23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with Freedom Mortgage. Previously I paid through my local bank. They sent the company a PAPER check. 

Starting in XX/XX/2018 it was done by Electronic transfer. 

I have sent the company three payments totaling {$19000.00} in XX/XX/XXXX. 

NONE have been credited to my account as of XX/XX/XXXX I called my Bank in late XX/XX/XXXX and they confirmed that the payments were sent through the " Federal Reserve ''. 

They contacted the mortgage company - no response from the mortgage company I contacted the Mortgage company and was told they were aware of the problem. They were conducting an " investigation '' to find out why, internally, they did not credit the payments to my account. 

They, so far, have not credited my account and have not communicated the results of their internal " investigation ''. 

I do not think I should have to wait to get my money credited while they decide where their internal controls failed. 

Plus what do I do about my next loan payment?
Product: Debt collection

After a long credit/debt relationship, hardship came and forbearance request granted but then cancelled by " creditor '' without consent of " creditee. '' Account was sent to collections. Debt validation request sent by " creditee '' XX/XX/XXXX which was denied by BOA and remains unanswered. " Creditee '' has not heard from nor had any communications from " creditor '' since sending validation request letter. 

On XX/XX/XXXX " creditee '' received a summons complaint, being made defendant on account stated complaint. " Creditee '' still awaits proof of original consideration, loss, as paid from claimant, " creditor '' accounting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XXXX {$1000.00} I've reported that this account is not mine. I dont have a account with XXXX at all. I've disputed this MANY times, its been removed many times but still shows up every month. I've contacted XXXX and they told me this account doesn't even exist but this XXXX XXXX XXXX collections says it does. I asked att for a copy of any phones I have, none exist, Account information, None exists. The damaged been extordinary to my credit score for YEARS for no reason whatsoever.

Please resolve this issue. I'd be greatfull, Respectfully XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl. XXXX
Product: Checking or savings account

HSBC advertised {$750.00} sign on bonus after depositing {$100000.00}. I confirmed this offer with them in XXXX ( see attached ) and I completed the requirement on XX/XX/2018. Now it's been over half a year and I still haven't received the sign on offer. I attempted to contact them but now they say they can't find this offer ( see attached ). They have been very slow in responses and I've tried to contact them multiple times. Please let me know if you need more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, XX/XX/XXXX I recently received an update from XXXX XXXX in regards to two new hard inquiries showing on my report from someone attempting to open an acct at XXXX as well as Capital One that I did not appprove on XX/XX/2018. I have contacted the companies and was provided with this website to follow through with the dispute. Im unsure of who the person was since my wallet has been lost/stolen since early XX/XX/2018.
Product: Debt collection

I received an invitation to enter into a contract by way of accepting terms by my silence if not replied within 30 days in XXXX of XXXX by Caine & Weiner, I disputed this companies validity of debt XX/XX/XXXX by Certified US mail. Merchant never validated the ownership of this debt, XX/XX/XXXX creditor illegally reported this account to credit bureaus without validating ownership of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a dismissed bk that I have already sent an FTC report previously and said it had been verified I contact the bankruptcy court they said they dont report to credit bureaus which I attached a letter so I dont know where Equifax got this information from. They are in violation of placing inaccuracies on my consumer report and have cause a lot of damage and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB (  COMPLAINTS : XXXX, FILED XX/XX/XXXX-THURSDAY, AND XXXX, FILED XX/XX/XXXX-MONDAY ) I AM PROVIDING THE REQUESTED XXXX XXXX  STATEMENT VERIFYING THE XXXX CHECKING ACCOUNT WHERE THE XX/XX/XXXX ( FRIDAY ) CONFIRMED BILL PAYMENT WAS DRAWN FROM WAS NOT " FROZEN ''. The active activity on the account during the months of XX/XX/XXXX-XX/XX/XXXX confirm the account was not frozen. More importantXXXX XXXX XXXX   does not have any judgments NOR writs of execution, WOES, permitting levying or " freezing '' any of MY XXXX ACCOUNTS (  XXXX XXXX ACCOUNT CLOSED XX/XX/XXXX-thursday, XXXX checking account XXXX ). This new CFPB COMPLAINT IS TO PROVIDE THE REQUESTED INFORMATION TO XXXX XXXX AND INCLUDE WRITS OF EXECUTION FOR THEM TO ACT UPON. 

IN ADDITION, THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX AUTO FINANCE ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX  ( XXXX  ) ENHANCEMENT. 

I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES  ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) AND ALL FOLLOWING MONTHS PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX  XXXX XXXX HAS PROFESSIONALLY BEEN MADE AND MADE PERMANENTLY. 
IN ADDITION, XXXX XXXX XXXX, MISS XXXX, MS. XXXX, AND MS. XXXX ARE NOT TO CONTACT ME. I am in receipt of a letter from Ms. XXXX refusing to make the required corrections. A telephone conversation on XX/XX/XXXX-Thursday at XXXX with Miss XXXX requesting XXXX XXXX  STATEMENTS DOCUMENTING THE XXXX XXXX  CHECKING ACCOUNT NOT FROZEN IS INCLUDED ( ACTIVE ACTIVITY ON ACCOUNT DURING THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX ). 

I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the 30th of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). 

THE NEGATIVE, ADVERSE, INACCURATE CREDIT REPORTING ( IN ERROR ) OF DELINQUENCIES IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, AND XXXX ) AND XXXX. TRANSUNION IS REPORTING A CREDIT SCORE OF XXXX. 

This correspondence is to officially affirm to CEASE AND DESIST with any further ADVERSE INACCURATE CREDIT REPORTING effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). XXXX   XXXX XXXX YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} FOR EVERY MONTH YOU FAIL TO TIMELY MAKE CORRECTIONS Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Product: Debt collection

XX/XX/2016 Reported {$2300.00} Reported as Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$710.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}.
Product: Debt collection

I was living in an apartment complex called XXXX XXXX. I had been there 3 years when I began having trouble with an upstairs neighbor. I have XXXX and she was barbequing frequently in front of my apartment patio. This was in violation of complex policy which required 10 feet away from the building. i could not confront her about this because she was hostile to any complaints made about her by any of the other residents. Complaints to management went poorly as management changes personnel about every two or three month. I would file a complaint, they would tell her to stop and a week later she was doing it again. Then a friend of hers starting parking his car outside my apartment at night and turn his radio up full blast ; turn on his high beam to flood my bedroom. Wait for me to get up and then drive away. I complained about this too and told them It was effecting my health severely. Again, no further action was taken by the management. Then she got into an argument with an elderly neighbor across from her. The next day that woman was found dead. Then she beat up her son in front of my apartment and I called the police on her. Then she had XXXX XXXX and management treated her unit but not anyone else 's. I was forced to treat my own unit at my own expense. When I informed them I could not live under these conditions they did nothing to work with me about resolving the problem.. It seems since she was a XXXX XXXX resident and I was not ; she had preference to stay there. I oved out owing 3 months rent on my lease. Since then I have filed disputes with them and with the collection agency ; which is not in my state of Missouri. I find now, that that agency, I Q Data International in XXXX Washington is adding interest charges to this account. It was originally {$1000.00} but is up to {$1300.00} in the space of two months. This has ruined my credit score more then XXXX points. I feel the apartment failed to honor the contract long before I did. And they waited three years to turn it in to collections. The management company is XXXX XXXX
Product: Credit card

I am very upset and disappointed in the rewards change of my XXXX credit card. The free night benefit removal has been a disappointment. In addition, I just the annual fee charged to my account. {$75.00}. 

I believe it is very bad practice to suddenly change the terms of card ; In addition the old terms were advertised in marketing materials and in statements, website. 

To add insult to injury, I just found out that US Bank and XXXX XXXX have been selectively issuing free night certificates to select customers. 

I would like to also received the free night certificate. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is using their data hacking situation to scam consumers to purchase their credit tracking product once they are identified they are victims of the cybersecurity breach. When consumers contact Equifax to learn if they are victims for the recent Equifax fiasco, they are asked to enter their identity information to confirm if they are a victim. Once Equifax identifies that the consumer 's information has been hacked, they transfer the consumer to their XXXX XXXX XXXX product. This product provides the consumer with a skeleton information of their credit information ( barely any information at all ). If the consumer  complaints, Equifax forces the consumer to acquire their full spectrum of their credit tracking product at a heafty fee.
Product: Checking or savings account

Huntington bank allowed XXXX fraudulent checks to be cashed the same day to the same person ( XXXX XXXX ) who I do not know without validating a valid signature on XX/XX/year> in the total of {$1400.00} and {$1800.00}. It went to an investigation and they speculated that I had not secured my checks properly but they have always been in a locked location and denied the forgery claim. Reference number XXXX. Because it was memorial weekend I couldn't do anything until the following Monday and the checks had cleared by the time I could do anything. I have closed the account since then.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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. 

List of Unauthorized Inquiries : 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 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. 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

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # FTC Report NumberXXXX attached ).
Product: Debt collection

I owed {$150.00} to XXXX XXXX for a medical service, which I paid directly using my health flexible spending account. If you contact their accounting office, they will confirm receipt of payment, but I'm also attaching what they sent me as proof of their own ledger system. 

Somehow the debt went to a collection company named Professional Finance Company ( PFC ), po box XXXX XXXX XXXX XXXX. Telephone number XXXX. I did not receive a notice / bill from the company but learned of the issue via a derogatory entry on my XXXX credit report. 

I have tried multiple times to contact Professional Finance company directly via phone ( leaving voice messages ) and I tried to dispute via XXXX, both to no avail. None of my calls have been returned. And XXXX has been experiencing a technology issue for the past few weeks which prohibits me from uploading supporting evidence. Without the evidence, XXXX can't proceed with investigating the dispute. 

I have spent countless hours on the phone, writing emails and working on XXXX 's website that isn't functional. I'm hoping this agency can help me get remediation and remove the item from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has failed to resolve the investigation, I have requested debt validation and they have not provided yet they responded to the compliant I placed in this portal as unable to resolve so since they are usable to resolve or investigate, I demand that they remove their information from my credit file as this doesn't to belong to me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report.It has been over 30 days and i have not received any investigation results.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : VIN # : XXXX REQUEST FOR INFORMATION This letter is simply a request for information in regards to the XXXX XXXX XXXX. 
I bought this vehicle on or around XXXX from your dealership. I was hoping that you would be able to provide a copy of the following information for my records : -Copy of the Retail Installment Contract -Copy of the Arbitration Agreement -Copy of any other documents I signed that day -Down Payment Receipt My contact information is as follows : XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX violated/violating my rights. 

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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a bankruptcy showing on my report for years. XXXX  and Experian refuse to investigate and provide verification on who they spoke with to obtain the information used to verify this bankruptcy as belonging to me. I have mailed XXXX and Experian documents relating to the bankruptcy, proving that the bankruptcy should not be shown on my credit profile. They refuse to remove it resulting in my credit profile suffering tremendously. XXXX and Experian also refuse to remove inquiries on my profile that were not authorized.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXXXXXX XXXX Account Number - XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter.