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

I used my debit card for a retail purchase at a restaurant and the entire party I was with became very sick with Salmonella poisoning the day after XXXX. I called the restaurant many times and no one answered or phoned back. I then decided to request my money back via the bank card BMO and was told that they would investigate and also fund me my {$270.00} back while doing so. They asked me if I had contacted them and I said YES but that no one is returning my calls. They asked me to try again but that they would also do their part. I went to the XXXX XXXX  corporate account, I went to " Contact Us '' and sent a very detailed email via their website about what happened and that I dont believe I should have to pay for this meal. My father was hospitalized with XXXX XXXXXXXX failure from XXXX XXXX from his XXXX XXXX XXXX XXXX. I included in the email my story, my check amount, my name and call back information as well as my email. on XXXX BMO sent me a letter in the mail requesting more information from me which made no sense to me, this told me that they were not being a good back to me. I was so busy with my father in the hospital, I finally sat down to write them a letter that I had not received a drop of communication from the restaurant and had nothing to provide them because I sent the email via their website ( without a response ) and my hands were tied. Yet, on XX/XX/year> the seemingly immediately sent me another horrible letter saying they would NOT refund emergency my money and basically could care less and sent me off to deal with this alone. I believe this is absolutely irresponsible. I received no calls from them, no information or proof that they even did anything to investigate on behalf of their clients and I am absolutely feel abandoned by my bank and I'm losing money to a company that isn't responsible, probably making other people sick and not following up with their correspondences. What is obvious is that my only option is to hire an attorney if this does not work out for me. I have never been treated so poorly by a banking institution. They don't do their due diligence for me, they're soon to be former customer. They showed me 0 proof of an investigation and never had an ounce of sympathy to help or accommodate me as I used their services to live ion this world. It is also their responsibility to advocate and investigate and yet all they did for me was send me contradictory letters without any help or advocate for the consumer. I feel completely abandoned and used by BMO.
Product: Credit card

After receiving notice that I was being garnished for this credit card ending in XXXX that was opened XXXX. I was not aware that a credit card existed, I was relived of the garnishment because I was never served. I couldn't be served because I no longer lived at the address, I did not live there when the card was opened. I sent tax documents and my warranty deed proving that I did not live at the address during the time it was opened and that a card would have been sent, including bills. I sent a statement as well as a police report. They still sent me a letter stating that me or someone I knew applied for this card. The year XXXX there were thousands of data breeches, including ones from Barclays. How can I be held responsible for something I had no control over?
Product: Vehicle loan or lease

On XX/XX/XXXX, I entered into a consumer credit transaction with Santander Consumer USA, in which I extended my credit to acquire a XXXX XXXX XXXX, identified by VIN : XXXX. The amount of the finance charge was stated as {$21000.00}, which 15 USC 1605 defines as the sum of all charges, yet I was also charged additional amounts evidenced by the " amount financed, total of payments, and total sale price '', within the sales contract. In addition to the above Truth in Lending Act violations, I was coerced into paying a {$1500.00} cash down payment in connection with this consumer credit transaction, and my finance charge did not include my insurance as it was supposed to pursuant to 15 USC 1605. Santander Cunsumer USA also failed to provide me the required disclosures as required by 15 USC 1601 & Regulation Z of the Code of Federal Regulations. Attached to this complaint you will find the 'Notice of Rescission ' letter that was mailed to Santander Consumer USA on XX/XX/XXXX, as well as three ( 3 ) exhibits labelled as 'Exhibit A, Exhibit B, and Exhibit C ', showing proof of these violations.
Product: Credit reporting or other personal consumer reports

This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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

XXXX  XXXX  is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$1500.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX  Balance Owed : {$500.00}
Product: Credit reporting

I have been disputing inquiry 's on my credit file with Experian since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a experian representative. The rep told me the only way they inquirys could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






Inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Please review the time line that outlines the delay in my request to have my PMI insurance removed from my current loan. 

XX/XX/XXXX : requested to have the PMI removed from my loan account XX/XX/XXXX : called back to inquire on my request that I had sent to the lender in writing XX/XX/XXXX : called to inquire when the request would be completed. Was told that the request has been escalated and I should here back soon from a local appraisal company when they would be able to complete the request. 
XX/XX/XXXX : Follow up call was made with loan company on status of my request. Was told by representative that it may take up to three weeks for the process to be completed. 
XX/XX/XXXX : Follow up call to inquire on status of appraisal which was still pending. Was told by representative that my request was denied and that if I wanted an appraisal completed that I would have to pay for it out of pocket. Requested a copy of denial letter that was then emailed to my attention. 
XX/XX/XXXX : Follow up call made to loan department again inquiring on denial letter via email and if I wanted the appraisal still done that I would have to pay XXXX to have it competed. 
I then agreed to pay for the fee and the payment was completed over the phone via my checking account with routing number and account number. 
XX/XX/XXXX : received my loan statement that reflected my XXXX appraisal fee was processed as an additional payment towards my principal loan account. I called in to inquire on the transaction and was told then that my home required some unknown upgrade requirements to justify the appraisal. When I spoke with the loan representative I recall that they stated " don't worry about the fees you have paid into thus far and they will be refunded to you once the appraisal is completed as long as the home value meets the requirements. 
XX/XX/XXXX : Filed a formal complant XX/XX/XXXX : complaint was responded to with no valid reason for my appraisal request to be executed. 
XX/XX/XXXX : Called into CFPB to inquire on the next steps considering no valid reason was provided by third party as to why the appraisal request has not been honored. 

Lending company continues to delay my request and the loan is now reaching the two year mark and I am simply asking for a true market value assessment be completed of my home as the initial appraisal is now two years old in XXXX this year of XXXX. 

CFPB representative suggested I submit a new complaint for follow up.
Product: Credit reporting or other personal consumer reports

Several billing errors and late payments on my report seem incorrect. Please review and update these discrepancies.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Listen you ( EXPERIAN, XXXX, XXXX ) disgusting pieces of garbage. You critters of Evil servants of XXXX the XXXX creatures of XXXX, literally carrying on the work of your father the XXXX that make bloody profits by causing ruins on other people 's lives, who is the one really blocked all my financial means of living you are just his puppets. XXXX XXXX ; Re XXXX That is the same thing you have been saying ever since 2020. The company is working on your issue, we apologize for the inconvenience. 

You filthy disgusting garbage is your apology going to put food on my family 's table or do we serve your apologies on our family 's table to eat? 
What does it cost you to follow the FCRA Laws & Regulations Block all the items not recognized by the consumer because of identity theft and data breaches.

No buddy is asking you not to investigate, on the contrary investigate all you want to your heart 's delight. 

Then depending on what you find out through a real investigation again do to hearts delight rescind the block. 

But why would an Evil critter do the right thing what should be done according to the Laws & Regulations?
Product: Vehicle loan or lease

On XX/XX/XXXX I was in a car accident. My car was deemed a total loss. My car finance company applied the payment of {$11000.00} to the wrong account. That customer cashed the check on XX/XX/XXXX. That customer did not owe the car finance company anything, their car was paid off. The car finance company is the that customer a refund. The {$11000.00} should have been applied to my account. I have a copy of the check, front and back.
Product: Checking or savings account

Hi! 
Wells Fargo tried to collect negative balance on my account due to identity theft even i reported identity theft. Please advise
Product: Mortgage

We paid off the home mortgage in XX/XX/year>. NewRez sent us the title to our home in an inconspicuous envelope that we nearly threw away before opening. We understand that mortgage companies by law must refund escrow within 20 business days. We never received the check they said they mailed, probably because the envelope was inconspicuous. We never received it. When we called them they said they would stop payment on the check, then asked us for our checking account information so they could transfer the escrow. That never happened. But, the amount they said they owed us was incorrect by {$540.00}, i.e., they claimed the amount was {$1600.00}, but it is {$2200.00}. 

Because of this situation, we were delinquent in making a property tax installment. They could have at least made the payment since they withheld the escrow. 

Every time I called to discuss the situation their automated answering could never identify me by loan #, telephone #, or last 4 digits of my SS #. The last time I spoke to a representative they listened, said they'd help clear the situation up, then placed me on hold indefinitely. This happened 2 times one day and 3 times the next.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions ( starting around XXXX of XXXX ) I have contacted Equifax in regards to collections being fraudulently added to my credit profile. I have disputed the collections ( XXXX XXXX and XXXX and XXXX ) with Equifax and they come back verified. I have called Equifax countless times in hopes of resolving this matter but always told the information is correct. I have disputed ( on XX/XX/XXXX I sent certified letters ) with the companies ( XXXX XXXX and XXXX and XXXX ) and neither company has ever provided me with validation on said debt. Actually neither company responded to my letters. I sent out correspondence to all ( Equifax, XXXX and XXXX and XXXX XXXX ) certified mail on several occasions yet no one has confirmed said debt nor removed debt from my credit profile. I have never had any contract with neither company mentioned above, nor have they provided me with any services. On XX/XX/XXXX I sent certified letters to all parties asking for deletion of said debt, along with proof that I didn't owe anyone anything, and again no one has responded and the debt is still reporting on my credit profile as delinquent. After completing my own investigation I have supporting information that I have never had any type of services with the companies named above nor do I have any outstanding balances. This false reporting is a violation of my rights pursuant to FCRA, FDCPA. Lastly, to date ... No one has provided me validated information that this said debt is in FACT owed by me to the companies stated above. I will upload supporting information.
Product: Debt collection

This collection account is not mines. I asked for Verification that there is a valid basis for claiming I am required to pay the current amount owed from the collection company to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

The 4 year statute of limitations are up in the state of Pennsylvania. Its also pass the 7 yr statute of limitations. I dispute the accuracy of this account. I want to cease and desist because Midland Credit Management , Inc is not authorized to collect any debt in Pennsylvania. Theyre not registered to do business in the state of Pennsylvania XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit report act this creditor, XXXX XXXX XXXX XXXX XXXX XXXXXXXX under 15 usc1 secton 602 states I have the right to privacy 15 usc1681 secton 604a section 2 also states that consumer agency can't furnish an account without my written instructions, under 15 usc 1666b creditor may not treat a payment on a credit card account under on open consumer credit late for any purpose. 

for the XXXX XXXX XXXX, I responded to a lawsuit, and they could not provide the information, it needs to be removed from my credit reportXXXX XXXX needs to remove cause limitations has been 7 years
Product: Mortgage

My Husband works in XXXX and was out of work due to the snow therefore we fell behind on the mortgage which then we reached out to Flagstar and spoke with an agent. XXXX sent out an application to apply for modification after all documents were sent we were reassured that we would be okay BUT we received a letter months later declining our application. I then reached back out to XXXX and spoke to him regarding the mail which he then stated we can redo BUT at that time we were so far behind and a notice for foreclosure had been sent to the home. 
My Husband and I had placed our family home up for sale after reaching out to a Realtor which he was willing to sale but advised that filling for Chapter XXXX Bankruptcy is also an option. 
My family had told us about a program called XXXX whom can assist which Monday we had reached out to them to learn our options. XXXX had sent over ALL documents needed BUT after 2-3 months they stated they have not received any documents. XXXX representative faxed and emailed documents which also included confirmation BUT in that same email Flagstar replied stating they still have not received documents. 
I went along and filled Chapter XXXX so we wouldn't lose the home because the sale date is XX/XX/XXXX which my Lawyer has been in communication with Flagstar but having a hard time getting anything out of them or complying. 
XXXX and my Lawyer both called me again XX/XX/XXXX asking if I still wanted to move forward which we do and are attempting to contact Flagstar AGAIN but informed me that I am able to make a complaint which i was told to do so months back but i wanted to give them an opportunity which they have failed yet again. At this point everyone is frustrated with Flagstar
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX APPLE ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by APPLE On XXXX applied for The Apple Card. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX. XXXX2 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. Apple should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX L Without prejudice, all natural inalienable rights reserved.
Product: Mortgage

Shellpoint Mortgage is the servicer of my mortgage company XXXX XXXX. Bank XXXX XXXX sold the mortgage to them in XX/XX/year>. It has been, and still is on autopay. I receive more than XXXX letters a XXXX  from Shellpoint stating my mortgage is delinquent. They have reported to the credit bureau that my loan is delinquent. I have had XXXX XXXX XXXX XXXX on this home for XXXX  years and have uploaded proof to their portal multiple times. They have placed forced insurance on my loan and have been taking unauthorized payments from my mortgage payments to pay for their forced insurance without my consent even though I have provided them, through their portal, and have started foreclosure proceedings against me. I pay over XXXX a year for taxes and insurance in addition to my monthly payments and have never been late with a payment for the life of this loan.
Product: Credit reporting or other personal consumer reports

I have been crying out to the XXXX major Consumer reporting Agencies for the longest time in regards to an Account that does NOT belong to me. This account is listed below in detail! 
XXXX XXXXXXXX XXXX Acct # XXXX Balance : {$520.00} Opened : XX/XX/XXXX XXXX, Equifax, & XXXX have all responded by stating that this account has been verified along with being accurate. I have provided proof that this account is NOT reporting accurately by far. I have attached a document ( payment statistics ) from each Bureau as pertains to XXXX XXXXXXXX XXXX demonstrating the inaccuracies. 
XXXX XXXX XXXX XXXX report the last payment as XX/XX/XXXX, as Equifax reports the last payment as XX/XX/XXXX. 
- XXXX reports the closing date as XX/XX/XXXX, as XXXX XXXX Equifax report the closing as No info. 
- XXXX displays XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX reports the account as a charge off - XXXX, XXXX just as Closed, and Equifax is still reporting the Account as Late Payments as to date while simultaneously reporting the account as being Closed. 
This Account is NOT reporting in compliance with The Fair Credit Reporting Act via 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received written confirmation that XXXX XXXX, my ex-wife, will be removed as an Authorized User on my Wal-Mart Credit Card, account number XXXX ( the Account ). It is my understanding that Walmart intends to continue reporting the Account to XXXX, XXXX and XXXX on XXXX Credit Report, with the premise that she is not responsible for the balance. Unfortunately, although she is not responsible for the balance, the existence of the Account and the related payment history ( that she is not responsible for ) is negatively impacting her credit score. XXXX is in the process of securing a mortgage for the purchase of a home. The negative impact ( lower credit score ) from reporting the Account on her Credit Report, will cost her several thousand dollars in order to obtain an applicable interest rate if the Account was deleted and no longer reporting ( higher credit score ). Since she is not, and was never, responsible for the balance on the Account, I do not understand why you would report it to XXXX, XXXX and XXXX on her Credit Report in the first place? It is based on this premise and the negative impact the Account has on his Credit Score that I request that the Account be deleted immediately from any and all future reporting, on behalf of XXXX, to XXXX, XXXX and XXXX. I would like written confirmation that this request has been submitted to XXXX, XXXX and XXXX and that in the interim, I would like it noted on my Account, immediately, that I authorize a responsible Representative, from Wal-Mart, to  discuss this information openly with XXXX XXXX, XXXX, XXXX and XXXX. Time is of the essence and I would like written confirmation immediately. I look forward to hearing from you right away.