23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX : Formal Dispute of Unauthorized Inquiries Due to Data Breach Request for Deletion Within 4 Days per FCRA Section 605B & Metro 2 Compliance To Whom It May Concern, I am disputing the unauthorized hard inquiries on my credit reports from Equifax, Experian, and TransUnion. Under FCRA Section 605B, I am requesting the immediate removal of these inquiries within four ( 4 ) business days due to fraud resulting from the Equifax data breach that exposed my personal information.

I did not authorize these inquiries, and they violate Metro 2 compliance and CDIA reporting standards.

Unauthorized Inquiries to Be Deleted : ( Full list of 78 inquiries from above. ) Additionally, my only legal name is XXXX XXXX XXXX, and my only current address that should be reporting is XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Please update my file accordingly. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have a payment plan set up with the debt holder. I was not notified that they debt was being transferred. I authorized the debt holder to automatically withdraw the agreed upon payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is coming up on all email that i send to my company about my personal bussiness.ss # XXXX XXXX XX/XX/1946 email XXXX XXXX bank account # XXXX please send my money to my bank account been trying XXXX send for XXXX please my money to my account.i had nothing to sell because was not approve by your robinhood Notice of Confidentiality : **This E-mail and any of its attachments may contain XXXX XXXX XXXX XXXX information, which is privileged, confidential, or subject to copyright belonging to the XXXX XXXX XXXX family of companies. This E-mail is intended solely for the use of the individual or entity to which it is addressed. If you are not the intended recipient of this E-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. If you have received this E-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout. Thank You. ** this ius coming up on all Email. this is good
Product: Debt collection

I recently found out about this problem with Midland Funding. i am very upset about this due to the fact that I was never served any legal paperwork, and due to this poor service they have a default judgement against me. I have been losing sleep over this problem, as they are wanting to steal {$12000.00} from me. I remember this XXXX XXXX debt was less than {$5000.00}, and the problem was XXXX  XXXX  tried to debit my account for {$11000.00} instead of {$1100.00} dollars that was agreed upon. When this happened my bank called me and informed me of this, so XXXX XXXX was blocked from withdrawing from my account. This caused me many problems. I have been trying to work with midland  but they are not very nice people, they are difficult to work with, aggressive and not cooperative. If I had money to hire an attorney to file a motion to vacate the judgement because I was never served, I would do just that. unfortunately the justice system is broken and since I have no monies, I can't obtain justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX are reporting incorrect information on my credit report in my personal profile.
Product: Credit reporting or other personal consumer reports

I recieve email from the 3 bureuas saying I'm using credit repair company to send out dispute letters for the negative accounts I have which is wrong. i'm the one who send out letters here 's the lists of accounts and inquiries I want or need to be deleted CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My Previous Complaint XXXX After sending XXXX XXXX XXXX XXXX and Equifax my XXXX twice they are refusing to let me verify my own identity. Equifax has acquired and are furnishing incorrect information and fraudulent data and fraudulent information participating in willful negligence which is stopping me from recovering from identity theft, barring me from financial products and hindering living arrangements due to keeping inaccurate and incorrect old, outdated information on my credit report file, this is my XXXX time trying to figure out how has my name, address, social gets changed without me ever knowing and then they not allow me to correct my own information, it's insane!
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The XXXXree credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

There was a Home Depot Promotional offer put on my account that I was not aware of until the end of XXXX. Talking to customer service they told me that when you make a purchase over XXXX you get XXXX interest for 6 to 24 months which I was not aware of. Paying more than the minimum payment to help pay off my debt I was told that interest would be applied to my account in XX/XX/XXXX from the promotion that I was not aware of then they extended to XXXX XXXXi send extra monies and they did applied it to there promotion that I was not aware of until I called and ask them why the monies was not being applied to my account they tried to making adjustment but only did it for XXXX not XXXX.Started auto pay too off set the payments so i could get these promotion pay off and separate the monies i was sending to Home depot they take off auto payments and did the same thing again not applying the monies to the promotion. now i will be hit with a XXXX in interest on XX/XX/XXXX that i have already paid if the would of applied the extra monies to there promotion in XXXX and XXXX now they say they can not go back one year and make adjustments. I have all my statement showing the extra money being send.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-OFF : XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Debt collection

National Credit System reported that i owed them {$2300.00} for something i never borrowed from them. 

Per 15 U.S.C 1681b ( Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter )., information on my report is supposed to be accurate.

Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. 

( c ) The bond must be in the amount of {$10000.00}.
Product: Checking or savings account

I open a Citi Basic Checking account on XX/XX/XXXX, and deposit {$25.00} as init fund. Then I deposit {$10000.00} to finish their new account opening bonus. The ACH transfer is success from my XXXX  XXXX XXXX side. However, a few days later, I could not access my online Citi account. Later on XX/XX/XXXX, I got a email from Citi bank and they closed my account and they will send the funds to me by check in 60 days. This is totally unreasonable to me : 1. I legally transfer {$10000.00} to finish their account opening bonus but they closed my account 2. The speed that the return my {$10000.00} funds is way too slow, they should send the money back to me immediately. 3. I might be relocating to another city in a few month,. 4. They unlawfully hold my money and don't return it to me. I LOST MY JOB and I am very poor and I don't have money to buy food and add gasoline. So, I demand my funds back immediately!!!
Product: Mortgage

I was approached though repeated phone calls for almost a year to refinance my home from Fifth Third Bank. I was initially offered a " special '' refinance product that would quickly and easily drop a percentage point from our present loan with them. After collecting information I was presented with a " better '' option to refinance both my primary and secondary mortgage with substantial savings. I did pursue this option. After signing " loan lock-in '' forms, the time expired. There was no delay in the process on my part, but on the part of Fifth Third bank. I was sent another " loan lock-in '' form post expiration of the initial forms. This new agreement had percentage points and other costs added, which would have amounted to thousands of dollars of added costs for the loan. The interest rate had not changed though and no contact or explanation was given as to the added costs. I believe that most people would not have noticed the added costs seemingly hidden or buried in the paperwork. My opinion is that Fifth Third bank preys on unsuspecting borrowers using tactics such as " bait and switch '' and " shell game '' tactics to entice borrowers, then increasing loan points and costs to the borrower without explanation. This seems to me a dishonest business practice. My wife and I have walked away from borrowing from Fifth Third for the reasons stated. I feel their practice may prey on less educated and other at risk borrowers. The public should be protected from such practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with my mail being send to out dated addresses. I finally pulled my credit report and found information that doesn't even belong to me on my report. please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX My current and only address should be XXXX XXXX XXXX, XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts that have appeared on my credit report. After recently reviewing my credit report, I identified the following accounts that were opened without my authorization and are negatively impacting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and credit reporting agencies are required to investigate disputes within 30 days. Since these accounts were opened fraudulently, they should not be reflected on my report. The FCRA mandates that credit reporting agencies must delete or correct any inaccurate, incomplete, or unverifiable information within the specified timeframe. 

Additionally, under the Identity Theft and Assumption Deterrence Act, it is illegal for anyone to use another persons identity for fraudulent purposes. This federal protection also grants me the right to request the removal of fraudulent information from my credit file.

Therefore, I request the following actions be taken immediately : Removal of all fraudulent accounts from my credit report.

Correction of any negative impact these accounts have had on my credit score.

A written confirmation that the fraudulent accounts have been removed or corrected in compliance with federal regulations. 
Please consider this my formal request under the Fair Credit Reporting Act, and I expect an investigation and response to be completed within 30 days as mandated by law. I am also prepared to provide additional documentation if necessary to support my claim. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these fraudulent accounts have been removed and that my credit report has been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss  mitigation program my mortgage company XXXX XXXX COVID-19 related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) XXXX  it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing COVID-19 related hardship. For purposes of this paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option. ( 2 ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option. ( XXXX ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( 2 ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are reporting fraudulently opened accounts under my name and are tarnishing my credit report. The first account is XXXX XXXX XXXX which was opened fraudulently on XX/XX/XXXX. The Second fraudulently opened account is XXXX XXXX  opened on XX/XX/XXXX and the third fraudulent account opened without my consent or permission is XXXX XXXX XXXX opened on XX/XX/XXXX.
Product: Mortgage

BSi financial one again has done an incorrect escrow analysis that has raised my mortgage payment by XXXX dollars I sent them a qualified written request with a copy of my tax bills and insurance. I also called them and explained the mistake but after 2 months they have not yet corrected this. They have called me several times and I have explained this several times to several different BSI employees each time they have promised to fix this problem yet they continue to call me and send me outrageous bills.I have been sending my regular payment in each month but they are not applied to my balance.this is the same problem we had last year and it was not fixed until we filed a complaint with the consumer financial protection bureau. This is a simple and obvious problem and at this point I feel I am being harassed by this company to the point that I am considering refinancing with a different company. I am also concerned about what they have put on my credit report. I have had this mortgage for 3 years other problems I have had with them my homeowners insurance was not paid on time and my taxes were not paid on time but they fixed these promptly after I notified them. Bottom line is this company has been a nightmare I ca n't imagine dealing with this company for 27 more years they should be finned for this kind of incompetence they should pay my closing costs for a mortgage with a reputable company.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you find that any of the accounts in this dispute are deemed frivilious or previously investigated as your letter to me on XX/XX/20 states please advise me as to HOW, and to WHOM you verified this information with, as I have my own contacts for these creditors and will verify that you did in fact send them a request for investigation. 

XXXX XXXX # XXXX. The date opened incorrect, correct it or delete this account. 
The account history is incorrect, correct it or delete this account.The address for this creditor is incorrect, correct it or delete this account. The status is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. 
XXXX XXXX # XXXX. The address ID # is incorrect, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. The status is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. 
XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The status is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. 
XXXX XXXX XXXX $ XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. Terms is incorrect, correct it or delete. 
XXXX XXXX XXXX $ XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. Terms is incorrect, correct it or delete. 
XXXX XXXX XXXX $ XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. Terms is incorrect, correct it or delete. 
XXXX XXXX XXXX $ XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. Terms is incorrect, correct it or delete. 
XXXX XXXX # XXXX. The date opened incorrect, correct it or delete this account. The address ID # is incorrect, correct or delete this account. 
The address for this creditor is incorrect, correct it or delete this account. The status is incorrect, correct it or delete this account. 
XXXX XXXX # XXXX The date opened incorrect, correct it or delete this account. 
The address for this creditor is incorrect, correct it or delete this account. The status is incorrect, correct it or delete this account. Terms is incorrect, correct it or delete it. 
XXXX XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. The status is incorrect, correct it or delete this account. The address ID # is incorrect, correct or delete this account. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. Terms is incorrect, correct it or delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION DID NOT ADDRESS THE ORIGINAL COMPLAINT AND COMPLETELY IGNORED MY REQUEST TO REMOVE THE XXXX XXXX ACCOUNT FROM MY CREDIT REPORT ; TRANS UNION HAS NOT PROVIDED ME WITH THE DOCUMENTATION FROM THE ORIGINAL CREDITOR AND HAS NOT PROVIDED ME WITH ANY PROOF OF THE ACCOUNT BEING A CHARGE OFF. i HAVE NOT RECEIVED ANY PROOF OF SAME. I AM ENTITLED TO SEE THE DOCUMENTS AND I NEED THIS ACCOUNT REMOVED IMMEDIATELY,
Product: Vehicle loan or lease

We had car loan with Santander XXXX XXXX since XXXX XXXX. 
On XX/XX/XXXX loan account was totaly paid and closed. 
Loan we paid from XXXX XXXX bank account by auto payee. {$600.00} monthly. 
After the loan account was closed still 3 times autopayee went through : XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$600.00} We called to XXXX XXXX bank. They filled up the claim and denied next day because they don't see any issues there. Money went to Santander loan account. Then we call to Santander- they don't see money in our loan account because it's closed. No more loan. Where is money? Where they dissappear?