23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2023 my insurance was renewed I paid the policy. However M & T XXXX  bank continue to escrow my insurance. They even put lender placed insurance. And refuse to make the adjustment in my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries and accounts. Block and remove them.
Product: Debt collection

LVNV Funding I am writing in response to your recent communication regarding the alleged debt referenced above. Please consider this letter a formal request for validation of the debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I am requesting that you provide the following information : The name of the original creditor. 
The amount of the debt you claim I owe. 
A detailed account statement or other documentation supporting this debt. 
Any judgment details, if applicable. 
Proof that you have the legal right to collect this debt on behalf of the original creditor. 
A copy of the original signed agreement or contract that created this debt. 
Until you provide the requested validation, I do not believe I am legally obligated to pay this debt. Furthermore, I ask that you cease all collection activities until you have provided proper validation. 

Please send the requested information to my address at the top of this letter. I would appreciate a response within 30 days as required by the FDCPA. If you can not provide the requested documentation, I ask that you remove any reference to this debt from my credit reports. 

Thank you for your prompt attention to this matter. 

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

I am deeply frustrated to see unauthorized inquiries suddenly appear on my credit report today, with no explanation. Ive done my regular check, only to find discrepancies that I wasnt expecting. Refreshing my browser didnt help, and the inquiries stayed. Im asking that the documents Ive provided be
Product: Checking or savings account

I called the bank repeated on X/XX/2017, after receiving their notification. I was told that I would receive a call back from executive relations, but did not receive that call. I did speak to a reputed supervisor, XXXX XXXX XXXX, who was both rude and unhelpful.
The account is under my name, acct XXXX XXXX.
PNC debited my account for {$35000.00}, corresponding to two checks deposited via an ATM. These checks were issued when a mutual fund ( XXXX XXXX XXXX XXXX ) closed, and I was the owner of record on two accounts. The first check was for {$14000.00}, and was issued payable to me and XXXX XXXX, my wife, as XXXX. The scribbled explanation for the debit was a checkmark next to " Payee not on account '' ( I certainly am ), and " not a trust acct '' scrawled in below that.
The 2nd check was {$21000.00} payable to " XXXX XXXX XXXX '' for my son XXXX XXXX  XXXX. The checkmark here is next to " Other '' and the scrawled comment says " not custodial account. '' In fact, the mutual fund was a custodial account, and the check is payable to me.
I would like the checks returned immediately, and would like to close my account with PNC and be issued a check for the remaining balanace, since PNC appears to be unable to accurately and politely execute standard banking practices.
Copies of these sloppy items can be provided as needed, if copies were not retained by PNC.
Product: Mortgage

On XX/XX/2018 we received a letter from Wells Fargo home Mortgage that effective XX/XX/2018 they will no longer be accepting our mortgage payment that our loan has been transfered to XXXX XXXX XXXX and that I should received a letter from then with the new account numbers. I called XXXX on XX/XX/2018 and asked them where my paper work was they said letters have not gone out as yet, I called Wells Fargo on XX/XX/XXXX because I received a statement from them for my XX/XX/XXXX mortgage, they told me that they can no longer accept my payments and payments should go to XXXX I told them that I have to account numbers to write on the check and they said that I should call them. I have no information on my new loan servicer and I do not want to mail a check without an account number written on it as they will not know where to post the payment.
Product: Credit card or prepaid card

An American Express account was opened in my name without my permission or consent
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$8600.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXX Balance {$8600.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Product: Credit card

I opened a Target credit card while I was an employee. I left the state of Alabama to Minnesota for work. When I made payments, the payments were withheld until after the due date so a late fee was incurred in the account. There was always a late fee owed even when it was paid on time.
Product: Debt collection

I received a series of calls starting at XXXX and another at XXXX XXXX and then again at XXXX XXXX, on XX/XX/XXXX. A man named XXXX XXXX, with CRS and Associates claimed to have filed a bounced check claim from XX/XX/XXXX in the amount of {$710.00} with my county sheriff 's department. He called my wife, my sister, and also my place of employment and threatened to contact my immediate supervisor. I told him that I did not want him contacting anyone but me in regards to personal matters, and he dismissed that by saying it was his right to try anything necessary to collect the debt. He offered to settle this " out of court '' and I told him I was not interested in committing to anything until I had the necessary info on the debt. He more or less stated that he would see me in court. 

My place of employment is small, and I am a senior manager. Calls like this can affect my position within the company specifically as it pertains to handling financial decisions, which is part of my responsibility.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and realized there were Fraudulent activities & accounts on my report. I am a victim of Identity theft. I have since disputed these accounts & had them removed. Experian specifically had me priority mail documents in support of this, but never updated a secret company establish 2008 called " Clarity '' of what to remove off my consumer report ( which is the same thing because it affects me being approved for credit or not ) that i was recently informed of from XXXX XXXX XXXX XXXXXXXX. The conniving intentions of Experian / clarity  have hindered my way of life and is unlawful according to 15 usc 1681i5 & 15 usc 1681i7. I Demand these Errors be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

this XXXX energy account XXXX is reporting on my credit file as oweing debt in the amount of {$1500.00}. 

i previously disputed this account for fraudulent activity, this debt does not belong to me i have not signed any contracts with XXXX XXXX inorder to accure this debt. 

when i previosuly disputed this account i have not gotten any proof or validaton that this debt belongs to me .i have not been provided any documents or anything validating that i opended this account, i did not authorize txu energy to furnish this account in my name to start accuring charges that are now delinquint.

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.

b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to this company several times via phone mail and fax advising them they are breaking the law by reporting my private personal information to the public without my consent or knowledge. According to 15 U.S. Code 1681b they have no right to report my information without permissable purpose. I never gave any written consent to report this information.
Product: Debt collection

I wrote to both of these companies on XX/XX/XXXX via certified letters. I wrote Celtic disputing the original debt and informed Spring Oaks Capital that the debt was illegally purchased.

RE : Spring Oaks Capital : {$380.00} RE : XXXX Bank - Indigo XXXX : {$380.00} It is in XXXXXXXX XXXX  Terms and Conditions to not share my information which they have done. In addition, they have not provided me equal consideration considering how money is created. I can share my original letter to both of them which was notarized and certified. XXXX XXXX responded by sending me many bills of exchange via mail without them being USPS registered or certified by law XX/XX/year>. 

It is such a small amount of money that I shouldn't need to take them all to arbitration but I will if this can not be resolved.
Product: Checking or savings account

I was charged a monthly charge by a company I don't know or had not done business with. The charge started back in XX/XX/XXXX and it went on for about 4 to 5 months ( {$170.00} ). I contacted this merchant and they could not find me in their database even though I provided name, address, my Bank of America account number ( s ). They suggested I contact  Bank of America. BofA accepted my claim and provided a temporary credit while they investigated. More than several weeks ( about more than 2 months ) without hearing back from BofA and thinking that they had made the credit permanent, they ended up sending me a notice saying that these transactions were approved and authorized by me and no further explanation and not even identifying the name of the merchant. In other words, no basic explanation of any kind was provided in BofA 's letter. I can tell you with certainty that I am 100 % positive BofA or the merchant have no evidence that these transactions were approved. 
My acct # is XXXX XXXX. Claim number is XXXX. I am complaining for two reasons, BofA inability to conduct a valid investigation or proof that I approved these charges and two the length of time it took them to resolve which I suspect is beyond what's allowed by regulatory requirements.
Product: Mortgage

I was out of work in from XX/XX/XXXX until XX/XX/XXXX. I reached out to Carrington Mortgage ( the mortgage servicer ) to notify them of my circumstances. The representative told me that I should apply for loss mitigation. I submitted my documents, and I was told that they wouldn't report negatively on my credit report. After approval I made payments as agreed.
Product: Credit reporting or other personal consumer reports

I submitted an application for a business line of credit with Wells Fargo. However, the approval process was temporarily suspended due to the presence of an outstanding judgment dated XX/XX/XXXX. It is essential to note that my business was officially incorporated on XX/XX/XXXX, and subsequently granted an Employer Identification Number ( EIN ) on XX/XX/XXXX. Wells Fargo has been duly furnished with the aforementioned documentary evidence. 

Regrettably, despite the incontrovertible evidence presented, Wells Fargo has expressed reluctance in acknowledging the evident reporting inaccuracy. I have communicated to Wells Fargo the implausibility of a five-year charge on my business account, given the company 's recent establishment, spanning only a few months. 

In response, Wells Fargo advised me to initiate contact with XXXX XXXX XXXX XXXX, the credit reporting agency involved. However, my interactions with XXXX have been marked by a notable reluctance to provide meaningful assistance. Rather than effectively addressing the underlying issue, I have been subjected to a protracted and fragmented procedure, deviating from the expeditious resolution of the matter at hand. 

In light of the aforementioned circumstances, I wish to express my serious concerns regarding the handling of this matter by both Wells Fargo and XXXX XXXX XXXX XXXX. I seek a prompt and equitable resolution to rectify this credit reporting inaccuracy, which has adverse implications for my business.
Product: Checking or savings account

XXXX XXXX XXXX made a fraudulent debit charge to my account on XX/XX/2020. They did not process the online order because they immediately reported that the order was cancelled and never processed. XXXX XXXX XXXX   acknowledged that they never processed the order. But they immediately charged my Suntrust account for the amount of the order. The charge showed up as a pending charge in my Suntrust checking account as a debit at XXXX on XXXX. Multiple phone calls to XXXX XXXX XXXX over the next 5 days and they could not even verify that they charged my account and XXXX and supervisor XXXX admitted that they did not know if or when the pending charge would fall off of my account but told me to call back on XXXX. Contacted Suntrust because XXXX & XXXX didnt know when or if the error would ever be corrected, and I was left in limbo because if the charge cant be found at XXXX XXXX XXXX, they cant correct it and suntrust will leave the charge pending on my account. Suntrust said that the charge was debited from my account and then debited that same day, XXXX. They know the charge was in error, but would not release the pending funds back to my account. Holding the funds for indefinite period so that they collect interest on the funds. They do this illegally on millions of accounts, fraudulently
Product: Payday loan, title loan, personal loan, or advance loan

I believe I am a victim of fraud. In may I received an email from a law firm stating I owed {$5700.00} .if I didnt make a payment I would have a warrant out for my arrest and XXXX charges against me. I did take out the loan however it was 8 years ago. I started making payments of {$550.00} bi weekly during this time I started receiving emails from multiple different lawyers for the same loan company with different. I havent made a payment since XX/XX/year>. After a bit of research I found out that after a certain time it goes to my credit report and the company can not try to collect nor can they press criminal charges because its a civil matter. Ive tried to reach out to the debtor and they are not answering the phone Ive paid XXXX a total of XXXX The law firms emailing me are XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX then XXXX XXXX XXXX XXXX XXXX part of XXXX entered into a fraudulent mortgage scheme with XXXX and XXXX XXXX to defraud me of {$2.00} XXXX and my home. 
He bought 30 % of XXXX XXXX in XX/XX/XXXX. XXXX XXXX made {$60.00} XXXX on this and other fraudulent mortgages. XXXX made an agreement with the NY AG and the DOJ to pay retribution on these fraudulent mortgages XX/XX/XXXX but I have not received XXXX cent even though my mortgage is on the list. 

How he did this is explained in the book 'How they got away with it. XXXX XXXX XXXX and the financial meltdown ' by XXXXXXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you with great urgency and frustration regarding the presence of fraudulent items on my credit report. I have recently discovered these inaccuracies, and I insist on their swift removal to safeguard my financial integrity. 

The fraudulent items on my credit report are causing considerable damage to my financial life. They have unjustly lowered my credit score and have hampered my access to loans, credit cards, and other financial services. This situation is not only unfair but also jeopardizes my financial well-being. 

I demand the following actions to be taken promptly : A thorough and expeditious investigation of the fraudulent items in question. 
Immediate removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the corrections made to my credit report. 
I expect this matter to be resolved without delay. It is my right as a consumer to have an accurate and just representation of my credit history. Failure to rectify this situation promptly may compel me to take legal action to protect my rights. 

Enclosed with this letter, you will find evidence supporting my claim and facilitating the investigation. Please acknowledge the receipt of this complaint within 15 days and provide information on the steps being taken to resolve this matter. I am asking for your immediate assistance to remove the following fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IM HAVING A HARD TIME WITH THESE FRAUDULENT INQUIRIES
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$8500.00} XXXX # XXXX XX/XX/XXXX -- {$1900.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$1800.00}
Product: Mortgage

My husband had a reduction of pay due to COVID by the State of CA and the pay cuts are still being decided upon. 

We decided to refinance the house in my name only because of his issues with Student Loan. 
The original loan for the house is with NFCU and is with XXXX XXXX in my husband 's name only. 
We explained this to NFCU when we were obtaining our loan. 

NFCU then refused to honor the 2.5 % after they neglected the loan that would have been part of the CARES ACT, we would have refinanced the loan in my name doe eliminate the student loan issues of forebarence. 

Therefore NFCU needs to honor the 2.5 % by either adjusting my husband 's loan to 2.5 % or putting the loan in my name at 2.5 %.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I used the application from CHASE to purchase a dog, XXXX is offered by CHASE bank to transfer money. I used because is offered by my own bank and transferred money to another CHASE account holder which resulted to be a scammer. I send {$1000.00} XXXX in exchange for a dog, but did not received any goods in exchange
Product: Mortgage

I have applied for a loan modification and because I now make enough money they do not want to approve/or review me for a loan modification again. I was told by a HUD credit counselor and other government agencies that since I experienced such great hardship I was able to qualify for a loan modification. Why am I now being penalized now because I now have my full income and not on sate furlough. This is n't fair and I am asking for a fresh start to begin my payments again. Is there anything you can do.
Product: Credit reporting or other personal consumer reports

The dollar amount that equifax is reporting they received from the sale of the car at auction. 

Rule 609- under 1041 any payments including payments from a third party can be verified. I want the actual receipt signed from the auctioneer for when this car was allegedly sold at auction. 

The amount received has changed even after the creditor verified as accurate. 

I also have the XXXX report for this car. This car has never been sold at auction. And in addition to this the title holder before XXXX from when I had the vehicle financed was another XXXX. So therefore it was not commercially sold. Also, I was never notified of this auction as according to Illinois law. 

XXXX XXXX account is now stating XXXX XXXX and XXXX XXXX XXXX XXXX is XX/XX/XXXX which give the appearance of this loan being reinstated. I never received my car back even through I was not in default. I want to see my signature on loan papers for XXXX XXXX or this account will need to be deleted. The account I signed for and am disputing is XXXX XXXX XXXX where I had 14 months of payments. 14 months of balance history. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX is XX/XX/XXXX but should have been XX/XX/XXXX, not a month after my car was wrongfully repossed which Equifax did state but cant update since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I didn't authorize