12 CFR 1024.41 ( b ) The Servicer must notify the borrower in less than 5 days excluding legal public holidays and Sundays that they have received the application and state whether it is complete or incomplete. 
If no foreclosure sale is scheduled as of the date the Servicer receives a complete loss mitigation application, the application is considered received more than 90 days before the foreclosure sale according to RESPA 12 CFR 1024.41 ( b ) ( 3 ) On 2/25/20 I was contacted by a third party realtor who stated my mortgage company wanted them to conduct a " broker 's opinion ''. They never mentioned the Servicer 's name and considering I have received several contacts from various realtors/private investors interested in my property. I responded by disallowing the realtor access since I thought it could have been a fraud scheme. However, I was contacted by the Servicer to correspond with the realtor to take pictures of the interior of the property. 
The problem is I am working out of town on business until XX/XX/XXXX, if I had received proper notification that the Servicer selected my property for an inspection I could have made other arrangements. The Servicer did not provide proper written notification regarding a timeframe in which they were seeking to have the inspection conducted. 
In conclusion, In a letter dated XX/XX/XXXX, the Servicer stated the home loan is 75 days and {$740.00} in default. However, the Servicer has failed to provide any foreclosure alternatives such as Short Term Forbearance Plan and/or Repayment Plan. 
I have displayed my abilities to pay the mortgage on a monthly basis. I have continued to make payments of {$350.00} although payments have decreased to {$330.00} effective XX/XX/XXXX. 
I will be out of town until XX/XX/XXXX and to accelerate the inspection process the Servicer may exercise their discretion by utilizing a drive-by and property comparison analysis to support their property assessment. In addition, the Servicer has easy access to the city and/or county property records. The fact remains that I am requesting mortgage assistance for a debt that I dispute. I do not wish to have any additional inspection fees or charges allocated to my account. The Servicer has not adhered t
o RESPA laws as they pertain. The Servicer is willing to put me on an ongoing roller coaster ride and foreclosure for a small delinquent amount.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX due to XXXX  XXXX & Natural Disaster XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX  ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances ' getting home. XXXX violates my rights as a consumer, as well as federal laws.