23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband, and I, would like to make a claim for our new property in XXXX XXXXXXXX XXXX for a {$1600.00} mortgage payment we were not suppose have to pay. We closed on XX/XX/year> at the closing agents office, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX. The last mortgage payment from the sellers during the closing process was not secured appropriately. Our first payment on our assumable mortgage was due XX/XX/XXXX. Because the sellers check did not go through with Flagstar Mortgage, ( we were told because it bounced ), we were harassed by the mortgage company at the beginning of XXXX for late payment, penalties, and late fees. This is because of the Flagstar Mortgage Company. We were inundated the month of XXXX with letters calls and emails to pay for a month we did not owe by the mortgage company. I brought it to multiple people at Flagstar, and their Assumption Department, the realtors and closing teams attention. Flagstar did absolutely nothing until I made multiple calls and more emails. Flagstar said in an email they finally received another check from the sellers. Yet, we were not giving a refund. Again, our first payment for the loan XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  When I made our ( the buyers ) XXXX payment, it was applied to the XXXX payment without our permission. We called Flagstar about this issue, and they told us its not their problem. We then had to pay for XXXX payment ( so we had a double payment in XXXX ) We have called and/or emailed the issue multiple times for the past three months with our real estate agent, the sellers agent, the closing agents/title opinion from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, yet nothing has been done. 
XXXX Now we signed mortgage documents after 4 months from XXXX to XX/XX/XXXX, and the payment was supposed to be XXXX. It went up to {$1900.00} with no warning. I called. They said it was insurance related. Our home owners insurance was {$3200.00} dollars. I got different insurance, Geiko- {$2200.00}, and made sure they received all of the information. Then they asked for a check. I sent Flagstar {$3200.00} on top of getting cheaper insurance of {$2200.00}. Now they want {$2000.00} for next month. The mortgage payment should have gone done by at least {$300.00} a month, not up. 

They owe XXXX {$1600.00} for the month of XXXX, and they owe us for taking to much out for mortgage payments with no documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Name Removal Option XXXX XXXX XXXX XXXX, XXXX XXXX Re : Fraudulent Credit Inquiry To Whom It May Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXXXXXX XXXX XXXX ( auto ) XXXX XXXX XXXXXXXX XXXX XXXX ( auto ) XXXX XXXX -XXXX  XXXX ( bank ). XXXX XXXX XXXX XXXX ( finance ). XXXX XXXX -XXXX  XXXX ( finance ) XXXX XXXX XXXX XXXX XXXX finance ). XXXX XXXX -XXXX  XXXX ( finance ). XXXX XXXX XXXX ( bank XXXX. XXXX XXXX -XXXX ( bank XXXX. XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

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

XX/XX/2017 All listed below are the rest of the agencies that ran a credit report without my authorization from XXXX XXXX XXXX. One agency was able to prove that another person was using my Social Security number. Other agencies I have contacted have resolved this matter except these agencies listed below.

Huntington National XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no clue about these agencies and sure enough never got a letter from these places to why they are on my credit report. All dates leads back to XXXX XXXX XXXX ran on the same day.
Product: Credit reporting or other personal consumer reports

Experian claims they are unable to read the dispute I submission through the CFPB portal, complaint, ID number XXXX so I am re-submitting the information
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXX  XXXX XXXX {$270.00} XXXX  XXXX XXXX {$570.00} XXXX XXXX {$0.00}
Product: Debt collection

The account were charged off/closed but I never received a 1099 for the account. American credit acceptance, reported on XX/XX/scrub>XXXX XXXX XXXX  the charge off but no paperwork of the charge off was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some inquiries passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date XXXX XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

Recent credit report from XXXX showed that I have an item in collections for {$2500.00} with I.C. System, Inc. representing XXXX XXXX. With an address from Georgia. 
I have never lived in Georgia and I have never had a XXXX XXXX account. This is an error with my name associated with it. I contacted I.C. Systems and they said nothing they could do and it is as reported from XXXX XXXX. 
Filed dispute with XXXX which showed this error and they said it was correct and would remain until 2028. I said I have never had a past due debt in 40 years of credit card use and have always paid all by bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX an XXXX Company shared my information with XXXX XXXX  without my authorization or consent which led to me being denied credit my privacy was violated by XXXX XXXX and it's inaccurate credit reporting because I also have no knowledge of the Auto loan with XXXX XXXX  I never gave permission for any of my personal information to be shared with anyone and my information has been shared with third parties more than twice it's a violation by federal law I have the right to fair credit reporting and right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with Santander back in XX/XX/XXXX, the vehicle was repossessed. In my credit report show, multiple entries cuz the account was sold to XXXX. I am eligible for restitution in the Santander class action. Send letters to the credit bureau and Santander and XXXX but didn't get any response from them. Negative reports are hurting me. Please help me follow up on them, and please have them remove the negative reports abt the auto loan. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed my identification and utility bill and social security card to XXXX on XX/XX/XXXX. I get these alerts from my credit monitoring services please see attached. The fraud department guy I spoke to had updated my address and assured me that it wouldnt change again but I knew it would. He said the mixed files were fixed he saw in the notes. So why am I getting these alerts? I just simply want answers.
Product: Debt collection

Account Name : I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Product: Checking or savings account

I did a bank transfer from my XXXX XXXX to my discover bank account ending in XXXX on XXXX XXXX for {$20000.00}. Discover closed my account randomly no explanation. Will not give me access to my funds and refuses to explain the reason for the closure. Said a check will be mailed out on legitimate funds that came from my check which come from my employer. I need my XXXX back thats in my savings
Product: Debt collection

XX/XX/2019 debt of ( {$830.00} ) placed with a company known as XXXX XXXX XXXX. Ive never done business with this company and have disputed information such as this in the past on my credit report that came as a result of a merged files and/or identity theft. Other than my credit report, Ive never heard of this company prior to checking my report recently.
Product: Checking or savings account

Purchased sample XXXX products. The next month ( XXXX ) I was charged {$89.00} and {$89.00} for products that were not received. Notified Regions bank that they were not authorized transactions. The bank said they would file a dispute. Tried to contact the company charging my account but could not find out who they were or a phone number or email address. Now it happened again in XXXX. Same amounts. Regions bank customer service now states that there is no dispute filed on the XXXX transactions and that they can't do any thing about the unauthorized transactions.
Product: Bank account or service

On XX/XX/2016, I began my annual XXXX shopping. I started by going to a Key Bank ATM and withdrawing {$400.00}, then went to a department store where I purchased slightly under {$200.00} worth of merchandise using my debit/ATM card. Following the same pattern I use nearly every year, I then went to a discount big box store and selected a couple of items, as well as XXXX gift cards worth {$300.00} each. Although I have done this every year for the past XXXX to XXXX years, using either the same debit card or a Key Bank credit card, the debit card was declined with the message that I should contact the issuing bank. I had more then XXXX times the amount of the charge in my account. I completed the purchase using my Key Bank credit card without any difficulty. 

When I returned home and called the issuing bank, using the customer service number on the back of the card, the automated system refused to recognize that such a card existed. Not only had Key Bank declined the purchase ; it had effectively canceled the card entirely, so much so that I was not permitted to talk to customer service. 

When I finally received a voice mail message from the fraud department of Key Bank, the message said to call back and gave me a reference number. I made the call, only to discover that the fraud department does not take calls and that the reference number was of no use to the customer service department to which the call was automatically forwarded. In other words, Key Bank had constructed a system which prevented me from using my own funds, completely blocked the card I had just used twice successfully, gave me a fake reference number and forced me to deal with someone who could provide only formulaic responses to my questions. 

The claim the customer service department made was that the purchase was blocked because it was an " unusual '' transaction. That was not true. As noted, I make the same kind of purchase every year using Key Bank cards, so Key Bank had the information it needed to know that the purchase was quite normal. In fact, it approved the credit card purchase, despite the fact that I use the credit card almost exclusively for online purchases, which this was not. Nor have I received any communication from the Key Bank fraud department about the credit card purchase, even after the fact. 

In addition, the customer service department informed me that my daily limit on the debit card is {$10000.00}. That is patently untrue ; it is inconceivable that one could make sufficient purchases to equal that amount when any large purchase is denied. 

In sum, Key Bank has constructed a system which denies me access to my own funds at the time I need those funds. The bank seems to believe that it has more right to my money than I do.
Product: Checking or savings account

My payroll company sent my weekly paycheck to my Capital One bank as a direct deposit on XX/XX/XXXX. However, by XXXX XXXX. that evening, it had not been credited to my account. I received an email at XXXX XXXXXXXX stating there was a system-wide issue and that the problem should be resolved by the following morning. Upon reviewing my bank account on XX/XX/XXXX, I found that the funds had not been credited to my account. I called two times but was unable to reach anyone. I went to their XXXX XXXX and there is a post reiterating the exact verbiage stated in the email. It is XXXX XXXX on XX/XX/XXXX, and I have not received any credits. The bank is closed on Monday due to the holiday. Therefore, this will not be resolved until next week. The financial impact is additional fees to my auto loan since I can not pay, and two outstanding bills will get rejected since the funds are not in my account.
Product: Debt collection

I received a letter or garnishment served on my employer for an old account. They have been garnishing my check ever since. XX/XX/XXXX the last payment was taken from my check showing the garnishment was paid in full. Monday XX/XX/XXXX the same company emptied my checking & savings account of {$720.00}. I called and couldn't get anyone to talk to me. So I went thru the provider line and got someone that way. I explained what happened she said that her records indicate I still owe them {$200.00}. She said she would have an attorney look at it and let me know. But they are not responsible because they haven't received the last payment yet.
Product: Money transfer, virtual currency, or money service

My account XXXX There's {$150.00} in it.I need to withdraw money. My account has been more than 180 days since the last payment, but there are still some restrictions that prevent me from withdrawing money.When I withdraw my money Tip : Sorry, something is wrong. Please try again later. Please help me deal with it, thank you!
Product: Debt collection

I have a medical debt with XXXX VA medical center. I make regular payments per our agreement. I don't know where this debt came from.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need this information to be deleted because it is affecting me and it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$600.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have no contract with this agency, i am not liable for this debt nor do i have any knowledge of it, agency cant provide me with the original contract
Product: Debt collection

midland credit XXXX XXXX XXXX XXXX XXXXXXXX i requested a debt validation letter 2 times from this company and i never received a letter only got more aggressive calls
Product: Money transfer, virtual currency, or money service

i received payment of {$2400.00} total from few colleagues of mine on XXXX XXXX on my venmo account, i was able to transfer the payment to my bank account but about 30 min later i received a message saying my account was frozen that i need to upload some of my document which i did but my money got moved out of that venmo account but it was not reflecting because venmo froze the transaction and the money.after uploading my document i was expecting my account to be unfrozen and my bank transfer of {$2400.00} gone through to my account but nothing was showing and my venmo account still frozen and i try reaching them but nobody was answering me.
Product: Vehicle loan or lease

Cant recall properly as it has been a long time, missed a payment as I lost my job and we had a child so wife could not go to work. Asked for extension or re finance. Instead when I woke up one morning the vehicle was towed by the bank. First thought it got stolen then after a long stress full day found out it got towed. So not only had to pay the current months also had to pay the next months payment as well as tow company. Did not had enough money as it was around {$1500.00} so had to take a payday loan that charges around 300 % APR. It was really worst time of my life.
Product: Debt collection

My XXXX account was hacked and some charges were made onto the account creating a negative balance. I mailed a payment on XX/XX/XXXX to the payment account address in XXXX. On XX/XX/XXXX the check I sent in was cashed for {$1000.00}. To date they have yet to apply the payment to my balance and sent it to ACI solutions collection agency. I have about 20 calls back and forth, numerous messages on their online chat system and even tried their XXXX page. No one seems to care or want to assist me. I will not pay this balance twice.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and I am personally submitting this request to report that they failed to investigate the inaccuracy of the report. Despite the passage of time, I have yet to receive any response from Equifax, prompting me to seek your assistance. Despite numerous prior written requests, the unverified items listed below persist on my credit report, which is in violation of Federal Law. Their actions reflect negligence and failed to investigate the items. 

I am well aware that, under the Fair Credit Reporting Act, they are obligated to provide evidence, documentation, and clear, accurate responses within the specified statutory time frame. Failing to do so obliges them to remove erroneous and unverified account. Their unfavorable and unacceptable actions have had a detrimental impact on my credit scores. Please find below the items that are concerns to me : XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX {$560.00} Charge Off XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX {$0.00} Charge Off XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX {$0.00} Charge Off XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX {$0.00} Charge OfF XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX {$0.00} Charge Off XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX {$0.00} Charge Off XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX {$0.00} Charge Off XXXX XXXXXXXX Open Date XX/XX/XXXX {$0.00} Charge Off XXXX XXXXXXXX Open Date XX/XX/XXXX {$0.00} Charge Off XXXX XXXX Open Date XXXX XXXX, XXXX {$0.00} Charge Off Public Records Bankruptcy XXXX  XXXX XXXX Date Filed XX/XX/XXXX INQUIRIES INCLUDED IN DISPUTE NOT TIED UP TO POSITIVE ACCOUNTS XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX