23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Statebridge, Re : Property Address XXXX XXXX XXXX XXXX, Florida XXXX Loan Account # XXXX Attached please find the XX/XX/2016 NOTICE OF ASSIGNMENT SALE AND TRANSFER OF SERVICING RIGHTS letter from Statebridge Company LLC. 

AS XXXX XXXX HAS NO RECORD OF LOAN ACCOUNT # XXXX IN THERE SYSTEM PLEASE ADVISE THE STATUS OF LOAN ACCOUNT # XXXX. 

ATTACHED IS THE XXXX TO XXXX LOAN PURCHASE AGREEMENT AND LOAN SCHEDULE FOR LOAN ACCOUNT # XXXX. 

PLEASE NOTE THERE IS NO LOAN ACCOUNT # XXXX NOTED ON THE XXXX LOAN SCHEDULE. 

WHAT IS THE STATUS OF LOAN ACCOUNT # XXXX? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

This Company is portraying to be the property management/ maintenance provider for the condo complex I live in.

4 plus years Ive been submitting maintenance requests which I was charged higher condo fees on my app. Page for and I was never notified 4 months ago my condo fee went up again. 
When I call this Company to make a Mai thence request they tell me they do not maintain any maintenance at the property I live at. When I do call this number nobody is aware of any property maintenance crew. 
My fees go up and I seem to never be aware by email, by a postal letter, etc. 

They claim to maintain the property but there is no maintenance crew for this property.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/31, I was contacted by someone impersonating XXXX regarding suspicious activity on my account. The caller ID showed up as XXXX. They said XXXX XXXX had been purchased and that in order to refund my money, I needed to verify refund codes they provided me in XXXX. I verified the numbers in XXXX, but tried to tell them that it looked like payments had been taken out instead of refunds, and they continued to tell me that since TD Bank was a partner bank, this was how it was done. Four transactions in the amount of approximately {$120.00}, {$1000.00}, {$900.00} and {$1000.00} ultimately were taken. When I got off the phone with them, I immediately called TD Bank and went into the local branch right away. The TD Bank representative only called customer service but didn't do anything else. So I also called TD Bank Fraud department, and that agent put my account on hold, said that only the first 2 of the 4 transactions went through and that since he froze my account that the latter 2 transactions would not go through. This Fraud agent also opened an investigation for the first 2 transactions, and said that I needed to open a new account and this current frozen account would close in 30 days. He also said I needed to wipe my XXXX  clean in case of viruses/malware, which I did. The next dayXXXX XXXX, XXXX, I went back into TD Bank where the XXXX XXXX opened a new account for me. On Saturday, XXXX I filed a report with FTC. On Sunday, XXXX, I went in to TD Bank again because I was unable to have online access to the new account, and to confirm that the latter 2 fraudulent transactions had not been processed. But the branch representative told me the transactions did indeed show up on my statement and that I needed to open a dispute with the Fraud department. So I called TD Bank Fraud ( because again, the local branch representative said he couldn't help me ) and opened a dispute. The Fraud agent looked into my account and saw that there was a dispute for the first 2 transactions and that this first dispute had been denied. This was strange since it was the weekend and only 2 days later, how did anyone get an investigation done that quickly? First thing on XXXX  XXXX, I filed a police report with my local police department, tried contacting XXXX but they redirected me to TD Bank saying that they were a partner bank and therefore process information differently and since XXXX is instant, there's likely nothing that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an XXXX XXXX showing on my credit report that doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a {$500.00} deposit to lease  XXXX  cars from  XXXX   XXXX   XXXX  on  XXXX   XXXX   XXXX ,  XXXX , NY. on Saturday  XXXX   XXXX ,  2017 . On Saturday I was told by the salesman that I was approved and asked when would I like to pick up the cars. I even test drove  XXXX  of the cars on Sunday and was reassured that we were all good.     On Monday I received a frantic call from th e Business manager, sa ying I was not approved for tier  XXXX  credit but he did get me approved at a slightly higher payment and a bit more out or pocket. That night when I went home I learned from my credit report service that my credit was ran   XXXX   times between  XXXX  and  XXXX  through many different lenders. I then called and asked why they ran my credit so many times and the business manager said he has been " doing this 40 years and if he had to call me to get my approval before he contacted each bank he would be out of business ''. I immediately cancelled my deal as I would never want to do business with anyone like this.     Bottom line, I never authorized them to run my credit and certainly not 9 times through multiple banks and I was never asked or informed along the way. Furthermore, they were very arrogant and said this is the " way they get deals done ''. I am strongly considering a refinancing of a home equity loan and these  XXXX  inquiries will hurt me in obtaining credit at a reasonable rate.     In my view this is no different than what happened at  XXXX   XXXX  with the opening of unauthorized accounts. My credit report was ran 9 times without my authority and this is a violation of all fair business principles.
Product: Checking or savings account

I applied for an Associated Bank Balanced Checking account on XX/XX/2020 and signed up under a {$170.00} promotional offer. The requirements of the promotional offer were to make three payments using Associated Bank Online Bill Pay OR have at least one direct deposit of {$300.00} or more within 45 days of account opening. The promotion terms also stated that the bonus amount would be deposited into the account within 75 days of account opening after meeting the qualifications I successfully made three separately bill payments on XX/XX/2020. It has now been more than 75 days ( which would have been XX/XX/2020 ) and as of today 's date ( XX/XX/2020 ) I still have not received the {$170.00} promotional bonus amount in my checking account. 

I have utilized the online chat function and called the customer service phone number to inquire on the status of this with Associated Bank, and I have been given no concrete answer as to why my bonus has not been deposited into my account and the representatives I speak to keep telling me that they do not have any information for me. 

I find this unacceptable as a customer, considering that I signed up for the checking account under the promotion, I successfully fulfilled the requirements of the promotion, and now the bonus has still not been paid out to me in the time frame that was stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete 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 XXXXXXXX XXXX XXXX Balance {$25000.00} Equifax : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$25000.00} 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 Balance {$25000.00}
Product: Mortgage

My mom bought this mobile home we stay in around XXXX of XXXX payed XXXX down. The house she ordered was in process of being built, for what ever reason they brought out the present home where in now with the cheapest everything saying the house she want would cost more after buying. This present home we are in had embalming fluid warnings, my mom had XXXX and died from XXXX XX/XX/XXXX. The company XXXX XXXXXXXX XXXX, Tx and XXXX XXXX XXXX, Tx and 21st Mortgage out of XXXX, TN. XXXX called me nearly every day for 3 months about house payments and offered me XXXX to just walk away from the loan my mom had. This house wasn't even anchored down right failing inspection. I feel like they're responsible for my mom 's death knowing her XXXX with embalming crud.
Product: Debt collection

There is an unknown collection being reported by ERC XXXX. I am unaware of this company and have not been notified and/or informed as to what this collection is in relation to. I have no knowledge of any outstanding debt with ERC XXXX and have received no verification of any accounts for which I allegedly owe.
Product: Checking or savings account

XX/XX/XXXX a XXXX event was attempted to be purchased for {$79.00} but was defective. Product was not playable/visible. 

Attempted XXXX more times to play/watch the XXXX XXXX XXXX XXXX  but kept getting charged {$79.00} after previously paying for item. 

XXXX was charged 3 times total. Neither purchase was working. Reaching out for a charge back on all XXXX charges. XXXX have been refunded but bank and/or XXXX is XXXX XXXX. 

Please assist.
Product: Mortgage

I set up automatic payments with my new mortgage company, and they withdrew double amounts and penalized me with overdrafts, return payments from other automatic debits, and are charging me for a returned check and missed payment now. This loan started with XXXX XXXX, was sold to XXXX XXXX, and now Mr. Cooperand in over a a years time frame, this is the first time I have had a mortgage payment issue. I called the company and they told me it was their mistake but they couldnt refund me, and that I would have to send them an email and a fax with the written description of what I wanted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has Incorrect personal XXXX is showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am XXXX that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 

Remove Names XXXX XXXX, XXXX XXXX XXXX XXXX Remove Names And addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX It has been over 30 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies
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. The XXXX credit bureaus did not do a proper investigation. And a violation of 15 U.S.C 1681U for neglect and I request that the CFPB investigate this matter and take appropriate action to remedy this violation. Additionally, I would like a detailed response regarding the findings of your investigation and the steps taken to resolve this issue. 

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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Transunion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  scammed me into sending money for investment Money sent thru XXXX and XXXX and XXXX XXXX  from XXXX to XXXX No delivery on promise and no return on investment and no refund Main fraud XXXX  account is XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft as a result of the recent XXXX data breach, and now have negatively impacting accounts on my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

Equifax is reporting information that is said to be excluded from my Consumer Report that involves information as to transactions or experiences between myself and a creditor, see 15 U.S.C 1681 ( a ) ( 2 ). This complaint is against Equifax for failing to properly investigate my disputes regarding inaccuracies in my consumer/credit report. Despite my submissions, Equifax consistently respond immediately stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal Law and provide consumers with the necessary proof of investigations. Problem account is XXXX XXXX on my consumer/credit report with Equifax.
Product: Mortgage

I have had this problem several times with Specialized Loan Services LLC. It seems that they are intentionally posting my payments late. I mail my payments after the XXXX of each month when my Social Security income is deposited in my bank account. My utilities and all other payments clear the bank on time, but Specialized Loan is seeming to be holding the payments until the next month is due. This time, they held my XXXX payment until the XXXX was due, so they put the XXXX payment on XXXX, thus saying my XXXX payment had not been paid. I called the company, spoke with someone, and this is what they tell me. They now say that I am two months due ; XXXX, and XXXX, when only XXXX should be due. From the statements, I am to mail payments to XXXX XXXX XXXX XXXX XXXX of XXXX, CA XXXX. However, I get a statement from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. It seems that Specialized Loan is intentionally doing this. This is placing stress on me mentally, physically, and financially. About 6 months ago, I had to pay {$380.00} something dollars to them because of what they say I owe when they are wrong. I can not afford to send them money that is not due. I am a XXXX year old single female who lives alone only on Social Security. Plus I have a XXXX XXXX for which there is not a cure. PLEASE HELP ME. I make copies of all checks, statements, and payments. I have talked with them, mailed letters, to no avail. PLEASE HELP ME. I am not sending a two month payment because it is not due. Only XXXX is due on XXXX the XXXX, and late by the XXXX, but they wait 30 days to say they haven't received payment when I know that I mailed the payment. 
I have checked my bank, and the checks would not have cleared, because Specialized Loan is holding payments. I also XXXX  remarks of some of their clients, and they are having the same problem. Please Help me. -- -- XXXX XXXX XXXX