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

Im 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602a. States I have a right to privacy. 

15 USC 1681 section 604a. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 7 years.

15 USC 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

I was included in 2 company breaches that Im aware of at this time. I have contacted XXXX XXXX and Equifax by mail and called information has been placed on my credit report Inaccurate addresses that are not mine I have no accounts with these addresses I have contacted one of the companies that placed a collection account on my report that was removed, however they refuse to remove the addresses that are not my current address, I have sent proof of my current address with a copy of my id and current utility bill. Please help I just want my current address updated as I am trying to clean up my credit report with current and accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$3500.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3900.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$160.00}. Inquiries : XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 RE : You Violated the United States Code Law There Should be no late payments if a finance charge was involved. Finance charge is the sum of all charges so theres no late payments.

15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

There Should be no late payments if a finance charge was involved. Finance charge is the sum of all charges so theres no late payments. They should all be removed from my consumer report under 15 USC 1605 ( a ).

As a consumer by law these accounts on this letter must be updated to paid as agreed immediately or I will seek monetary damages for violation of my right 15 USC 1605 ( a ) in small claims court in my city and state under 15 USC 1681n civil liability because I have been violated. Also, I already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 

XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX
Product: Mortgage

M & T Bank is using escrow ( Tax, and Insurance ) tactic fabricate default of my mortgage, while increasing my monthly mortgage payment from {$860.00} to {$910.00} ; A the same time M & T Bank has refunded escrow excess of {$980.00} within the past 12 months. M & T Bank also claim that I have a default mortgage balance of {$2700.00}, given the fact that I have consistently made mortgage payments of {$870.00} for the past 15 months. I've called them about this discrepancy, and they continue to ignore my inquires while saying its due to changes in my Taxes and Insurance. I vehemently disagree, my real-estate Tax does not change given the fact that I have 20 year Tax abatement with the city of New York ; I currently on year 13 of that tax abatement. In regards to Insurance, I have sent evidence of my home owners and condo insurance to M & T several times. Mortgage premium and the default increase is unfounded ; I have express this to M & T but rudely treated with collection tactics and told to pay excess amount.
Product: Debt collection

Hunter warfield inc has a collection on my credit report on behalf of XXXX XXXX at XXXX XXXX for the amount of {$3000.00}. I do not owe this money and I have an email from XXXX  XXXX at XXXX XXXX  starting my account with them is settled. I have also not recieved any letter, statements, etc from Hunter warfield in regards to this. I request that this be removed from my credit report with XXXX, XXXX, and XXXX immediately. 

-- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Sent : Mon, XX/XX/2017 XXXX XXXX Subject : Collection acct. correction   Good morning Ms. XXXX, As per our conversation this morning this mail is to confirm that we have addressed Hunter Warfield about your account clearance, and today again I emailed the client service at Hunter Warfield to get a confirmation letter releasing the account from collection as per approval from our Regional manager. 

We have corrected your account and waived the termination fee. 



Respectfully, XXXX XXXX Assistant Manager XXXX  XXXX  at XXXX XXXX
Product: Checking or savings account

I received checks from TD bank under my name and address. I called up TD bank and they flagged it for identity fraud. They advised to file a complaint with the Federal Trade Commission.
Product: Mortgage

I have had a mortgage with this Mr.Cooper mortgage company. In the many years that I have had a mortgage company, I have always had home insurance as part of Mr. Cooper 's guidelines. As a former insurance agent, I would never, ever go WITHOUT HOMEOWNERS INSURANCE, in fact, I always pay my mortgage insurance for 1 year. If anyone in California knows homeowners insurance insurance, it's been going up and up making it so unaffordable, some companies are not insuring homes in California. I had homeowners insurance with a large company, XXXX paying {$1200.00} a year, and auto insurance with XXXX. When I found out XXXX did home and auto insurance I thought get a home and auto discount with XXXX and save some money. 
So, I started my XXXX homeowners policy and canceled my homeowner 's policy with XXXX. I was saving {$400.00} with XXXX, a home and auto discount. Great but my mortgage company Mr. Cooper said, XXXX is a " B '' rated homeowners insurance company. When I purchased my homeowner 's policy with XXXX, I did not know they were rated with a " B '' rating. So, I received a great homeowners policy with XXXX. I lost my home and auto discount and received a better company with XXXX. So, I've always had homeowners insurance, Mr. Cooper says due to it being a " B '' rated company, you were NOT INSURED! So, I gave them all the proof they needed, showed them I've always had insurance, never went without insurance, I've never missed a payment, Mr.Cooper FORCE PLACED homeowners insurance for 1 month, and after I had shown proof of insurance, they still made me pay an extra $ XXXX.I was never advised that I could not get a " B '' rated homeowners policy. To this day, thank God I have never had a loss.
Product: Checking or savings account

On XX/XX/XXXX, {$7100.00} was fraudulently withdrawn from both my checking and savings accounts ( Bank of America ) in four separate transactions. {$1100.00} was withdrawn from my checking account, and three separate withdrawals of {$2000.00} each were withdrawn from my savings account. When I checked my mobile banking account the next day on XX/XX/XXXX, I had noticed this change and immediately submitted two claims, one for each account. I was told that these claims would take up to 60 business days to review.

Since then, as of XX/XX/XXXX, both claims have now been past their 60 business day limit, and throughout this entire time I would call once or twice a week to see if they had any updates. I am shocked to see how someone could fraudulently withdraw {$7100.00} from my account and not have any alerts go off. I have also filed a police report and added it to the claims, but no further updates have been received on my end. I was told that they would have the results of the review for me, but it has been radio silence on Bank of America 's end. This has been extremely frustrating for me, as they are taking so long to review my claims and I am short {$7100.00} dollars.
Product: Checking or savings account

I deposited a check from XXXX XXXX XXXX from the State of California. Chase bank has put the funds on hold. I am XXXX  and XXXX  XXXX as a result of a hate crime, a woman sprayed bug spray in my face, and another hit me over the head, I suffered a XXXX XXXX XXXX, and three weeks ago had XXXX XXXX  XXXX in my neck. I was awarded XXXX XXXX from the State of California, yet tonight I am hungry, without food, three weeks after XXXXXXXX XXXX XXXXXXXX. 

Chase gives me a hard time every time I make a large deposit, from a music grant I won from the XXXX XXXX  XXXX  and XXXX XXXX in San Francisco, for {$2000.00}, two deposits of {$680.00} from the City and County of XXXX XXXX, and now a {$910.00} check from the State of California. 

After several calls, each with a different excuse, in my last call a manager told me the check is verified, but the State of California hasn't sent the funds. An interesting commentary on our government, but paramount to our discussion, apparently Chase bank is concerned the State of California, the 5th largest economy in the world, won't come up with the money. Chase bank uses terms like " discretion '' as code, so they can make it easier for some, and harder for others. An industry with a history of redlining, and a year removed from the XXXX  XXXX XXXX scandal of purposely overcharging their customers, one of which was me by the way, has not earned trust. 

I am hungry because Chase bank is keeping me from my money in an obvious display of racism. And I protest in the strongest terms.
Product: Checking or savings account

Early warning system is not following the banking rules. They dont even reply back to letters! They are housing information that is not Accurate! They are creating hardship on my banking account! I cant get no funds for any banks! They are blocking me from opening accounts! I never did any type of fraudulent activity or transactions. Can you show me why I cant not get any checks or saving accounts.
Product: Credit reporting or other personal consumer reports

This collection XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the company that was reporting incorrect information on my credit report and asked them about the collection. I requested validation of debt or anything proving that this collection belongs to me. They said that they couldnt provide me with anything I gave them all the information for riding me and they said that none of the information I gave them match the collection account so they were going to remove this collection because clearly it was a fraudulent collection and they removed it from my credit report and then placed it right back on there
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a report of my credit and two letters closing two credit cards because it has a remark that says serious delinquency and that has lowered my credit greatly, I contacted the companies that have put this comment XXXX XXXX, XXXX XXXX and XXXX, this last one mentioned I still have my active card and they told me that it is not that I am a delinquent but because I have been late in the payment in 2015 they put that remark in the system, and it should be clear that I have no outstanding balance with any of the three companies mentioned ; I think it is very unfair that I be classified as a delinquent for having delayed a payment in the pass. 

The fact that I was late in my payment for some economic problem that I had at that time, does not make me a criminal and now they have that public information that is currently affecting my credit in a catastrophic way.

Please, I need your help, I'm not a criminal ; When I communicated with them, they advised me to get in contact with you. That is why I am asking for your help.
Product: Mortgage

I have been working with Bank of america for years now they have lied numerous time to me, they switched a really good modification on me without even asking me or even telling me the reasons why, even though i made 3 trail payments. and later they said they were going to fix it and they never did, and the payments were a lot more higher then what i was informed, due to that i had to default on my payments. Now im being told my house is being sold even though i provided proof to them and they are very rude and inconsiderate and would never let me speak at all. I will provide a letter of complaint that I faxed over to them because recently i was lied to again and i was told there was a proposal made for me but that was not true, they only made a proposal to the investor and I was n't supposed to know this information. they gave me the information on how much it was supposed to be and even the Assistant Vice President from the Bank of American who was XXXX XXXX even confirmed that I qualify for a modification with my income and expenses, he could n't even understand why i did n't get qualified for a new modification and they were denying me assistance, and he even escalated my case from his end with no positive results. I 'm Attaching the complaint letter that I send to Bank Of America, and the proof of modification that was given to me and they never honored it and they changed to terms of the modification without even letting me know. Even though i made the 3 trail payment which was {$1200.00} on these dates XX/XX/2010,XX/XX/2010,XX/XX/2010. 
I had nowhere else to turn and hopefully I can be assisted by your organization. 
Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed XXXX XXXX XXXX XXXX XXXX  with a {$0.00} balance. 
Account is factually stating incorrectly Account is paid off yet stating as payment status of collection charge off. Both Transunion and XXXX are reporting account paid off with {$0.00} balance with a payment status of charge off. Previously, XXXX reported perfect payments OK as agreed on payment history. after dispute, XXXX removed, partial ok as agree from payment history and replaced it with consecutive charge off. delete last payment with XXXX reports at XX/XX/2016 where payment history is reporting date last payment as XX/XX/XXXX. There is no way that account can be paid off and yet you continue to report the payment status as collection charge off and to delete payment history and replacing with charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXXXXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXXXXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Bank account or service

I deposited a check from my business account at XXXX XXXX into my personal account after hours at Chase ATM machine for {$150000.00} on XX/XX/XXXX. However, the machine only credited my account for {$150.00}! I went to the branch where the ATM is located and informed the discrepancy to a private client banker on XX/XX/XXXX. He talked with Chase head office and was told that the problem will be resolved by XX/XX/XXXX. I even received a letter from Chase customer claims that " my inquiry has been resolved ''. However Chase refused to release the remaining {$150000.00}. After repeated calls to the branch and customer claims center over the past 3 weeks, I have now received this amount BUT only as a TEMPORARY credit until " they investigate the matter further ''. 
Thus, I am afraid to access these funds since they might take this money back from my account and charge me a fee for an overdrawn account In the past, they have charged me a fee of {$75.00} if my balance falls below {$75000.00} even for a few hours. 
I am enclosing a copy of the original check, copy of my account statement, the letter from Chase claiming that " they have discussed and I have agreed that this matter is resolved " - obviously completely untrue, as well as an email that states clearly that the credit is only temporary. I also enclose a notice from XXXX XXXX stating that my business account was debited for {$150000.00} and NOT for {$150.00} by Chase
Product: Debt collection

Dear, Mendelson Law Firm ( representing XXXX XXXX XXXX ) I am writing in response to your recent communication regarding the alleged debt referenced in your ( letter ) dated ( XX/XX/year> ). I dispute the validity of this debt and request that you immediately cease all future communication with me regarding this matter, as authorized by 15 U.S. Code 1692c ( c ). According to the Fair Debt Collection Practices Act ( FDCPA ), under 15 U. S. Code 1692c ( c ), I have the right to request that you cease further communication. Please provide validation of the debt, including the name of the original creditor, the amount owed, and any documentation that supports the validity of the debt, as required by the FDCPA. Thank you for your prompt attention to this matter. 

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

in accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXXXXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint regarding this company. i have put in disputes with all of the credit buereus and with the company requesting validation, i received no responses from the company at all after my first validate request through the US mail. after 45 days of them receiving this letter certified i sent a non response letter, and told them in the letter they received that under the law they have 15 days, 15 days came and went and no response and this negative mark is still on my reports and the CRA 's refuse to remove this from my reports. last night on XXXX i go to their website and put in the account number and my last name to check to see if they still have the account is open and i receive a message that your account is no longer active.
Product: Money transfer, virtual currency, or money service

MONEYGRAM IS FAILING TO REFUND FRAUD INDUCED MONEY TRANSFERS FROM XX/XX/XXXX-XX/XX/XXXX TOTALING {$47.00}, XXXX PLUS {$15.00}, XXXX FOR A GRAND TOTAL OF {$62.00}, XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to ONEMAIN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, IN XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint are XXXX and XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.