23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of 2010 I realized I would need to let my home go ( located at : XXXX XXXX XXXX XXXX ; XXXX, WA XXXX ) At that time I began seeking advice on what to do. I was told to protect myself I should file bankruptsy which I began the paperwork for and filed in XXXX 2010. I notified everyone concerned that I was doing so and completely emptied the house by the end of XXXX, again notifying them they could take immediate possession of the home, please note that I worked very hard to leave the home in good shape where someone could move in immediately with the exception that the furnace had gone out and was unable to be repaired and needed replaced. For about a year they sent me notices of past due and I would call and tell them the house was vacant I had filed bankruptsy and they would say they would take care of it. Then it stopped for a while and I began getting notices from the Carrington Mortgage Services that they were insuring the house under my name and it appeared the cost was also being somehow listed under me? Again I called them after many attempts finally got a live person who said they would take care of it. They began sending me requests for my tax ID ( SS number ) so they could issue me a document that appeared to be the amount they were losing on the house, again I told them I had filed bankruptsy. I recently received yet another communication stating they would report me to the IRS if I did not supply that information. I sent them a letter back along with my bankruptsy discharge and papers showing the home was included. It took a month to get back the receipt and it came with a letter now stating that I owe {$7600.00} for delinquent payments between my first notification I was vacating the home in XXXX 2010 and when I had formally filed the bankruptsy documents with the court in XXXX ... at least I think that is what it is. The attorney that handled my case assured me that I had done everything I needed to do to protect myself. I am feeling very much like I am being harassed, I take care of my adult daughter with a XXXX and XXXX XXXX year old granddaughters and still work full time. I am hoping someone can help me in getting this all to stop. I appreciate anything you can do or direction for me to go in trying to resolve this once and for all. 
Thank you - Sincerely, XXXX XXXX
Product: Mortgage

My mortgage was transfered to Truist Bank for servicing on XX/XX/2021. Was notified all mortgage payments had to be made to new servicer Truist Bank. My payment is principal and interest only as I had opted out from escrowing my taxes and insurance when I refinance with the original lender. In XXXX of 2021 my insurance was going to renew so I decided to shop around as the premium was going to increase. As I shopped around my insurance lapse for a few days as was trying to get a better quote from new insurance company. During this period Truist Bank sent letter to provide proof of insurance coverage otherwise they would force place escrow insurance. I finally was able to find a reasonable quote from insurance company after few days later and sent proof of coverage. After the incident Truist decide to charge for the gap in coverage and I thought the problem was over. I later received letter that Truist will now force place escrow payment and my monthly payment would increase. I have tried several times calling to explain why it happened and have them remove the force placed escrow account but per their explanation that the only way I can remove is to refinance.
Product: Mortgage

Ive requested 21st Mortgage provide me with all documents pertaining to the estate of XXXX XXXX XXXX several times Ive even had the probate judge issue a motion to the to provide all these documents. They refuse to provide me with the necessary documentation to reconcile this account for probate. They are beyond difficult and should be fined for disobeying the court system regarding this probate. I am the sole beneficiary, personal representative, executor, I am XXXX XXXX XXXX now. 

The previous complaint that you closed without resolving anything they sent you copies of things they have NOT SENT TO ME. Even if they did it doesnt resolve the issues I need resolved. The documents they attached is what XXXX sent DORA 21st mortgage did not. 

I have no idea who insures the home if I call home first for a policy Im told to call 21st mortgage who is listed on declarations pages as agent but XXXX answered DORA with a different policy than was sent to me by 21st mortgage. Their pyramid scheme of tipping people off is similar to this. 
XXXX XXXX - who wont talk to me XXXX - who sent a different policy to DORA than what 21st mortgage  sent to me. 
XXXX XXXX XXXX - who cuts the checks 21st Mortgage - who controls them all but remains evasive and passes the buck back to XXXX XXXX who cant send an inspector that knows his foot from his hand. And theyve all refused to do this correctly. 

21st mortgage is defying a court order to provide me with all the mortgage documentation and it needs to be done. 

Do not close this complaint because they attach something Ive never received they are thieves and will lie as quick as they will look at you.
Product: Debt collection

I have been receiving calls and also a letter from Sea 's and Associates. I have never stepped foot in a XXXX fitness location anywhere. XXXX fitness advertisements states {$10.00} per month no contract. They had a XXXX cent promotion going and I decided to sign-up, a personal trainer contacted me via text message and schedule did not fit my schedule so I declined. I used a pre-paid card luckily because I never even went to the gym. However, I really need the phone calls to stop about the $ 90+ that I do not owe!!!
Product: Checking or savings account

Chime opened an account under my name using my particulars but did not check my credit report or verify my identify. This meant anyone who had access to my data via a breach could open an account fraudulently. Chime, and its similar competitors, refuse to participate in the XXXX XXXX  or even run identities against credit reports. Had it done so, it would have noticed my credit reports were frozen to prevent new accounts from being opened in my name. 
The phone number and address used are not even associated with me. The only relevant detail was my email, which thankfully a confirmation was sent to me alerting me that an account was opened. 
Currently, there is no mechanism to prevent this fraud for being perpetrated again since all it takes is for a person to have access to one 's biodata. I asked Chime to place an alert on my name so that another account would not be opened in the same fashion but they could not provide me a guarantee since they do not have a fraud process in place. 
They also could not guarantee that no transactions were made and no other banks were associated to the fraud account in writing.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. 
They violate my right I ask them to not to call me and they keep calling me 5/10 times a day. I register my number to do not call list and they still call me while XXXXm sleeping or Im working. 
I want a compensation because they violate my right.
Product: Debt collection

On my credit report, XXXX hospital has now made the same debt show up twice on my credit. The amount is XXXX. They had an account opened against me in XX/XX/2018, now as XXXX XXXX,  there is another report for the same debt and same hospital.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I began the dispute process with the credit agencies transunion, XXXX and XXXX for accounts I had paid in settlement. I uploaded the documents into the dispute process along with a statement explaining the accounts were settled. The credit agencies refused to conduct an investigation and placed on my report with XXXX to XXXX hours that they conducted investigations, and my information remained the same with the exception that they credit agencies added/updated additional wrongful information which caused my credit scored to drop at least XXXX to XXXX additional points. I file another dispute and provide documentation with each agency and within XXXX to XXXX hours the investigations were completed again with more wrongful information added which lowered my scores even more. I called each credit agency and spoke with specialist ( XXXX, XXXX, ID : XXXX ), and I was informed that it doesn't matter what information the consumers submit, they were not going to update the consumers credit report. I asked her what the purposes was for uploading information into the dispute process if you are not using it to update my credit file. She attempted to clean up her answer. I made multiple attempts to call XXXX and they have made it where you can't speak to a specialist. Everything is computer operated and it advise you that you can't speak to a specialist. Also, at the bottom of the report it gives you your case number, but you can't use it when you attempt to speak to a representative about your dispute process. All three credit reporting agencies has retaliated against me for inquiring about the update on my credit. Every day I get alerts where they have gone in and added information to my credit report where it continues to lower my scores despite the documentation I provided to them. I also reached out the XXXX XXXX XXXX XXXX and XXXX representatives and they all informed me that they did not provide any information to the credit agencies because my accounts were in consolidation. Although my accounts were settled in full, the credit agencies were in and listed them as collection accounts and charged off accounts.
Product: Credit reporting

Experian has yet to send a hard copy of my credit report to my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corporation silver triangle building* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX michigan XXXX contact # : XXXX XXXX XXXX www.creditacceptance.com on monday XX/XX/2014 i paid off LOAN.

i was enrolled in auto-pay for years almost guaranteeing their money each month. 
I ( PAID-OFF ) loan sooner then what was due, but this company put on my credit report negative discrepancies. 
I PAID OFF MY CAR LOAN, PAID MY CAR PAYMENT, EVERY MONTH
Product: Credit reporting or other personal consumer reports

XXXX name : EXPERIAN XXXX address : EXPERIAN XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CREDIT REPAIR CONSUMER LAWS : Based on, You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer according to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that a consumer does not initiate. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or XXXX, whichever is greater XXXX XXXX XXXX such number of punitive damages as the court may allow. 
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

Dear EXPERIAN, The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we have already involved and sent this letter to the Complaint portal for ( the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
Product: Checking or savings account

I was automatically sent a new Debit Card by the system since mine was expiring. However, Capital One 's system didn't put my Apartment Number, so it was lost/returned to sender. I called and when speaking to the agent, said they would be happy to send me another one. Cool stuff. 

However, when I authorized them to send me another one, they failed to mention that my current card would be terminated. After multiple phone calls and speaking to a supervisor, they could do nothing about the situation. 

This is an upheaval of my life. I am a XXXX XXXX XXXX who drives 10 hours a day Tuesday through Sunday from XXXX to XXXX, XXXX to XXXX on Mondays with an hour for lunch from XXXX to XXXX and I have to eat due to my XXXX XXXX XXXX and other medical problems I currently have. I rely on my debit card to get gas at any given times because of my job. Unfortunately carrying cash puts me at risk for bodily injury as it is never advised to carry cash as a XXXX XXXX unless absolutely necessary. XXXX does not ask us to ever carry cash. 

I could not access my money since it was after XXXX and I could not get gas or food that evening, as well as having to drop multiple shifts due to being unable to get gas, which hurt my metrics that allow me to keep Premier stats as a XXXX. I am now close to losing my position because of this. I was lucky enough to make it to the bank on Saturday right before they closed at XXXX XXXX. I have not had another opportunity to stop by the bank. 

Then I had to have someone do my grocery shopping for me since I have a very hard time being inside heavily crowded areas like super markets and malls due to XXXX XXXX with large crowds and currently working with my doctor about XXXX XXXX in my XXXX XXXX. So I can no longer do XXXX XXXX or XXXX without a card. God Bless having a good friend. 

The wait for my card, according to them, was 12 business days. Getting it Expedited would be 3, but it requires me to be here and they can not give a window beyond USPS ' hours of operation. Which is at any time of the working day. 

There are no cashless ATMs anywhere near me and I can not create a virtual card for my bank account when a checking/savings does not have an active card attached to it. Using my checking account to pay on my credit card to use it increases the amount of overall interest I pay through the year. This has cost me a lot of time and money for only having gone on since Friday XX/XX/XXXX. 

I have multiple bills that can not accept credit cards and require my debit card ( ie : My car note I pay Weekly every Tuesday on ). I also had a Monthly bill for the IRS to pay on my taxes, that I now can not pay and will have to find time to call them since there's been an hour hold time/callback when I tried calling them today ( Monday ). As well as my child support payments. 

If this company can not help me, please direct me to somebody who can.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX- Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX
Product: Checking or savings account

Hello, I cancelled a flight in XXXX for {$800.00} from Wells Fargo on XX/XX/2022 because I had purchased the wrong one. I received proof of refund by email but I was never refunded the money. I contacted their customer care to find out why I havent received my refund they told me refunds can take from 3 to 6 months. After that time passed I contacted their customer care again to find out they told me it is not refundable because I had to cancel the flight 24 hours in advance, but I cancelled the flight 9 days before. Then I went to the bank Wells Fargo on XX/XX/2022 to create a claim ( Case # XXXX ), the bank told me they were going to send me a letter or email for an update on the claim. A month passed and I called the bank and they told it has passed too much time to be able to make a claim and that the only thing I can do is try to settle with XXXX. They dont give me anymore answers about my refund but I have proof of all these events.
Product: Credit reporting or other personal consumer reports

Please review this complaint carefully, as it was not sent by mistake. My report appears to contain mixed information, and I have repeatedly come across accounts, transactions, and items that do not belong to me. This situation is very concerning and is causing me significant stress and anxiety.
Product: Credit card or prepaid card

8 charges 1. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX All are on my fathers charge card for makeup. He is XXXX years old. Citibank said they are unwilling to discuss anything further over the phone. All correspondence has to be in writing. They want us do contact the Executive Response Unit in XXXX XXXX SD. NOTHING WAS DISCUSSED OVER THE PHONE, NO ONE CONTACTED XXXX OR XXXX AS THEY STATED THEY WOULD DO. 

After 13.5 hours of trying to talk to Citibank over 5 days, they allowed the charges to go thru and have stated the charges will remain until they receive a letter in writing from a XXXX year old man that the charges are fraud. I pointed out that 2 of the charges were done while he was in XXXX, and all of them are out of state.