23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ROCKET MTG XX/XX/21 I PAID ABOUT {$97000.00} IN ADVANCE PRINCIPAL. THIS ELIMINATES THE PMI. BUT IT WAS'NT ELIMINATED. I AM 100 % MILITARY XXXX, SO I DO NOT OWE ANY ( A N Y ) TAXES. BUT ROCKET ESCROWS TAXES. THESE TWO ESCROWS ADD UP TO OVER {$2400.00} IN DEDUCTIONS PER YEAR. BOTH ARE INCORRECT CHARGES TO ME. THS IS SOMETHING THAT SHOULD BE LOGISTICALLY SIMPLE TO CORRECT. BUT -- -BUT -- -BUT!!!! I HAVE NOT BEEN ABLE TO SPEAK WITH SOMEONE ABOUT THIS. AND, EACH TIME I CALL, I GET ANOTHER PERSON. I WOULD APPREICIATE SOMEONE TO CONTACT ME AT XXXX XXXX XXXX MY CELL. AFTER XXXX ANY DAY OF THE WEEK. IF I AM UNABLE TO ANSWER AT THAT TIME ( I AM BEING CARED FOR MEDICALLY ALMOST DAILY ) PLEASE -- -PLEASE LEAVE A MESSAGE WITH A CONTACT PERSON 'S NAME AND A RETURN PHONE NUMBER, TO DISCUSS THIS SIMPLE SITUATION. YOU HAVE THE OPPORTUNITY TO EASILY RESOLVE THIS SITUATION AND CHANGE MY CUSTOMER COMPLAINT TO A CUSTOMER RESOLUTION THAT WILL REFLECT POSITIVELY ON THE PERSON WHO FOLLOWS UP ON THIS PROBLEM AND CHANGES THIS COMPLAINT INTO A RESOLUTION THAT SHOWS PROFESSIONALISM AND CUSTOMER SATISFACTION ON ROCKET 'S PART. I WILL AWAIT A CALL. GET SERIOUS!! THIS IS SIMPLE TO RESOLVE - RESOLVE IT. XXXX XXXX XXXX XXXX XXXX ... ... ... ... ....
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I filed a complaint against venmo and thy unfroze my account=XXXX XXXXXXXX at XXXX XXXX at XXXX i attempted to transfer my money and my account was immediately froze, I contacted venmo and they put in a ticket for support, at XXXX XXXX i received an email that my account was unfrozen, AGAIN I attempted to transfer my money and was FROZEN IMMEDIATELY, I just want to take my money off.
Product: Credit card or prepaid card

Chase bank either miss read or received in accurate credit information when choosing to close the credit card, I checked XXXX and it shows my XXXX credit card issues by XXXX XXXX XXXXXXXX as closed with a balance ; however, it has been paid off in full and closed by me. I used the wrong checking account to make a payment and I admit I messed up but they just closed the account despite me making the payments. 

They made no attempt to contact me when the investigated the last CFPB complaint. 

I now have income to pay credit cards off no as well, they don't care.
Product: Mortgage

I want to report Wells Fargo Mortgage/ASC for foreclosure fraud, modification abuse and dual tracking violations. I was just informed on XXXX, by the automated system that I had a XXXX XXXX, 2016 sale date. I NEVER received a NOD stating that I had 90 days to cure the default which is required by the state of California. An NOD was never recorded in XXXX public records. Theses are all foreclosure violations and illegal foreclosure practices. I called Wells Fargo last week regarding my loan and there was no sale date on my property. I called Monday XXXX and there was a XXXX XXXX, 2016 sale date. I spoke to several real estate and legal law professionals and they informed me that Wells Fargo had not properly followed the California bill of rights. Wells Fargo had not followed the California foreclosure laws. On XXXX/XXXX/2016 I received a mortgage statement that clearly read this " As of the date of this statement, Wells Fargo has not made the first notice or filing required by applicable law for the forclosure process ''. But now they are telling me as early as XXXX XXXX 2016 they foreclosing on my property. That is totally illegal by Wells Fargo mortgage and I want to file a massive law suit against Wells Fargo for a slew of violations, unfair business practices and abuse. I have been transparent, communicative and forth right with Wells Fargo. My wife and I have the means to pay and we also suffered a compelling hardship to justify why this loan got behind in the first place. I would like CFPB to please intervene and stop the illegal foreclosure process and sale by Wells Fargo on XXXX XXXX 2016. I want assistance to cure my delinquent mortgage by a loan modification or repayment plan. I will speak to my advisors tomorrow. This is a time sensitive situation, thanks for your immediate attention to this serious family matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

To Whom It XXXX Concern : The reason I am filing this complaint with your agency is due to the United Collection Bureau for alleged violations of the Federal Telephone Consumer Protection Act. United Collection Bureau negligently, knowingly, and/or willfully placed multiple calls per week to my personal cell phone for the wrong person. I do not have any business relationship with this company, for them to continue to harass each day and not leave any message just hang-up, spoofing the number. 

Furthermore, I greatly appreciate it very much if someone from the Consumer Financial Protection Agency could lodge an investigation into the violations stated in my complaint against United Collection Bureau. 

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

ALLIANT CREDIT UNION {$14000.00} Closed Account number XXXX Account status Closed Date opened XX/XX/2014 XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I used my XXXX XXXX debit card as a credit card over the weekend. There were several small charges made that equaled to approximately {$35.00}. The charges went through at the establishments. My bank, Bank of America allowed these charges to go through. I transferred money in and out of the account over the weekend online. In between the transfers, Bank of America charged my account ( 3 ) Three overdraft fees for {$35.00} each for a total of {$100.00}. Money was available to cover but the overdraft charges were a domino affect that caused the second and third to happen. All of these charges were not available until Tuesday from the weekend. There were enough funds to cover the charges. I have called the bank and they refuse to refund these charges. If there were not enough funds in the account, the bank should have decline the card charges. Banks should decline charges instead of charging overdraft fees. Bank of America should have continuous processes over the weekend instead of conducting business like it was 1990. Money can be made available over the weekend just like it can be during the week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX THIS IS A FRADULENT INQUIRY PLEASE REMOVE XXXX XXXX XXXX XXXX THIS IS FRADULENT INQUIRY PLEASE REMOVE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Continental Finance Corporate Office/XXXX XXXX XXXX XXXX, XXXX XXXX, MO I made my timely regular payments and established stable payment history, without delays. Last year, I have been affected by COVID-19, pandemic. During that period of time I notified as a credit cardholder of my financial hardship and unemployment.and requested the bank a forbearance and flexibility for the repayment. However, all my requests remained ignored and the bank avoided response. They never responded to my letters and inquiries, rotated in an endless runaround. This deception, fraud and unfair practices adversely affected my credit card account and imacted my credit score, resulting in a delinquent status and being charged off. My credit card # is:XXXX XXXX XXXX XXXX with the Continental Finance. Please assist me to overcome this consumer fraud as a victim since this bank is not willing to respond to my letters and repeatedly refused to address my concerns or resolve my account related negative reporting problem. I will also contact the Treasury Department and Attorney General in addition to my speech on XXXX and through the social media. I am an innocent victim of circumstances and consumer fraud.
Product: Debt collection

this is not my debt if you believe it is please provide a copy of a signed written contract. i have no knowledge of this debt. also consider this as a cease and desist and also i need you to remove yourself from all 3 of my credit bureaus immediately and delete all my personal information now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

Dispute Department : EXPERIAN LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA. 
If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account. 
The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Additionally, I would like to point out that XXXX has correctly deleted the XXXX XXXX XXXX XXXX account from my credit report following my request for verification and removal of unverified information. This further underscores your ongoing and negligent failure to remove the same account from my file, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681s-2 ( b ), credit reporting agencies and data furnishers are required to correct or delete inaccurate or unverifiable information, as XXXX has done. I expect you to take the necessary corrective actions immediately to avoid further legal action.
Product: Checking or savings account

On XXXX XXXX, I attempted to purchase a XXXX e-gift card through XXXX. My purchase was declined due to card information error, I was prompted to correct the information and retry the purchase. I did as prompted, and was declined again, for the same error. I was using a virtual card, issued by Current bank ; reason being my physical card was cancelled without my knowledge or consent, a week prior to this incident. Apologetically, I seem to have numerous issues with Current bank, or the current account through XXXX XXXX XXXX. I checked my account on XX/XX/XXXX, to find four pending transactions to XXXX, each in the amount of XXXX, with a negative balance. Upon speaking with a XXXX representative, I was assured that this was a temporary hold, or " ghost charge '' and would resolve in 3 to 5 business days, as there was no purchase made. I immediately contacted current through chat, in the app. I was repeatedly told that they have no way to clear pending transactions, it was up to XXXX to drop the hold. At this point, I began my research and found this avenue. I contacted the bank three more times, each time asking to have my issue escalated to management, and was told every time that it would be useless to speak with management, and given an opinion on how management would handle my issue. I subsequently e-mailed customer support twice before getting a response that a compliance team was reviewing the issue. It's been longer than five days, all other pending transactions have cleared, however these four are still pending. With no further response on the e-mail, and the same in app chat run around.
Product: Credit card or prepaid card

I have never paid this card late in fact I have always paid it early I had no issues with my other payments coming out of my account on this particular date but they tried to draft a twice and canceled my payment then said I owe Late fee I asked them to waive the late fee they sent me an email saying that they couldnt I do not owe them a late fee I see on the account where the payment tried to be processed twice I can show proof I have the funds readily available in my bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the Equifax data breach and may have got in the the hands of the wrong person.
Product: Mortgage

XXXX Hurricane Irma hit my house in the Florida XXXX XXXX  claim check was deposits Ocwen mortgage company/debt collectors. Not sure which it is Ocwen received funds in XX/XX/XXXX Ask for inspection no inspector since XX/XX/XXXX to date XX/XX/XXXX. 3 months Ocwen doesnt know why?? No inspection Ocwen loan services Loss draft XXXX XXXX  XXXX XXXX, Ohio XXXX XXXX Called lost draft department 24 times Resultion department Inspection dispatch Inspection company. XXXX XXXX. XXXX florida No answer to questions Also. They refused to connect me to the US when asked 10 times
Product: Credit reporting or other personal consumer reports

I had a auto loan with XXXX  XXXX XXXX. I traded the vehicle in and i am showing a XXXX write off on my credit report. This information is incorrect. As the dealership requested the full payoff of the existing loan.
Product: Credit reporting or other personal consumer reports

I have reached out to all 3 credit bureaus for the last few years in regard to inaccurate information. I have gotten letters back in the mail stating that my request does not seem to be coming from me. I have taken it a step further this time including my ID and mail to confirm that it is in fact me. I have a lot of hard inquires that were not authorized by me. I also have found a derogatory mark on my public record on all of my reports each with different information. As well as incorrect addresses, phone number, employer, etc. that I asked to be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account ( XXXX XXXX XXXX ) opened on XX/XX/XXXX. Fraudulent auto loan opened on XXXX ( XXXX XXXX ). XXXX account was opened on XX/XX/XXXX which resulted in fraud on my consumer credit report. 
XXXX XXXX XXXX reported on XX/XX/XXXX late payment on my consumer report which was not accurate. XXXX XXXX XXXX reported XX/XX/XXXX collection account on my consumer report which was fraud. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I don't recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX account # XXXX
Product: Credit card

I tried to dispute a charge, was told that I have to do it online. Online is XXXX. Its a clear conspiracy by Bank of America to violate consumer law, but refusing disputes. 

Credit for {$10.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX -BALANCE {$23000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX