23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

No assistance has been offered to avoid foreclosure during this COVID pandemic. 
I received a notice of foreclosure dated XX/XX/2021 from their attorney on XX/XX/2021. I contacted the attorney to verify debt and they will send out information to confirm debt. I then contacted the Company on XX/XX/XXXX via email, they responded to my email requesting on XX/XX/2021, my phone number. I sent the information on XX/XX/XXXX and I have not heard anything from mortgage company. On XX/XX/2021, I spoke to someone from the company 's collection department and she stated she would call me back to see if payment arrangements would be acceptable. As of this date, I have not heard from the company 's collection or loss mitigation departments to assist me in avoiding foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX Balance : {$130.00} ; XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXX XXXX, GA XXXX ; XXXX GEORGIA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX WY XXXX, XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Theres a XXXX XXXX account on my credit report that has been open fraudulently. I am a victim of identity theft. And this negative account is preventing me from purchasing a home.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/year>, I attempted to purchase three items from two parties on XXXX XXXX. Specifically, I attempted to purchase two items on two separate purchases from XXXX XXXXXXXX for {$120.00} each item, totaling {$250.00} and I attempted to purchase one item from XXXX XXXX for {$120.00}. I paid the parties with XXXX through my Bank of America account. These two parties scammed me and never sent my items. 

I filed a fraud/scam complaint with Bank of America and requested a charge reversal or a refund. I also asked Bank of America if they could provide the parties ' true information so I could file a police report which Bank of America declined to do. I later received a letter dated XX/XX/year> from Bank of America denying my claim for the fraud/scam.
Product: Credit reporting or other personal consumer reports

XXXX has on my credit report an XXXX XXXXXXXX XXXX account for {$XXXX} the original creditor is unknown and the creditor contact is unavailable. there also is an account for XXXX XXXX XXXX for {$XXXX}. original creditor is unknown and the creditor contact is unavailable. i requested that said accounts be removed from my credit profile as there is no way for me to contest the validity of said accounts absent the original creditor information. XXXX has refused to remove said accounts from my credit profile for reasons unbeknown to me. XXXX also reports an account from XXXX for {$XXXX}, XXXX. I voluntarily surrender the vehicle following a no-fault accident and at the time of surrender the vehicle was insured. I notified XXXX that the vehicle was paid off by insurance but XXXX continues to report said account on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion via phone call in XXXX XXXX, 2017 to have them remove INACCURATE information that was reporting from 3 companies, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX, and inaccurate addresses and phone numbers also. The customer service rep I spoke with was very nice and pleasant, and went through each line on my credit report. She said she was making the changes as we spoke, and that I would received an updated/corrected credit report within 30 days. I was ecstatic, as I have been trying for so long going back and forth via mail and online disputes to get this corrected, so when the customer service rep informed me that it would be taken care of, I was happy she was able to assist me, as I am going through the home buying process as a first time home buyer and the inaccurate information was bringing down my credit score. well, today, I received a credit report from transunion, and could not believe that NOTHING was done. The report states that the accounts were verified, and all the inaccurate addresses and phone numbers the customer service rep and I went through were still there! very upsetting. I am requesting that these items be deleted from my credit report asap, and my address and phone numbers be updated. I appreciate your assistance very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, 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 anywayXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX 2016 I made my bank payment to my mortgage company freedom mortgage I called to see if they have received my payment and they told me that even though I had sent it in if it 's not registered they were going to mark me late I went to XXXX and got a loan for my car so that I can make a wire transfer to them that same day they sent me a letter saying they had received my payment but they still mark me late the XXXX credit bureaus after sending them my information and asking them to remove that from my credit they refused to do it I have lost the opportunity to refinance my house and my credit score went down I got into debt with XXXX because of this I want my credit cleaned and {$10000.00} back payment
Product: Student loan

Sent via email to XXXX on XX/XX/2020 at XXXX XXXX, my post discharge monitoring form. I want to make sure that it is processed and also need to confirm what year that I am in for the monitoring period. 

I have attached a copy of the completed form to this complaint.
Product: Checking or savings account

I have several issues I need to address with Bank of America and if I need to individualize my complaints I will do so. I will outline them as follows : In early XXXX Bank of America closed all of my associated accounts. 
This included a money market merrill lynch account, personal checking, business checking, personal credit cards, and business credits cards. 

I was not given a reason why my accounts were closed and the bank would not work wit me on an explanation or reinstate my accounts. 
My first request would be to reopen my accounts. 

My 2nd request would be receive the points I earned as a statement credit. I accrued XXXX~ points ( equivalent to {$440.00} ) when redeemed as a statement credit to the bank of america premium rewards personal card. I contact bank of america in XXXX and in XXXX to redeem these points, they told me this was not possible but they could mail me a check, I have not received a check for these points. The conversation I had with the bank of america representative who implicitly guaranteed I would be receiving a check for the amount of the points at XXXX cent per point ( {$440.00} ). A screenshot of my account with the points is included in this claim. 

My 3rd request is for the {$1000.00} offer I am due as part of opening the XXXX XXXX account, I met all requirements and confirmed with a XXXX XXXX chat agent on XXXX XX/XX/XXXX that I would receive the {$1000.00} bonus on XX/XX/XXXX, however my accounts were closed and the bonus never posted. I have attached a screenshot of that conversation.
Product: Debt collection

On XXXX XXXX XXXX XXXX  I received a call from a debt collector alerting me that I'm grossly overdue for a personal loan I took back in XX/XX/XXXX. The financial institution is XXXX XXXX XXXX Based out of Minnesota. While I used to live in the state I was living in Alaska at the time the Loan was pulled. The Way I'm Affiliated with XXXX XXXX XXXX is they used to finance XXXX of my vehicles, a XXXX XXXX XXXX. This auto loan was paid off by a bank called XXXX XXXX XXXX in XXXX put into action by XXXX XXXX XXXX Alaska when I traded my truck in. XXXX XXXX XXXX XXXX paid this pay off by XXXX XXXX The suspect pulled a XXXX $ line of credit through XXXX in my name and immediately made a cash advance of XXXX $ in to XXXX XXXX  saving account. Suspect used this money to pay utility and credit card bills. The address attached to this activity is XXXX XXXX XXXX, XXXX, MN, XXXX. I am in no way shape or form associated with this address. This loan went to collections in XX/XX/XXXX. Now being XX/XX/XXXX not a single payment has been made. The debt collector was looking for a payment from me in the amount of XXXX XXXX The reason this isn't an even XXXX $ is because XXXX garnished my account an took the over payment that was sitting in my savings account. Upon further investigation I've found XXXX different hard inquiry and lines of credit on my credit report that do not match my activity. The debt collector that called me if from a company called Triverity. Since XXXX of XXXX my credit score has dropped XXXX point. I need help asap to freeze my credit.
Product: Student loan

I initially submitted my documents for XXXX in XXXX. I called in the interim ( wait time of over XXXX minutes ) and at that time was given no information other than they had not reached my application ( this was around XXXX ). I was notified in late XXXX that additional information was needed and could be uploaded to the website. Which I did within a weeks time. I've called since ( early XXXX ) and was on hold for almost XXXX hours and had to get off because I had an appointment. I am afraid that my account will be transferred to XXXX and the work and effort I put in with Fedloan will start all over again. I do not want this outcome. I want an updated account of where I am as I've had a number of years of XXXX XXXXXXXX XXXX that was never counted by Fedloan.
Product: Bank account or service

An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX XXXX in XXXX XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XXXX XXXX to the tenth of 2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at Venue Driver as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX Attorney General 's office, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund. TD Bank recently replied again denying further inquiry into dispute, did not provide any new information as they have nothing to show any email received by myself. The information they have shown thus far is merely an email was supposedly sent but not received with item or product. Again, I wish to reiterate I was not in XXXX to attend any such event and would not purchase tickets for something I can not go to. Please do not mark this as duplicate, there is additional information contained.
Product: Credit card or prepaid card

Sams Club Synchrony never received credit card was billed for card never received also information about bill sent to credit bureaus! 
Have tried for months to resolve with no results called today XXXX XXXX was cut off while speaking with customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has continued to report inaccurate information on my report. I have dispute for a year and now hired a law firm. They send generated messages FTCA verified which is a lie because I have NEVER received signed documents or original, or any paperwork for that matter that is required to prove my federal law. I have requested help from them, PROOF and nothing but generic responses. 

XXXX XXXX XXXX  & XXXX XXXX cards were stolen from me. I have sent requested fraud reports 3 times to collections companies and they say they dont get it. Its a run around game and I am now seeking legal help. I have not received anything from them but lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter with return receipt to Transunion on XX/XX/2020 about an account in collections that I did not recognize and asked them to remove it from my credit report because it is unknown to me. I have never done business with this company ; I never signed a contract with this company. As of XX/XX/2020, I have not received a response from Transunion regarding my letter. Transunion had 30 business days plus an additional 15 business days because of the pandemic to investigate this and it has been well over this time. Additionally, this unknown accounts status was never updated as in dispute. According to FCRA section 623 ( a ) ( 4 ) [ 1681s-2 ] If a consumer reporting agency is notified that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Transunion has had more than enough time to investigate and not only have they not deleted this account from my credit report, but they have also failed to respond in the required time allotted.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of XXXX, I reached out to PayPal requesting that my personal information, as well as that of my business be erased as neither of these accounts have not been active since XXXX. Given that PayPal is in fact headquartered in California, does business in the state of California in excess of {$25.00} million annually, and has the personal information of at least 50,000 consumers, the provisions and protections afforded to consumers under the California Consumer Privacy Act do apply. 
I received a response from PayPal informing me that it was company policy to hold personal information for a period of 10 years, and that my information would not be deleted as a result, a clear violation of state law. They cited exceptions under the law, none of which apply to this old account or my particular situation as justification. They suggested that I close my account, but that the information would be retained even if I do so. 
This is about as clear a violation under the laws of my state as there could possibly be. Federal regulators have the authority over financial services companies, and PayPal is no exception. I ask that the consumer financial protection bureau investigate and take appropriate action to ensure all my personal information for both my personal and business accounts are erased in compliance with California state law. This includes my name, banking information, social security number, transaction history, banking information, credit card information, address details, emails address, password information, IP addresses, device information, and other personal information held by PayPal. I would also request that PayPal close both my personal and business accounts, as they are no longer and active and have not been since XXXX. 
Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accts should be deleted ... 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 ...
Product: Debt collection

Letter to an address dated XXXX XXXX, 2020 that is to be confidential due to XXXX notifying of the data breach as well as because if being victim of crime. I already reported XXXX XXXX XXXX now XXXX previously XXXX via FTC as well as CFPB. Now im reporting Weltman, Weinberg & Reis Co., LPA. I wrote then stating I'm unemployed that my data was breached and debt not mine when I was at XXXX XXXX XXXX also noted that had my house not been robbed of XXXX and id received the money that I reported which that company is to request video surveillance from police car at XXXX XXXX where I stated I was robbed. I'm already part of the XXXX lawsuit from the data breach and reported to XXXX XXXX and XXXX and some of them still didn't correct and has my last name as XXXX and I repeatedly wrote them of error. I've setup something to stop data breaches and apparently XXXX XXXX is in training on Cybersecurity which is all over the Department of Justice site which ive also written.
Product: Debt collection

I have disputed several times with multiple Credit Reporting Agencies the claims of this company. I have requested proof of validation containing my original signed contract, thereby verify ownership. As of today, XX/XX/2022 I have not received such documents, however said company persist on reporting falsely on my credit report, detrimentally damaging my identity and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/2022
Product: Credit card

In XXXX 2015, I did my online banking as usual for a Chase credit card - Southwest Visa. The due date was on a Sunday, and the bank did not log the payment on that day, but charged me a late fee. I was not aware of this, since I sent my payment on time. But the next month 's payment was more because of this illegal late charge. So even though I paid on time in XXXX, Chase again assessed a late charge. I saw an email alert and called them. After we figured out what happened, they refunded a portion of the late fees, and promised to refund all if I made an extra payment right away. I did that, but when I called, they refused to refund the remaining late fee. So for no fault of my own, Chase charged me XXXX late fees, refunded a portion, but still kept {$35.00}. I have heard of many people having similar problems w Chase, and I have to think there is a patter of deceit by this bank ( never mind on the large scale, but even in small ways Chase finds a way to rip people off ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax I am writing to you to dispute the accuracy of the credit information on my credit report, which was recently sent to me. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify, through the physical verification of the original signature contract, any and all accounts that you post on a credit report. Failure to comply with this requirement could result in fraudulent accounts being added to the credit report, which could negatively affect my ability to obtain credit. 

Therefore, I am requesting that you provide me with verifiable proof ( an original Consumer Contract with my Signature on it ) for all accounts that you have listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, and under the FCRA, unverified accounts must be removed. If you are unable to provide me with a copy of verifiable proof, you must remove the following accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that you add a Promotional Suppression to my credit file and remove all accounts that are not METRO 2 COMPLIANCE.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ). I am keeping a careful record of your actions, including Method of Verification, and I DO NOT CONSENT TO e-Oscar or any means of automated verification. Be advised that the description of the procedure used to determine the accuracy and completeness of information is hereby requested as well, to be provided within 5 days of the completion of your re-investigation.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : Defamation Negligent Enrollment of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please send an updated copy of my credit report to the above address. According to the FCRA, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

My contact information is as follows : XXXX Finally, please be aware that depending upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the following organizations : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : XXXX XXXX  XXXX CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of consumer complaints Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX