23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I had a house fire. I filed it with my insurance company and they cut checks to myself, my ex husband and the mortgage company. In XXXX of XXXX I sent the mortgage company a copy of my divorce decree and a quit claim deed my exhusband signed during our divorce, because the mortgage company said that was the only way they would be able to send me the insurance money in just my name. They approved that and on XXXX XXXX they issued the first check written out to just the XXXX and I for {$26000.00}. After many weeks of dealing with the mortgage company to schedule our final inspection when the house was fully repaired they finally came out and we passed the inspection. On XX/XX/XXXX I received the final draw of the insurance money except the check was made out to the contractors and my ex husband. That day I called and told them I am not able to get my ex husband to sign the check so I needed them to place a stop pay on this check and issue one with only the XXXX 's name and mine. They have my divorce decree and quit claim deed on file. They had to send the request in for an exception and have to review the documents that they have on file. This has been going on for over a month now and I have the XXXX hounding me for the last {$11000.00}. I am not sure why they could send a {$26000.00} check with my name instead of my ex husband but they refuse to do it with {$11000.00}. I need this money to finish paying the contractors and I am tired of calling the mortgage company daily to only hear the same thing, that the exception is still pending. They have had this money for close to a year now in their accounts building interest while I get constant calls from the contractors when I have no control over it. I need someone to finally step in and do something with this mortgage company!!!!!
Product: Credit card

On XXXX XXXX, 2015 I ordered XXXX diamond rings on XXXX XXXX XXXX # XXXX ) and decided to return them upon receipt ; I obtained a return authorization and XXXX supplied the pre-paid shipping label for the United Stated Postal Service. Next XXXX said the returned package was unsealed and open when they received it and the rings were removed from their individual ring boxes within the single return box. American Express worked with XXXX over the last year while the charge was in and out of dispute repeatedly. 

Last month XXXX suggested I file a claim with USPS and insisted tracking number XXXX was invalid. Again, I attempted to file a claim with the XXXX, but they said XXXX needs to file the claim since they paid for the shipping ; I do not understand why that would not be standard procedure when they receive an opened returned package with missing contents. XXXX did not entertain the USPS statement that the tracking number is correct and the returned package weighed XXXX pound on XXXX XXXX, 2015 when I gave the sealed box to the post-master for the return shipping ; the USPS does not accept unsealed packages for mailing, and XXXX said the package weighed XXXX pounds when they received it. I would greatly appreciate the USPS statement be supplied to XXXX, proving the rings were removed during the return shipping that they provided ; I have no other insurance and this is not eligible for the AMEX purchase protection. 

Thank you very much for your time and support!
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. 

I am putting you on notice that all Late payments being furnished on my consumer report is illegal. 

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior.

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a XXXX offense.
Product: Payday loan, title loan, or personal loan

In XXXX, I received a title loan from check into cash. I was behind on my payment. They repossessed my vehicle and I hadn't heard from the company sense then. I tried reaching out to see how I could get my car back without a response. Then in XXXX Till now my state tax refund is being taken for the registration for the vehicle. So I reached out to the company again to see what was going on and they said they had returned the car to me in XXXX, which was false. Then they said they would look into to where the car was and never responded after that, so I called again and they said it was auctioned off. I then asked for a copy of the account history, which they agreed too. It has been a week sense then and I still haven't received anything regarding the issues. I would like them to give me a copy of the file to see if they're actions were in accordance to the law.
Product: Credit reporting or other personal consumer reports

According to : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information Also, because I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume, that no proof of the alleged debt, nor any such debt in fact, therefore exists XXXX Experian and XXXX continue to report wrong and fraudulent items on my report and they will not remove these items ... XXXX has removed these items but not these 3 bureaus... 

Experian Bankruptcy XXXX 's {$1600.00} XXXX XXXX {$800.00} XXXX XXXX {$1000.00} Plus 1 inquiry from XXXX XXXX XXXX 's {$1600.00} XXXX XXXX {$800.00} Plus 10 inquiries over the last 3months and beyond
Product: Checking or savings account

On XX/XX/, I attempted to open a savings account with XXXX, also known as First National Bank of Omaha. Their auto check process denied my request, despite having multiple bank accounts elsewhere, excellent credit, etc. Three customer services agents on their chat application all gave me pre-canned responses about how they could not reveal their sources for the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer. They are hard inquires that were not done by me XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I mailed out a debt validation letter to Wakefield and Associates regarding a debt I don't recognize on my credit report. I've waited for nearly 2 months for them to respond and I have yet to hear back regarding the matter. I'm working on improving my credit at the moment and this trade line continues to hinder my progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting Act, this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 ( b ) section 604 ( A ) it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on credit card account under a open end consumer credit plan as of late for any reason. I Never give XXXX XXXX Equifax permission to Furnish ANYTHING on my consumeXXXX 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 been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX, 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: Debt collection

A relative forged my name on a mortgage document in XXXX when I was undergoing treatment for XXXX in XXXX. they purchased a home in XXXX and paid on it for 1 year XXXX then stopped. They then forged a quit claim deed and signed the property over to themselves which I complained about but nothing was done by the state of Michigan or the XXXX XXXX XXXX. Now it is XXXX and I receive threatening and harassing letters from this company threatening to sue me for a debt that for XXXX isn't mine and secondly, they are owed XXXX on a property valued at over {$200000.00} and their recourse is to foreclose on an illegally obtained property which I offered to attest to. However they continue to harass me after 16 years has passed and make threats. The statute of limitations in texas is 4 years and since 17 years have passed, they have NO legal recourse, and no right to threaten me. I am a 100 % XXXX veteran ( XXXX ) suffering from XXXX and this company is causing undue stress when I dont own and never owned the Property at XXXX XXXX XXXX XXXX XXXX XXXX a relative does, a relative that committed several crimes to fraudulently obtain the property. Being that I do not and never held the property, and all documents are fraudulent, Franklin Credit Management has no right to harass me after 17 years has passed.
Product: Credit reporting or other personal consumer reports

Do to the fair credit report these accounts with department of education/ XXXX should have been removed after 7yesrs
Product: Money transfer, virtual currency, or money service

XX/XX/2020 at XXXX XXXX I sent {$63.00} to a pay pal account I thought was going to a woman who told me she had electronic XXXX lock in tickets ( a trampoline park in town that does lock ins for certain ages a few times a year ) She said she had a few that she couldn't use. I offered her a price she accepted she told me to send it via pay pal friends and family. I don't use paypal very often so I asked what the difference was. She said none she just like to use that one. I should have trusted my gut but I didn't and sent it via friends and family and didn't know any different this person told me multiple times they were not going to scam me! Then when I sent the money they said oh it will take 2 hours to deposit to their account. And that they were not going to transfer the tickets to me until then .... Then she deleted me from social account we were on to talk to get the tickets to begin with. So NOW I'M OUT {$63.00} and no way to dispute this??? NOT OK!!!!!! She just worked the system and its not ok! I contacted Paypal to try to cancel the transaction and was told to contact the receiver as they were the only ones who could give a refund at this point. I am beyond myself as a working mom of XXXX boys this is not ok! Now my boys don't get to go at all tonight thanks to this persons need to scam me for {$63.00}!!!!! The persons email address is XXXX name says XXXX XXXX and on XXXX the social media profile we were talking on was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX someone used my information to apply to XXXX XXXX XXXX in order to obtain a credit card for XXXX. I have talked with chase bank and they were supposed to flag my account. As they couldnt trace back to the email or XXXX account that keeps attempting to get approval for a credit card. I now have 5 hard inquiries on my XXXX   credit report. All from chase bank. The dates are as follows ... 
XXXX, & again XX/XX/XXXX. I have put a fraud alert on all 3 credit bureaus as of today XX/XX/XXXX. I want these hard inquiries removed. And chase bank to stop allowing it.
Product: Debt collection

There 's INFLATION & there 's DEPRECIATION! Systems like XXXX XXXX XXXX XXXX XXXX XXXX XXXX S DEPRECIATED in value! I 'm not paying more than {$170.00} for USED VALUE to get my account REINSTATED with XXXX! They can keep with NO EXPIRATION DATE XXXX Store Card ( XXXX 's Credit Card ) with them!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed items to be blocked and deleted company information from XXXX and XXXX. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

on XX/XX/XXXX you closed our Savings Account without notice, and never sent our money to us. total of {$120000.00} plus the interest owed for the month of XX/XX/XXXX, plus the {$5500.00} deposit you cashed on XX/XX/XXXX from XXXX XXXX  ( XXXX ). ( This has been verified you cashed this deposit by XXXX XXXX  on XX/XX/XXXX while our account has been closed by you. We contacted you on several occasions the last week and a half and have been hung up on, said your money is lost, we don't exist and so on .... at this point, this is considered fraud and stealing. we have a copy of the XX/XX/XXXX Statement upon request.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX XXXX multiple times about my credit report in collections for a debt that is not mine. I have requested a debt validation letter and havent received it. Please remove off my credit report asap as its affecting my credit report. This account was opened without my consent. I have notified and sent letters to Transunion dispute and they keep updating and verified the inaccurate collection of something is not done immediately I will be filing a lawsuit against transunion and oliphant as this is affecting my credit.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was charged overdraft fees on multiple withdrawals because the total added up to not being sufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I did not sign any contract with a collections agency, I am not legally obligated to them. The items below have violated my rights. 

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 XXXXXXXX
Product: Credit card

Received a phone call from a woman claiming to be with Capital One stating that they were confirming I was opening a new account with them. I told them I have not submitted an application for a new credit card. She transferred me to a man and he was with Capital One and that there was fraudulent charges on one of my credit cards with them. He claimed he was putting a freeze on my credit card accounts and could do the same for any additional cards. I had given them all my personal information, including date of birth social security number, and banking information. I was on the phone with them for over XXXX hours and they continued to tell me they were working on clearing up all these fraudulent charges with the companies trying to make the charges ( XXXX XXXX XXXX ). He was very polite and answered my questions professionally. They even texted me passcodes to verify account information. The number they called from was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

Ok i filed a couple complaints against sofi and in returned they put a restriction on my account and my ssdi is deposited into it and i have tried contacting them multiple times to remove it. They never even told me what or why the restriction was placed so now they acting tyrants
Product: Credit reporting or other personal consumer reports

I have recently reached out to all 3 major credit bureaus via certified mail that requires a signature, asking them to verify some accounts. I also requested a complete investigation on everything on my credit report, and they did, and stated everything was accurate. After I looked over my credit reports to do my own research, I still found some items that are reporting inaccurate on my consumer reports. There are several items reporting on different dates, different amounts, accounts opening, closing on different dates, or late payments.

After carefully reading my consumer laws and the Fair Credit Act, I've noticed that some of my consumer rights have been violated. According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Several of my consumer rights have been violated by the accounts listed below, therefore I demand these account to be removed from my credit report. 

XXXX. XXXX XXXX Account # XXXX Inaccurate items are as follows XX/XX/XXXX I was marked 90days late by XXXX but marked paid on time by Experian. XX/XX/XXXX I was marked paid on time by Experian and XXXX, but 30 days late by XXXX. How is this the case if my consumer reports should be accurate? 

Please see attached files XXXX. XXXX XXXX  Account # XXXX This company has been reporting inaccurate information from XXXX XXXX XX/XX/XXXX and other dates. Please see the attach files for confirmation. 

I demand these accounts be deleted from my consumer reports immediately due to the fact that they violates my consumer rights.
Product: Debt collection

On XX/XX/2018 @ XXXX, Coast Professional called my place of work to get in contact with me. Per the Fair Debt Collections Practices Act, I had previously sent them a cease and desist letter by certified mail on XX/XX/2018 that stipulated that all further contact had to be made by mail and that they could not call me. They have violated this cease and desist. I have let them know that they have violated the cease and desist letter and to not harass me at work.