23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I've been having HELOC with Wells Fargo since I first bought my place in XXXX. I refinanced the HELOC with them again in XXXX. When XXXX XXXX county ordered the shutdown of non-essential businesses in mid XXXX of this year, I didn't know what was going to happen. All I knew was I had to temporarily close XXXX XXXX. I didn't know how long it was going to go on. So I asked Wells Fargo for help with the HELOC. They agreed to help so that I didn't have to pay for 3 months. During that time I've applied for PPP and other business grants that I planed to use to reopen XXXX XXXX in the HELOC account. In XXXX, when XXXX XXXX was not yet allowed to reopen and the 3-month period was ending, I called Wells Fargo again for help. They told me that the account will be restricted during this non-payment period and if I wanted to resume my account I had to just give them a call and start the normal payment and it would be resumed. 

But when the situation started to get better, I expected XXXX XXXX   would be allowed to reopen soon. I contacted Wells Fargo ( late  XXXX XXXX ) to resume payment and using the account to reopen XXXX XXXX. I was told that I would not have access to the money I put in the account during the non-payment. In order for me to have the access again, I would have to go through the underwriting process. There was never mention of me having to go through the underwriting process. Had I known that I would not have put all the money meant for reopening XXXX XXXX in this account. I would have done something else. I knew fully well that I would not qualify if I had to go through the underwriting process since XXXX XXXX was/is still new and we still have negative cash flow. I tried to contact the bank by going one of their branches. The person at the branch helped me open the ticket to their resolution team. At first I was told that it would be resolved by XX/XX/XXXX. Then I heard nothing from them. I called the person assigned to me at their resolution center but never got a hold of him nor did he ever called back. I got another letter saying they needed more time and it would be resolved by XX/XX/XXXX. On XX/XX/XXXX, I still hadn't heard anything. So, I called again and spoke to another person. She took my contact information and had another representative call me back. When this new representative call me back, he told me that there was no guarantee that I would be able to access the money that I had put in ( {$99000.00} ) that I had planned to use to reopen XXXX XXXX. He said that even they didn't mention about the underwriting process, it was my fault to assume/misunderstanding. He said he would talk to his supervisor and would try to help me. But I feel like they are putting me around in circle. They didn't tell me that I had to go through the underwriting process. I was not fully informed and it is not fair. I need the money to pay my people now that my business is allowed to reopen.
Product: Debt collection

The credit bureau reinserted a invalidated debt without a reinsertion notice back onto my Credit Report. 
The collection agency Receivable Performance never responded to my 609 letters I mailed out on XX/XX/2020 and they failed to send me out a debt validation letter also.
Product: Prepaid card

Was issued a Visa Prepaid Card. Original Balance {$100.00}. There is currently a remaining balance of {$31.00} on the card. 

The card says in large bold letters " FUNDS DO NOT EXPIRE. '' Reasonably, a consumer would expect that the funds don't expire. In fact this is not the case. When I called to request a replacement card ( since my debit card is past the expiration date ) they told me the funds are forfeit and not to even bother trying to talk to a support representative as they would not be able to help me.
Product: Debt collection

I have been contacted several times by National Credit Systems about debt to XXXX XXXX apartments for a debt I do not owe. I have been threatened several times via phone and have one recording of such. The threats include damage to my credit and making sure I would never get " another '' lease again, although I wouldn't need to ever have to worry about that. profanity used several times. I sent them 2 letters to no longer contact me cease and desist. They still call and harass. I obtain legal representation to have this matter cleared up and have provided them with my attorney 's information. If this continues and this account is not removed from my credit record I will pursue legal action against all parties involved including a XXXX XXXX XXXX who now has the account. I am sick of the harassment and do not owe this debt. I have provided an affidavit that was notarized and filed complaints with the FTC, your agency, the Georgia State Bar, and Attorney General 's office. I do not owe this debt in any way shape or form. I have retained an attorney and will pursue this as long as I need too.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Debt collection

XXXX XXXX I sent a letter to Portfolio Recovery requesting a Purchase Agreement, Chain of Title, and if there is a judgment on the account and proof that the statute of limitations has not expired. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also asked XXXX and XXXX too verify that Portfolio has the legal authority to collect so called debt. None of these companies are able to validate or verify that this debt collector has the following as I requested : purchase agreement from original creditor, cancellation of debt from original creditor, chain of title, proof statue of limitations is in order, any judgments on account. They provided NO DOCUMENTATION, NO INFORMATION what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number : XXXX DEPTEDXXXX Account number : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number : XXXX , has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is inaccurately reporting my old XXXX XXXX account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.
Product: Credit reporting or other personal consumer reports

DEMAND FOR CERTIFICATION OF ACCURACY & LEGAL COMPLIANCE Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the Identity Theft Protection Act. ( 2005-414, s. 1. ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, consumer reporting agencies and data furnishers are required to ensure the accuracy and completeness of the information reported. Reporting erroneous information without verification constitutes a violation of my rights under : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) Spefically, accounts that can not be verified legally, or proof of Identity can not be presented to even let me know who stole my identity, These accounts have been erroneously reported due to identity theft. 
XXXX XXXX $ XXXX Began : 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

For months dating back since XX/XX/2023, Ive been disputing inaccurate information on my credit report as Ive learned through the FCRA. Due to my inexperience doing this I looked up templates online to help type up a dispute letter and what a dispute letter should say. 

XXXX, Transunion and XXXX has denied me my civil right to dispute this information on my report. They wont even look into it. They continue to stall by sending letters saying they believe in a third party service etc etc. Everytime I responded by telling them it is me. And I wont even get a response. FCRA, states these companies have 30-45 days to investigate these matters and they have failed to do so, therefore they should be removed. 

I am trying to buy a house and this delaying the process. I can not wait another 2-3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Complaint XXXX Experian responded stating that I needed to state exactly what the inaccuracies were and personal information. I have previously sent all this information by mail and no luck in them responding to my disputes. Under Complaint XXXX all the documentation was attached that was previously sent via usps mail at this point this is clearly a stall tactic and I will have to take further if this is not corrected after this complaint to FTC I have kept all documentation I have sent them over and over my disputes of my concerns and they are the ONLY BUREAU refusing to honor my request as a consumer. At this point you have past the timeframe and I know that they have received all my mail due to nothing coming back to my address showing return to sender. I am now demanding removal or please be prepared to issue payment to me due to filing a civil lawsuit with my consumer attorney for them violating my rights this is ridiculous at this point.
Product: Mortgage

The following complaint was filed and an unacceptable response was received. 
RE : CFPB Complaint # : XXXX Reference # : XXXX Account # : XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The response provided addresses the Homeowners Protection Act indicating that this investment property does not fall under the act and as such PMI is for the lifetime of the loan. The Act specifies that the lender is to provide the PMI disclosure at time of loan consummation indicating the requirements for the removal of PMI. I have contacted Shellpoint to obtain a copy of the disclosure with no success.
Product: Mortgage

Hello ; I have been attempting to catch up on past due payments for my mortgage, however my mortgage refuses my payments and returns them to my bank. I either need to pay the full amount past due or I 'm at risk of foreclosure. I was XXXX for 2 months and out of work, I notified them of that. I sent them one full payment last week and it was returned. I have attempted to pay online via their website, and have contacted my Dedicated Loan Specialist to discuss the problem. I simply want to pay additional until caught up and do not want my home foreclosed. I faced a temporary issue that is now resolved.
Product: Credit card or prepaid card

This is about disputing case Case Number : XXXX. 
XXXX XXXX XXXX  XXXX provided an estimate with some one elses license number in XX/XX/XXXX. He told me he is licensed and his license is provided in the contract. I paid him {$320.00} as deposit through capital one card and he started working with my approval to his estimate of {$1600.00}. 
He still hasnt finished job as of XX/XX/XXXX and contract is clear that he needs to finish the job by XX/XX/XXXX. Attached is another photo in XX/XX/XXXX that shows another contractor I hired to finish up XXXXXXXX XXXX XXXX  mess.I actually had to paint my house myself since he dropped me at the middle of the job. 
Capital one closed the dispute stating that the case has passed disputing timeline. I know for illegal contracting, the timeline is consistent with fraudulent actions, which capital one has a full promised protection against. XXXX fraud protection. C XXXX failed on this promise. In california, unlicensed contractor cant take more than {$500.00} jobs or its considered illegal. 
I had a similar case with XXXX and soon got money back after almost a year later ( started disputing around 60 days after last development. In this case, last development of the case shall be latest talk with the contractor, which is XX/XX/XXXX, when contractor proves his job undone and post my interior house photos to the public.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/year> Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX, XXXX Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXXXXXX  XXXX  Original Amount Owed {$440.00} Amount {$440.00} Status Date XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against JPMCB Card regarding several violations of my consumer rights. Specifically, I am concerned about breaches of both Federal and New Jersey State laws relating to the handling and disclosure of my personally identifiable financial information. 

( Violation of Federal and State Privacy Laws ) - JPMCB Card has failed to provide me with the opportunity to opt out before disclosing my personal financial information to third parties, including other financial institutions and consumer reporting agencies. This lack of disclosure and opt-out option violates my rights under the Gramm-Leach-Bliley Act ( GLBA ) and the New Jersey Data Protection Act ( NJDPA ). 

Despite my clear instructions that I did not consent to such disclosures, JPMCB Card has asserted their right to share my information based on their Privacy Policy and Privacy Notice. However, these documents state : " Personally identifiable financial information collected by financial institutions ( like XXXX XXXX XXXX is subject to other federal privacy laws ( such as the Gramm-Leach-Bliley Act ( GLBA ) ). '' " For New Jersey Residents : We will not share information we collect about you with non-affiliated third parties, except as permitted by New Jersey law, such as to process your transactions or to maintain your account. '' ( Failure to Provide Accounting Information ) -I have also requested a detailed accounting of my account, including documentation signed by an authorized representative, to clarify the true amount owed and the source of funding for the account. Instead, JPMCB Card has only provided me with a copy of the Promissory Note, which reveals multiple violations of the Truth in Lending Act ( TILA ). 

( Inadequate Handling of Correspondence ) - Additionally, despite my specific instructions that all correspondence be sent to a designated address, JPMCB Card continues to send mail to an address that is inconvenient for me. This disregard for my specified address is a violation of my privacy. 

( Identity Theft and Extortion Concerns ) - Federal law defines identity theft as " a fraud committed using the identifying information of another person '' ( 15 USC 1681a ( q ) ( 3 ) ). By disclosing my personal information without my consent, XXXX XXXX actions can be considered identity theft. Furthermore, these actions may also involve depriving me of my rights under color of law ( 18 USC 242 ) and could be construed as extortionate collection practices ( 18 USC 894 ). 
If these issues are not addressed promptly, I will consider taking further action to protect my rights, including seeking damages for breaches of the Fair Credit Reporting Act ( FCRA ), TILA, Uniform Commercial Code ( UCC ), and New Jersey consumer protection statutes.
Product: Mortgage

On XXXX XXXX, we received an assumption package from Selene Finance to start the assumption of this loan. All requested documents were sent back to Selene Finance at the email address on the letter on XX/XX/2022 ( XXXX ). After no reply, we sent an email asking for confirmation to no avail. We called on the same date and was told they did not see anything in the system but would have a supervisor reach back out to me. No Call back from anyone. I sent another email on XX/XX/2022 with the same exact message asking for someone to confirm receipt of documents. I also called on the same date, but was told it could take 60 days for someone to reply. On XX/XX/2022, I sent another email asking for someone to reply if they have received the email and called. This time, the representative said she was not sure what had happened with the documents and asked me to call back at the end of the week. I gave them more time and called today, XX/XX/2022 and was told by the XXXX representative the loan was only assumable if XXXX of the parties on the loan was deceased. I called back and was told I POSSIBLY sent the documents to the wrong email address. I was advised to resend the docs to XXXX in which I did. If this loan was close to be foreclosed on, we would be headed there swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Denied a credit application no consumer is suppose to be denied credit and they are committing securties fraud by selling receivables without my consent
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$10000.00}
Product: Mortgage

I was told by XXXX XXXXe that I had until Monday XX/XX/XXXXto e-mail the modification package to them because the foreclosure sale date was set forXX/XX/XXXX. I was told that they would be able to halt the auction slated forXX/XX/XXXX and they would review the modification package. I e-mailed that modication package on FridayXX/XX/XXXX, which is 3 days prior to the date they had told me. I included all supporting documents they requested. I called Ocwen multiple times to find out the status of the modification package. The first time, Tuesday XX/XX/XXXX, I was told it was too early to give me any update and that I should wait five business days. When I called Ocwen today ( Monday,XX/XX/XXXX) I was told that my application had been denied because I sent it in too late. I was also informed by Ocwen that they never even looked at the package.
Product: Credit reporting or other personal consumer reports

These companies pulled my credit report without my authorization, and its had a direct impact on my credit score. I reached out to Experian, and although a representative promised these fraudulent inquiries would be removed, they are still present. This situation is deeply concerning, as Im now worried about potential identity theft. Beyond the stress of dealing with these inaccuracies, the damage to my credit score is affecting my financial options, limiting my ability to get approved for loans or credit, and adding even more pressure to my life.
Product: Credit reporting or other personal consumer reports

I saw XXXX unauthorized personal loans from XXXX reported on my Experian credit report. I have never applied for any personal loan from XXXX so I disputed them on XX/XX/XXXX. To my surprise, Experian said I am responsible for all of them when I checked the dispute results on XX/XX/XXXX. The first loan has an original balance of {$460.00}. The second loan has an original balance of {$78.00} and past due of {$27.00}. The third loan has an original balance of {$65.00} and past due of {$46.00}. The fourth loan has an original balance of {$290.00} and past due of {$8.00}. According to the website of Affirm, one of the eligibilities of loan is that the customer must " be a resident of the U.S. ( including U.S. territories ) '' and I am not. I do not understand why I had XXXX loans with Affirm when I have never applied any loans with them and never received any communications regarding identity verification, loan approvals and loan payments. I also do not understand why XXXX approved XXXX loans to a customer who does not meet their own loan eligibility requirement. I am extremely unsatisfied with XXXX for its lack of verification of the applicant 's identity and with Experian for its way to handle the disputes in a improper manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

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