23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ditech has not sent all of my info to the company they sold out to my mom is deceased they didnt send the information over that I was over the account and the account is paid in full and the company is still adding illegal charges to the mortgage its illegal I can not even talk to the new company about my deeds
Product: Debt collection

In my previous dispute against Experian, they responded that the collections, charge-offs, and late payments were all verified as accurate. I would like to know what method of investigation was used to verify the accuracy and validity of the disputed accounts? 

According to 15 USC 1681b section 1 & 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given to furnish these fraudulent accounts? This is aggravated identity theft and defamation of character. 

I have not been able to qualify for a loan for my house because of these unfair and inaccurate practices. I will reattach the previous dispute letters and affidavits so that you can use them as a guide as to which account/inquiries should be removed and DO NOT add a fraud alert. My next step is civil court.
Product: Debt collection

I had a Mortgage Payment of {XXXX} a XXXX  with XXXX, lost my business during XXXX, stuck with tons of XXXX  debt and XXXX XXXX. XXXX agreed to XXXX XXXX, move all missed payments to backend of loan with ( XXXX XXXX ), dropped my payment from XXXX to XXXX a month. Then XXXX sold my loan to a Debt Collector XXXX, now Roundpoint wont honor XXXX-XXXX  Agreement. XXXX wants XXXX up front, up my payment to XXXX a month from XXXX and added XXXX to my loan. I cant even pay the bills I have now.
Product: Mortgage

We have been trying to get SPS to show proof of claim of our property and all they sent us was a lot of Power of Attorney documents to which none of them show that SPS or XXXX XXXX XXXX XXXX had any authority to Service our Loan, let alone keep all our Payments.
Product: Bank account or service

I was included in the XXXX VS Wells Fargo Settlement. I received XXXX checks for {$110.00}. As soon as I received the checks I went to my local Wells Fargo branch and asked where the checks valid. I was told yes and deposited the checks in my account and to have the checks returned - as refer to maker and charged XXXX return check fees. I called the Wells Fargo customer service number and they said the could not explain and to take the checks back in the local branch. It took over an hour in the branch for the rep ( who was the same rep that I asked if the checks were valid in the 1st place ) to figure out that the check was cut a date from XXXX was and said void if not negotiated in 65 days of issue. She gave me a number to call to have the checks re cut- I called and they say they can not re cut the checks - even tho I just received the checks.Well after the 65 day time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my credit report XXXX XXXX  Acct # XXXX that is incorrect and does not belong to me please provide written proof that I authorized this account to be on my credit report in fact I never provided any personal information to this company and do not know who the company is. 

I have sent certified mailed letters to this company and they have not sent me any proof of " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report, I noticed there were 2 accounts listed that are not mines. Here are the accounts listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

From XX/XX/21 to XX/XX/21 My bank account got hacked into from a XXXX XXXX XXXX Deposited XXXX XXXX dollar checks and one XXXX check into my checking account. which they were mobile deposited- signature on the back of these checks don't even match up. I don't even deposit a XXXX dollar check into my account. I don't make XXXX. Then once they got into my account, then they withdrew these checks and sent them out to XXXX XXXX & XXXX. TD BANK allowed these checks to go into my bank account once they found out they were a scam ... fraudulent checks.. I had no access to my bank account. Second of all they forged my signature well tried too. I already processed 3 disputes with td bank all coming back denied due to them saying i authorized this.. Clearly i did not because someone changed my biometrix ( face Id ) on my iphone & all my passwords had to be changed. So clearly someone hacked into my phone and got ahold of my bank account information. I did not authorize no information through my phone i did not give my bank account information out.. I want this fixed now.. TD BANK IS THE WORST BANK & I AM NOT PAYING XXXX I DON'T EVEN MAKE XXXX ... so i hope someone can help me with this. TD BANK WONT HELP YOU!!! THIS IS HORRIBLE AND I AM EXTREMELY FRUSTRATED. XXXX XXXX, XXXX XXXX. & EVEN XXXX XXXX CLERK COUNTY
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

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 or other personal consumer reports

The FOR PROFIT credit reporting agencies are reporting data from a YEARS OLD XXXX XXXX account # XXXX WITHOUT MY CONSENT, along with inaccurate payment data. This account was NEVER in collections. Regardless if it was or was not, I never gave written ( hand or electronic ) consent for this account to be included on MY consumer credit report. They continue to deny my requests for deletion citing meets FCRA requirements. Just based off of 1681 602A they ARE NOT meeting the CONGRESS WRITTEN REQUIREMENT, amongst others : 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish any account WITHOUT MY WRITTEN CONSENT OR INSTRUCTIONS 15 USC 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681B states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I DEMAND this OLD XXXX XXXX account be DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, there was a debt validation letter sent via certified mail directly to the creditor XXXX XXXX XXXX XXXX XXXX. However, to date, I have not received a response back from the creditor. 

On XX/XX/2021 there was a letter sent to the 3 credit bureau XXXX Experian, XXXX XXXX  XXXX for inaccurate account information being reported, and to have the information verified and method of verification requested. On XX/XX/XXXX, I received a letter from XXXX that the information was updated, however my requests for the method of verification was not fulfilled. 

On XX/XX/2021, I spoke with a XXXX XXXX XXXX for Experian XXXX, and he informed me that the information was verified by the company, and that he could only open up another dispute on my behalf. He also informed me that I was not allowed to know the method of verification. 

On XX/XX/2021, I contacted XXXX XXXX XXXX, they informed me that, they are reporting the information correctly. However, they sold the debt to another company. 

As of XX/XX/2021, I have not heard anything back from XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited a {$300.00} check from my XXXX XXXX   checking account into my US Bank checking account which cause US Bank to close my checking account. The check from XXXX that I deposited I thought it was a check from my open checking account with Regions but come to find out it was a check from my closed account, it was simply an error on my part and I had no intentions to defraud US Bank of whom I have held a checking account with for years. On XX/XX/XXXX I had well over {$300.00} in my US Bank checking account. Ever since I filed bankruptcy on XX/XX/XXXX I have had nothing but problems from US Bank. They closed my checking account back in XXXX that I held for years due to bankruptcy and made me open a new checking account. In which I opted out of overdraft protection but US Bank has charged me numerous overdraft fees when clearly I had a positive balance.XXXX XXXX I went into the US Bank branch and they informed me that my checking account would be closed due t the return {$300.00} check and no other transactions could me made on the account. I informed them I was excepting a deposit from the school and US Bank said they would send it back. On XX/XX/XXXX US Bank accepted my deposit of {$1200.00} from the school. The total amount that is in my checking account is {$2000.00} and US Bank refuses to give me my money. I have spoken with the branch manager, XXXX several times and he told me that I can't get my funds until XX/XX/XXXX. I have no pending tranactions and I don't owe US BANK any money. I need them to release my {$200.00} immediately. I have been a customer of theirs for years and a {$300.00} return check does not warrant what this bank is doing to me. I have been a customer for years! Also on XX/XX/XXXX they charged me a {$36.00} overdraft fee when clearly I had a positive balance. I have bills and need my money released to me today!
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA  is erroneously reporting negative items on my credit report.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries listed under 15 USC 16c-2 need to be removed as they are incorrect.
Product: Checking or savings account

On XX/XX/XXXX we were victim of business email compromise and was given fraudulent account information. We sent the money to a XXXX XXXX  account. We bank with chase bank. XXXX XXXX  called us and stated that they froze the funds and need chase to recall it so we can get our money back. Chase said they arent entitled to recall it. Ive tried to bypass chase and go straight to XXXX XXXX but they told us chase has to recall it. Chase wont do so and the money has been moved to a fraud account at XXXX XXXX, waiting for chase to recall it.
Product: Credit reporting or other personal consumer reports

I am making this dispute because my Trans Union credit report is not 100 % accurate. There are several inaccurate items reporting on my credit report. Please see attached notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i am writing you due my recent credit pull on my credit report. I have reviewed my report and there are several items on my report that are unknown to me. My current address and number is : XXXX XXXX XXXX XXXX, SC XXXX, and my current number is XXXXI did not authorize any of the addresses and phone numbers to be listed on my report i am request immediate removal of the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Please also remove all unwanted number from my credit report : ( 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 or other personal consumer reports

according to FRCA law Section 605B it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now.
Product: Mortgage

Hi I am a US educated but XXXX born XXXX. My husband and I have lived and studied in the US for over 15 years and have an excellent credit rating of XXXX as of the day that I report this. We are still in line for a physical XXXX XXXX because of the number of years it takes for XXXX born XXXX to receive a XXXX XXXX 

Over the years I have transitioned into practice ownership and my first XXXX XXXX was purchased in XXXX, followed by a second in XXXX. XXXX XXXX XXXX XXXX helped me with my loan. XXXX XXXX XXXX XXXX has now been acquired by XXXX. However, XXXX XXXX XXXX XXXX and my banker there were the only ones willing to help. 

It has been 6 years. I have a successful practice and I am ready to acquire a XXXX XXXX  This will help me contribute to financial growth, more employment and more patients success as well. I reached out to Provide, the practice finance wing of 5/3rd bank XXXX I filled out a prequalification online. This was on XXXX Once it got to the XXXX status, it halted the process there and said someone from provide will reach out for more information. 
XXXX XXXX, the representative from Provide reached out to me on XXXX at XXXXXXXX XXXX  The only question he asked me was if I had a physical XXXX XXXX. I told him the status of my XXXX XXXX process and that I was on an XXXX XXXX XXXX. No further questions were asked, he just said, " that would be a no-go for us, or for other lenders I know of and spoke to. I can provide you with third-party lenders ( unsecure lending ) ''. I thanked him for his time and let him know that was not needed, because I did not want to go with unsecured lending. I followed up with an email to him, advising him that this was against federal laws protecting immigrant entrepreneurs. It is important to note that I have not received any " Adverse action letter '' in email, although I requested for the same, that details the reason for the denial. 

The above issue has been consistent with several lenders through the years, except XXXX XXXX XXXX XXXX and XXXX. Its a huge morality killer, it feels like your education, prudent business skills or financial skills and being a good citizen all mean nothing, and that your XXXX status, even as a XXXX XXXX  is enough to curtail your growth. 

I am in my late XXXX. I will not have forever to use my education for the betterment of my patients, my team or my family. How is this even fair?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Product: Credit card or prepaid card

I have opened a credit card with Milestone MasterCard issued by The XXXX XXXX XXXX and serviced by Genesis FS Card Services. I opened the account XX/XX/2022 and closed it on XX/XX/2022. I made XXXX purchases totaling {$45.00} and there is XXXX fraud charge of {$220.00}. The current balance due is {$170.00}. I havent even had the account opened a month and they refuse and wont refund me any of the annual fee. How is it fair that I charged only {$45.00} to the account and then I have to pay thier fees in addition. THIS COMPANY IS A JOKE, THEY STEAL FROM YOU, THEY LIE, AND DECIEPT YOU. THEY ARE THE BIGGEST SCAM OUT THERE. I will pay back {$45.00} that i used. But i am not paying back {$120.00} annual fee to an account i closed less then 30 days ago. I closed it because the rep misinformed me and lied to me and said that my fraud charge made would not be adjusted for 60 days and that i would have to make do with {$100.00} available thats left on the card. They sent me a new card ending in XXXX. I have yet to recieve it. I asked to have the card reinstated and they wont re-open it. So why should i have to pay {$120.00} for annual fee on {$45.00} and a card not open for not even a month. This is pure inconsiderate and intent of harm done to a customer. It would be different if the account was remained opened or re-opened. But im not paying {$120.00}. I will contact a lawyer if they try to turn the {$120.00} in on my credit and send my account to collections. I will file a lawsuit. If they try and tarnish my credit score of a XXXX +, I will pursue them to the fullest extent of the law.
Product: Money transfer, virtual currency, or money service

I received an email on XX/XX/23 from someone trying to add to a Cash App that I supposedly sent to someone else. I did not send or set up any Cash App transactions. I also do not have a current active Cash App account. I have not sent or received any new Cash App requests. The person contributing was XXXX XXXXXXXX and the transaction identifier is XXXX XXXXXXXX. I know this is fraud or an attempt at phishing or an attempt to access my device or banking information. I did not set up a Cash App account to my current financial institution.
Product: Credit card or prepaid card

I went to withdraw {$200.00} from an ATM, using my CashApp card on XX/XX/2023. Due to unforseen issues, the ATM gave me {$60.00} cash of my requested {$200.00} amount. The full {$200.00} amount was deducted from my CashApp card. I have tried resolving the issue of the missing {$80.00} funds with both the ATM company- XXXX XXXX, and CashApp. I have contacted the ATM company about this matter and was told by their agents that I would have to request an EFT dispute with CashApp in order to receive the {$80.00} that was verified ( by the ATM company- XXXX XXXX ) to be jammed in the ATM machine. I have requested the EFT dispute with CashApp 2-3 times today ( XX/XX/2023 ) with a different agent each time, and each time they have refused to send the dispute forms. I have already submitted a complaint with the XXXX XXXX XXXX  I am at the point where I will withdraw the remaining funds from my CashApp card, delete my account and destroy my card. Their customer service is horrible and asking to speak with a supervisor only gets you being told " we don't have one that you can speak to. ''
Product: Checking or savings account

I opened a Chase bank account online on XX/XX/XXXX. The account was created successfully and I received the account number a several emails welcoming me to Chase bank.

On XX/XX/XXXX I was unable to login to Chase.com to access products I currently have with Chase, credit cards and mortgage. The message I received was " We weren't able to sign you in ; please call us so we can help. Because of recent activity on your account, we've suspended your chase.com access for your protection. Please call us at one of these phone numbers ... '' After calling customer service I

was routed to Operating Loss Prevention, which informed me that Chase decided to end their banking relationship with me and that no reason would be provided. My account access would be unlocked in 10 days, once they've had a chance to fully close my Chase banking account and any deposits I had made before the account was closed would be returned to me via check in 10 business days, any future deposits would be rejected. After calling several times and asking management for an answer, I was read the same script and provided answers such as Chase can choose to end a banking relationship for no reason, similar to how a consumer can chose to end a relationship for no reason. 
I have already purchase checks for this account around {$30.00}. I also rerouted my direct deposits to this account from my old XXXX XXXX XXXX account, which had to be undone on XX/XX/XXXX. My direct deposits did not reach my XXXX  XXXX XXXX account and were likely declined by Chase. I now have to see what options my payroll department has for resolving this issue. I have lost significant time and effort and funds trying to determine why Chase decided to close an account of a current customer without notice or explanation. This is an unfair practice.
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I had signed a lease with someone and when Covid hit we lost our jobs and had to move out to move in with family. I was in constant communication with the Management of the apartment complex and have signed documents stating me myself moving out. The other person did not have that and yet the responsibility it falling on me when I had did my part. I have reached out after finding this on my credit report. I do not believe I owe the full amount of any at all when I paid the full price of rent alone and had lost my job due to covid. I also did not feel a proper investigation was done.
Product: Credit reporting or other personal consumer reports

An IRS accepted 1099-C demonstrates the debt has been canceled, and the forgiven amount is considered taxable income by the IRS, which must be removed from my credit file. This inaccurate report has unjust, illegal consequences on my credit report and score. 

The report is inaccurate and misleading, and I've provided supporting documentation, such as the 1099-C form, to prove that the debt has been canceled.