23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH Mortgage Corporation purchased my mortgage from XXXX XXXX in XXXX of XXXX. I had my monthly payments to XXXX set up on auto-payment and never received a letter of transfer when the mortgage was sold to PHH. I received no notification of late payment from PHH ( no letter, no phone call ), nor any communication from XXXX, and XXXX  clearly failed to forward my auto-payment to PHH. In XX/XX/XXXX, I was notified by a credit-watch program that my credit had a delinquency, which is how I discovered the mortgage had been sold to PHH. At that time, XX/XX/XXXX, I paid the balance in full and updated the auto-pay to PHH. Payments have been on-time ever since. 
During these difficult times of COVID, you would think PHH would be grateful to have a steady customer who pays their mortgage on time each month. Given this error of receiving no notification of transfer, my perfect credit has now taken a tremendous hit, which is significantly and negatively impacting my ability to obtain new  leverage.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX  XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXXXXXX XXXX XXXX. {$22000.00} XXXX XXXX. Open- XX/XX/XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX {$440.00} A copy of an FTC report listing the products opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Checking or savings account

I recently discovered that {$50000.00} in monies left to me by my late grandmother were wrongfully kept by Wells Fargo without my permission. After my grandmother passed away, she bequeathed certain funds to me. Rather than advise me of this bequeath from my grandmother, Wells Fargo secretly opened an account in my name, without my permission or knowledge. Wells Fargo illegally kept this account open for at least one year before advising me of the existence of the account. To date, Wells Fargo has failed to advise me of which transactions or trades were made ( if any ), the opening balance of the account, whether any funds were transferred or diverted to other accounts, why such transfers ( if any ) were made, and an explanation as to why the account was kept in my name for a year without Wells Fargo attempting to advise me of same. Additionally, Wells Fargo is legally required to mail me monthly account statements and never sent a single one in a year. I am lawfully entitled to this information. Also, I do not have an account number from the secret/illegal Wells Fargo account because I was never advised of the Wells Fargo account information.
Product: Debt collection

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 XXXXXXXX 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.

You have 72 hours to respond.
Product: Credit card

After having my card fraudulently used, XXXX XXXX issues over XXXX " refunds '' for fraud, but not by tying them to the specific charges. Now, XXXX month later, they have re instituted XXXX charges without any narrative other than " Move Debt From Fraud Account ''. When I called they say they are some accounting transfer issue. Of course, I can not verify that any of these charges are accurate, because there is no explanation. I called to place them in dispute as " not recognized '' and XXXX XXXX refused to do so, saying that they were charges from the now-closed card. However, these charges have never been presented to me online nor in my monthly statement, so I can not verify that they are accurate. The phone agent even told me that he was only allowed to give me the information that they are old transfers, but nothing more. Certainly they are having some internal issue and trying to pin it on their customers. 

Simply put, XXXX XXXX refused to follow the law by placing these in dispute as not recognized until they can give me some modicum of proof that these are actually charges that I made. Please take the to task for it.
Product: Credit reporting or other personal consumer reports

REQUESTED WITH LETTER TO REMOVAL ALL ADDRESSES AND INCORRECT NAME ( SPELLING ) AND OTHER PERSONAL INFORMATION THAT DOES NOT BELONG ON CREDIT REPORTING AGENCY
Product: Checking or savings account

On Thursday Wells fargo said I was over drawn on my account I was not over drawn They fixed that problem now I have no access to my money.I called them several times to resolve this with no results. I went the branch they were not able to help. I need access to my money. I requested several times to lift hold they didn't. I have to pay my rent and other bills this is on un fair to me. In addition they said I made a transfer which I never made there is no reason for my account to on hold this long.
Product: Checking or savings account

On or about XX/XX/2020, I filed a complaint with the Consumer Financial Protection Bureau with respect to Wells Fargo Bank ( see herein attached ). From that complaint, Wells Fargo Bank agreed to help resolve my complaint in a letter from Wells Fargo Bank Executive Office dated XX/XX/2020. Wells Fargo demanded that I issue them a subpoena in order for me to obtain this information. Therefore, on or about XX/XX/2020, I hired attorney XXXX XXXX XXXX to issue Wells Fargo Bank a subpoena on my behalf to obtain the requested information ( see herein attached ). 

On or about XX/XX/2020, attorney XXXX XXXX XXXX issued Wells Fargo Bank a subpoena, as they demanded. Since Wells Fargo Bank refused to respond to attorney XXXX subpoena, I sent a letter including a copy of the subpoena via Priority Mail to Wells Fargo Bank on or about XX/XX/2020 ( see herein attached ). Wells Fargo received my letter, subpoena on XX/XX/2020 ( see herein attached ), and responded to my letter with an email dated XX/XX/2020 ( see herein attached ). In the email from Wells Fargo Bank dated XX/XX/2020, they stated the following : We want to let you know we received the information you shared with XXXX XXXX Your feedback is important to us and we will work with you to research the issue as quickly as possible. 
To help ensure we address your concerns, were researching the issue you mentioned. You can expect to hear from your case manager within three business days of your complaint submission. 
Were here to help. If you have questions, please do not respond to this message using the Reply button ( replies are not monitored ). Instead, contact us by phone at XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX  and Saturday, XXXX XXXX. to XXXX XXXX  Mountain Time. 

On XX/XX/2020, I called Wells Fargo Bank at approximately XXXX XXXX  and the representative stated that XXXX ( phonetic ) was working on my case and that XXXX was out of the office and transferred me to her manager. Unfortunately, the managers voicemail did not accept any voice messages. Therefore, at approximately XXXX XXXX, I called Wells Fargo Bank once again and spoke to XXXX ( phonetic ). XXXX advised me that she was looking into my case and requested to place me on hold. Shortly thereafter, the call was cancelled and I was once again forced to call Wells Fargo Bank. 

On XX/XX/2020 at approximately XXXX XXXX, I called Wells Fargo Bank once again and spoke to XXXX ( phonetic ). Mrs. XXXX alluded that the telephone conversation was accidently disrupted ; however, I disputed her false allegation. I advised Mrs. XXXX that if my calls were accidently disrupted, why did not anyone from Wells Fargo Bank call me back? After all, they have my name, address, telephone number and email address and the NEVER responded. Mrs. XXXX had no answer. 

Thereafter, Mrs. XXXX stated that she was sending messages for XXXX ( phonetic ) and her manager to return my telephone calls in regards to my case. Unfortunately, no one has responded to any of my calls regarding my case, which prompted me to file yet another complaint. I am once again requesting your immediate assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank is reporting a charged-off account to the credit bureaus that I was never a responsible party on. I was only an Authorized User and not responsible for the account.
Product: Credit card

I consistently meet payment deadlines. I'm confident in this. What puzzles me is the company 's occasional late reporting, which shouldn't happen. According to USC 1666b, any billing errors should be rectified promptly, reflecting the agreed-upon payment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX XXXX is reporting a charge-off account to Equifax and XXXX that is not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of ongoing ID Theft and have several fraud items reporting on my EQUIFAX credit file that please need to be removed ASAP. Police Report has been sent to EQUIFAX several time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated 3 written disputes between XXXX XXXX and XXXX XXXX with Experian requesting verification of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and the Office of the Attorney general accounts that show on my credit report. These unverified items still remain on my credit report in violation of Federal Law. Experian responded to each of my disputes saying the information was updated, but failed to remove them or to send me copies of the documents that used to verify these accounts as per my request. The fact that Experian has ignored my request to send me copies of the documents used to verify the disputed accounts is evidence that they did not properly verify any of the disputed accounts. Experian has not produced any document with my dated signature or authorization. Yet they willingly continue to report unverified information despite the Fair Credit Reporting Act laws in place prohibiting this unethical practice. I request that these items be removed immediately.
Product: Credit reporting

The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against OneMain Financial regarding the handling of a cancelled debt. I received a XXXX form from OneMain Financial XXXX indicating that the debt has been cancelled and the amount is considered income for tax purposes. 

According to IRS rules, once a debt is reported as income via a XXXX form, it can not be reported simultaneously as an outstanding debt on a credit file. The IRS rules clearly state that a cancelled debt should not be listed as an active liability on credit reports. 

While the balance is reported as XXXX on my credit file, the account still appears, which is incorrect and misleading. Given that the debt has been cancelled and reported as income, it should be deleted from my credit report entirely. Reporting it as both income and as a zero-balance account on the credit report is improper.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit that need to be deleted. These hard inquiries were not authorized by me. I reached out to the individual credits and they suggested I reach out to the credit bureaus. After doing so, no hard inquiries have been deleted.
Product: Checking or savings account

I opened an account with citibank on XX/XX/year>, everything was okay until they freeze my account for no reason when i havent done any wrong doing. This is the second time this happened and it is very frustrating trusting a bank with your money and they want to freeze my account for no reason
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding an account appearing on my consumer report that is being furnished and reported without my consent. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and related federal statutes to demand the immediate deletion of this account from my consumer report, as well as compensation for the unlawful actions taken against me. 
The account in question is a XXXX XXXX credit card with account number XXXX. 
According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), consumer reporting agencies, including Equifax and Experian, are required to exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As a consumer, I have the right to ensure my private information is not being shared without my consent.

Furthermore, under 15 USC 6801, financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect their nonpublic personal information. A furnisher of information to credit agencies is considered a financial institution under this title and, therefore, must comply with privacy and disclosure laws. 
15 USC 1681, Section 604 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written consent to Equifax, Experian, or the furnisher of information to report this account. Any previous consent, whether verbal, written, implied, or otherwise, is hereby revoked.

Additionally, under 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. I was never informed of my right to opt out, meaning this disclosure was unlawful. 
15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in a consumer report if the item predates the report by more than seven years, except for records of criminal convictions. The account in question is an adverse item being reported without my consent, violating federal law.

Moreover, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person shall not furnish information relating to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Given that I have disputed this item, continued reporting constitutes a violation of this statute. 
Equifax and Experian are required under 15 USC 1681e to maintain reasonable procedures to prevent violations of 15 USC 1681c and ensure that consumer reports are furnished only for permissible purposes. Their failure to do so demonstrates noncompliance with federal law.

Lastly, under 12 CFR 1016.7, I have the right to opt out of having my information reported at any time. I am exercising this right now and demand the immediate deletion of the disputed account from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Said my XXXX account was opened XX/XX/2020 and being reported as a closed collection account on my consumer report ( XXXX, XXXX, Transunion ) which I have know nothing about this account. Request to verify validation of the debt including names, address, original signed signature from signed contract of the person in question about the service. If can not be verified within 30 days at a reasonable timely manner, delete the account from report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau XXXX  ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account. 
Proof of any payments or transactions associated with the account. 
Any identifying information you have on record that would associate this account with me. 
Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. 

Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. 

Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax all are reporting and unfair discriminatory credit scores very low... there are no collections and no late payments ... my credit score continues to decrease instead of increase and I am also be denied credit
Product: Credit reporting or other personal consumer reports

I created this new CFPB account since I lost my access to the other one. 

I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

On XX/XX/2018 I was trying to pay my XXXX XXXX bill that is in collection with XXXX XXXX {$24.00} dollars, it wont let me pay anymore. im very mad they had done this before I will get a lawyer and sue them cause this is not right. I was going to pay I payed XXXX dollars last month still there rude idk what there problem is I know its in collection Im paying for it..
Product: Checking or savings account

E check deposit was approved by Ally Bank for XXXX dollars After three days check was return deposit. After deposit I suspected fraud. I contact Allybank onXX/XX/XXXX . I was assured by customer service that check was honorable. On Tuesday XX/XX/XXXX I moved funds out of acoount to pay for so called loan insurance OnXX/XX/XXXX check was returned by bank on XX/XX/2019 Ally bank absorbed direct deposit check from  my pension . Account still XXXX dollars overdrawn. XX/XX/2019 I spoke AllyBank operation was told I was responsible entire overdraft. How does a consumer verify checks it banking institution cant. I was told in a matter of fact way and a cold way that ther is no way out. Its no wonder consumer hate banks. I have already in formed bank of  my refusal to accept full penalty. I change to another bank. I will not fund  Allybank account anymore. I was scam just like they were. Im already embarassed and humiliated I wont take anymore0
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXe : Contract Pay Off XXXX XXXX XX/XX/XXXX I sent agreed payment in order to settle installment contract with XXXX XXXX. The above referenced account has been settled in full. The lien was supposed to be released. They agreed to report to all credit agencies. I received the letter confirming settlement of account. But information has not been updated with credit bureau.