23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : I have contacted Experian on XXXX different times and they have not responded once. Dates i contacted them 1.XX/XX/XXXX2016 no response, 2XX/XX/XXXX2016 no response, 3. XXXX/XXXX/2016 no response, 4.XX/XX/XXXX/2016 no response, 5. XXXX/XXXX/2016 no response 1. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX 2. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Please provide me the name and address of the medical provider the date and type of service along with information detailing to whom the service was provided as any account I might have had would be obsolete. 
XXXX I Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. The status is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 
5. The infomation is incorrect for the following account XXXX SALES LEASE OW Account Number : XXXX Please remove it from my credit report. 

6. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

7. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

8. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

11. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
12. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

13. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

14. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

15. Please provide me the name and address of the medical provider the date and type of service along with information detailing to whom the service was provided as any account I might have had would be obsolete. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

16. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Bank account or service

my bank the BECU decided to take my SSA treasury state check well it was n't a check it was wired funds external wired funds and I 'm mentally XXXX I go to compass health in Washington XXXX XXXX XXXX. I had a bank representative from this number and is on a recorded line because they record their phone conversations XXXX And they have a recorded phone call me talking to a representative from Boeing becu representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check funds from me. The representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check but the BECU bank in XXXX wa still proceeded to take the funds from my checking account from the ssa treasury and XXXX. so the bank BECU Boeing In XXXX wa took it from me illegally I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and do a claim to proceed to get my funds back that they took I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and doing the file when they should n't have considering someone from the banking of us bank from the number XXXX told me and guaranteed me on a recorded line phone conversation guaranteeing me and telling me that they the bank in XXXX Washington BECU Boeing that they can not touch that or take that funds for me out of my checking
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have pulled a copy of my credit report and found that there are fraudulent accounts and addresses that I have never lived at. I have asked the credit reporting agency to remove the addresses that I have never lived at and they refused to do so stating that the fraud accounts are at that address. But if the accounts are fraud and not tied to my correct address, they should remove the fraudulent accounts and the fraud addresses. My correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The address listed below I have never lived at, and they must be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Well for years my credit report has been wrong frad and I've tried to fix it myself now my credit has been compromised from Equifax it's wrong to have my credit destroyed for years no one there to help me fix or repair my credit report I've filed with them disputing the credit report to no avail or they just do not care how it had effected my credit
Product: Checking or savings account

XXXX had to close accounts because overdraft reached {$XXXX} plus paid over {$XXXX} in fees overdraft I did not sign up for.
Product: Mortgage

I am a victim of Predatory lending. I was given a pick-a-payment loan in 2006 and Wells Fargo said that they could only help me modify if the loan was in default and advised me to stop making payments and then they would modify the loan. They said they were participating in the Help for Homeowners program. They also said because of my age and the fact that I was an unmarried single woman that women are considered a high risk. I eventually went into foreclosure because they would not work with me and now I am in Bankruptcy court. We filed a modification and had XXXX meditations. In the first mediation on their Good Faith estimate they using to try to show I did n't qualify, they had a XXXX forced place home owners insurance on the document and also the wrong amount for my salary. They told me and my attorney to submit proof of new insurance and more pay-stubs which they already had. I sent them my new Homeowners policy for XXXX and more pay-stubs the next day. In the next mediation they said they would need a letter of explanation regarding my bonuses I receive from my job and I submitted that the same day. In both mediation they said once we produce the documents and letters that my figures were good and I would have no problems qualifying and getting approved. Then we got a denial. So now we are starting the process all over again. Houses ' are going up in my area and I believe they are using stalling tactics, so they can get more money or try and kick me out. They are refusing to work with me even though I qualify. I also have requested all documentation such as the Appraisal of the property and the original Good Faith Estimate with their fraudulent figures in it. And any and all documentation they used to prove to me why they denied me. They have yet to produce any of their documentation.
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. Experian 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 correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been a dedicated employee to the XXXX XXXX   field for 27 years. Throughout, this pandemic I have been a frontline worker who workers with XXXX  with XXXX XXXX. During this pandemic, you have become apart of the family some days when I came home you were the strength that got through many difficult times. So, I am writing to you for your guidance in a shocking situation that I was faced yesterday. 
Currently, as you are aware XXXX announced that Day Programs would be reopening and during my conference call on XX/XX/XXXX, with my co-workers I received an email from my employers ' Payroll Department stating that as a courtesy they were emailing me that there has been a garnishment placed on my paychecks that would go into effect on XX/XX/XXXX. I think you can imagine, how I felt what was going on. I immediately. found myself unable to breathe all I could do is cry at that moment and I am crying just writing this email. Due to shock, I am in that garnishment are being allowed, during this pandemic. It stunned me. I contacted my employers ' payroll department and was told to call the following number XXXX and give them the last four numbers of your social security number. I was shocked at the presentation from my agency 's payroll department given what frontline employers have been doing for the past five months, while certain departments were able to work remotely. That is another story as far as sensitivity that agency workers from other departments have for the agency 's frontline workers. So, I contacted the number that was given to me by my payroll department and I asked the receptionist what was the garnishment of a paycheck for. I have not been provided with any documents or notices. The receptionist yelled at me you were served paper, I responded not, during the pandemic and when I tried to ask questions she yelled at me and hang up the phone. I immediately broke down and cried all I could think about is how will I be able to support my household of XXXX XXXX and my husband lost his job, due to COVID19. I have no answers as my agency 's payroll  department approach was just, so unapproachable given the fact this is a pandemic that has affected everyone finically they could have assisted me given what I was being informed. I know they are doing their job, but it could have been done with empathy or guidance. I have no idea who is garnishing paycheck and I really can not afford to have money taken out of paycheck at this time. I have no one to turn to as my agency is not approachable given how I was informed. What makes it worst I then received a call from my employers ' Human Resource Department where they stated that my garnishment has caused extra work for the payroll department and given the cutbacks in the field that has to be made that this is a hardship on the agency. I was stunned at this comment, given what I have been doing for the agency and I have no idea who is garnishing my check. I woke this morning and after contacting the XXXX County Clerk I realized that the garnishment was from Midland funding on an income execution that I was in court on XX/XX/XXXX. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AD Astra Recovery is claiming I owe {$670.00} and XXXX XXXX claiming {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Product: Credit reporting or other personal consumer reports

I submitted XXXX previous complaints stating that the payment history on this account ( XXXX XXXX : XXXX ) was illegally being reported inaccurately. The information came back as verified, however the inaccurate late payments remain on my credit report. I attached the results of the investigation done by XXXX, who correctly confirmed that the account was in-fact paid on time and never late. This company is violating my rights by continuing to report these late payments and credit reporting agencies have been sued in the past for reporting inaccurate information. See below for the court lawsuits : XXXXXXXX XXXX  Transunion LLC, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Please immediately correct all late payments and update this account to PAID ON TIME/NEVER LATE, or I will be forced to take legal action. Thank you
Product: Credit reporting or other personal consumer reports

Please remove these identity theft inquiries : All XXXX accounts for dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding unauthorized transactions on my account. I am deeply concerned about the lack of resolution and the unjust withdrawal of funds from my account, despite my efforts to communicate the unauthorized nature of these transactions. 
Account Details : Account Holder 's Name : XXXX XXXX XXXX Account Number : XXXX I discovered unauthorized transactions on my account on XX/XX/ and promptly contacted Bank of America to report the issue. Bank of America filed a claim with no : XXXX. They issued credit for few transactions on the same day and they reversed the credit within 2 days. Upon enquiring they mentioned I withdrew the claim, but I never did that. When I questioned one of the executive, he mentioned that they ( Bank of America ) withdrew that claim and reversed the credit. Subsequently, I filed a written complaint and sent a letter via fax ( copy attached ) on XX/XX/, clearly stating that I did not authorize these transactions and have no knowledge of the merchants involved. 
Despite my efforts to dispute these charges, Bank of America reopened the claim and credited my account for the some of the unauthorized transactions but later reversed the credit again, claiming that I had authorized the transactions. This is both distressing and unacceptable as I have no affiliation with the merchants in question and did not provide any authorization for the charges. 
I have attached copies of the relevant documentation, including the letter and fax I sent to Bank of America, as well as any correspondence received from the bank. Additionally, I have enclosed copies of my bank statements highlighting the unauthorized transactions.
Product: Mortgage

I have filed complaints previously, the Attorney Generals ' office suggested I file with your company since they are unable to resolve. This company does not apply extra payments to principal, notes my next payment is not due until XX/XX/2024, yet charges me late fees. There have been MANY late fees although I have no payment due! The additional payments are CLEARLY outlined to be applied to the principle. I have documentation of checks indicating " apply to principal '' I have downloaded statements from their website, I have screenshots of their information indicating the next payment isn't due until 2024. I have contacted them MANY times and no one can seem to answer why I get late fees, why the additional payments are not applied to the principal, and even after calling they are not corrected to apply to the principal. Additionally, there is a " prepayment penalty amount '' listed on my mortgage statements. When I obtained this mortgage I SPECIFICALLY shopped and obtained a mortgage that does NOT have prepayment penalties as I intended to pay it off early. It has been literally YEARS of trying to resolve these issues. But now I have documentation.
Product: Credit card or prepaid card

on the XXXX of XXXX my wallet was stolen from a gym locker at the XXXX XXXX in XXXX, XXXX. In my wallet was my providers debit XXXX  that i recieve my XXXX  XXXX  on.. i notified staff immediatly at the gym as well as the provider debit card people, seeing it was after hours and there is no 24  hr hotline i had to wait till the next day to report it which i did, but i was too late XXXX unauthorized transactions were made with a total of almost XXXX XXXX dollars see attachment.. seeing these transactions were unauthorized iam entitled to credit according to the zero liability rule that provider bank uses. the complaint number for these charges is XXXX. provider bank did not even investigate this matter and were quick to make a decision that makes no sense to me and is a insult.. they concluded that i made these transactions and that i must have gave out my pin, these accusations are totally false and i requested a explanation on how they came about this decision.. i have not recieved any explanation and i want this reviewed by a neutral person.. ive put in a police report and iv filed a report with the XXXX, i dont know what else i can do.. they are totally wrong on there determination it doesnt make sense. iam getting nowhere with these people.. they are a fraud and i want a neutral review and credit thats due to me. i originally filed a complaint but was told to file another because your people cant locate the bank the complaint number is XXXX please regard the notes cand attachments i applied to that complaint they are correct so please use them for reference. the zero liabilty rule applies to my situation. providercard is done by propel finance which is a part of XXXX XXXX. all my files were downloaded to my original complaint XXXX please refer to them
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my husband filed bankruptcy on a vehicle HE owned. It has been reported as XXXX on his report but shows I owe them {$3800.00}. I was never on loan. After that was discharged, magically they added the debt to my credit report as owing about {$3800.00}. They then hired a collection attorney in XXXX to sue me. In which I responded with all ORIGINAL ink signed paperwork-none showing my name. XXXX hit and it got delayed. XXXX comes around they re-open the court case. I dispute again. This time actually getting a hearing and it being fully dismissed with predjudice. The company sent a letter XX/XX/XXXX, stating no $ is owed, however, for the last 5 years this has negatively impacted my credit. I have disputed it multiple times via the credit bureaus and by sending them letters. I want this FINALLY deleted from my credit in full, and the business should be fined along with the credit reporting bureaus. Despite a recent dispute they are continuing to leave the information on my report, even with the proof of debt I have provided.
Product: Debt collection

To whom it may concern : I'm writing in to state that the XXXX XXXX XXXX XXXX I was never authorize my signature to sign I was in a XXXX XXXX XXXX marriage.I have tried to contact the Apt . but their Management Personnel has change and they could not give me any info. can you please help me with this. 
I never gave authorization to have this XXXX bill I was divorced and I had to leave with a XXXX situation the apartments knew exactly what was going on can you please have them check and resolve this for me. 
I've been writing in for years pleading with them and they Under New Management so they have no record of what's going on this should not be on my credit can someone please help me and resolve this thank you. 

Here Is My Ex Husband Info that i have XXXX XXXX his name was on the lease. 

Please my information disclosed my information of my whereabouts to my ex-husband I was in a XXXX XXXX XXXX relationship and I'm XXXX XXXX XXXX XXXX I just don't want nothing tied with this man at all but I will give you the information to try to track him down so you guys can get what you need from him but please do not include my information or disclose any information where I live to this person. 

You Can Contact me At : XXXX XXXX  XXXX XXXX
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX  XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation.