23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Diversified Adjustment Service regarding their legitimacy in collecting a debt on behalf of XXXX XXXX XXXX. I have received a notification from Diversified Adjustment Service stating that I owe a debt of {$29.00} for an outstanding balance on my XXXX XXXX XXXX XXXX  bill. 

However, I have concerns about the legitimacy of this claim. I have already paid the full amount of {$100.00} on my XXXX XXXX XXXX XXXX bill, and I have proof of payment. Additionally, I have not received any notification from XXXX XXXX XXXX that I owe a debt to them. 

Furthermore, I have concerns about how Diversified Adjustment Service obtained my personal information, including my account number, name, address, and bill details. I am deeply concerned about my privacy and the potential for my personal information to be misused. 

I am requesting that the Consumer Financial Protection Bureau investigate the legitimacy of Diversified Adjustment Service 's claim and how they obtained my personal information. I am also requesting that you take steps to protect my privacy and prevent any further misuse of my personal information. 

Thank you for your attention to this matter. 

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

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/Transunion/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is not reporting the CORRECT balances on my credit report and due to this I have been neglected several times for credit and other products. Transunion has to report information with 100 % accuracy and everything needs to be updated as it is not. Both XXXX and XXXX updated the balance on my XXXX card. They have missed both XXXX and XXXX reporting and as you can see, it is a HUGE difference in terms of my utilization. from XXXX XXXX to XXXX XXXX. this needs to be fixed now.
Product: Debt collection

ACCOUNT NAME SANTANDER Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish anaccount without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an accountwith this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section.602.A.States i have a right to Privavcy To Whom It May Concern I did not Authorize anyone employed by these companies to any inquiry and view my credit report.This is a vi olation of the of Fair Credit Reporting Act Section 1681b ( c ) and a seriuos breanch of my privacy rights
Product: Credit reporting or other personal consumer reports

i would like the negative account reporting on my credit to be removed, it should not be there
Product: Credit card

Credit Karma. Not sure if I am in the right section to complain. I have been using Credit Karma for a cpl yrs now. After hearing about the settlement about misleading approval odds I thought they stopped that practice. But they are still doing it. I have been working really hard on my credit for the past few months, and finally started seeing " outstanding '' approval odds on some unsecured credit card offers on credit karma. I decided to apply for one today, thinking the extra credit and not using it would help more score even more. With outstanding approval chances and hearing about the settlement a few months ago, I was mis-led thinking I would for sure get approved. I was denied and now many credit score dropped points again. I am so disappointed and deflated that this happened due to their mis-leading information and wanted to complain and report them. Please contact me for further info to report them!
Product: Debt collection

On XX/XX/16, I received collection notification that there was a balance of {$380.00}. I made an attempt to contact the company to dispute the balance due to the fact the benefit amounts were already paid through the insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX : {$990.00}
Product: Mortgage

Subject : Urgent Request for Correction of Payment Reporting and Payoff Letter - Loan # XXXX CrossCountry Mortgage, LLC Dear Sir/Madam, I am writing concerning my loan account # XXXX with Cross Country Mortgage. I have recently observed discrepancies in the reporting of my XX/XX/XXXX payment on my credit reports, which are adversely affecting my ability to obtain credit. I believe these issues are due to errors in processing on your end and not any fault of my own. 

Your records indicate that my payment of {$3500.00} for XX/XX/XXXX was received at the end of that month. I assert that I never submitted any payment in XXXX. The payment in question was indeed made in a timely manner in XXXX, as evidenced by two payments reflected in your records as received on XX/XX/XXXX. Furthermore, I encountered multiple glitches and malfunctions in your online payment portal during XXXX and XXXX. The constant upgrades, redirects, and newly hired overseas customer service may have compounded these issues.

Here are the key details supporting my stance : 1. Consistent Payment History : I have maintained a long-standing history of on-time payments with your institution, verifiable through my account history. 
2. Payment Attempts : In XXXX, I made several attempts to ensure correct processing of my payment : Check # XXXX dated XX/XX/XXXX, initially missing but processed under # XXXX on XX/XX/XXXX. 
Payment # XXXX dated XX/XX/XXXX. 
3. Error in Payment Application : The payment made in XXXX was erroneously applied to XXXX. 
4. Attempted Resolution : Following the missing check incident in XXXX, I promptly issued another payment to cover the amount. 

In light of these points, I respectfully request the following : 1. Immediate Correction of Credit Reporting : Kindly remove the late payment report for XX/XX/XXXX, as it was due to processing errors and not a lack of payment on my part. 
2. New Payoff Letter : I need an updated payoff letter, valid through XX/XX/XXXX, confirming that all payments have cleared. 

I value my relationship with Cross Country Mortgage and wish to continue it as I look to secure another property. However, the current situation requires prompt attention. I believe a courtesy adjustment for a long-standing, punctual customer like myself is reasonable under these circumstances.

Attached are the proofs of payments made on time. Please review them and make the necessary corrections. I am hopeful for a swift resolution to this matter, failing which I will be compelled to file a formal complaint.

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX Regarding Property : XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have unauthorzied inquiries on my Transunion credit report. I called Transunion on XX/XX/XXXX to dispute the inquires. The inquires still remain on my credit report that I do not recognize. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account number:XXXX Account name : XXXX  Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I currently have an active account with Santander Consumer USA. They have reported on my credit report that it is charged off/closed. That is not true because I have an open car loan with them and I pay the car loan monthly. I have contacted Santander Consumer USA and they have not corrected this on my credit report.
Product: Mortgage

My husband, XXXX XXXX, passed away on XX/XX/2017. Since that time, I have made every effort possible to resolve the outstanding mortgage on the property with SN Servicing Corp. I do not have the financial ability to maintain his mortgage, so I have repeatedly requested short sale consideration. SN Servicing Corp maintains that the owner of the note will accept no less than $ XXXX net proceeds for the property. Unfortunately, just as I do not have the financial ability to pay the mortgage, I far from have the financial ability to complete the repairs necessary on the property to obtain an offer that would net them such proceeds. SN Servicing corp refuses to complete an interior inspection, bpo, or appraisal of the property, such as is standard with most all other banks and servicer 's to determine the true value of the property as is. I am a widow, this is not my house or debt, and all parties are just looking to come to a mutually beneficial agreement for both the owner of the note and to resolve my late husbands estate.
Product: Credit reporting

There is an address listed on my credit report that I have never lived at. The address is:XXXX XXXX XXXX. 
XXXX, NY XXXX
Product: Checking or savings account

On the early morning of XX/XX/XXXX I had my phone and wallet stolen. The person who had stolen it, used my credit and bank cards to spend throughout various places in XXXX and the XXXX. I immediately reported all of my items lost to the respective companies and reported all fraudulent charges as soon as possible ( roughly between XXXX XXXX  on XX/XX/XXXX ). 

My credit card companies immediately refunded the money spent fraudulently and conducted their own investigations. However, AXOS Bank who manages my checking account claimed I would be protected but after XXXX XXXX, I have had my claim for {$1600.00} rejected twice. Upon asking why this was the case and if i could have documentation, they have sent me to multiple different customer service representatives who were unaware of the situation. Further when I was finally able to speak to a supervisor, she told me the claim was denied " due to investigations made by upper management. '' I am now over XXXX XXXX  since the initial investigation was conducted and denied and still have not been given any information as to why.
Product: Checking or savings account

XX/XX/year> I was at work around XXXXXXXX XXXX  and k received a message from Wellsfargo sending me a receipt of a ATM withdrawal of a bank that I never go because I dont usually take money form atms, the receipt was for {$150.00}, as I said at was working at the moment ( attached my clock in and out from my job ) so I checked my account and they did XXXX transaccin XXXX for {$150.00} and another one for {$800.00}, I called the bank and open a fraud report, change and block my cards, pins and username from my mobile bank, the same day went to the Police and open a police fraud report which I have the nmero of the report, yesterday XX/XX/XXXX I called the bank again to know the status of my claim and they said it was already declined, they declaiming a claim that they not even doing a proper, they saying that the card was used to take the money ( I had the physical card with me that day when everything happened ) nobody elses ideas my card but me, so they already decided to decline not even checking the cameras of the ATM that is part of their branch. I went to the bank today XX/XX/XXXX and they called the fraud department explained everything again and told me that they not even giving me the opportunity to open another claim which it was weird even for the banker that was helping today because they had a final decision not even mentioning that they checked the cameras when he asked, so they didnt check them and so that was their final decision based on nothing because they haven done a proper investigation, the banker even mentioned me if could be a good idea
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality und

er 15 USC 1681. Account Name
: XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I XXXX XXXX, rights of privacy has been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX have all been sent legal documents about a collection account on my credit report from a XXXX XXXX agency. These documents prove that this account is to old to be on my credit reports. These documents also prove that the account belongs to someone else. I'm sick and tired of filing disputes with them about this problem.
Product: Debt collection

I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. 
Company name : XXXX XXXX account was with XXXX balance last updated on XX/XX/XXXX. 
Company name : XXXXXXXX XXXX XXXX account balance is {$570.00}, last updated on XX/XX/XXXX. 
Company name : XXXX XXXX with an account balance of {$1400.00}, last updated on XX/XX/XXXX. 
I disputed these items for lack of accuracy added to my account, and it negatively impacted my credit score.
Product: Credit card or prepaid card

My Bj 's Perks Master Card / Comenity Bank website went down for service, no payments can be made ( payment due today XX/XX/27 ). We have even called the customer service line and as of today, the customer service has been closed due to " unforeseen reason ''. I have tried every possible way to contact them but there is now way. I have gone on to XXXX and see that they are " down due to unforeseen reason ''. And, now my card and my husbands card has been shut down ( being declined ). We can only think there has been a security breach so we have been forced to purchase a credit lock company to protect our credit! I feel they should have to communicate with us, not just shut everything down so we can't communicate with them?
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX 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 XXXX XXXX
Product: Debt collection

Keep receiving phone calls saying I owe money on a PayDay Loan from XXXX XXXX XXXX. I did not ever take out a PayDay Loan through XXXX XXXX XXXX. This is a scam and they have called me and are now contacting family members. The most recent call I received came from the following number : XXXX. They call with a claim number saying they are trying to contact me and that they are attempting to collect a debt. I XXXX the number above and found that they are calling other people trying to perpetrate the same type of scam. One of the comments from the online search of this number states it is from XXXX XXXX Services. I have received calls like this before and told them I never took out a PayDay Loan and that any debt they speak of is not mine. Now I do n't answer the phone if I do n't recognize the number, but yesterday they called my mother. I do n't know how they got her information. Please tell me how to make them stop. Thank you.
Product: Mortgage

This is an email that I sent to the company today. I think it describes the issues. 
Good morning, I have a mortgage loan and I have not been able to log into view it since Shellpoint took over servicing. I also have not gotten mortgage statements in the mail yet. The borrower is XXXX XXXX XXXX XXXX and I am the sole owner of that corporation. I have tried calling your customer service phone number and not gotten any resolution. I think the problem is your site asks for last name, last 4 digits of social security number, and property zip code. Since this loan is to a business and not me individually there has been confusion. I have tried entering my last name and the business name in various forms with no resolution. I think the last 4 digits are actually the last 4 digits of the business EIN. The loan number is XXXX. I can be reached on my cell phone ( XXXX ) XXXX. I also have not been mailed monthly statements since Shellpoint took over servicing. At this point I am reaching out one last time. If I can not get any resolution from this email, then I will file a formal written complaint with the CFPB. 
Regards,
Product: Debt collection

Creditor : XXXX ( i canceled service XXXX XXXX : customer service says disregard {$55.00} bill, wait for final. 2months, no final, convergent outsourcing XXXX collections XXXX contacts by phone, i say send the bill, they do, meanwhile i pay {$55.00} bill to XXXX to see if that resolves, then convergent sends {$230.00} bill, i pay that, then convergent sends bill additional for {$180.00}, i will not pay, this is fraud. Please respond. Thank you.
Product: Credit reporting or other personal consumer reports

( IDENTITY THEFT REPORT ATTACHED ) The FCRA was created to protect the privacy of consumers confidential information and to ensure CRAs do what's fair and equitable for the consumer in which Experian has failed to do as they are reporting a FRAUDULENT XXXX ACCOUNT ON MY CREDIT REPORT. Experian has allowed XXXX to Intrude upon my private information. 
BLOCK THE FRAUDULENT ACCOUNT AS REQUIRED BY LAW ( FCRA ) TO PREVENT ME FROM OCCURRING FURTHER DAMAGES.