23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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, are still listed under my personal information.
Product: Checking or savings account

I was a victim of a fraud in 2020, and at that time I had a checking account with chase, a job that I found online and it was not a legit company they gave me XXXX fraudulent checks and I was not event aware of that. In regards to the payment of the checks, I had resolved it, and chase still not allowed me to open a new checking account from any banks, I had been rejected from XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX Account XXXX ( XXXXXXXX XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I ha

ve 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a mortgage with XXXX ( was with XXXX up until last year ) the mortgage company will not report our " On Time '' Payments to the credit bureaus. 
We have been consistently on time for 10 years but they wont report to bureaus thus negatively affecting our credit score, which costs me every day. Our account number with XXXX is XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, IN XXXX
Product: Mortgage

I contacted LoanCare servicing company, who bought our loan from the original lender after we bought our house, about my recent unemployment here in XXXX XXXX XXXX due to COVID-19 on XX/XX/XXXX. I submitted a request for help thru loss mitigation to see if we would qualify for a deferment for our home loan while we get thru this time. I received an email requesting more information on XX/XX/XXXX and documents to fill out. A LoanCare representative called me on XX/XX/XXXX and explained to me that currently they are not offering any deferment options besides a forbearance option, in which the total amount owed during that forbearance period would come due at the end of that term. If we are struggling to pay our mortgage now, with one of us not working, how would we be able to pay 3 X the amount at the end of that period. I asked if the federal gov't had made any mandates to LoanCare to help with this crisis, such as being able to skip a payment or two and tack it on to the end of the loan term, and she said no. Why is this large company not offering anything to support the people that have and are paying their mortgages on time in a time of pandemic. Other companies/ credit unions like XXXX XXXX XXXX XXXX XXXX and XXXX XXXX in California have offered relief options but LoanCare offers nothing.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed.isputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Received text from fraudulent company using phone number XXXX XXXX Text included following message. 
Regions Free Msgs : Your online banking was locked due to iregular activity. To restore please verfy here : www.region5-protection.club This was the actual text with the incorrect spelling. The worst part is I dont have a regions banking account. This is obvious fraud and I felt the need to report it before someone gets scammed by these very sloppy spellers. Also interesting was the use of .club instead of .com or .org. Thank you for your time and service.
Product: Debt collection

Regards Consumer Financial Protection Bureau In the last 10 months I have been disputing an account with the credit company XXXX and Direct with Midland credit Management who purchased the account after being removed from the credit in 2008 for fraud. In addition, the account appears to belong to XXXX XXXX XXXX and my last name is XXXX XXXX not XXXX, so it is evident the account is completely fraudulent. Since then this collection agency continues to illegally update the account over and over again so that it appears to be a new account from this year. First of all, I did not sign or open an account with Midland, much less with XXXX XXXX. They are breaking the laws by reporting an account from 2008 that was through identity theft and they have to eliminate it out of obligation due to fraud, second because of the last name it doesn't match. And they can't continue harassing me if the debt is NOT mine and I have to pay it if they are not going to send me to court. Those are very strong and misplaced threats. XXXX keeps telling me that the account was verified by Midland Credit, but it does not send me documents of how it was verified. Even though you are sending a police report indicating that you have been a victim of identity theft for several years, I documented the police report, a notarized statement. FTC report and still the account continues to appear in my credit with all my efforts in vain for it to be blocked due to identity theft, and the other 2 agencies XXXX and XXXX have blocked it but XXXX has still refused to do so. 
I am writing to you to investigate and help me with this case as soon as possible. 
The account in reference is from Midland Credit ( XXXX XXXX ) and XXXXXXXX XXXX 
FTC REPORT # XXXX
Product: Debt collection

I received a letter this week from AvanteUSA stating that they are trying to collect a debt for {$1300.00} for XXXX XXXX XXXXXXXX for the date of service 11/26/19. They do not list who the patient was in the letter. They state that they have already attempted to contact me which they have not. On the letter it states that they are willing to settle for the amount of {$330.00} but this amount must be received in their office by XX/XX/XXXXXXXX XXXX XXXX The " current creditor '' is listed as XXXX XXXX XXXX, XXXX. They also said in the letter that due to the age of the debt that they " will not sue me for it '' but this account may continue to be reported to credit reporting agencies as unpaid for as long as the law permits ... '' First, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they went bankrupt in XXXX. I, nor any of my family members were seen at the XXXX  or any of their freestanding XXXX XXXX on this date of service. This was verified by our health insurance that we had at the time. 

I feel like this is a fraudulent debt collector.
Product: Credit card

In XX/XX/XXXX I opened a retail line of credit at XXXX XXXX through HSBC Bank. In XX/XX/XXXX, as a result of obtaining a no-docs predatory loan which, and after being downsized at work, I could no longer afford and could not refinance due to the housing " bubble burst '', I was unable to fulfill my previous financial obligations to HSBC Bank, among others. I voluntarily had my home and car repossessed. In XX/XX/XXXX I moved XXXX for a new job. At no point after XX/XX/XXXX did I have any activity on any of my accounts, which was XXXX years ago last month, yet the derogatory report remains on both my XXXX and XXXX credit reports, longer than the XXXX years allowed by law. This account is too old to be listed and needs to be aged off. I have contacted the credit reporting agencies and they say HSBC has confirmed the debt is still valid and " meets FCRA requirements. '' This is incorrect. HSBC is in violation of The U.S. Fair Credit Reporting Act on this matter in regards to the age of this debt. There exists no evidence of activity on this account after XX/XX/XXXX. If HSBC can not provide this evidence, and I know they can not, they need to correct this with the credit reporting agencies immediately. 

Please note that this account has already been found to not meet FCRA requirements by XXXX credit reporting agency. The collection agency which HSBC sold this debt to, XXXX XXXX, has also been found to not meet FCRA requirements by all XXXX credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. I demand that these inquiries, collections, and accounts be removed from my credit profile immediately. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} Account Number : XXXX Delete from my credit report. XXXX XXXX XXXX - {$0.00} Account Number : XXXX Delete from my credit report. XXXX - XXXX XXXX XXXX XXXX {$490.00} Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$29.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4 I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

PLEASE REMOVE ALL CLOSED ACCOUNTS LISTED BELOW. 

CLOSED ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

For more than six years, I have had a Citibank account. Roughly once a month, I do a wire transfer from the Citi account to my XXXX bank account ( XXXX ), because I work in XXXX for an American company. I long ago set up a wire-transfer model/template on Citi 's website so I do n't have to constantly reenter the beneficiary bank information, which never changes. This process had worked seamlessly dozens, perhaps hundreds, of times. Then, on XXXX XXXX, 2016, I executed a wire transfer for {$10000.00}. ( Based on an exchange rate of about {$1.00} per pound, this would have converted into approximately XXXX XXXX. ) A week later, the money had n't arrived in my XXXX account. So I called Citi. They confirmed that the wire had been properly executed and said they 'd look into why I had n't received the money yet. They said that, upon resolution, if there turned out to have been a mistake, I had the choice of either having the {$10000.00} reinstated into my Citi account or having the equivalent in pounds transferred to the beneficiary account. By then I had arranged for an alternate source of money to be transferred to my XXXX account, so I told Citi that I would like to have the {$10000.00} returned. A few days later, around XXXX XXXX, having heard nothing from Citi, I called back. This time, they suggested that I amend my XXXX XXXX wire transfer to include an XXXX number. ( I 'd never included this before, because Citi 's template only requested a sort code, account number, and bank mailing address, and the process had always worked smoothly. ) I provided the XXXX over the phone and was told the transfer would now be executed. 

Two weeks later ( and four weeks after my original wire transfer ), on XXXX XXXX, I received notification from Citi that the transfer had been unsuccessful and they could either resubmit it again or refund the money. The catch was that the money had already been converted into pounds and, because of the steep devaluation of the XXXX due to XXXX, Citi would only refund {$9200.00} to my account. In other words, I would be stuck with a loss of roughly {$800.00}. A string of supervisors at Citi refused to budge, saying I had no other options. 

I still do not know what caused the wire transfer to not reach its intended destination, but I do know that it was not my fault. I used the same information for the beneficiary account that I have used dozens of times in the past, and ( since it is my own personal account ) I know that the information was and remains correct. It seems grossly unfair for me to suffer a huge loss due to someone else 's mistake. Please help!
Product: Debt collection

Subject : Urgent Request for Resolution of Incorrect Debt Collection Notice Dear Consumer Financial Protection Bureau, I am writing to urgently bring to your attention a concerning matter regarding a debt collection notice I received from Synter Resource Group, LLC, pertaining to an alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX. The referenced account number is XXXX, and their file number is XXXX. 

Upon receiving this notice, I was alarmed to discover that I supposedly owed {$50.00} to XXXX XXXX XXXX XXXX XXXX XXXX for a debt that I neither recognize nor am responsible for. To clarify, I have never entered into any agreement with XXXX XXXX XXXX XXXX XXXX XXXX, nor have I signed any documentation obligating me to pay such a debt. 

This is not the first time I have encountered such an issue with Synter Resource Group , LLC . Last year, they sent me a bill for {$25.00} under similar circumstances, which I promptly paid to avoid any potential damage to my credit. However, I refuse to be subjected to such unjustified demands repeatedly. 

I want to emphasize that I have maintained a good credit history, and I am deeply concerned that false claims like these could adversely affect my credit score. It is crucial to rectify this situation promptly to prevent any unwarranted harm to my financial reputation. 

I have already contacted Synter Resource Group, LLC, expressing my dispute regarding this debt. However, I am reaching out to your esteemed bureau to seek further assistance in resolving this matter swiftly and conclusively. I request your intervention to investigate this erroneous debt collection attempt and ensure that my rights as a consumer are protected. 

I kindly ask for your guidance on the appropriate steps to take to address this issue effectively. Additionally, I urge you to take necessary actions to prevent Synter Resource Group, LLC, from engaging in such deceptive practices in the future. 

Thank you for your attention to this matter. I eagerly await your prompt response and assistance in resolving this troubling situation. 

Sincerely, Applicant My Contact : XXXX XXXX
Product: Mortgage

In XXXX due to XXXX and the lockdown I called Fay Servicing to let them know I was not able to afford my payment and was looking for some assistance. I was never offered any assistance Fay serving said they would mail out an application to assess if I qualified for any assistance which I never received.

Fay Servicing suggested we try and list the property which we did and got multiple offers. One was a cash offer of {$550000.00}. They would not short sell it for the difference of under XXXX XXXX. 

The house was listed on the XXXX on XX/XX/XXXX. 

We also let them know we had moved all our belongings before the listing date. 
We had told them our new address that we moved to. We were no longer living there and the pictures on the XXXX showed this. 
On XX/XX/XXXX I had emailed them paperwork for a possible Deed in leu of foreclosure. 

On XX/XX/XXXX, they sent out XXXX XXXX- to do an interior inspection of the property to take a picture of each room in the house. 

She mentioned that she noticed the power was off and I told her I already turned off all utilities. The result of the inspection indicated house was in good shape and should be listed at fair market value. 

At that point based on their inspection we were approved for a deed in leu of foreclosure. 

So, XXXX was told to proceed as a fair market evaluation and approval of Deed in XXXX of Foreclosure XX/XX/XXXX : I asked XXXX ( Fay Servicing ) and if they would be winterizing the home and she said XXXX worry about that ). 

I was in regular communication weekly/biweekly with phones calls from XXXX at XXXX XXXX. Regarding status of completed Deed in XXXX of XXXX XXXX XXXX, she is a Senior Property Preservation XXXX contracted by by XXXX Outsourching see below secured by Fay Servicing XXXX in XXXX. She called XXXX XXXX and said the property had been abandoned. 

[ Ive included the following : a mortgage statement dated XX/XX/XXXX indicating my current address Letter dated XX/XX/XXXX from Fay Servicing regarding the Deed in Lue of Foreclosure indicating my current address. 

XX/XX/XXXX Authorization to release information for the deed in lieu of foreclosure ]
Product: Credit reporting or other personal consumer reports

Being a victim of identity theft is a crisis trying to obtain your name back, I have sent in a report all to no prevail when it comes to transunion in whom needs to be sued for taking me through all this knowingly knowing what they doing is against consumer law. These accounts are not mines and therefore I'm demanding the immediate removal of the following accounts. 

XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are erroneous and imprecise for I have not remembered having these items. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the items be DELETED to correct the information.
Product: Checking or savings account

Entity : Credit Karma/XX/XX/XXXXDetails : - Opened Credit Karma checking account on XXXX/XXXX/21 through XXXX. 
- Reason the account was opened because XXXX offered {$50.00} if my tax returns were deposited in this accounts and needed to set up direct deposit by XX/XX//21. 
- Confirmed this offer again over email. I have a record of them repeating the offer. 
- No money deposited on promised date ( XXXX/XXXX/21 ) and support denies the offer ever existed. 
- Complaint regarding deceptive practices and false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX has flagged me as a deliquent payer for supposedly an unpaid debt of {$1100.00} with XXXX XXXX XXXX. This case was filed XX/XX/2021. No one from XXXX, XXXX has ever contacted me about this debt. I never had an account with XXXX XXXX XXXX in my lifetime. I have been dealing with debt collection agencies regarding unpaid debt of identical amount like it's just being passed around. I have reported awhile back to all 3 credit reporting agencies that I suspected that my identity was stolen. I've contacted Experian about this to contest this report that has a negative impact on my credit rating.This report is fraudulent and is hurting my credit rating. My credit score used to be above XXXX before all this identity theft has happened. I have excellent payment history and is being ruined by scams like this.I need help this correct this. I have attached a copy of a previous complaint I filed with an identical amount trying to be collected from me
Product: Checking or savings account

On XX/XX/XXXX I had ordered XXXX from XXXX I have not received anything by since then when provided photos of delivery when I have video proof of ups not handling delivery right, I begged XXXX XXXX to please make hand signature verification and was told no even doe it is a high amount of amount and I even begged her to plesss have package dispursed in a secure location I was only ignored and this leads me now in debt I will file a small claims court order this is beyond ruckus I hate XXXX and will never order from this horrible website the worst support in the world, not one person responds after 6 hours of incompatible ignorant workers
Product: Credit reporting, credit repair services, or other personal consumer reports

the loan was paid off but XXXX. and Equifax show negative. from XX/XX/XXXX to XX/XX/XXXX no payments were late or missed.
Product: Checking or savings account

To : XXXXXXXXXXXX ; I called in to put a STOP Payment on an ACH authorized payment and told the XXXX Customer Service representative exactly why. He replied the fee would be XXXX XXXX for the bank to STOP and reverse payment. I told him since I am calling in advance to STOP it ahead of time so that it would not have to be reversed. He then agreed to waive the XXXX and STOP the ACH from taking from my checking account. Then today XXXX/XXXX/XXXX I called to check my balance and it said XXXX. I called in at XXXX a.m. Another Spanish customer Service representative told me my account would be credited the fees from the overdraft and XXXX and quickly transferred me to the claims department to cover up their mistake. They made me submit a claim after they never reversed it and charged extra fees. The claim number they gave me was # XXXX. 
They were supposed to STOP payment ahead of time.. Days ahead of time. Why they are making me submit a claim for their mistake does not seem like proper bank protocol.