23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> Dear XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request consideration for XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting this forgiveness based on XXXX XXXX I believe that my situation aligns with the criteria outlined for forgiveness under [ mention the specific program or statute, if applicable, such as XXXX XXXX XXXX XXXX, XXXX XXXX. 

I understand that you XXXX require additional information to process my request and am happy to provide any further documentation as needed. 

Thank you for your time and attention to this matter. I am hopeful for a favorable response and look forward to hearing from you soon. Please feel free to contact me at [ your phone number ] or via email at [ your email address ] should you need any further information.
Product: Credit reporting

I would like to complain about EQUIFAX because they sent me a letter on XXXX XXXX denying me an investigation regarding accounts that have been delinquent and inactive since 2008. I have suffered over 8 years at the inaccurate reporting of these accounts and they keep leaning on their false information and using it again me and refusing to conduct an investigation. They are reported incorrectly and these accounts have not been paid or negotiated with since 2008. A ) XXXX XXXX B ) XXXX XXXX XXXX # XXXX C ) XXXX XXXX Bank # XXXX are all inaccurately reporting. I demand all paper work they used to verify and deny me my removals. The dates of delinquency are inaccurate and further unverifiable and outdated, these accounts are incorrect. These are not lawfully or honestly reported and this is a sever violation of FCRA law and CFPB guidelines. Please help me pursue an appropriate investigation against their lack of investigation and legally removing these terms. I would like to know my options in case i am in need of an attorney. They are pushing me away and asking me for a statement, which i absolutely refuse because that would make their illegal and incorrect reporting allowable and that is not fair nor is it legal. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I both have " excellent '' credit ratings with all three credit reporting companies. However, both of our XXXX credit reports include the following new inquiry : MICROBILT XX/XX/2018 Collection Reseller XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX We have never had any accounts, business or contact with " microbilt '' that would permit them to legally seek access to our credit history, and we have not authorized any credit inquiry by them. I recognize what a " Collection Reseller '' is, and we have no delinquent accounts, nor any accounts in collection. 
I attempted to file a online dispute with XXXX, but their online dispute process has responded " temporarily unavailable '' during multiple attempts per day over four consecutive days. Neither of our XXXX or XXXX credit reports reflect this inquiry, so I am unable to file a fraud alert with either of those credit reporting companies. 
I attempted several times over the past week to phone Microbilt at the number provided in their inquiry ( above ) and the phone quickly went dead without being answered, until I was finally able to leave a voicemail message today ( Sunday ). 
This inquiry is a fraudulent post of false negative account information that damages our credit standings. Additionally, it was used to obtain illegal access to our my credit files. We are concerned that this unauthorized access will lead to identity fraud.
Product: Mortgage

My husband and I have a XXXX mortgage with Specialized Loan Services out of XXXX Colorado. My husband had a business issue and had to file a chapter XXXX, but did not charge off this debt and has repeatly requested a reaffirmation, from the attorney and from himself. We understand that is option, however, I did not file and BK and I am the co partner on this loan. We have continued to make payments and all payments are current. They refuse to give me a statement, the have issues every month applying the payment in the right place and they will not respond to my request for a statement. So we understand, this is a clear violation of the new laws/rules, that they have no reason, not to provide me with a statement and apply the payment correctly and we do not understand, why they will not provide a reaffirmation agreement, but since we can never reach anyone, this has been difficult as well.
Product: Debt collection

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Product: Mortgage

I applied for mortgage assistance from my state. My mortgage company didn't follow through and the state never heard back. They were willing to help. Instead, the mortgage company put me on another remodification and lowered the monthly payment a little but the state was willing to pay the back payments. I'm still struggling because I'm waiting on social security XXXX. Social security is still working on my claim and may not be resolved until XXXX. I only work 2 days a week due to back problems.
Product: Vehicle loan or lease

I had an auto loan with Capital One and refinanced the auto loan with XXXX XXXX. I received and mailed off the payoff check to Capital One on XX/XX/XXXX. On XX/XX/XXXX, I called and asked if the check had been received & was told it was not. Mind you, it matters not when you mailed the check out, only when they acknowledge receiving the check. Every day that passes, additional interest accrues to the balance. Worried that the check was lost in the mail, I went to the nearest XXXX XXXX branch to get a second check and XXXX XXXX put a stop payment on the first check. Instead of mailing off the second check, I deposited the check into my Capital One checking account so that I could pay off the loan online instead. However, on XX/XX/XXXX, the account was closed & " paid off '' and I was unable to make a payoff payment. I called Capital One and informed them that the first check was no longer any good and that I wanted to make the payoff online. I was told that I would have to wait for the first check to return and the account to reopen. On XX/XX/XXXX, a representative assured me on a recorded line that although they could not accept a payment on a closed account, if I made the payment the day it reopened, no additional interest would accrue on the account and the payoff amount would be the same as the day it closed. With her reassurance, I did not call back again until the account opened back up on XX/XX/XXXX and an additional {$160.00} in interest had been added to the payoff amount. I would like Capital One to honor what was told to me on XX/XX/XXXX & receive a reimbursement of the difference. It was more than " XXXX business days '' before the account reopened, they refused to accept a payment from me on a " closed '' account, yet hefty interest was allowed to accrue on a balance that shouldn't have existed if they would've accepted a payment from me. I want transcript and/or a recording of the recorded phone call on XX/XX/XXXX if they will not honor what I was promised on the phone. Thank you.
Product: Checking or savings account

The Bank that I'm referring to in my complaint is Wells Fargo. On XX/XX/XXXX I woke up to notifications of 2 transactions one for {$140.00} to XXXX XXXX and another one for {$500.00} to Redily which I later found out is similar to Money Gram which allows you to wire money electronically. I called the bank immediately after I noticed. Later on that day I noticed the bank reimbursed me for both fraudulent transactions from my checking account. I moved on with life. Come XX/XX/year>. I see XXXX have been deducted from my account. I looked at my account and it said " provisional credit reversal ref. # XXXX. ". I immediately called Wells Fargo and they inform me that they concluded their investigation on my claim from XX/XX/year> and determined it was a legit transaction. Pretty much that I had made that transaction. I explained my frustration and how unfair this was for me to be held accountable for something I didn't do. My bank pretty much said I was lying about this claim. I was very disappointed in my bank and worried about how I'll recover from such a hit to my bank account. It was {$500.00}. And I didn't do that transaction is what I explained to my bank. They told me It was up to me to follow up with the merchant in which the transaction took place and see it they could do anything because as far as their end, the investigation was over. I tried calling XXXX and I had no luck since the bank called them to investigate and they flagged it closing the account. I couldn't get answers about where my money went. In the mean time I wait for the proof that supposedly the bank was going to send. I've called them 3 times asking them why they haven't mailed it. They give the run around everytime saying it takes 30 days. It's been 3 months and nothing. This is completely unacceptable and in the mean time I'm short {$500.00} in these hard economic times. Why Wells Fargo??? I have no faith in banks now and try to keep as little as possible now.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. 
These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never gave consent for its creation. I've attached the required documentation to validate my stance. I'd appreciate your swift action to address and correct this issue by ensuring the removal of the accounts from my credit report. see attached
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( Westlake Services LLC. ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( Westlake Services LLC. ) of any sort. 

In regards to The company ( Westlake Services LLC. ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( Westlake Services LLC. ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you remove this inaccurate data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that I may be potentially impacted from the credit breach that occurred at Equifax. Please try to help me in any way possible and include any information I need to do to protect myself from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XX/XX/2022. I was looking for the XXXX XXXX and found one  on XXXX So I contact the scammer via phone message. He induced me to click the link that connected to TransUnion. The scammer said he need a credit score before I schedule a tour for the house. It was suspicious since I had to put my credit card number when I get the credit score. However, He said that I need to pay only XXXX XXXX and it's refundable. It turned out I signed up for the credit monitoring service and already made a payment of {$25.00}, which is not refundable. So I immediately canceled the subscription. I hope there is no other victim from this guy. I'm writing down the email address and Phone number of the scammer. These contacts were probably created in an anonymous way tho. 

Email : XXXX Phone : XXXX
Product: Debt collection

I have forwarded receipts ( 2x mail, email ) to ProCollect showing my balance is XXXX. I also informed them to remove this collection from my credit reports and to restore my score back whole. I spoke to ProCollect several times and received the same answer We didnt receive your information, send it again. ProCollect staff are rude, unprofessional and aggressive people. Am trying to provide information to them so this matter can get taken care, remove this issue from my credit reports and restore my credit score. The paperwork is from the management who filed the dispute with ProCollect. I also inform ProCollect to contact the XXXX XXXX XXXX to resolve this issue and they refuse.
Product: Money transfer, virtual currency, or money service

Regarding complaint XXXX. 

I never received bank of americas response. 

I have emailed twice and called the number provided. 

Please email me a copy. 

I have no idea what the resolution was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Account Status. Please correct or remove this. I have requested this from each company over 4 times each letter sent over 35 days apart. I requested to verify account being in collections with information validating this or In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 


Accounts listed are- XXXX XXXX XXXX XXXX  XXXX XXXX ( listed 5 times XXXX XXXX mortgage showing late
Product: Credit reporting, credit repair services, or other personal consumer reports

I initated a dispute with the major credit bureaus as I have no knowledge of this account or collection the three credit bureau assured me that this information is valid and true regard Security Credit Services ( Debt Collector ) I then requested validation of the said debt via certified mail on XX/XX/2021 when the letter was sent to the address listed on my credit bureaus the mail was returned with no forwarding address confused I reached back out to the Credit Bureaus ( XXXX, XXXX, XXXX  ) to dispute the incorrect information being reported with proof the the returned mail from said debt collector 's invalid address that was still being reported on my credit report to my surprise on XX/XX/2021 the credit bureaus stated the information was correct and followed FCRA regulations I have attached the copy of the returned mail along with receipt along with receipt of the certified letter that was issued on XX/XX/2021 2021
Product: Vehicle loan or lease

Hyundai Motor Finance ( HMF ) received and cashed a {$17000.00} check from me in XX/XX/XXXX for the payoff of a leased XXXX XXXX XXXX. It is now XX/XX/XXXX, and after dozens of attempts with HMF to resolve the problem, I STILL do not have my title. I have spoken with countless individuals throughout the year who have all reassured me that they will escalate the problem and get a resolution but that has still not happened. I have been told at least 5 times that I would be receiving the title in the mail within 10 business days but never receive it. This seems to be a common problem with this company and is inexcusable! I need the title to register the car that I paid for!
Product: Credit card

Capital one is a public trader thats listed on an sec.gov and violating the SEC laws also valid the fiduciary duties, which is result into identity theft 15 USC 1681B and 18 USC 1028a
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. Act Name : XXXX XXXX XXXX, USC 1681 section 602 A, 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 an account without my written 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, 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 an account without my written 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Mortgage

Asked for assumption of the Loan paper, so the loan can be assumed or refinance. 
Asked for information of itemized charges of other on loan statement of charges. Since the Sale date asked for these packages and have not received information. 
asked for the original note as well., and detailed account of the loan.
Product: Debt collection

Today, on XX/XX/18 at approximately XXXX, I answered the company phone at my job and it was a call from a collection agency. XXXX XXXX from XXXX, XXXX, XXXX, XXXX XXXX stated that she was calling to talk about garnishing my check. She did not know it was me answering the phone but gave my name out and specifically stated she was calling about garnishing my check. I am not over HR. I am just a regular employee in the office. She didn't ask for my name until I asked was it illegal to give out employee 's name 's regarding garnishing checks to any employee. 

I called the office to speak to the supervisor and was transferred to her number. After I told her not to call the office giving out my personal information, she stated it was not illegal because she sent a letter in the mail to my boss so that made it public knowledge. I am not a lawyer but I did study some business ethics and I know that is not true. She is only allowed to discuss collecting a debt with me or my employer/the person responsible for issuing my check. As a supervisor, I would also expect her to be competent enough to not make such a mistake no matter how eager she is collect money.
Product: Mortgage

My loan transferred from XXXX to Chase. Starting XX/XX/2021 Chase mortgage start to charge flood insurance premium {$1300.00} annually. But I do not need to get a flood insurance. I shared FEMA documents that I got from XXXX team who used to take care my loan service. But Chase team didn't approved the document and got flood insurance and start to charge it. 

Whoever review this should contact below so he can explain why this zone isn't flood zone. I shared this but ignored. 

XXXX XXXX at XXXX XXXX XXXX at XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX Account Systems on XX/XX/XXXX with a balance of {$100.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 
XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX Bank XXXX ( XX/XX/XXXX ) I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What
Product: Debt collection

Convergent is attempting to collect a debt that I do not owe. ThereforeConvergent has no legal right to attempt to collect any money from me. I have not ever authorized an account under the creditor that Convergent is attempting to collect for. Convergent has not validated this debt. Convergent is acting in a misleading manner and is in violation of the FDCPA..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry on my credit report that I did not authorize. This inquiry is fraudulent and was never made by me. I have reviewed my records thoroughly, and there is no reason or authorization on my part for this inquiry to have been initiated. It is clear that this activity does not reflect my actions, and I am concerned about the security of my personal information.