23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or about XX/XX/2021 XXXXapitol One credit card telephoned me and asked if I applied for a Capitol Card on-line with them? I said " No, I already have a card with you. '' They acknowledged my open account and denied the online application. They also suggested I contact the 3 credit reporting bureaus and the Federal trade Commission to file a report. 

A couple of months ago someone applied for unemployment benefits with the Oregon Unemployment Division in my name too. I had received a written request from the Oregon Unemployment Division for additional information via mail. I did file an on-line form with them stating I did not apply for any unemployment benefits. 

I have not applied for any credit cards, services or other loans except when I refinanced my home earlier this year.
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.
Product: Debt collection

This was sent regarding multiple accounts My request was as follows : Hi, please provide a 1099-C The original contract between myself and Affirm The original contract between myself and XXXX XXXX The FULL ORIGINAL account number The privacy document signed by me with the original creditor allowing XXXX XXXX  or yourself access to my personal data Proof of the accuracy of the portfolio complete with my full name Proof of Purchase of the portfolio from the original creditor Proof that the Assignment of Debt rules have been followed Proof of how XXXX XXXX, Affirm, and XXXX XXXX XXXX arrived at their respective alleged amounts owed. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 



If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 



If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 



If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 



Tell me when the creditor claims this debt became due and when it became delinquent. 



Identify the date of the last payment made on this account. 

Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 



If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 






I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to comply on XXXX  and XXXX request. I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ) on these accounts : 1. ) PROFESSIONAL FINANCE C XXXX Date Opened XX/XX/2020 Balance {$1000.00} 2. ) PROFESSIONAL FINANCE C XXXX Date Opened XX/XX/2020 Balance {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked Credco and XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

Credco XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says 11 XXXX / 11 XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a serious problem and I have tried to get the attention of the data furnisher and have had no success, which is why I am now coming to XXXX. 

I have attached a screenshot of the tradeline that needs to be removed from my credit report because it is over 7 years old. I went XXXX XXXX XXXX, XXXX and this item should not be on here. I also went through a divorce and do not hold ownership in this property that this loan is attached to. This is harming me in many ways and I am trying to refinance my current home so that I may get a new roof before winter hits in full force here in Michigan.
I 'm respectfully requesting that XXXX remove this out of date information from my credit report. It also belongs to my XXXX and not me. 

This is causing me a lot of stress and I am also a XXXX XXXX XXXX XXXX here in Michigan. 

I AM ALSO REQUESTING NO PHONE CALLS, PLEASE COMMUNICATE BY MAIL ONLY.
Product: Mortgage

We are filing a complaint again st Wells Fargo ( WF ) and agent for WF,  Substitute   XXXX   XXXX   XXXX   XXXX   XXXX    (   XXXX   ),  is attempting to execute an illegal foreclosure on my primary residence.  XXXX , failed at the hearing before the clerk, to prove the followi ng four eleme nts : The existence of a valid debt ; A default ; A right to foreclosure under the instrument ; and A notice of the hearing has not been given to those who are entitled to receive notice. WF and  XXXX , failed to respond to a certified mail qualified written request, dated  XXXX   XXXX ,  XXXX , which will confirm that the debt was not validated. Validation is necessary whether it be judicial or non-judicial foreclosure. I was able to acquire a copy of my Deed of Trust none the less and there is no power of sale clauses within.   Please also note that  XXXX , has failed to provide proper notice of sale as follows : The notice of sal e must be published once a week for at least two successive weeks in a newspaper in the county in which the property is situated, with the last publication being not more than ten da ys before the sale.   When we applied for a loan modification in  XXXX  of  XXXX , I was denied due to not enough income in  XXXX . I was able to reapply with an increase in income due to my daughter offering contribution of approximately {$700.00}, and my loan was denied in  XXXX  of  XXXX , WF, stating that the payments are already affordable and that now I make enough money to afford regular payments. This entire process is the perfect definition for oxymoron. Furthermore, I have found additional income that can be prov ided and WF, refu ses to review my loan for assistance. In fact they have denied me the ability to file an appeal regarding my  XXXX  loan modification denial, stating that Im only allowed  ( 1 ) appeal per loan modification review. In fact Ive been told this by multiple agents of WF , on  XXXX   XXXX ,  XXXX , agent  XXXX   XXXX  and again on  XXXX   XXXX ,  XXXX , agent  XXXX   XXXX .   These types of abusive action and the part  of WF,  has forced my home into inevitable foreclosure on  XXXX   XXXX ,  XXXX . The actions are also violations Under  Rule 702 of the   North Carolina mortgage lending rules.   It is also a fact that my loan was originated with  XXXX   XXXX , with a 7.95 % interest rate, and later allegedly sold to WF. There are no recorded documents with the  XXXX   XXXX  land records that would indicate this process was completed properly, which  may be  the reason why WF, failed to respond to my qualified written request dated  XXXX   XXXX ,  XXXX . This request specifically demanded proof of assignments, sales affidavit and or bailee letter attached to the Note.     I have lived in my home for almost 20 years and, I will file a civil lawsui t against WF an d  XXXX . I demand that the sale date be halted and that I be considered for modification review. My loan rate is still almost an 8 %, and my loan has not been modified under the terms of the national mortgage settlement of  XXXX , which involv ed WF.
Product: Mortgage

Mr. Cooper, my mortgage servicer, maintains an escrow account I pay into, and Mr. Cooper is responsible for paying from that escrow account to pay all my property taxes for my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC, XXXX. On XX/XX/XXXX, I received a Notice of Tax Delinquency from DC XXXXs Office of Tax and Revenue stating that Mr. Cooper has failed to pay my XXXX and XXXX property taxes. If the property tax payments are not received by XX/XX/XXXX, they will force a sale on my home to recoup the property taxes owed. 

I alerted Mr. Cooper of their failure to pay the property taxes on XX/XX/XXXX. They told me that I would be provided an update on their resolution of the issue by XX/XX/XXXX. On XX/XX/XXXX, they called me and informed me that they had made no progress in resolving this issue, but that I could expect an update from them by XX/XX/XXXX. 

On XX/XX/XXXX, all I received from Mr. Cooper was a letter telling me that the issue was being researched by the tax department -- but provided zero timeline about when this will be resolved by, and zero recognition that the tax bill remains outstanding. At this point, it has been a full week they have been aware of taxes that they failed to pay for months -- and they have made no assurances of whether or when they will resolve the issue before DC 's tax authority forces a sale on my home. 

My current property tax balance owed to the DC tax authority is {$7300.00} -- that is what Mr. Cooper needs to pay for. They claim they paid the tax bills for XXXX and XXXX in XXXX, but the DC tax authority has no record of receiving any such payment. 

After speaking with Mr. Cooper by phone today again and receiving no meaningful help, I have let them know that I plan on submitting a complaint to the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Complaint : Experian Verification User I need a letter to the FTC against Experian for failing to provide the method of verification I have sent numerous letters requesting this in a time frame of 30 days has expired therefore I'm demanding that they removed all information pertaining to XXXX XXXX on my credit report until they can show the method of verification. I want to express that I will be willing to initiate legal proceedings for violating XXXX5 USC 1681 section 2ai. Experian is reporting in accurate information as it been charged off yet reporting as open and late payments in violation of the statuteXXXX XXXX XXXX XXXX XXXX [ Your Name Re : Acct # XXXX Dear Sir/Madam, I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for reporting inaccurate information on my credit report. I have made several attempts to request the method of verification from Experian regarding the information they are reporting regarding my XXXX XXXX account. However, despite my numerous letters, Experian has failed to provide this essential information within the legally required timeframe of 30 days, as outlined in 15 USC 1681 section 2ai. 

I am deeply concerned about the inaccurate reporting of my XXXX XXXX account by Experian. The account has been charged off, yet Experian continues to report it as open and shows late payments, which is a clear violation of the FCRA. Such inaccurate information can have a significant impact on my creditworthiness and financial well-being. 

In light of Experian 's failure to provide the method of verification within the mandated time limit, I am demanding that they immediately remove all information pertaining to XXXX XXXX from my credit report until such time that they can demonstrate the method of verification. This action is in accordance with my rights under the FCRA and the necessity for accurate and fair reporting of credit information. 

Furthermore, I would like to express my willingness to pursue legal proceedings against Experian should they continue to violate the FCRA by reporting inaccurate information. It is crucial that the credit reporting agencies uphold their legal obligations and maintain the integrity of consumer credit reports. 

I kindly request the Federal Trade Commission to investigate this matter thoroughly and take appropriate action against Experian for their non-compliance with the FCRA and inaccurate reporting. I trust that the FTC will work diligently to protect consumer rights and ensure that the credit reporting system operates fairly and transparently. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

Sincerely
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX Bal : {$800.00}. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Maryland Highway and Safety notified me, that my XXXX XXXX XXXX had a FUEL PUMP SAFETY HAZARD. I contacted XXXX XXXX  and cooperate officers only to receive aggressive resistance with XXXX accountability. The executive clerks were not phased how I was terrified for my life, because the vehicle jerked and stalled in traffic constantly. XXXX, sold me a defected new vehicle, and outright insisted I trade the vehicle and overlook them selling me a new vehicle with a fuel pump that endangered my life. I filed a complaint with my Maryland Attorney General office XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due to XXXX  unscrupulous manufacturing practices, and relentless aggression in endangering my life. For example, for months to provide a safe fuel pump. The retaliation was abusive when attempting to make my usual on time monthly payments to XXXX XXXX. The online service was problematic, so when I attempted to make payments the representatives would display all sorts of shenanigans. For instance, be combative, hung up the phone, transfer me into a queue for extended periods. The supervisors call back was manipulated constantly. For example, I was told I would receive a supervisor call back in 48-72 hours and I would not receive the supervisors call back, and when I called back the representative would inform me I had to wait another 48-72 hours. So, this is the gross aggression Im receiving attempting to make my monthly on time payment with a supervisor. As a result of the retaliation, harassment, and excessive shenanigans from XXXX XXXX XXXX representatives and supervisors I have two unjust late payments on my XXXX, XXXX, and TransUnion credit reports. 

Please note, prior to the XXXX XXXX XXXX XXXX I had a EXCELLENT rating with XXXX XXXX, and after the sold me a vehicle that endangered my life and lives of other citizens, they have manipulated two ONE DAY late payments to all three credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced a lease vehicle and hard inquiries were sent to several financial institutions. I was not aware that this would happen, only after the fact. While I do no think it was the dealers intention to wreak havoc on my credit report, it certainly was not a necessity to inquire with several different institutions, since at the time of financing my credit score was " Good ''. 

I am requesting that the hard inquiries, as follows, be removed : XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX  XXXX I XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to request that my personal information not be shared with third-party non-affiliated companies, as permitted by 15 USC 6802 and 16 CFR 313.7 As A Federal Protected Consumer to Exercise My Consumer Rights.

As a consumer, I value my privacy and wish to exercise my right to opt-out of the sharing of my personal information for marketing purposes with companies that are not affiliated with your institution. 

Please consider this letter as my formal request to opt-out of any such sharing of my personal information with third-party non-affiliated companies immediately and indefinitely. 

I understand that you are required to comply with this opt-out request promptly upon receipt, and I expect confirmation of this action in writing. 

Please be advised that this opt-out request is not to be construed as a revocation of any consent previously provided under other applicable laws or regulations. 

If you have any questions or require further information, please do not hesitate to contact me at the email address provided or phone number Associated with CFPB. 

Both Credit reports have been uploaded showing inaccurate information. Also a Third party collection agency copy has been uploaded. My private and personal information have been violated by XXXX according to FCRA 15 USC 1681.
Product: Credit reporting or other personal consumer reports

These is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance Owed : {$440.00}, XXXX  XXXX XXXX Balance Owed : {$310.00}, XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$440.00},
Product: Checking or savings account

Had XXXX XXXX installed around XX/XX/. Canceled the service and canceled the autopay on Tuesday XX/XX/. My bank allowed this transaction and on Tuesday XX/XX/XXXX, {$480.00} was stolen from my checking account my XXXX. The service and auto pay was cancelled 30 days before. Why do I have the option to STOP a payment, if my bank is going to allow it to pay? I disputed the charges, not sure why the bank felt I was responsible, and have not spoken to the fraud department til this day??
Product: Student loan

Six months ago, on XX/XX/2023, ( per the attached email to Nelnet ), I sent in a LOAN DISCHARGE APPLICATION : FORGERY form. As of XX/XX/2023, I have not received any information regarding the status of this form From Nelnet. 

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

XXXX XXXX at XXXX XXXX in XXXX XXXX Texas has turned me in for collection and I have never signed up for anything with them. They say I owe them over XXXX I have never been to this place in my life
Product: Credit reporting or other personal consumer reports

An alleged public record bankruptcy appears on my credit report. I submitted a dispute with the credit bureau requesting that they provide their process of verification for accuracy and i received a letter saying that the alleged pubic record was verified by furnisher, US bankruptcy court. The actual procedures were not provided to me. I then contacted the US bankruptcy court requesting information on their procedures to verify the bankruptcies with the credit bureau and the US bankruptcy court clerk responded with a letter stating that they do not verify bankruptcies for or with any third-party companies, including credit bureaus.

I tried again to dispute with the credit bureau with the following : As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged public record information contained in my consumer file as per the FCRA.

I have not received a follow up or deletion from my report.
Product: Mortgage

Mr. Cooper/Nationstar Mortgage is conducting fraudulent business under : ( 1 ) Sections 1031 and 1036 of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, 5536 ; ( 2 ) Sections 6 and 19 of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, 2617, and the regulations promulgated thereunder at Regulation X, 12 C.F.R. 1024 et seq. ( RESPA Mortgage Servicing Rule ) ; and ( 3 ) Sections 4902 ( a ) and ( b ) of the Homeowners Protection Act of 1998, 12 U.S.C. 4902 ( a ) and 4902 ( b ) ( HPA ).

Mr. Cooper is forcing home owners into unjust payment plans and threatening foreclosure without out cause.

Mr. Cooper claims to have sent us certified mail on 3 separate occasions but can not provide us with tracking numbers or signed receipts of the letters. We never received any letters because they were never sent. 

Every time we speak with a representative from Mr. Cooper, we are told different things and each representative says the other one was wrong. We are constantly given faulty information. 

Mr. Cooper has denied us the ability to make our mortgage payment on several occasions because they want to keep our account behind so they can attempt to foreclose on the property. 

This company has reported our escrow in the negative despite our insurance company having paid them less than 6 months ago.
Product: Credit card or prepaid card

Chase Bank has their Chase Sapphire Reserve cars that gives 3 % back on travel and dining. 

I went to a parking lot and paid {$9.00}. It showed up as bills and utilities ( doesnt give 3 % ) and then a few days later I went to a taqueria for lunch and paid {$12.00}. It showed up as automotive ( which doesnt give 3 % ) Chase Bank is purposeful in trying to get out of paying the promised cash back.