23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have tried to resolved this matter with the bank among other things. I offered to do a short pay off. I have submitted all documents necessary and asked for the bank to do an appraisal. I have requested the amount and copy of the appraisal and I have yet to receive this information as of date. The bank did not want to do a short pay off with no explanation. I also offered a deed in lieu. The bank ordered a title search on the property, and after approximately 4 years ( if memory serves me correctly ), I was told there is a lien on the property. The bank refuse to tell me who holds the lien. Therefore, I am unable to resolve the lien and turn the property over to the bank.

The lender has not cooperated and this process has been going on with the bank for over 11 years. This is the second foreclosure that the bank has initiated, first one was initiated in 2009.

I did not file for bankruptcy nor have I filed an answer to the complaint to delay the proceeding. I just do not want a foreclosure to be on my record and the bank continuously refuses to mitigate the problem. I am still open to raise money to satisfy the debt according to a current appraisal on an as is value or as an alternative surrender the property with a deed in lieu. I believe the bank may have a problem with standing and that is why there are continuing with the foreclosure. They lack standing and they are trying to acquire the title to the property through a foreclosure.
Product: Credit reporting or other personal consumer reports

Account Names : XXXX XXXX, XXXX XXXX XXXX. 

Regarding the accounts above XXXX, XXXX, and Equifax have violated my consumer rights. 
According to 18 USC 8, I do not owe any outstanding debt, and my consumer right to privacy has also been violated according to 15 USC 1681b ( 2 ). Furthermore, these consumer reporting agencies do not have permission to report anything without my written consent and by that, violate 15 USC 1681 ( 4 ). The stated consumer reporting agencies have failed to uphold the legal standard and have violated my rights as a consumer. 
I demand that XXXX, XXXX, and Equifax provide proof of my written consent to report. If such documentation can not be furnished, I demand that the accounts stated above be removed immediately.
Product: Money transfer, virtual currency, or money service

I was victim of a scam via XXXX XXXX XXXX XXXX platform which stole the money and did not invest money as promised. I am trying to resolve this via Coinbase since much of the funds were sent through this platform and digital currency claims to be transparent.
Product: Debt collection

I Was never served proper paperwork before judge let them win in money judgement. Never Receive garnishment paperwork to contest the garnishment. They never validated my debt to me.
Product: Debt collection

In XX/XX/2018 I canceled my cable and internet service with XXXX due my moving to an area that XXXX did not provide service for. Close to a month later I received a bill for XXXX dollars and XXXX cents. In early XX/XX/XXXX I spoke with a customer service rep and told her ( can not remember name ) that I was scheduling a payment. I scheduled the payment to come out mid XX/XX/XXXXand I  AUTHORISED XXXX to debit my checking account for the amount owed. On XX/XX/XXXX they finally debited the amount from my checking account. On XX/XX/XXXX a debt collector mailed a collection letter to me that arrived to my address on XXXX stating that XXXX has placed me for collections with them. The companies name is Easter Account System of Connecticut. I have no idea when I was actually placed for collections however I was told by a customer service rep that as long as I scheduled the payment I wouldn't be placed for collections.
Product: Debt or credit management

I started with Fortress XXXX XXXX to have my credit report fixed. They said they could set me up with a payment plan for their services. I was told I could cancel within a year if I wasnt satisfied. I signed a payment agreement XXXX. After close to a year I wasnt seeing much of a change or benefit to using the company so I canceled my membership XXXX before the year was up. However, I am still being charged for services I am no longer getting. When I asked why I was being charged still they neglected to respond. Saying, You're account is tag as cancelled, so we are no sending dispute letters anymore. The payments made to Fortress are considered tuition, so it's 100 % tax deductible or refundable depending on how you file your taxes. They claim it as an education program when they are a credit repair company. Come to find out the payment plan I was set up was through another company and I was told to take it up with XXXX XXXX. XXXX XXXX said take it up with Fortress. So now XXXX XXXX is still trying to collect for canceled services. Fortress is a bait & switch company. They get their money and when they fail to provide satisfactory service and you cancel, youre still left footing the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX  Account = XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX  XXXX Bankruptcy have violated my rights. 

15U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

My current mortgage servicer Select Portfolio Servicing Inc. ( SPS ) continues and refuses to provide me with proof of documentation regarding information related to an alleged principal balance of {$13000.00}. SPS states my previous servicer XXXX XXXX XXXX ( XXXX ) had placed that amount on my account upon transfer. SPS states this alleged principal balance was due to delinquencies resulting in default and that the amount was placed at the end of the maturity as an " interest sweep '' to bring the loan current. On XX/XX/XXXX, I agreed to pay a Mortgage Reinstatement Quote for the amount of {$42000.00} to prevent foreclosure. This amount was satisfied in full prior to the deadline of XXXX, XXXX, XXXX. There was never any mention of a deferred balance owed on the Mortgage Reinstatement Quote. SPS states this agreement to defer the alleged principal balance was a verbal agreement. I have requested proof of this documentation multiple times and they continue to tell me it will not be provided because it is considered privileged or proprietary information. SPS states the deferred principal balance must be paid at the end of the maturity date in one lump sum. I have made multiple attempts to request this proof of documentation and proof of the history of my loan account for review. They continue to state the alleged deferred balance is a separate issue from the Mortage Reinstatement Quote that was satisfied in full but they will not provide what is rightfully mine to review. I have attempted my requests through Appeal Letters, Qualified Witten Request,, Error of Resolution Notice and multiple verbal conversations with SPS representatives to include their unneutral SPS Ombudsman Department. I had previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX with attachments to review. SPS responded to the complaint but with no proof of the information requested. I have consulted with legal counsel and have been told SPS should have my entire file in their possession to provide me with any information requested regarding my loan. It is my right to request and not be told it has to be paid as stated by XXXX without the proof requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA ZIP XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

I have previously disputed the account in question on XXXX separate occasions, yet each investigation has resulted in the account being verified. Despite these verifications, I have not been provided with a detailed description of the investigation process, as required by law. 

Moreover, I have filed a complaint with the Federal Trade Commission ( FTC ) because this account only appears on my Equifax report and not on the reports from the other credit bureaus. This discrepancy raises serious concerns about the accuracy and reliability of the information being reported. 

This letter serves as a final warning. If my rights continue to be violated and I do not receive the required documentation and resolution, I will take further legal action to protect my consumer rights. 

Below are the details of the disputed account : Creditor Name : XXXX Account Number XXXX EQUIFAX
Product: Vehicle loan or lease

On XX/XX/2019 I received a copy of the Vehicle Inspection report from Chrysler Capital indicating that all 4 tires needed to be replaced at the astronomical price of {$170.00} per tire. I called and spoke to a representative on XX/XX/2019 trying to negotiate a fair price as I researched tires and found at least five brands all under {$100.00} per tire. I was told that there was nothing they can do to help and I asked to a supervisor who indicated she can knock off 25 % which is {$170.00}. I explained that it was not fair that the appraisal company gets to pick the price of the tires and when I asked XXXX what tires were put on the vehicle to replace the worn ones she indicated she couldn't tell me. The customer service rep told me that they called me and sent a letter advising me that I should get my own appraisal, i never received the call or letter. I would have purchased a cheaper tire on my own if that was the case and not left the price up to the hands of a third party vendor. The fee is Unfair and the process Deceptive ( UDAAP ) and like I told the representative, I am willing to pay a fair price. Why would I pay {$170.00} per tire when the only one benefiting from that exuberant fee is Chrysler Capital. They are not treating customer 's fairly at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I request for an investigation to be made to remove the following late payments from my credit report : XX/XX/XXXX XX/XX/XXXX XXXX
Product: Mortgage

I Refinanced my home in XX/XX/2020 and I obtained a loan through USBANK ( LOAN # XXXX ). At that time I had my property taxes & homeowners insurance added into an impound account. In XX/XX/2020 I called USBANK to notify them that I had paid my insurance out of my pocket. I asked them to remove the payment amount from my escrow that they are collecting on a monthly basis. USBANK required me to send in an email with all the verification to show. I did so on XX/XX/2020 and USBANK responded verifying that they received the email. In the email, they stated that they would review and correct the issue. I even sent a Certified mail request on XX/XX/2020 just as backup to my email.Since then I have called several times and spent hours on the phone with them trying to get USBNAK to stop collecting the Insurance payment amount. Every time I've called they state that they are working on it and it takes 7-10 business days to resolve. The problem is that it has been 60 days since my request in writing and 61 Business days since. I  would like to know why it's taking so long an where my money that they are collecting is going? Please help me resolve this issue. Thank you, XXXX XXXX XXXX XXXX USBANK ( LOAN # XXXX )
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, any erroneous accounts must be removed from my credit report. Could you please check the documents? There are inaccuracies in the reporting of some accounts, including wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX WENT TO CAR DEALERSHIP AND THE DEALERSHIP PUT MORE INQUIRIES THAT I DIDNT APPROVE, HARD INQUIRIES ON REPORT,
Product: Credit card or prepaid card

We received a debit card from Chrysler Capital ( managed by XXXX XXXX XXXX ) in regards to a vehicle we sold. It came as a debit card. We attempted to transfer it to our bank account and it showed pending. It went back to the card instead of transferring. We tried to use the card since we have made multiple attempts to contact them via phone and email to no avail but it comes back as expired ( We initiated the transfer prior to the card expiring ). When I log onto the account, the money is still there. 
We just want the money due us and we really are disappointed that we were sent a debit card as opposed to a check. We also we like to be able to speak to someone via XXXX XXXX to fix the issue. 
Please help.
Product: Credit card or prepaid card

Synchrony bank closing all of my credit accounts with no reason, never missed a payment or ever late, they sent me a letter stating that Activity on accounts with Synchrony Bank indicative of high risk of failure to pay. When I call them I get the run around or the letter says it all, but I dont understand, like I said previously never late, never missed a payment, this is also on my credit report as Closed by Grantor, will this be another negative on my credit? I think they owe me an explanation!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX - Balance : {$940.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$8300.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$8300.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$27000.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$27000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$27000.00} Account Name : XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$590.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$940.00} Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$940.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Submit Information to Transunion to have fraudely information removed from credit report they haven't remove these accounts as of XXXX XXXX.
Product: Checking or savings account

XXXX DBA XXXX XXXX initiated 4 ach transactions that werent authorized by me for over {$8500.00} in mortgage payments. Chase Bank allowed these consecutive ach transactions and has not communicated with me or any of its customers, and thousands Chase Bank customers have been affected. Im trying to work with my bank, Chase to reverse the charges. They too have no idea what happened and no security checks were in place by chase to stop this from happening. Chase essentially is saying too bad so sad, we have no clue what happens.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent XXXX XXXX which was opened XX/XX/XXXX - XXXX Auto Finance which was opened on XX/XX/XXXX - XXXX XXXX which was opened on XX/XX/XXXX - XXXX XXXX XXXX which was opened on XX/XX/XXXX - XXXX XXXX which was opened on XX/XX/XXXX - XXXX motors which was opened on XX/XX/XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I run my credit it appears that I have late payments. However, I do not have any late payments per my mortgage loan officer. She looked through my credit history and she said there is nothing late on my report. This is severely affecting my FICO in order to purchase a home. 

Please advise what I need to do to have this cleared up. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

i am a victim of identity theft on my credit file i have file police report and need these accounts deleted from my credit file
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # 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 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 reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I was advised that a collection which had been placed on my Experian credit report by XXXX XXXX XXXX would not be removed. That said, please be advised that the same alleged debt has been reported to your agency on each of the following occasions : Complaint numbers XXXX on XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) which was sent to the FTC on XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) Which was sent to the FTC on XX/XX/XXXX, XXXX on XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) which was sent to the FTC on XX/XX/XXXX. This collection activity in reference to XXXX XXXX XXXX XXXX XXXX XXXX has been deleted from my report on numerious occasions in the past by all three reporting agencies. XXXX  immediately removed this collection from their file upon being notified. Experian adamantly refuses to remove this item eventhough they've removed it withinin the past year.This item has previously been removed from my file as the afrementioned complaint numbers do substantiate. Therefore, I request your asistance regarding this matter. 

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

There is an account on my report that wasnt me I currently still have the service and dont currently owe them anything there was someone and I cant take responsibility for it