23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX I never got my XXXX time {$25.00} credit yall promise to give me proof. to my account and is active to add to XXXX XXXX. As of XX/XX/year>, the debit card has been activated with XXXX XXXX. If you wish to open a savings account in the same titling, you will have to visit your local branch. If you are requesting to open a new savings account as sole owned or joint, you can visit wellsfargo.com or your local branch. As a courtesy, we opted to provide you a {$25.00} credit into the checking account. XXXX  reviewed the account and was able to confirm that no bonus offer code was added at the time of account opening. You would have had to present the bonus offer code at the time of opening. The account opened on XX/XX/year>, is the only account under each My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX please add the {$25.00} credit to my new account checking number is XXXX because my old checking account number XXXX is closed and cant get money there if its there transfer the {$25.00} to the new account number is XXXX or add it there at XXXX thanks and please etc and here is proof below etc.
Product: Credit card or prepaid card

On XX/XX/2019 I received the following unsolicited message from Chase that included advertisements of Chase 's mobile app - a service that I am not interested in and of which I never requested any information from Chase. 

In the past I requested Chase several times not to send me unsolicited email messages. I had also forwarded some of those unsolicited message from Chase to them via secured messaging system, but Chase has not stopped its practice of sending unsolicited messages advertising its optional services to me. 

Since the use of Secure Messaging system on Chase 's website is not effective, I am requesting CFPB to forward to Chase my request not to send me messages similar to the attached message. Thank you.
Product: Mortgage

I request your assistance to resolve a matter concerning an overpayment of our mortgage escrow account. There is a discrepancy between the mortgage loan amount that we have been paying to the actual amount being credited. As of today, neither the lender nor the loan service provider knows what happened to the $ XXXXmonth we have overpaid since XX/XX/XXXX. 

We noticed the discrepancy when we got a letter from XXXX XXXX  indicating that the it would no longer service the loan, which was held by ARC Home and to contact the new service provider XXXX XXXX. Exhibit 1 We contacted XXXX XXXX  to verify the change and were told the new payment was $ XX/XX/XXXXmonth. Exhibit 2 This came as a surprise since we have been paying XXXX XXXX  $ XX/XX/XXXX/month. Exhibit 3 We called XXXX XXXX  to discuss this matter, because XXXX XXXX  indicated that there was nothing they could do. XXXX XXXX  in turn told us to call ARC Home, because they were responsible for servicing the loan. 

We call ARC Home to inform them that their statement dated XX/XX/XXXX, which indicated Amount Due {$3000.00}, ( Exhibit 3 ) did not match the one shown in XXXX XXXX statement. Exhibit 4 Since XX/XX/XXXX, we have made numerous calls to ARC Home and got nothing but promises that the matter was under review. On XX/XX/XXXX, we were told by XXXX that he will discuss the matter with his supervisor and definitely would get back to us with a response. The case number he gave us is XXXX. 

We explained to XXXX that this money should have been going into our escrow account to cover XXXX property taxes due in XXXX. As of XX/XX/XXXX, there is an escrow balance of {$4200.00} when it should be {$8400.00} ( XXXX ). Exhibit 5 Today we called ARC Home again because we have not heard from XXXX, as he had promised. This time a XXXX told us that the matter was still under review and for us to wait a few more days for a response. We told her that ARC Home has had four weeks to resolve the matter, and meanwhile we have to come up with an additional {$4000.00} to pay for property taxes due at the end of XXXX. Therefore, we were going to report this matter to the Consumer Financial Protection Bureau and take legal action against ARC Home. 


Exhibits : 1. XXXX XXXX  Notice of Servicing Transfer 2. XXXX XXXX Next Payment Amount Due Statement 3. XXXX XXXX  Escrow Account Statement 4. ARC Home Mortgage Statement 5. ACR Home Statement
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, California XXXX XXXX XXXX XX/XX/XXXX To : XXXX, XXXX, EXPERIAN Subject : Final Request for Verification and Documentation of Account name : XXXX XXXX XXXX, Account # : XXXX This Dispute serves as my final attempt to resolve this matter, of the original high credit balance amount owed {$20000.00}, before pursuing legal action. I am writing to formally request the following DOCUMENTS related to my account : XXXX Verification and proof of the bill of sale for the auction price of the vehicle that was repossessed. 

XXXX A detailed statement showing proof of total actual amount of payments made by me from the opening date of the account in XX/XX/XXXX through the present date, XX/XX/XXXX. 

XXXX Proof of the GAP insurance payment amount you received. 


*Please send all requested documentation by mail to the address provided above within 30 days of receipt of this letter. If you fail to provide proof of the requested documentations to me within this timeframe, I will have no choice but to seek legal action and demand that this account be deleted and removed from my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Taking a down payment in a consumer credit transaction a violation 15 USC 1605
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint against Lightstream for violations of 15 USC 1681b, which pertains to permissible purposes under the Fair Credit Reporting Act ( FCRA ), as well as violations of the Privacy Act of 1974. It has come to my attention that Lightstream shared my personal information with a third party, namely XXXX, without a valid permissible purpose. 

The specific details of the violation are as follows : Violation of 15 USC 1681b ( Permissible Purposes ) : Unauthorized Sharing of Personal Information Lightstream, without a valid permissible purpose, shared my personal information with XXXX. This unauthorized sharing of my personal information is in direct violation of 15 USC 1681b, which outlines the permissible purposes for which consumer information can be shared. I have not authorized Lightstream to disclose my information to any third party, and this violation raises concerns about the protection of my privacy and the security of my personal data. In addition, this action may have adverse consequences on my creditworthiness and overall financial well-being. Therefore, I strongly urge Lightstream to immediately cease any further sharing of my personal information with unauthorized third parties and to take appropriate measures to prevent such unauthorized disclosures in the future.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00XXXX XXXX  XXXX Balance : {$94.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I am the President of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OR XXXX. XXXX XXXX was abandoned by the owner and she stopped paying assessments to XXXX XXXX effective XXXX XXXX which now total almost {$10000.00}. The lender secured the unit and filed a Notice of Foreclosure on XXXX XXXX, XXXX but has failed to complete the foreclosure.
Product: Debt collection

I want to stress that this account is not mine, and I have no knowledge of its existence. Despite this, it is negatively affecting my creditworthiness, which could have serious implications for my financial future. 

I have taken the necessary steps to address this issue by contacting both the credit bureaus and LVNV FUNDING LLC directly to dispute the accuracy of this information. However, the erroneous reporting persists, and it is impacting my ability to access credit on fair terms. 

I hereby request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to rectify the inaccurate reporting by LVNV FUNDING LLC. I also request that LVNV FUNDING LLC provide proof of the validity of this account and remove it from my credit report if they are unable to substantiate its legitimacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, phone number XXXX, brought my mortage on XX/XX/2019, from XXXX. I could not get through to a representative on the phone or on the XXXX  website to pay my mortgage payments in the amount of {$1500.00}. I was diffcult getting a representative on the phone with XXXX. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. XXXX XXXX XXXX XXXX XXXX  is reporting to Equifax, XXXX  XXXX, XXXX  late payments of the month of XX/XX/2019 and XX/XX/2019. I received different information from the XXXX representatives everytime i call them ( some XXXX Representatives informed me that they would not be reporting any late payments to the credit bureau until they stabilize and XXXX Representatives informed me that if you pay the mortgage on the XXXX of the month your payment is not considered late. I have receive incorrect and inconsistance information from the XXXX Representatives.
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 XXXX XXXX XXXX. 
XXXX. XXXX : Acct # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX Revolving Experian : Acct # XXXX XXXX & XXXX : Acct XXXX XXXX Installment 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 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 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 sent a letter on XX/XX/XXXX, to removeitems that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX ; DEPT OF ED XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I lost my money to a housing ad on XXXX. I found a housing the supposed landlord XXXX XXXX XXXX has posted on XXXX and he wanted me to send him a picture of my drivers license, first month security deposit of {$1500.00} ( my two separate XXXX $ ) payments on Venmo and also signed a lease and provided an ownership of certification. He told me to send the payment to his wife ( XXXX XXXX ) and PA which is XXXX XXXX ( venmo handle XXXX ) and I believe he is using a fake XXXX account with XXXX to scam students like me. The XXXX link is under somebody elses facial profile and family ( XXXX XXXX XXXX, who Ive notified ). I found XXXX XXXX ex-wife to confirm on XXXX and she said to take it to the police as he stole hundred of thousands from her before the divorce, and that is what he does for a living. If there is anything the system can do for me to stop people like him, I believe it is worth a try.
Product: Vehicle loan or lease

In XX/XX/2023, I was hospitalized XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and was without pay for 1 month. During this time, my auto loan was late. Causing me to incur a late payment on my credit report. I am now in the process to purchase a home and was informed that I will not be approved because the late payment with Prestige is negatively impacting my credit score. Due to the hospitalization in XX/XX/2023, I am requesting that the late payment be waived and update to paid on time. 

For the past 5 months, my account has been on automatic payment withdraw to ensure payments have and continue to be on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for Equifax to remove a fraud alert numerous times and they refuse to remove it. I have provided them the necessary identifying documents and they still will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The National Consumer Telecom & Utilities Exchange ( NCTUE ), Inc. continues to report information on my consumer report. I have submitted documentation from the creditor, XXXX in which they state that they would request deletion of the reporting of this account. XXXX, once again, has not done what they've promised to do ; I'm having to chase down their reporting to all of these bureaus, some of which most people are not aware of, and end up with yet, another complaint here. As you will see from my correspondence, I've spoken to XXXX, and was told that they no longer have the debt and to contact XXXX. Well guess what XXXX : Here we are again! Everything is attached, including my correspondence to NCTUE, XXXX 's letter, and NCTUE 's investigation results stating that they are still reporting this negative account on my consumer report.
Product: Credit reporting

I have requested a method of validation on an account multiple times since XX/XX/2016 for my account from this debt collector. The account is from the debt collection " XXXX XXXX XXXX ''. Every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. The account was for a hospital bill which was invalid because I actually declined services from the hospital and I did not sign any paperwork nor receive any treatment from them. I asked all three credit bureaus to verify with XXXX XXXX so that it could be removed from my account due to being invalid from non-validation. Well I have made multiple requests to the credit bureaus XXXX, Equifax , and XXXX and that will not delete this report even though XXXX will not send me any proof of validation! I should not even have had this on my credit report to begin with. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Equifax , XXXX and XXXX over 3 times to provide me with proof of validation of this account or some paperwork before saying its accurate and that paperwork was never provided. I am inclined to believe that they never truly investigated it to begin with.
Product: Debt collection

Supposed Deficiency Balance of : XX/XX/XXXX Balance : {$6400.00} Model : XXXXXXXX XXXX Make : XXXX XXXX : XXXX Year : XXXX Account Number : XXXX The company did not hold up its part of the contract. My vehicle was mistakenly repossessed. This information was given to me via an EXETER FINANCE LLC operator. The payment was made and the vehicle was still repossessed. I wasn't able to dispute the mistake. Even I took all of the proper steps to be given back my vehicle. I did everything that was needed on my side and the company still fell short. The violated my rights a consumer.
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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This company approved me for a card that I never did get a chance to use and abruptly closed the account and had been reporting negatively on my reports greatly impacting my scores.
Product: Debt collection

Experian has on my credit file, that I have worked for XXXX which I never have ever worked for XXXX. In addition, they have mentioned that I applied for XXXX XXXX for which sounds like a debt collector of some sort. I do not agree that I owe this debt because I never received any contracts of any sort. Furthermore I've consulted with Counsel and realized that I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. Furthermore, The New Comprehensive Credit Act of 2020 states that I must have erased any debts on my credit for which do not have contracts to establish the " invalidated debt ''. There should also be no child support payments on my accounts whatsoever, I'm confused on all that is listed on my credit file. Given that Experian has had data breaches I also furthermore understand that my private information has become compromised for which also, I should sue for that. Please relay the message so that Experian and I can resolve this issue outside of court. 

Best, SG
Product: Credit reporting, credit repair services, or other personal consumer reports

I regards to my previous complaint # XXXX. 

I am in receipt of a written correspondence from Equifax stating they were unable to locate a consumer profile in their database. Equifax then continued to demand private information from me to allegedly verify my identity. This is quite a contradicting demand and response. According to Equifax they have no consumer profile in their database for me so how is it Equifax demanding information to verify something they claim to not posses? How will Equifax verify this? If I provide my private information what database will Equifax match it against to verify my identity? Furthormore, Equifax have ignored my demands I have made in my previous complaint # XXXX. 

As a private XXXX XXXX I am entitled to reserve all my rights pursuant to the 1974 Privacy Act. ( The Privacy Act is a federal law in the United States that regulates the collection, maintenance, use, and dissemination of personal information by government agencies. It was passed in 1974 and applies to all executive branch agencies of the federal government. The Privacy Act places restrictions on the collection, use, and dissemination of personal information, including the requirement that individuals be notified of the information collected about them and given the opportunity to correct any errors. It also gives individuals the right to access their personal information held by the government and to seek redress if their information is mishandled ). 

Now that I have made that clear that I have not given any consent for Equifax to infringe, furnish or sell my private information I must highlight the fact that Equifax is has received Multiple documentation proving my identity. 

I have attached substantial evidence that Equifax has received these documentations and also My proof that my information has been in Equifax 's Data Breach. 

All this is UNAUTHORIZED USE OF MY PRIVATE INFORMATION BY EQUIFAX. 

THIS IS MY LAST ATTEMPT TO RESOLVE THIS MATTER IN GOOD FAITH. 
IF EQUIFAX DOES NOT RESOLVE THIS MATTER AT ONCE I HAVE NO CHOICE BUT TO DO A FIOA, AND GET THE IRS, DOJ, FBI, SSA, SEC, XXXX, INVOLVED.
Product: Mortgage

Simultaneously I applied for, and received, XXXX mortgage modification trial packages with the same bank. My first mortgage was {$44000.00} ( balance owed ), XXXX mortgage was a Line of Credit ( {$150000.00} ). I followed the directions for the trial period to the letter for both modifications. I paid on them for 8 months, then to my surprise the bank refused to accept any more money on the first mortgage and then I received a Intent to Acceleratate. The XXXX mortgage ( Line of Credit {$150000.00} ) converted to a permanent modification without further incident. They are now foreclosing and taking my house away after living here for 28 years. No one will tell me what I did wrong. THEY STOPPED ACCEPTING PAYMENTS THEN SUED ME FOR NON-PAYMENT AND ARE TAKING MY HOUSE. How can they do this and why are they doing this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a federally protected consumer under the FCRA has recently reviews Equifax my consumer report and I've noticed XXXX unauthorized inquires and XXXX fraudulent account XXXX XXXX XXXX XXXX Amount # XXXX that was not authorize by me the consumer. Pursuant to the FCRA 15 U.S. Code 1681a credit reporting agencies report 100 % accurate and verifiable information. This same XXXX XXXX XXXX XXXX account is not reporting on my XXXX Credit file that I will attach to this complaint. I never authorize the inquiries or authority to furnish these deceptive and misleading items and this Constitutes a violation of my federally protected consumer rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy under the 4th amendment rights. I will also have my Identity theft Report ( FTC Affidavit ) Attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file through Transunion in reference to XXXX XXXX XXXX XXXX account showing charged off.  File shows last date reported: XX/XX/19 in the amount of $XXXX.
Product: Mortgage

Better.com refuses to provide credit DTI calculation information why they have adjusted the original Loan Estimate that I agreed to move forward with. XXXX XXXX, Processing Expert, NMLS # XXXX, called me at XXXX XXXX CST on XX/XX/2020 on a recorded line and refused to provide accurate calculation information. Then he hung up on me while I was demanding fair lending information to show why my loan was being declined.