23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband had his 3rd XXXX  XXXX on XX/XX/2019. He was on XXXX XXXX. with reduced income till XX/XX/2019. When he returned to work he was Fired! We were already behind on the mortgage before his XXXX. My husband is working full time again & I work part-time. My mortgage company is Bayview. I have applied 3 times for a modification. Bayview responds back with higher monthly payments to get us caught up. My current payment is {$1300.00} with 5 % interest. We cant afford this much less a higher payment. If Bayview would put my late payments @ the end of my loan & lower my interest rate we could afford it! We owe about {$130000.00}. We have lived in our house for 14years.
Product: Credit reporting

XXXX XXXX Bank issued a new disclosure they would be dramatically increasing my rate, on a credit report rating based upon information received from equifax. Under XXXX disclosure Under Federal Law, you have the right to obtain a copy of your credit report without charge for 60 days after you received this notice ( notice date XXXX XXXX, 2016. To obtain your free report, contact Equifax. on the web : Visit equifax.com. Equifax site required signing up for their service, with the option of canceling at any time. This was done today and Equifax would not refund The {$19.00} saying I used their service. Their website did not give an option of free credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT HAS VIOLATED MY RIGHTS. 

15 USC 1681 ASECTION 602 A. STATES I HAVE THE RIGHT TO PRIVacy.

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

15usc 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

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. 

US DEPT. OF EDUCATION/XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing an account that appears on my credit report under the name of XXXX XXXX XXXX, which I believe was opened fraudulently without my authorization. Here are the relevant details : Account Opened : XX/XX/XXXX Account Balance : {$XXXX} High Credit : {$XXXX} Status : Derogatory, transferred to collections Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I became aware of this account when reviewing my credit report on XX/XX/XXXX. I have no knowledge of this auto loan or any interactions with XXXX XXXX XXXX. The account includes comments stating it has been transferred to recovery and assigned to an attorney, collection agency, or credit grantors internal collection department. 

Actions I Have Taken XXXX. Notified Credit Bureaus : I filed disputes with TransUnion, XXXX, and XXXX on XX/XX/XXXX, requesting verification of this account and its removal from my credit file, as it does not belong to me. 
XXXX. Filed Government Complaints : I filed complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, describing the fraudulent nature of this account and its impact on my credit. Case numbers are available upon request. 
XXXX. Requested Information from XXXX XXXX XXXX : On XX/XX/XXXX, I formally requested verification and documentation of the account from XXXX XXXX XXXX. 

Impact This fraudulent account has negatively affected my XXXX XXXX and financial standing. I have no record of signing or agreeing to this loan, and I have taken all steps within my ability to dispute this fraudulent activity. I respectfully request XXXX XXXX XXXX to promptly investigate this matter and provide any necessary documentation to resolve this issue. 

Thank you for your attention to this matter.
Product: Debt collection

Keep getting repeated unwanted calls and information being shared onlinespamming emails and other personal information being leakedalso false addresses that i dont live at
Product: Credit card or prepaid card

When I received a statement for renewal, I informed the company by mail that I did not want to renew and told them to void the card. I have never used the card since then and actually did not use it for some time previous to that. They continued to send me a statement showing the {$99.00} renewal fee. I have telephoned them and sent letters to their actual office [ not the bank to whom you mail payments ] and as of today, some months later, I am receiving " past due '' statements for the {$99.00} for a credit card I do not want or have used in more than at least a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my Experian Credit Report and there are 2 listed accounts that are fraud off of my credit report and reporting negatively and fruadulently. I have never held any services or received any good from the listed creditors ; XXXX XXXX XXXX XXXX Partial Acccount # XXXX ) This account was opened in fraud by someone who used my personal information to obtain. I have been going back and forth with bureau to get any identifying information on this fraudulent auto loan. ( Names, dates, signatures, payment accounts, addresses, etc. 

XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) This account was also opened in fraud. 

I have filed identity theft forms, and also police reports, I can not take it to the next level of legal/ court standpoint because the credit bureaus will not furnish me with any identifying information on these fraudulent debts in my name. 

When these account were opened I was living in XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is over a bad credit tick Kohls put on my report. On XX/XX/2019 I used my kohls credit card to pay for a purchase of {$140.00}. I immediately paid off the balance with my debit card in the kohls store. The cashier mistakingly applied my payment to someone else kohls charge making it appear as though I had not made the payment. Kohls attempted to charge me the total of XXXX plus interest and late fees making my total {$210.00}. I disputed this and got things taken care of on that end. I am now trying to get the bad credit tick they gave me removed from my history. As I was not actually late making my payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Mortgage

Provided all requested documentation and was denied due to incomplete information. I have all of the emails to the company at the following times sending all information : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All documentation was sent ; however, I was told that they were missing documentation. This is not the case. 

/thank you,
Product: Credit reporting or other personal consumer reports

These inaccuracies in the personal information on my credit report are unacceptable and a clear violation of 15 USC 1681 e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. The incorrect details include the name variation XXXX XXXX XXXX, my accurate name is XXXX XXXX XXXX. The other variation of my name, please correct or remove it. Incorrect addresses XXXX XXXX XXXX XXXX, NJ XXXX and XXXX XXXX XXXX XXXX, NJ XXXX should be removed. You can look to my supporting documents for an accurate address. I'm currently self-employed, please remove other employers listed on my credit report as they are incorrect variations such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ, XXXX XXXX XXXX XXXX XXXX Besides, under 15 USC 1681b, consumer reports can only be furnished for permissible purposes explicitly defined by law. Reporting these without my consent is a clear violation. This matter demands immediate investigation and correction without delay.
Product: Debt collection

Eastern Account System , Inc. is attempting to collect a debt from me that is the result of identity theft. Eastern Account System , Inc. claims that the last four of my social security number matches that of the one used on the account, but the address that is listed on the account does not, nor has it ever belonged to me. The addresses listed on my consumer reports that Eastern Account System , Inc. has wrongfully and illegally placed this debt, as stated in my previous complaint, does not list the address for the alleged account. Furthermore, this points to the fact that Eastern Account System , Inc. and the credit bureaus did not do a proper investigation into this matter. In addition, Eastern Account System , Inc. sent a copy of a bill as validation of this debt. This is not a proper validation at all. As I previously stated in my initial complaint, there is more than one person in XXXX that has the same name as I do. This debt does not, nor has it ever belonged to me.
Product: Debt collection

My late husband 's car was impounded by XXXX XXXX XXXX XXXX. They sent us the bill and we sent them the check with full amount of XXXX. 

One year later XXXX we got another letter from Washington Collectors Tri-Cities. We called them and told them we already paid and we did not owe any money. They asked us to send them the copy of the check and the dispute letter. So we faxed them. We thought the case was settled. 

But XXXX the collection company sent us a collection letter again. So I called them and they said contacted XXXX XXXX and they said it was not the full amount. And now the original amount is XXXX. We never received the letter that the amount was XXXX. It was XXXX. They must have added the interest. So I explained the situation to a person in charge. She said she will bring up the case in the meeting next morning. We assumed that it was settled. 

My husband had a XXXX XXXX XXXX and we were under a lot of stress. And I did not responded when they sent us another collection letter we got XXXX he passed away XX/XX/XXXX.
Product: Debt collection

WAKEFIELD WAS SENT A CEASE AND DESIST AND DON ; T CALL LETTERS IN XXXX. WE STILL GET CALLES FROM THEM IN VIOLATION OF FDCPA AND TCPA, SEE PHONE RECORDS AND VIOCE RECORDINGS ATTACHED.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that I believe are a result of fraud. Please investigate these items as soon as possible and remove them from my credit report. 
Below are the details of the fraudulent accounts : Account name : Source Receivables Date opened : XX/XX/XXXX Total amount : {$470.00} Account name : XXXX XXXX XXXX In Date opened : XX/XX/XXXX Total amount {$0.00} I did not open these accounts or authorize anyone else to open them on my behalf. This is a clear case of identity theft, and I request that these fraudulent entries be removed from my credit report immediately. 

Enclosed with this letter are copies of relevant documents supporting my claim of identity theft. 
Please investigate this matter promptly and provide me with a written confirmation of the actions taken to resolve this dispute. I also request that you provide me with an updated copy of my credit report once these fraudulent accounts have been removed. 

Thank you for your immediate attention to this matter.
Product: Mortgage

HSBC/Beneficial does not know how to do basic accounting. The error occurred in XXXX XXXX when they applied payments received for the XXXX mortgage payment to XXXX XXXX. This is evidenced by their letter dated XXXX XXXX, XXXX which stated that we could lose our home because it was 30 days in default. They sent a total of XXXX copies of this letter : XXXX that were sent certified mail ( 1 for my husband 1 for myself ) to the same address and XXXX that were sent my regular mail. Apparently they do n't know how to read their own records. At that time they knew the loan had been sold to XXXX as they sent us a letter dated the same day notifying us that the loan would be serviced by XXXX effective XXXX XXXX, XXXX. In that letter they tried to collect {$2200.00} by XXXX/XXXX/XXXX which is past the date that they would be servicing our account. In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the records sent by HSBC employee XXXX XXXX that were sent post " XXXX XXXX reconciliation audit. '' How many different audits does it take? 
In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX, XXXX, Chapter XXXX Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments. 
In a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX by XXXX XXXX of HSBC they stated to the NYS Attorney General 's office : " An audit has been completed. '' " We have completed reconciliation ... .and can confirm that the account status is accurate. '' " Account is current. The next payment is due on XXXX XXXX, XXXX in the amount of {$1000.00}. '' Instead the next payments were applied to XXXX XXXX that should have been applied to XXXX XXXX per their letter to XXXX XXXX XXXX of the NYS Attorney General 's Office. This starts the cascade of accounting errors which they are still unable to correctly identify and rectify. They also spent 2 years telling us that they had no responsibility to rectify the errors they passed on to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amsher Collection is a fraudulent account on my credit I didnt open this account nor do I have any idea what this account is please remove this account from my credit
Product: Checking or savings account

I opened an account on XXXX, using a US Treasury check as my initial deposit. A hold was placed on the funds, and I was given dates of when the funds would be available. However, those dates came and passed, and the account and funds remained locked. I was then notified the account was being closed due to suspected fraud. I supplied all supporting documents, the check was verified by them with the Treasury, and the Treasury remitted payment in full to the bank. Account still being closed and funds held until XX/XX/year> or later. There is no reasonable doubt to suspect fraud or justify the extended hold. The branch manager is even taking responsibility for any potential loss, just so loss prevention will remove the hold. That is still going to take another 24-48 " business hours ''. These funds are retroactive XXXX payments for XXXX years, sent to me as a " dire need '' payment. I became homeless while waiting for these funds, and am now ineligible for any public assistance because these funds show as being paid to me. I'm being physically and mentally harmed, and irreversible damage is being caused.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : Transunion Account ( Name : XXXX XXXX  Acct. # XXXX ) Equifax Account ( XXXX : XXXX XXXX, Acct. # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Ive sent a request for validation from XXXX XXXX XXXX. This includes copies of documentation that represents a legal ledger in form of Purchase Agreement, Bill of Sale, or transfer of title. Furthermore, it must include a copy of the original agreement made with the principal creditor, XXXX Bank, and myself, outlined by my legal name. 
The document sent by XXXX XXXX XXXX is a statement that represents an account number and some billing statements that represent an account I had formally held with XXXX Bank. The Document doesnt represent a legal ledger in anyway. There is nothing that represents a purchase of such accounts. There is nothing that represents the amount paid, terms of the sales, principal agreements with parties involved. 
The document sent is Considered Hearsay, and I had recently won a judgment against XXXX XXXX under this very same pretense. The XXXX filed a lawsuit in pursuant of an alleged debt and a could not produce purchase agreement to validate that XXXX titleship of such accounts. 
PLEASE DELETE XXXX XXXX  FROM MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO PRODUCE LEGAL DOCUMENTATION THAT PROVES TITLESHIP OF THIS ACCOUNT. 

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

I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than XXXX  days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.
Product: Checking or savings account

I called Citibank 5 times to close an account and got hung up on 4 times. The only time that I got to talk to someone in the department responsible for closing my account turned around and gave me a phone number to call. To add insult to injury, the phone number he gave me doesn't even work! 

There are no branches in my area anymore and I have no way to physically go to a branch and close it. 

Every time I called the customer service line, every person who answered is from other part of the world. I had a woman put me on hold ( before it was disconnected ) and I could hear a rooster in the background! 

This is a pathetic joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax previously deleted and permanently blocked the following fraudulent and unauthorized accounts between XX/XX/XXXX-XX/XX/XXXX from my Equifax credit report, now the accounts is back on my Equifax credit report : XXXX XXXX XXXX and XXXX XXXX. The accounts are fraudulent and unauthorized, and dont belong to me. Equifax previously deleted and permanently blocked the accounts from my Equifax credit report.
Product: Credit card or prepaid card

On XXXX XXXX I received several calls from American Express Serve Fraud Division, after the 4th call at XXXX XXXX, I answered the 5th call and was asked if I was out of state as there were 2 attempts to charge at XXXX in XXXX, GA, one for over {$500.00} and the other for over {$120.00}. 
I was advised that the card was compromised and not to use it or try to log in to the on line account as it may not allow me access if the account was compromised and within 24-48 hours I would receive a new card, All this was verbally said to me then I was asked for the code on back of the card in order to verify that I had the card in my possession and I wasn't out of State. 

After 2 days of not receiving a new card I subsequently logged into my account and discovered all monies had been taken out of my account and the sub account had been depleted as well. 

On XX/XX/19 {$410.00} taken out from XXXX in XXXX, FL ; XX/XX/19 {$620.00} taken out at XXXX in XXXX FL ; and at another location on XX/XX/19 {$500.00} was taken out at XXXX in XXXX, FL as well as in XX/XX/19 the day of the call monies from my reserve account was taken out {$500.00} was one transaction then another in the amount of {$500.00} taken out and moved to the primary account. 

This had to be done by a representative that works at American Express Serve as the reserve account is hidden and you just can't get into that account and take the money. 

I am getting the run around and no accountability as to how this blatant act occured. 
As past practice has been that whenever I make purchases over {$100.00} ; I immediately get a text message inquiring if I am attempting this purchase, yet for these transactions I received nothing, no call no text message. 

This is a fraudulent act of larceny committed by an employee of American Express Serve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw a outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

DPT ED/XXXX XXXX {$6000.00} DEPTEDXXXX  XXXX {$840.00} XXXX XXXX {$1900.00} XXXX  XXXX {$840.00} XXXX/XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX   XXXX {$280.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$180.00} XXXX/XXXX   XXXX {$340.00} XXXX  XXXX {$1100.00} XXXX   XXXX {$13000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$4900.00} XXXX XXXX  XXXX {$740.00}
Product: Credit card or prepaid card

I have a debit card with chime that is backed by XXXX XXXX. I applied for a SMALL BUSINESS LOAN that was approved the funds were sent to my chime debit card account. Chime closed my account and froze my money. T he sun of XXXX dollars. I contacted chime over and over again put they will not response, they only tell me to email them at chime support. I filed a complaint with the CFPB months ago that lead to a XXXX XXXX from XXXX XXXX to call me, but nothing has been resovle and they still haven't returned the funds to the XXXX or to me. thank you XXXX XXXX