23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

i was given forbearance starting in may, going through XXXX. I was buying another house and opted out to be able to get the new loan. I paid {$5000.00} on XXXX XXXX to become current. As of XX/XX/07 Dovenmuehle, the processer for XXXX XXXX, has not applied the payments correctly. this is giving me an inaccurate payoff amount now that i am selling the original home that was in forbearance. I have discussed this with several representatives of both companies and no one is able to give me information on when this accounting process will be completed. I am trying to close on the sale XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and inquiries be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$860.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$200.00} XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2400.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$15000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2000.00} XXXX. XXXX XXXX, XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$5000.00} XXXX. XXXX XXXX, XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$920.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$3900.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$3900.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$220.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$300.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$520.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2600.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$610.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX NA - Date : XX/XX/XXXX XXXXXXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX BANK XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX IN - Date : XX/XX/XXXX XXXX. XXXX XXXX IN - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reluctantly failed to remove what appears on a credit report as the following : XXXX XXXX XXXX XXXX first, this item was for the recipient, not the payee, second, it is a violation of law to expose this information on credit reports, due to the information given in the report, someone who is not familiar with procedure in NY, may misinterpret the information and use it incorrectly for example, applying for employment.

A party named XXXX at your firm was reluctant to give his full name, I want an investigation at XXXX as to why I can not obtain employee ID potentially in case of pending litigation?

The order was a court order XXXX, if it is not removed due to privacy, I will be forced to open a case in a high court that will hear the case or to seek assistance with our Attorney General in NY.

Please have XXXX telephone the originator of the complaint immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I occasionally check my XXXX Score and found it suddenly dropped a few months ago. I recently checked my credit report and found two cases of apparent purchases, I suppose in my name, that were sent to collection. Neither of these are legitimate accounts. One for XXXX XXXX XXXX, which I have not had an account with since last century, and XXXX, which I never had an account with. 

I've tried to dispute these claims through Experian but have not had any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX equifax had a data breach and my info was one of the compromised ones. On there website it said everyone was notified about it and what to do, I was not! It wasn't until XX/XX/XXXX that I knew anything about it by coming across the breach on their website and using the checker they had on there. A whole 2 yrs later this is unacceptable no telling what has been done with my info! I want retribution and compensation from equifax for dropping the ball and just letting my information be out there and not notifying about it. No wonder I cant access my credit report from them online.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted consumer complaint letters to Equifax because of the inaccurate things on my credit report that we hurting my credit report. I then sent a 30 demand to comply on XX/XX/2020 and still didn't get a response from ANY bureau. I then uploaded complaints to the CFPB XX/XX/2020 in which I recently found that they ceased my investigation saying that " this is you ''. I don't understand. I XXXX XXXX have filed complaints with these bureau because they have failed to inform me of their investigation and it has been 3 months. This is violating consumer rights and laws.I am stressed. These accounts that are on my report and not right and are affecting my lively hood. Could someone please look into this for me. Please feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account Number : XXXX : XXXX Account XXXX XXXX XXXX  Account Number : XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account XXXX XXXX. Validate Account XXXX XXXXXXXX Account XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account Number : XXXX XXXX Account XXXX  Account XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am writing to file a complaint against TD Bank for their failure and denial to respond to my request for a correction on my credit report, regarding the way they have been reporting my business credit card information on my personal credit report. Despite repeated requests to stop this practice, I have noticed that you continue to report my business information on my personal credit report. This is causing serious damage to my personal credit rating and making it difficult for me to obtain credit or financing. Despite numerous attempts to resolve this issue with TD Bank, I have received no satisfactory response. 

XXXX XXXX XXXX  XXXX I have made multiple attempts to resolve this matter with TD, including emails, phone, and in person. However, I have received no resolution or acknowledgment of my concerns, all I have gotten is that they won't stop. 

I believe that TD Bank 's actions are in violation of several laws and regulations and are causing me significant financial harm and distress.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Portfolio Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Date : XX/XX/XXXX Re : Acct # Comenity Bank To Whom It May Concern : This letter is being sent to you in response to recent communication.This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. 

Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. 
In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In addition to this formal letter, Portfolio Recovery Services stated that they never received any dispute allegations on this noted account but they have been updating the account with and I quote Disputed by customer, customer disagrees since XXXX. Portfolio Recovery Services should not have to lie to prove that I am the intended party for this debt. There is no signature or any validation stating I was the party responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX  - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX  - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting a Bankruptcy on my account that they claim they validated through the courts. They have falsely verified this debt and completely unlawfully sent documents stating they investigated it. This is FALSE because I myself contacted the courts and they provided me with proof that they DO NOT SEND THEM ANY VALIDATION so why is EXPERIAN STILL REPORTING THIS *FIND ATTACHED*? 

Under the Fair Credit Reporting Act, this item may not appear on my credit report if it can not be supported by any documents or evidence. This account is inaccurate and in violation of Congress law according to US Code 15 Section 1692g. I do not validate this debt as the original creditor. Please remove immediately. Attached please find ALL my identifications and remove it. 

PLEASE STOP TELLING ME THERE IS AN " UNAUTHORIZED USER '' ON MY ACCOUNT THIS IS ME XXXX XXXX XXXX YOU CAN SEE ALL MY DOCUMENTS ATTACHED STOP SENDING THAT AUTOMATED EMAIL AND TAKE CARE OF THIS PROBLEM IMMEDIATLY. IVE SENT YOU NUMEROUS LETTERS AND YOU ARE NOT SOLVING THE PROBLEM.
Product: Credit card

I was trying to use my Wells Fargo credit card about a week ago and found I couldn't charge anything -- it was being declined for routine transactions I've been making for almost 12 years with the same card company/credit card account. I called to ask what the problem was and was told that there was a " problem with my account '' and had I not received a letter. I told them of course I had not received a letter. If I had received a letter I would not be trying to use the account that day. They agreed to send a " second letter '' and wouldn't tell me anything more on the phone even though they had fully verified my account.

I got the letter today and it said they were closing my account for one of a possible four or five different reasons, but not telling me which reason it was. They treated me like a new customer or a customer who had not been paying my account regularly for the past 12 years. I often go over my limit a little bit, but always pay off the overlimit amount within a few weeks.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as such, there are unauthorized inquiries on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that all the following inquiries be immediately blocked and deleted from my credit report. 
Unauthorized Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to express my concern regarding my funds being held by Square. my account got deactivated onXX/XX/XXXX, i got a mail from square that my funds totaling {$190000.00} has been inexplicably withheld for a period of 90 days, up to this moment my funds is still yet to be released which is causing significant financial strain and hindering my ability to conduct business effectively. 

Despite numerous attempts to resolve this issue through Square customer support channels, I have encountered nothing but frustration and delays. The lack of transparency regarding the reasons for withholding my funds only exacerbates the situation. 

I demand immediate action to release the entirety of my funds without further delay. Furthermore, I expect a thorough explanation for this unacceptable inconvenience, Failure to address this matter promptly will leave me with no choice but to seek legal recourse and escalate this complaint through appropriate channels. I trust that you understand the urgency of this situation and will act accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was frozen by the creditor and a statement of {$89.00} was still post on XX/XX/2017. I made several calls since then and talked to multiple account managers. The final decision was my account would be handed over to another department for review and close down. The creditor kept reporting delinquent account to XXXX   and XXXX  during that period. I couldn't access my account since it was frozen. There's nothing I can do with my account. It is extremely unfair to do this to me.
Product: Credit reporting or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, XXXX and TransUnion 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, U S DEPT OF EDXXXX, XXXX XXXX  XXXX / XXXX has violated my rights . XXXX Account # XXXX 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 a account without my written instructions
Product: Debt collection

A credit report shows a {$14000.00} debt from TDRCS/Yard Card , located at XXXX XXXX XXXX , XXXX, NJ XXXX, and I have been placed in collections. I have no knowledge of this debt, nor did I authorize it. I would like to dispute this and pursue legal action against those who may have stolen my information to apply for this loan.
Product: Debt collection

I did a debt validations and they fail to provide me with proof that I owe this debt
Product: Debt collection

I've sent a letter for validation back on XX/XX/XXXX. I've recieved no letter back in the mail. 

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Product: Mortgage

I started my refinance in XX/XX/XXXX. Chase said I was approved mid XXXX. The underwriters continue to request information, i.e. recent pay stubs. I have promptly given them EVERYTHING needed for this refinance. I have a great credit too. They have my current mortgage. By not closing on the loan, I am losing {$120.00} a month because my new rate is 2.65 % down from 3.75 %. I sent paystubs ( again ) a few days ago. Today, I am being asked why my income this time last year was more than this year. Seriously? I find Chase 's delay unfair, deceptive, and unneccesary. To me it seems, Chase is stalling me and just waiting for me to give in and not refinance so they can keep {$500.00} commitment payment and not give me the rate I was offered. I emailed Chase morgage lending executives and my service person 's boss on XX/XX/XXXX. No response. I spoke to the person who started the loan process and asked him for assistance also on XX/XX/XXXX. Nothing has changed. Chase underwriters continue to ask me for more documentationo. Do they have a legal obligation to close within a specific timeframe? I am at my wits end. And, I need guidance. Please assist. Thanks. Best, XXXX