23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

having trouble submitting documents it keep rejecting and when i mailed it certified they got it but no update. 
Identity theft and i sent those documents.
Product: Debt collection

I 'm XXXX, you used The CBE group to take my XXXX away to pay whatever. I used to live on {$XXXX} a month, you are taking {$300.00} away from My XXXX. I ca n't live on so little. Please forgive what you think I owe. I 'm dying. I sent XXXX letters of hardship, no one even looked at them. Is it ok, to kill me? Why do you have outside company 's like CBE and now another to do harm to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX conducted a inquiry to my credit report for the sole purpose of refinance my mortgage. Key findings from this inquiry demonstrated that the credit bureaus deluded their updates. I am tired of living under the shadows of credit inaccuracies and prolonged delays in updating records. Specifically, with XXXX XXXX XXXX XXXX 's perpetual financial oppression to XXXX and XXXX minorities. 

XXXX XXXX XXXX continues to misreport my payment history ( see attachment # 1 ). Credit reporting agencies are culprit by refusing to properly update my file. These economic disparities are affecting my ability to access better interest rates, economic opportunities of refinance and roadblocking financial pathways to freedom ( i.e. : XXXX 's economic repression and enslavement ). 

On XX/XX/2021, a second request for investigation was sent to Equifax, XXXX  and XXXX XXXX see attachment # 1 ). On or around XX/XX/2021 investigation results were mailed and updated ( see attachment # 2 ). The results showed on-time payment history. 

I am frustrated with inequities of a fragmented reporting system that caters to financial organizations rather than consumers. I hope the Consumer Financial Protection Bureau enforces measures that protect consumer like me. Consumers who have been neglected by credit reporting agencies and whose interests are not in line with corporations or banks.
Product: Checking or savings account

Accounts opened in my name from the internet in XXXX and closed 2 months later in XXXX, never was notified. I believe that my entire account at Wells Fargo was subject to fraudulent activity. I was never notified. I had over 10 accounts opened in my name. I have never had access to a full set of statements. I became XXXX  in less than 2 years after depositing over XXXX in XXXX. 

I have many files but I don't want to open myself up to more possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to convey my deep frustration, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous efforts to resolve this matter and my thorough submission of all necessary documentation, including the FTC Identity Theft Report, this fraudulent account remain unresolved, and my credit report continues to display inaccuracies that are severely affecting my financial standing and peace of mind. 
I brought this fraudulent account to your attention with the understanding that an investigation would be conducted and that the account would be removed if found to be fraudulent. Since then, I have sent multiple letters and provided all required documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence I have presented, I am deeply frustrated that my efforts have been in vain. The account in question remain on my credit report, and I have not received a satisfactory resolution or clear communication regarding the status of your investigation. 

It is extremely disappointing to experience such neglect and lack of responsiveness from an institution that plays a critical role in protecting consumer financial information. The continued presence of this fraudulent account is not only unjust but also a significant violation of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXXXXXX.
Product: Checking or savings account

I got scammed and money was taken from my account. I sought help from my bank and reported the whole issue. I filed a police report as well and even law enforcement told me that whoever this to me were obviously professionals. I sent Huntington Bank all the screenshots, emails and evidences to support my case but they told me thy could not recover my money. Huntington Bank was also telling me that I need to pay back the negative balance. Please help me and my family. The money I lost was blood money and i worked really hard for it to cover our mortgage and bills. With a negative balance, I do not know what to do. Huntington told me to contact the merchant. The merchant is a scammer. Please help me resolve this on our favor.
Product: Credit reporting or other personal consumer reports

LVNV funding is reporting an open account on my report for the amount of {$610.00}. This information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX BANK XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXXXXXXXX XX/XX/XXXX {$1700.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a goodwill letter to Synchrony/Care Credit because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead Synchrony/Care Credit reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When Synchrony/Care Credit reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet Synchrony has damaged my credit further. I hear about Synchrony Bank damaging many peoples credit with their practices. I repeat a goodwill letter was sent to Synchrony/Care Credit - not a dispute letter.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to make a {$200.00} withdrawal from a Citizens bank ATM which was declined due to an equipment error by the ATM unit. The next morning I saw that my account had been debited the {$200.00} which I never received. I attempted to resolve the situation in telephone calls to Citizen 's Bank on XX/XX/XXXX and again on XX/XX/XXXX but was told that their " investigation '' was ongoing and that I would need to wait until XX/XX/XXXX before the funds I never received would be credited back to my account. 

If Citizens Bank is doing this to me, then they are definitely doing it to other people who can not afford {$200.00} being taken from their account by their bank 's malfunctioning ATM machines and I hope that CFPB can help correct this gross deficiency by this bank.
Product: Mortgage

Description : Mortgage closed with XXXX XXXX in XX/XX/2020 then was sold to Lakeview/XXXX. I have an FHA ( principle, interest, taxes, insurance escrowed ). Lakeview/XXXX has failed to pay my homeowners insurance on time causing them to send me a letter of cancellation. The letter does give me the option to pay out of pocket to keep the policy from canceling however I have paid out of pocket w/in my mortgage payment each and every month with the funds sitting in an escrow account. Lakeview/XXXX was instructed last week by goosehead insurance. ( see letter attached )
Product: Vehicle loan or lease

I had a loan car with Ally on XXXX  and I trade in the car for a new car and there were a money that they should refund me since the amount of the car were paid off. So I moved from XXXX XXXX Tx to XXXX Tx and I haven gotten my old mail until a month ago which was XX/XX/XXXX. I found two checks from Ally one of the checks was for the amount of {$840.00} Ch # XXXX and the other for # XXXX Ch # XXXX. Those checks has dated of XXXX, so I sent an El mail to them through the app let them know about the checks and if they could send a new checks with the date updated, and they said I should call because they need more information. I called and one of the representatives who took my call assured me that the checks will be send them during the 7 or 14 days, and he cancelled the old checks. Well the 14 days passed and the checks never arrived. So I call Ally again and other representative told me that I should call next day and the checks will be send them through the night, and I said how they will be sending the checks during the night mail if they couldnt send the checks in 14 days. So I asked him to transfer my call to his supervisor and XXXX con badge # XXXX took my call and she said that the checks can be send them because they are in investigation because they need to know where is the money of that checks, and the investigation will be lasting around 4 weeks to 6 weeks. I really was upset because that looks that they were just telling me lies just to dont call again. So I sent another email thro the app because they said those email goes directly to accounting department, and they just ignored my email. So today XX/XX/XXXX 4 weeks already from my first call I decided to call again to know the updates on the checks and see if they finally have sent the checks, now another representative told me that I have to wait another 4 or 6 weeks because they have to know where the money goes because the money doesnt appear in their accounts, that they can see that the checks have found and still have founds but they have to check where that money went internal to could send me the new checks. I have another car financing with this company and actually I dont know if they are a trusted financial company since they are just keeping that money. I dont know what is the problem with the checks if like I said that money is mine and I have all the right to have it, because the car was paid in full, and they dont have any right to take it. I really appreciate any help that you can give it to me, because like I said this people just are telling me different stories and at the end they will keep the money to them.
Product: Credit card

On XX/XX/XXXX I was notified by a third party credit monitoring app that I had a delinquency to my XXXX credit card. I logged into my account and checked to ensure my balance was paid in full. It was as of XX/XX/XXXX. Afterwards, the company kept charging me interest of {$2.00} every month and now, late fees with no notifications and no statements indicating this. I have not received any emails or paper notifications. The company keeps charging {$2.00} interest every month and has not made any attempt to reach out regarding this. I called and spoke with XXXX on XX/XX/XXXX and was only told that I owed money. I've used this card for years and have paid my balance in full and yet was given no resolution to this issue. I was told that I was at fault for not calling and checking whether I owed interest. I'm truly appalled not only at the answer I received but the lack of communication from this company. I'm really disappointed that even when I asked why I was being charged interest, I was not provided with a clear answer either.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the XXXX credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a XXXX dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. With XXXX XXXX, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to XXXX, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! For the XXXX XXXX XXXX XXXX XXXX account, there are XXXX late payments reporting, neither were valid either! XXXX of them, they admitted to their system being down due to XXXX and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened XXXX new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. For XXXX XXXX XXXX XXXX I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!
Product: Vehicle loan or lease

I have an auto loan with XXXX XXXX XXXX XXXX XXXX. It is set up for autopay. My XXXX payment was supposed to be deducted from my checking XXXX This did not happen and when I tried to contact the company all numbers are not in service. XX/XX/ I received an email from XXXX XXXX XXXX informing me that my loan is past due. I tried responding to the email but my message was returned as undelivered/unable to deliver. I then checked XXXX XXXX and my auto loan is showing a XXXX balance when I still have a little over 2 years remaining on the loan.
Product: Debt collection

This debt was settled and paid in full to a different firm. Capital Management Services LP is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm.
Product: Debt collection

This XXXX treatment was paid at the time of service.In addition I possessed XXXX insurance ( 100 per cent coverage ) at the time of treatment.I have disputed with XXXX and XXXX credit bureaus and only XXXX has deleted while XXXX has verified and XXXX has taken no action. 
I do not want to be designated and damaged by this debt being proliferated to 3rd parties, when in fact it is not owed
Product: Mortgage

This an addendum to previuos complaint again st Ocwen Servicing.Both  previous Loan Modification are not included in the paperwork that has been mailed to you.I had a Loan Modification in XXXX  with  GMAC Mortgage  with a fixed rate of 4 %, also  Hamp Modification was approved by Ocwen Loan Servicing i n  XXXX   XXXX .My relationship manager at that time was  XXXX   XXXX  who called me in  XXXX , AZ whil e I w as on assignment there.As previously outlined the court trial on  XXXX   XXXX  evolved around the issue of not having received the actual paperwork in  XXXX , NV un til mid   XXXX   XXXX .The file mailed to me by your agency contained the shipping label and a piece of paper with my fprwarding address.The argument being served via Publication therefore is unfounded.According to a law firm in  XXXX   XXXX   XXXX , Florida  the letters I mailed to Ocwen Loan Servicing requesting information meeting criteria for QWR under the truth in lending and therefore should have been ans wered.There is no mentioning of any Loan Modification on the original complaint to the court.Both parties,  Ocwen Loan Servicing a nd  XXXX   XXXX   XXXX   XXXX   XXXX   are one entity  and not two  XXXX   XXXX , Attorney for   XXXX   XXXX    XXXX   XXXX , and  XXXX   XXXX   XXXX , Loan Analyst for  Ocwen Loan  Servicing should be  held accountable  for an explaination.Furthermore,  XXXX    XXXX    XXXX  Dollars were deducted out of my bank account by  Ocwen Loan Servicing WITHOUT my authorization.Under  RESPA  ,  QWR, Truth  in  Lending, Regulation Z I hereby request following items : COMPLETE copy of BOTH Loan Modification including cover letter.Under the information request QWR, name and address of unassigned lender or private investor and explaination for unauthorized withdrawal from  XXXX   XXXX .Thank you for your attention in this matter.Respectfully,  XXXX   XXXX .
Product: Debt collection

CITI sent me an statement for a alleged debt. I am CONSUMER pursuant to Title 12 u.s.c 5481 ( 4 ), NATURAL PERSON pursuant to Title 15 USC 1602i, & ORIGINAL CREDITOR Pursuant to Title 15 USC 1602g. Im the Original creditor granting the CITI the right to credit Pursuant to Title 15 u.s.c 1602f ( the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ). No comparable cash transactions in this consumer credit transaction. I do not verify or validated the alleged debt pursuant to Title 15 USC 1692g ( c ). CITI VIOLATED Title 15 USC 1692e ( 11 ) communication failed to contain the mini-Miranda warning This is an attempt to collect debt ... communication is from a debt collector CITI is a Debt Collector Under TILA & FDCPA.

CITI VIOLATED Title 15 USC 1692g ( a ) ( 3 ) Must state right to dispute within 30 days CITI VIOLATED Title 15 USC 1692g ( a ) ( 4 ) Must state right to have verification/judgement mailed to CONSUMER CITI VIOLATED Title 15 USC 1692e ( 2 ) Character, amount. Or legal status of the alleged debt
Product: Credit reporting or other personal consumer reports

Please help with the following inquiries as they were not innitiated by me and are fraudulent. 
XXXX XX/XX/year> XXXX XXXX XX/XX/year> Please remove from my consumer report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 or other personal consumer reports

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX fl XXXX All credit company Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement. 

The information listed below appears on my credit report, but I did not make or approve of these transactions. 

Please delete the following addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX - REPORTED XX/XX/XXXX Please delete the following phone number : XXXX ) XXXX This is not my number Please update My Phone : ( XXXX ) XXXX ( Please include on fraud alert ) I did not authorize the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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  SO Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My Phone : ( XXXX ) XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 


XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20.00}