23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We entered into a forbearance agreement with Selene Finance ( our mortgage servicer ) in XX/XX/2020 as a result of hardship due to Covid19. In XX/XX/2020, re- paid all back monies to bring our mortgage current. We resumed regular monthly mortgage payments in XXXX as well. On our XXXX statement we saw that we were charge two fees in the amount of {$15.00}, totaling {$30.00}. I contacted Selene and was advised that these were advanced corporate fees for Selene having to send a field inspector out to see if we were still living in the property. 

Please see attached copy of the letter I sent to Selene Finance regarding this matte on XX/XX/2020. To date we received no response from them. 
I called Selene to today at XXXX and was advised by the customer service rep XXXX, that there was not letter received from me! He advised that I e-mail it to them at XXXX. Which I did. I do not expect to hear from them simply because they claim to not have received a letter I mailed to them. 

Needless to day, our mortgage payment as increased from {$670.00} to {$700.00}!
Product: Credit reporting

I have been disputing incomplete and inaccurate information on my credit report for months XXXX XXXX XXXX has XXXX accounts which have not been reported properly or investigated properly. Please see attached letter and copy of credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I submitted a complaint for an account that has been reported on my credit report, that is not my account and that should not be on my credit profile. I have disputed this account several times and have even provided documentation from other major credit agencies XXXX and XXXX that shows they have removed this account from my credit files. However Experian continues to have this account reporting. This is not right and a violation of my consumer rights. I tried to attached my documentation proof the XXXX removal letter but the website wouldn't allow me to. 

The account XXXX XXXX Bank XXXX is being reported on my credit report. As stated before this is not my account. As a victim of identity theft. Under the fair credit reporting act FCRA 605B ( 15 U.S.C. 1681c-2 ), I have taken the steps to notify all parties of this inaccurate reporting yet it still remains on my experian report.
Product: Debt collection

Received a letter from Hunter Warfield dated XX/XX/18, addressed to my work place not my home, confirming that they had received my claim of fraudulent ( which I was not aware that I had filed ). They requested that I provide them with certain information, cop of ID or valid driver 's license etc ). I called them and went through several departments. finally got connected with a support Dept. and the person wanted more information again, which I did not provided. I questioned the fact that the letter was sent to my place of business/work and all of a sudden got disconnected. I am afraid this company is fishing for information and uses fear tactics to get information. I don't know whether they are using it for ID theft or anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account XXXX : Collection 15.U.S.C 1681 section 602 A States I have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX : XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

The transaction of XXXX dollars was made on XX/XX/XXXX, and I opened a dispute with the company associated with the card, Citi, on XX/XX/XXXX. Between that time, I attempted to contact the individual who did not provide the services promised, but was blocked and the messages deleted from the message boards, so I billed a dispute. 

When submitting, I uploaded documents providing evidence of multiple individuals not receiving refunds for the services the merchant failed to provide, and details of the service where the merchant promised refunds. The company took one month to respond with a request denied on XX/XX/XXXX due to lack of sufficient documentation. I have called customer service and received not much additional information. However, there has been no updates to my dispute or additional details provided after initial review was completed when I called and asked. When discussing with other peers who have also been scammed by the merchant, they have received their refund with their information.
Product: Debt collection

XXXX   XXXX ,  2017  a collection was reported on my Credit by Kings Credit Services  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  That was never my Debt, I have never been to the medical facility. I belong to  XXXX  for the last 10 years. My Credit is Excellent and this company should be held accountable for its negligent reporting.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, My number is XXXX please remove this fraudulent account from capital on tap during my pandemic in XXXX my wallet and personal information was stolen at a mall. Ever since my information has been compromised and these debt from XXXX has been on my report and its FRAUD ITS NOT MY ACCOUNT PLEASE REMOVE IT, I HAVE ATTACHED A POLICE REPORT, A FTC REPORT, AND FILE A COMPLAINT WITH THE CONSUMER FINANCIAL PROTECTION BUREAU. 

Account Name : XXXX XXXX XXXX Account Number : XXXX .... 
Recent Balance : {$0.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Charged Off Amount : {$1600.00} XXXX regret to inform you that I have recently discovered that this account is fraudulent and a result of identity theft. To support my claim, I have attached copies of the Federal Trade Commission ( FTC ) report and the police report detailing the identity theft incident. 

Given the gravity of this situation, I request the following immediate actions from XXXX XXXX XXXX : Account Investigation : I urge you to conduct a thorough investigation into the fraudulent account with the account number XXXX .... Please verify the authenticity of the provided reports and take necessary steps to rectify the situation promptly. 
Freeze the Account : As a victim of identity theft, I request that you freeze any activity on the account immediately to prevent further unauthorized transactions.

Assistance in Resolving the Issue : I seek your cooperation in resolving this matter expediently. Please provide guidance on the steps I need to take to secure my financial information and rectify any damage caused by this fraudulent account. 
Communication and Documentation : Keep me informed of the progress of your investigation and provide documentation of any actions taken to address this issue. 
I understand the seriousness of identity theft and the potential impact it can have on individuals. I trust that XXXX XXXX XXXX will treat this matter with the urgency and sensitivity it requires. I am counting on your cooperation to ensure the swift resolution of this unfortunate situation. 

Please acknowledge the receipt of this complaint promptly, and I expect to receive updates on the progress within
Product: Mortgage

My mortgage was sold to Gregory Funding. They were fine the first 9 months and as of XX/XX/XXXX they stopped paying my property taxes. There is more than enough money in the escrow account. I am getting notices from my township about the property taxes not getting paid. As of XX/XX/XXXX, they did not pay the next quarter of taxes either. They are behind by two quarters. The money is in my escrow account. I have over $ XXXX in the escrow account and they owe the township of XXXX $ XXXX. I have attached a copy of my latest mortgage statement along with the letter from my township tax collector. I have called the mortgage company over 7 times in the last 4 months and they literally tell me a check is going out the next day and it never does. I have also written to them 3 times and they have not responded back at all. This fraud. They have my money and they are not paying the taxes. I am worried the township will put my house up for tax sale.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During this time I had my Kohls card, the economy crashed, we were devastated by Hurricane Sandy,  lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events including XX/XX/XXXX as my husband is in the XXXX XXXX and was working in the city when the towers came down. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It has been about seven years reaching the statute of limitations. I am hopeful that you are understanding that the tie has expired and sue to the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of XXXX to recover and remove this account from all three report.
Product: Credit card

Perpay approved me for a credit card with a {$500.00} limit. You have to set up a direct deposit with them first if at least XXXX dollars a month. I set up that direct deposit and the money was taken out of my paycheck. The card was still set at a pending status even though they say they will ship the card after the payment is made. When I went to try and contact the company about the issue they never got back to me. I emailed them and texted the email and number I found on the website but got no reponse for days after I made the payment. Then when they did reply asked me to verify where I had the direct deposit set up so they can make sure I entered to correct account numbers and whatnot and sure enough I did. They proceeded to tell me that they did not receive any payment and they wont ship the card even after proved that the payment was made and to the account numbers given to me by Perpay.
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 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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, states 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 : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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 consciously avoids knowing that the cause to information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I has sent multiple letters over the last 3 month trying to make transunion and XXXX  follow the law. First letter was received by transunion on XXXX. XXXX received theirs on XXXX. Second letter received by transunion and experian on XXXX. Third letters were received XXXX by both credit bureaus. Fourth letters received XXXX. All of these letters demanding several accounts be removed from my credit report as transunion and XXXX are in violation of : 15 USC 1681 section 602A 15 USC 1681 section 604A sec 2 15 USC 1681c a5 15 USC 1681s-2 ( a ) ( 1 ) I have made every attempt to settle this matter outside of court. The bureaus simple refuse to follow the law. I am demanding one last time that the accounts i ask them to delete from my report be deleted immediately. Otherwise i will have no choice but to file a claim against transunion and XXXX  for multiple violations of the FCRA, the ECOA, and the Privacy act. XXXX had no problem following the law and removing these items. Transunion and XXXX must follow suit and do the same as they are all required by law to report accurate information. All three reports must match. 
30 days is almost up and they have not removed the items from my credit report. They are giving me no choice but to file a claim against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint oday to request that the inquiries still reporting on my Credit Report must be deleted under the FCRA section 605b. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor. The FCRA requires the Credit Bureaus to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the item. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action. I need the follwoing inquiries removed as soon as possible : XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX
Product: Credit card

Clicked open on Chime app based on the online ads, the in-app ads, and the card name. Later, I checked credit my credit. XXXX reported that the account had been opened despite a credit freeze on my XXXX report. The account damaged my credit score according to XXXX, significantly. The account was then not closed immediately when requested. Numerous requests were made to close the account and have it removed from the 3 credit bureaus as it was only opened to improve my credit. It seems in violation of Federal law and not in the consumer 's best interest to advertise a service that does the opposite of its advertised and name claims.
Product: Debt collection

XXXX XXXX XXXX for the company " Southwest Airlines '' ( XXXX ) Person ( s ) continue calling me, informing they are a 'debt collection agency ' from Southwest Airlines . They ask me to verify who I am ( address, date of birth, social security ) which I do not give or confirm except I give them the last digit of my address. I inform them nothing is owed to Southwest. I also asked them to send me an invoice, IF they already have my address. Which I do not confirm. They said they can not until after I give them my personal information. Which I will not. They continue to call and call and call, at least 2-5 times a week.

I called Southwest Customer Service XXXX to report this, spoke with a representative named ( XXXX XXXX ' ) who listened and then directed me to report this to : 'report fraud.ftc.gov '. She also informed me that If there was an amount owing, Southwest would have sent something by mail. Which they have not. I wanted Southwest to know and to see if they had a fraud department so I could give them the phone number of the frauds/ scammers/ extortionist,,, etc.. They did not at the time. She was kind.

My personal history with Southwest. 
1. I haven't traveled with them for over 4 years. All debts paid in full at the time of flying.

2. I haven't taken out any credit card with them.

3. I have NOT received any billing/ invoices/ notices/ statements from Southwest at all.

Let 's hope this blesses others from these scammers!
Product: Credit card or prepaid card

I received a payment from detr and the day of XX/XX/2020 the card was blocked by bank ( bank of america ). I was unable to do any transaction however they charged me for transactions that were denied. i never received the money or the services have sent in proof and all and they keep denying my claim. Im not happy with this company and I just want my money back. they processed the claim on a complete different card and kept doing it for months. my whole case was frauded out even by my sponsor and the card was blockedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

since XXXX 2017 I been trying to get ARS ( Account Resolution Services ) to verify a {$8500.00} debt. As well as XXXX XXXX XXXX for {$7300.00} They have failed to verify and validate and instead had all 3 credit bureaus updated ( reaged which is illegal ) as verified but where is the verification and validation? I have not entered a contract with this company to collect for the hospital they are representing. Upon further investigation I discovered that The Texas Secretary of State maintains a Debt Collector Search that lists all debt collectors who have ever applied for a surety bond. After performing such search I have confirmed that the debt collector that has contacted me does not have an active surety bond, which means they are illegally attempting to collect debt in Texas. I move to cease collections. also I advise the debt collection agency that I intend to file a complaint with the Texas Attorney General if they fail to comply with my request. While the collection company may escape Texas civil penalties in this particular case, their violation may impede their ability to collect debt in Texas in the future because of a denied surety bond application, costing their business untold revenue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company in Violation of Texas State Business and Commerce code regarding Consumer Reporting Agencies. 
A criminal background check was initiated by Hire Right using my personal information. I received a copy of the report via email several days later. The report contained a criminal history report with dates beyond the Texas State requirement for reporting of 7 years. The only exception to this 7 year law is if the employment salary exceeds XXXX in which this position applied for reaches XXXX. This information was unlawfully reported and upon filing a dispute, remains unresolved. The company allowed me to file a dispute ( XXXX ) however their response to the dispute is the law does not apply to " Hire Right ''. This is not only inaccurate as they are indeed a consumer reporting agency according to the Texas Business & Commerce Code but its also very vague. 

I have spoken to a multitude of attorneys regarding this issue and have confirmed that Hire Right has a legal duty to not only follow Federal regulations, but state regulations as well. I have confirmed with said attorneys that HireRight is indeed a consumer reporting agency and have previously been held liable in the court of law regarding violations of state and federal regulations. I have attached the business commerce code regarding Consumer Reporting Agencies along with the specific section that clearly prohibits information being reported beyond a certain timeframe. I have also attached the dispute procedure and legal remedies due to a consumer who has been unable to resolve the issue directly with the company.