23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was sold in XXXXXXXX XXXX XXXXXXXX. I have a lot of loans and not sure if I was properly notified. All of my loans are on auto pay from day one since it is a requirement from the lender I use. The auto draft has always been transferred to new servicer in the past for all of the loans that have been sold so I don't pay attention to my mortgage statements. When I received a statement from Faye Servicing last week, I opened it thinking it might have been a tax document. I saw that I was behind 3 months. I quickly registered for an online account and pay but it stated I was in default and needed to call in. 

When I called on the morning of XX/XX/XXXX I told the rep I need to pay the full amount. She then advised me that I had to pay the full amount plus daily default fees. I asked her if I could pay what i owed and if she could see if the lender would waive the fees. If not I could pay the fees then. She said no. She said she could file something with the investor but it could take up to 2 weeks. I asked her if she could try to do a rush so I would't get more default fees while we wait and she said no. I got started to get irate and I asked to speak with a manager and she said no and that the manager was just going to tell me the same thing. I kept pressing the issue and she finally said she would check. She came back on the phone and advised the manager would have to call me back. 

I didn't not get a call back until XX/XX/XXXX from the manager. I explained to her the situation and she said she wished I would have paid that day because they foreclosed on me the very next day. I asked why it took so long for her to call back. I was never told I was going to get foreclosed on and assumed I had time to see if they would waive the fees. Apparently they have been calling the wrong number on file so I was never called. She basically said there was nothing they could do and that mail is supersedes all other forms of communication and that calls area courtesy. She said they must have not received a form to continue the auto draft from the other servicer which is why this happened and could only try to get a reinstatement fee and that was not guaranteed the lender would accept it but it would only be a few XXXX dollars. I spoke to the previous servicer XXXX and they said they sent them everything including the auto draft continuation. 

As you can see on the reinstate invoice I had to pay {$1200.00} in daily default fees and foreclosure fees of {$3200.00} which is way more than the manager stated. I have wired the funds as of today XX/XX/XXXX because I actually care about paying my bills on time and credit. I believe XXXX mortgage failed to input my data correctly, including phone number and auto draft, and screwed me in having to pay these additional fees.
Product: Mortgage

On XX/XX/XXXX I called the Wells Fargo 800 line to get information to get information on how to make a large principal payment to my mortgage in the amount of {$310000.00}. I was provided wiring instructions. The funds were revived by Wells Fargo on XX/XX/XXXX. Instead of applying it to the principal loan amount, they applied {$59000.00} towards regular monthly payments from XX/XX/XXXX through XX/XX/XXXX. Also, an amount of {$13000.00} was applied towards the XX/XX/XXXX and XX/XX/XXXX payments. The remaining {$230000.00} was applied to the principal balance. I wasn't told to indicate on the wire that the funds were to go to the principal and not to a year 's worth of payments. I formally requested that Wells Fargo go back and credit me for interest I shouldn't have been charged had they applied the payment to principal which has formally been denied. My complaint is that Wells Fargo should have better controls in place or contacted me if there was a question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries and inaccurate account information
Product: Credit reporting or other personal consumer reports

I asked for statements from when the account was first opened but I still have not received them. I have only received statements with a balance previous balance of {$6200.00} and beyond from XX/XX/2018. Where are the statements prior to XX/XX/2018 and beyond?
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  : XXXXhas violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for XXXX XXXX XXXX XXXX-XXXX which are XXXX on XXXX, and XXXX on Transunion and XXXX but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of this bankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.
Product: Debt collection

Company called job and stated her name at front desk. She was transferred to me.. She then asked her to not call me at my work. She stated she will continue to call.
Product: Credit reporting or other personal consumer reports

This account was opened on the following deta : XX/XX/XXXX there are no on time payment from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payment XX/XX/XXXX to XX/XX/XXXX this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - TRANSUNION By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.
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 XXXX 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 need to be investigated and remove 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
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report.
Product: Credit reporting or other personal consumer reports

You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and XXXX lead to legal action. I expect prompt confirmation of this correction.
Product: Mortgage

Fell behind in payments due to medical issues. I was told by Greentree Financial ( now Diatech ) that I qualified for a loan modification. I submitted the tools needed for the loan modification and was denied because I did n't have a conventional loan. I was told to pay {$4100.00} by XXXX XXXX, 2015 by XXXX different people. When I called XXXX XXXX to make the payment over the phone, they told me that I had to pay {$11000.00} plus attorney fees because it is in foreclosure.
Product: Debt collection

In XX/XX/2017 I obtained a XXXX XXXX/XXXX XXXX credit card, I bought a sweater for {$20.00} with such a credit card and mistakenly thought that I make the payment when finally realized my mistake it was to late and the account was already in collections, I was told that because the delay I will have to pay almost three times more of the original debt, I start to make the payments but unfortunately when I was in my last payment of approximately {$20.00} I lost my job and fall in a financial hardship. When I finally was able to recuperate from my situation I contact Second Round ( the colector ) just to find out that they want me to pay {$380.00} from the original {$20.00} witch I already pay approximately {$40.00} I understand i couldn't complete my original settlement but i come across a really hard situation and {$380.00} for an originally {$20.00} debt it seems unfair
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable ad unprotected. Furthermore, their dispute resolution process was unfair and decpetive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and finamcial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time tje transactions were authorized. However, due to delayed posting or charges and credits, i was unfairly charged overdraft fees. 
These issues appears consistent with recent findings by CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

I only found out I owed a debt because of my credit dropping drastically. When I called the company number provided by the credit bureau, the representative did not tell me any info about what this alleged debt was for or when it occurred. The rep gave me a XXXX XXXX XXXX address that was apparently used to get credit or open an account in my name, and I told them this was fraud likely because of the XXXX  data breach I was affected by. I was told I would be sent a fraud packet but was given no timeline for this and have not received it. When I tried calling again I was placed on hold for XXXX minutes and was not able to speak to a representative to follow up. Meanwhile, my perfect credit score has dropped by XXXX points and I cant get a representative to communicate with me or update me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with Experian in regards, to addresses on my consumer report that do not belong to me. It states that I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX Experian has XXXX of the same addresses on file for me which I have never resided at. Experian has lead me to believe every investigation they have done is unfair and improper. Per consumer law experian is in violation of consumer law 15 U.S. Code 1681e ( b )
Product: Credit reporting

Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX XXXX XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thanks, you
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$1700.00} or my account was charged off {$1700.00} ]. COLLECTION # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ] XXXX XXXX. # XXXX  which you claim, I owe [ {$1000.00} or my account was charged off {$1000.00} ] This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted documentation in the form of Affidavit of Truth, Cease & Desist along with an invoice citing numerous violations under FDCPA pursuant to 15 USC 1692g ( b ) amongst other consumer law violations by Comenity/Victoria 's Secret as they are reporting information on my consumer files. In return I received a notice back from Comenity/Victoria 's Secret around XX/XX/2021 in in the mail. On the notice it appears the credit card account ending number isn't even the same as what was on the other documents received. Comenity/Victoria 's Secret advised that they sold this alleged debt to collection agency ( XXXX XXXX XXXX XXXX XXXX After reaching back out to XXXX XXXX XXXX and providing documentation on how my Consumer rights were violated and receiving a notice in the mail from them advising that somehow after reviewing their records as again as they stated had already did initially when I sent them a validation request and it wasn't provided. They ( XXXX XXXX XXXX ) sent a notice in the mail around XX/XX/2021 stating the current balance is {$0.00}, the account was closed and collections have ceased. XXXX XXXX XXXX also advised that they are not the ones furnishing the account information on my Consumer files.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX amount {$86.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Pa XXXX amount {$6100.00} XXXXLvnv funding llc C/o resurgent capital lc XXXX XXXX XXXXXXXX XXXX SC XXXX amount {$650.00} XXXXLvnv funding llc C/o resurgent capital lc XXXX XXXX XXXXXXXX XXXX sc XXXX amount {$730.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX amount {$100.00}