23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern : Attached is the original QWR letter I sent Specialized Loan Servicing on XX/XX/XXXX, in regard to compliance with HUD XXXX. According to the law XXXX SLS had XXXX  days to send a letter of acknowledgement, of which they never sent. In addition, by law they also had 30 days to respond to the QWR letter they received on XX/XX/XXXX. 

I even called SLS on XX/XX/XXXX at XXXX to follow up because they never sent an acknowledgment letter or the 30-day response letter to the QWR received on XX/XX/XXXX. Even until this day XX/XX/XXXX I still have not received this legal response letter or phone call to my number listed on the account. 

A follow-up complaint will be filed detailing other Complaints filed with multiple Federal and State Government agencies that this letter was sent to along with evidence of illegal retaliation, and the violation of multiple laws including RESPA 12 U.S.C 2601, Regulation X, 12 C.F.R part 1024 and the CFPA. 

Again, as I stated before the official legal Address for communication channels is XXXX XXXX XXXX, # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and no other address should be used for communication. This applies to XXXX XXXX XXXX XXXX XXXX XXXXSpecialized Loan Servicing . 

XXXX Case Number XXXX filed by XXXX XXXX XXXX shall be vacated ( set aside/canceled ) or done away with as this was illegally filed.
Product: Credit reporting or other personal consumer reports

Applied for a conventional loan on a new home purchase and when I was sent my credit report it was showing two different social security numbers attached to my credit report. One was correct and one was not mine. The bank is asking for an explanation. I am XXXX and have never seen this number appear is previous credit reports. How do i get the number removed from my credit report going forward.
Product: Checking or savings account

I am a customer of Chase Bank with a personal checking account ( with debit card ) and two different credit card accounts. 

On XX/XX/XXXX I was review my account statements/details for XXXX XXXX and noticed a recurring charge in the amount of {$15.00}. The recurring charge was for XXXX and had been processed the last business day of the month since XXXXXXXX Per Chase the charge was made with the debit card ( XXXX  brand ) through a digital wallet. 4 recurring charges for a total amount {$63.00}. 

I contacted Chase to dispute the charge because I have not at any time signed up for or used the XXXX service, therefore the charge is unauthorized and fraudulent. 

I was informed by the Chase agent that the 60 day liability rule as described on my statement would limit my claim to 3 charges for a total of {$47.00}. 

There is not language to defines a XXXX debit card transaction the same as another electronic transaction. As a XXXX debit cardholder I am entitled to initiating a dispute for fraudulent charges. The language on the Chase statement does not clearly articulate that a XXXX debit card is considered an electronic payment transaction and not eligible for dispute beyond the 60 day time period. 

Here is the lingo on the statement : IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC TRANSACTIONS : Call us at XXXX or write us at the address on the front of this statement ( non-personal accounts contact Customer Service ) immediately if you think your statement or receipt is incorrect or if you need more information about a transfer listed on the statement or receipt. 

For personal accounts only : We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. Be prepared to give us the following information : Your name and account number The dollar amount of the suspected error A description of the error or transfer you are unsure of, why you believe it is an error, or why you need more information. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days ( or 20 business days for new accounts ) to do this, we will credit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation
Product: Mortgage

Mortgage payments include money held in ESCROW to pay Home Owners insurance, Real Estate ( Property ) Taxes, School Taxes , County and Local Taxes. Over the past several months, when taxes are due to be paid, Citizens Bank transmits the various payments through a second and third party to the respective government Tax Agency. 
Within this process, the PIN ( Property Identification Number ) becomes changed or altered when it reaches the respective Tax Agency. When the various Tax Agencies are unable to identify which property to apply the funds against, they return the tax payments to Citizens Bank.

Citizens Bank refunds the " TAX REFUND '' as a credit to the mortgage Escrow Account from which it was drawn. NO FURTHER ACTION BY CITIZENS TAKES PLACE. When I receive the next months Statement, I immediately call Citizens Tax Department in XXXX, Tx and might actually speak to a live person. To those employees with whom I have spoken, They seem to feel they have paid the taxes and ask if I want the refund. They don't try to correct any issues or determine why they get a refund. In XXXXXXXX XXXX, the statement shows a " Refund of {$110.00} ''. A City Tax payment was made in XX/XX/2022 for the same amount. In XX/XX/2022, the County Tax was posted for {$970.00} and returned in XXXX to Citizens because the PIN did not match my property PIN. When I called the Citizens Tax Office, the woman I spoke with asked for my PIN. She said their records were different and that's why the taxes were returned. She corrected the PIN but did not resubmit the taxes to be paid again. In the Citizens mind, they paid my taxes. When in actuality they placed me in " PENALTY '' phase and if not corrected and paID BY XX/XX/XXXX, my HOME WOULD BE SENT TO A tax sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 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 XXXX05B ( 15 U.S.C. 1681c-2 ) 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Debt collection

This debt was brought on a person who stole my indenty I never lived at the address XXXX XXXX XXXX XXXX ca XXXX thats where this account was opened
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Money transfer, virtual currency, or money service

I transferred in {$1000.00} in XXXX XXXX and {$11000.00} in XXXX XXXX. 

I purchased Bitcoin and transferred to the wallet address in XXXX XXXX : XXXX I realized its a fraud and reported to Coinbase right the right in XXXX XXXX, but Coinbase didnt do anything to help me on this.
Product: Credit reporting or other personal consumer reports

I am unable to get a bank account and put certain things in my name. I think I have been a victim of identity theft.
Product: Debt collection

On or about XX/XX/21 I got an XXXX Alert for my credit score, I checked it and it was a unpaid debt for {$2300.00} posted from Harvard Collection XXXX XXXX XXXX in XXXX. 
I call Harvard and told them they had the wrong person, Harvard said the debt came to them on XX/XX/21 and was due to be paid by XX/XX/21. i ask them how could they just put that on my credit score without contacting me and allowing me the opportunity to investigate and settle this debt if warranted. Harvard communicated the debt came from Illinois XXXX, I have not lived in Illinois in 30 years. I ask Harvard where did the XXXX XXXX live at they were communicating with, it was indicated XXXX XXXX XXXX XXXX XXXX, I have never lived at that address. I then called Illinois XXXX, and learned this is a debt from 27 years ago, and I communicated to them, they had the wrong person, ask again why is it I never heard of any of this until I got a credit alert, this was on my credit. Harvard Collection violated my rights to dispute / settle a claim. Harvard Action hit my credit score, very hard. I provided my address, and phone number, also requested proof of debt from Harvard and Illinois XXXX. I do not have this, I disputed with XXXX, XXXX, XXXX, this is not my debt and it was attached to my credit without any communication to this writer. Harvard Collection Agency did have my correct and current address listed XXXX XXXX XXXX XXXX # XXXX XXXX XXXX. I know this because Harvard Collection verbally provided this to me after I said I have never lived at XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX {$500.00} disappeared somewhere between the time I transferred it from my Scottrade Brokerage account and my Scottrade Bank account. The company said that they had a technology " glitch '' that day, and after five phone calls and many hours on the phone with them the money is still missing.
I had intended to transfer {$500.00} that I had as a cash balance in my brokerage account into my Scottrade bank account. Initially the transfer went through ( from brokerage to banking ) because my cash balance of {$860.00} was more than {$500.00}. But by the end of the day the transfer was reversed and the {$500.00} disappeared from both accounts and was never returned.
The next day I successfully transferred {$350.00} from brokerage to banking, and I should have had {$510.00} as a remaining balance. My electronic statements however were apparently " fixed '' by someone, and cash balance changed to {$0.00}. A review of my statements shows the {$860.00} balance on the last day of XX/XX/XXXX suddenly changing to {$0.00} on the first day of XX/XX/XXXX.
Somehow Scottrade insists that I owe them the missing {$500.00} ( the {$12.00} is also still missing ). I traded some stocks since then, resulting in a new brokerage cash balance, and today ( XX/XX/XXXX) they illegally raided my Brokerage account and took another {$500.00} from my brokerage account to replace the money that they lost during their computer glitch/technical error.
Bottom line : they had a technical glitch and money disappeared from my account. Their bookkeeping reveals that they manually tried to cover-up their error.
Product: Debt collection

My spouse who I am separated with was contacted by a company on XX/XX/2019 claiming to be a mediation company by the name of XXXX XXXX. They told me that a company that I had previously taking a loan out from called Money Lion was using them for mediation services, and that they were going to take me to court and sue me. They wanted me to verify the last four of my Social Security number which I refused, and also ask them for the companies address, which they refused to verify to me. They told me that that was for {$780.00} plus the legal fees would make the debt total {$1500.00} that I needed to pay To them. I told him no, and I hung up the phone. On XX/XX/2019, they contacted me again threatening to send a citation to my home for me to go to court and that my lawyer needed to contact them. Again, I asked him to give me their name and address, whichThe woman got irate with me over the phone and I hung up. Today on XX/XX/2019, they contacted my husband again and left him an automated voicemail saying that this was their final attempt to contact me. I called them back, and again they can not verify my address only my email address. This time, they told me that I need to set up an arrangement With them, and the name of their company was XXXX. This time instead of {$1500.00}, they said that I Needed to set up a payment arrangement with themFor {$780.00} plus a fee of {$250.00} and if I did not, they were going to send a citation to my home Within 48 hours.The number that they have repeatedly left on these voicemails to call has been XXXX XXXX
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. 

a. Account Name : XXXX XXXX Account # XXXX b. Account Name : XXXX XXXX Account # XXXXXXXX XXXX  Account Name : XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX  Account # XXXX This above referenced accounts are in violation of Fair Credit Reporting Act supported by the following : 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 reporting or other personal consumer reports

RAS LaVrar , LLC owns the XXXX charge off currently being reported on my credit report in error. This charge off does not belong to me and is causing harm
Product: Debt collection

Credence Resource management is attempting to collect a debt that Receivables XXXX is trying to collect as well. This is not even right! One of these companies need to remove themselves. Ive never spoken to anyone at credence resource. I never received a letter.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Accounts came back as verified which is inaccurate. I would like a reinvestigation
Product: Credit card or prepaid card

Card was purchased for an employee of my company, card was purchased at XXXX and should have had {$100.00} on it. The company that provided this card was XXXX  Product was sealed when given to employee. When it was opened, the card had numbers scratched off the front. When we called the company to try to activate it, they told us the funds had been used already. 

They needed me to submit my drivers license ( front and back ), the gift card ( front and back ), a utility bill (??? ), and the receipt for the card. The company also told me that even after all of this, the funds could be tied up for more than a month. 

This is unacceptable and shady, it seems that they make it as difficult as possible to put in a claim and use the money we loaded onto the card. This should not be how business is done.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platforms. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the recovering lost funds was impossible and thats tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers that had also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the Validity and accuracy of some alleged debts that were seen on my credit report that was provided by XXXX.I submitted the letter by priority mail certfied on XX/XX/XXXX which they received on XX/XX/XXXX. They have fail to respond to my request per the letter that was sent and I have checked online to see that the dispute has not been updated or resolved as of yet.
Product: Debt or credit management

This card was paid off and debt collectors still say I owe this was back in XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Equifax Team, My First & Last name are as follows : XXXX XXXX XXXX. 



My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 



**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX XXXX XXXX delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX **Incorrect Address : ** The report includes an incorrect address of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The addresses listed above I have not resided in. My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These names and addresses has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 16815-2 ( AX1 ) 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. 



I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made. 



I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 



Thank you for your cooperation. 



Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Heres how you can fill out the Describe what happened section concisely and effectively : I recently noticed that a late payment has reappeared on my credit report, even though it was previously corrected. On XX/XX/year>, I filed a dispute through XXXX XXXX, which was sent to TransUnion ( File Number : XXXX ). TransUnion reviewed the dispute and resolved it on XX/XX/year>, with the late payment being removed.

The issue was initially addressed because the account had been paid off in full, as confirmed by both in-branch and phone representatives. Despite this resolution, the late payment has now reappeared on my report, causing an ongoing negative impact.

I request that this error be reviewed again and the late payment be permanently removed. Supporting documentation is available if required.