23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, I would like to place a written complaint with Loan Care (   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX  ). After numerous phone calls requesting an explanation of my Escrow account including the removal of my PMI dating back to XX/XX/XXXX , I have yet to receive a single return phone call or Email. Any and all efforts made have been on my behalf. Any speaking to several different customer service employees including "  XXXX ,  XXXX  XX/XX/XXXX  and   XXXX     XX/XX/XXXX  '' and being promised that a manager would call me back regarding my concerns, I have yet to receive any phone calls. After being previously told that my PMI would be removed once my original loan amount was paid to 80 % or below, the PMI would be removed automatically. On   XXXX   XXXX   I was told that I must place a written request to have the PMI removed, which I did and immediately received a replay email on that day. The replay email stated that I please wait 5 days for a response. As of  XX/XX/XXXX  I have not received an Email, Hard copy or a return phone call. This company has the worst customer support group that I have ever worked with, regarding any phase of business. I do have copies of the corresponding emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I have recieved the results of an investigation that an item was deleted from my credit report. However, I recently viewed my report online and the item is still being reported.
Product: Credit card or prepaid card

Prior to contacting Kay Jewelers about my lost credit card, I contacted a number XXXX. When giving information to look up my account, the lady notified me that she was unable to find my account and I dont have an account with the company, which I have for years and I never canceled it. She then insisted that I give her my entire social security number to look up my account, which I refused. She informed me there no other way to look up my account. I believe that this was an attempt of fraud in obtaining my social security number. I was able to locate another number for Kay Jewelers customer service where they were easily able to locate my account with out obtaining my social security number.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I request that you block and delete all accounts associated with this breach, as per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the affected accounts and inquiries that I request to be blocked and deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They kept calling me and calling me about this debt I had. I knew I had it I just couldnt pay it times were very hard. But even tho things were still not so great I ended calling the collection agency they told me they would give me a deal and they would delete it from my report if I paid it that day. I did pay it and now they wont remove the collection mark on my report I asked them if they could since that was their promise they told me they cant do that. So Im left with no other choice than to make this complaint. I know it was a collection but I paid it. I paid my dues.
Product: Debt collection

I am writing to formally request documentation regarding a collection account that has been reported to my credit file. Specifically, I am requesting the following information : A signed agreement indicating that the original creditor was not paid, as well as proof of any signed agreement showing that I agreed to pay this debt to the collection company.

Evidence that the collection company has not paid the original creditor, along with proof that I have explicitly agreed to pay this debt in the event that the original balance was not covered.

A clear statement showing the balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed my dismissed XXXX from EX and they 've deleted it! But it 's still being reported by these XXXX XXXX XXXX XXXX XXXX ... Attached to this is proof that this was deleted as of XXXX XXXX XXXX. Please follow suit and delete this for accurate reporting. It must be deleted in order to show my true credit history.
Product: Checking or savings account

I originated a home mortgage loan with XXXX XXXX XXXX in XX/XX/XXXX. The mortgage was transferred to Capital One when they took over XXXX XXXX XXXX. At that time I authorized an ACH payment to Capital One for the mortgage payment. On XX/XX/XXXX the mortgage was assigned to XXXX XXXX XXXX XXXX XXXX . I paid the mortgage off in full with a bank transfer of funds at XXXX XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX. I proceeded to Capitol One to close my checking account because XXXX XXXX XXXX XXXX. said they were going to take a payment from my Capitol One checking account. I did not authorize XXXX XXXX XXXX XXXX. to take a payment and have not given them any banking account information. Capitol One refused to close the account and said they were going to charge a non sufficient fund charge should XXXX XXXX XXXX XXXX. attempt to take a payment out.
Product: Debt collection

A fraudulent medical debt has been placed on my credit report by a company named Capio partners the original debtor is XXXX XXXX XXXX XXXX. THIS FRAUD DEBT was placed on XX/XX/XXXX with out me being notified of this debt also my credit score has took a few tremendous hit I want 100 points added back to my credit immediately and to be compensated for fraud.
Product: Mortgage

My wife received a piece of mail from Quicken suggesting we refinance our mortgage to a higher rate and extended term. Yes, we could save more on our monthly payment by doing so ; however, I could not find anywhere in the letter where they indicated that this would result in our paying more interest over the life of our loan. And after doing calculations on my own, it looks like it would be XXXX upon XXXX of dollars more. Maybe I 'm overly sensitive at this time due to the buzz around Quicken 's Rocket Mortgage ad during the XXXX XXXX, but I 'm really getting fed up with Quicken 's aggressive marketing tactics that seem to go against Truth In Lending principles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights : l15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 




Listed below Inquires not done by me that needs to be taken off of my credit report : XXXX  XXXX XXXX Date : XX/XX/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 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 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 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was checking my credit report and a derogatory mark appeared for a balance of {$730.00} from XX/XX/XXXX and was just reported on XX/XX/XXXX. I have not received anything in the mail, nor have I received any emails or phone calls regarding any sort of derogatory mark. This now says that the amount has been " Placed for collection. '' If I would have not checked my credit report I would have never known that this was ever out there.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by XXXX XXXX On XX/XX/2022 XXXX I applied for The XXXX XXXX XXXX  As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). First Digital has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$890.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received no notice in the mail of or otherwise, regarding this debt that they claim I cosigned on until they started calling me and I didnt know what they were talking about.
Product: Credit reporting

I am in receipt of a letter dated XXXX/XXXX/2015 from XXXX XXXX BANK. Paragraph one ( 1 ) states that credits score is one of the factors that they use in calculating an interest rate and have provided me with the credit scores they used in assessing my application. Credit scores provided are as follows : XXXX XXXX ( XXXX ) ; EQUIFAX- XXXX ( XXXX ) ; and XXXX ( XXXX ). Scores have increased since last week. However credit bureaus continue to report the same adverse key factors that were reported to the XXXX XXXX XXXX XXXX on XXXX, XXXX Bank on XXXX/XXXX/2015, and XXXX XXXX Bank on XXXX/XXXX/2015. Having reviewed each credit bureaus credit report, line by line, I find that information provided does not support these adverse key factors. I find it appalling that creditors continue to accept the credit bureaus information as gospel. Attached are letters that have been submitted to dispute these adverse key factors. The credit bureaus only responses to disputes are the credit reports which do not substantiate these adverse key factors. Customer does not have any say so in the decision making process. Why are these credit bureau allowed to dictate what a customer can or can not have?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item to be removed ; being   XXXX    removed item from my report as a result of their investigation.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) IN general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Incorrect Derogatory Medical Collection Account being reported to my credit reporting by XXXX, XXXX, and XXXX. 

Advanced Collection Bureau continues to knowingly, willfully, and recklessly violate my FCRA and HIPPA rights by reporting an incorrect, invalid medical debt and collection account. The information reported is derogatory, contains medical information, affects my ability to obtain proper credit, and defames my character. 

I have attempted to remedy the invalid, incorrect reporting myself however, Advanced Collection Bureau INC refuses to respond, provide proper proof per FCRA regulations to me, or remove it as evidenced by the documents included in this complaint. 

USPS Certified Mail Letter : XXXX USPS reports " Delivered, XX/XX/2020 at XXXX XXXX  Delivered, XXXX XXXX XXXX, FL XXXX '' Advanced Collection Bureau , INC does not meet proper FCRA documentation requirements or provide proof this debt belongs to me. It reports " XXXX XXXX '' on my credit reports, personal medical information. This is not my debt. Advanced Collection Bureau , INC is incorrect in reporting this to XXXX, XXXX, and XXXX  on my credit reports.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year>
Product: Credit card or prepaid card

I was traveling in XXXX.While in the lobby of my hostel I was introduced to a man from XXXX named XXXX Instinctively didnt like this person. A day latter he asked for me and was told I was not there.Now Im more skeptical. Next day he accidentally encounters me in the park I dont wish to be rude so we spoke He abruptly went to buy some bottled water and orange juice which I didnt ask for. I drank it and was drugged .He ended up with my phone and three of my credit cards. I could not move to catch him I was in the park for hours. I went to the police they were of little help But I made a police report typed in XXXX of course. Went to the hospital wanting to explore what was given to me. Im alone with no money, no phone and no return trip. Went to XXXX XXXX again no help. I notified the credit card companies as soon as I could.Remember, no phone.My daughter bought me a plane ticket home. My plan was to continue on to XXXX and XXXXHowever ; Upon arrival i receive charges. O one account {$1900.00}. I contested these charges twice and sent in the police report to them. The credit card company sent me a letter saying the charges are valid. I have paid this amount but grudgingly.Now, I turn to the governing body. I can supply all necessary documents
Product: Credit card or prepaid card

Dissatisfied with purchases, billing errors, late fees errors, phones calls, no valid responses from letters sent, accessing credit files and submitting errors to credit report agencies.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX  I applied for a credit card issued by goldman sachs for the XXXX rewards card. During the application process I was asked to do a XXXX time passcode and submit an ID. I got approved for the card and I started to use it right away and make some purchases however on my first attempt I was declined so I called customer service and spoke to XXXX of their representative but then transferred me over to the fraud department. They tried to pull me up in XXXX XXXX and because they can't find any information about me since I did opt out because of an abuse which I also informed them proactively that I am at risk of physical harm, they locked my account and claimed that they couldn't verify my identity even though I did submit ID and perform XXXX time passcode and only for the reason that they couldn't pull me in XXXX XXXX. This act of Goldman Sachs  is XXXX  because it is well known in financial industry that you can request to opt out with XXXX XXXX for a reason the deem fit like abuse of if you are a well known individual and/or political. Due to me being an ordinary individual, my statement wasn't valued when it comes as to why I am not on XXXX XXXX. And also they didn't value the fact that I am an XXXX XXXX credit card holder which is also issued by Goldman Sachs and uses the same information.
Product: Checking or savings account

On XXXX. Made a wire transfer to XXXX XXXX address XXXX XXXX XXXX XXXX. 
Bank Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$8000.00} from Chase Manhattan Bank checking account in the amount of {$8000.00}. 
Within XXXX minutes of the transaction, called to recall the wire from Chase Bank as the beneficiary said the account was closed. 
The bank said the transaction was completed and can not be recalled. 
This is fraud. It is impossible that Chase already transferred the fund to an international account right away. 
Now a case was opened. XXXX and Chase claimed the money was at the XXXX XXXX and refused the recall transaction and kept the money.

Please refund {$8000.00} back to the account.

This is a fraud.
Product: Checking or savings account

Capital one has been unable to deposity my payroll check, or any deposits into my account since XXXX XXXX XXXX At the time of writing, they have not deposited my money, or made any attempts to help any other customers affected by their outage.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My husband ( XXXX XXXX ) is having a problem closing his account with XXXX  ( a high yield savings account with Sterling National Bank ). He called them this Tuesday ( XX/XX/XXXX ) to formally request an account closure and full ACH transfer of the account contents. Today ( XX/XX/XXXX ), they told us the the request have been neglected. We need this money ( for a downpayment ) and they are unwilling to compromise and expedite this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union, XXXX  and XXXX  is reporting inaccurate and inconsistent on my credit report. I have disputed these items several times due to the inaccuracies on my credit report. Trans union, XXXX  and XXXX  Re-aged the date of last activity. Under FCRA section 605 ( C ) running of the period it is a violation to re-age the date of last activity
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 under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

We recently sold our home and the XXXX mortgage company has yet to provide a closing statement. The proceeds are being in held in escrow without any communication. 

Myself along with my attorney called the company several times along with sending communications. 

The closing was scheduled for XX/XX/19 and was pushed out many times thereafter. The closing was finally held on XX/XX/19. 

The name of the company is Statebridge Company XXXX.