23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mother died a couple years ago and we have been working with the mortgage company to get the names changed on the account to no avail. We have provided numerous qualified written requests via fax and overnight mail, some of which we received a response well past CFPB guidelines or not at all. We have provided all of the information requested again, as recent as XX/XX/2016 and the account still has not been changed. Additionally, now it appears they have put the insurance in jeopardy of being cancelled. We have made every payment on time and the account is escrowed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX To Whom it May Concern, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX  XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
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. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. 

Please reinvestigate this matter and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

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

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNT. IM SENDING MY IDENTIFICATION AND PROOF OF ADDRESS
Product: Credit reporting or other personal consumer reports

In my consumer report I have XXXX reporting an account, I sent them an opt out letter and they confirm that they will not be sharing my nonpublic personal information anymore.
Product: Checking or savings account

BBVA fees I am in The Texas snow storm where I am snowed in dont have internet or didnt until yesterday even on my phone. 

BBVA charges me overdraft fees and is refusing to work with me on them yet their branches were closed. No ATMs worked due to power outages. I didnt have any way to do banking. 

Multiple fees where most banks fee a max of 1 especially if you had money in other accounts to cover it.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report inquiries that are not correct and I am sure they have not done any investigation to prove that these inquiries that they are reporting are accurate. They requested I contacted the company which is not my job it is the consumer agencies obligation to report accuracy and if they cant it must be removed. The inquiries below need to be investigated and removed immediately or risk legal action. 

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 XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX report number XXXX. I have requested that Capital One remove all non public personal information from my credit report per 16 CFR 313.7 and 15 usc 6802b
Product: Debt collection

XXXX XXXX  XXXX started Threatening to do a civil suit against me for a debt from XX/XX/XXXX, the original amount was about XXXX , saying I will be sued for XXXX $ Plus attorney fees. If I pay today I will only pay XXXX XXXX Saying I will be sent to court. I explained that I dont remember this card and was willing to pay original amount but was told that is not an option. I need to say yes or no to the amount they offer or I will be going to court and be sued by JCpennys. Was told I fell off collections but the reserve the right to sue me for the money. Never remember these fee. Called JCpennys and talk to collection/account services department and was told this account was paid off and closed. Doesn't show that was sent to outside collections. I never had it on XXXX XXXX  or XXXX. And this agency had all my personal information.
Product: Credit card

It is my consumer right to be granted credit I can not be discriminated against without recourse I also was not given a specific reason which they stated in the letter given to me that they couldn't specify my reason they just gave me a list of reasons why I'm considering going into arbitration process if this decision is not reversed and my rights are acknowledged.
Product: Checking or savings account

I got a priority envelope in mail had a check in my name seemed real went bank to see if I could deposit it it went threw I didn't expect nothing bad was going to happen i called the number and gave the batch number as indicated in document screens hated recite to the company and that was that for that day next morning got a alert about the check so I called and lady was angry and told me were closing ur account I tried to explain but they didn't care so I started getting XXXX and was chocked about all this that happened later that they got a message from the scammer and told me your lawyer wants to know if u could send payment so you could receive your winnings from lottery XXXX XXXX then I notice I was being scammed now over this person I loose my account I should of seen the red flags but I was being fooled whole time now I don't know what to do I really like wells fargo I didn't want to end up like this I hope I could get this taken care of it really hurt me and I would never fall for this incident ever again thankyou
Product: Debt collection

My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
CREDENCE RESOURCE MANAGE
Product: Credit card or prepaid card

I spoke with a gentleman with your company asking him to send me all my statements pertaining to the credit card that I have with your company. I received the package in the mail on XX/XX/XXXX and when I opened the package the dates of the statements were only from XX/XX/XXXX through XX/XX/XXXX. I also have the latest XXXX Credit report that was sent to me XX/XX/XXXX. Listed is all the information on your company CAPITAL ONE BANK USA NA Date opened XX/XX/XXXX. I called Capital One XX/XX/XXXX at XXXX XXXX and spoke with a representative named XXXX explaining to her that I did not receive all of my statements that I asked for. XXXX then put me on hold and then came back to the phone and told me that she could only send me Statements from XX/XX/XXXX throught XX/XX/XXXX and I would receive them in 7-10 business days. I then asked her why can't she send me my statements from XX/XX/XXXX through XX/XX/XXXX? She told me that they no longer exist in their company. I then said they have to exist somewhere, and I am requesting the statements to be maailed to me along with the ones you are sending me. XXXX then tells me that I will have to have a Power of Attorney send a letter to them requesting my statements from XX/XX/XXXX through XX/XX/XXXX and they have to include in the letter my full name, address, social security number, and date of birth to this address : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah.
Product: Debt collection

CAVALRY PORTFOLIO SERVICES ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I filed chapter XXXX bankruptcy in XXXX. The bankruptcy was in it final month, when the attorney filed another chapter XXXX bankruptcy in XXXX. The attorney bailed on me and the judge closed and charged off the remaing balance. Closed my case in XXXX of XXXX. 
Now U.S. bank is stating I still owe them money. I have sent them copies of the documents stating that the loan is paid in full by the court. So far they are refusing the paperwork. They sent my former attorney a copy of the original paperwork from XXXX. 
How do I get the bank to realize the truth from the judge?
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against you
r company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX  {$570.00} XXXX XXXX XXXX   {$0.00}
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and i noticed i had some fradulent accounts on my report .Please remove these accounts from my report they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

Please remove all inaccuracies on my Experian credit report please I have already disputed this inaccurate inquirys and I request that they be removed immediately thank you CREDIT APPLICATIONS/HARD INQUIRIES Account name XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX  XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX  XXXX Date of request XX/XX/year> Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date of request XX/XX/year> Account name XXXXXXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX Date of request XX/XX/year> Account XXXX XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXXXXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX XXXX request XX/XX/year> Account name XXXX XXXX XXXX XXXXXXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Account name XXXX XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXXXXXX XXXX Date of request XX/XX/year>
Product: Mortgage

because of wells fargo home mortgage unfair business practices, my homeowner rights have all but evaporated. on XXXX XXXX i opened a letter from wells fargo stating that my home modification has been denied. the reason for denial was known by wells last XXXX 2016 when i first started my home modification process. instead, they have taken me on a 9 month process only to deny me. if i would have know this at the beginning of the process, i could have resolved my mortgage issue through different means. now they have total control over my house and are foreclosing. something is very wrong here and there are some very disturbing business practices being conducting by wells fargo that needs to be investigated immediately
Product: Bank account or service

I was looking at my account and I see that there were withdrawals and transactions in different states. I called and disputed the charges and they will give me a credit but will always reverse it and charge me all these overdraft fees. I was told that someone was deposited a check in my account and it was from my other account but that is impossible because I ldont have any checks for any of my accounts. I deposited XXXX in the account on XX/XX/2016 and now its all gone and I am being told that I just have to deal with it. I did my part and I am being told that it was not enough
Product: Payday loan, title loan, or personal loan

Ditech Loan C o.   Account #  XXXX  Account has been set up for autopay of {$140.00} from my checking account for several years.     On  XXXX / XXXX / 17  ditech debited {$670.00}, the final balance with no notice, even though I spoke to a representative from their company the previous month regarding wording on my bill that says that this is " mortage payoff ''. This loan is not connected to any property I ever owned, even though it shows my old address as " property address '' on the bill.     The attached bill from  XXXX / XXXX / 17 , which I received on  XXXX / XXXX / 17 , does not indicate any payoff intention or additional debits to my account.
Product: Vehicle loan or lease

I am trying to sell my non operation vehicle. I owe around 7-8 thousand on the vehicle. The vehicle does not work and would cost to much to repair. The parking spot where the vehicle is being stored no longer is available. My only option is for me to sell the vehicle. The bank is demanding i pay the loan in full to sell the vehicle. Financially for me that is not possible. 
They have refused to refinance my vehicle in the past, and are being uncooperative. 

i was asking them to allow me to sell the vehicle and continue to make payments or for them to come and get the vehicle and witch i would still make payments. 

i would like you to look into the loan to see its legality. 

They have been using racially insensitive language towards me.
Product: Debt collection

ccm finance LLc also known as credit and cars master also known as XXXX XXXX XXXX ( XXXX  ) ( XXXX ) I the consumer would like to file this complaint on behalf of myself and many others you may check the XXXX website for more references of my concern ccm finance and others above violated 15.u.s.c code 1681 ,15 U.S.C. 1601-1667f 15.u.s. code 1635 the business above took complete advantage of my credit file and the transactions i have made. i the consumer went to get an auto loan for a XXXX XXXX XXXX XXXX XXXX, i have a car contract that states the car finance charge is {$13000.00} sale price of XXXX down payment of XXXX i purchased my own car insurance from a separate entity my monthly payment states i was to [ pay XXXX bi weekly i made my first car payment of XXXX and next month i see that XXXX was added and i was now to pay $ XXXX next month comes XXXX was now {$310.00} i will end up paying XXXX every 2 weeks after 3 months of having the car causing me to pay XXXX total month some weeks i paid 3 times due to 31 days in a month. this company applied all of my carnote payments to XXXX payments. the finance charge has been completely paid off while i was driving car the surety bond was cancelled. which breach the contract ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX after 4 months of having the vehicle i was already overpaying then what was in the contract. this company gives you the option to do auto pay of pay through XXXX XXXX  my usual payment was through XXXX XXXX  which made payments process a day later and sometimes the company ccm finance was having issues receiving payments which caused them to process my payments late then due date when it was processed the same day. the company came to reposes my car after car payment was made and the repo company verified payment and drop car from towing but in that process car got damage leaving me responsible for damages my car down payment was not applied to my car loan which was XXXX surety bond was cancelled illegal repo car was sold and sentimental items were in car nor was i told where it was sold i always tried to arbbritrate/ the rcredit reporting agencies dont match what is on contract.
Product: Credit reporting or other personal consumer reports

I sent out a certified dispute letter so Equifax can look into those negative and erroneous accounts in my credit report but it's been over 30 days and I haven't gotten any response yet. 

I'll attached proof of letter and delivery receipt
Product: Debt collection

Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Request for Debt Validation Dear [ Credit Bureau Name ], I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file.

The details of the debt in question are as follows : Creditor Name : [ Creditors Name ] Account Number : [ Account Number ] Amount : [ Amount ] In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt.

o The name, address, and contact information of the original creditor.

2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added.

o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied.

3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations.

5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome.

For your reference, I have enclosed a copy of my credit report with the entry in question highlighted. Please confirm receipt of this letter and provide a written response within 30 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an old case regarding XXXX XXXX. That case wasXXXX. 


It was deleted on another credit bureau when they spoke to XXXX XXXX. 

This is part of what XXXX  explained when XXXX removed the remark : Company 's Response ...

... In your complaint, you indicate that there is an account listed on the credit report that isnt yours. You are requesting the account to be deleted. At your request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. The data furnisher has deleted the account from the credit report. ...
In the event TransUnion does not recognize me ( File Number  XXXX as of XX/XX/2020 ) and does not remove this information this will be resolved in court if necessary.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Target Credit Reporting ( Servicer to TD Bank XXXX, XXXX. XXXX in writing by certified mail to ask for validation for a Target Store Credit Card that I do not recognize as mine. As allowed under FCRA, I requested a copy of any written agreement bearing my signature. They replied and did not provide any copy of my signature as required by FCRA. They have continued to report this account to my credit and they have violated my FCRA Section 623 by not updating the account to " disputed '' status on all 3 credit bureaus. The resulting violation and inaccurate reporting has caused me financial injury as I am being denied for a home loan due to XXXX XXXX XXXX refusing to validate this account as they are required by FCRA Section 609.
Product: Credit reporting or other personal consumer reports

Data is being reported on my credit report without being certified that it belongs to me. This is creating opportunities for identity theft and an infringement of my privacy.