23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : This letter is in response to your recent claim regarding the above-mentioned account, which you claim {$710.00}, XXXX, and XXXX. 
By not replying in a timely manner to my initial letter on XX/XX/year>, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response now that I have informed you of your legal obligation to respond to my initial dispute that went unanswered. 
I am reminding you that I stated the following in my initial dispute : I am requesting validation ; that is competent evidence showing that I have ( or ever had ) some contractual obligation to pay you. 
This erroneous entry is detrimental to my credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or documentation, I may pursue enforcement of my rights.

My contact information is as follows : P.S. If needed, I will also provide a copy of this letter to the organizations below : Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit card

I asked my mother to make a payment to my credit card. My mom used Chase bank in XXXX XXXX ATM to make the payment with cash. Upon completing the transaction, she received a receipt saying that there was a problem with the deposit. Right away she went inside the bank and they informed her that they had the problem with the same ATM day before. ( Note : they failed to put up a sign that the ATM wasnt working. The sign was put up after that transaction and he still up until this day. ) we called the bank right away and provided all the information from that receipt and they told me that they will do an investigation and deposit the money into my credit card. The provisional credit was given however, the transaction was reversed couple days later, which resulted a negative amount on my credit card. The bank and they informed me that they had received a request to cancel that investigation. ( which was not done by me. ) in addition, they said that they would need the details again in order to reopen the investigation however, since the transaction was completed, I got rid of that paper so my mother went to the same branch today and spoke to the branch manager and she informed her that they have no control over ATM transactions. Im wondering when they ATM has collected the funds and they were over {$500.00} and I asked that to the branch manager and she confirmed that they shouldve reported that However, nobodys bothering to do anything. I do not have extra {$500.00} to waste
Product: Mortgage

I had been taking advantage of the forbearance program offered by my then mortgage company XXXX XXXX back XXXXXX/XX/XXXX. In XXXX XXXX I was notified that my mortgage was being sold to another company and well be serviced by ( Carrington mortgage services ). 
I contacted Carrington to setup my account information and to conclude the forbearance program offered. I person told my forbearance period would be ending XXXX and that I would need to filled out a " loan modification '' and send it back to them i did so XX/XX/XXXX. at the time the document showed an arrears of {$7900.00} this figure is end conflict with a mailed billed dated XX/XX/XXXX that states I owe {$8700.00} That person at carrington contacted me stating the documents didn't pass their companies quality control department. This also happened again on XX/XX/XXXX when I Resubmitted with new dated signed on them by the notary and me. On XX/XX/XXXX. This set back had caused a delay in the forbearance period ending. The final approved loan modification on XX/XX/XXXX. During the extended time involved in finalizing these documents. Carrington ( mailed me ) again extended for forbearance time to end XX/XX/XXXX. The final documents signed and dated were approved and submitted on XX/XX/XXXX. I believing that my 1st payment due on XX/XX/XXXX. XXXX made the payment online through carrington web portal but ; It showed that payment went towards the XXXX payment of my account. I contacted the same person at carrington and told me that the XXXX and XXXX payments would not be required. this statement is also in his email to me. I tried to log in to my carrington account online to make my XXXX payment only to see i'm locked out from making a payment. i contacted carrington and asked what i need to do. A different person told me that my forbearance ended XX/XX/XXXX and that i'm too far behind to use the online payment option. I explained I had a company letter head mail stating by forbearance end XX/XX/XXXX. That person said " they see no record of that in my file '' He also asked if I would email him a copy of the letter which i did XX/XX/XXXX. 
Carrington and it's agent had giving me and extended period of time to complete and return the required documents they needed. their agent told me and also in emails that I don't own for the months of XXXX and XX/XX/XXXX. 
I've repeatedly asked for copies of their documents from the quality control department that show the reason why they fail. this too was never replied to. 
They ( carrington and it's agents ) have refused to reply to multiple calls regarding this matter. even during conference calls with a 3rd party credit/debt resolution company. 
I want to make my payments and carrington and/or it's agents well not let me. 
The Final FHA load modification paperwork carrington submitted and approval for is wrong. It wasn't signed, submitted and approved until mid. XX/XX/XXXX.
Product: Debt collection

I have not received any information about this debt from any creditor nor the debt collector. I only became aware of this debt through XXXX
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SECURITY FREEZE
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against EQUIFAX concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

On October 2024, I initiated a dispute regarding incorrect information related to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Despite providing supporting documentation that substantiated my claim, EQUIFAX responded in XX/XX/XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide.

In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of EQUIFAX may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should lo
gically inform their subsequent actions regarding the accuracy of my credit report.

Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to sec
ure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

My concerns remain unaddressed despite my attempts to resolve this issue directly with EQUIFAX through Certified Mail.
Product: Mortgage

My original home loan was with XXXX made in 2006. XXXX did not charge me a fee for making my mortgage payments online. Several years back XXXX XXXX XXXX sold my loan to Nationstar Mortgage, who charges me a fee of {$9.00} each month for paying online. My loan was sold to Nationstar Mortgage unbeknownst to me and I never signed any paperwork agreeing that I would pay a fee to make payments online. I 've spoken to several representatives with Nationstar who will not waive the fee. I received a mortgage loan from one financial institution who did not charge me a fee for making payments online and through no fault of my own ended up with another financial institution that charges for paying online. It 's not fair to me the consumer.
Product: Checking or savings account

well, I had a XXXX account on XXXX XXXX 2022 I mobile deposited. my payroll check of XXXX a lady by the name of XXXX XXXX stole it out my car an re cashed it on XXXX XXXX on XXXX XXXX piolet steel is my employer put a fraud case against the check so US Bank took it back out of our account at XXXX this has been going on since XX/XX/XXXX XXXX I had money in my XXXX  account, but they locked it due to that > on the back of my husband 's payroll checked it stated deposit only for XXXX bank a US bank let her walk into XXXX XXXX XXXX Bank, and cash it again.it has messed up my life i couldn't get money out the bank at all they finally closed my account at XXXX. XXXX has done everything for me to help me try to solve it US bank I have spoken to XXXX XXXX numerous times everyone is giving me the run around XXXX my husband 's employer XXXX XXXX has a banker name XXXX that's downtown XXXX. the officer that did my case an XXXX  have spoken to us bank an XXXX assumer about it the owner of XXXX XXXX  no one wants to give our money back. my wife 's number that has been handling this is XXXX we have decided to get a lawyer involved now since US Bank is at fault we almost lost everything we had had to file debt consolidation. please I need all the help i can get.
Product: Checking or savings account

I recently had to close two accounts due to fraud. When I closed the accounts I opened two new ones that were to be in place of the old. When closing the old accounts I was told I had thirty days to fix any balance that was due to the bank. Within five days of the old account being negative the bank took available funds from both open accounts without my permission, leaving both new accounts at XXXX  balance and the closed account still in negative status.
Product: Checking or savings account

I have about {$2200.00} in disputes that were dienied by Wells Fargo. Starting from XX/XX/XXXX for {$100.00} and {$160.00}, XX/XX/XXXX {$100.00}, {$140.00}, {$100.00}, {$100.00}, {$130.00}, XX/XX/XXXX for {$130.00}, {$100.00}, {$130.00}, {$100.00}, {$140.00} and {$100.00}. XX/XX/XXXX for {$25.00} XX/XX/XXXX {$100.00} {$100.00} and XX/XX/XXXX for {$30.00} and XX/XX/XXXX for {$40.00}, {$55.00}, {$70.00}, {$65.00}, {$35.00} {$45.00} and {$45.00}. My phone was stolen and these transactions were made without my permission well Fargo denied these disputes I did let them know my phone had all my log in information on it to all my stuff and I had no password on my phone at the time it was stolen. Wells Fargo sent me a new card XX/XX/XXXX because of some other transactions on my card and I added this information to my XXXX XXXX  account not knowing I was having funds already stolen out of my account to XXXX XXXX I used my new Wells Fargo card and added it to my XXXX XXXX  account before knowing someone was using the XXXX XXXX account and sending money there. I went through my account the day I made the dispute and seen all the transactions that were being made to XXXX XXXX. I can show you on my XXXX XXXXp I do not send a significant amount of money to one person ever!!! If there is anyway I can get my money back that would be highly appreciated
Product: Debt collection

I live in XXXX XXXX XXXX, XXXX, DE and hired XXXX XXXX XXXX XXXX to fertilize my lawn couple years before. Their service was not good and complained multiple times, but no use of complaint. They continued their service year over year due to their system tactic - Auto renewal to next year which i did not request to continue.Without my request they are applying fertilizers and was sending bills. Since they already did service, i kept paying for couple years with kind ness, but i am not able to come out of their service plans because of their auto renewal policy even though complained couple times. 
Finally decided not to pay the recent bill of around {$90.00} from XXXX of 2023. I requested to cancel this bill as i as i did not like the service.. They ignored my request and send my bill to collection agency - Transworld. systems inc Now iam afraid of my credit history and collection agency threat.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00} ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made arrangements on this account XX/XX/XXXX and XX/XX/XXXX. During that time I was unemployed and there was a extensive waiting period for unemployment benefits. I was able to make payments with my income tax return and my stimulus check however with my unemployment still pending I fall behind on all my bills. 
I was in communication with XXXX XXXX. 
The late payments were reported to the credit bureaus. Per the CARES ACT if the borrower makes arrangements of any kind it is to continue to report the same prior to the delinquency. XXXX XXXX failed to report it correctly. And the credit bureaus have failed to comply to the cares act. 
XXXX XXXX Account Number : XXXX Late payments reporting XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Re : Home Depot Account ( Citi Bank ) I have an XX/XX/2019 statement with a balance of {$94.00}, minimum payment due is {$25.00} by XX/XX/2019. 

I made my payment ( in full, {$94.00} ) on XX/XX/2019 and the payment was processed on XX/XX/2019 by my XXXX XXXX checking account. I have bank proof that the payment was processed, yet Home Depot ( Citi Bank ) still shows that I have not made my payment. 

Please contact them as I am not going to receive a late payment from this absolute corrupt credit card organization. 

Please ensure that this payment is posted on the correct date and my account does not show as late. 

Thank you. 

XXXX XXXX
Product: Mortgage

My loan originated on XXXX XXXX I have made all my payments above and beyond. Abruptly I been charged an additional {$900.00} and they have increased my mortgage payment to {$2700.00} from the original agreement of XXXX as I have provided for your review. Also included are copies of bank drafts made to Freedom Mortgage payments made that where above the required amount owed. 

Thank you in advance for your help. 

XXXX XXXX XXXX number XXXX
Product: Credit reporting

The accounts that are in question are ( XXXX XXXX XXXX ) XXXX XXXX ( XXXX ), these accouts were closed and were charged off as XXXX/XXXX/2009 and the staute of reporting these negitive accounts has expired but they remain on my report. 
I have asked that these accounts be removed.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to remove any erroneous accounts from my credit report. Could you verify the documents? Some accounts listed have reporting inaccuracies, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate information reported by XXXX XXXX XXXX XXXX on my credit account. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681 ( e ) ( b ), which requires data furnishers to ensure maximum accuracy of the information provided to credit reporting agencies. 

**Details of the Issue : ** XXXX XXXX XXXX XXXX has reported my account as " charged off '' ( CO ) inconsistently and inaccurately over multiple years, as detailed below : - XXXX : ** XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CO ), XXXX ( CLS ), XXXX ( ), XXXX ( ). 
- XXXX : ** CO reported for every month except XXXX ( CLS ) and XXXX ( ). 
- XXXX : ** CO reported for every month. 
- XXXX : ** CO reported for every month. 
- XXXX : ** CO reported for every month. 
- XXXX : ** No data for XXXX through XXXX, " 30 days late '' ( XXXX ), " 60 days late '' ( XXXX ), " 90 days late '' ( XXXX ), " 120 days late '' ( XXXX ), " 150 days late '' ( XXXX ), " 180 days late '' ( XXXX and XXXX ), and " charge off '' ( XXXX and XXXX ). 

This reporting contains clear inconsistencies. For instance, the " charge off '' ( CO ) status is repeatedly applied without proper explanation or continuity, while " no data '' ( ND ) entries and " closed '' ( CLS ) statuses appear intermittently without context. Such inaccuracies suggest a failure to comply with FCRA Section 1681 ( e ) ( b ).
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft. I have fraudulent accounts on my credit report. I am not liable for this debt. Im attaching my drivers license, my social security card, and my identity theft report. 

XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

Scam calls. Do not know my name. 

XXXX
Product: Money transfer, virtual currency, or money service

My mother died in XX/XX/2021. She had a safe deposit box at Chase Bank in XXXX, FL. I can not get anyone to answer the phone or take a message. The XXXX number to reach a Chase Banker will not let me in because I don't have my mother 's full account number. I have the last few numbers of it. I live 350 miles away. My mother 's attorney is in XXXX, and she wants me to get permission for her to get the box open to look for the original Will. I know the box number, and I have the key. She said she will mail me the legal forms for me to sign giving her permission to gain entrance to the safe deposit box. I believe I am on my mother 's box. If they would just answer the phone, it could be taken care of, but they won't. Please help me. I am my mother 's sole heir, and my attorney has her Death Certificate.
Product: Bank account or service

I am very disappointed that Chase has not honored the terms of the offer I opened my checking account under. My employer has made XXXX direct deposits of my paycheck to my new account. Chase is claiming these are not direct deposits and not posting the {$300.00} credit as promised. I consider this wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. Kindly correct or discard these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX  numerous times regarding the late payment they are reporting in XX/XX/year>. They have refused to update this to positive even though I was protected by The Cares Act which states due to XXXX  XXXX forbearance program regulations that no late payments are to be reported during the time of XXXX  forbearance program and per 15 USC 1681s2 ( f ). Not to mention that due to XXXX XXXX, I was in a coma that i should not be suffering with this ongoing issue and it is NEGATIVELY impacting my credit score and XXXX XXXX is the only Merchant that has not fixed this issue.
Product: Checking or savings account

I have a Life Green checking account with Regions. I used their refer-a-friend program to refer my sister, XXXX XXXX . We were both supposed to receive XXXX $ XXXX XXXX XXXX. My sister finally did after calling multiple times, yet I have not. Ive called probably 10 times in the last couple months and have received every excuse in the book. Tracker not working, sent to wrong address, lost in the mail, etc. I have expressed my frustration with this and even asked to be sent to a branch. Still nothing. I just called again and they said there was nothing that could be done. I just want the XXXX $ credited to my account so I no longer have to wait. I shouldve received this over 2 months ago.