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

I am writing to formally request the immediate removal of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been used without my consent to open or attempt to access these accounts. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to block and delete these fraudulent items. 
Fraudulent Accounts to Block and Delete XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$2600.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$2400.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$2100.00} XXXX. XXXX - Account Number : XXXX - Date : XXXX - Amount : {$0.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX - Date : XXXX XXXX. XXXX XXXX - Date : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX - Date : XXXX XXXX. XXXX XXXX XXXX - Date : XXXX XXXX. XXXX - Date : XXXX XXXX. XXXX XXXX - Date : XXXX XXXX. XXXX - Date : XXXX XXXX. XXXX XXXX XXXX - Date : XXXX XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX - XXXX : XXXX XXXX. XXXX XXXX, XXXX XXXX - Date : XXXX
Product: Mortgage

Have made mortgage payments on time for years, never late on any payments, and today my mortgage officer at the bank was very unprofessional and insulting and said my credit reports are terrible and I owe {$60000.00} in debt and have XXXX credit cards! We do n't have anywhere near that! I told him we are quitting his bank. Very rude. This is the second time I have had a bad experience with this bank.
Product: Money transfer, virtual currency, or money service

Have been using paypal as a online bank to sell on XXXX and other online marketplaces for years and never really had a problem besides going through a legal verification process which i supported and provided personal documents and invoices of current inventory. Now on XX/XX/20 I woke up to a email from paypal saying my account was " permanently limited '' due to a policy violation + my money would be on hold for 180 days and they would email me after the 6 months is up about how to withdrawal the funds. 
Called them up right away and spoke to XXXX from the limitations department who would've been able to release my funds..they wont describe further details on the policy i violated and she didn't understand either why it was placed on the account..unfortunately she was only able to tell me that i can file a subpoena to have a review on the case but never said how to do so. Anyway I have {$3600.00} on this account that I need desperately in times like this. I have a XXXX XXXX XXXX daughter who depends on me and If i cant get those funds fast enough i am going to be in deep trouble. Please help.
Product: Credit reporting or other personal consumer reports

The XXXXXXXX XXXX business card belongs to XXXX XXXX XXXX XXXX XXXX. Yes i am XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  our law clearly states a company card if belongs to LLc is for a company. The company close and shut down and went to financial loss. Company is trying to negotiate and pay off the card. Its charged off and now its showing in my personal credit report. Why. I reported so many times and disputed. I want the strike to be removed from my credit report. Its not right to strike a persons personal credit for a business owned credit card. I have attached the proof of the strike in my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to get credit
Product: Debt collection

I have been paying my debt with XXXX XXXX XXXX XXXX consistently and going by my calculation I have paid more than {$5000.00}. However, whenever I call XXXX XXXX XXXX XXXX to give me the breakdown of what Im paying off they refuse to do that. I would like to know what Im paying off such as attorney fees court fees, and how much is paid toward the balance. 
I believe Im being charged frivolous charges thus why the company refuses to give me the breakdown of the balance. I have contacted the company for many months and they keep telling me that they can only send me the total balance without the breakdown. 
Attached I the letter they have send to me every time have called but it doesnt help me without knowing the breakdown for fees and changes they are charging me. Please help me regarding this matter.
Product: Debt collection

Hey In accordance with IRS XXXX no. XXXX this following company are providing an inaccurate information in my credit report. 
Because they showed this account as XXXX XXXX in my credit report, and wrote them off in their taxes as a profit loss but I never received a XXXX Form from this company which confirmed the charge off in this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like you to review this information and please help me to get a XXXX form from each of these companies. 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud alert placed on my Equifax credit file that indicates anyone who runs my credit needs to call me for permission. That was not done, and that violates my rights as a consumer and I'm now left with several credit inquiries that I did not authorize. I've reached out to Equifax several times to advise them of my credit file being pulled without my permission.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FUTHER STALL TACTICS FROM EQUIFAX. 

I have attached a copy of my ftc report.
Product: Mortgage

I have written about this before but it is so important that it must be mentioned again. Specialized Loan Servicing/S is representing XXXX XXXX XXXXXXXX XXXX  XXXX XXXX They are trying to force me to pay almost {$25000.00} for a 2nd loan balance of {$10000.00}. First I want to discuss the validity of their claim to the loan. S/XXXX said they aquired the loan from XXXX in XXXX, MI in XX/XX/XXXX but this can not be correct. I was paying XXXX XXXX XXXX XXXX XXXX, TX both before and after XX/XX/XXXX. SXXXX started sending me statements after XXXX XXXX  went out of business in XXXX. Why is that? Could it be that they were taking unfair advantage of the situation. SXXXX  filed a lien against my family home in XXXX. If they really owned the note, why did they wait so long ( after not receiving a single payment ) to put a lien against the house? I think they were making sure " the coast was clear. '' In regards to the {$10000.00}, my transaction history shows the balance was modified into the 1st loan. SXXXX has stated that the amount that was modifed was fo {$4200.00} interest, {$3400.00} escrow and {$2200.00} in fees but that is not true. There's not even a fee for XXXX, and the {$3400.00} is not a ( - ) like the {$4200.00}. Futhermore, my transation history proves what I am saying is correct. The 2nd loan was modified into the 1st loan : {$10000.00} Principal Paid XX/XX/XXXX and {$710.00} Escrow Paid XX/XX/XXXX ( {$10000.00} total ). 

I am sharing this information to try and help myself and others. 
These companies should not be allowed to get away with treating people like this.
Product: Debt collection

This is not my collection my identity has been stolen from me and has ruin my life! I need help and solutions.
Product: Student loan

I have attached some of the notes and I am waiting on the illegal documents filed. They stated I moved and didn't advice. The fact is I was homeless because of the Dept of Education and loan servicing companies FAILED me and I had XXXX XXXX. Surviving on the XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Product: Debt collection

On XXXX Called the collection agency regarding a the validation letter I sent certified. The manager informed that the letter was received and that they are waiting for progressive to provide the proof of debt and documents. 

List of documents I requested : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I received a bill that did not include the information requested. Based on the FDCPA, I have the right to receive the information requested. 

On XXXX called the company to request updates on the request. Spoke to " XXXX XXXX '' Assistant Vice President who told me that I do not have the right to ask for the information and that the company does not have the obligation to provide the information requested.
Product: Vehicle loan or lease

I let credit acceptance repossess my vehicle for the settlement with no more payments and they are still sending me bills saying I need to pay the ending balance
Product: Mortgage

In XXXX I purchased a home in XXXX, CA. I took out a 30 year interest only loan. In addition, I was told I needed to take out a adjustable HELOC for my downpayment. XXXX year later the housing market collapsed. My wife and I had extreme financial hardships. I am XXXX XXXX with XXXX, and my wife had lost her job. We spent years applying for home loan modifications that never seem to get anywhere. In the mean time we stopped paying the HELOC because the payment became to high and our home was very underwater. I was forced to file chapter XXXX bankruptcy as XXXX XXXX XXXX raised my payment while granting me a terrible loan modification. The terms were awful. My wife and I could not afford to relocate as I was no longer working. It was not until I found this website that I finally made a complaint about what I had been through with XXXX XXXX XXXX. With the help of your organization we were finally offered an affordable loan modification. We have been paying our loan mod since aprox - XX/XX/XXXX/XX/XX/XXXX. 

I am writing you because I received a letter from XXXX XXXX about some loan I may or may not have with them. The HELOC loan was originally with XXXX XXXX XXXX but we stopped payments back in XX/XX/XXXX or XX/XX/XXXX because the house was upside down. and XXXX XXXX XXXX sold it so many times we could not keep track of it. I currently do not have any financial information on this debt. The last letter I have regarding a HELOC is from XXXX XXXX XXXX saying it was being sold to SLS Lending dated XXXX. Even then, XXXX XXXX did not have the amount of the debt nor any history of payments, etc. This letter was dated way back XXXX/XXXX/XXXX. That is a long time ago and I have no way of knowing what my payment history was, fees incurred, who has the original title, transfer or sale dates of the loan., etc. So I have not heard anything about this since XX/XX/XXXX. Today, XXXX/XXXX/XXXX I received a letter from SLS. Something about RESPA and QRW and possible enforcement of the lien. But there is no other information on there. I thought HELOCs did not have RESPA rights to information so I do not understand what this letter is for. I can not afford to make anymore payments as I am XXXX and my wife can only work part time. That is why I received a loan modification for my home on a financial hardship term. I do not have the means or resources to leave my home based on a HELOC that may or may not be valid. We still owe a very large amount of this debt vs. the worth of the home. I will be forced to file Chapter XXXX for protection.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Payday loan, title loan, or personal loan

I applied for an installment loan with this company, after completing my application I was asked for additional information and directed to the site for perform or upload that information. 

The additional information needed was a copy of a government ID such as my DL which I tried to upload. 

After several attempts I was not able to upload the requested document as their site was continuously in error and could not or would not accept the upload. So, after many attempts I was of course denied for the reason : unable to verify my identity. 

I called the company and explained that I was unable to upload the requested document and was told since I could not upload the document I was denied. 

My issue with this is that, due to no fault of my own I was denied credit with this company because they could not accept or their system failed to accept a valid DL, I take issue with this since it was not due to a low credit score of any other type of issue that would not have prevented me from being approved. 

While this may or may not be bad business practice with this company to any laws being broken with the FTC, I think they could have given a customer another way of uploading requested documents to satisfy their request. 

I think it's unfair to the consumer to be denied them simply because their system fail to responsed properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please REMOVE any and all fruad alerts, freezes, and remarks from my credit file immediately.
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 3 credit bureaus 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. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.
Product: Checking or savings account

I opened a checking account with Bank of the West in XXXX, California on XX/XX/2020 with the {$250.00} new account bonus promotion. The banker and the branch manager confirmed I would be eligible for the new account bonus and I went ahead to open an account with them. I have then met all requirements per terms and conditions. However, the bonus was never posted to my account. I reached out to the banker but was told I was never eligible for the promotion.
Product: Checking or savings account

XX/XX/2023 I noticed unauthorized transactions sent from my TD Bank account through XXXX to an unknown contact. I was in the process of sending money to my boyfriend and noticed that two unknown people were added to my XXXX account. I immediately froze my account and called my bank. The following day when the funds posted, my bank disputed the charges and reassured me that the funds would be back in my account within 10 business days. However, last week, on XX/XX/XXXX, I spoke to my bank and they had neglected to inform me through any other communication means that my disputed was not approved. I had them refile the dispute, which they did, but then was told that there was little confidence it would be approved this time because XXXX is like losing a wallet. I lost over {$700.00}. It started as a {$1.00} charge, then a {$320.00} charge, and then another {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Debt collection

I received a phone call yesterday XX/XX/18 from XXXX. I do not answer calls from XXXX numbers so I sent the call to voicemail. After reviewing the message it was from XXXX XXXX XXXX telling me they are attempting to collect a debt. XXXX XXXX was calling and left a reference number of XXXX. I immediately returned the call to find out what this was in reference to. I was told they were collecting a debt from the IRS, I told them I did not have any reason for debt collector I signed a agreement with the IRS for payments to be withdrawn from my account monthly. After this I was told the debt was not mine and they were looking for XXXX XXXX. She is my daughter who is XXXX years old. I do not get involved with my children 's matters. I do not give out there information ect ... After this disturbing call from this collection agency I went to the IRS website and learned that there are many factors in this collection agency collecting debt for the IRS and they violated all of them. I have printed out these rules which one was they can not divulge information of a debt owed by another person to me. Which they did. These companies need to follow the law when collecting debt and seem to have zero respect for the law.
Product: Credit reporting or other personal consumer reports

This alleged debt is invalid. The creditor/debt collector filed a lawsuit but dismissed it after failing to produce documentation validating the debt following a motion to dismiss. Please consider the attached letter as my formal dispute of this account under the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of supporting court filings documentation relevant to this matter. These accounts are negatively impacting my credit rating, and I am formally requesting verification of their validity and accuracy as detailed in the attached notice, pursuant to the FCRA, 15 U.S.C. 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX ACCT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SCETION 602 A STATES I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SCETION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

We are filing a complaint against prime choice funding Inc. because we did a refinance with through their company in XX/XX/XXXX, at the time of the refinancing we were told that we would did not have to make a payment for exactly 2 months. We did not get the two full months without payments. Also we were never asked did we want an escrow account in our refinance. If we had of been asked, we would have definitely said no. We were charged up front in the refinance for an amount of escrow for homeowners insurance for 9 months of {$100.00} for a total amount of {$940.00}. Then we were charged for property taxes of {$620.00} for 4 months for a total amount of {$2500.00}. All this is in the Closing cost details. We were also charged an additional monthly amount in an escrow account for both the homeowners insurance and property taxes in the amount of {$730.00}, starting XXXX. When this was very unnecessary. We never wanted an escrow impound account, we were never asked did we want it or not. It was just placed there for the companies to make money. We do not need any company whatsoever to pay our bills that we can pay ourselves without any interest added. Paying the company directly is fine with us because there is no interest attached. 
and paying our property taxes when they are due is fine. This company prime choice funding Inc. knew exactly what illegal things they were doing and why they were doing it. They lied to us and told us our loan would be through them. And then they transferred it to freedom mortgage to continue their fraud acts of collecting money in an escrow account for homeowners insurance and property taxes. We are also filing a complaint against that company also, who refuses to close this impounded escrow account when we have asked for it to be done in writing and the homeowners insurance is fully paid through XX/XX/XXXX. So we do not need to give the mortgage company another penny. They also have the more than enough in our escrow account to pay our property taxes due in XX/XX/XXXX. We have already informed that company to make that payment and refund whatever is left and close that account, because we do not need it or want it.